JPH08115362A - Insured article evaluating method - Google Patents

Abstract

PURPOSE: To evaluate data hierarchically and visually by selecting data on an estimated rate of interest, an estimated death rate, and an expected business- expense rate to be evaluated on a screen of a three-dimensional graph, and displaying the evaluation results on the graph. CONSTITUTION: The system consists of a server terminal 201 where business statistical data are stored and a client terminal 202 on which an insurance charge design support system operates. When a three-dimensional graph display is selected, the system generates three-dimensional data according to restriction expressions of the estimated interest rate, estimated death rate, and estimated business expense rate on the basis of set parameters and stores the data in a restriction value file to display the three-dimensional graph. When a pointing device 213 is used on the three-dimensional graph, the system computes data on the three-dimensional graph and stores the results in an input data part. On the three-dimensional graph, several corresponding points are specified by using the device 213. The system displays an evaluation menu and evaluates the corresponding points to obtain evaluation data, thereby generating an evaluation graph.

Description

Detailed Description of the Invention

[0001]

[Industrial application] The present invention relates to a method for evaluating three-dimensional data such as an expected interest rate, an expected mortality rate, an estimated project cost rate, etc. by a three-dimensional graphic interface in designing an insurance product.

[0002]

2. Description of the Related Art As a conventional technique, there is Hitachi's funded insurance balance forecasting system that simulates the funded balance of funded insurance as a method for designing and managing insurance products.

In the reserve insurance income and expenditure forecasting system, insurance premiums, maturity claims, reserve funds, etc. are simulated.

The funded insurance balance forecast system comprises a contract database for insurance products, a function for setting forecast conditions for insurance products, and a function for simulating the balance of funded insurance. Therefore, it is possible to evaluate the contract data of the current insurance contract for each insurance type by predicting the future income and expenditure based on the contract data of the already sold insurance products.

[0005]

[Problems to be Solved by the Invention] With the above-mentioned prior art funded insurance income / expense forecasting system, it is possible to predict the income / expenses such as funded insurance premiums, maturity insurance money, and cancellation refund based on the funded insurance contract data. We were unable to obtain an index to determine what the interest rate, the planned mortality rate, and the planned project cost rate should be.

[0006] In designing an insurance product, it is necessary to determine a planned interest rate, a planned mortality rate, and a planned business cost rate as the calculation basis rate. Here, the planned interest rate is the interest rate that serves as the basis for the reserve fund, the planned mortality rate is the mortality rate that serves as the basis for payment of death insurance money, and the planned project cost rate is the rate that serves as the basis for payment of the project cost.

[0007] Further, depending on how much the planned interest rate, the planned mortality rate, and the planned business cost rate are set, the expected profit rate such as profit / loss, mortality / expense, and cost difference generated from the insurance product is influenced. It is necessary to put various conditions on the planned interest rate, the planned mortality rate, and the planned project cost rate.

For this reason, when determining the calculation base rate (planned interest rate, planned mortality rate, planned business cost rate), it is necessary to consider the mutual relationships and to determine the user's needs. Yes, a support function is required to design the planned interest rate, planned mortality rate, and planned project cost rate.

In the present invention, in designing the insurance premium, in order to determine the planned interest rate, the planned mortality rate, and the planned operating cost rate, the constraint conditions are set on the three-dimensional graph around the planned interest rate, the planned mortality rate, and the planned operating cost rate. Is displayed and data is input to the three-dimensional graph,
By providing a function to display the evaluation information of the corresponding data in a graph, the insurance premium design is supported.

[0010]

The above object of the present invention is to provide a system comprising a server terminal for storing business statistical data and a client terminal having an insurance premium design support function. Scheduled interest rate, planned mortality rate, planned project cost rate) constraint condition setting unit, constraint data unit that stores the configured constraint conditions, 3D graph display control unit that controls display and input of 3D graph, constraint data Data in the three-dimensional graph, the input data generation unit for inputting the data from the three-dimensional graph, the input data unit for storing the input data, the data is specified from the three-dimensional graph. , An evaluation data generation unit for evaluation, an evaluation program unit for evaluating specified data using data in a database of a server terminal, Evaluation graph display section for displaying data, evaluation data section for storing evaluation data, the provided in the server terminal, a database for storing historical data calculation assumptions, by providing,
To achieve.

[0011]

In the present invention, in a system comprising a server terminal for storing business statistics data and a client terminal on which an insurance premium design support system operates, first, the system displays a setting screen for constraint values, and the user , Set a constraint value for the parameter of the insurance product on the setting screen of the parameter (planned interest rate, planned mortality rate, planned operating cost rate) of the insurance product.

When the user selects the three-dimensional graph display, the system generates three-dimensional data based on the set parameters according to the constraint formulas of the planned interest rate, the planned mortality rate, and the planned project cost rate. , Store it in the constraint value file,
Display a three-dimensional graph.

The user uses the pointing device to pick in the three-dimensional graph displaying the constraint conditions, whereby the system calculates the data on the three-dimensional graph and stores it in the input data section.

The user specifies some corresponding points by picking with a pointing device in the three-dimensional graph displaying the constraint conditions.
In the system, the evaluation menu is displayed, the evaluation is performed on the corresponding point, the evaluation data is acquired, and the evaluation graph is generated.

The user further specifies some relevant points by picking with a pointing device on the relevant evaluation graph. In the system, the evaluation menu is displayed, the evaluation data about the corresponding point is acquired, and the evaluation graph is generated.

Further, if the evaluation is to be continued, the above-mentioned evaluation processing is repeatedly carried out. If not, end.

As a result, the constraint conditions in the insurance product design are displayed in a three-dimensional graph on the three-dimensional graph with the planned interest rate, the planned mortality rate, and the planned project cost rate as the axes, and the planned interest rate is correspondingly displayed. , Planned mortality rate, planned project cost rate can be entered on the three-dimensional graph, and the entered values are
It is possible to evaluate hierarchically.

[0018]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a flow chart showing the overall processing procedure of this embodiment.

First, in step 101, the system displays a setting screen of constraint values, and the user sets the insurance product parameters (planned interest rate, planned mortality rate, planned business cost ratio) on the setting screen of the insurance product. Set the constraint value of the parameter of.

In step 102, when the user selects the three-dimensional graph display, the system determines the three-dimensional graph according to the constraint formulas of the planned interest rate, the planned mortality rate, and the planned project cost rate based on the set parameters. Data is generated, stored in the constraint data section, and displayed in a three-dimensional graph.

In step 103, the user calculates the data on the three-dimensional graph in the system by picking with a mouse on the three-dimensional graph displaying the constraint conditions and stores it in the input data section. And display it in a three-dimensional graph.

In step 104, the user specifies some corresponding points by picking with a mouse in the three-dimensional graph displaying the input points. In the system, the evaluation menu is displayed, the evaluation is performed on the corresponding point, the evaluation data is acquired, and the evaluation graph is generated.

In step 105, the user further
On the relevant evaluation graph, several relevant points are specified by picking with the mouse. The system displays the evaluation menu, executes the next evaluation, acquires the evaluation data on the corresponding point, and generates the evaluation graph.

In step 106, if the evaluation of the same data is continued, the process returns to step 105, the evaluation graph is erased for another data, and the process returns to step 104. ,finish.

FIG. 2 is a block diagram of a system showing an embodiment of the present invention. The present invention comprises a system in which a plurality of computers are connected by a local area network (LAN), and in this embodiment, a server terminal in which a database is stored and a client terminal in which an insurance premium design support system operates. .

In the figure, 201 is a server terminal, 20
2 is a client terminal. Reference numerals 203 and 209 denote central processing units that execute various programs, and 204 and 210.
Is a storage device for storing various programs and data, 20
5, 211 are input / output interface units for controlling communication with other computers, 206, 212 are input devices for inputting data from users, 207, 213 are pointing devices, and 208, 214 are processing results. Is a display device for displaying. A local area network (LA) 215 connects the server terminal and the client terminal.
N).

FIG. 3 is a functional block diagram for realizing an embodiment of the present invention. The client terminal has a function for supporting insurance product design.

In the figure, 301 is a client terminal and 302 is a server terminal.

Reference numeral 303 is a setting unit for the constraint condition of the calculation base rate (planned interest rate, planned mortality rate, planned project cost rate), and 304 is
A constraint data section for storing the set constraint conditions, 305
Is a three-dimensional graph display control unit for controlling display and input of a three-dimensional graph, 306 is a constraint data generation unit for displaying constraint data on the three-dimensional graph, and 307 is input data from the three-dimensional graph. Input data generator for 3
08 is an input data section for storing the input data, and 3
Reference numeral 09 is an evaluation data generation unit for evaluating specified data from the three-dimensional graph, and 310 is the specified data using the data in the database of the server terminal.
An evaluation program unit for evaluation, 311 is an evaluation graph display unit for displaying evaluation data, 312 is an evaluation data unit for storing evaluated data, and 313 is a database for storing historical data of the calculation basis rate in the server terminal. Is.

FIG. 4 is a processing flow for setting the constraint values of the parameters (planned interest rate, planned mortality rate, planned business cost rate) of the insurance product, which is a prerequisite for product design, and displaying a three-dimensional graph.

In step 401, the user picks the "constraint" menu to set the constraint conditions.
The system displays the constraint value setting screen of FIG. The user inputs the constraint value of the parameter of the insurance product.

In step 402, a constraint expression is generated based on the constraint conditions of the input parameters. The constraint expression is
It is stored in the constraint data section of FIG.

In step 403, when the user picks "3D graph", three-dimensional data of the constraint value is generated from the constraint equation of the constraint data section and displayed in the three-dimensional graph display area of FIG. Visually set the constraint conditions
indicate.

FIG. 5 is a screen for setting the constraint values of the insurance product parameters. On this screen, the parameter constraint value and the upper and lower limit values are set.

In the figure, 501 is the value of a table insurance premium,
502 is the value of death insurance money, and 503 is the value of maturity insurance money. Further, 504 is the lower limit of the planned interest rate, 505 is the upper limit of the planned interest rate, 506 is the lower limit of the planned mortality rate, and 507.
Is the upper limit of the planned mortality rate, 508 is the lower limit of the planned project cost rate, and 509 is the upper limit of the planned project cost rate. Also, 51
0 to 512 are operation menus, 510 “constraint” sets constraint values, and “511 3D graph” sets constraint values.
Indicates a three-dimensional graph, and 512 “end” is a menu for ending.

FIG. 6 shows a screen for displaying the constraint values of the insurance product parameters in the three-dimensional graph display area. In the figure, reference numeral 601 denotes a three-dimensional graph display area, in which the x-axis of the three-dimensional graph is the planned interest rate, the y-axis is the planned mortality rate, and the z-axis is the planned project cost rate. Reference numeral 602 is data of constraint values. Reference numerals 603 to 605 denote operation menus.
"3D input" is to input data to a three-dimensional graph,
"3D evaluation" 604 is for evaluating the data of the three-dimensional graph, and "End" 605 is a menu for ending the 3D graph display.

FIG. 7 is a block diagram of the constraint data section. The information on the constraint set on the constraint value setting screen is stored in the constraint value file. In the figure, 701 is the number of constraint expressions, 7
02 is a constraint expression, 703 is the lower limit of the x axis, 704 is the upper limit of the x axis, 705 is the lower limit of the y axis, 706 is the upper limit of the y axis, 707 is the lower limit of the z axis, and 708 is the lower limit of the z axis. Upper limit, 7
09 is the x-axis step width, 710 is the y-axis step width, 71
1 is x-axis data, 712 is y-axis data, and 713 is z-axis data.

FIG. 8 is a processing flow for inputting data to a three-dimensional graph.

First, in step 801, the user
Pick "3D graph", and in the 3D graph display area,
Display a three-dimensional graph of constraints.

At step 802, the user selects the "3D input" menu. In the three-dimensional graph display area, move the cursor to the coordinates you want to input with the mouse and pick.

In step 803, the system reads the coordinates on the screen picked with the mouse, the x coordinate, and the y coordinate.

At step 804, the read x coordinate,
A system of three variables and three equations is generated from the y coordinate and the constraint condition, a solution is obtained, and the solution is converted into the x coordinate, y coordinate, and z coordinate of the three-dimensional graph.

In step 805, if a solution is obtained, the process proceeds to step 806, and if not, the process returns to step 802.

In step 806, the coordinates of the three-dimensional data and the coordinates on the screen of the input data are shown in FIG.
It is stored in the input data part of. The input data is shown in Fig. 9.
It is displayed in the three-dimensional graph of.

In step 807, if further input processing is desired, the process returns to step 802. If not, end.

FIG. 9 shows a screen for executing input to the three-dimensional graph. Move the cursor to the position to input on the three-dimensional graph and pick the mouse.

In the figure, 901 is a three-dimensional graph display area, 902 is constraint value data, 903 is an input point, and 904 is a cursor for determining the position of the input point.

FIG. 10 is a data structure diagram of the input data section. The coordinates on the three-dimensional axis of the data input from the three-dimensional graph and the coordinates on the display screen are stored.

In the figure, 1001 is a data ID, 1
002 to 1004 are x-axis data, y-axis data, z-axis data and 1005 to 1006 in a three-dimensional graph.
These are the x-axis coordinates and the y-axis coordinates on the display screen.

FIG. 11 is a flow for performing the evaluation process on the data of the three-dimensional graph designated by the user.

At step 1101, the user selects "3D
Select the "Evaluation" menu.

In the three-dimensional graph area on the screen, the position of the data to be evaluated is picked with the mouse.

In step 1102, the system determines the coordinates of the picked screen and the x and y coordinates of each data in the input data section, and if there is a match, selects the data. If not, the process returns to step 1101.

In step 1103, in the system, as means for evaluating the data selected in step 1102, for example, (1) “Rσ evaluation” for evaluating return (R) and risk (σ), (2) pure insurance The "pvs evaluation" that evaluates the amount of charge (p), the reserve (v), and the insurance money (s) is used as a menu, and the "delete" menu for deleting the data is displayed as shown in FIG. . The user selects from the menu which evaluation is to be performed. If it is deletion, the data is deleted from the input data section.

At step 1104, the evaluation process selected by the user is executed based on the relevant data. "Rσ
When "evaluation" is performed, the data in the database of the server terminal in FIG. 18 is acquired, and the average value E, the standard deviation σ, and the correlation coefficient ρ between the calculation basis rates are obtained from the past calculation basis rates.
And R and σ are calculated. Figure 14 shows the evaluation results.
The evaluation graph of FIG. 13 is displayed.

In step 1105, if evaluation is to be continued, the input point to be evaluated is picked with the mouse in any of the graph display areas. If not, the process ends.

In step 1106, the system judges the coordinates of the picked screen and the x-coordinate and y-coordinate of each data in the evaluation data section, and if there is a match, the data is selected. Otherwise, return to step 1105.

In step 1107, the system is shown in FIG.
As shown in, the menu for evaluation is displayed. The user selects the menu to be evaluated.

In step 1108, the system executes the selected evaluation program for the relevant data. The evaluation result is stored in the evaluation data section of FIG. 17 and displayed in the evaluation graph of FIG.
Return to

FIG. 12 is a screen for displaying the evaluation menu by designating the data to be evaluated on the three-dimensional graph. In the figure, 1201 is a three-dimensional graph display area, 1202
Is a diagram of constraint conditions, 1203 is an input point (data ID: 01 to 04), 1204 is a cursor for designating data to be evaluated, and 1205 is an evaluation menu.

FIG. 13 is a screen for displaying a graph of evaluation results. The evaluation program process is executed on the corresponding data, and the result is displayed in a graph. In the figure, 13
01 is a three-dimensional graph display area, 1302 is an evaluation graph area, 1303 is an evaluation result point (data ID: 0
1, 03), 1304 "Evaluation" is an operation menu, and is a menu for performing the next evaluation for the evaluation points of the graph.

FIG. 14 is a data structure diagram of the evaluation data section. The evaluation result data has coordinates on the graph and coordinates on the screen. In the figure, 1401 is data I
D, 1403, and 1404 are x in the two-dimensional graph.
Axis data, y-axis data, 1405 and 1406 are x-axis coordinates and y-axis coordinates on the display screen.

FIG. 15 is a screen displaying a menu for performing the next evaluation. In the figure, 1501 is
Three-dimensional graph display area, 1502 is an evaluation result graph display area, 1503 is an evaluation point, 1504 is a cursor for designating data for the next evaluation, 1505
Is the menu for the next evaluation.

FIG. 16 shows the results of the following evaluations.
This is the screen when it is displayed on a graph. In the figure, 160
Reference numeral 1 is a three-dimensional graph display area, 1602 is an evaluation result graph display area, 1603 is an evaluation result graph display area, and 1604 is an evaluation point.

FIG. 17 shows the data structure of the evaluation data section. The input data and each evaluation result data are associated with each other by the data ID.

In the figure, 1701 is a data ID, 1
702 to 1704 are x-axis data, y-axis data, z-axis data in the three-dimensional graph, and 1705 and 1706 are
These are the x-axis coordinates and the y-axis coordinates on the display screen.

FIG. 18 shows the data structure of the database that stores the historical data of the calculation base rate. In the figure, 1801 is the year and month, 1802 is the operation yield, and 1
803 is the mortality rate and 1804 is the data of the project cost rate.

[0069]

According to the present invention, the expected interest rate, the expected mortality rate, and the expected project cost rate, which are the basis of insurance product design, are the axes.
By specifying the data set on the three-dimensional graph, performing the evaluation calculation of the data, and displaying it on the evaluation screen, it becomes possible to evaluate the data hierarchically and visually.

By displaying the constraint conditions concerning the planned interest rate, the planned mortality rate, and the planned project cost rate on the three-dimensional graph, the planned interest rate, the planned mortality rate, and the planned project cost rate can be easily satisfied. You can figure it out.

Further, by the means for converting the two-dimensional coordinates on the screen into the coordinates of the three-dimensional graph, it becomes possible to input data into the three-dimensional graph by mouse picking, and it is easy to set the three-dimensional data desired by the user. become.

[Brief description of drawings]

FIG. 1 is a flowchart showing the overall processing procedure of this embodiment.

FIG. 2 is a configuration diagram of a system showing an embodiment of the present invention.

FIG. 3 is a functional configuration diagram for realizing an embodiment of the present invention.

FIG. 4 is a processing flow of displaying a constraint condition of a calculation base rate on a three-dimensional graph.

FIG. 5 is a screen for setting constraint conditions for insurance product parameters.

FIG. 6 is a screen for displaying constraint conditions of insurance product parameters in a three-dimensional graph.

FIG. 7 is a configuration diagram of a constraint data section.

FIG. 8 is a processing flow for inputting data to a three-dimensional graph.

FIG. 9 is a screen for executing input to a three-dimensional graph.

FIG. 10 is a data configuration diagram of an input data section.

FIG. 11 is a flow of performing evaluation processing on data of a three-dimensional graph.

FIG. 12 is a screen for specifying data to be evaluated on a three-dimensional graph.

FIG. 13 is a screen displaying a graph of evaluation results.

FIG. 14 is a data configuration diagram of an evaluation data section.

FIG. 15 is a screen displaying a menu for performing the next evaluation.

FIG. 16 is a screen when the results of the following evaluations are displayed on a graph.

FIG. 17 is a data structure of an evaluation data part according to the next evaluation.

FIG. 18 is a data structure of a database that stores data of calculation base rate.

[Explanation of symbols]

201 ... Server terminal, 202 ... Client terminal, 214 ... Local area network.

Claims (4)

[Claims] 1. A server terminal that stores business statistical data such as an operation yield, a mortality rate, and a business cost rate, and a client terminal that executes processing for determining a planned interest rate, a planned mortality rate, and a planned business cost rate in insurance premium design. In the insurance premium design support system that consists of, first, the expected interest rate, the expected mortality rate,
A means for setting a constraint on the planned operating cost rate and displaying it on a three-dimensional graph centered around the planned interest rate, planned mortality rate, and planned operating cost ratio, and picking up the screen of the three-dimensional graph with a pointing device. By using the pointing device to select the expected interest rate, the expected mortality rate, and the planned project cost rate data and the 3D graph screen with the pointing device, the desired interest rate, the expected mortality rate, the expected rate By selecting the data of the project cost rate and displaying the result of the evaluation on the graph, the user can visually evaluate the planned interest rate, the planned mortality rate, and the planned project cost ratio displayed on the three-dimensional graph. An insurance product evaluation method characterized by: 2. The insurance premium design support system according to claim 1, wherein a constraint expression is set from a constraint condition set in a three-dimensional graph having three indices such as a planned interest rate, a planned mortality rate and a planned project cost rate as axes. Is generated and the three-dimensional data generated from the constraint expression is displayed on a three-dimensional graph, and the constraint condition is visually displayed on the three-dimensional graph. 3. The insurance premium design support system according to claim 1, wherein a constraint condition is displayed in a three-dimensional graph centered on three indices such as an expected interest rate, an expected mortality rate, an estimated project cost rate, etc. By using a pointing device to pick, the three-dimensional coordinates are calculated from the coordinates on the screen and the displayed constraints, and the means for displaying the three-dimensional graph displays the three-dimensional data on the three-dimensional graph. An insurance product evaluation method characterized by inputting. 4. The insurance premium design support system according to claim 1, wherein one or more points are selected in a three-dimensional graph having three indices such as an expected interest rate, an expected mortality rate and an estimated project cost rate. By performing the evaluation at the corresponding point, means for displaying in the evaluation graph, further, by selecting one or more points from the evaluation graph, execute another evaluation, by means of displaying in the evaluation graph, An insurance product evaluation method characterized in that evaluation is performed hierarchically on three-dimensional data of a three-dimensional graph.