JPS5994162A - Electric calculator for estimate of life insurance - Google Patents

Abstract

PURPOSE:To give aid to canvass for insurance, by inputting prescribed data from a keyboard and calculating and printing the life cycle of an insured person himself and the diagnosis of the amount of expenses. CONSTITUTION:For example, in the life cycle mode, living changes in the life of the family of the insured person are indicated with high age. That is, a life cycle key out of mode keys 5 is depressed to operate the electric calculator by the program of a life cycle, and information processings are performed in the form of conversation with characters and symbols displayed on a display device 16. In the operation processing, the life plan of the whole of living of this family is operated in an operation control circuit 27 in accordance with a preliminarily set program on a basis of data of the inputted age. The operation result is printed by a printer 17.

Description

Detailed Description of the Invention The present invention connects and prints the insured person's life cycle, total living expenses necessary for accidents, etc. on paper by inputting predetermined conditions (data). Make the insurer aware of the need for insurance and the life cycle of the person, etc.)
The present invention relates to a life insurance estimation calculator that facilitates insurance enrollment and facilitates the understanding of subscribers.

Traditionally, when soliciting life insurance, a salesman would show the premium to the subscriber by setting the premium by combining multiple products in advance, such as by printing it on a pamphlet, and then selecting the appropriate insurance from the set. The method used was to calculate and total the premiums for each product by referring to the price list. In any case, the mere presentation of the insurance amount may not be enough to discourage some insured persons from taking out the insurance.For this reason, in recent years, companies have printed life cycle models in pamphlets to emphasize the need for insurance. A model table of the total amount of living expenses in the event of an accident is printed and made known to the public. However, these are models, which do not realistically correspond to the insured person, and are difficult to appeal to intuition.They are based on the insured person's own original life cycle and living cost calculation values are preferred.

In view of the above-mentioned drawbacks, the present invention is a life insurance quote calculator that can calculate and print out the insured's own life cycle and diagnosis by inputting predetermined data using a keyboard, thereby assisting in insurance solicitation. It provides:

An embodiment of the present invention will be described below with reference to the drawings.

In Figure 1, it is a calculator with a built-in calculation function used for lFi life insurance estimates.This calculator 1 is small enough to fit in the palm of a handy type, and has a flat top surface. There is. The lower half of the surface of this calculator 1 is a keyboard for various operations.In the center is a numeric keypad 2 that displays numbers 0 to 9 and a decimal point, and on the left side and above the numeric keypad 2 are data keys for inputting various conditions. 3. On the right side of the numeric keypad 2 is a calculation key 4 for performing four arithmetic operations, and on the right side of the calculation key 4 is a mode key 5 for changing the calculation mode.
Control keys 6 are located above the calculation key 4 and below the data key 3.
, and a power switch 7 is provided above the mode key 5, respectively. This data key 3 contains "year", "month", "day", "S" representing the Showa era, and rTJ representing the Taisho era.
A key and a circle key 8 representing the gold unit are provided. The mode key 5 includes a life cycle key 10 that calculates changes in the insured's life over the life of the insured, a biorhythm key 11 that calculates changes in physical condition determined by the birth mound, and a biorhythm key 11 that calculates the total living expenses of the family in the event of an accident. A medical certificate key 12 and a calculator key 13 for calculating four arithmetic additions, subtractions, multiplications, and divisions are provided.

Further, the control keys 6 are provided with an age key 9 for inputting the full age, a MUJI -14 to press when there is no data to be input, and a C key 15 for clearing the data in order to repeat the calculation from the beginning. A horizontally elongated display 16 is provided in the center of the calculator 1, and this display 16 can display preset characters, numbers, etc., such as on a liquid crystal display, only in the necessary portions by electronic control. In the upper row, the characters and symbols "Marriage, husband, wife, 1 child, 2 children, 3 children, 4 children?" are set horizontally, and in the middle row, there are 8 digits representing O to 9 in 7 segments. Numbers are provided, and at the bottom, characters for ``birth date, month, day, and age'' are set at two-digit intervals in the horizontal direction, and these characters and numbers can be displayed and erased freely. , in Figure 1, all numbers are shown as one character. Further, (3) above the calculator 1 is provided a printer 17 for printing the calculation results in letters and numbers on paper (for example, roll paper, thermal paper, etc.).

Next, FIG. 2 is a block diagram showing the internal configuration of the calculator 1 according to the present embodiment.
, the calculation key 4, the mode key 5, and the control key 6 are each connected to an input check circuit 20, and an input decoder circuit 21 is connected to the input check circuit 20. This input decoder circuit 21 has a key branch logic circuit 22 and a key switch circuit 23 connected to each other, and the output of the input decoder circuit 21 is input to an input control circuit 24. 24 output is displayed) turn circuit 25, display control circuit 26, arithmetic control port #! Each is input to X27. The output of this display control circuit 25 is transmitted to a display control circuit 26.
6 is transmitted to the display 16 via the display drive circuit 28. The calculation control circuit 27 includes a calculation storage circuit 29,
Number storage circuit 30, color control circuit 31, print control circuit 32
(4) respectively, and the output of the numeric storage circuit 30 is connected to the arithmetic storage circuit 2.
The output of the arithmetic and storage circuit 29 is input to the display control circuit 26. The outputs of the color control circuit 31 and print control circuit 32 are input to a printer drive circuit 33, and the output of the printer drive circuit 33 is transmitted to the printer 17.

Next, the operation of this embodiment will be explained.

In this example, the life cycle and medical certificate operations.

The functions of the calculations will be explained, and the functions of the biorhythm and the calculator will be omitted since they are well known.

``Life Cycle'' This life cycle mode is a conflict that dictates the life changes of the insured's family over the lifetime, along with their age. First, the power switch 7 is turned on to supply power to the electric circuit inside the calculator 1 and set it to an operating state. Then, select and press the life cycle key 10 of the mode keys 5 to operate the calculator 1 with the life cycle program, and perform information processing in an interactive format with the characters and symbols displayed on the display 16 as shown below. be exposed.

"Inputting data" As mentioned above, when you press the life cycle key 10, the display 16
The characters ``Master? Years Old'' are displayed on the screen, and if you input the corresponding numerical value of the master's actual age using the numeric keypad 2, the display 16 will appear.
The age of the owner is displayed. If the screen on the display 16 is determined to be correct, the owner's age data is stored by pressing the age key 9. No key 1 if there is no master
Pressing 4 will jump to the next step, and if the input value is incorrect, pressing C key 15 will clear the input data. When the input of the husband's age is completed, the display 16 displays "Wife? Age", and the wife's actual full age is input using the numeric keypad 2. Confirmation and correction are performed by using the key 9 and the key 15. When the wife's age has been entered, the words "Marriage husband? years old" appear on the display 16, indicating that the husband's full age at the time of marriage may be entered, and following this, the husband's age is displayed. Enter the age at the time of marriage using the numeric keypad 2.

Next, the words "1st child? years old" appear on the screen of the display 16, but this is an instruction to enter the current full age of the first child in the family, so please follow this instruction. Enter the age of the first child on the numeric keypad. If the entered age is correct, press the age key 9 to memorize it, but if there is no first child, press the blank key 14 to proceed to the first calculation step, and if the input data is incorrect, press the C key 15. Press to enter data from the first step. In the same way, the characters "2nd child? years old", "3rd child? years old", "4th child? years old" are displayed on the display 16, and the second
The actual full ages of the child, third child, and fourth child are entered using the numeric keypad 2, stored sequentially, and when there are no corresponding children (7), the no key 14 is pressed to perform arithmetic processing.

"Arithmetic processing" In the arithmetic processing, the life plan of -t's family is calculated by a preset program based on the input age data, and the calculation results are sent to the printer 17.
The calculated and printed sample is shown in FIG.

This printed paper is printed in a direction perpendicular to the paper feed direction, and the ages of the husband and wife and the lifestyle of the children are shown in text. The sample in Figure 3 shows a family with the first and second children, and the third child,
The fourth child is not printed.

In this data processing, numeric keys 2. Data key 3.
The control key 5 is input to an input check circuit 20, and after checking, it is transmitted to an input decoder circuit 21, and some data is stored in a key manual buffer circuit 23. Also, data key 3. The meaning of each control key 50 input (8) is understood by the key manual branching logic circuit 22, and the input is sent to the input control circuit 24 along with the data.
The input control circuit 24 displays only the input numbers to the display pattern circuit 25 and the display control circuit 2.
6, and the display drive circuit 28 displays the corresponding numerical values. Then, data and commands are transmitted from the input control circuit 24 to the arithmetic control circuit 27, which performs arithmetic operations according to a preset program procedure based on the instructions. This memory is displayed on the display 16 via the display control circuit 261 and display drive circuit 28. The calculation results are also transmitted to the color control circuit 31 and the print control circuit 32, and both circuits 31
．． The output of 32 is transmitted to a printer drive circuit 33, and under the control of the printer drive circuit 33, the printer 17 prints the calculation result on paper.

A flowchart of this life cycle is shown in FIG.

"Medical Certificate" This mode is used to derive the total living expenses of the family in the case of death of the owner due to an unexpected accident, or after retirement.
It is started by pressing 2.

``Data Input'' The display 16 displays ``Master's age'', so use the numeric keypad 2 to input the actual age of the owner. Next, the display 16 shows “Wife?
"years old" is displayed, so enter the wife's full age using numeric keypad 2. Then, "4 children? years old" is displayed on the display 16, so the user inputs the age of the youngest child using the numeric keypad 2 (not the age of the fourth child).

Then enter your current average monthly living expenses using the numeric keypad 2,
Finally, press the circle key 8 to confirm, and then enter the husband's full retirement age using the numeric keypad 2. Once you have entered this retirement age, use the numeric keypad 2 and yen key 8 to enter your monthly living expenses after retirement to complete all data entry work, and then follow the program procedure determined based on this data. Perform calculations to calculate the total amount of economic reserves for unexpected situations and the total amount of economic reserves for life after retirement. This calculation result is printed on paper by the printer 17, and a sample of this printout is shown in FIG.

Further, a flowchart of the work procedure in the medical certificate mode is shown in FIG.

Since the present invention is configured as described above, it is possible to calculate and print the life cycle etc. according to each insured person in insurance solicitation, and it is possible to make the insured persons realistically recognize the necessity of insurance. It is possible.

[Brief explanation of drawings]

Fig. 1 is a plan view of a calculator showing an embodiment of the present invention, Fig. 2 is a block diagram showing the configuration of the electrical system of the same, Fig. 3 is a plan view showing an example of printing in life cycle mode, Fig. 4 5 is a plan view showing an example of printing in the medical certificate (11) mode, and FIG. 6 is a flow chart showing the operating procedure in the medical certificate mode. 1...Calculator, 2...Numeric keypad, 3...Data key, 4...Calculation key, 5...Mode key, 6
...Control key, 16...Display device, 17...Printer. Patent applicant: Computer Service Co., Ltd. Representative Patent Attorney Tsuneaki Hibi (12) Figure 1

Claims (1)

[Claims] A plurality of input means for inputting data regarding the insured person, a calculation processing means for calculating the life cycle of the insured person, diagnosis of cost amount, etc. based on preset procedures based on the input data, 1. A calculator for life insurance estimates, comprising: printing means for printing the calculation result in the paper feed direction based on the calculation result from the processing means.