System for calculating insurance premium
First Claim
1. A system for calculating an insurance premium, said system including an insurance company server managed by an insurance company which provides automobile insurance and a store server managed by a store which sells equipment relative to an automobile, said insurance company server and said store server being connected through a network, and comprising:
- a storage apparatus for storing points previously defined for each equipment and a program;
a receiving apparatus for receiving purchase information of equipment containing an equipment identifier for specifying equipment purchased and an insurance identifier for specifying automobile insurance of a purchaser of the equipment from said store server; and
a control apparatus connected to said storage apparatus and said receiving apparatus, for calculating points corresponding to the equipment identifier on the basis of said received equipment identifier and said storage means in accordance with said program and controlling to store said insurance identifier and said calculated points in a correspondence manner to each other in said storage means, said control apparatus calculating a total value of the points corresponding to said insurance identifier every fixed period defined by the automobile insurance specified by said insurance identifier and calculating information relative to an updated insurance premium of said automobile insurance on the basis of said total value.
1 Assignment
0 Petitions
Accused Products
Abstract
An insurance premium calculation system calculates an insurance premium in consideration of factors other than the distance covered and the number of workdays of an automobile. In order to calculate the insurance premium in accordance with a person (or an automobile) insured more properly, equipment information relative to equipment (or parts) equipped in the automobile is inputted from a store server and a collation system calculates the insurance premium in accordance with points corresponding to each equipment. An insurance contract plan is prepared on the basis of the calculated insurance premium by an insurance company server to be informed to a customer.
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Citations
18 Claims
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1. A system for calculating an insurance premium, said system including an insurance company server managed by an insurance company which provides automobile insurance and a store server managed by a store which sells equipment relative to an automobile, said insurance company server and said store server being connected through a network, and comprising:
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a storage apparatus for storing points previously defined for each equipment and a program;
a receiving apparatus for receiving purchase information of equipment containing an equipment identifier for specifying equipment purchased and an insurance identifier for specifying automobile insurance of a purchaser of the equipment from said store server; and
a control apparatus connected to said storage apparatus and said receiving apparatus, for calculating points corresponding to the equipment identifier on the basis of said received equipment identifier and said storage means in accordance with said program and controlling to store said insurance identifier and said calculated points in a correspondence manner to each other in said storage means, said control apparatus calculating a total value of the points corresponding to said insurance identifier every fixed period defined by the automobile insurance specified by said insurance identifier and calculating information relative to an updated insurance premium of said automobile insurance on the basis of said total value. - View Dependent Claims (2, 3, 4, 5, 6)
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7. An insurance premium calculation method using an insurance premium calculation system including an insurance company server managed by an insurance company which provides automobile insurance, a store server managed by a store which sells equipment relative to an automobile, and storage means connected to said insurance company server and said store server through a network, for storing points previously defined for each equipment, comprising:
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a step of receiving purchase information of equipment containing an equipment identifier for specifying equipment purchased and an insurance identifier for specifying automobile insurance of a purchaser of the equipment from said store server;
a step of calculating points corresponding to the equipment identifier on the basis of the received equipment identifier and said storage means to store said insurance identifier and said calculated points in a correspondence manner to each other in said storage means;
a step of calculating a total value of the points corresponding to said insurance identifier every fixed period defined by the automobile insurance specified by said insurance identifier; and
a step of calculating information relative to an updated insurance premium of the automobile insurance on the basis of the total value. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A program product stored in a storage medium readable by a computer connected through a network to an insurance company server managed by an insurance company which provides automobile insurance and a store server managed by a store which sells equipment relative to an automobile, said program product causing said computer to execute the following steps comprising:
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a step of storing points previously defined for each equipment;
a step of receiving purchase information of equipment containing an equipment identifier for specifying equipment purchased and an insurance identifier for specifying automobile insurance of a purchaser of the equipment from said store server;
a step of calculating points corresponding to the equipment identifier on the basis of the received equipment identifier and storage means, and controlling to store said insurance identifier and said calculated points in a correspondence manner to each other in said storage means;
a step of calculating a total value of the points corresponding to said insurance identifier every fixed period defined by the automobile insurance specified by said insurance identifier; and
a step of calculating information relative to an updated insurance premium of said automobile insurance on the basis of said total value. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification