Business assistance system, business assistance method and business assistance program

Abstract

To provide a business assistance system, a business assistance method and a business assistance program which can quickly perform payment of insurance money, with respect to disaster victims who have suffered flood damage.SOLUTION: In a business assistance system, a point group processing device estimates an inundation height of an estimation point which is a position of a building of a non-applicant as a person who has not performed application among the plurality of persons, and identifies the non-applicant in which the estimated inundation height is of a height larger than or equal to a standard height, among the non-applicants. A business assistance device notifies the identified non-applicant.SELECTED DRAWING: Figure 10

Description

[Technical field]

[0001] The present disclosure relates to a technology for supporting insurance procedures and the like for flood damage. [Background technology]

[0002] In areas where rivers burst their banks, many houses and other buildings suffer flood damage. Policyholders who have insured buildings that have suffered flood damage apply for insurance payment to the insurance company. The insurance company checks the contents of the payment application and pays the insurance money. It is desirable to pay insurance money promptly in order to enable people affected by flood damage to quickly rebuild their lives. However, some policyholders do not always apply for insurance payment to the insurance company. If an insurance payment application is not submitted, confirmation of the damage situation will be delayed, which will result in a delay in insurance payment.

[0003] Patent Document 1 describes a method of determining the level of damage to houses from an aerial image, and selecting users to be notified based on the location of houses that have been determined to be totally damaged. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2023-001469 A Summary of the Invention [Problem to be solved by the invention]

[0005] As in Patent Document 1, it is conceivable to send a notice to all insurance policyholders in the affected area. This can encourage them to apply for insurance payment to a certain extent. However, insurance policyholders who think that they are not eligible for insurance payment are likely to ignore the notice sent uniformly. If the notice is ignored and insurance payment application is not made, confirmation of the damage situation will be delayed, and insurance payment will be delayed. The present disclosure aims to enable prompt payment of insurance claims, etc. [Means for solving the problem]

[0006] The business support system according to the present disclosure includes: A flood height estimation unit that estimates the flood height at an estimated point that is the location of a building of a non-applicant who is one of a plurality of people for whom an application has not been filed; A disaster identification unit that identifies non-applicants whose flood height estimated by the flood height estimation unit is equal to or greater than a reference height; a notification unit that notifies the non-applicant identified by the disaster identification unit; Equipped with. Effect of the Invention

[0007] In the present disclosure, flood height is estimated and notified to those who have not yet applied and whose flood height is equal to or greater than a certain threshold. This makes it possible to narrow down notifications to policyholders who are likely to be eligible for insurance payment. This makes it possible to send notifications that strongly encourage people to apply for insurance payment. As a result, applications for insurance payment are encouraged and insurance payments can be made quickly. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a configuration diagram of a task support system 100 according to a first embodiment. [Diagram 2] 1 is a configuration diagram of a task assistance device 10 according to a first embodiment. [Diagram 3] FIG. 1 is a configuration diagram of a point cloud processing device 20 according to a first embodiment. [Figure 4] FIG. 2 is a configuration diagram of the photographing terminal 30 according to the first embodiment. [Diagram 5] 4 is a flowchart of an application process according to the first embodiment. [Figure 6] FIG. 2 is an explanatory diagram of assessment information 231 according to the first embodiment. [Figure 7] FIG. 2 is an explanatory diagram of assessment information 231 according to the first embodiment. [Figure 8] 4 is a flowchart of an approval process according to the first embodiment. [Figure 9] FIG. 2 is an explanatory diagram of assessment information 231 according to the first embodiment. [Figure 10] 4 is a flowchart of a notification process according to the first embodiment. [Figure 11] FIG. 4 is an explanatory diagram of the inundation height estimation process according to the first embodiment. [Figure 12] FIG. 2 is an explanatory diagram of contract information 232 according to the first embodiment. [Figure 13] FIG. 1 is a configuration diagram of a task support system 100 according to a first modified example. [Figure 14] FIG. 11 is a configuration diagram of a point cloud processing device 20 according to a second embodiment. [Figure 15] 11 is a flowchart of a notification process according to the second embodiment. [Figure 16] FIG. 11 is a configuration diagram of a task assistance device 10 according to a third embodiment. [Figure 17] FIG. 11 is a configuration diagram of a point cloud processing device 20 according to a third embodiment. [Figure 18] 13 is a flowchart of an application process according to the third embodiment. [Figure 19] 13 is a flowchart of an approval process according to the third embodiment. [Figure 20] 11 is a flowchart of a notification process according to the third embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Embodiment 1 In the first embodiment, an example of supporting an insurance payment operation will be described. However, the present invention is not limited to the insurance payment operation, and it is also possible to support an issuance operation of a disaster damage certificate, etc. In addition, in the first embodiment, the description will be given on the assumption that the building covered by the insurance is the house in which the policyholder lives. However, the building covered by the insurance is not limited to the house in which the policyholder lives, and may be another building.

[0010] In the following explanation, a policyholder is a person who has insured a building. A target is a policyholder who applies for insurance payment. A non-applicant is a policyholder who has not applied for insurance payment. A person is a general person, not limited to a policyholder, etc.

[0011] ***Configuration Description*** The configuration of a task support system 100 according to the first embodiment will be described with reference to FIG. The business support system 100 includes a business support device 10 and a point cloud processing device 20. The business support device 10 and the point cloud processing device 20 are connected via a network 90. ​​In addition, the business support device 10 and the point cloud processing device 20 are connected to a plurality of photographing terminals 30 via the network 90.

[0012] The configuration of the task assistance device 10 according to the first embodiment will be described with reference to FIG. The task support device 10 is a computer. The task support device 10 includes the following hardware components: a processor 11, a memory 12, a storage 13, and a communication interface 14. The processor 11 is connected to other hardware components via signal lines and controls the other hardware components.

[0013] The business support device 10 includes, as functional components, an application receiving unit 111, a disaster information acquiring unit 112, and a notifying unit 113. The functions of the functional components of the business support device 10 are realized by software. The storage 13 stores programs for implementing the functions of the functional components of the business support device 10. The programs are loaded into the memory 12 by the processor 11 and executed by the processor 11. In this way, the functions of the functional components of the business support device 10 are implemented.

[0014] The configuration of the point cloud processing device 20 according to the first embodiment will be described with reference to FIG. The point cloud processing device 20 is a computer. The point cloud processing device 20 includes the following hardware components: a processor 21, a memory 22, a storage 23, and a communication interface 24. The processor 21 is connected to other hardware components via signal lines and controls the other hardware components.

[0015] The point cloud processing device 20 includes, as functional components, an information processing unit 211, a flood height estimating unit 212, and a damage identification unit 213. The functions of the functional components of the point cloud processing device 20 are realized by software. The storage 23 stores a program that realizes the function of each functional component of the point cloud processing device 20. The program is read into the memory 22 by the processor 21 and executed by the processor 21. In this way, the function of each functional component of the point cloud processing device 20 is realized.

[0016] The storage 23 stores appraisal information 231, contract information 232, and geographic information 233.

[0017] The configuration of the photographing terminal 30 according to the first embodiment will be described with reference to FIG. The photographing terminal 30 is a computer such as a smartphone used by the policyholder. The photographing terminal 30 includes the following hardware components: a processor 31, a memory 32, a storage 33, a communication interface 34, a camera 35, and a positioning device 36. The processor 31 is connected to other hardware components via signal lines and controls the other hardware components.

[0018] The photographing terminal 30 includes, as functional components, a photographing unit 311, a communication unit 312, and a measurement unit 313. The functions of the functional components of the photographing terminal 30 are realized by software. The storage 33 stores a program for realizing the function of each functional component of the photographing terminal 30. The program is loaded into the memory 32 by the processor 31 and executed by the processor 31. In this way, the function of each functional component of the photographing terminal 30 is realized.

[0019] The positioning device 36 works in conjunction with the photographing unit 311 to measure the current position of the photographing terminal 30. A specific example of the positioning device 36 is a GPS. GPS is an abbreviation for Global Positioning System.

[0020] The processors 11, 21, and 31 are ICs that perform processing. IC stands for Integrated Circuit. Specific examples of the processors 11, 21, and 31 are a CPU, a DSP, and a GPU. CPU stands for Central Processing Unit. DSP stands for Digital Signal Processor. GPU stands for Graphics Processing Unit.

[0021] The memories 12, 22, and 32 are storage devices that temporarily store data. Specific examples of the memories 12, 22, and 32 are SRAM and DRAM. SRAM is an abbreviation for Static Random Access Memory. DRAM is an abbreviation for Dynamic Random Access Memory.

[0022] The storages 13, 23, and 33 are storage devices that store data. A specific example of the storages 13, 23, and 33 is a HDD. HDD is an abbreviation for Hard Disk Drive. The storages 13, 23, and 33 may also be portable recording media such as an SD (registered trademark) memory card, CompactFlash (registered trademark), NAND flash, a flexible disk, an optical disk, a compact disk, a Blu-ray (registered trademark) disk, or a DVD. SD is an abbreviation for Secure Digital. DVD is an abbreviation for Digital Versatile Disk.

[0023] The communication interfaces 14, 24, and 34 are interfaces for communicating with external devices. Specific examples of the communication interfaces 14, 24, and 34 are Ethernet (registered trademark), USB, and HDMI (registered trademark) ports. USB is an abbreviation for Universal Serial Bus. HDMI is an abbreviation for High-Definition Multimedia Interface.

[0024] In Fig. 2, only one processor 11 is shown. However, there may be multiple processors 11, and the multiple processors 11 may cooperate to execute programs that realize each function. Similarly, in Figs. 3 and 4, only one processor 21, 31 is shown. However, there may be multiple processors 21, 31, and the multiple processors 21, 31 may cooperate to execute programs that realize each function.

[0025] ***Explanation of Operation*** The operation of the task support system 100 according to the first embodiment will be described with reference to FIGS. The operation procedure of the task support system 100 according to the embodiment 1 corresponds to the task support method according to the embodiment 1. Moreover, the program for realizing the operation of the task support system 100 according to the embodiment 1 corresponds to the task support program according to the embodiment 1.

[0026] The operations of the business support system 100 include application processing, approval processing, and notification processing.

[0027] The application process according to the first embodiment will be described with reference to FIG. The application process is a process in which a target who is one of multiple policyholders who have insured a building applies for insurance payment. In the application process, the flood height is measured at a measurement point, which is the location of the building insured by the target.

[0028] (Step S11: Shooting process) The photographing unit 311 of the photographing terminal 30 photographs the assessment target with the camera 35. Here, the flood height is measured. Therefore, the assessment target is the house and its surrounding area, including the flood line on the wall of the subject's house from the ground level. Specifically, the photographing unit 311 starts a web application program for insurance payment application. Then, the photographing unit 311 photographs the assessment target using the photographing function of the web application program. At this time, the photographing unit 311 photographs the assessment target while shifting the photographing area little by little so that the photographing areas overlap in accordance with the subject's operation, and acquires multiple image data. In the web application program, camera information such as the position of the camera 35 and the photographing date and time at the time when each image data was acquired is linked to the corresponding image data and stored in the memory 32. The position of the camera 35 is the latitude and longitude information of the photographing terminal 30 acquired from the positioning device 36.

[0029] (Step S12: Image transmission process) The communication unit 312 of the photographing terminal 30 transmits the multiple image data acquired in step S11 together with the contractor number, which is an identifier of the subject, to the point cloud processing device 20. At this time, the communication unit 312 also transmits the camera information linked to each image data by linking it to the corresponding image data. At this time, the communication unit 312 accepts input of the policyholder number from the subject. Since the subject knows the policyholder number of the insurance to which he or she has subscribed, the subject can input the policyholder number into the web application program for insurance payment application.

[0030] (Step S13: Point cloud generation process) The information processing unit 211 of the point cloud processing device 20 acquires the contractor number, the plurality of image data, and the camera information linked to each image data transmitted in step S12. The information processing unit 211 generates three-dimensional point cloud data of the appraisal object from the plurality of image data and the camera information linked to each image data. Specifically, the information processing unit 211 generates the three-dimensional point cloud data by SfM technology. SfM is an abbreviation of Structure from Motion. The information processing unit 211 assigns an accident number that serves as an identifier for the insurance payment application. Then, the information processing unit 211 registers the accident number, the acquired policyholder number, and the generated 3D point cloud data in the assessment information 231. In addition, the information processing unit 211 transmits the generated 3D point cloud data to the photographing terminal 30.

[0031] The assessment information 231 according to the first embodiment will be described with reference to FIG. The assessment information 231 includes an accident number, a policyholder number, three-dimensional point cloud data, an assessment result, and a status. The accident number, the policyholder number, and the three-dimensional point cloud data are as described above. The assessment result indicates the flood height. The status indicates the state of the insurance payment application. In step S13, the accident number, the policyholder number, and the three-dimensional point group data are set, such as the accident number "J0001" in Fig. 6. The assessment result is left blank. Also, the status is set to "pending application."

[0032] Here, the three-dimensional point cloud data includes an OBJ file, an MTL file, a texture file, an image file, and a thumbnail file. The OBJ file is a three-dimensional data file indicating the coordinate data of the three-dimensional point cloud, etc. The MTL file is a file in which information required for texture mapping is described. The texture file is image data of the texture to be pasted onto the three-dimensional point cloud indicated by the OBJ file according to the MTL file. The image file is the image data transmitted in step S12. The thumbnail file is data obtained by reducing the image data indicated by the image file.

[0033] (Step S14: Point cloud acquisition process) The communication unit 312 of the photographing terminal 30 acquires the 3D point cloud data transmitted in step S13. The measurement unit 313 displays the 3D point cloud data on a display device and allows the user to specify a flood line. When displaying the 3D point cloud data, the measurement unit 313 pastes texture image data indicated by the texture file onto the 3D point cloud indicated by the OBJ file to display a 3D model that reconstructs the assessed object. The measurement unit 313 then measures the vertical distance from the ground surface to the flood line relative to the horizontal direction as the flood height.

[0034] (Step S15: Measurement result display process) The measurement unit 313 of the photographing terminal 30 displays the result of the measurement in step S14 on the display device.

[0035] (Step S16: Measurement result transmission process) The communication unit 312 of the photographing terminal 30 transmits the result of the measurement in step S14 to the point cloud processing device 20.

[0036] (Step S17: Measurement result registration process) The information processing unit 211 of the point cloud processing device 20 acquires the results transmitted in step S16. The information processing unit 211 registers the acquired results in the assessment information 231. For example, the flood height, which is the measured result, is set as in the accident number "J0001" in Fig. 7. In addition, the status is updated to "application completed." Then, the information processing unit 211 notifies the business support device 10 of the accident number, assuming that the insurance payment application indicated by the accident number assigned in step S13 has been filed by the subject person.

[0037] The approval process according to the first embodiment will be described with reference to FIG. The approval process is a process in which an insurance payment application is submitted and the application is either approved or disapproved.

[0038] (Step S21: Application confirmation process) When the accident number is notified in step S17, the application receiving unit 111 of the business support device 10 receives the insurance payment application. The application receiving unit 111 reads out a record corresponding to the accident number from the assessment information 231 of the point cloud processing device 20.

[0039] (Step S22: Approval decision process) The application acceptance unit 111 of the business support device 10 displays the information of the record read in step S21, and accepts input of approval or disapproval of the insurance payment application. Specifically, the application receiving unit 111 displays the three-dimensional point cloud data in the same manner as in the process of step S14, and allows the person in charge to determine whether the measurement has been performed appropriately. If the measurement has been performed appropriately, approval is input, and if the measurement has not been performed appropriately, disapproval is input. Then, the application receiving unit 111 transmits the input result to the point cloud processing device 20.

[0040] (Step S23: Approval result registration process) The information processing unit 211 of the point cloud processing device 20 acquires the input result transmitted in step S22. The information processing unit 211 registers the input result in the assessment information 231. For example, the input result is set as the accident number "J0001" in Fig. 9. Also, if the status is approved, it is updated to approved, and if it is not approved, it is updated to not approved. If approval is entered, the process for payment of the insurance money will be carried out. On the other hand, if disapproval is entered, the reason for disapproval will be notified to the person concerned, and the insurance payment application will be resubmitted if necessary.

[0041] The notification process according to the first embodiment will be described with reference to FIG. The notification process is a process for notifying policyholders who have not yet applied for insurance payment and who are presumed to have suffered flood damage, and encouraging them to apply for insurance payment.

[0042] (Step S31: Area designation process) The disaster information acquisition unit 112 of the business support device 10 transmits to the point cloud processing device 20 area information indicating a target area for which notification is to be made. Specifically, the damage information acquisition unit 112 causes the user to specify an area where flood damage is estimated to have occurred. The area may be specified by city, ward, town, village, etc., or by drawing a line on a map, etc. The damage information acquisition unit 112 transmits area information indicating the specified area to the point cloud processing device 20.

[0043] (Step S32: Flood height estimation process) The flood height estimation unit 212 of the point cloud processing device 20 acquires the area information transmitted in step S31. The flood height estimation unit 212 estimates the flood height of an estimated point included in the area indicated by the area information, which is the location of a building insured by an unapplicant who is one of multiple policyholders and has not filed an insurance payment claim. Specifically, the flood height estimation unit 212 estimates the flood height of the estimated point using the flood height indicated in the payment application for which approval was input in step S23. As shown in FIG. 11, the flood height is calculated by subtracting the altitude from the height above sea level at the time of flooding. Here, the altitude of each point is indicated in elevation data from the Geospatial Information Authority of Japan, etc., and is stored in the geographic information 233. Therefore, if the flood height in the vicinity of the estimated point is known, the height above sea level at the time of flooding in the vicinity of the estimated point can be known. Then, the height above sea level at the time of flooding of the estimated point can be estimated from the height above sea level at the time of flooding in the vicinity of the estimated point, and the flood height of the estimated point can be estimated.

[0044] First, the flood height estimation unit 212 identifies non-applicants by referring to the assessment information 231 and the contract information 232. As shown in FIG. 12, the contract information 232 includes, for each policyholder, a policyholder number, policyholder name, contact information, building name, and building address. The contact information is, for example, an email address or a telephone number. The building name is information that identifies the building that is the policyholder's home. The building address is information that indicates the location where the building that is the policyholder's home is located. Therefore, the flood height estimation unit 212 can identify non-applicants by identifying policyholders whose building addresses are included in the area indicated by the area information and who have not filed an insurance payment application in the assessment information 231. Furthermore, the flood height estimation unit 212 uses the payment application for which approval has been input in step S23 to identify the flood height at the address of the policyholder for that payment application. The flood height estimation unit 212 can identify the address (building address) of the policyholder for the payment application by referring to the contract information 232. Then, the flood level estimation unit 212 estimates the flood level of the estimated point from the flood level of the nearby estimated point indicated by the address of the non-applicant using statistical methods or an AI model, etc. AI is an abbreviation for Artificial Intelligence. Here, the AI ​​model is a model generated using, for example, a neural network. The AI ​​model is a model that infers the flood level of a specified point using the nearby flood level and elevation data of various surrounding areas as input.

[0045] (Step S33: Disaster identification process) The damage identification unit 213 of the point cloud processing device 20 identifies non-claimants whose building locations are inundated with water at a reference level or higher, based on the inundation level of the estimated location estimated in step S32. For example, the damage identification unit 213 identifies non-claimants whose building locations are inundated with water at a reference level or higher, based on the reference level of 45 cm. "cm" stands for "CentiMetre." It is also possible to identify non-applicants whose building location has a flood height equal to or greater than the reference height based on the flood height above floor level. The flood height above floor level is calculated by subtracting the foundation height of the building from the flood height estimated in step S32. If the foundation height of the non-applicant's building has been identified, the damage identification unit 213 can calculate the flood height above floor level by subtracting the foundation height of the building from the flood height. If the foundation height of the non-applicant's building has not been identified, the damage identification unit 213 estimates the flood height above floor level using the foundation height of a typical building (e.g., 40 cm). The damage identification unit 213 then identifies non-applicants whose flood height above floor level is equal to or greater than the reference height for flood height above floor level. The damage identification unit 213 transmits to the business support device 10, for each identified non-applicant, a pair of the contractor number and the flood height estimated in step S32 for the identified non-applicant.

[0046] (Step S34: Notification process) The notification unit 113 of the business support device 10 notifies the non-applicant identified in step S33. Specifically, the notification unit 113 acquires a pair of the policyholder number and the flood height for the non-applicant sent in step S33. The notification unit 113 acquires the policyholder name and contact information corresponding to the policyholder number by referring to the contract information 232 of the point cloud processing device 20. The notification unit 113 identifies the amount of insurance payment from the flood height. Here, it is assumed that the amount of insurance payment is determined according to the flood height. The notification unit 113 then notifies the acquired contact information that it may be possible to pay the insurance payment based on the identified payment amount as a guide. If the contact information is an email address, the notification unit 113 sends a message by email stating that it may be possible to pay the insurance payment based on the identified payment amount as a guide.

[0047] ***Advantages of the First Embodiment*** As described above, the business support device 10 according to the first embodiment estimates the flood level and notifies those who have not yet applied for insurance whose flood level is equal to or exceeds a reference level. This makes it possible to narrow down the notification to those policyholders who are likely to be eligible for insurance payment. This makes it possible to send notifications that strongly encourage the applicant to apply for insurance payment. As a result, insurance payment applications are encouraged, and insurance payments can be made quickly.

[0048] In particular, the business support device 10 according to the first embodiment can estimate the amount of insurance payment by estimating the flood height for those who have not applied. The business support device 10 then notifies the user that it may be possible to pay insurance based on the estimated payment amount. This makes it possible to send a notification strongly encouraging the user to apply for insurance payment. As a result, the application for insurance payment is promoted, and insurance payments can be made quickly.

[0049] ***Other configurations*** <Variation 1> In the first embodiment, the business support device 10 and the point cloud processing device 20 are configured as separate devices. However, as shown in Fig. 13, the business support device 10 may be configured as a single device by adding the function of the point cloud processing device 20 to the business support device 10 to configure the business support device 10 and the point cloud processing device 20, thereby configuring a business support system 100.

[0050] <Variation 2> In the first embodiment, in step S34 of Fig. 10, the notification unit 113 of the business support device 10 notifies that it may be possible to pay the insurance claim based on the specified payment amount. If certain conditions are met, it may be possible to take measures such as paying the insurance claim through simplified procedures or paying the insurance claim promptly. In step S34, it is also possible to notify the user of this.

[0051] <Modification 3> In the first embodiment, in step S32 of Fig. 10, the flood height estimation unit 212 of the point cloud processing device 20 estimated the flood height of the estimated point using the flood height of a policyholder who has already applied for insurance payment and been approved. However, if there is a point whose flood height has been identified by another method, the flood height estimation unit 212 may estimate the flood height of the estimated point using that flood height. For example, there is a technology that identifies the flood height of various locations from image data obtained by a synthetic aperture radar mounted on a satellite or the like. The flood height estimation unit 212 may estimate the flood height of the estimated location using the flood height identified by this technology. The flood height estimation unit 212 may also estimate the flood height of the estimated location by taking into account the amount of precipitation in a past reference period.

[0052] <Variation 4> In the first embodiment, in step S32 of Fig. 10, the flood level estimation unit 212 of the point cloud processing device 20 estimated the flood level at the estimation point using the flood levels of policyholders who have already applied for insurance payment and been approved. Unless there are a certain number of measured points where flood levels have been measured near the estimation point, the flood level at the estimation point cannot be estimated appropriately. In other words, unless there are a certain number of addresses of policyholders who have already applied for insurance payment and been approved near the estimation point, the flood level at the estimation point cannot be estimated appropriately. 10, the flood height estimation unit 212 may estimate the flood height of the estimated point when there are a limited number of measured points or more within a limited distance based on the estimated point. If there are not a limited number of measured points or more within a limited distance based on the estimated point, the flood height estimation unit 212 may notify the business support device 10 that estimation is not possible. This reduces the possibility of notifications being sent to people who have not applied based on inaccurate flood levels.

[0053] Embodiment 2 The second embodiment differs from the first embodiment in that it calculates the accuracy of the estimated inundation height. In the second embodiment, this difference will be explained, and explanations of the same points will be omitted.

[0054] ***Configuration Description*** The configuration of a point cloud processing device 20 according to the second embodiment will be described with reference to FIG. 3 in that the point cloud processing device 20 includes, as a functional component, an accuracy calculation unit 214. The function of the accuracy calculation unit 214 is realized by software, similar to the other functional components.

[0055] ***Explanation of Operation*** The notification process according to the second embodiment will be described with reference to FIG. The processing from step S41 to step S42 is the same as the processing from step S31 to step S32 in Fig. 10. Moreover, the processing from step S44 is the same as the processing from step S33 in Fig. 10.

[0056] (Step S43: Accuracy calculation process) The accuracy calculation unit 214 of the point cloud processing device 20 calculates the accuracy of the flood height estimated in step S42. Specifically, the accuracy calculation unit 214 calculates the accuracy of the estimated flood level from the number of measured points around the estimated point and the distance from the estimated point to the measured points around the estimated point. The more measured points there are near the estimated point, the higher the accuracy of the estimated flood level. The accuracy calculation unit 214 may also calculate the accuracy by comparing the estimated flood level with a flood level estimated by another method. The other method is a method based on image data obtained by a synthetic aperture radar, etc. The closer the estimated flood level is to a flood level estimated by another method, the higher the accuracy of the estimated flood level.

[0057] (Step S45: Notification process) The notification unit 113 of the business support device 10 notifies the notification contents according to the accuracy calculated in step S43. For example, when the accuracy is equal to or higher than a standard, the notification unit 113 notifies the user that the insurance payment will be made, and when the accuracy is below the standard, notifies the user that the insurance payment may be made.

[0058] ***Effects of the second embodiment*** As described above, the business support system 100 according to the second embodiment calculates the accuracy of the estimated flood height. Then, the business support system 100 notifies the notification contents according to the accuracy. In this way, when the accuracy is high, it is possible to send a notification that more strongly urges the user to apply for insurance payment.

[0059] Embodiment 3 The third embodiment differs from the first embodiment in that some of the information stored in the storage 23 of the point cloud processing device 20 in the first embodiment is stored in the business support device 10. In the third embodiment, this difference will be described, and the description of the same points will be omitted.

[0060] In the first embodiment, the business support device 10 and the point cloud processing device 20 are configured as separate devices. In the first modification, the business support device 10 may be configured as a single device by adding the function of the point cloud processing device 20 to the business support device 10 to configure the business support system 100. In the configurations of the first embodiment and the first modification, since sensitive information such as assessment information 231 is stored in the storage 23 of the point cloud processing device 20, it is assumed that the point cloud processing device 20 is owned by an insurance company. However, it is also possible to consider a configuration in which the point cloud processing device 20 is owned by a party other than the insurance company and provides information on flood height to the insurance company.

[0061] ***Configuration Description*** In the third embodiment, the business support device 10 is owned by an insurance company, and the point cloud processing device 20 provides the business support device 10 with information on flood height. The configuration of the business support system 100 is the same as that of FIG. 1, and the configuration of the photographing terminal 30 is the same as that of FIG. 4. The configurations of the business support device 10 and the point cloud processing device 20 according to the third embodiment will be described with reference to FIG. 16 and FIG. 17. As shown in FIG. 16, assessment information 131 and contract information 132 are stored in the storage 13 of the business support device 10. The assessment information 131 and the contract information 132 are the same as the assessment information 231 and the contract information 232 described in the first embodiment. On the other hand, as shown in FIG. 17, the assessment information 231 and the contract information 232 are not stored in the storage 13 of the point cloud processing device 20. In addition, the point cloud processing device 20 does not include a damage identification unit 213 as a functional component.

[0062] ***Explanation of Operation*** The operations of the application process, approval process, and notification process of the task support system 100 according to the third embodiment will be described with reference to FIGS. The application process according to the third embodiment will be described with reference to Fig. 18. The process of step S51 is the same as the process of step S11 in Fig. 5. Moreover, the processes from step S56 to step S57 are the same as the processes from step S14 to step S15 in Fig. 5.

[0063] (Step S52: Image transmission process) The communication unit 312 of the photographing terminal 30 transmits the multiple image data acquired in step S51 together with the contractor number, which is the identifier of the subject, to the business support device 10. At this time, the communication unit 312 also transmits the camera information linked to each image data by linking it to the corresponding image data.

[0064] (Step S53: Point cloud request processing) The application receiving unit 111 of the business support device 10 receives the application from the photographing terminal 30, transmits the image data and the camera information associated with each image data among the received information to the point cloud processing device 20, and requests the generation of 3D point cloud data. The subscriber number received in step S52 is temporarily stored in the memory 12.

[0065] (Step S54: Point cloud generation process) The information processing unit 211 of the point cloud processing device 20 acquires the multiple image data transmitted in step S53 and the camera information linked to each image data. The information processing unit 211 generates 3D point cloud data of the assessment object from the multiple image data and the camera information linked to each image data. The information processing unit 211 transmits the generated 3D point cloud data to the business support device 10.

[0066] (Step S55: Assessment information registration process) The application receiving unit 111 of the business support device 10 assigns an accident number that serves as an identifier for the insurance payment application. Then, the information processing unit 211 registers the accident number, the policyholder number stored in the memory 12, and the acquired 3D point cloud data in the assessment information 131. The application receiving unit 111 also transmits the generated 3D point cloud data to the photographing terminal 30. The accident number, the contractor number, and the 3D point cloud data are set, such as the accident number "J0001" in Figure 6. The assessment result is left blank. The status is set to "pending application."

[0067] (Step S58: Measurement result transmission process) The communication unit 312 of the photographing terminal 30 transmits the result of the measurement in step S56 to the business support device 10.

[0068] (Step S59: Measurement result registration process) The application receiving unit 111 of the business support device 10 acquires the results sent in step S58. The information processing unit 211 registers the acquired results in the assessment information 131. For example, the flood height, which is the measured result, is set as in the accident number "J0001" in Fig. 7. In addition, the status is updated to "application completed."

[0069] The approval process according to the third embodiment will be described with reference to FIG. (Step S61: Application confirmation process) When a new case number with a status of "Applied" is stored in the assessment information 131 based on the application acceptance from the subject in step S59, the application acceptance unit 111 of the business support device 10 reads out a record corresponding to the accident number. This application confirmation process may be configured to be processed each time a record with a new case number is added to the assessment information 231, or may be configured to process records with a status of "Applied" collectively at a predetermined time.

[0070] (Step S62: Approval decision process) The application acceptance unit 111 of the business support device 10 displays the information of the record read in step S61, and accepts input of approval or disapproval of the insurance payment application. Specifically, the application receiving unit 111 displays the 3D point cloud data in the same manner as in the process of step S56, and allows the person in charge to determine whether the measurements have been performed appropriately. If the measurements have been performed appropriately, approval is input, and if the measurements have not been performed appropriately, disapproval is input.

[0071] (Step S63: Approval result registration process) The application receiving unit 111 of the business support device 10 registers the input result in the assessment information 131. For example, the input result is set as the accident number "J0001" in Fig. 9. Also, if the status is approved, it is updated to approved, and if it is not approved, it is updated to not approved. If approval is entered, the process for payment of the insurance money will be carried out. On the other hand, if disapproval is entered, the reason for disapproval will be notified to the person concerned, and the insurance payment application will be resubmitted if necessary.

[0072] The notification process according to the third embodiment will be described with reference to FIG. The process in step S74 is the same as step S34 in FIG.

[0073] (Step S71: Area designation process) The disaster information acquisition unit 112 of the business support device 10 transmits to the point cloud processing device 20 area information indicating a target area for which notification is to be made. Specifically, the damage information acquisition unit 112 causes the user to specify an area where flood damage is estimated to have occurred. The area may be specified by city, ward, town, village, etc., or by drawing a line on a map, etc. The damage information acquisition unit 112 transmits area information indicating the specified area to the point cloud processing device 20. Additionally, the damage information acquisition unit 112 refers to the assessment information 131 and the contract information 232 and transmits the address for which approval has been entered in the area information and the flood height.

[0074] (Step S72: Flood height estimation process) The flood level estimation unit 212 of the point cloud processing device 20 acquires the area information transmitted in step S71, the approved address, and its flood level. The flood level estimation unit 212 estimates the flood level of an estimated point included in the area indicated by the area information. The method of estimating the flood height is as explained in step S32 in the first embodiment, but in step S72, the flood height of the acquired regional information is estimated without omission. Estimating without omission means dividing the area specified in the regional information at equal intervals and estimating the flood height for each divided area. The interval at which the area is divided can be set arbitrarily based on information such as the size of the regional information or the assessed extent of the flood damage. This estimates the flood height of each point, including the locations of buildings of non-applicants in the area indicated by the regional information. The flood height estimation unit 212 of the point cloud processing device 20 transmits the estimated flood height to the business support device 10.

[0075] (Step S73: Disaster identification process) The damage information acquisition unit 112 of the business support device 10 identifies non-claimants whose buildings have flood heights equal to or higher than the reference height based on the flood heights of the estimated points estimated in step S72. The method of identifying non-claimants is as described in step S32 in the first embodiment. In step S72, the business support device 10 transmits the address of the building for which the application was approved and the flood height information corresponding to that building address to the point cloud processing device 20. However, if only information that identifies the target contract is transmitted, it can be said that there is no problem in terms of handling personal information.

[0076] ***Effects of the Third Embodiment*** As described above, the business support system 100 according to the third embodiment is configured such that the point cloud processing device 20 provides flood height information to the business support device 10 owned by an insurance company. Applications from the photographing terminal 30 are accepted by the business support device 10, and sensitive information is held by the business support device 10. Therefore, it is also possible to configure the point cloud processing device 20 to provide flood height estimation information to multiple business support devices 10 owned by multiple insurance companies.

[0077] <Variation 5> In the above embodiment, an example of supporting insurance payment operations has been described. In addition to insurance payment operations, the business support device 10 can also support the issuance of disaster certificates in the same way. That is, in the above embodiment, the business support device 10 notified non-applicants who have not applied for insurance payment despite having suffered flood damage. However, the business support device 10 can also notify non-applicants who have not applied for issuance of disaster certificates despite having suffered flood damage. When supporting the issuance of disaster certificates, the terms relating to insurance payment procedures in the above embodiments are replaced with terms relating to the issuance of disaster certificates. For example, an application for insurance payment is replaced with an application for issuance of a disaster certificate. An insurance policyholder is replaced with a resident. An insurance company is replaced with a government office, etc. Contract information is replaced with resident information. A policyholder number is replaced with a resident number, etc.

[0078] Assume that the configuration of the third embodiment is used to support the issuance of disaster damage certificates. In this case, the point cloud processing device 20 can be configured to provide flood height estimate information not only in response to a request from the business support device 10, but also in response to a supply from a device owned by a government office such as a city, town, or village office for issuing disaster damage certificates, for example.

[0079] <Variation 6> In the above embodiments, each functional component is realized by software. However, as a sixth modification, each functional component may be realized by hardware. The following describes the sixth modification, focusing on the differences from the first embodiment.

[0080] When each functional component is realized by hardware, the task support device 10 includes an electronic circuit instead of the processor 11, the memory 12, and the storage 13. The electronic circuit is a dedicated circuit for realizing the functions of each functional component, the memory 12, and the storage 13.

[0081] Similarly, when each functional component is realized by hardware, the point cloud processing device 20 includes an electronic circuit instead of the processor 21, the memory 22, and the storage 23. The electronic circuit is a dedicated circuit for realizing the functions of each functional component, the memory 22, and the storage 23.

[0082] Similarly, when each functional component is realized by hardware, the photographing terminal 30 includes an electronic circuit instead of the processor 31, the memory 32, and the storage 33. The electronic circuit is a dedicated circuit for realizing the functions of each functional component, the memory 32, and the storage 33.

[0083] The electronic circuits include single circuits, composite circuits, programmed processors, parallel programmed processors, logic ICs, GAs, ASICs, and FPGAs. GA stands for Gate Array. ASIC stands for Application Specific Integrated Circuit. FPGA stands for Field-Programmable Gate Array. Each functional component may be realized by one electronic circuit, or each functional component may be realized by distributing it among a plurality of electronic circuits.

[0084] <Variation 7> As a seventh modification, some of the functional components may be realized by hardware, and other functional components may be realized by software.

[0085] The processor 11, the memory 12, the storage 13, and the electronic circuitry are collectively referred to as a processing circuit. In other words, the functions of the functional components are realized by the processing circuit.

[0086] Furthermore, the term "part" in the above description may be read as a "circuit," "step," "procedure," "processing," or "processing circuit."

[0087] Various aspects of the present disclosure are summarized below as appendices. (Appendix 1) A flood height estimation unit that estimates the flood height of an estimated point including the location of a building of a non-applicant who is a person among a plurality of people who has not applied for coverage; a disaster identification unit that identifies non-applicants whose buildings are located at a flood level equal to or higher than a reference level based on the flood level at the estimated point estimated by the flood level estimation unit; a notification unit that notifies the non-applicant identified by the disaster identification unit; A business support system equipped with: (Appendix 2) The business support system further comprises: an application receiving unit that receives the application from a target person who is any one of the plurality of people, the application indicating the flood height at a measured point that is the location of a building of the target person; Equipped with The flood height estimation unit estimates the flood height of the estimation point using the flood height indicated in the application accepted by the application acceptance unit. Attachment 1 describes a business support system. (Appendix 3) The application receiving unit receives an input of approval or disapproval of the application, The flood height estimation unit estimates the flood height at the estimation point using the flood height indicated in the application for which approval has been input. Attachment 2: A business support system. (Appendix 4) The flood height estimation unit estimates the flood height of the estimation point from the flood height at the measured point, the elevation of the measured point, and the elevation of the estimation point. 4. The business support system according to claim 2 or 3. (Appendix 5) The flood height estimation unit estimates the flood height at the estimation point using image data obtained by a synthetic aperture radar. Attachment 4: A business support system. (Appendix 6) The flood height estimation unit estimates the flood height of the estimation point when a limited number of measured points or more are present within a limited distance from the estimation point. 6. The business support system according to any one of appendix 1 to 5. (Appendix 7) The business support system further comprises: an accuracy calculation unit that calculates the accuracy of the flood height estimated by the flood height estimation unit based on the number of measured points existing around the estimated point and the distance from the estimated point to the measured points existing around the estimated point; Equipped with The notification unit notifies a notification content according to the accuracy calculated by the accuracy calculation unit. 7. The business support system according to any one of appendix 1 to 6. (Appendix 8) The business support system supports insurance payment operations, The notification unit issues a notification that insurance payment will be made if the accuracy is equal to or greater than a standard, and issues a notification that insurance payment is possible if the accuracy is below the standard. 7. A business support system as described in appendix 7. (Appendix 9) The computer estimates the flood height of an estimated point including the location of a building of a non-applicant who is a person among the plurality of persons who has not applied for insurance payment, The computer identifies non-applicants whose buildings are located at a flood level equal to or higher than a reference flood level based on the estimated flood level at the estimated location, A business support method in which a computer notifies the identified non-applicant. (Appendix 10) A flood height estimation process for estimating the flood height of an estimated point including the location of a building of a non-applicant who is one of a plurality of people for whom an application has not been filed; a disaster identification process for identifying non-applicants whose buildings are located at a flood level equal to or higher than a reference level based on the flood level at the estimated point estimated by the flood level estimation process; A notification process for notifying the non-applicant identified by the disaster identification process; A business support program that enables a computer to function as a business support system that performs the following:

[0088] The above describes the embodiments and modifications of the present disclosure. Some of these embodiments and modifications may be combined and implemented. Also, one or some of them may be partially implemented. Note that the present disclosure is not limited to the above embodiments and modifications, and various modifications are possible as necessary. [Explanation of symbols]

[0089] 100 Business support system, 10 Business support device, 11 Processor, 12 Memory, 13 Storage, 14 Communication interface, 111 Application reception unit, 112 Disaster information acquisition unit, 113 Notification unit, 20 Point cloud processing device, 21 Processor, 22 Memory, 23 Storage, 24 Communication interface, 211 Information processing unit, 212 Flood height estimation unit, 213 Disaster identification unit, 214 Accuracy calculation unit, 231 Assessment information, 232 Contract information, 233 Geographic information, 30 Photographing terminal, 31 Processor, 32 Memory, 33 Storage, 34 Communication interface, 35 Camera, 311 Photographing unit, 312 Communication unit, 313 Measurement unit, 90 Network.

Claims

1. A flood height estimation unit that estimates the flood height of an estimated point including the location of a building of a non-applicant who is a person among a plurality of people who has not applied for coverage; a disaster identification unit that identifies non-applicants whose buildings are located at a flood level equal to or higher than a reference level based on the flood level at the estimated point estimated by the flood level estimation unit; a notification unit that notifies the non-applicant identified by the disaster identification unit; A business support system equipped with:

2. The business support system further comprises: an application receiving unit that receives the application from a target person who is any one of the plurality of people, the application indicating the flood height at a measured point that is the location of a building of the target person; Equipped with The flood height estimation unit estimates the flood height of the estimation point using the flood height indicated in the application accepted by the application acceptance unit. The business support system according to claim 1 .

3. The application receiving unit receives an input of approval or disapproval of the application, The flood height estimation unit estimates the flood height at the estimation point using the flood height indicated in the application for which approval has been input. The business support system according to claim 2 .

4. The flood height estimation unit estimates the flood height of the estimation point from the flood height at the measured point, the elevation of the measured point, and the elevation of the estimation point. The business support system according to claim 2 or 3.

5. The flood height estimation unit estimates the flood height at the estimation point using image data obtained by a synthetic aperture radar. The business support system according to claim 4.

6. The flood height estimation unit estimates the flood height of the estimation point when a limited number of measured points or more are present within a limited distance from the estimation point. The business support system according to claim 1 .

7. The business support system further comprises: an accuracy calculation unit that calculates the accuracy of the flood height estimated by the flood height estimation unit based on the number of measured points existing around the estimated point and the distance from the estimated point to the measured points existing around the estimated point; Equipped with The notification unit notifies a notification content according to the accuracy calculated by the accuracy calculation unit. The business support system according to claim 1 .

8. The business support system supports insurance payment operations, The notification unit issues a notification that insurance payment will be made if the accuracy is equal to or greater than a standard, and issues a notification that insurance payment is possible if the accuracy is below the standard. The business support system according to claim 7.

9. The computer estimates the flood height of an estimated point including the location of a building of a non-applicant who is a person among a plurality of people who has not applied for a residence permit; The computer identifies non-applicants whose buildings are located at a flood level equal to or higher than a reference flood level based on the estimated flood level at the estimated location, A business support method in which a computer notifies the identified non-applicant.

10. A flood height estimation process for estimating the flood height of an estimated point including the location of a building of a non-applicant who is one of a plurality of people for whom an application has not been filed; a disaster identification process for identifying non-applicants whose building locations are at or above a standard flood level based on the flood level at the estimated location estimated by the flood level estimation process; A notification process for notifying the non-applicant identified by the disaster identification process; A business support program that enables a computer to function as a business support system that performs the following:

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