Insurance premium rate setting support system

• US 20060218021A1
• Filed: 12/27/2005
• Published: 09/28/2006
• Est. Priority Date: 12/27/2004
• Status: Active Grant

• Current Assignee: Chiyoda Gravure Corp., Shinko KIKO Company Limited
• Original Assignee: Chiyoda Gravure Corp., Shinko KIKO Company Limited
• Inventors: Sato, Hisayoshi
• Granted Patent: US 7,840,423 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

An insurance premium rate setting support system is composed of a computer and includes: a probability-increase/strong-influence location coefficient setting section which sets a probability-increase/strong-influence location coefficient by obtaining the coefficient based on a predetermined function; and an earthquake insurance premium rate computation section which computes an insurance premium rate where an increase in the earthquake occurrence probability, based on the estimated strain accumulation, is reflected by multiplying together the set probability-increase/strong-influence location coefficient and an insurance premium rate where the increase in the earthquake occurrence probability, based on the estimated strain accumulation, is not reflected.

Claims

1. An insurance premium rate setting support system composed of a computer, and comprising:

probability-increase/strong-influence location coefficient setting means which, if an inputted location covered by earthquake insurance is specified as a probability-increase/strong-influence location located in any one of an area for which an earthquake occurrence probability has increased to not less than a predetermined probability based on estimated strain accumulation along at least one of a plate boundary and a fault due to a period having elapsed since a past earthquake occurrence, and an area having a risk of being strongly influenced by an earthquake occurrence in the area for which the earthquake occurrence probability has increased to not less than the predetermined probability, sets a probability-increase/strong-influence location coefficient by obtaining said coefficient based on a predetermined function whereby said coefficient increases in a stepwise manner following an increasing characteristic of an earthquake occurrence probability with respect to a period having elapsed since the past earthquake occurrence in the location covered by the earthquake insurance; and

earthquake insurance premium rate computation means which computes an insurance premium rate where an increase in the earthquake occurrence probability, based on said estimated strain accumulation, is reflected, by multiplying together said set probability-increase/strong-influence location coefficient and an insurance premium rate where the increase in the earthquake occurrence probability, based on said estimated strain accumulation, is not reflected.

2. The insurance premium rate setting support system according to claim 1, further comprising:

earthquake insurance covered-location judgment means which judges whether an inputted location covered by earthquake insurance is a probability-increase/strong-influence location located in any one of an area for which an earthquake occurrence probability has increased to not less than a predetermined probability based on estimated strain accumulation along at least one of a plate boundary and a fault due to a period having elapsed since a past earthquake occurrence, and an area having a risk of being strongly influenced by an earthquake occurrence in the area for which the earthquake occurrence probability has increased to not less than the predetermined probability, and which, if a result of the judgment is that the inputted location is the probability-increase/strong-influence location, designates the intent to said probability-increase/strong-influence location coefficient setting means.

3. The insurance premium rate setting support system according to claim 1, further comprising:

insurance premium rate selection-purpose output means which outputs the insurance premium rate computed by said earthquake insurance premium rate computation means, and the insurance premium rate where said increase in the earthquake occurrence probability is not reflected, and which thereby allows a purchaser of the insurance to purchase the insurance with one of the foregoing insurance premium rates, the one being spontaneously selected by the purchaser.

7. The insurance premium rate setting support system according to claim 2, further comprising:

insurance premium rate selection-purpose output means which outputs the insurance premium rate computed by said earthquake insurance premium rate computation means, and the insurance premium rate where said increase in the earthquake occurrence probability is not reflected, and which thereby allows a purchaser of the insurance to purchase the insurance with one of the foregoing insurance premium rates, the one being spontaneously selected by the purchaser.

4. An insurance premium rate setting support system composed of a computer, and comprising:

traveling time range judgment means which judges whether or not an inputted time range of traveling in a journey covered by travel accident insurance is a moon influence time range falling in a predetermined time period, around any one of a moonrise and a moonset in a location visited during the traveling, during which an earthquake occurrence probability for the location increases to not less than a predetermined probability;

moon influence coefficient setting means which sets a moon influence coefficient of the journey if the time range of traveling is said moon influence time range; and

travel accident insurance premium rate computation means which computes an insurance premium rate where an increase in the earthquake occurrence probability around one of said moonrise and said moonset is reflected, by multiplying together said set moon influence coefficient and an insurance premium rate where said increase in the earthquake occurrence probability around one of said moonrise and said moonset is not reflected.

5. The insurance premium rate setting support system according to claim 4, wherein said moon influence coefficient setting means sets said moon influence coefficient based on a predetermined function whereby said coefficient decreases in a stepwise manner following a decreasing characteristic of an earthquake occurrence probability with respect to a periodical distance of a time within said predetermined time period from said one of said moonrise and moonset.

6. The insurance premium rate setting support system according to claim 4, further comprising:

insurance premium rate selection-purpose output means which outputs an insurance premium rate computed by said travel accident insurance premium rate computation means, and an insurance premium rate where said increase in the earthquake occurrence probability is not reflected, and which thereby allows a purchaser of the insurance to purchase the insurance with one of the foregoing insurance premium rates, the one being spontaneously selected by the purchaser.

8. The insurance premium rate setting support system according to claim 5, further comprising:

insurance premium rate selection-purpose output means which outputs an insurance premium rate computed by said travel accident insurance premium rate computation means, and an insurance premium rate where said increase in the earthquake occurrence probability is not reflected, and which thereby allows a purchaser of the insurance to purchase the insurance with one of the foregoing insurance premium rates, the one being spontaneously selected by the purchaser.