JPH0454666A - Insurance premium calculating device - Google Patents

Abstract

PURPOSE:To quickly calculate and notify the insurance premium by calling the data required for calculating the insurance premium from an insurance information storage part by inputting a telephone signal, and also, sending it into an arithmetic part, and outputting a sound signal for showing a result of operation. CONSTITUTION:When a telephone signal whose telephone call charge is paid by a receiver is inputted to an insurance premium calculating device 1, a signal for instructing an input of an identification number is outputted as an external response signal from a control part 11, and outputted to a telephone circuit 21 through an interface part 10. In the case it is decided that the identification number is inputted, the control part 11 calls data required for calculating an insurance premium from in data stored in an insurance information storage part 12, and also, sends it into an arithmetic part 13. Also, reduced question matter required for calculating a final insurance premium is outputted successively as an external response signal to a sound signal output part 14, and transferred by an interactive format to a customer through the telephone circuit 21.

Description

[Detailed Description of the Invention] (Industrial Application Field) This invention provides insurance premiums for insurance menus desired by customers.
The present invention relates to an insurance premium calculation device suitable for easily and quickly calculating and presenting insurance premiums.

(Conventional technology) Traditionally, in insurance business, it has been necessary to quickly calculate and respond to the customer's desired insurance premium from among a wide variety of insurance menus, but this insurance menu has already been developed. In addition to the existing insurance policies, a wide variety of insurance policies are being developed one after another in response to new needs, and their insurance premium rates are frequently revised.

Moreover, when calculating the insurance premium, even if the insurance menu is the same, the conditions that the infiltrator would like (e.g. age, presence of accidents) and desired conditions (e.g. insurance amount, family restriction) Since the calculation results differ depending on factors such as the above, very complicated calculation work is required.

In other words, when calculating insurance premiums such as comprehensive personal automobile insurance (SAP), which is a type of automobile insurance, 1. Basic contract 1, which includes personal liability insurance, property liability insurance, passenger accident insurance, etc. This is required in addition to insurance premiums such as basic vehicle insurance contract 2 and 3, moped guarantee special contract (Family Bites special contract), etc., whether or not compensation is provided even if Bites are used.

For vehicle insurance, all cars are classified into classes 1 to 6 by model, and insurance premium rates are set for each class, so when calculating insurance premiums,
In addition, the insurance applicant must also understand which rate class the car belongs to.

(Problem to be solved by the invention) However, insurance agents and their staff who are on the receiving side have to perform the above-mentioned complex calculation work when a customer visits the store or when the staff visits the customer. must be carried out quickly and accurately, and the answers must be promptly presented to the customer.

For this reason, the present applicant has previously proposed a 1-san notebook that simplifies the calculation of automobile insurance premiums in Utility Model Application Publication No. 2-10068, but this calculation notebook does not include the addition of new insurance menus or insurance premium rates. When revisions were made, the supplementary work was quite difficult.

Moreover, the premiums for personal liability insurance, property liability insurance, passenger accident insurance, etc. of current automobile insurance will be changed based on new classifications from July 1st of this year, and there will be more than 50 types of insurance every month. Due to the need for information on new models of passenger cars to be released, calculating insurance premiums is expected to be more complicated than before, and the work burden on agents and staff is expected to become even greater.

This invention was made in view of the above circumstances, and its purpose is to calculate the insurance premium for the insurance menu desired by the customer more easily and quickly than before. An object of the present invention is to provide an insurance premium calculation device that can present insurance premiums.

(Means for Solving the Problems) In order to achieve the above-mentioned object, the present invention provides a voice response type computer device operated by a telephone signal for which the caller pays the call fee. There is an interface section that connects to the telephone line, a fixed information storage section that stores data such as various insurance menus and insurance premium rates such as personal liability insurance for automobile insurance, and newly added insurance. an insurance information storage unit comprising a variable information storage unit in which data such as a menu and its insurance premium rate or a new model is stored in a rewritable manner;
The system is activated by the input of a calculation unit that calculates insurance premiums based on data retrieved from the insurance information storage unit and a telephone signal transmitted via a telephone line in which the caller pays for the call. , reads the data necessary for calculating insurance premiums from the insurance information storage unit, instructs the data to be sent to the calculation unit, has a function to hold these data, and also has a narrowing-down questionnaire necessary for calculating insurance premiums. a control unit that sequentially outputs the following as an external response signal; and an audio signal output unit that outputs respective audio signals to the telephone line based on the external response signal from the control unit or the output signal indicating the calculation result of the insurance premium. It is characterized by having the following.

Further, as recited in claim 2, a facsimile command unit is connected between the control unit and the interface unit and operates based on commands from the control unit.

Furthermore, as described in claim 3, the operation start signal to the control unit is outputted by a telephone activation card inserted into the telephone and for which the callee pays the call fee.

(Function) According to the insurance premium calculation device according to the present invention, it is possible to calculate and present the insurance premium of the insurance menu that the customer desires more easily and quickly than before, free of charge to the customer. I can do it.

(Example) Hereinafter, an example of the present invention will be described in detail based on the drawings.

FIG. 1 is a block diagram showing a schematic configuration of an insurance premium calculation device according to the present invention.

As shown in the figure, this insurance premium calculation device 1 is configured as a voice response type small computer device connected to a telephone line 21 via an interface section 10.

This insurance premium calculation device 1 is connected to the ``U-book interface section 10'' and includes a control section 11, an insurance information storage section 12, which is configured of ROM, RAM, etc.
．． Arithmetic unit 13. Audio signal output section 14. It is formed from a fax command unit 15 and the like.

The insurance information storage unit 12 stores data such as various insurance menus and insurance premium rates, such as private automobile comprehensive insurance (SAI'), which is a type of automobile insurance, and such data cannot be erased. It is composed of a fixed information storage section 12a that stores the current status, and a variable information storage section 12b that stores rewritably data such as new insurance menus and their insurance premium rates that are added as appropriate.

The calculation unit 13 receives a command from the control unit 11, which will be described later.
Based on the data retrieved from the insurance information storage unit 12, calculations for calculating the insurance rat are performed.

On the other hand, the control section 11 is brought into operation when a telephone signal transmitted via the telephone line 21 in which the caller pays the call fee is input via the interface section 10 .

The control unit 11 also calls data necessary for calculating the insurance premium from among the data stored in the fixed information storage unit 12a and the variable information storage unit 12b of the insurance information storage unit 12, and performs calculations on the data. A command is given to send it to section 13.

Furthermore, the control unit 11 has a hold function for insurance menu data called up from the insurance information storage unit 12 and insurance premiums calculated by the calculation unit 13, as well as narrowing down questions necessary for calculating the final insurance premium. are sequentially outputted as external response signals to the audio signal output section 14 and communicated to the customer via the telephone line 21 in an interactive manner.

In this way, the control unit 11 calculates the final insurance premium by sequentially narrowing down the items necessary for calculating the final insurance premium.

At this time, the customer responds to the questions and the like by dialing (a combination of 0 to 9) and inputs the insurance details desired by the customer into the control unit 11 of the insurance premium calculation device 1.

Reference numeral 15 denotes a fax command unit, which is connected between the control unit 11 and the interface unit 10, and is connected to the telephone line 21 according to a command from the control unit 11.
The final result of the insurance premium and necessary data are transmitted to the customer in written form via the customer's fax 22d.

Reference numeral 30 denotes a telephone operating card for paying the call charge by the called party, and when inserted into the telephone 22a, it causes the control unit 11 to start operating the call charge by paying the call charge.

In the case of a push-button or dial-type telephone without a card insertion slot, the line is connected to the control unit 11 by dialing the telephone charge and paying the caller's fee.

Next, an example of the operation of this insurance premium calculation device 1 will be explained based on flowchart 1 shown in FIG.

When the insurance premium calculation device 1 is powered on and in the start state, it is determined in step 100 whether or not a telephone signal has been input for which the caller pays for the call.

If this signal is not input, the above determination is repeated, but if it is determined that this signal is input, the process proceeds to step 101, and the control unit 11 inputs the recitation number as an external response signal. A command signal is output,
``Please enter the recitation number'' from the audio signal output section 14.
The audio signal is output to the telephone line 21 via the interface section 10.

Next, in step 102, it is determined whether or not a recitation number has been input. If no recitation number has been input, this determination is repeated, but if it is determined that a recitation number has been input, the process proceeds to step 103. move on.

Proceeding to step 103, a series of insurance premium =1 calculation operations are performed in an interactive manner. That is, the control unit 11 calls out the data necessary for calculating the insurance premium from among the data stored in the insurance information storage unit 12, sends it to the calculation unit 13, and also processes the data and calculation of the insurance menu that has been called out. While holding the insurance premiums etc.
Further, the narrowing-down questions necessary for calculating the final insurance premium are sequentially output as external response signals to the audio signal output unit 14, and communicated to the customer via the telephone line 21 in an interactive manner.

Then, the final insurance premium is sequentially narrowed down and calculated based on the response received by the customer through a dial operation (a combination of numbers 0 to 9).

After this series of calculation processing operations are performed in step 103, the process proceeds to step 104, where it is determined whether or not the final insurance premium has been calculated. If the final insurance premium has not been calculated, the insurance premium calculation operation continues. However, if it is determined that the final insurance premium has been calculated, the process proceeds to step 105.

In step 105, it is determined whether or not a fax command has been issued. If it is determined that a fax command has not been issued, the process proceeds to step 106, in which the voice signal output unit 14 outputs the final insurance premium via the telephone line 21. The customer will be notified.

If it is determined that a fax command has been issued, the process proceeds to step 107, where the fax command unit 15 transmits the final insurance premium in written form to the customer via the telephone line 21.

As described above, according to the insurance premium calculation device 1 according to the present invention, the insurance premium for the insurance menu desired by the customer can be easily and quickly calculated in a manner in which the caller pays the call fee, and the insurance premium calculation device 1 can easily and quickly calculate the insurance premium for the insurance menu desired by the customer. It is possible to promptly notify in this format.

In addition, the final insurance premium may be determined by fax 2 depending on the customer's wishes.
Since it can be sent in 2D, the customer can receive the final insurance premium in writing, can receive the insurance premium and its contents more reliably, and can also conduct a detailed examination of the contents. .

Furthermore, if the operation start signal is input to the control unit 11 by the telephone activation card 30 inserted into the telephone 22a and the callee pays for the call, this type of device 1 can be used even more easily. and improve customer service.

Therefore, when the insurance premium calculation device according to the present invention is used, the insurance premium for the insurance menu desired by the customer can be calculated more easily and quickly than in the past, and the insurance premium can be promptly presented.

(Effects of the Invention) As explained above, according to the insurance premium calculation device according to the invention set forth in claim 1, the insurance premium of the insurance menu desired by the customer can be easily and quickly calculated in the form that the caller pays the call charge. The insurance premium for the insurance menu desired by the customer can be calculated and presented more easily and quickly than before.

Furthermore, according to the insurance premium calculation device according to the invention as claimed in claim 2, the insurance premium is presented in writing by fax according to the customer's request, so the customer can receive the final insurance premium in writing, making it more reliable. Not only can you receive and receive insurance premiums and their contents, but you can also conduct detailed examinations of the contents.

Furthermore, according to the insurance premium calculation device according to the invention set forth in claim 3, the operation start signal is inputted to the control unit by a telephone activation card inserted into the telephone and the caller pays for the call, making it even easier. This type of device can be used to improve customer service.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing a schematic configuration of an insurance premium calculation device according to the present invention, and FIG. 2 is a flowchart 1 showing an example of the operation of the insurance premium = 1 calculation device. 1... Insurance premium calculation device 11... Control section 12... Insurance information storage section 13... Arithmetic section 14... Audio signal output section 15... Fax command section

Claims (1)

[Scope of Claims] 1. A voice response type computer device operated by a telephone signal for which the caller pays, which includes an interface section connected to a telephone line, various insurance menus such as personal liability compensation for automobile insurance, etc. A fixed information storage unit that stores data such as insurance premium rates in an unerasable state, and a variable information storage unit that stores rewritable data such as newly added insurance menus and insurance premium rates, or new models. an insurance information storage unit consisting of an insurance information storage unit, a calculation unit that calculates insurance premiums based on data read from the insurance information storage unit, and a telephone signal for which the caller pays for the call transmitted via the telephone line. It is activated by the input of , and commands to call up the data necessary for calculating the insurance premium from the insurance information storage unit and send it to the calculation unit, and also has a function to hold these data. A control unit that sequentially outputs the narrowing-down questions necessary for calculation of insurance premiums as external response signals; An insurance premium calculation device comprising: an audio signal output section that outputs a signal; 2. The insurance premium calculation device according to claim 1, further comprising a fax command section that operates based on commands from the control section and is connected between the control section and the interface section. 3. The insurance premium calculation device according to claim 1 or 2, wherein the activation start signal to the control unit is outputted by a telephone activation card inserted into the telephone and for which the callee pays the call fee.