Insurance premium calculation system for building, insurance premium calculation program, and insurance premium calculation method

Abstract

To provide a building insurance premium calculation system for easily calculating the insurance premium of a building.SOLUTION: In a construction insurance premium calculation system 100 including cloud servers 200 and first terminals 300 that are terminals capable of accessing the cloud servers, each of the cloud servers includes a storage unit 220 that stores a three dimensional model created by photogrammetry for generating a realistic 3DCG from a photograph, and compares a three dimensional model of a construction before damage stored in the storage unit 220 with a three dimensional model of the construction after the damage. A damage detection device includes a damage detection unit 260 that detects a damaged portion and an insurance premium calculation unit 270 that calculates an insurance premium on the basis of the damaged portion, and the damage detection unit 260 compares a three dimensional model of a building before damage stored in a storage unit 220 with a three dimensional model of the building after damage, and calculates a ratio of the damaged portion to the three dimensional model of the building before damage.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to an insurance premium calculation system, an insurance premium calculation program, and an insurance premium calculation method for a building. [Background technology]

[0002] Generally, the assessed value of the building that forms the basis of the insurance amount is calculated using the new construction cost unit method or the annual index method.

[0003] The new construction cost unit price method is a calculation method based on the standard unit price per square meter and the total floor area and exclusive area.

[0004] The annual index method is a calculation method that reflects price fluctuations, etc. by multiplying the building price (construction cost of a new building) by an index (construction cost multiplier) corresponding to the year of construction. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Laid-Open No. 2017-227565 Summary of the Invention [Problem to be solved by the invention]

[0006] However, because the annual index method is calculated from the actual construction costs at the time of new construction, it can be said to be a more realistic assessment than the new construction cost unit method, but it may not necessarily be an appropriate assessment.

[0007] In addition, a disaster damage certificate may be required when using public disaster victim support systems.

[0008] A disaster certificate is issued upon application from the victim when their home or other property has been damaged by a natural disaster such as a typhoon or earthquake. The certificate certifies the extent of the damage (six categories, including total destruction, partial destruction, etc.).

[0009] However, although there are certification standards, it takes time to determine which of the six categories a product falls into, and it can be difficult to obtain appropriate certification.

[0010] Specifically, buildings may be burned down or collapsed due to fires or earthquakes, and even if they are not completely destroyed, they may be at risk of being partially destroyed on a large scale, partially destroyed on a medium scale, partially destroyed, semi-destroyed, or partially damaged.

[0011] Whether a building is completely destroyed, severely damaged, moderately damaged, partially damaged, semi-destroyed, or partially damaged is determined by (1) determining its appearance, (2) determining its slope, and (3) determining its location.

[0012] When assessing the house based on its appearance, it is judged to be completely destroyed if: (1) the entire house appears to have collapsed; (2) some floors of the house appear to have completely collapsed; (3) the entire house appears to have been washed away or slid down; (4) one side of the foundation has completely collapsed due to liquefaction of the ground, etc., and the ground directly below the foundation has been washed away or caved in; or (5) cracks in the ground surface run vertically or horizontally directly below the house.

[0013] When judging by inclination, a building is deemed to be completely destroyed if the inclination of the exterior wall or pillar is 1 / 20 or more.

[0014] When judging by part, a building is deemed to have collapsed completely if the damage rate of the foundation or pillars (or shear walls) is 75% or more.

[0015] When assessing damage by part, if the damage rate of the foundation or pillars (or shear walls) is less than 75%, the percentage of damage to the house is calculated based on the degree of damage (and slope) of each part.

[0016] The damage rate for a house is determined as follows: if it is 50% or more, it is considered to be completely destroyed; if it is 40% or more but less than 50%, it is considered to be severely damaged; if it is 30% or more but less than 40%, it is considered to be moderately damaged; if it is 20% or more but less than 30%, it is considered to be partially damaged; if it is 10% or more but less than 20%, it is considered to be semi-destroyed; and if it is less than 10%, it is considered to be partially damaged.

[0017] However, it is very difficult to determine what the percentage of damage is.

[0018] On the other hand, when a building is a cultural asset, the increased demand for repairs and maintenance leads to rising costs, and historical buildings end up in situations where they are "waiting repairs due to budgetary constraints of local governments or the national government" or "demolished due to financial or other reasons of the owner."

[0019] In Important Preservation Districts for Groups of Traditional Buildings, it is impossible to completely prevent fires, and once one occurs, huge damages are expected.

[0020] However, it is nearly impossible for each owner or local government to come up with the necessary savings to cope with this.

[0021] Therefore, one possible way to deal with accidents is to use insurance to share the damages among many people, regardless of the time or scale of the accident.

[0022] For local governments that subsidize traditional buildings, insurance is particularly useful when they need to allocate budgets on an ad hoc basis and do not have special financial resources such as funds, and insurance can be used to smooth out fluctuations in expenses.

[0023] However, even if insurance is used to address the above issues, there is a problem that there are no blueprints for old buildings such as cultural properties, making it difficult to calculate insurance premiums.

[0024] Furthermore, even if there are blueprints, repeated renovations can cause the actual property to differ from the blueprints, making it difficult to calculate insurance premiums.

[0025] Specifically, non-life insurance premiums are generally calculated by determining the assessed value of the building and calculating the premium rate. If the price at the time of construction is unknown, the assessed value is calculated using the "new construction cost unit price method," which multiplies the area by the structural unit price.

[0026] There is a table for easily calculating insurance premium rates, which are determined by four factors: use, structure, location (by prefecture), and discount.

[0027] Furthermore, to identify the structure, blueprints are required, but in the case of old buildings such as cultural properties, blueprints may not exist.

[0028] Furthermore, there are cases where the actual building differs from the drawings due to repeated renovations.

[0029] In addition, there is a problem that it is difficult to calculate insurance premiums when there is a risk that buildings such as cultural properties may be burned down or collapsed due to fire or earthquake, but there are no drawings or the drawings differ from the actual building.

[0030] In addition, insurance rates are calculated by assessing the value of the building, but it can sometimes be difficult to calculate an insurance rate that satisfies both the policyholder and the insurance company.

[0031] A main object of the present invention is to provide an insurance premium calculation system for buildings that can easily calculate insurance premiums for buildings.

[0032] Another object of the present invention is to provide a building insurance premium calculation program that can easily calculate building insurance premiums.

[0033] Another object of the present invention is to provide a method for calculating insurance premiums for buildings that can easily calculate insurance premiums for buildings. [Means for solving the problem]

[0034] A building insurance premium calculation system according to a first aspect of the present invention is a building insurance premium calculation system including a server capable of communicating with a terminal, for detecting damaged portions of a building that is an object of a three-dimensional model and determining an insurance premium rate, The server: a storage unit that stores the three-dimensional model created by photogrammetry; a damage detection unit that compares the three-dimensional model of the building before damage stored in the storage unit with the three-dimensional model of the building after damage to detect damaged portions; an insurance premium calculation unit that calculates an insurance premium based on the damaged portion, The damage detection unit is a building insurance premium calculation system that compares the three-dimensional model of the building before damage stored in the memory unit with the three-dimensional model of the building after damage, and calculates the ratio of the damaged part to the three-dimensional model of the building before damage.

[0035] By comparing the three-dimensional model of the building with the three-dimensional model of the building after damage, it is possible to calculate the percentage (damage ratio) of the building that differs from before to after damage, and insurance premiums can be calculated based on this. Note that the ratio does not have to be a percentage.

[0036] A building insurance premium calculation system according to a second aspect of the present invention is a building insurance premium calculation system including a server capable of communicating with a terminal in order to detect damaged portions of a building that is an object of a three-dimensional model and determine an insurance premium rate, The server: a storage unit that stores the three-dimensional model created by photogrammetry; a drawing creation unit that creates a design drawing of the building from the three-dimensional model stored in the storage unit; a GPS surveying unit that surveys the building using a GPS; a damage detection unit that compares the dimensions displayed on the design drawing of the building created by the drawing creation unit with the dimensions of the building measured by the GPS surveying unit, and detects damaged portions; This is a building insurance premium calculation system in which, if the dimensions of the building displayed on the design drawing created by the drawing creation unit do not match the dimensions of the building measured by the GPS surveying unit, the damage detection unit determines the mismatched parts as damaged parts and calculates their proportion to the building.

[0037] By creating architectural drawings, such as design drawings, from photogrammetry, it is possible to create drawings of buildings, such as cultural properties, even if there are no drawings for the building or if the drawings differ from the actual building.By comparing the design drawings before damage with the measured dimensions, it is possible to detect damaged areas and calculate insurance premiums based on this.

[0038] If the building dimensions do not match, the building may have been damaged by an earthquake or other event.

[0039] The determination of whether the dimensions match may include a certain error range within a predetermined range. In other words, the dimensions do not have to be completely identical, and the building comparison determination unit determines that the dimensions match as long as they are within a predetermined range.

[0040] The actual distance (numbers written in the dimensions) can be calculated from the spatial coordinate distance of the three-dimensional model of the building (the distance between (x1, y1, z1) and (x2, y2, z2)), and the drawing creation department will then display the dimensions on the design drawing.

[0041] "Cultural properties" refers not only to national treasures, important cultural properties, historic sites, scenic spots, or natural monuments protected by the Law for the Protection of Cultural Properties, but also to tangible or intangible cultural products produced by human cultural activities.

[0042] A building insurance premium calculation system according to a third aspect of the present invention is the building insurance premium calculation system according to the first aspect, The damage detection unit is a building insurance premium calculation system that compares the three-dimensional model of the interior of the building before damage, which is stored in the memory unit, with the three-dimensional model of the interior of the building after damage, and calculates the ratio of the damaged portion to the interior of the building before damage.

[0043] Damaged areas can be detected not only on the exterior of a building but also inside the building by comparing three-dimensional data before and after damage.

[0044] A building insurance premium calculation system according to a fourth aspect of the present invention is the building insurance premium calculation system according to the first aspect, The damage detection unit is a building insurance premium calculation system that overlays the three-dimensional model of the building before damage with the three-dimensional model of the building after damage, determines any areas that do not match as damaged areas, and calculates the ratio of the damaged areas to the three-dimensional model of the building before damage.

[0045] Overlaying the three-dimensional models makes it easier to detect differences between pre-damage and post-damage conditions.

[0046] A building insurance premium calculation system according to a fifth aspect of the present invention is the building insurance premium calculation system according to the first aspect, The insurance premium calculation unit is a building insurance premium calculation system that determines an insurance premium rate based on the damaged portion or degree of damage of the building detected by the damage detection unit.

[0047] By setting insurance rates according to the degree of damage to the building, it is possible to set prices that are satisfactory to both insurance companies and building owners.

[0048] A building insurance premium calculation program according to a sixth aspect of the present invention is a building insurance premium calculation program including a server capable of communicating with a terminal, for detecting damaged portions of a building that is an object of a three-dimensional model and determining an insurance premium rate, The server: a storage process for storing the three-dimensional model created by photogrammetry; a damage detection process for detecting damaged portions by comparing the three-dimensional model of the building before damage stored by the storage process with the three-dimensional model of the building after damage; an insurance premium calculation process for calculating an insurance premium based on the damaged portion; The damage detection process is a building insurance premium calculation program that compares the three-dimensional model of the building before damage, which is stored by the memory process, with the three-dimensional model of the building after damage, and calculates the ratio of the damaged part to the three-dimensional model of the building before damage.

[0049] Such a program provides the same effects as the first aspect.

[0050] A seventh aspect of the present invention provides a building insurance premium calculation program including a server capable of communicating with a terminal, for detecting damaged portions of a building that is an object of a three-dimensional model and determining an insurance premium rate, the program comprising: The server: a storage process for storing the three-dimensional model created by photogrammetry; a drawing creation process for creating a design drawing of the building from the three-dimensional model stored by the storage process; a GPS surveying process for surveying the building using a GPS; a damage detection process for detecting a damaged portion by comparing the dimensions displayed on the design drawing of the building created by the drawing creation process with the dimensions of the building measured by the GPS surveying process; If the dimensions of the building displayed on the design drawing created by the drawing creation process do not match the dimensions of the building measured by the GPS surveying process, the damage detection process is a building insurance premium calculation program that determines the mismatched parts as damaged parts and calculates the percentage of the damage to the building.

[0051] Such a program has the same effect as the second aspect.

[0052] A building insurance premium calculation method according to an eighth aspect of the present invention is a building insurance premium calculation method including a server capable of communicating with a terminal, for detecting damaged portions of a building that is an object of a three-dimensional model and determining an insurance premium rate, The server: a storing step of storing the three-dimensional model created by photogrammetry; a damage detection process for detecting damaged portions by comparing the three-dimensional model of the building before damage stored in the storage process with the three-dimensional model of the building after damage; an insurance premium calculation step of calculating an insurance premium based on the damaged portion, In the damage detection process, the three-dimensional model of the building before damage stored in the storage process is compared with the three-dimensional model of the building after damage, and the ratio of the damaged part to the three-dimensional model of the building before damage is calculated.This is a building insurance premium calculation method.

[0053] In such a method, the same effects as those of the first and sixth aspects are achieved.

[0054] A building insurance premium calculation method according to a ninth aspect of the present invention is a building insurance premium calculation method including a server capable of communicating with a terminal, for detecting damaged portions of a building that is an object of a three-dimensional model and determining an insurance premium rate, The server: a storing step of storing the three-dimensional model created by photogrammetry; a drawing creation step of creating a design drawing of the building from the three-dimensional model stored in the storage step; a GPS surveying step of surveying the building using a GPS; a damage detection process for detecting damaged portions by comparing the dimensions displayed on the design drawing of the building created in the drawing creation process with the dimensions of the building measured in the GPS surveying process; In this building insurance premium calculation method, if the dimensions of the building displayed on the design drawing created in the drawing creation process do not match the dimensions of the building measured in the GPS surveying process, the damage detection process determines the mismatched part as a damaged part and calculates its proportion to the building.

[0055] In such a method, the same effects as those of the second and seventh aspects are achieved. [Brief explanation of the drawings]

[0056] [Figure 1] A conceptual diagram showing the creation of a 3D model of building S in a building insurance premium calculation system in one embodiment of the present invention. [Figure 2] A conceptual diagram showing the creation of a 3D model of building S in the building insurance premium calculation system in the same embodiment. [Figure 3] 1 is a conceptual diagram of a building insurance premium calculation system according to an embodiment of the present invention. [Figure 4] A conceptual diagram showing a design drawing created by the drawing creation unit of the building insurance premium calculation system in one embodiment of the present invention. [Figure 5] 1 is a conceptual diagram of a GPS surveying unit of a building insurance premium calculation system according to an embodiment of the present invention. [Figure 6] A conceptual diagram showing the creation of a 3D model of the exterior of building S in a building insurance premium calculation system in one embodiment of the present invention. [Figure 7] A conceptual diagram showing the creation of a 3D model of the exterior of building S in a building insurance premium calculation system in one embodiment of the present invention. [Figure 8] A conceptual diagram showing the creation of a 3D model of the interior of building S in a building insurance premium calculation system in one embodiment of the present invention. [Figure 9] A conceptual diagram showing the creation of a 3D model of the interior of building S in a building insurance premium calculation system in one embodiment of the present invention. [Figure 10] 1 is a flowchart of a building insurance premium calculation system according to one embodiment of the present invention. [Figure 11] 1 is a flowchart of a building insurance premium calculation system according to one embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0057] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

[0058] (Photogrammetry) In this embodiment, photogrammetry is used to create the 3DCG.

[0059] "Photogrammetry" is a technology that generates realistic 3DCG from photographs.

[0060] Specifically, photogrammetry is a technique for synthesizing multiple photographs of an object (in this embodiment, a building) taken from various angles.

[0061] The number of photos required varies depending on how realistic and detailed you want the 3DCG model to be, ranging from dozens to hundreds.

[0062] The photogrammetry production process consists of the following steps: 1. photography, 2. alignment, 3. mesh generation (creation of point cloud data), 4. simplification, 5. unwrap, and 6. texture generation.

[0063] When taking photographs, since it is not possible to recreate areas that have not been photographed, the subject, the building, is photographed from various angles.

[0064] Care must be taken when taking photographs, as missing any photographs can lead to alignment failures and mesh generation failures.

[0065] 1 and 2 are examples showing locations photographed by the photographing device P. As can be seen from FIGS. 1 and 2, photographs are taken, in principle, with horizontal and vertical movement.

[0066] In this embodiment, the photographing device P is a 3D laser scanner, a handheld scanner, or a drone.

[0067] A more accurate mesh can be obtained using laser scanning.

[0068] In addition, by using a drone, it is possible to take pictures of the roof of the target object, etc. It is also possible to take pictures from a high place using a long pole.

[0069] "Alignment" means arranging elements based on each point of the object (element).

[0070] In this embodiment, alignment means placing the building S based on each point of the building S.

[0071] To ensure successful alignment, it is necessary to ensure that no images are missed when photographed by the photographing device P.

[0072] "Mesh generation" creates a mesh at normal resolution. By reducing the image size, processing time can be reduced without affecting quality.

[0073] Simplification involves adjusting the number of polygons depending on the object. A "polygon" is a polygonal shape (flat surface) used in 3D graphics to represent the curved surfaces of a three-dimensional object.

[0074] Set the texture resolution, number of images, etc. in the settings, then select Unwrap.

[0075] "Texture" originally refers to the texture and feel of an object's surface. In 3D computer graphics (CG), a "texture" is a pattern or image that is pasted onto the surface of a 3D object to express the surface texture of the object, and the technique of pasting textures in this way is called "texture mapping."

[0076] Texture mapping makes the texture of 3D objects more realistic. For example, the same object will look like a piece of metal if you apply a metal texture, or like a piece of wood if you apply a wood grain texture. Texture mapping can also be used to create a shiny table or reflections on glass.

[0077] Mesh data consists of polygons and textures.

[0078] The 3DCG (3D models, three-dimensional models) created using this photogrammetry can be used in the Metaverse, etc. In addition, the 3D model of building S, etc. created using this photogrammetry has spatial coordinates (X, Y, Z), and the actual distance can be determined based on the coordinate position.

[0079] Photogrammetry may also be constructed using point cloud data. Point cloud data is composed of only information on independent points, which is different from mesh data and is closer to the raw data obtained from a sensor, so it is often characterized by superior accuracy.

[0080] In this embodiment, photogrammetry is created using point cloud data.

[0081] The data format of point cloud data consists of six basic components: spatial coordinates (X, Y, Z) for each vertex and color (R (red), G (green), B (blue)).In addition, it may contain information such as reflectance and normal vectors, known as scalar information.

[0082] As shown in FIG. 3, the system 100 according to this embodiment includes a cloud server 200, which is a server, and and a first terminal 300 that is a terminal that can access the cloud server 200.

[0083] The cloud server 200 is a server built on a cloud, and its server functions can be used via the Internet. In this embodiment, the cloud server 200 is used as the server, but a normal server may also be used.

[0084] As shown in FIG. 3, the cloud server 200 includes a communication unit 210 that can communicate with the first terminal 300, A storage unit 220 that stores a 3D model (three-dimensional model) of a building S such as a cultural property, which is an object created by photogrammetry; a drawing creation unit 230 that creates a design drawing from a 3D model of the building S or the like stored in the storage unit 220; a GPS surveying unit 240 that performs surveying using a GPS (Global Positioning System); a thermal image conversion unit 250 that converts the 3D model of the building S into a thermal image; a damage detection unit 260 that compares the 3D model of the building S before damage stored in the memory unit 220 with the 3D model of the building S at the time of inspection to detect damaged portions of the building S; an insurance premium calculation unit 270 that calculates an insurance premium based on the detection result of the damage detection unit 260; The damage detection unit 260 includes a damage degree notification unit 280 that notifies the first terminal 300 that, based on the degree of damage detected by the damage detection unit 260, if the degree of damage is 50% or more, it is total destruction; if it is 40% or more but less than 50%, it is large-scale partial destruction; if it is 30% or more but less than 40%, it is medium-scale partial destruction; if it is 20% or more but less than 30%, it is partial destruction; if it is 10% or more but less than 20%, it is semi-partial destruction; and if it is less than 10%, it is partial destruction.

[0085] The communication unit 210 communicates with the first terminal 300. The communication method may be either wired or wireless. There may be multiple first terminals 300.

[0086] The storage unit 220 stores a 3D model of a building S or the like created by photogrammetry.

[0087] The 3D model of the building S before damage is preferably a 3D model of the building S when it was newly constructed or approximately the same as when it was newly constructed.

[0088] The storage unit 220 also stores a 3D model of the building S or the like at the time of the survey that has been newly photographed and created by a drone or the like.

[0089] For example, the storage unit 220 stores a 3D model of a building S or the like that has been damaged by an earthquake or the like.

[0090] The drawing creation unit 230 creates a design drawing from the 3D model of the building S or the like stored in the storage unit 220.

[0091] In Figure 4, the left side is a 3D model of building S created using photogrammetry, and the right side is a design drawing D created by the drawing creation unit 230 from the 3D model.

[0092] As shown in FIG. 4, the drawing creation unit 230 creates a design drawing (in this embodiment, a design drawing D of the building S) from the 3D model created by photogrammetry.

[0093] 3D models created using photogrammetry have spatial coordinates, and the distance in the spatial coordinates corresponds to the actual distance.

[0094] Then, as shown in dimension M in Figure 4, the actual distance is calculated from the spatial coordinate distance of the 3D model and displayed as a dimension on the design drawing D. The calculated distance may be corrected during the calculation.

[0095] Furthermore, if distortion occurs in the lens of the photographing device P, it may be corrected.

[0096] As shown in the magnification m in Figure 4, the magnification (1 / 200 in this embodiment) of the actual distance (the distance displayed in dimension M) on the design drawing D (the distance between (x1, y1, z1) and (x2, y2, z2)) is displayed.

[0097] The GPS measurement unit 240 measures the dimensions of the building section S using a GPS.

[0098] The GPS surveying unit 240 in this embodiment uses surveying based on carrier phase, and employs a static method (static positioning, abbreviated static positioning). Note that a kinematic method (kinematic positioning, real kinematic positioning) may also be used. The kinematic method has the advantage of a short observation time (several seconds to several minutes).

[0099] In this embodiment, the static method is used. The GPS surveying unit 240 may also use point-by-point positioning. Since point-by-point positioning is prone to errors, it is preferable to use differential GPS (DGPS), which places base stations at known locations and notifies the user of error information obtained there via communication media.

[0100] By using DGPS, it is possible to perform positioning with higher accuracy than conventional single-point positioning.

[0101] Carrier phase surveying is a method of measuring baseline length (vector distance) from a reference point whose location is known with high accuracy to the centimeter.

[0102] The static method is a method for accurately determining a baseline vector from a known reference point to a user position using the carrier phase.

[0103] Figure 5 is a conceptual diagram showing an example of the static method, with known point O, the distance between known point O and satellite 1 being r1(O), the distance between known point O and satellite 2 being r2(O), the distance between unknown point A and satellite 1 being r1(A), the distance between unknown point A and satellite 2 being r2(A), the difference in distance between the two points for each satellite being Δr1 and Δr2, the angle of satellite 1 at known point O being θ1, the angle of satellite 2 at known point O being θ2, and the distance (baseline distance) between known point O and unknown point A being d.

[0104] If the measured phase value is φ and the wave number of the radio wave (2π / wavelength) is k, the following relationship holds:

[0105]

number

[0106] In this embodiment, the dimensions of building S can be obtained by setting known point O and unknown point A as the points to be surveyed in building S and d as the dimensions of building S (the planar dimensions of building S).

[0107] In addition, the known point O may be a permanent electronic reference point established by the Geospatial Information Authority of Japan, and the two ends of the building S may be set as unknown points A1 and A2, respectively, to determine the distance between unknown points A1 and A2 (the dimensions of the building S).

[0108] In the kinematic method, the system is divided into a base station (fixed point) and a mobile station (new point), and the coordinates are determined by communicating observation data using mobile phones such as smartphones or radios.

[0109] Although it is less accurate than the static method, it has the advantage of requiring less observation time, requiring fewer people to work, and being more efficient.

[0110] The GPS surveying unit 240 can determine the dimensions of the building S using this method.

[0111] The GPS surveying unit 240 may set a reference distance in advance and measure the dimensions of the building S (the dimensions of the plan view of the building S) from a satellite image.

[0112] The thermal image conversion unit 250 uses an image of the building S captured by an infrared camera to convert the building S into a 3D model represented by a thermal image.

[0113] The thermal image conversion unit 250 may be configured to convert a part of the 3D model of the building S into a thermal image.

[0114] By comparing the thermal image of the 3D model of building S before damage with the thermal image of the 3D model of building S at the time of the investigation, the difference in temperature changes can be seen.

[0115] The loosening of tiles on building S can be easily detected by changes in the thermal image.

[0116] The damage detection unit 260 detects damaged portions of the building S by comparing a 3D model of the building S before damage with a 3D model of the building S at the time of inspection.

[0117] The user of the first terminal 300 can easily check the detected damaged parts of the building S from any viewpoint using the 3D model. In addition, the 3D model of the building S can be partially enlarged, making it easy to check the damaged parts.

[0118] In addition, the damage detection unit 260 detects damaged portions of the building S by comparing a thermal image of the 3D model of the building S before damage with a thermal image of the 3D model of the building S at the time of inspection.

[0119] This allows the damage detection unit 260 to detect loose tiles in the building S.

[0120] The damage detection unit 260 compares the dimensions shown in the design drawing D created by the drawing creation unit 230 with the dimensions of the building S surveyed by the GPS surveying unit 240, and detects any inconsistencies or any matches.

[0121] Specifically, the damage detection unit 260 compares the dimensions of the building S shown in the design drawing D created by the drawing creation unit 230 with the dimensions of the building S measured by the GPS surveying unit 240, and detects any mismatches or any matches. At this time, an error is set in advance.

[0122] For example, if building S is tilted due to an earthquake or the like, the dimensions of building S may no longer match.

[0123] Whether the dimensions match or not is determined based on whether the difference in the values ​​falls within a predetermined range (range of error) that has been set in advance.

[0124] In other words, if the difference between the dimensions of building S shown in the design drawing D created by the drawing creation unit 230 and the dimensions of building S surveyed by the GPS surveying unit 240 is within a predetermined range (within the range of error), the damage detection unit 260 determines that the dimensions match.

[0125] In addition, the damage detection unit 260 may compare the design drawing of the interior of the building S before damage created by the drawing creation unit 230 with the design drawing of the interior of the building S after damage, and detect any inconsistencies or any matches.

[0126] If the dimensions match, the damage detection unit 260 notifies the user, and if they do not match, the damage detection unit 260 notifies the user.

[0127] Specifically, when damage detection unit 260 determines from the detection result that the dimensions do not match, it displays an error (notifies an error).

[0128] In this embodiment, the damage detection unit 260 notifies the first terminal 300 of an error notification.

[0129] The damage detection unit 260 compares the 3D model of the building S before damage with the 3D model of the building S after damage to detect damaged areas.

[0130] Specifically, as shown in Figures 6 and 7, a 3D model of the building S is created, and the damage detection unit 260 compares the 3D model of the building S before damage with the 3D model of the building S after damage to detect damaged areas.

[0131] The damage detection unit 260 may detect damaged portions by superimposing a 3D model of the building S before damage on a 3D model of the building S after damage.

[0132] Specifically, the 3D model of the building S stored in the memory unit 220 is compared with the 3D model of the building S after damage by overlaying them, and the damage detection unit 260 detects the percentage difference between the 3D model of the building S before damage.

[0133] That is, the damage detection unit 260 calculates the degree of damage to the building S.

[0134] For example, if the width of a crack in building S is 0.5 mm or more, it is used as a basis for determining whether insurance applies, so if the width of a crack detected by the damage detection unit 260 is 0.5 mm or more, it is detected as a damaged area.

[0135] As shown in Figures 8 and 9, the 3D model of the building S based on point cloud data is created to show not only the exterior of the building S but also the interior, and the damage detection unit 260 detects damaged areas within the building S by overlaying the 3D model of the building S before damage with the 3D model of the building S after damage.

[0136] When the user of the first terminal 300 receives a notification (error notification) from the damage detection unit 260 that the dimensions do not match, the user can check the actual dimensions of the building S and confirm whether the dimensions of the building S shown in the design drawing D are correct.

[0137] Furthermore, when the user of the first terminal 300 receives a notification (error notification) that the dimensions do not match, the user can check whether the building S has been damaged.

[0138] The damage detection unit 260 compares the 3D model of the building S before damage stored in the storage unit 220 with the 3D model of the building S damaged by a disaster such as an earthquake.

[0139] Specifically, the damage detection unit 260 compares the 3D model of the building S before damage stored in the memory unit 220 with the 3D model of the building S after damage caused by a disaster such as an earthquake, and detects the percentage difference from the 3D model of the building S before damage.

[0140] More specifically, the 3D model of building S stored in the memory unit 220 is superimposed on a 3D model of building S after it has been damaged by a disaster such as an earthquake, and the damage detection unit 260 detects the percentage difference from the 3D model of building S before it was damaged.

[0141] In this case, differences such as whether building S is tilted (inclined) also fall under the category of differences.

[0142] That is, the damage detection unit 260 calculates the degree of damage to the building S.

[0143] The insurance premium calculation unit 270 calculates the insurance premium based on the design drawing such as the design drawing D created by the drawing creation unit 230.

[0144] The insurance premium calculation unit 270 includes an area calculation unit 271 that calculates the area of ​​the building S from the dimension M displayed in the design drawing such as the design drawing D, a structure unit price determination unit 272 for determining a structure unit price based on a predetermined standard; and an insurance premium rate determination unit 273 that determines the insurance premium rate based on the size, shape, etc. of the building S based on design drawings such as design drawing D.

[0145] Generally, property insurance premiums are calculated by determining the assessed value of building S and then calculating the insurance rate, which is calculated as "assessed value x insurance rate." The "assessed value" is then calculated as "area of ​​building S x structural unit price."

[0146] The "area of ​​the building S" is calculated based on the dimension M written in the design drawing D (floor plan) of the building S created by the drawing creation unit 230.

[0147] Specifically, the drawing creation unit 230 calculates the actual distance (the number written in dimension M) from the spatial coordinate distance of the 3D model of building S (the distance between (x1, y1, z1) and (x2, y2, z2)), and displays it as dimension M in the design drawing D.

[0148] The calculated distance may be corrected.

[0149] The area calculation unit 271 calculates the area of ​​the building S from the dimension M displayed on the design drawing D such as a floor plan of the building S.

[0150] The structure unit price determination unit 272 determines the structure unit price based on the age of the building S, its cultural value, etc.

[0151] The insurance premium rate determination unit 273 determines the insurance premium rate based on the design drawings such as the design drawing D of the building S.

[0152] Specifically, the insurance premium rate determination unit 273 determines the insurance premium rate based on the size, shape, etc. of the building S determined from design drawings such as the design drawing D of the building S.

[0153] The insurance premium calculation unit 270 calculates the assessed amount by multiplying the area of ​​the building S calculated by the area calculation unit 271 by the unit structure price of the building S determined by the unit structure price determination unit 272.

[0154] Then, the insurance premium calculation unit 270 calculates the insurance premium to be paid by the owner of the building S by multiplying the assessed value by the insurance premium rate for the building S determined by the insurance premium rate determination unit 273.

[0155] Furthermore, the insurance premium rate determination unit 273 of the insurance premium calculation unit 270 can also determine the insurance premium rate based on the damaged portion or the degree of damage of the building S detected by the damage detection unit 260.

[0156] Specifically, the damage detection unit 260 compares the 3D model of the building S before damage stored in the memory unit 220 with the 3D model of the building S after damage caused by a disaster such as an earthquake, and detects the percentage difference from the 3D model of the building S before damage (degree of damage), and the insurance premium rate determination unit 273 determines the insurance premium rate based on the damaged part or degree of damage.

[0157] In the insurance premium rate determination unit 273, an insurance premium rate corresponding to the degree of damage to the building S is determined in advance, and the insurance premium rate is determined based on this standard.

[0158] Based on the degree of damage calculated by the damage detection unit 260, the damage degree notification unit 280 notifies the first terminal 300 that if the degree of damage is 50% or more, it is total destruction; if it is 40% or more but less than 50%, it is large-scale partial destruction; if it is 30% or more but less than 40%, it is medium-scale partial destruction; if it is 20% or more but less than 30%, it is partial destruction; if it is 10% or more but less than 20%, it is semi-partial destruction; and if it is less than 10%, it is partial damage.

[0159] (First terminal 300) The first terminal 300 is a terminal that includes a first communication unit 310, which is a communication function for accessing the Internet in order to access the cloud server 200; a first storage unit 320 capable of storing data stored in the storage unit 220 of the cloud server 200; and a first display unit 330 that accesses the cloud server 200 and displays the work content or stored data.

[0160] Examples of the first terminal 300 include a personal computer and a tablet.

[0161] The first communication unit 310 is a unit for performing communication for connecting to the Internet. The first communication unit 310 enables the first terminal 300 to access the cloud server 200.

[0162] Note that the first communication unit 310 also includes accessing the Internet via Wi-Fi (wireless LAN) or wired LAN.

[0163] (Flowchart for calculating insurance premiums using design drawings from 3D data) FIG. 10 shows a flowchart for calculating insurance premiums using design drawings from 3D data in this embodiment.

[0164] First, a 3D model (three-dimensional model) of a building S such as a cultural asset is created by photogrammetry (step S11, three-dimensional model creation process).

[0165] 3D models created using photogrammetry are used in the Metaverse and other places.

[0166] Next, the drawing creation unit 230 creates a design drawing D from the 3D model of the building S (step S12, drawing creation process).

[0167] The drawing creation unit 230 calculates the actual distance (the number written on the dimension M) from the spatial coordinate distance of the 3D model of the building S (the distance between (x1, y1, z1) and (x2, y2, z2)), and displays it as dimension M on the design drawing D.

[0168] Next, the GPS surveying unit 240 measures the dimensions of the building S using the GPS (step S13, GPS surveying step).

[0169] The damage detection unit 260 compares the dimensions displayed on the design drawing D of the building S created by the drawing creation unit 230 with the dimensions of the building S (the plan dimensions of the building S) measured by the GPS surveying unit 240, and detects whether they match or do not match (step S14, dimension determination process).

[0170] Whether the dimensions match or not is determined taking into account a preset error.

[0171] If the damage detection unit 260 determines that the dimensions match, it notifies the first terminal 300 to that effect (step S15).

[0172] If the damage detection unit 260 determines that the dimensions do not match, it notifies the first terminal 300 of an error (step S16).

[0173] The insurance premium calculation unit 270 calculates the assessed amount by multiplying the area of ​​the building S calculated by the area calculation unit 271 by the structure unit price of the building S determined by the structure unit price determination unit 272 (step S17, insurance premium calculation process).

[0174] The insurance premium calculation unit 270 calculates the insurance premium to be paid by the owner of the building S by multiplying the assessed amount by the insurance premium rate for the building S determined by the insurance premium rate determination unit 273 (step S18, insurance premium calculation process).

[0175] (Flowchart for calculating insurance premiums by comparing 3D data) FIG. 11 shows a flowchart for calculating insurance premiums by comparing 3D data in this embodiment.

[0176] First, a 3D model (three-dimensional model) of a building S such as a cultural asset is created by photogrammetry (step S21, three-dimensional model creation process).

[0177] Next, a 3D model (three-dimensional model) of the building S damaged by a disaster such as an earthquake or fire is created by photogrammetry (step S22, three-dimensional model creation step).

[0178] Next, the damage detection unit 260 compares the three-dimensional model of the exterior of the building S before damage with the three-dimensional model of the exterior of the building S after damage, detects damaged parts of the building S before damage, and calculates the degree of damage (step S23, exterior damage detection process).

[0179] Specifically, the damage detection unit 260 compares the three-dimensional model of the building S before damage with the three-dimensional model of the building S after damage, and detects the percentage difference from the 3D model of the building S before damage.

[0180] Next, the damage detection unit 260 compares the three-dimensional model of the interior of the building S before damage with the three-dimensional model of the interior of the building S after damage, detects the damaged parts or areas of the building S before damage, and calculates the degree of damage (step S24, indoor damage detection process).

[0181] Specifically, the damage detection unit 260 compares a three-dimensional model of the interior of the building S before damage with a three-dimensional model of the interior of the building S after damage, and detects the percentage difference from the 3D model of the building S before damage.

[0182] The insurance premium rate determination unit 273 of the insurance premium calculation unit 270 determines the insurance premium rate based on the damaged portion or the degree of damage of the building S detected by the damage detection unit 260 (step S25, insurance premium calculation step).

[0183] Next, based on the degree of damage calculated by the damage detection unit 260, the damage degree notification unit 280 notifies the first terminal 300 that if the degree of damage is 50% or more, it is total destruction; if it is 40% or more but less than 50%, it is large-scale partial destruction; if it is 30% or more but less than 40%, it is medium-scale partial destruction; if it is 20% or more but less than 30%, it is partial destruction; if it is 10% or more but less than 20%, it is semi-partial destruction; and if it is less than 10%, it is partial damage (step S26, damage degree notification process).

[0184] The present invention can be implemented in various forms with various improvements, modifications, or variations added thereto without departing from the spirit of the invention. [Explanation of symbols]

[0185] 100...Building insurance premium calculation system 200...Cloud server (server) 210…Communications Department 220...Storage section 230...Drawing Department 240...GPS surveying department 250...Thermal image conversion unit 260...Damage detection unit 270...Insurance Premium Calculation Department 280...Damage Notification Department 300... Terminal 1 (terminal) 310…1st Communications Department 320...1st memory section 330...First display section (display section)

Claims

1. A building insurance premium calculation system including a server capable of communicating with a terminal, for detecting damaged portions of a building that is an object of a three-dimensional model and determining an insurance premium rate, The server: a storage unit that stores the three-dimensional model created by photogrammetry; a damage detection unit that compares the three-dimensional model of the building before damage stored in the storage unit with the three-dimensional model of the building after damage to detect damaged portions; an insurance premium calculation unit that calculates an insurance premium based on the damaged portion, The damage detection unit compares the three-dimensional model of the building before damage stored in the memory unit with the three-dimensional model of the building after damage, and calculates the ratio of the damaged part to the three-dimensional model of the building before damage. This is a building insurance premium calculation system.

2. The building insurance premium calculation system of claim 1, wherein the damage detection unit compares the three-dimensional model of the interior of the building before damage stored in the memory unit with the three-dimensional model of the interior of the building after damage, and calculates the ratio of the damaged portion to the interior of the building before damage.

3. The building insurance premium calculation system of claim 1, wherein the damage detection unit overlays the three-dimensional model of the building before damage with the three-dimensional model of the building after damage, determines any areas that do not match as damaged areas, and calculates the ratio of the damaged areas to the three-dimensional model of the building before damage.

4. 2. The building insurance premium calculation system according to claim 1, wherein the insurance premium calculation unit determines an insurance premium rate based on the damaged portion or the degree of damage of the building detected by the damage detection unit.

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