Information processing device, information processing method and program

Abstract

To provide an information processing device capable of reducing time and labor for repairing a property when a lessee moves out the property.SOLUTION: An information processing device 1 includes a receiving unit 131 for receiving image data generated by a lessee capturing an image of damaged portions in a property rented from a lessor, an insurance payment determination unit 133 for determining whether or not payment conditions for paying an insurance benefit of an insurance for damage to the property, the insurance being contracted with the lessee, are satisfied on the basis of the image data received by the receiving unit, and an output unit 135 for outputting information representing that the insurance benefit is to be paid on the condition that the insurance payment determination unit determines that the payment conditions are satisfied.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to an information processing apparatus, an information processing method, and a program for processing information related to insurance against damage to a property.

Background Art

[0002] Patent Document 1 discloses a system that calculates the proportion borne by a lessee (debtor) among the costs for restoration to the original state based on image data captured inside a property such as a house and the period of residence.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] A lessee of a property is required to repair the property when vacating. Even if the lessee has subscribed to insurance against damage to the property, it may be difficult to determine whether to use the insurance, or it may be troublesome to use the insurance, resulting in the lessee not claiming insurance benefits in some cases. This causes troubles regarding the burden of repair costs between the lessee and the lessor, and may involve a great deal of trouble for both the lessee and the lessor.

[0005] Therefore, the present invention has been made in view of these points, and an object thereof is to reduce the trouble related to the repair of a property when a lessee vacates the property.

Means for Solving the Problems

[0006] The information processing apparatus according to the first aspect of the present invention includes a receiving unit that receives image data generated by imaging a damaged part of a property rented by a lessee from a lessor, and based on the image data received by the receiving unit, determines whether payment conditions for insurance money of insurance that the lessee has contracted and that covers damage to the property are satisfied. An insurance payment determination unit, and an output unit that outputs information indicating payment of the insurance money on the condition that the insurance payment determination unit determines that the payment conditions are satisfied.

[0007] The insurance payment determination unit may determine whether the payment conditions are satisfied by inputting the image data into a machine learning model generated by learning teacher image data generated by imaging a predetermined location and correct data indicating whether the location satisfies the payment conditions.

[0008] The receiving unit receives text data indicating a damage reason for damage to the location designated by the lessee or the lessor, and the insurance payment determination unit may determine whether the payment conditions are satisfied based on the image data and the text data.

[0009] Before the insurance payment determination unit determines whether the payment conditions are satisfied, the information processing apparatus further includes a burden subject determination unit that determines a burden subject that bears repair costs for repairing the location among the lessee and the lessor based on the image data. The insurance payment determination unit may determine whether the payment conditions are satisfied based on the image data on the condition that the burden subject determination unit determines that the lessee is the burden subject.

[0010] The information processing apparatus may further include an amount determination unit that determines the repair costs borne by the lessee on the condition that the burden subject determination unit determines that the lessee is the burden subject and the insurance payment determination unit determines that the payment conditions are not satisfied.

[0011] The amount determination unit may determine the insurance benefit according to a criterion different from the criterion for determining the repair cost, on the condition that the burden subject determination unit determines that the lessee is the burden subject and the insurance benefit payment determination unit determines that the payment conditions are satisfied.

[0012] The amount determination unit may determine the repair cost borne by the lessee based on the image data and the performance data indicating the insurance benefits paid in the past for the insurance.

[0013] The information processing method according to the second aspect of the present invention includes a step of receiving, by a processor, image data generated by imaging a damaged part of a property leased by a lessee from a lessor, a step of determining, based on the image data received in the receiving step, whether payment conditions for paying an insurance benefit for insurance that the lessee has contracted for damage to the property are satisfied, and a step of outputting information indicating that the insurance benefit is to be paid on the condition that it is determined in the determining step that the payment conditions are satisfied.

[0014] The program according to the third aspect of the present invention causes a processor to execute a step of receiving image data generated by imaging a damaged part of a property leased by a lessee from a lessor, a step of determining, based on the image data received in the receiving step, whether payment conditions for paying an insurance benefit for insurance that the lessee has contracted for damage to the property are satisfied, and a step of outputting information indicating that the insurance benefit is to be paid on the condition that it is determined in the determining step that the payment conditions are satisfied.

Advantages of the Invention

[0015] According to the present invention, there is an effect that the trouble related to the repair of the property when the lessee vacates the property can be reduced.

Brief Description of the Drawings

[0016]

Figure 1

Figure 2

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Figure 9

Mode for Carrying Out the Invention

[0017] FIG. 1 is a schematic diagram of an information processing system S according to the present embodiment. The information processing system S includes an information processing apparatus 1, a lessee terminal 2, and a lessor terminal 3. The information processing system S may include other terminals, devices, etc.

[0018] The information processing apparatus 1 is a computer that determines a burden subject for repair costs and the availability of insurance payment based on image data obtained by imaging damaged parts in a property. The information processing apparatus 1 is a single apparatus or a plurality of apparatuses. Further, the information processing apparatus 1 may be one or more virtual servers operating on a cloud that is a collection of computer resources.

[0019] The lessee terminal 2 is a computer used by the lessee. The lessor terminal 3 is a computer used by the lessor. The lessee is a person or organization that has borrowed a property from the lessor. The lessor is a person or organization that has lent out a property to the lessee. The lessee and the lessor have entered into a lease contract for a property such as a house. For example, in the lease contract, the lessee is stipulated to restore the property to its original state by repairing the property when vacating the property (such as when terminating the lease contract).

[0020] The lessee has entered into an insurance contract for damage to the property with a predetermined business operator. The insurance is, for example, tenant liability insurance. Subject to the payment conditions stipulated in the insurance contract being met, insurance money for damage to the property is paid to the lessee, the lessor, or the business operator who repairs the property.

[0021] The lessee terminal 2 and the lessor terminal 3 are information terminals such as smartphones, tablet terminals, and personal computers. The lessee terminal 2 and the lessor terminal 3 have a display unit such as a liquid crystal display for displaying information, an operation unit such as a touch panel for receiving operations, and an imaging unit for generating image data by imaging a subject. The lessee terminal 2 and the lessor terminal 3 transmit and receive information to and from the information processing apparatus 1 through communication.

[0022] The outline of the processing executed by the information processing system S according to the present embodiment will be described below. The information processing apparatus 1 receives image data generated by imaging a damaged part of the property from the lessee terminal 2 or the lessor terminal 3. Based on the received image data, the information processing apparatus 1 determines whether the payment conditions for paying insurance money for damage to the property are met. The information processing apparatus 1 outputs information indicating that the insurance money is to be paid on the condition that it is determined that the payment conditions are met.

[0023] With such a configuration, the information processing system S automatically determines whether insurance money can be paid for the damage to the property based on the image data of the damaged part of the property. As a result, the information processing system S enables the lessee to easily use insurance without having to understand in detail the insurance conditions for property damage, thereby suppressing troubles that may occur between the lessee and the lessor, and reducing the labor involved in repairing the property when the lessee vacates the property.

[0024] [Configuration of Information Processing System S] FIG. 2 is a block diagram of the information processing system S according to the present embodiment. In FIG. 2, the arrows indicate the main data flows, and there may be data flows other than those shown in FIG. 2. In FIG. 2, each block represents a configuration in terms of functional units, not in terms of hardware (devices). Therefore, the blocks shown in FIG. 2 may be implemented within a single device, or may be divided and implemented in a plurality of devices. The exchange of data between the blocks may be performed via any means such as a data bus, a network, a portable storage medium, etc.

[0025] The information processing apparatus 1 includes a communication unit 11, a storage unit 12, and a control unit 13. The information processing apparatus 1 may be configured by connecting two or more physically separated devices wired or wirelessly. Also, the information processing apparatus 1 may be configured by a cloud which is a collection of computer resources.

[0026] The communication unit 11 has a communication controller for transmitting and receiving data to and from the lessee terminal 2 and the lessor terminal 3 via a network. The communication unit 11 notifies the control unit 13 of the data received from the lessee terminal 2 and the lessor terminal 3 via the network. Also, the communication unit 11 transmits the data output from the control unit 13 to the lessee terminal 2 and the lessor terminal 3 via the network.

[0027] The storage unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk drive, etc. The storage unit 12 stores in advance the programs executed by the control unit 13. The storage unit 12 may be provided outside the information processing apparatus 1, and in that case, data may be exchanged with the control unit 13 via a network.

[0028] The control unit 13 includes a receiving unit 131, a burden subject determination unit 132, an insurance payment determination unit 133, an amount determination unit 134, and an output unit 135. The control unit 13 is a processor such as a CPU (Central Processing Unit), for example, and functions as the receiving unit 131, the burden subject determination unit 132, the insurance payment determination unit 133, the amount determination unit 134, and the output unit 135 by executing the programs stored in the storage unit 12.

[0029] Hereinafter, the processes executed by the information processing system S will be described in detail. FIG. 3 is a schematic diagram for explaining the damaged parts to be repaired in the property. The lessee uses the lessee terminal 2 to image the damaged parts in the property, or the lessor uses the lessor terminal 3 to image the damaged parts in the property. The damaged parts are, for example, the parts where holes are opened, the parts where depressions occur, the parts where scratches are made, etc. in the walls, floors, ceilings, facilities, etc. of the property.

[0030] Also, the lessee designates the reason for the damage of the damaged part using the lessee terminal 2, or the lessor designates the reason for the damage of the damaged part using the lessor terminal 3. The lessee terminal 2 or the lessor terminal 3 receives, for example, the input of a character string indicating the reason for the damage, or receives any selection from a plurality of preset options for the reason for the damage.

[0031] The lessee terminal 2 or the lessor terminal 3 transmits to the information processing apparatus 1 the image data generated by imaging the damaged part and the text data indicating the reason for the damage specified by the lessee or the lessor. In the information processing apparatus 1, the receiving unit 131 receives the image data of the damaged part and the text data of the reason for the damage from the lessee terminal 2 or the lessor terminal 3.

[0032] Before the insurance payment determination unit 133 described later determines whether the insurance payment conditions are satisfied, the burden subject determination unit 132 determines the burden subject who bears the repair cost for repairing the damaged part among the lessee and the lessor based on the image data and the text data received by the receiving unit 131.

[0033] FIG. 4 is a schematic diagram for explaining the method by which the burden subject determination unit 132 determines the burden subject. The burden subject determination unit 132 includes, for example, a first machine learning model for determining the burden subject. The first machine learning model is a model that outputs information indicating which of the lessee and the lessor is the burden subject when, for example, the sharing data indicating the sharing of repairs for each type of damage, the image data of the damaged part, and the text data of the reason for the damage are input, and is represented by mathematical formulas and parameters.

[0034] The sharing data is, for example, data indicating a repair sharing table defined in the lease contract of the property concluded between the lessee and the lessor, and is stored in advance in the storage unit 12. The repair sharing table is, for example, information associating the type of damage (such as discoloration of the wall, scratches on the wall, etc.) with which of the lessee and the lessor bears the repair cost of that type of damage.

[0035] The first machine learning model is pre-generated by performing known machine learning processes such as a Deep Neural Network (DNN) using shared data, teacher image data generated by imaging known damaged locations, teacher text data indicating the reasons for the damage at the damaged locations, and correct answer data indicating which of the lessee and the lessor bears the repair cost for the damaged location as teacher data, and is stored in the storage unit 12.

[0036] The first machine learning model may be a model that outputs information indicating which of the lessee and the lessor is the burden-bearing entity when the shared data and the image data of the damaged location are input without inputting the text data of the reason for the damage.

[0037] The burden-bearing entity determination unit 132 inputs the shared data pre-stored in the storage unit 12, the image data and the text data received by the reception unit 131 into the first machine learning model, and determines the lessee or the lessor indicated by the information output by the first machine learning model as the burden-bearing entity. As a result, the information processing system S can automatically determine the burden-bearing entity for the repair cost, so that the labor of the lessee and the lessor to communicate to determine the burden-bearing entity can be reduced.

[0038] On the condition that the burden-bearing entity determination unit 132 determines that the lessee is the burden-bearing entity, the insurance payment determination unit 133 determines whether the payment conditions for paying the insurance money of the insurance contracted by the lessee for the damage of the property are satisfied based on the image data and the text data received by the reception unit 131. On the other hand, when the burden-bearing entity determination unit 132 determines that the lessor is the burden-bearing entity, the insurance payment determination unit 133 does not determine whether the payment conditions are satisfied.

[0039] FIG. 5 is a schematic diagram for explaining a method for the insurance payment determination unit 133 to determine whether the insurance payment conditions are satisfied. The insurance payment determination unit 133 includes, for example, a second machine learning model for determining the payment conditions. The second machine learning model is a model that outputs information indicating whether the insurance payment conditions are satisfied when, for example, image data of the damaged part and text data of the reason for the damage are input, and is represented by a mathematical formula and parameters.

[0040] The second machine learning model is pre-generated by performing known machine learning processing such as DNN using, as teacher data, teacher image data generated by imaging known damaged parts, teacher text data indicating the reason for the damage of the damaged part, and correct answer data indicating whether the damaged part satisfies the insurance payment conditions, and is stored in the storage unit 12.

[0041] The second machine learning model may be a model that outputs information indicating whether the insurance payment conditions are satisfied when image data of the damaged part is input without inputting text data of the reason for the damage.

[0042] The insurance payment determination unit 133 inputs the image data and text data received by the reception unit 131 into the second machine learning model, and determines whether the insurance payment conditions indicated by the information output by the second machine learning model are satisfied as the determination result of the payment conditions. As a result, the information processing system S can automatically determine whether the insurance payment conditions are satisfied, so that the lessee can be relieved of the trouble of checking the insurance payment conditions.

[0043] On the condition that the burden subject determination unit 132 determines that the lessee is the burden subject and the insurance payment determination unit 133 determines that the payment conditions are not satisfied, the amount determination unit 134 determines the repair cost borne by the lessee for repairing the damaged part.

[0044] FIG. 6 is a schematic diagram for explaining a method by which the amount determination unit 134 determines the repair cost. The amount determination unit 134 includes, for example, a third machine learning model for determining the repair cost. The third machine learning model is a model that outputs information indicating the amount of the repair cost borne by the lessee to repair the damaged part when, for example, calculation reference data used as a reference for calculating the repair cost and image data of the damaged part are input, and is represented by a mathematical formula and parameters.

[0045] The calculation reference data is, for example, data indicating the unit price of repair work and the unit of repair target defined in the lease contract of the property concluded between the lessee and the lessor, and is stored in advance in the storage unit 12. The unit price of repair work is, for example, information associating the type of damaged part and the unit price (such as the amount per unit number or unit area) for repairing the damaged part of the type. The unit of repair target is, for example, information associating the type of damaged part and the unit (such as one tatami mat, one square meter of wall, etc.) for repairing the damaged part of the type.

[0046] The third machine learning model is generated in advance by executing known machine learning processing such as DNN using the calculation reference data, teacher image data generated by imaging known damaged parts, and correct answer data indicating the amount of the repair cost of the damaged parts as teacher data, and is stored in the storage unit 12.

[0047] The amount determination unit 134 inputs the calculation reference data stored in advance in the storage unit 12 and the image data received by the reception unit 131 into the third machine learning model, and determines the amount indicated by the information output by the third machine learning model as the repair cost. The amount determination unit 134 is not limited to the specific method shown here, and the repair cost may be calculated by other methods. Thereby, since the information processing system S can automatically determine the repair cost, the labor of the lessee and the lessor to communicate to determine the repair cost can be reduced.

[0048] On the condition that the burden determination unit 132 determines that the lessee is the burden bearer and the insurance payment determination unit 133 determines that the payment conditions are met, the amount determination unit 134 may determine the insurance payment for the insurance against damage to the property.

[0049] In this case, the amount determination unit 134 determines the insurance payment according to a criterion different from the criterion for determining the repair cost. For example, the amount determination unit 134 inputs the calculation criterion data stored in advance in the storage unit 12 and the image data received by the reception unit 131 into the above-mentioned third machine learning model, and adds or subtracts a predetermined cost (such as negotiation cost, litigation cost, etc.) to the amount indicated by the information output by the third machine learning model to calculate the insurance payment. The amount determination unit 134 is not limited to the specific method shown here, and may calculate the insurance payment by other methods. Thereby, since the information processing system S can automatically determine the insurance payment, it is possible to reduce the labor of the lessee and the business operator providing the insurance to communicate with each other to determine the insurance payment.

[0050] The output unit 135 outputs at least a part of the information determined by the burden determination unit 132, the insurance payment determination unit 133, and the amount determination unit 134. FIG. 7 is a schematic diagram for explaining the information output by the output unit 135. In the example of FIG. 7, the lessee terminal 2 displays the information output by the output unit 135, but the lessor terminal 3 may also display the information output by the output unit 135.

[0051] The output unit 135 outputs, for example, information indicating the burden bearer (lessee or lessor) determined by the burden determination unit 132. The output unit 135 outputs, for example, information indicating that the insurance payment will be made on the condition that the insurance payment determination unit 133 determines that the payment conditions are met, and may also output information indicating that the insurance payment will not be made on the condition that the insurance payment determination unit 133 determines that the payment conditions are not met.

[0052] The output unit 135 may output information indicating the repair cost determined by the amount determination unit 134 on the condition that the burden subject determination unit 132 determines that the lessee is the burden subject and the insurance payment determination unit 133 determines that the payment conditions are not satisfied. The output unit 135 may output information indicating the insurance money determined by the amount determination unit 134 on the condition that the burden subject determination unit 132 determines that the lessee is the burden subject and the insurance payment determination unit 133 determines that the payment conditions are satisfied.

[0053] In addition to the information determined by the burden subject determination unit 132, the insurance payment determination unit 133, and the amount determination unit 134, the output unit 135 may output the image data and text data used for the determination of the information. The output unit 135 is not limited to the specific information shown here and may output other information.

[0054] The output unit 135 transmits the information to be output to at least one of the lessee terminal 2 and the lessor terminal 3. The lessee terminal 2 or the lessor terminal 3 displays the information received from the information processing device 1 on the display unit. In the example of FIG. 7, the lessee terminal 2 displays the image data of the damaged part and the text data of the reason for the damage, and also displays a determination result including information indicating that the lessee is the burden subject and information indicating that insurance money for the damage to the property will be paid. Thereby, the information processing system S can easily enable the lessee or the lessor to grasp the information regarding the repair of the property.

[0055] Further, the output unit 135 may output information for paying the insurance money determined by the insurance money determination unit 134 to a device that executes a process of paying the insurance money. The information for paying the insurance money includes, for example, the amount of the insurance money and identification information for identifying a lessee, a lessor, or a contractor who repairs the property and is preset as the payment destination of the insurance money. The device that executes the insurance money payment process executes a process of paying the insurance money to the lessee, the lessor, or the contractor who repairs the property based on the information output by the information processing device 1. Thereby, since the information processing system S can automatically pay the insurance money, the labor required for the insurance money payment procedure can be reduced.

[0056] [Flow of Information Processing Method] FIG. 8 is a diagram showing a flowchart of an exemplary information processing method executed by the information processing device 1 according to the present embodiment. In the information processing device 1, the reception unit 131 receives image data of the damaged part (S11) and text data of the reason for the damage (S12) from the lessee terminal 2 or the lessor terminal 3.

[0057] Based on the image data and the text data received by the reception unit 131, the burden subject determination unit 132 determines a burden subject that bears the repair cost for repairing the damaged part among the lessee and the lessor (S13).

[0058] When the burden subject determination unit 132 determines that the lessee is not the burden subject (that is, the lessor is the burden subject) (NO in S14), the information processing device 1 proceeds to step S19.

[0059] When the burden subject determination unit 132 determines that the lessee is the burden subject (YES in S14), the insurance money payment determination unit 133 determines whether or not the payment conditions for paying the insurance money of the insurance contracted by the lessee and covering the damage of the property are satisfied based on the image data and the text data received by the reception unit 131 (S15).

[0060] When the insurance payment determination unit 133 determines that the payment conditions are met (YES in S16), the amount determination unit 134 determines the insurance payment for the damage to the property (S17). When the insurance payment determination unit 133 determines that the payment conditions are not met (NO in S16), the amount determination unit 134 determines the repair cost borne by the lessee to repair the damaged part (S18).

[0061] The output unit 135 outputs at least a part of the information indicating the burden subject determined by the burden subject determination unit 132 in step S13, the information indicating the determination result of the payment conditions determined by the insurance payment determination unit 133 in step S15, the information indicating the insurance payment determined by the amount determination unit 134 in step S17, and the information indicating the repair cost determined by the amount determination unit 134 in step S18 (S19).

[0062] [Effects of the Embodiment] According to the information processing system S according to the present embodiment, the information processing apparatus 1 automatically determines whether or not to pay the insurance payment for the damage to the property based on the image data of the damaged part of the property. Thereby, the information processing system S enables the lessee to easily use the insurance without having to understand in detail the conditions of the insurance for the damage to the property, and can suppress troubles that may occur between the lessee and the lessor. Therefore, the labor related to the repair of the property when the lessee vacates the property can be reduced. Further, the information processing apparatus 1 automatically determines the burden subject that bears the repair cost based on the image data of the damaged part of the property, and can automatically calculate the repair cost and the insurance payment. Therefore, the labor related to the repair of the property when the lessee vacates the property can be further reduced.

[0063] [Modification Example] The information processing apparatus 1 according to the above-described embodiment calculates the repair cost based on the calculation reference data and the image data, whereas the information processing apparatus 1 according to this modification example calculates the repair cost based on the calculation reference data and the image data in addition to the performance data of the insurance payments paid in the past. Hereinafter, the differences from the above-described embodiment will be mainly described.

[0064] FIG. 9 is a schematic diagram for explaining a method by which the amount determination unit 134 according to this modification example determines the repair cost. On the condition that the burden subject determination unit 132 determines that the lessee is the burden subject and the insurance payment determination unit 133 determines that the payment condition is not satisfied, the amount determination unit 134 inputs, for example, the calculation reference data pre-stored in the storage unit 12 and the image data received by the reception unit 131 into the above-described third machine learning model, and acquires the amount indicated by the information output by the third machine learning model.

[0065] The amount determination unit 134 acquires, from the storage unit 12, the performance data of the insurance money paid in the past. The performance data is, for example, data indicating the performance of the insurance money paid in the past due to the insurance for the damage of the property, and is pre-stored in the storage unit 12. The performance data includes, for example, information associating the type of damage (such as discoloration of the wall, scratch on the wall, etc.) with the insurance money paid in the past for the repair of the damage of that type.

[0066] The amount determination unit 134 compares, for example, the amount calculated from the calculation reference data and the image data of the damaged location with the insurance money indicated by the performance data for the type of damage at the damaged location. The amount determination unit 134 determines that the amount is not appropriate, for example, when the difference or ratio between the amount and the insurance money indicated by the performance data is equal to or greater than a predetermined threshold, and determines that the amount is appropriate otherwise.

[0067] When the amount determination unit 134 determines that the amount calculated from the calculation reference data and the image data of the damaged location is appropriate, the amount determination unit 134 determines the amount as the repair cost. On the other hand, when the amount determination unit 134 determines that the amount calculated from the calculation reference data and the image data of the damaged location is not appropriate, the repair cost is calculated by making a predetermined change (for example, a change according to the insurance money indicated by the performance data) to the amount, or information indicating that the amount is not appropriate together with the amount is output.

[0068] According to the information processing system S according to this modification example, by comparing the repair cost calculated based on the calculation reference data and the image data with the past payment record of the insurance money, it is possible to make it easier for the lessee to determine whether the repair cost is appropriate.

[0069] As described above, the present invention has been described using the embodiments. However, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist. For example, all or part of the device can be configured by functionally or physically dispersing and integrating it in an arbitrary unit. Also, new embodiments generated by any combination of a plurality of embodiments are included in the embodiments of the present invention. The effects of the new embodiments generated by the combination have the effects of the original embodiments combined.

Explanation of Reference Numerals

[0070] S Information processing system 1 Information processing device 11 Communication unit 12 Storage unit 13 Control unit 131 Reception unit 132 Burden subject determination unit 133 Insurance money payment determination unit 134 Amount determination unit 135 Output unit 2 Lessee terminal 3 Lessor terminal

Claims

1. A receiving unit that receives image data generated by imaging a damaged part of a property rented by a lessee from a lessor; An insurance payment determination unit that determines whether payment conditions for insurance contracted by the lessee and covering damage to the property are satisfied based on the image data received by the receiving unit; An output unit that outputs information indicating payment of the insurance money on the condition that the insurance payment determination unit determines that the payment conditions are satisfied; An information processing apparatus comprising the above.

2. The insurance payment determination unit determines whether the payment conditions are satisfied by inputting the image data into a machine learning model generated by learning teacher image data generated by imaging a predetermined location and correct data indicating whether the location satisfies the payment conditions. The information processing apparatus according to Claim 1.

3. The receiving unit receives text data indicating the reason for damage to the location designated by the lessee or the lessor, The insurance payment determination unit determines whether the payment conditions are satisfied based on the image data and the text data. The information processing apparatus according to Claim 1 or 2.

4. Before the insurance payment determination unit determines whether the payment conditions are satisfied, a burden subject determination unit that determines a burden subject that bears the repair cost for repairing the location among the lessee and the lessor based on the image data is further provided, The insurance payment determination unit determines whether the payment conditions are satisfied based on the image data on the condition that the burden subject determination unit determines that the lessee is the burden subject. The information processing apparatus according to Claim 1 or 2.

5. The information processing apparatus according to Claim 4 further comprises an amount determination unit that determines the repair cost borne by the lessee on the condition that the burden subject determination unit determines that the lessee is the burden subject and the insurance payment determination unit determines that the payment conditions are not satisfied. The information processing apparatus according to Claim 4.

6. The amount determination unit determines the insurance money according to a criterion different from the criterion for determining the repair cost on the condition that the burden subject determination unit determines that the lessee is the burden subject and the insurance payment determination unit determines that the payment conditions are satisfied. The information processing apparatus according to Claim 5.

7. The amount determination unit determines the repair cost borne by the lessee based on the image data and the performance data indicating the insurance money paid in the past in the insurance. The information processing apparatus according to claim 5.

8. Executed by a processor, Receiving image data generated by imaging a damaged part of a property rented by a lessee from a lessor; Determining whether payment conditions for paying insurance money for insurance for damage to the property, which is the insurance contracted by the lessee, are satisfied based on the image data received in the receiving step; Outputting information indicating payment of the insurance money on the condition that it is determined in the determining step that the payment conditions are satisfied; An information processing apparatus having the above.

9. Causing a processor to Receive image data generated by imaging a damaged part of a property rented by a lessee from a lessor; Determining whether payment conditions for paying insurance money for insurance for damage to the property, which is the insurance contracted by the lessee, are satisfied based on the image data received in the receiving step; Outputting information indicating payment of the insurance money on the condition that it is determined in the determining step that the payment conditions are satisfied; A program for executing the above.

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