JPH08305747A - Insurance product selection method and device - Google Patents

Abstract

(57) [Summary] [Purpose] To make it possible to easily select an insurance product suitable for an individual customer from a large number of insurance products and propose it to the customer. [Structure] A plurality of insurance product information including an insurance product name and its accessory information is stored in advance in a product information storage means, and objective and subjective conditions regarding customers who do not match each insurance product are set for each insurance product. If the objective information and the subjective information about the customer are input in advance by storing in advance in the narrowing condition storage means for each insurance product as the narrowing condition of
An insurance product name that is a narrowing down condition that satisfies the input objective information and subjective information is extracted from the narrowing down condition storage means, and an insurance product excluding the insurance product with the insurance product name is proposed to the customer. Elected as.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance product selection method and device for selecting a product suitable for a customer from a large number of insurance products in insurance business and proposing it to the customer.

[0002]

2. Description of the Related Art Conventionally, as a system for supporting insurance business of insurance products to customers, the insurance which is briefly introduced in the industry magazine "Insurance" (June 16, 1994 issue, P16-17). There is a sales support system.

This insurance business support system has a structure including (1) insurance design function, (2) required fund analysis function, and (3) customer management function.

The insurance design function is composed of an input / output unit, a calculation unit, a product information storage unit, and a design document storage unit. When conditions such as an insurance product, an amount of insurance money received, and an insurance premium are inputted, the inputted conditions are inputted. To create an insurance design document.

The required fund analysis function includes an input / output unit, a calculation unit,
It is composed of a customer information storage unit and a required fund storage unit, and when the customer's family structure, income, marriage plan, etc. are input, the customer's future required funds are analyzed and output.

The customer management function is composed of an input / output unit, a contract information storage unit, and a contract information search unit, which inputs and stores the customer information and retrieves and maintains the stored contract information of the customer. .

On the other hand, as introduced in "Asahi Shimbun" (May 13, 1994 morning edition), it is composed of an input / output unit and a product information storage unit. When product information is input, it is stored in advance. There is a product information system that presents product information such as insurance premiums and insurance money of existing products to customers.

[0008]

However, in the above-mentioned conventional technique, it is necessary for the proposer to decide the proposed product in advance when preparing the insurance design document, and therefore, a large number of insurance products are required. When dealing with, there are problems that it takes time to determine which product is suitable for the customer, and that the product suitable for the customer cannot be found.

[0009] Further, the necessary funds are only calculated by using the customer information such as the family structure of the customer, and the selection of the proposed product must be judged by the proposer using the collected customer information. When dealing with insurance products, there is a problem that it takes time to determine which product is suitable for the customer, and it is impossible to find a product suitable for the customer.

Further, since only contract information is searched and maintained, it is not possible to support new customers with any sales activities, and even existing customers can
When proposing other products that have not been contracted, the proposer must judge the same as new customers, so when dealing with a large number of insurance products, similar to the above,
There is a problem that it takes time to determine which product is suitable for the customer, and it is impossible to find a product suitable for the customer.

It is an object of the present invention to provide an insurance product selection method and device which can easily select an insurance product suitable for an individual customer from a large number of insurance products.

[0012]

In order to achieve the above object, the insurance product selection method of the present invention basically comprises a plurality of insurance product information consisting of an insurance product name and ancillary information thereof. In advance, the objective condition and the subjective condition regarding the customer who does not match each insurance product are stored in advance in the narrowing condition storage means for each insurance product as the narrowing condition for each insurance product, and When the information and the subjective information are inputted, the insurance product name which is the narrowing condition satisfying the inputted objective information and the subjective information is extracted from the narrowing condition storing means, and the insurance of the insurance product name is obtained. The feature is that an insurance product excluding products is selected as a proposed product to the customer.

Further, the insurance product selection device of the present invention basically relates to a product information storage means for storing a plurality of insurance product information consisting of an insurance product name and its accompanying information, and a customer who does not fit each insurance product. Narrowing condition storage means storing objective conditions and subjective conditions for each insurance product as narrowing conditions for each insurance product, input means for inputting objective information and subjective information about customers, and input from this input means Narrow down the insurance product name that is the narrowing condition satisfying the objective information and the subjective information from the narrowing condition storage means, and select the insurance product excluding the insurance product of the insurance product name as a proposal product to the customer It is characterized by comprising processing means and output means for outputting the selected proposed product.

[0014]

According to the above means, when objective information such as age, family structure, etc. regarding a customer and subjective information such as the degree of anxiety are input, narrowing down is performed to satisfy the input objective information and subjective information. The insurance product name as a condition is retrieved from the narrowing condition storage means. Then, an insurance product excluding the insurance product with the insurance product name is selected as a product to be offered to the customer.

Therefore, by simply inputting objective information such as age and family structure regarding the customer and subjective information such as the degree of anxiety, it is possible to easily select an insurance product suitable for the customer from a large number of insurance products. And they can be quickly selected and proposed.

In this case, regarding a customer who has an insurance product for which a contract has been made, the name of the insurance product for which a contract has been made for a predetermined period in the past and objective information at the time of the contract are held, and the insurance for an existing policy for a specified period in the past is held. Targeting all products, the items of objective customer information that contributed to the contract are aggregated by product, the contribution ratio of each item is calculated, and the narrowing condition is deleted by deleting the narrowing condition according to the value of the contribution ratio. The conditions can be optimized according to the actual contract status, and the adequacy can be improved.

[0017]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described in detail below with reference to illustrated embodiments.

FIG. 1 is a block diagram showing an embodiment of an apparatus to which the insurance product selection method of the present invention is applied.

In FIG. 1, reference numeral 100 denotes an insurance product selection device that selects and outputs an insurance product corresponding to the conditions when various conditions relating to the customer are input. The insurance product selection device 100 is composed of, for example, a portable computer, includes a customer information input unit 101, a narrowing down unit 102, and a proposed product output unit 103, and further includes a large number of insurance product names and their accompanying information. Product information storage unit 111 that stores product information that includes, narrowing condition storage unit 112 that stores narrowing conditions for insurance products, and customer information input unit 101.
Customer information storage unit 11 for storing customer information input from
3. The proposed product storage unit 103 for storing the information of the narrowed down insurance products is provided, and the information such as the customer condition is input from the input / output unit 120.

The customer information input unit 101, the narrowing unit 102, and the proposed product output unit 103 are provided in the central processing unit (CP).
U) data processing function,
The product information storage unit 111, the narrowing condition storage unit 112, and the proposed product storage unit 114 are realized by a storage device such as a hard disk or a floppy disk. Further, the input / output unit 120 is a keyboard or LC of a mobile terminal device.
It is realized by a D display device or the like.

Further, the customer information input unit 101 and the proposed product output unit 103 can transmit and receive various information such as customer conditions with the host computer and other insurance product selection devices via the network. ing.

FIG. 2 shows an example of product information stored in advance in the product information storage unit 111. Product information including a product name such as savings insurance and its accessory information is attached with a product number. Stored in insurance product units.

In the example of FIG. 2, the product number 301, the life stage 302, the income guarantee need 303, and the product name 304 are stored separately for each product.

The life stage 302 means various milestones such as marriage and birth of a child that occur in the process of human growth, and the product name includes the income guarantee needs 303 such as marriage cost at that life stage. It constitutes the additional information 304.

FIG. 3 is a diagram showing an example of narrowing conditions stored in advance in the narrowing condition storage unit 112.
Narrowing conditions 402 for each insurance product indicated by the product number 301 are stored for each product number. Narrowing condition 4
02 represents an objective condition and a subjective condition regarding a customer who does not match each insurance product.

For example, for the product name “Academic Insurance” of “Product No. = 2”, the customer whose family structure is “Unmarried” or who meets the objective condition of “No children” is “Academic insurance”.
This is not suitable for proposing a contract of "Family structure = unmarried,"
"OR child = none (OR independent)" is set.

[0027] Regarding "savings insurance" of "product number = 3", whether the housing environment is a homeowner or the family structure is unmarried,
Or for unplanned customers, "Product number = 3"
Since it is not suitable to propose the "savings insurance" contract, the condition for excluding the "savings insurance" of this "product number = 3" from the proposed product is "family structure = own house, OR family structure = unmarried, OR plannedness. None is set. here,
“No planning” is a subjective condition of the customer.

FIG. 4 shows an input / output screen 50 displayed on the input / output unit 120 by the customer information input unit 101 for inputting customer information.
It is a figure which shows the example of 0, and displays the input item about the objective customer information 501 about the customer's age etc. and the subjective information 502 about the presence or absence of a plan, and the objective customer information 501 heard from the target customer, The housing status 503 is selectively set, and the subjective customer information 502, which is a result obtained by the proposer's evaluation of the customer, is selectively set.

The items of the objective customer information 501 here are:
"Name", "Age", "Income", "Birthplace", "Contracted Products", "Family Information", "Housing Status", "Hobbies". Selected items are updated to shaded state. It is possible to identify which item has not been entered. In this case, with respect to the "housing status", the option 503 is displayed at another display position, and here, the owner or the rented house is selectively set.

In addition to this, a cancel icon 504 for canceling the selected and set condition, and an O for instructing the end of setting
K icon 505, presentation icon 50
7. A narrowing down start icon 506 is displayed.

When the presentation icon 507 is selected by a pointing device or the like, the subjective customer information 502 is erased from the input / output screen 500 and is considered not to be seen by the customer.

Further, when the narrowing down start icon 506 is selected, the narrowing down process of the suggested products by the narrowing down unit 102 is started.

FIG. 5 is a diagram showing an example of the objective customer information 501. As items 601 of the objective customer information 501, name, age, sex, housing environment, family structure, children, cigarettes, hobbies, and contracts have been made. Products are provided and objective customer information 5
As the content 602 of 01, "name = Hitachi Taro", "age =
"24 years old", "sex = male", "housing environment = rented house", "family structure = single", "child = none", "cigarette = smoke",
"Hobbies = Golf, Tennis" and "Contracted products = None" are set.

Although the item 601 of FIG. 6 is different from the item content of FIG. 5, the same item content is displayed on the input / output screen 500 of FIG. 5 when setting the information of the item 601 of FIG. Needless to say.

FIG. 6 is a diagram showing an example of the subjective customer information 502. As the item 701 of the subjective customer information 502, a viewpoint, a planability, a sense of responsibility, and anxiety are provided, and the content 702 is “viewpoint = "I", "planned = yes",
“Responsibility = No” and “Anxiety = Yes” are set.

FIG. 7 is a flowchart showing the insurance product selection procedure according to the above configuration. The insurance product selection procedure will be described below with reference to this flowchart.

First, the input / output screen 500 of FIG. 5 is displayed on the input / output unit 120, and the proposer selects and sets the objective customer information 501 and the subjective customer information 502 of the target customer on the input / output screen 500 (step 201).

When the proposer finishes setting the necessary items (step 202), he / she selects the presentation icon 507 and displays the subjective customer information 502 on the input / output screen 5.
Erase from 00. This is to prevent the target customer from seeing the personality of the target customer evaluated by the proposer.

Next, the proposer starts the narrowing-down icon 50.
When 6 is selected, the customer information input unit 101 stores the objective customer information 501 and the subjective customer information 502 selected and set by the proposer in the customer information storage unit 113, and then, as shown in FIG. A menu 508 for selecting the content is displayed near the narrow-down icon 506, and the proposer is allowed to select and set the content of the output item.

As a result, the output item is determined (step 203).

When the output items are determined, the narrowing unit 102
Compares the objective customer information 501 and the subjective customer information 502 stored in the customer information storage unit 113 with the narrowing condition 402 stored in the narrowing condition storage unit 1112,
The insurance product number 301, which is a narrowing condition that satisfies the objective customer information 501 and the subjective customer information 502, is extracted, and the insurance product information excluding the insurance product of that number is read from the product information storage unit 111, and the customer It is stored in the suggested product storage unit 114 as a suggested product to the.

More specifically, after setting the variable i to "0" (step 204), the customer information (objective customer information 501 and subjective customer information 502) input by the proposer and stored in the customer information storage unit 113 is stored. ) Satisfies the condition for narrowing down the product number i corresponding to the variable i (step 205), and if so, the product number i
Is deleted from the proposed products (step 208).

Next, if the comparison with the narrowing-down conditions of all insurance products has not been completed, the variable i is updated (steps 206 and 207) and the same processing is repeated.

When the comparison with the narrowing-down conditions of all insurance products is completed, the output contents are determined and the proposed product storage unit 1
14 (step 209).

The information of the proposed product stored in the proposed product storage unit 114 is input / output unit 12 by the proposed product output unit 103.
It is displayed and output on the input / output screen of 0 (step 210).

Assuming, for example, that the objective customer information 501 of FIG. 5 is input and the subjective customer information 502 of FIG. 6 is input, the narrowing condition satisfying these information 501 and 502 is as shown in FIG. Insurance products with product numbers = 2, 3, 6 are "academic insurance", "savings insurance", and "death insurance", so insurance products with product numbers = 1, 4, 5 excluding these are extracted as narrowing down results. To be done.

Insurance product information 900 as a result of narrowing down to FIG.
Is shown. Insurance product information 900 of this narrowing down result
Is displayed on the output screen 1000 as shown in FIG.

In this case, if there is a contracted product in the input customer information, it is displayed in the output screen 1000. Furthermore, if any one of the proposed product numbers 901 is selected,
The insurance product design screen is displayed, and the design of the proposed product becomes possible.

[Continue Input Button] icon 90
When 5 is selected, the input / output screen 500 of FIG. 4 is displayed again, and new customer information can be input.

However, when the "end button" icon 906 is selected, the insurance product selection process is terminated.

FIG. 11 shows a condition input screen 1 for the proposed product design.
It is a figure which shows an example of 100, and the desired maturity receipt amount 1701
Is set with the up and down buttons, "Monthly payment / annual payment" is set with the menu 1702, and the end button icon 17
When 03 is selected, the design document of the product name “savings insurance” displayed at the top of the screen is displayed on the proposed product design screen 1200 as shown in FIG.

As is apparent from the above, according to the present embodiment, the proposer acquires objective and subjective information from the target customer and inputs the objective and subjective information from the input / output unit 120. With just one operation, it is possible to select an appropriate insurance product for a target customer from a large number of insurance products and propose it to the customer. Therefore, the time to propose is greatly reduced,
It becomes possible to support efficient sales operations.

The product information stored in the product information storage unit 111 and the narrowing-down condition stored in the narrowing-down condition storage unit 1112 may be obtained online from the center device.

The objective customer information 501 and the subjective customer information 502 are configured so that the customer himself / herself inputs them via the network instead of the method input by the proposer, and the narrowed-down result is returned to the customers via the network. May be. With this configuration, it is possible to propose appropriate products to a large number of customers without going through sales staff.

FIG. 13 is a block diagram showing another embodiment of the present invention. In this example, all the contracted products in the past predetermined period are targeted, and the customer information (objective customer information) items at the time of the contract that contributed to the contract are totaled for each product, and the contribution rate of each item is calculated. However, the function of deleting the narrowing-down condition according to the magnitude of the value of the contribution rate is added, and the analysis unit 104, the totalization result storage unit 115, the analysis result storage unit 116, the narrowing-down condition are added to the embodiment of FIG. The configuration is such that a constant storage unit 117 is added. The same parts as those in FIG. 1 are represented by the same symbols.

In FIG. 13, the analysis unit 1004 stores objective customer information 501 of a plurality of customers stored in the customer information storage unit 113 for a predetermined past period (for example, three months).
Information 501 of customers who have contracted products in the
Only the number of contracts is taken out, the number of contracts for each product and each item is totaled and stored in the totalization result storage unit 115, and the totalization result is analyzed and stored in the analysis result storage unit 116. Then, the contribution rate to the contract is small. This is to delete a narrowing condition having an item or a choice.

Here, in the objective customer information 501,
Although there are items such as names that do not have options, the analysis unit 104 in this embodiment targets items that have options. For example, in the case of age, there are options such as 20 years old and over, 30 years old and over, and in the case of income, less than 4 million yen, 4
There are options such as over, 000,000 yen. Furthermore, depending on the housing situation, there are options such as owning a house, renting a house, and renting a house. Analysis unit 1
04 is objective customer information 501 with such options
Analyze the items in. If necessary, the subjective customer information 502 can be included in the analysis target.

The narrowing condition constant storage unit 117 stores a constant a (or a threshold value) serving as a comparison reference when deleting the narrowing condition stored in the narrowing condition storage unit 112. For example, a = It is set to 0.2.

FIG. 14 shows an example of narrowing-down conditions before the analysis unit 104 starts analysis processing, and narrowing-down conditions 1302 are set for each product number 1301. The product number 1301 matches the product number of each insurance product that has already been contracted and is stored in the product information storage unit 111. The numbers such as “customer information item 1” and “customer information item 2” of the narrowing-down condition 1302 match the numbers displayed in the input items of the customer information displayed on the input / output screen 500. That is, "customer information item 1" and "customer information item 2" refer to the numbers of items such as family status and housing status.

FIG. 15 shows an example of the result of aggregation of customer information by the analysis unit 104 for existing contracted products. 1101 is the contracted product number, 1102 is the item number of the objective customer information 501, and It is the number of the option in the item (the number indicating the distinction between the owning house and the rented house in the item of housing condition on the screen of FIG. 4).

In this totaling result, the numeral 1800, "800", indicates that there are 8 customers who have contracted for "contract item number 1" and have selected "option 1" of "customer information item 1".
It shows that there were 00 people.

FIG. 16 is a diagram showing the result of calculating the contribution rate of each item, and the contribution rate is calculated for each option. Specifically, it is calculated by dividing the number of contracts for each option by the total number of contracts for each item. For example, since the number of contracts for "option 1" of "customer information item 1" in "contract item number 1" is "800" and the total number of contracts for the same "customer information item 1" is "1010", Rate b = “0.7
92 "(= 800/1010).

The analysis unit 104 calculates the contribution rate of each item in this way and stores it in the analysis result storage unit 116.
Delete the narrowing condition that has an item with a small contribution rate as an option.

For example, the contribution rate a of "option 2", "option 3" in "customer information item 1" of "contract product number 1" and "option 1" in "customer information item 2" is "0.2. The narrowing-down condition 1302 having options that satisfy this condition is the narrowing-down condition corresponding to “product number 1” in FIG.

Therefore, the narrowing-down condition corresponding to "product number 1" is deleted as shown in FIG.

FIG. 18 is a flow chart showing the analysis processing procedure of the analysis unit 104. First, the items of customer information (objective customer information) that contributed to the contract as described above are totaled for each product, and the contribution of each item. The rate is calculated, and the analysis result storage unit 11
6 (step 1601).

Next, the contract product number j is set to "0" (step 1602), and then "1" is added to the product number j (step 1603).

Next, the contribution rate of the line of the contracted product of the contracted product number j in FIG. 16 is retrieved from the analysis result storage unit 116 (step 1604).

Next, the customer information item number k is set to 0 (step 1605), and "1" is added to the customer information item number k (step 1606).

Next, the contribution rate of the customer information item column of the customer information item number k in FIG. 16 is extracted (step 160).
7).

Next, the option number e of the customer information item of the customer information item number k is set to "0" (step 1608), and e = e + 1 is further set to e = 1 (step 1).
609).

Next, the contribution rate b _jke of the option of the customer information item number e of the product number k of the contract product number j is extracted (step 1610). For example, in the example of FIG. 12, j =
When 0.7, k = 1, and e = 1, "0.792" is extracted.

Next, a and b _jke are compared (step 1611). In this embodiment, the narrowing condition constant storage unit 11
Since a = 0.2 is stored in 7, a <b _jke = 0.
729, the process branches to step 1613.

Since the customer information item of the contract merchandise number k still has options, the process returns to step 1609 (step 1613), e = 2 is set in step 1669, and b _jke is taken out in step 1610. Next, a is compared with _bjke (step 1611).

Then, since a> b _jke = 0.198, the process branches to step 1612.

Next, it is checked whether or not the product of the contract product number j includes the option of the number e of the customer information of the number k in the narrowing condition 1302 (step 1612). j =
When 1, k = 1 and e = 2, a> b _jke , so j
The condition for narrowing down the product number of = 1 is deleted.

Next, it is judged whether or not the contribution ratios of all the options of the customer information item of the contract merchandise number k have been checked (step 1613). If not, the process returns to step 1609 to repeat the same processing.

If it has been completed, it is judged whether or not all the options of the customer information item of number k have been analyzed (step 1614). If not, the process returns to step 1606 to analyze the next item. Do it.

If it is finished, it is judged whether or not the analysis of all contracted products is finished, and if it is not finished,
Returning to step 1603, the next contract product is analyzed in the same manner.

If it has been completed, the processing is terminated.

FIG. 17 shows the contribution rate b of all options from j = 1, k = 1, e = 1 to j = 3, k = 3, e = 2.
_{This shows} the result of examining _jke and deleting the narrowing condition having an option with a small contribution ratio b _jke , and a> b _jke when j = 1, k = 1, and e = 2. , The narrowing-down condition of the product with the product number 1 is deleted.

As described above, in this embodiment, the items of the objective customer information 501 that contributed to the contract are totaled for each product for all the contracted products in the past predetermined period, and the contribution rate of each item is calculated. Since the calculation is performed and the narrowing-down condition is deleted according to the magnitude of the value of the contribution rate, the narrowing-down condition of the proposed product can be optimized. As a result, it becomes possible to propose a product that meets customer needs, and it is possible to reduce the time for determining a product that suits the customer and at the same time improve the adequacy of the proposed product.

The customer information of the contracted products is analyzed for the customer information stored in the customer information storage unit 113.
The configuration may be obtained online from the center device.

Further, the analysis function of the analysis unit 104 is provided in the center device, the narrowing condition having a low contribution rate is deleted in the center device, and the narrowing condition after the deletion is transferred online and stored in the narrowing condition storage unit 112. It may be configured.

[0085]

As described above, according to the present invention, a plurality of insurance product information consisting of an insurance product name and its accompanying information is stored in advance in the product information storage means, and the customer is not compatible with each insurance product. The objective condition and the subjective condition are stored in advance in the narrowing condition storage means for each insurance product as the narrowing condition of each insurance product, and if the objective information and the subjective information about the customer are input, the input condition is input. Withdrawing from the narrowing condition storage means insurance product names that are narrowing down conditions that satisfy objective information and subjective information,
Since an insurance product excluding the insurance product with that insurance product name is selected as a proposal product to the customer, it is possible to easily select an insurance product suitable for each customer from a large number of insurance products and propose it to the customer. be able to.

Further, for all existing contracted products in the past predetermined period, the items of objective customer information that contributed to the contract are aggregated for each product, the contribution ratio of each item is calculated, and the value of the contribution ratio is calculated. Since the narrowing-down condition is deleted depending on the size of the item, it is possible to optimize the narrowing-down condition of the proposed product. As a result, it becomes possible to propose a product that meets customer needs, and it is possible to reduce the time for determining a product that suits the customer and at the same time improve the adequacy of the proposed product.

[Brief description of drawings]

FIG. 1 is a block diagram showing an embodiment of an insurance product selection device of the present invention.

FIG. 2 is an explanatory diagram showing an example of product information stored in a product information storage unit.

FIG. 3 is an explanatory diagram showing an example of narrowing conditions stored in a narrowing condition storage unit.

FIG. 4 is an explanatory diagram showing an example of an input / output screen for customer information.

FIG. 5 is an explanatory diagram showing an example of objective customer information.

FIG. 6 is an explanatory diagram showing an example of subjective customer information.

FIG. 7 is a flowchart showing a procedure of a proposed product selection process.

FIG. 8 is an explanatory diagram showing a display example of options before starting narrowing down.

FIG. 9 is an explanatory diagram showing an example of a proposed product after the narrowing down is completed.

FIG. 10 is an explanatory diagram showing an example of an output screen of a proposed product after the narrowing down is completed.

FIG. 11 is an explanatory diagram showing an example of a condition input screen for proposed product design.

FIG. 12 is an explanatory diagram showing an example of an output screen after completion of design of a proposed product.

FIG. 13 is a block diagram showing another embodiment of the present invention.

14 is an explanatory diagram showing an example of narrowing-down conditions before the start of analysis in the embodiment of FIG.

FIG. 15 is an explanatory diagram showing an example of a customer information totaling result in the embodiment of FIG.

16 is an explanatory diagram showing an example of a calculation result of a contribution rate for each customer information item in the embodiment of FIG.

FIG. 17 is an explanatory diagram showing an example of narrowing-down conditions after completion of analysis in the embodiment of FIG.

FIG. 18 is a flowchart showing a processing procedure of the analysis unit in the embodiment of FIG.

[Explanation of symbols]

100 ... Insurance product selection device, 101 ... Customer information input section,
102 ... Narrowing unit, 103 ... Proposed product output unit, 104
... analysis unit, 111 ... product information storage unit, 112 ... narrowing condition storage unit, 113 ... customer information storage unit, 114 ... proposed product storage unit, 115 ... totaling result storage unit, 116 ... analysis result storage unit, 117 ... narrowing condition Constant storage section, 120 ... Input / output section, 501 ... Objective customer information, 502 ... Subjective customer information.

Continuation of the front page (72) Inventor Atsushi Endo 3-16 Omorikita, Ota-ku, Tokyo Hitachi System Engineering Co., Ltd. (72) Inventor Minoru Yamagoe 12 Hitachi Ltd., 890 Kashimada, Kawasaki-shi, Kanagawa Information Systems Division (72) Inventor Daisaku Mori 12 at 890 Kashimada, Sachi-ku, Kawasaki City, Kanagawa Prefecture Hitachi Information Systems Division (72) Inventor Kazuhiro Kawashima 12 shares at 890 Kashimada, Kawasaki City, Kanagawa Prefecture Information Systems Division, Hitachi, Ltd.

Claims (3)

[Claims] 1. A plurality of insurance product information consisting of an insurance product name and its accompanying information is stored in advance in a product information storage means, and objective and subjective conditions for customers who do not match each insurance product are set. As the narrowing condition of the insurance product, it is stored in advance in the narrowing condition storage means for each insurance product,
When the objective information and the subjective information about the customer are inputted, the insurance product name which is the narrowing condition satisfying the inputted objective information and the subjective information is extracted from the narrowing condition storage means, and the insurance is provided. An insurance product selection method characterized in that an insurance product excluding an insurance product with a product name is selected as a proposal product to a customer. 2. A product information storage means for storing a plurality of insurance product information consisting of an insurance product name and its accessory information, and an objective condition and a subjective condition regarding a customer who does not match each insurance product are narrowed down for each insurance product. As a condition, a narrowing condition storage means stored for each insurance product, an input means for inputting objective information and subjective information about the customer, and a narrowing condition satisfying the objective information and the subjective information input from this input means. Narrowing down processing means for extracting the insurance product name from the narrowing condition storage means, selecting an insurance product excluding the insurance product of the insurance product name as a proposal product to the customer, and an output means for outputting the selected proposal product. An insurance product selection device comprising: 3. A customer information storage means for storing a contracted insurance product name and objective information at the time of contracting with respect to a customer who owns a contracted insurance product, and a predetermined past stored in this customer information storage means. For all insurance products already contracted during the period, the items of objective customer information that contributed to the contract are aggregated by product, the contribution ratio of each item is calculated, and the narrowing condition is based on the size of the contribution ratio. The insurance product selection device according to claim 2, further comprising: narrowing condition deleting means for deleting the narrowing condition stored in the storing means.