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Insurance premium rate setting support system

  • US 7,840,423 B2
  • Filed: 12/27/2005
  • Issued: 11/23/2010
  • Est. Priority Date: 12/27/2004
  • Status: Expired due to Fees
First Claim
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1. A computer system for setting insurance premium rates of travel accident insurance comprising:

  • an input unit for a purchaser to input a location and time range of travel to be covered by the travel accident insurance;

    a memory unit for storing information relating to moonrise and moonset times at a plurality of locations; and

    a basic insurance premium rate; and

    a central processing unit connected to the input unit and the memory unit;

    wherein the central processing unit is programmed;

    to determine when an inputted time range of traveling on a journey to be covered by travel accident insurance falls within plus and minus 3 hours of the moonrise or moonset time at the inputted location and, in response, set a moon influence coefficient of the journey reflecting an increase in an earthquake occurrence rate; and

    to compute an applicable insurance premium rate by multiplying together said set moon influence coefficient and the basis insurance premium rate.

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