Information processing device, information processing method, and information processing program

Abstract

To provide an information processing apparatus, an information processing method, and an information processing program capable of informing an insurance applicant of an appropriate insurance premium and at the same time allowing the insurance applicant to correctly grasp the flood risk at the location of the property of the insurance applicant.SOLUTION: An insurance contract processing server 3 is configured to: enter location information of a property to be insured specified by an insurance applicant; acquire a flood insurance premium corresponding to the entered location information from among flood insurance premiums set in a plurality of categories according to a flood risk to present it to the insurance applicant, and present the insurance applicant with flood risk information corresponding to the entered location information.SELECTED DRAWING: Figure 9

Description

[Technical field]

[0001] The present invention relates to the technical field of a system for calculating flood insurance premiums according to flood risk. [Background technology]

[0002] Conventionally, methods have been proposed for calculating a rational net premium that is allocated to paying insurance claims to policyholders from the insurance premium income of an insurance company. For example, the technology disclosed in Patent Document 1 calculates a final integrated risk distribution based on the term structure of the loss ratio and occurrence probability for each risk factor of fire, earthquake, and flood, and the product structure, and calculates the net premium in consideration of the risk tolerance corresponding to the insurer's risk-adjusted profit rate. In this way, it is possible to rationally reduce the net premium by comprehensively covering all risk factors rather than individual risk factors. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2002-373259 A Summary of the Invention [Problem to be solved by the invention]

[0004] Incidentally, the pure insurance premium rate for flood damage is a uniform rate for each structural class across the country, but there is a problem that, for example, a house along a river and a house on high ground have to pay the same insurance premium, which creates a sense of unfairness for policyholders. Such a problem cannot be solved by the technology disclosed in Patent Document 1.

[0005] Therefore, the present invention has been made in consideration of the above points, and one of its objectives is to provide an information processing device, an information processing method, and an information processing program that are capable of informing a policyholder of an appropriate insurance premium while enabling the policyholder to correctly understand the flood risk at the location of the policyholder's property. [Means for solving the problem]

[0006] In order to solve the above problem, the invention described in claim 1 comprises an input means for inputting location information of an insured property designated by an insurance applicant, external water inundation depth data showing the external water inundation depth expected due to external water flooding in a specified area, and a method for determining whether or not the insured property is located in the specified area. of a flood depth data acquisition means for acquiring from a flood depth database inland water inundation depth data indicating the inland water inundation depth estimated in an area due to inland water flooding; a risk classification data acquisition means for acquiring from a risk classification database inland water risk classification data indicating an inland water risk classification divided into a plurality of categories according to the inland water inundation depth and inland water risk classification data indicating an inland water risk classification divided into a plurality of categories according to the inland water inundation depth; a flood depth identification means for identifying the inland water inundation depth and the inland water inundation depth of a property location identified by the location information input by the input means, by referring to the inland water inundation depth data and the inland water inundation depth data acquired by the inundation depth data acquisition means; The insurance system is characterized by comprising: risk category identification means for identifying the external water risk category to which the external water inundation depth identified by the inundation depth identification means corresponds and the inundation risk category to which the inundation depth identified by the inundation depth identification means corresponds, by referring to water risk category data and the inundation risk category data, insurance premium acquisition means for acquiring an insurance premium corresponding to the location information input by the input means from among a plurality of insurance premiums classified according to flood risk, and presentation means for simultaneously presenting to the insurance applicant the insurance premium acquired by the insurance premium acquisition means, information on the external water risk category identified by the risk category identification means, and information on the inundation risk category identified by the risk category identification means. This makes it possible to inform the insurance applicant of an appropriate insurance premium while at the same time allowing the applicant to correctly understand the flood risk at the location of the insurance applicant's property.

[0007] The invention described in claim 2 is characterized in that, in the information processing device described in claim 1, the information on the external water risk classification is the level of the external water risk classification, and the information on the inland water risk classification is the level of the inland water risk classification.

[0008] The invention described in claim 3 is characterized in that, in the information processing device described in claim 1 or 2, the insurance premium acquisition means acquires an insurance premium corresponding to a combined risk classification relating to the combination of the external flood risk classification corresponding to the location information input by the input means and the inland flood risk classification corresponding to the location information input by the input means.

[0009] The invention described in claim 4 is characterized in that, in the information processing device described in claim 3, the insurance premium corresponding to the combined risk category is an insurance premium divided into multiple categories based on the pure insurance premium rate calculated for each combined risk category.

[0010] The invention described in claim 5 is characterized in that, in the information processing device described in any one of claims 1 to 4, the insurance premium acquisition means acquires an insurance premium corresponding to the location information input by the input means, and which corresponds to the structure of the insured property from among the insurance premiums calculated for each property structure.

[0011] The invention described in claim 6 is an information processing method executed by one or more computers, comprising the steps of inputting location information of an insured property designated by an insurance applicant, external water inundation depth data indicating the external water inundation depth expected due to external water flooding in a specified area, and ofA step of acquiring from a flood depth database inland water inundation depth data indicating the inland water inundation depth expected in the area due to inland water flooding, a step of acquiring from a risk classification database external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth, and internal water risk classification data indicating the inland water risk classifications divided into a plurality of categories according to the internal water inundation depth, a step of identifying the external water inundation depth and the internal water inundation depth of the property location identified by the input location information by referring to the acquired external water inundation depth data and internal water inundation depth data, and The method includes the steps of: referring to the acquired external water risk classification data and inland water risk classification data to identify the external water risk classification to which the identified external water inundation depth corresponds and the inland water risk classification to which the identified inland water inundation depth corresponds; acquiring insurance premiums corresponding to the input location information from among a plurality of insurance premiums classified according to flood risk; and presenting the acquired insurance premium, information on the identified external water risk classification, and information on the identified inland water risk classification to the insurance applicant simultaneously.

[0012] The invention described in claim 7 is a computer comprising an input means for inputting location information of an insured property designated by an insurance applicant, external water inundation depth data showing the external water inundation depth expected due to external water flooding in a specified area, and a computer for inputting information on the location information of an insured property designated by an insurance applicant. ofa flood depth data acquisition means for acquiring from a flood depth database inland water inundation depth data indicating the inland water inundation depth expected in an area due to inland water flooding; a risk classification data acquisition means for acquiring from a risk classification database inland water risk classification data indicating an external water risk classification divided into a plurality of categories according to the external water inundation depth and inland water risk classification data indicating an inland water risk classification divided into a plurality of categories according to the inland water inundation depth; a flood depth identification means for identifying the external water inundation depth and the inland water inundation depth of a property location identified by the location information input by the input means, by referring to the external water inundation depth data and the inland water inundation depth data acquired by the inundation depth data acquisition means; The device is characterized by functioning as a risk category identification means for referring to risk category data and inland water risk category data to identify the external water risk category to which the external water inundation depth identified by the inundation depth identification means corresponds and the inland water risk category to which the inland water inundation depth identified by the inundation depth identification means corresponds; an insurance premium acquisition means for acquiring an insurance premium corresponding to the location information input by the input means from among a plurality of insurance premiums classified according to flood risk; and a presentation means for simultaneously presenting to the insurance applicant the insurance premium acquired by the insurance premium acquisition means, information on the external water risk category identified by the risk category identification means, and information on the inland water risk category identified by the risk category identification means. Effect of the Invention

[0013] According to the present invention, it is possible to inform an insurance applicant of an appropriate insurance premium and at the same time allow the applicant to correctly understand the flood risk in the location of the insurance applicant's property. [Brief description of the drawings]

[0014] [Figure 1] FIG. 1 is a diagram showing an example of the schematic configuration of an insurance premium calculation system S. [Diagram 2] 1A is a block diagram showing an example of the general configuration of an insurance premium setting server 2, and FIG. 1B is a diagram showing an example of a functional block of a system control unit 23. FIG. [Diagram 3]FIG. 1 is a diagram showing an example of external flood risk classification and inland flood risk classification. [Figure 4] 2A is a block diagram showing an example of a schematic configuration of the insurance contract processing server 3, and FIG. 2B is a diagram showing an example of a functional block in the system control unit 33. FIG. [Diagram 5] 13 is a flowchart showing an example of the processing of the system control unit 23 during the operation of setting flood insurance premiums. [Figure 6] (A) is a matrix diagram of the net rate calculated for each combined risk category, (B) is a matrix diagram of the relative net rate index calculated for each combined risk category, and (C) is a matrix diagram of the net rate difference calculated for each combined risk category.

[0015] [Figure 7] This is a conceptual diagram showing how the net interest rate difference r^ij is calculated from the amount of insurance in force nij and the relative net interest rate index rij using the Minimum Bias method. [Figure 8] FIG. 13 is a conceptual diagram showing how the net rate difference for each combined risk category is classified by cluster analysis and the net rate difference is calculated for each rate category. [Figure 9] 10A is a flowchart showing an example of the processing of the system control unit 33 during the operation of presenting the flood insurance premium, and FIG. 10B is a flowchart showing an example of the processing of the system control unit 23 during the operation of presenting the flood insurance premium. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0016] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. The following embodiment is an embodiment in which the present invention is applied to an insurance information processing system S. In the insurance information processing system S according to this embodiment, the following operations are mainly performed: setting insurance premiums (hereinafter referred to as "flood insurance premiums") divided into multiple categories according to the flood risk for each property location (property location) using flood depth data indicating the flood depth expected due to flooding; and presenting to an insurance applicant (policyholder) flood insurance premiums, etc. according to the flood risk of the property location of the insurance applicant when applying for flood insurance. Here, flood risk includes at least one of external flood risk and internal flood risk. External flood risk means the external flood depth expected due to external flooding. Meanwhile, internal flood risk means the internal flood depth expected due to internal flooding.

[0017] [1. Configuration and functions of insurance information processing system S] First, referring to FIG. 1, the configuration and functions of the insurance information processing system S according to this embodiment will be described. FIG. 1 is a diagram showing an example of a schematic configuration of the insurance information processing system S. As shown in FIG. 1, the insurance information processing system S is configured to include an insurance application terminal 1, an insurance premium setting server 2, and an insurance contract processing server 3. The insurance application terminal 1, the insurance premium setting server 2, and the insurance contract processing server 3 are each connected to a network NW. The network NW is configured, for example, from the Internet, a mobile communication network, and its wireless base stations. Note that, although one insurance application terminal 1 is shown in the example of FIG. 1, a plurality of insurance application terminals 1 actually exist. Furthermore, the insurance premium setting server 2 and the insurance contract processing server 3 may be configured by one server.

[0018] [1-1. Configuration and Functions of Insurance Application Terminal 1] The insurance application terminal 1 is a terminal for presenting flood insurance premiums and the like to an insurance applicant when applying for insurance related to flood damage. The user (operator) of the insurance application terminal 1 is the insurance applicant or an insurance solicitor. An insurance agent is a staff member of an insurance company (or its agency) who encourages insurance applicants to apply for insurance face-to-face. The insurance application terminal 1 is installed with an application (dedicated application) and a web browser for accessing the insurance contract processing server 3 via the network NW and carrying out the application procedure for insurance related to flood damage. For example, a personal computer, a smartphone, a tablet, etc. can be used as the insurance application terminal 1, and it is equipped with a touch panel having an input function for accepting operations by a human finger, a pen, etc., and a display function for displaying information on an insurance application screen, etc.

[0019] [1-2. Configuration and Functions of Insurance Premium Setting Server 2] The insurance premium setting server 2 is a server that sets flood insurance premiums, and is composed of one or more computers. FIG. 2(A) is a block diagram showing an example of the schematic configuration of the insurance premium setting server 2. As shown in FIG. 2(A), the insurance premium setting server 2 comprises a communication unit 21, a storage unit 22, and a system control unit 23, etc. The communication unit 21 has the function of connecting to the network NW and performing communication. The storage unit 22 is composed of, for example, a hard disk drive, etc., and stores an operating system, a server program (including the information processing program of the present invention), etc. The server program may be downloaded from a specified server to the insurance premium setting server 2, or may be read from a recording medium such as a CD or DVD and stored in the storage unit 22.

[0020] In the storage unit 22, a property database 221, a flood depth database 222, a risk classification database 223, a flood insurance premium database 224, etc. are constructed. These databases may be constructed in a database server separate from the insurance premium setting server 2. The property database 221 stores property data including location information of each of a plurality of properties existing in a specific region (for example, the entire region of Japan or a prefecture region). Here, the property data is, for example, data held by an insurance company, and the property indicated in the property data is, for example, an insured building (such as the residence of the policyholder). The location information is, for example, the postal code or address of the property location, or the latitude and longitude of the property location. The property data may also include the structure of the property. Examples of the structure of the property include an apartment structure (M structure), a fireproof structure (T structure), and a non-fireproof structure (H structure).

[0021] The flood depth database 222 stores flood depth data indicating the expected flood depth due to flooding in areas including the specific area. Here, the flood depth data is, for example, data in which the flood depth is associated with the latitude and longitude of each point in the area. The flood depth data includes both or either one of external water inundation depth data indicating the expected external water inundation depth due to external water flooding in areas including the specific area, and internal water inundation depth data indicating the expected internal water inundation depth due to internal water flooding in the area. Note that the external water inundation depth data is obtained, for example, from flood expected area data or flood hazard maps created by the Ministry of Land, Infrastructure, Transport and Tourism, etc., and the internal water inundation depth data is obtained, for example, from low-level zone data created by the Ministry of Land, Infrastructure, Transport and Tourism, etc.

[0022] The risk category database 223 stores risk category data indicating multiple risk categories divided according to inundation depth. Here, the risk category data includes both or either one of external water risk category data indicating multiple external water risk categories divided according to inundation depth (external water inundation depth) and inland water risk category data indicating multiple inland water risk categories divided according to inundation depth (inland water inundation depth). Figure 3 is a diagram showing an example of external water risk categories and inland water risk categories. In the example of Figure 3, the external water risk categories and inland water risk categories are each divided into five levels, (1) to (5). For example, external water risk category (1) and inland water risk category (1) correspond to a flood depth of 0 m, external water risk category (2) and inland water risk category (2) correspond to a flood depth of more than 0 m and less than 0.5 m, external water risk category (3) and inland water risk category (3) correspond to a flood depth of 0.5 m or more and less than 2.0 m, external water risk category (4) and inland water risk category (4) correspond to a flood depth of 2.0 m or more and less than 5.0 m, and external water risk category (5) and inland water risk category (5) correspond to a flood depth of 5 m or more.

[0023] The number of such classifications is not limited to five, and may be two to four, or six or more. In the example of FIG. 3, classification (i.e., setting of the range of flood depth) is performed using the same criteria for both inland water and outside water (for example, flooding above floor level at a flood depth of 0.5 m, flooding up to the eaves of the first floor of a building at a flood depth of 2.0 m, flooding up to the eaves of the second floor of a building at a flood depth of 5.0 m, and flooding above the second floor roof at a flood depth of 5.0 m), but the classification is not limited to this, and inland water and outside water may be classified using different criteria. In the example of FIG. 3, there are 25 risk classifications (hereinafter referred to as "combined risk classifications") related to multiple combinations of outside water risk classifications (1) to (5) and inland water risk classifications (1) to (5).

[0024] The flood insurance premium database 224 stores a number of different flood insurance premiums set according to the flood risk for each property location. Here, the flood insurance premium is the commercial insurance premium to be paid by the insurance applicant at a prescribed period (e.g., once a month) after the contract is concluded by applying for flood insurance. The commercial insurance premium is made up of a pure insurance premium that is allocated to paying insurance claims to the insurance applicant from the insurance company's insurance premium income, and a surcharge insurance premium that is allocated to necessary expenses, etc. for the insurance company to operate its insurance business. Note that in this embodiment, the method of calculating the pure insurance premium is particularly unique among flood insurance premiums, so an explanation of the calculation method of the surcharge insurance premium and the surcharge insurance premium rate will be omitted.

[0025] The system control unit 23 includes a central processing unit (CPU), a read only memory (ROM), and a random access memory (RAM), and executes a server program on an operating system. FIG. 2(B) is a diagram showing an example of a functional block in the system control unit 23. By executing the server program, the system control unit 23 functions as an information acquisition unit 231, a risk classification allocation unit 232, a net rate calculation unit 233, an insurance premium setting unit 234, and the like, as shown in FIG. 2(B). Here, the information acquisition unit 231 is an example of a property data acquisition means in the present invention. The risk classification allocation unit 232 is an example of an allocation means in the present invention. The net rate calculation unit 233 is an example of a calculation means in the present invention. The insurance premium setting unit 234 is an example of a setting means in the present invention.

[0026] The information acquisition unit 231 acquires property data including location information for each of multiple properties in a specific area from the property database 221, and acquires flood depth data indicating the estimated flood depth due to flooding in an area including the specific area from the flood depth database 222. The acquired flood depth data is either or both of external water flood depth data and internal water flood depth data. The information acquisition unit 231 then matches the property data for each of the multiple properties with the flood depth data (for example, by latitude and longitude) to acquire property data with flood depth assigned to each property.

[0027] The risk classification allocation unit 232 allocates each of the property data to which the flood depth is assigned by the information acquisition unit 231 to any of the risk classifications indicated by the risk classification data based on the flood depth. In other words, for each property data, the property data is associated with the risk classification to which the assigned flood depth corresponds. Here, when using property data to which the external flood depth and the internal flood depth are assigned, the risk classification allocation unit 232 allocates each of the property data to which the external flood depth and the internal flood depth are assigned to any of the combined risk classifications (for example, any one of the 25 classifications) among the above-mentioned multiple combined risk classifications. This makes it possible to set a more appropriate flood insurance premium from the two perspectives of external flood risk and internal flood risk. For example, in the case of property data to which an external flood depth of 2.2 m and an internal flood depth of 0.6 m are assigned, in the example of FIG. 3, the property data is allocated to the combined risk classification of external flood risk classification (4) and internal flood risk classification (3).

[0028] The net rate calculation unit 233 calculates a net insurance premium rate (hereinafter referred to as a "net rate") for each risk category based on the allocation result by the risk category allocation unit 232. For example, the net rate calculation unit 233 calculates the risk amount for each risk category by executing a simulation using a preset flood risk model. This makes it possible to set a more appropriate flood insurance premium using an appropriate net rate according to the risk amount. Here, the flood risk model is set with a function that represents the probability distribution of, for example, the number of flood occurrences and the damage ratio in a specified period, and information related to the property data allocated to the risk category (for example, the subject of insurance, the number of properties, the structure of the properties, etc.) is input to the flood risk model, and the risk amount is obtained as its output value.

[0029] The predetermined period is the period (e.g., years) to be simulated, and can be set to, for example, 10,000 years, 50,000 years, or 100,000 years. The net rate calculation unit 233 then calculates the net rate for each risk category based on the risk amount for each risk category and the insurance amount held for each risk category. Here, the insurance amount held means, for example, the total amount of insurance for all valid contracts of the insurance company at any point in time. When the risk category allocation unit 232 allocates to a combined risk category, the net rate is calculated for each combined risk category based on the allocation result. The net rate may also be calculated for each risk category and for each structure of the property (e.g., M structure, T structure, H structure).

[0030] The insurance premium setting unit 234 sets flood insurance premiums divided into a plurality of categories based on the net rate calculated for each risk category by the net rate calculation unit 233. For example, the insurance premium rate is calculated by adding the additional insurance premium rate to the net rate, and the flood insurance premium is calculated (set) by multiplying the insurance amount by this insurance premium rate. Here, the insurance amount is the maximum amount of insurance money that the insurance company will pay when an insured accident occurs.

[0031] When the net rate calculation unit 233 calculates the net rate for each combined risk category, flood insurance premiums are set for multiple categories based on the net rate calculated for each combined risk category. However, from the viewpoint of ease of handling and reliability of flood insurance premiums, it is desirable to aggregate the combined risk categories and set flood insurance premiums for categories with a number smaller than the combined risk categories. In this case, the premium setting unit 234 calculates the difference in net rate between each combined risk category and other combined risk categories (hereinafter referred to as "net rate difference"), classifies the net rate difference by cluster analysis, obtains the net rate difference for multiple rate categories that are smaller than the combined risk category, and sets the flood insurance premium for each rate category based on the net rate difference for each rate category. In this way, a more appropriate flood insurance premium can be set using the net rate difference for each rate category. The net rate difference may be classified by calculation using a statistical method other than cluster analysis.

[0032] [1-3. Configuration and functions of insurance contract processing server 3] The insurance contract processing server 3 is a server that communicates with the insurance application terminal 1 via the network NW when applying for insurance related to flood damage, and is composed of one or more computers. FIG. 4(A) is a block diagram showing a schematic configuration example of the insurance contract processing server 3. As shown in FIG. 4(A), the insurance contract processing server 3 includes a communication unit 31, a storage unit 32, and a system control unit 33. The communication unit 31 has a function of connecting to the network NW and communicating. The storage unit 32 is composed of, for example, a hard disk drive, and stores an operating system, a server program (including the information processing program of the present invention), and the like. The server program may be downloaded from a predetermined server to the insurance contract processing server 3, or may be read from a recording medium such as a CD or DVD and stored in the storage unit 32.

[0033] The system control unit 33 includes a CPU, a ROM, a RAM, etc., and executes a server program, etc. on an operating system. FIG. 4(B) is a diagram showing an example of a functional block in the system control unit 33. By executing the server program, etc., the system control unit 33 functions as an information input unit 331, an insurance information acquisition unit 332, an insurance information presentation unit 333, etc., as shown in FIG. 4(B). Here, the information input unit 331 is an example of the input means in the present invention. The insurance information acquisition unit 332 is an example of the insurance premium acquisition means in the present invention. The insurance information presentation unit 333 is an example of the presentation means in the present invention.

[0034] The information input unit 331 inputs (receives) location information of the property to be insured, specified by the insurance applicant at the insurance application terminal 1, from the insurance application terminal 1 via the network NW. The insurance information acquisition unit 332 acquires, from the insurance premium setting server 2, the flood insurance premium corresponding to the location information (e.g., latitude and longitude) input by the information input unit 331, from among the flood insurance premiums set in a plurality of categories by the insurance premium setting unit 234 of the insurance premium setting server 2. At this time, the insurance information acquisition unit 332 may acquire information (hereinafter referred to as "flood risk information") related to flood risk (i.e., flood depth) corresponding to the location information input by the information input unit 331 from the insurance premium setting server 2.

[0035] The insurance information presenting unit 333 transmits the insurance information including the flood insurance premium acquired by the insurance information acquiring unit 332 to the insurance application terminal 1 via the network NW and displays it on the insurance application screen, thereby presenting the insurance information including the flood insurance premium to the insurance applicant. This makes it possible to inform the insurance applicant of an appropriate flood insurance premium that does not seem unfair. In addition, when the flood insurance premium is presented to the insurance applicant, it is preferable that the flood risk information acquired by the insurance information acquiring unit 332 is presented to the insurance applicant. This makes it possible to inform the insurance applicant of an appropriate flood insurance premium and at the same time allow the insurance applicant to correctly understand the flood risk at the location of the insurance applicant's property. In this case, the insurance information presenting unit 333 transmits the insurance information including the flood insurance premium and the flood risk information to the insurance application terminal 1.

[0036] The flood disaster risk information may include information on an external flood risk category that corresponds to the location information input by the information input unit 331 out of a plurality of external flood risk categories, and information on an inland flood risk category that corresponds to the location information input by the information input unit 331 out of a plurality of inland flood risk categories. Here, the information on the external flood risk category may be the level of the external flood risk category (any of (1) to (5) in the example of FIG. 3) or the inundation depth corresponding to the external flood risk category. Also, the information on the inland flood risk category may be the level of the inland flood risk category (any of (1) to (5) in the example of FIG. 3) or the inundation depth corresponding to the inland flood risk category.

[0037] [2. Operation of insurance information processing system S] Next, a description will be given of the operation of the insurance information processing system S according to this embodiment. Note that in the operation described below, both the external water inundation depth data and the internal water inundation depth data are used.

[0038] [2-1. Flood insurance premium setting operation] First, an example of the operation of setting flood insurance premiums by the insurance premium setting server 2 will be described with reference to Fig. 5 etc. Fig. 5 is a flowchart showing an example of the processing of the system control unit 23 during the operation of setting flood insurance premiums.

[0039] The process shown in Fig. 5 is started, for example, according to an instruction from an administrator of an insurance company. When the process shown in Fig. 5 is started, the system control unit 23 (information acquisition unit 231) acquires property data including location information (here, the addresses of the property locations) of each of a plurality of properties existing in a specific area from the property database 221 (step S1). Each piece of property data acquired in this manner is stored in a predetermined area of ​​the RAM in the system control unit 23. Next, the system control unit 23 (information acquisition unit 231) converts the address of the property included in each piece of property data acquired in step S1 into latitude and longitude (step S2).

[0040] Next, the system control unit 23 (information acquisition unit 231) acquires the external water inundation depth data and the internal water inundation depth data from the inundation depth database 222 (step S3). The external water inundation depth data and the internal water inundation depth data acquired in this manner are stored in a predetermined area of ​​the RAM in the system control unit 23. Next, the system control unit 23 (information acquisition unit 231) acquires each property data item to which the external water inundation depth and the internal water inundation depth have been assigned by matching each property data item in which the property address has been converted into latitude and longitude in step S2 with the external water inundation depth data and the internal water inundation depth data acquired in step S3 (step S4).

[0041] Next, the system control unit 23 (information acquisition unit 231) acquires the open water risk category data and the inland water risk category data from the risk category database 223 (step S5). Next, the system control unit 23 (information acquisition unit 231) identifies a plurality of combined risk categories of the open water risk category and the inland water risk category, based on the open water risk category data and the inland water risk category data acquired in step S5 (step S6).

[0042] Next, the system control unit 23 (risk category allocation unit 232) allocates each of the property data acquired in step S4 to one of the multiple combined risk categories identified in step S6 based on the external water inundation depth and internal water inundation depth (step S7). Next, the system control unit 23 (net rate calculation unit 233) calculates the amount of risk for a predetermined period (the period covered by the simulation) for each combined risk category by running a simulation using the property data allocated to each combined risk category in step S7 and the flood risk model (step S8).

[0043] Next, the system control unit 23 (the net rate calculation unit 233) calculates the net rate for each combined risk category based on the risk amount for the predetermined period for each combined risk category and the insurance amount held for each combined risk category calculated in step S8 (step S9). For example, the net rate per unit period (for example, one month or one year) is calculated for each combined risk category by dividing the value calculated by dividing the risk amount for the predetermined period by the insurance amount held (= the risk amount for the predetermined period / the insurance amount held), by the above-mentioned predetermined period. FIG. 6(A) is a diagram showing the net rate calculated for each combined risk category in a matrix. In FIG. 6(A), values ​​in some fields are omitted (denoted as [xxxx]) (the same applies to FIG. 6(B) and FIG. 6(C)). As shown in FIG. 6(A), the net rate is higher for the combined risk category with a higher external flood risk and internal flood risk (i.e., a larger inundation depth). The total shown in FIG. 6(A) is the overall net rate obtained by taking a weighted average (for example, a weighted average using the amount of insurance in force as a weight) of the net rates of all combined risk categories.

[0044] Next, the system control unit 23 (insurance premium setting unit 234) calculates a relative purity rate index (=pure rate of combined risk category / overall purity rate) for each combined risk category by dividing the purity rate for each combined risk category calculated in step S9 by the overall purity rate (step S10). Figure 6(B) is a diagram showing the relative purity rate index calculated for each combined risk category in a matrix. Each relative purity rate index is the ratio of the purity rate of the combined risk category to the overall purity rate (0.100 in the example of Figure 6(B)).

[0045] Next, the system control unit 23 (insurance premium setting unit 234) calculates the net rate difference between each combined risk category and other combined risk categories (i.e., calculates the net rate difference between combined risk categories) (step S11). Figure 6 (C) is a diagram showing the net rate difference calculated for each combined risk category in a matrix. The net rate difference for each combined risk category may be calculated by the Minimum Bias method using the insurance amount held for each combined risk category and the relative net rate index for each combined risk category. However, the net rate difference for each combined risk category may be calculated by a method other than the Minimum Bias method. The Minimum Bias method is a method of finding the rate coefficients x^i, y^j by solving the following simultaneous equations.

number

[0046] where n ij is the amount of insurance coverage for each combined risk category, and r ij is the relative net rate index for each combined risk category. r^ ij is the net rate difference for each combination risk category, and for the additive type, r^ ij =x^ i +y^ j It is calculated as r^ ij =x^ i ×y^ j Figure 7 shows the minimum bias method for the amount of insurance in force n ij and the relative purity index r ijfrom the net rate difference r^ ij FIG. 13 is a conceptual diagram showing how to find the

[0047] It is believed that there is a certain correlation between external flood risk categories and inland flood risk categories (for example, both external and inland flood risks are higher at low altitudes than at high altitudes), but it is desirable to eliminate such correlation. The Minimum Bias method makes it possible to eliminate correlation when there is a correlation between risk categories. As a method for eliminating correlation between combined risk categories, in addition to calculations using the Minimum Bias method, the GLM method may be used, or a method other than these may be used.

[0048] Next, the system control unit 23 (insurance premium setting unit 234) classifies the net rate difference for each combined risk category calculated in step S11 by cluster analysis (step S12). Next, the system control unit 23 (insurance premium setting unit 234) calculates the net rate difference for each rate category by weighting the net rate difference classified in step S12 by the retained insurance amount for each combined risk category (i.e., calculates the net rate difference between rate categories) (step S13).

[0049] FIG. 8 is a conceptual diagram showing how the net rate difference for each combined risk category is classified by cluster analysis and the net rate difference is calculated for each rate category. In FIG. 8, as in FIG. 6(C), values ​​in some fields are omitted (denoted as [xxxx]). In the example of FIG. 8, the net rate difference for 25 combined risk categories is classified into four rate categories (category A to category D) (i.e., classified by three different thresholds), and the net rate difference is calculated for each rate category. For example, as shown in FIG. 8, rate category A includes the net rate difference for seven combined risk categories (A1 to A7). The rate category is not limited to four categories, and may be two to three categories, or may be five or more categories. However, the more rate categories there are, the more the flood insurance premium for the rate category at the edge increases, so it is desirable to have about four rate categories.

[0050] Next, the system control unit 23 (insurance premium setting unit 234) calculates a net rate for each rate category by multiplying the net rate difference for each rate category calculated in step S13 by a single national net rate (step S14). The single national net rate is set in advance, and is, for example, a net rate obtained by correcting the reference net rate calculated by the Non-Life Insurance Rating Organization (by correcting the difference between "the coverage of the insurance company's product" and "the coverage on which the reference net rate is based"). Next, the system control unit 23 (insurance premium setting unit 234) calculates an insurance premium rate by adding the additional insurance premium rate to the net rate for each rate category calculated in step S14, and sets a flood insurance premium for each rate category by multiplying the insurance amount by the insurance premium rate (step S15).

[0051] The flood insurance premiums thus set for each rate category are associated with each rate category and stored in flood insurance premium database 22. At this time, it is preferable that each rate category is associated with the combined risk category on which the respective rate category is based (i.e., the combined risk category belonging to each rate category) and stored in flood insurance premium database 22. For example, seven combined risk categories (A1 to A7) are associated with rate category A. Furthermore, the flood depth data may be associated with rate categories or flood insurance premiums for the latitude and longitude of each point.

[0052] In addition, when the net rate is calculated for each property structure (e.g., M structure, T structure, H structure), property data is acquired separately for each property structure in step S1, and the processing of steps S2 to S15 is performed using the property data acquired for each property structure.

[0053] [2-2. Presentation of flood insurance premiums] Next, the operation of presenting flood insurance premiums by the insurance contract processing server 3 will be described with reference to Fig. 9. Fig. 9(A) is a flowchart showing an example of the processing of the system control unit 33 when presenting flood insurance premiums, and Fig. 9(B) is a flowchart showing an example of the processing of the system control unit 23 when presenting flood insurance premiums. The operation of presenting flood insurance premiums is an operation for solving the problem of informing the insurance applicant of an appropriate flood insurance premium that does not seem unfair, and further allowing the applicant to correctly understand the flood risk at the location of the insurance applicant's property.

[0054] The process shown in Fig. 9(A) is started, for example, when a request is received from the insurance application terminal 1 that has accessed the insurance contract processing server 3. When the process shown in Fig. 9(A) is started, the system control unit 33 of the insurance contract processing server 3 transmits display data for displaying an insurance application screen to the insurance application terminal 1 via the communication unit 31 and the network NW (step S21). As a result, the insurance application screen is displayed on the insurance application terminal 1.

[0055] When the insurance application terminal 1 accesses the insurance contract processing server 3 via a browser, the display data is structured document data (e.g., HTML (Hyper Text Markup Language) document, XHTML document, etc.) constituting the web page of the insurance application screen. On the other hand, when the insurance application terminal 1 accesses the insurance contract processing server 3 via a dedicated application, the display data is text data, etc., to be displayed on the insurance application screen that is pre-stored in the insurance application terminal 1.

[0056] When the insurance applicant specifies the property to be insured on the insurance application screen displayed in this manner, location information of the property is transmitted from the insurance application terminal 1 to the insurance contract processing server 3 via the network NW. The property may be specified by inputting the address of the property into an address input field provided on the insurance application screen, or by selecting a point (corresponding to latitude and longitude) where the property is located on a map displayed on the insurance application screen. Alternatively, the property may be specified by inputting the name of the property into a property name input field provided on the insurance application screen, in which case the address is searched for from the property name.

[0057] The system control unit 33 (information input unit 331) inputs the location information (address of the property location, or latitude and longitude of the property location) received from the insurance application terminal 1 through the communication unit 31 (step S22). Next, the system control unit 33 (insurance information acquisition unit 332) transmits a request including the location information input in step S22 to the insurance premium setting server 2 via the communication unit 31 and the network NW (step S23).

[0058] Meanwhile, when the system control unit 23 of the insurance premium setting server 2 receives a request including location information from the insurance contract processing server 3, it starts the process shown in Fig. 9(B). When the process shown in Fig. 9(B) starts, the system control unit 23 acquires external water inundation depth data and inland water inundation depth data from the inundation depth database 222 (step S31). Next, the system control unit 23 acquires external water risk classification data and inland water risk classification data from the risk classification database 223 (step S32).

[0059] Next, the system control unit 23 refers to the external water inundation depth data and internal water inundation depth data acquired in step S31, and identifies the external water inundation depth and internal water inundation depth of the property location identified by the location information (e.g., latitude and longitude) included in the request (step S33). Note that if the location information is an address, the address may be converted into latitude and longitude, and then the external water inundation depth and internal water inundation depth associated with the latitude and longitude may be identified.

[0060] Next, the system control unit 23 refers to the external water risk category data and inland water risk category data acquired in step S32, and identifies the external water risk category to which the external water inundation depth identified in step S33 corresponds, and the inland water risk category to which the inland water inundation depth identified in step S33 corresponds (step S34). Next, the system control unit 23 identifies a combined risk category relating to the combination of the external water risk category and inland water risk category identified in step S34 (step S35).

[0061] Next, the system control unit 23 acquires the flood insurance premium for the rate category associated with the combined risk category identified in step S35 (i.e., the rate category to which the combined risk category belongs) from the flood insurance premium database 224 (step S36). Next, the system control unit 23 acquires flood risk information including information on the external flood risk category and the internal flood risk category identified in step S34 (step S37). Next, the system control unit 23 transmits insurance information including the flood insurance premium acquired in step S36 and the flood risk information acquired in step S37 to the insurance contract processing server 3 via the communication unit 21 and the network NW as insurance information corresponding to the location information included in the request (step S38).

[0062] When the system control unit 33 (insurance information acquisition unit 332) of the insurance contract processing server 3 receives (acquires) the insurance information corresponding to the location information from the premium setting server 2 (step S24), the system control unit 33 (insurance information presentation unit 333) transmits the acquired insurance information to the insurance application terminal 1 via the communication unit 31 and the network NW (step S25). As a result, the flood insurance premium and flood risk information corresponding to the location information are displayed on the insurance application screen of the insurance application terminal 1 and presented to the insurance applicant. Note that the insurance contract processing server 3 may execute the process shown in FIG. 9(B) by directly accessing the databases 222-224.

[0063] As described above, according to the above embodiment, the premium setting server 2 is configured to obtain property data with flood depth assigned for each property by matching property data including location information for each of a plurality of properties in a specific area with flood depth data indicating the estimated flood depth due to flooding in an area including the specific area, to allocate each of the property data with flood depth assigned to one of a plurality of risk categories classified according to the flood depth, to calculate a net rate for each risk category based on the allocation results, and to set flood insurance premiums classified into a plurality of categories based on the net rate calculated for each risk category, so that appropriate flood insurance premiums can be set according to the flood risk for each property location. In other words, flood insurance premiums can be subdivided according to flood risk, which can eliminate the sense of unfairness felt by insurance applicants in paying flood insurance premiums.

[0064] According to the above embodiment, the insurance contract processing server 3 is configured to input location information of the insured property designated by the insurance applicant, and obtain the flood insurance premium corresponding to the input location information from among the flood insurance premiums set in a plurality of categories according to flood risk, and present it to the insurance applicant. This allows the insurance applicant to be informed of an appropriate flood insurance premium that does not seem unfair to the insurance applicant, and promotes the establishment of an insurance contract. Furthermore, the insurance contract processing server 3 is configured to present the insurance applicant with flood risk information corresponding to the input location information when presenting the flood insurance premium to the insurance applicant, so that the insurance applicant can be informed of an appropriate flood insurance premium and can correctly grasp the flood risk at the location of the insurance applicant's property at the same time. In other words, the insurance company can inform the insurance applicant of the flood risk through the insurance procedure, and can inform the applicant of the flood insurance premium commensurate with the flood risk, and can further promote disaster prevention measures.

[0065] Although one embodiment of the present invention has been described above, the present invention is not limited to the above embodiment, and various modifications may be made to the above embodiment without departing from the gist of the present invention, and such modifications are also included in the technical scope of the present invention. In the above embodiment, the present invention is applied to the case where flood insurance premiums are set, but the present invention can be applied to disaster insurance premiums other than flood insurance premiums. For example, in the above embodiment, in addition to flood risk (or instead of flood risk), it is possible to set insurance premiums according to at least one of disaster risks, landslide risk and storm surge risk, in the hazard map, and obtain and present the disaster insurance premium corresponding to the location information input by the insurance applicant to the insurance applicant. For example, in the case of landslide risk, "flood depth" is read as "risk level (or sediment accumulation amount)", and "flood depth data indicating the flood depth expected due to flooding" is read as "risk level data indicating the risk level expected due to landslide". On the other hand, in the case of storm surge risk, "flood depth data indicating the flood depth expected due to flooding" is read as "flood depth data indicating the flood depth expected due to storm surge". [Explanation of symbols]

[0066] 1 Insurance application terminal 2. Insurance premium setting server 3 Insurance contract processing server 21 Communications Department 22 Memory section 23 System Control Unit 231 Information Acquisition Department 232 Risk Classification Division 233 Purity calculation part 234 Insurance Premium Setting Department 31 Communications Department 32 Storage section 33 System Control Unit 331 Information Input Section 332 Insurance Information Acquisition Department 333 Insurance Information Presentation Department S Insurance information processing system NW Network

Claims

1. An input means for inputting location information of an insured property designated by an insurance applicant; A flood depth data acquisition means for acquiring, from a flood depth database, external flood depth data indicating the external flood depth expected due to external flooding in a specified area, and internal flood depth data indicating the internal flood depth expected due to internal flooding in the specified area; a risk classification data acquisition means for acquiring, from a risk classification database, external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth, and internal water risk classification data indicating internal water risk classifications divided into a plurality of categories according to the internal water inundation depth; A flood depth identification means for identifying the external water flood depth and the internal water flood depth of a property location identified by the location information input by the input means, by referring to the external water flood depth data and the internal water flood depth data acquired by the flood depth data acquisition means; a risk category identification means for identifying the external water risk category to which the external water inundation depth identified by the inundation depth identification means corresponds and the inundation risk category to which the inundation depth identified by the inundation depth identification means corresponds, by referring to the external water risk category data and the inundation risk category data acquired by the risk category data acquisition means; an insurance premium acquisition means for acquiring an insurance premium corresponding to the location information input by the input means, from among insurance premiums divided into a plurality of categories according to flood disaster risk; a presentation means for simultaneously presenting to the insurance applicant the insurance premium acquired by the insurance premium acquisition means, information on the open water risk category identified by the risk category identification means, and information on the inland water risk category identified by the risk category identification means; An information processing device comprising:

2. The information processing device according to claim 1, characterized in that the information on the external flood risk category is the level of the external flood risk category, and the information on the inland flood risk category is the level of the inland flood risk category.

3. An information processing device as described in claim 1 or 2, characterized in that the insurance premium acquisition means acquires an insurance premium corresponding to a combined risk classification relating to a combination of the external flood risk classification corresponding to the location information input by the input means and the inland flood risk classification corresponding to the location information input by the input means.

4. 4. The information processing device according to claim 3, wherein the insurance premiums corresponding to the combined risk categories are insurance premiums divided into a plurality of categories based on pure insurance premium rates calculated for each of the combined risk categories.

5. An information processing device as described in any one of claims 1 to 4, characterized in that the insurance premium acquisition means acquires an insurance premium corresponding to the location information input by the input means, and from the insurance premiums calculated for each property structure, an insurance premium corresponding to the structure of the property to be insured.

6. 1. A method of information processing implemented by one or more computers, comprising: inputting location information of the property to be insured designated by the insurance applicant; Acquiring from a flood depth database external water inundation depth data indicating the external water inundation depth expected due to external water flooding in a specified area, and internal water inundation depth data indicating the internal water inundation depth expected due to internal water flooding in the specified area; A step of acquiring, from a risk classification database, external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth, and internal water risk classification data indicating internal water risk classifications divided into a plurality of categories according to the internal water inundation depth; A step of referring to the acquired external water inundation depth data and internal water inundation depth data to identify the external water inundation depth and internal water inundation depth of the property location identified by the input location information; A step of referring to the acquired external water risk classification data and internal water risk classification data to identify the external water risk classification to which the identified external water inundation depth corresponds and the internal water risk classification to which the identified internal water inundation depth corresponds; A step of acquiring an insurance premium corresponding to the input location information from among insurance premiums classified into a plurality of categories according to flood disaster risk; a presentation step of simultaneously presenting the acquired insurance premium, information on the specified external water risk category, and information on the specified internal water risk category to the insurance applicant; 13. An information processing method comprising:

7. Computer, An input means for inputting location information of an insured property designated by an insurance applicant; A flood depth data acquisition means for acquiring, from a flood depth database, external flood depth data indicating the external flood depth expected due to external flooding in a specified area, and internal flood depth data indicating the internal flood depth expected due to internal flooding in the specified area; a risk classification data acquisition means for acquiring, from a risk classification database, external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth, and internal water risk classification data indicating internal water risk classifications divided into a plurality of categories according to the internal water inundation depth; A flood depth identification means for identifying the external water flood depth and the internal water flood depth of a property location identified by the location information input by the input means, by referring to the external water flood depth data and the internal water flood depth data acquired by the flood depth data acquisition means; a risk category identification means for identifying the external water risk category to which the external water inundation depth identified by the inundation depth identification means corresponds and the inundation risk category to which the inundation depth identified by the inundation depth identification means corresponds, by referring to the external water risk category data and the inundation risk category data acquired by the risk category data acquisition means; an insurance premium acquisition means for acquiring an insurance premium corresponding to the location information input by the input means, from among insurance premiums divided into a plurality of categories according to flood disaster risk; An information processing program characterized by functioning as a presentation means that simultaneously presents to the insurance applicant the insurance premium acquired by the insurance premium acquisition means, information on the external flood risk category identified by the risk category identification means, and information on the inland flood risk category identified by the risk category identification means.

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