Information processing device, insurance premium determination method, and system

Abstract

To accurately calculate a possibility of causing running out of electricity.SOLUTION: An information processor comprises: a risk calculation unit which calculates a degree of risk in which the risk that a charge amount of a battery becomes less than a predetermined amount while a mobile body is traveling is indexed on the basis of information about the power consumption of the battery mounted in the mobile body; and an insurance premium determination unit which determines an insurance premium according to the degree of risk.SELECTED DRAWING: Figure 7

Description

[Technical field]

[0001] The present disclosure relates to an information processing device, an insurance premium determination method, and a system. [Background technology]

[0002] It is expected that electric vehicles and other electrically powered vehicles will be deployed in logistics operations such as deliveries in the future. In logistics operations, for example, if the battery charge is insufficient and a so-called power shortage occurs, it can cause delivery delays and other business losses. For this reason, technology that can accurately estimate the risk of power shortage is desired. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] International Publication No. 2014 / 049878 Summary of the Invention [Problem to be solved by the invention]

[0004] An object of the present disclosure is to provide an information processing device, an insurance premium determination method, and a system that can accurately calculate the possibility of running out of power. [Means for solving the problem]

[0005] The information processing device according to the present disclosure includes a risk calculation unit that calculates a risk level by indexing the risk that the charge level of a battery mounted on a mobile body will fall below a predetermined level while the mobile body is traveling based on information regarding the power consumption of the battery, and an insurance premium determination unit that determines an insurance premium according to the risk level. The risk level calculation unit calculates a predicted value of the power consumption of the battery based on the information, calculates a reach probability indicating a probability that the moving body can reach a predetermined destination based on the predicted value, and calculates the risk level based on the reach probability. . Effect of the Invention

[0006] According to the information processing device, insurance premium determination method, and system disclosed herein, the possibility of running out of power can be calculated with high accuracy. [Brief description of the drawings]

[0007] [Figure 1] FIG. 1 is an overall view showing an example of the configuration of an insurance premium determination system according to the first embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of the configuration of a BMU, a CMU, and a battery according to the first embodiment. [Diagram 3] FIG. 3 is a block diagram illustrating an example of a functional configuration of the BMU according to the first embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of how the power of the battery is used according to the first embodiment. [Diagram 5] FIG. 5 is a block diagram of an example of a functional configuration of the information terminal according to the first embodiment. [Figure 6] FIG. 6 is a diagram illustrating various types of information collected by the information terminal according to the first embodiment. [Figure 7] FIG. 7 is a block diagram of an example of a functional configuration of the server device according to the first embodiment. [Figure 8] FIG. 8 is a diagram illustrating an example of a reference map used by the server device according to the first embodiment to generate a power consumption map. [Figure 9] FIG. 9 is a diagram illustrating an example of a power consumption map generated by the server device according to the first embodiment. [Figure 10] FIG. 10 is a diagram illustrating an example of a power consumption map generated by the server device according to the first embodiment. [Figure 11] FIG. 11 is a diagram illustrating an example in which the server device according to the first embodiment calculates a predicted value of power consumption based on a power consumption map. [Figure 12] FIG. 12 is a flowchart illustrating an example of a procedure of insurance premium determination processing by the server device according to the first embodiment. [Figure 13] FIG. 13 is a diagram illustrating an example of a reference map used by a server device according to a modification of the first embodiment to generate a power consumption map. [Figure 14]FIG. 14 is an overall view showing an example of the configuration of an insurance premium determination system according to the second embodiment. [Figure 15] FIG. 15 is a block diagram illustrating an example of a functional configuration of the server device according to the second embodiment. As illustrated in FIG. [Figure 16] FIG. 16 is a flowchart illustrating an example of a procedure of insurance premium determination processing by the server device according to the second embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0008] Hereinafter, embodiments of an information processing device, an insurance premium determination method, and a system according to the present disclosure will be described with reference to the drawings.

[0009] [Embodiment 1] The first embodiment will be described with reference to the drawings.

[0010] (Example of insurance premium determination system configuration) Fig. 1 is an overall diagram showing an example of the configuration of an insurance premium determination system 1 according to embodiment 1. As shown in Fig. 1, the insurance premium determination system 1 includes a vehicle control system 110 mounted on a vehicle 10, a server device 20 placed on a cloud, an information terminal 301 of an insurance company 30, and an information terminal 501 of a delivery company 50.

[0011] The vehicles 10 as the multiple moving bodies are vehicles that are the subject of a contract for vehicle insurance or the like, for example, owned by a delivery company 50 that is an insured party of an insurance company 30. However, the moving bodies may also be electric two-wheeled vehicles or the like. The insurance company 30 sets insurance premiums for these vehicles 10. Each of the multiple vehicles 10 is equipped with a vehicle control system 110 that is connected to a server device 20 via a network.

[0012] The vehicle 10 is an electric vehicle (EV) that is driven using power from a battery 130. However, the vehicle 10 may also be a hybrid vehicle (HV) that uses power from an internal combustion engine or the like in addition to the power from the battery 130.

[0013] The vehicle 10 is a vehicle driven by a driver who is, for example, an employee of a delivery company 50. The vehicle 10 may be capable of autonomous driving. Alternatively, the vehicle 10 may be an autonomous vehicle that is not operated by human beings, such as being operated by a robot or the like.

[0014] The vehicle control system 110 includes a telematics control unit (TCU) 104, a central gateway (CGW) 103, an electronic control unit (ECU) 102, a battery management unit (BMU) 101, a plurality of batteries 130a to 130n, and a charging device 105.

[0015] These components are connected by an in-vehicle network 120. The in-vehicle network 120 is, for example, a CAN (Controller Area Network). Note that, in the vehicle control system 110, all components may be connected to one in-vehicle network 120, or may be divided into in-vehicle networks with multiple channels and connected.

[0016] Each of the batteries 130a to 130n supplies power for driving the vehicle 10. In this specification, when the batteries 130a to 130n are not to be distinguished from one another, they may be simply referred to as the battery 130. There may be only one battery 130. The battery 130 is a rechargeable secondary battery, such as a lithium ion battery. However, the type of the battery 130 is not particularly limited, and may be, for example, a nickel-metal hydride battery.

[0017] The charging device 106 charges the battery 130 with, for example, electric power supplied from an external source to the vehicle 10 or regenerated electric power.

[0018] The BMU 101 as a second information generating unit collects various data indicating the state of the battery 130, analyzes the state of the battery 130 from the acquired various data, and transmits the analysis result to the ECU 102 via the in-vehicle network 120. The BMU 101 is also called a BMS (Battery Management System).

[0019] The battery information collected by the BMU 101 includes various measurement values ​​such as the voltage, current, temperature, and internal resistance of the battery 130. The BMU 101 calculates the battery's state of health (SOH) and state of charge (SOC), etc., from the various measurement values.

[0020] SOH is the percentage of the current fully charged capacity (Ah) compared to the initial fully charged capacity (Ah). The closer the SOH value is to 100%, the lower the degree of deterioration. SOC is the percentage of the remaining capacity (Ah) compared to the fully charged capacity (Ah). The ideal usage state of the battery 130 is when the SOC value is around 50%, which is the median value.

[0021] Note that the BMU 101 may not only collect information from the battery 130 and perform calculations, but may also collect information relating to the battery from an external source and perform calculations relating to the battery based on the information collected from the outside.

[0022] The ECU 102 is a vehicle control unit (VCU) that controls the entire vehicle 10. The ECU 102 transmits battery information, such as the SOH and SOC, acquired from the BMU 101 to the server device 20 via the CGW 103 and the TCU 104.

[0023] The TCU 104 has a function of performing wireless communication with an external device, and performs wireless communication with, for example, the server device 20. The CGW 103 relays data communication between the ECU 102 and the outside.

[0024] The information terminal 501 manages the vehicles 10 owned by the delivery company 50. The information terminal 501 is a PC (Personal Computer) or a tablet terminal or the like installed in the delivery company 50. The information terminal 501 determines a delivery route for each vehicle 10 based on delivery information and the like. The information terminal 501 also collects driving history information relating to the driving history of the vehicles 10 traveling along the delivery route. The information terminal 501 also connects to the server device 20 wirelessly or via a wired connection, and transmits the collected driving history information to the server device 20.

[0025] The server device 20 as an information processing device is owned, for example, by a service provider that provides an insurance premium calculation service to the insurance company 30. The server device 20 may be configured, for example, by one server device, or may be configured by multiple server devices connected to the Internet.

[0026] The server device 20 receives battery information on the battery 130 transmitted from each vehicle 10. The server device 20 also receives driving history information on each vehicle 10 transmitted from the information terminal 501. The server device 20 has a function of determining insurance premiums to be set for each vehicle 10 based on the information. The server device 20 also transmits information on the determined insurance premiums to the information terminal 301 of the insurance company 30.

[0027] The insurance company 30 receives an insurance premium calculation service from a service provider. The information terminal 301 is a PC, a tablet terminal, or the like installed at the insurance company 30. The information terminal 301 is connected to the server device 20 wirelessly or via a wired connection, and receives information on insurance premiums determined by the server device 20 from the server device 20.

[0028] (Example of battery configuration) FIG. 2 is a diagram showing an example of the configuration of the BMU 101, the CMUs 131a to 131n, and the batteries 130a to 130n according to the first embodiment.

[0029] 2, CMUs (Cell Monitoring Units) 131a to 131n are provided in a one-to-one correspondence with the batteries 130a to 130n. In this specification, when the individual CMUs 131a to 131n are not to be distinguished from one another, they may simply be referred to as CMU 131.

[0030] The CMU 131 includes various sensors, such as a current sensor, a voltage sensor, and a temperature sensor, that measure the state of the battery 130. Note that these sensors may be provided outside the CMU 131, and the CMU 131 may acquire measurement values ​​from these sensors.

[0031] The batteries 130 are connected in parallel, for example. The BMU 101 acquires the above-mentioned various data from each of the batteries 130 connected in parallel.

[0032] (Example of BMU functional configuration) 3 is a block diagram showing an example of a functional configuration of the BMU 101 according to the embodiment 1. As shown in FIG.

[0033] The acquisition unit 111, the calculation unit 112, the determination unit 113, and the output unit 114 are provided as programs in a format executable by a computer, stored in the memory of the BMU 101. The processor of the BMU 101 reads out the programs from the memory and executes them to realize the functions corresponding to each of the above units.

[0034] The programs executed by BMU101 may be configured to be provided by recording them on a computer-readable recording medium such as a CD-ROM, a flexible disk (FD), a CD-R, or a digital versatile disk (DVD) in an installable or executable format file.

[0035] The programs executed by the BMU 101 may be stored on a computer connected to a network such as the Internet and provided by being downloaded via the network. The programs executed by the BMU 101 may be executed via a network such as the Internet without being downloaded to and installed on the BMU 101.

[0036] Alternatively, some or all of the functions of the acquisition unit 111, the calculation unit 112, the determination unit 113, and the output unit 114 may be realized by a dedicated hardware circuit.

[0037] The acquisition unit 111 acquires measurement values ​​such as the voltage, current, and temperature of the battery 130 from the CMU 131 based on predetermined acquisition conditions. The acquisition conditions are determined by the determination unit 113, for example, and include a collection cycle for collecting data, a type of data to be collected, etc. The acquisition unit 111 sends the acquired measurement values ​​to the calculation unit 112, the determination unit 113, and the output unit 114.

[0038] The calculation unit 112 calculates calculation values ​​representing the characteristics of the batteries 130 based on the measurement values ​​acquired by the acquisition unit 111. As an example, the calculation unit 112 calculates the SOH, SOC, and power consumption of each battery 130. The calculation unit 112 sends the calculated SOH, SOC, power consumption, etc. to the determination unit 113 and the output unit 114.

[0039] The determination unit 113 determines the degradation state of the battery 130 from the SOH value calculated by the calculation unit 112, and sets collection conditions according to the degradation state. At this time, the determination unit 113 may determine the presence or absence of degradation based on the average or median value of the SOH of the multiple batteries 130, or may determine the presence or absence of degradation based on the worst value of the SOH of the multiple batteries 130.

[0040] The determination unit 113 determines the deterioration state of the battery 130 based on these values, and sets the collection period defined in the collection condition to be shorter as the deterioration increases, so that data is collected more frequently. The determination unit 113 may also set the number of types of data defined in the collection condition to be increased as the deterioration increases.

[0041] The contents of the latest collection conditions are stored in, for example, the memory of the BMU 101 by the determination unit 113. The acquisition unit 111 and the calculation unit 112 read out the latest collection conditions from the memory and execute processing according to the read out collection conditions.

[0042] The output unit 114 outputs the battery information acquired and calculated by the acquisition unit 111, the calculation unit 112, and the determination unit 113 to the ECU 102 via the in-vehicle network 120.

[0043] The ECU 102 transmits the battery information acquired from the BMU 101 to the server device 20 via the TCU 104 and the CGW 103. The battery information is transmitted to the server device 20 with a vehicle ID capable of uniquely identifying the vehicle 10 for which the battery information was generated and a battery information ID capable of uniquely identifying the timing at which the battery information was generated, and the like.

[0044] As described above, the battery information transmitted to server device 20 includes information indicating the usage environment of battery 130, such as the operating temperature, acquired by acquisition unit 111, information on SOH, SOC, and power consumption calculated by calculation unit 112, and information indicating the deterioration state of battery 130 determined by determination unit 113.

[0045] The above-mentioned power consumption is calculated by the calculation unit 112, for example, periodically or repeatedly at a predetermined timing. The calculation unit 112 may further calculate a power consumption rate (Wh / km) from the power consumption. The calculation unit 112 may also calculate the power consumption amount or the power consumption rate for each use. Figure 4 shows an example of where power is used.

[0046] Fig. 4 is a diagram illustrating an example of how the power of the battery 130 according to the first embodiment is used. As illustrated in Fig. 4, the vehicle 10 includes three types of power sources: a driving power source configured by the battery 130, a 12V / 48V power source, and a redundant power source. For example, power from the driving power source is allocated to the 12V / 48V power source and the redundant power source.

[0047] The drive power supply (battery 130) is used, for example, in drive systems and temperature control equipment. Specifically, the drive power supply supplies power to motors, inverters, air conditioners, etc., to operate these. The 12V / 48V power supply is used, for example, in auxiliary engines. Specifically, the 12V / 48V power supply supplies power to starter motors, alternators, radiators, etc., to operate these. The redundant power supply is used, for example, in driving assistance systems such as automatic driving. Specifically, the redundant power supply supplies power to various sensors, etc., related to the driving assistance system, to operate these.

[0048] The drive power supply, 12V / 48V power supply, and redundant power supply share power via DC-DC converters, etc., which prevents the loss of a given power supply. Therefore, the power consumption of these power supplies affects each other.

[0049] In this way, the battery information transmitted from ECU 102 to server device 20 via TCU 104 and CGW 103 includes the amount of power consumed at a given timing in vehicle 10 traveling along a given delivery route for each power source, such as battery 130 which is a driving power source, 12V / 48V power source, and redundant power source. In this case, the battery information may include a power consumption rate instead of or in addition to the amount of power consumption.

[0050] (Example of functional configuration of information terminal) Fig. 5 is a block diagram showing an example of a functional configuration of the information terminal 501 according to the embodiment 1. As shown in Fig. 5, the information terminal 501 includes a route determination unit 151, a characteristic information collection unit 152, a map information collection unit 153, a traffic information collection unit 154, an environmental information collection unit 155, and a transmission unit 156.

[0051] The information terminal 501 is a computer equipped with, for example, a microcontroller. The microcontroller includes a processor, a RAM (Random Access Memory), and a ROM (Read Only Memory). The microcontroller constituting the information terminal 501 may include an input / output circuit, a storage device, and the like. The processor reads and executes a program stored in the ROM or the like to realize the functions corresponding to each of the above-mentioned units.

[0052] The program executed by the information terminal 501 may be configured to be provided by recording it on a computer-readable recording medium such as a CD-ROM, a flexible disk, a CD-R, or a DVD in an installable or executable format file.

[0053] The program executed by the information terminal 501 may be stored on a computer connected to a network such as the Internet and provided by being downloaded via the network. The program executed by the information terminal 501 may be executed via a network such as the Internet without being downloaded and installed on the information terminal 501.

[0054] Alternatively, some or all of the functions of the route determination unit 151, the characteristic information collection unit 152, the map information collection unit 153, the traffic information collection unit 154, the environmental information collection unit 155, and the transmission unit 156 may be realized by a dedicated hardware circuit.

[0055] The route determination unit 151 determines a delivery route for the vehicle 10 based on delivery and collection information. The delivery information includes, for example, the address of the delivery destination, the desired delivery time, the number, size, and weight of the delivery items, etc. The collection information includes, for example, the address of the collection destination, the desired collection time, the number, size, and weight of the collected items, etc. Based on this information, the route determination unit 151 determines an appropriate delivery route by calculation. An appropriate delivery route is, for example, a route that allows delivery and collection to be performed in a shorter time by driving a shorter distance.

[0056] The characteristic information collection unit 152 collects various characteristic information related to the vehicle 10 from the vehicle 10 traveling along the delivery route determined by the route determination unit 151, such as information that affects the power consumption of the battery 130 of the vehicle 10.

[0057] The map information collection unit 153 acquires map information including the delivery route determined by the route determination unit 151, for example, from the Internet, and collects information related to the driving of the vehicle 10, for example, information that affects the power consumption of the battery 130 of the vehicle 10.

[0058] The traffic information collection unit 154 acquires traffic information for the delivery route determined by the route determination unit 151, for example, from the Internet, and collects information related to the driving of the vehicle 10, for example, information that affects the power consumption of the battery 130 of the vehicle 10.

[0059] The environmental information collection unit 155 acquires environmental information for the delivery route determined by the route determination unit 151, for example from the Internet, and collects information related to the driving of the vehicle 10, for example information that affects the power consumption of the battery 130 of the vehicle 10.

[0060] The transmission unit 156 transmits the map information, traffic information, and environmental information to the server device 20 as driving history information related to the driving history of the vehicle 10. The driving history information may include information on the delivery route determined by the route determination unit 151 and actually traveled by the vehicle 10. When transmitting the driving history information to the server device 20, the transmission unit 156 assigns to the driving history information a vehicle ID capable of uniquely identifying the vehicle 10 for which the driving history information was generated, and a driving history information ID capable of uniquely identifying the timing at which the driving history information was generated.

[0061] FIG. 6 is a diagram illustrating various types of information collected by the information terminal 501 according to the first embodiment.

[0062] 6, the characteristic information collected by the characteristic information collecting unit 152 includes, for example, the vehicle weight, motor output, and load weight of the vehicle 10, and information on the driver of the vehicle 10 at that time, etc. These have an effect on the power consumption of the battery 130 of the vehicle 10 traveling along the delivery route.

[0063] The map information collected by the map information collecting unit 153 includes, for example, information on the distance of the delivery route, the number of traffic lights installed on the delivery route, the number of stop locations, the elevation difference on the delivery route, and the areas on the delivery route through which the vehicle 10 will travel, etc. These information affect the power consumption of the battery 130 of the vehicle 10 traveling on the delivery route.

[0064] The traffic information collected by the traffic information collecting unit 154 includes, for example, information such as the degree of congestion on the delivery route when the vehicle 10 is traveling, and the speed limit according to the traffic conditions, etc. This information may be collected by season, day of the week, or time period. This information may be collectable from, for example, a vehicle information and communication system (VICS). The degree of congestion and the speed limit affect the power consumption of the battery 130 of the vehicle 10 traveling on the delivery route.

[0065] The environmental information collected by the environmental information collecting unit 155 includes, for example, the weather, temperature, and wind speed along the delivery route when the vehicle 10 is traveling. These affect the power consumption of the battery 130 of the vehicle 10 traveling along the delivery route.

[0066] The above-mentioned characteristic information collecting unit 152, map information collecting unit 153, traffic information collecting unit 154, and environmental information collecting unit 155 are an example of a first information generating unit that generates driving history information.

[0067] (Server device functional configuration example) Fig. 7 is a block diagram showing an example of a functional configuration of the server device 20 according to embodiment 1. As shown in Fig. 7, the server device 20 includes a receiving unit 121, a map generating unit 122, a risk degree calculating unit 123, a risk determining unit 124, an insurance premium determining unit 125, a transmitting unit 126, a vehicle information storing unit 129a, a history information storing unit 129b, a battery information storing unit 129c, a map storing unit 129d, a correlation storing unit 129e, and an insurance premium amount storing unit 129f.

[0068] The server device 20 is a computer equipped with, for example, a microcomputer. The microcomputer includes a processor, RAM, ROM, etc. The microcomputer constituting the server device 20 may include an input / output circuit, a storage device, etc. The processor reads and executes a program stored in the ROM, etc., thereby realizing the functions corresponding to each of the above-mentioned parts.

[0069] The programs executed by the server device 20 may be configured to be provided by recording them on a computer-readable recording medium such as a CD-ROM, a flexible disk, a CD-R, or a DVD as files in an installable or executable format.

[0070] The programs executed by the server device 20 may be stored on a computer connected to a network such as the Internet and provided by being downloaded via the network. The programs executed by the server device 20 may be executed via a network such as the Internet without being downloaded to and installed on the server device 20.

[0071] Alternatively, some or all of the functions of the receiving unit 121, map generating unit 122, risk calculation unit 123, risk assessment unit 124, insurance premium determination unit 125, transmitting unit 126, vehicle information storage unit 129a, history information storage unit 129b, battery information storage unit 129c, map storage unit 129d, correlation storage unit 129e, and insurance premium amount storage unit 129f may be realized by a dedicated hardware circuit.

[0072] The receiving unit 121 receives vehicle information from the information terminal 301 of the insurance company 30. The vehicle information is generated for each vehicle 10 owned by the delivery company 50, for example, by the information terminal 301 of the insurance company 30, and is sent to the server device 20 with a vehicle ID attached. The vehicle information includes information related to the vehicle 10, such as the vehicle type, year, lot number and type of the battery 130 mounted in the vehicle, and the insurance premium amount, type, grade, and discount service of the insurance currently applied to the vehicle.

[0073] The receiving unit 121 stores the vehicle information received from the information terminal 301 of the insurance company 30 in the vehicle information storage unit 129a.

[0074] The receiving unit 121 also receives driving history information regarding the driving history of the vehicle 10 on the delivery route that is collected and transmitted by, for example, an information terminal 501 owned by the delivery company 50. The receiving unit 121 stores the received driving history information in the history information storage unit 129b.

[0075] The receiving unit 121 also receives battery information related to the battery 130 that is collected by the BMU 101 of the vehicle control system 110 mounted on the vehicle 10 and transmitted from the ECU 102 via the TCU 104 and the CGW 103. The receiving unit 121 stores the received battery information in the battery information storage unit 129c.

[0076] As described above, the vehicle information storage unit 129a stores the vehicle information received from the information terminal 301 of the insurance company 30 in association with the vehicle ID.

[0077] Furthermore, the history information storage unit 129b stores driving history information transmitted from the information terminal 501 of the delivery company 50, which is a client of the insurance company 30, in association with the vehicle ID and the driving history information ID.

[0078] Furthermore, in the battery information storage unit 129c, battery information transmitted from each vehicle 10 owned by an insured person who is a customer of the insurance company 30 is stored in association with the vehicle ID.

[0079] The map generating unit 122 creates a power consumption map for the vehicle 10 for which the insurance premium is to be determined, based on the driving history information and battery information of the vehicle 10.

[0080] That is, the map generating unit 122 acquires vehicle information that matches the vehicle ID of the vehicle 10 for which the insurance premium is set from among the plurality of pieces of vehicle information stored in the vehicle information storage unit 129a at the timing when the insurance premium determination unit 125 determines the insurance premium. Also, based on the acquired vehicle information, the map generating unit 122 acquires driving history information that matches the vehicle ID of the vehicle 10 for which the insurance premium is set from among the plurality of pieces of driving history information stored in the history information storage unit 129b. Also, based on the acquired vehicle information, the map generating unit 122 acquires battery information that matches the vehicle ID of the vehicle 10 for which the insurance premium is set from among the plurality of pieces of battery information stored in the battery information storage unit 129c.

[0081] The map generator 122 collates the driving history information ID attached to the driving history information with the battery information ID attached to the battery information, and associates the driving history information and battery information acquired at the same time in the same area of ​​the delivery route for the vehicle 10 traveling on the specified delivery route. This generates a power consumption map in which the power consumption of the vehicle 10 in a specified driving state is associated with each area of ​​the delivery route.

[0082] The map generation unit 122 stores the power consumption map created for each section of the delivery route in the map storage unit 129d, along with the vehicle ID of the target vehicle 10 and a history type ID indicating the corresponding driving history information among the driving history information.

[0083] As described above, the map storage unit 129d stores the power consumption map created for each section of the delivery route in association with the vehicle ID and a history type ID indicating the type of history information, such as characteristic information, map information, traffic information, and environmental information, among the driving history information.

[0084] The risk calculation unit 123 acquires at least one power consumption map that matches the vehicle ID of the vehicle 10 for which the insurance premium is to be set from the map storage unit 129d. Furthermore, the risk calculation unit 123 calculates an arrival probability indicating the probability that the target vehicle 10 can reach a predetermined destination based on the acquired power consumption map. Furthermore, the risk calculation unit 123 calculates the risk based on the calculated arrival probability.

[0085] The risk level is an index of the risk that the charge level of the battery 130 mounted on the vehicle 10 will fall below a predetermined level while the vehicle 10 is traveling, and is defined so as to show a good correlation with the possibility that the charge level of the battery 130 will fall below a predetermined value while the vehicle 10 is traveling. Various methods can be used to index such risk, such as using statistical methods or simulation values.

[0086] The risk calculation unit 123 may use different methods for calculating the risk depending on the vehicle type and year included in the vehicle information of the vehicle 10 for which the insurance premium is set.

[0087] Meanwhile, the correlation storage unit 129e stores in advance a correlation between the risk level and the possibility of running out of power. The possibility of running out of power is the possibility that the charge level of the battery 130 mounted on a specific vehicle 10 falls below a predetermined level while the vehicle 10 is traveling, that is, the possibility that the specific vehicle 10 runs out of power while traveling. The above correlation is calculated, for example, by a statistical method or a method using simulation values.

[0088] The risk determination unit 124 estimates the possibility of running out of power for the target vehicle 10 by applying the risk calculated by the risk calculation unit 123 to the correlation between the risk and the possibility of running out of power that is stored in advance in the correlation storage unit 129e. In addition, the risk determination unit 124 determines the risk of running out of power in the vehicle 10 from the estimation result of the possibility of running out of power.

[0089] In addition, the correlation storage unit 129e may store multiple correlations according to the vehicle type, year, etc., and the risk determination unit 124 may determine the risk of running out of power using the correlations corresponding to the vehicle type, year, etc. included in the vehicle information stored in the vehicle information storage unit 129a.

[0090] The insurance premium determination unit 125 refers to the insurance amount table stored in the insurance premium amount storage unit 129f, and determines the insurance premium to be set for the vehicle 10 based on the judgment result of the risk judgment unit 124 while taking into consideration the insured grade of the delivery company 50 that owns the vehicle 10. The grade of the insured delivery company 50 may be set based on the accident history and violation history of the delivery company 50 as usual.

[0091] Here, the insurance premium determination unit 125 sets the insurance premium higher as the risk of running out of electricity calculated by the risk determination unit 124 increases, and sets the insurance premium lower as the risk of running out of electricity calculated by the risk determination unit 124 decreases.

[0092] Furthermore, the insurance premium determination unit 125 may discount the insurance premium according to the risk of running out of power calculated by the risk determination unit 124. In this case, for example, if the risk of running out of power is stably below a predetermined value based on the history of the risk of running out of power of the target vehicle 10, a discount can be made at a predetermined interest rate. Alternatively, if the target vehicle 10 has not run out of power for a predetermined period or longer based on the past record of running out of power of the target vehicle 10, a discount can be made at an interest rate according to the length of that period.

[0093] As described above, the insurance premium amount storage unit 129f stores a plurality of insurance premium tables according to vehicle type, year, etc. In each insurance premium table, an insurance premium amount according to the class of the insured person including the delivery company 50 and the risk of the vehicle 10 is set.

[0094] The timing at which the insurance premium is determined by the server device 20 may include, for example, when a new policyholder joins the insurance company, or a predetermined number of days or months before the renewal date based on the renewal date.

[0095] The transmission unit 126 attaches the vehicle ID to the information on the insurance premium determined by the insurance premium determination unit 125 and transmits it to the information terminal 301 of the insurance company 30. This allows the insurance company 30 to receive a service providing the insurance premium to be set for the vehicle 10 of the delivery company 50 corresponding to the vehicle ID.

[0096] (Example of a power consumption map) Next, an example of generating a power consumption map in the server device 20 of the first embodiment and an example of calculating a risk level based on the power consumption map will be described with reference to FIGS.

[0097] FIG. 8 is a diagram illustrating an example of the reference map MP used by the server device 20 according to the first embodiment to generate the power consumption map.

[0098] As shown in FIG. 8, the map generation unit 122 of the server device 20 generates a reference map MP based on map information collected by the information terminal 501 of the delivery company 50, in which the map information including the delivery route RT of the vehicle 10 is divided into multiple mesh-shaped areas A1 to A30.

[0099] The number of zones into which the map generating unit 122 divides the reference map MP is arbitrary. Depending on the configuration, arrangement, and fineness of the zones set, the data capacity required to generate a power consumption map (described later) and the accuracy of the power consumption map can be varied.

[0100] The map generating unit 122 reads out the driving history information related to the target vehicle 10 from the driving history information collected by the information terminal 501 of the delivery company 50 and stored in the history information storage unit 129b. The map generating unit 122 also reads out the power consumption information from the battery information generated by the target vehicle 10 and stored in the battery information storage unit 129c.

[0101] The map generating unit 122 matches the driving history information ID attached to the driving history information with the battery information ID attached to the battery information, and associates the driving history information and the amount of power consumption with each of the areas A1 to A30 of the reference map MP.

[0102] At this time, the map generation unit 122 associates each type of driving history information, i.e., characteristic information indicating the characteristics of the vehicle 10, map information including information on the driving area of ​​the vehicle 10, traffic information indicating the traffic conditions when the vehicle 10 is driving, and environmental information indicating the environment when the vehicle 10 is driving, with the areas A1 to A30 of the reference map MP.

[0103] This provides a power consumption map that indicates the amount of power consumed when the vehicle 10 travels in a specific area under various conditions. Examples of the power consumption maps MPc, MPm, and MPt are shown in Figures 9 and 10.

[0104] 9 and 10 are diagrams illustrating examples of the power consumption maps MPc, MPm, and MPt generated by the server device 20 according to embodiment 1. In Fig. 9 and Fig. 10, areas with high power consumption are indicated by hatching.

[0105] 9(a) shows an example of a power consumption map MPc in which the characteristic information of the driving history information is associated with the power consumption of the battery information. As shown in FIG. 9(a), a delivery base CP, which is the starting point of delivery, is present in an area A22 of the power consumption map MPc.

[0106] Here, for example, suppose that in a certain section from the start of delivery, the load weight of the vehicle 10 is large due to the influence of deliveries, etc., and power consumption tends to be high. In such a case, by associating characteristic information including information on the load weight, a power consumption map MPc is generated that indicates high power consumption in, for example, the area A22 where the delivery base CP is located, and the areas A17, A16, and A11 close to the starting point of the delivery route RT.

[0107] FIG. 9B illustrates a power consumption map MPm in which map information from the driving history information is associated with the amount of power consumption from the battery information.

[0108] Here, for example, assume that the areas A1 to A4 are hilly regions and the delivery route RT is rugged, so that the power consumption of the vehicle 10 traveling there tends to be high. In such a case, by associating map information including information on the elevation difference, a power consumption map MPm is generated that indicates high power consumption in the areas A1 to A4, for example, which are rugged.

[0109] Fig. 10 illustrates a power consumption map MPt in which traffic information from the travel history information is associated with the power consumption of the battery information. As described above, the traffic information includes information such as congestion levels, the conditions of which may vary by season, day of the week, or time period. For this reason, as shown in Fig. 10, multiple power consumption maps MPt may be generated, for example, for each season, day of the week, or time period.

[0110] FIG. 10(a) illustrates a power consumption map MPtm in which traffic information for the morning time period is associated with the amount of power consumption in battery information.

[0111] For example, assume that commercial districts extend around area A20, and that traffic congestion occurs in the morning hours, leading to a tendency for the power consumption of vehicles 10 traveling there to be high. In such a case, by associating traffic information including information on the degree of congestion in the morning hours, a power consumption map MPtm is generated that indicates high power consumption in areas A14, A15, A20, A24, and A25, for example, where commercial districts extend.

[0112] FIG. 10B illustrates a power consumption map MPtd in which traffic information for the daytime is associated with the amount of power consumption in the battery information.

[0113] Here, for example, traffic congestion in a commercial district centered on area A20 is substantially eliminated during the daytime, and power consumption of vehicles 10 traveling there is also reduced. In such a case, by associating traffic information including information on the degree of congestion during the daytime, power consumption in the commercial district, for example, is also reduced, and a power consumption map MPtd is generated that indicates high power consumption only in areas A20 and A25, which are narrower than the power consumption map MPtm for the morning time period.

[0114] As described above, the method of dividing the reference map MP into predetermined areas in a mesh pattern and generating the power consumption maps MPc, MPm, MPt, etc. by associating the driving history information and the power consumption amount of the battery information with each area is sometimes called the mesh method. Note that when the battery information includes information on the power consumption rate, the power consumption map may be created by associating the power consumption rate with the reference map MP instead of the power consumption amount.

[0115] The risk calculation unit 123 of the server device 20 uses at least one of the power consumption maps generated by the map generation unit 122 to calculate a predicted value of the power consumption of the target vehicle 10 .

[0116] 11 is a diagram showing an example in which the server device 20 according to the first embodiment calculates a predicted value of power consumption based on the power consumption maps MPc, MPm, MPt, and MPe. Here, the power consumption map MPe is a power consumption map associated with environmental information.

[0117] 11, the risk calculation unit 123 of the server device 20 selects one or more power consumption maps to be used for calculating a predicted value of power consumption. The risk calculation unit 123 selects different power consumption maps for each delivery company 50 or each vehicle 10, for example.

[0118] For example, if the target vehicle 10 is owned by a newly-joined delivery company 50 and there is insufficient accumulated driving history information and battery information for the vehicle 10, a power consumption map MPc, MPm can be selected that associates characteristic information and map information that can provide relatively high accuracy with a small amount of information.

[0119] Also, for example, when calculating a predicted value for a vehicle 10 about which sufficient information has been accumulated, a power consumption map that determines the power consumption of the vehicle 10 can be selected from the various power consumption maps MPc, MPm, MPt, and MPe related to that vehicle 10.

[0120] That is, for example, if the vehicle 10 travels in an area with distinctive topography, heavy traffic congestion, and a heavy snowfall region, it can be said that, of the power consumption maps MPc, MPm, MPt, and MPe, the power consumption map MPm associated with information related to the topography, the power consumption map MPt associated with information related to the congestion level, and the power consumption map MPe associated with information related to the weather mainly determine the power consumption of the vehicle 10. Therefore, the risk level calculation unit 123 can select the power consumption maps MPm, MPt, and MPe.

[0121] The risk calculation unit 123 calculates a predicted value of the power consumption of the target vehicle 10 based on one or more power consumption maps selected in this way. The predicted value of the power consumption at this time is a predicted value of the amount of power consumed until the target vehicle 10 reaches a predetermined destination by traveling an average distance under a situation in which various situations in which the vehicle 10 travels a delivery route or the like on a daily basis are averaged. Such average situations and average traveling distances are derived, for example, from the selected power consumption map. The predetermined destination may be a fictitious point reached after traveling an average distance derived, for example, from the selected power consumption map, or may be an actual place such as a delivery destination or collection destination where the target vehicle 10 stops on a daily basis.

[0122] Here, to derive the average situation and the average driving distance from the power consumption map and calculate the predicted value of the power consumption, for example, machine learning based on a predetermined number of pieces of driving history information and battery information is a prerequisite. The risk calculation unit 123 appropriately predicts the power consumption according to the accumulated number of pieces of driving history information and battery information and the proficiency of the machine learning.

[0123] The risk calculation unit 123 further calculates the probability that the target vehicle 10 can reach the predetermined destination with the predicted power consumption. The arrival probability at this time is the probability that the target vehicle 10 can reach the predetermined destination that is an average distance away, under the averaged conditions as described above, without exceeding the predicted power consumption, that is, without running out of power.

[0124] Here, the above-mentioned arrival probability differs depending on the current characteristics of the battery 130 mounted on the vehicle 10, such as the SOH, SOC, full charge capacity, and deterioration state. The arrival probability also differs depending on the usage environment of the battery 130, such as the temperature of the environment in which the battery 130 is placed. The above-mentioned characteristic values ​​and usage environment information of the battery 130 are also included in the battery information. When calculating the arrival probability, the risk calculation unit 123 may correct the numerical value of the arrival probability based on this information included in the battery information.

[0125] If the power consumption rate is associated with the power consumption amount instead of the power consumption rate when the power consumption map is generated, the above-mentioned achievement probability may be calculated from the power consumption rate obtained from the power consumption map.

[0126] Based on the arrival probability calculated in this manner, the risk calculation unit 123 calculates a risk index of the risk that the charge level of the battery 130 will fall below a predetermined value while the vehicle 10 is traveling, that is, the risk that the vehicle 10 will run out of power while traveling on a delivery route or the like on a daily basis.

[0127] As described above, the risk determination unit 124 determines the risk of running out of power, which indicates the possibility that the target vehicle 10 will run out of power, based on the risk calculated by the risk calculation unit 123. The insurance premium determination unit 125 determines the insurance premium for the target vehicle 10 based on the risk of running out of power determined by the risk determination unit 124.

[0128] Here, several examples of when the insurance premium is determined by the server device 20 will be described.

[0129] When the vehicle 10 for which the insurance premium is to be set is owned by a newly enrolled delivery company 50, there is no accumulation of driving history information, battery information, etc. for the vehicle 10 of that delivery company 50. Therefore, the server device 20 can determine the insurance premium for the newly enrolled delivery company 50 solely based on the vehicle type and the class of that delivery company 50.

[0130] At this time, as described above, for the vehicle 10 owned by the delivery company 50, only characteristic information related to the characteristics of the vehicle 10 may be quickly collected from among multiple types of driving history information and reflected in the insurance premium. Also, the insurance premium may be determined by borrowing data on the same model and vehicle of the same year owned by another delivery company in the same business. Also, simulation data on the vehicle 10 of the delivery company 50 may be generated, and the insurance premium may be determined based on this.

[0131] After that, when a predetermined period of time has passed and sufficient information has been accumulated about the vehicle 10 of the delivery company 50, the insurance premium will be determined based on the actually collected driving history information and battery information.

[0132] If the delivery company 50 takes care to formulate and operate a delivery plan that avoids running out of power while the vehicle 10 is traveling, the rate of increase in the insurance premium at the time of renewal will be kept low. In this way, the delivery company 50, which is the insured, can obtain benefits according to such care.

[0133] (Example of insurance premium determination process of server device) Fig. 12 is a flow diagram showing an example of the procedure of insurance premium determination processing by the server device 20 according to the embodiment 1. When starting the processing shown in Fig. 12, the server device 20 is assumed to have already acquired vehicle information, such as the model and year of the vehicle 10 owned by the delivery company 50, and the insurance premium amount, type, grade, and discount services currently applied to the vehicle 10, for the delivery company 50, which is a customer of the insurance company 30, and to have already stored the acquired vehicle information in the vehicle information storage unit 129a.

[0134] 12, the receiving unit 121 of the server device 20 receives travel history information collected about a traveling vehicle 10 from the information terminal 501 of the delivery company 50. The receiving unit 121 also receives battery information generated by the BMU 101 from the vehicle control system 110 of a specific vehicle 10 (step S101).

[0135] The receiving unit 121 stores the received driving history information and battery information in the history information storage unit 129b and the battery information storage unit 129c, respectively (step S102). The receiving unit 121 continues the processing of steps S101 and S102 until it is time for the insurance premium determination unit 125 to determine the insurance premium (step S103: No).

[0136] When it is time for the insurance premium determination unit 125 to determine the insurance premium (step S103: Yes), the map generation unit 122 acquires vehicle information on the vehicle 10 for which the insurance premium is to be determined from the vehicle information storage unit 129a. In addition, in accordance with the acquired vehicle information, the map generation unit 122 acquires corresponding driving history information and battery information from the history information storage unit 129b and the battery information storage unit 129c, respectively (step S104).

[0137] The map generating unit 122 generates power consumption maps MPc, MPm, MPt, and MPe that associate the acquired driving history information and battery information (step S105). The generated power consumption maps MPc, MPm, MPt, and MPe are stored in the map storage unit 129d.

[0138] The risk calculation unit 123 selects at least one of the generated power consumption maps MPc, MPm, MPt, and MPe to calculate a predicted value of the amount of power consumption until the vehicle 10 reaches the specified destination, calculates the probability of the vehicle 10 reaching the specified destination from the predicted value, and further calculates the risk from the arrival probability (step S106).

[0139] The risk determination unit 124 applies the risk calculated by the risk calculation unit 123 to the correlation stored in the correlation storage unit 129e to estimate the possibility that the vehicle 10 will run out of power while traveling, and determines the risk of the vehicle 10 running out of power based on the estimated possibility of running out of power (step S107).

[0140] The insurance premium determination unit 125 obtains from the insurance premium amount storage unit 129f an insurance premium table corresponding to the vehicle type and year of the vehicle information for the vehicle 10 for which the insurance premium is to be set, and determines the insurance premium based on the grade indicated by the vehicle information and the judgment result by the risk judgment unit 124 (step S108).

[0141] The transmitting unit 126 transmits information including the insurance premium determined by the insurance premium determining unit 125 to the information terminal 301 of the insurance company 30 (step S109).

[0142] This completes the insurance premium determination process by the server device 20 of the first embodiment.

[0143] (Overview) In electric vehicles and other electric vehicles, in order to extend the battery life, the battery is often charged only with the amount of power required for driving. In such cases, the amount of power consumed during driving varies depending on road conditions, weather, the driver's skill, and the like, and there is a risk of insufficient charging. When the amount of charge is insufficient, charging is required midway, causing delays, the accuracy of driving assistance systems, etc. decreases due to control to suppress power consumption, and in the worst case, the battery runs out and the vehicle cannot be driven. For this reason, there is a demand for technology that can accurately predict the amount of power consumed during driving.

[0144] In addition, it is expected that electric vehicles will be widely used in delivery operations and the like in the future. In this case, the above-mentioned insufficient charge may result in time and economic losses. However, under the current insurance system, insurance premiums are determined at a flat rate, similar to vehicles with internal combustion engines that use gasoline, and compensation for losses that may occur due to running out of power is not considered. As such, there is no mechanism in place to reflect the risk of running out of power during work in the insurance premiums, and in some cases, the insurance premiums are not set appropriately.

[0145] According to the server device 20 of the first embodiment, a predicted value of power consumption is calculated based on information related to the power consumption of the battery 130 mounted on the vehicle 10, a probability of the vehicle 10 reaching a predetermined destination is calculated based on the predicted value, and a risk index of the risk of the vehicle 10 running out of power while traveling is calculated based on the arrival probability. This makes it possible to accurately calculate the possibility of running out of power.

[0146] According to the server device 20 of the first embodiment, the risk of running out of power is indexed based on information about the power consumption of the battery 130 mounted on the vehicle 10, and the insurance premium is determined according to the risk. This makes it possible to set the insurance premium appropriately according to the risk of the vehicle 10 running out of power during delivery work.

[0147] According to the server device 20 of the first embodiment, the arrival probability is corrected based on the battery information including information indicating the characteristics and the usage environment of the battery 130. This makes it possible to properly determine the risk of the vehicle 10 running out of power during delivery operations.

[0148] According to the server device 20 of the first embodiment, the risk of running out of electricity is judged based on the correlation between the risk and the possibility of running out of electricity, and the insurance premium is determined based on this judgment result. This allows a highly accurate estimate of the possibility of running out of electricity to be used, making it possible to more appropriately judge the risk of running out of electricity and more appropriately set the insurance premium. In this way, the insurance premium is determined based on the risk indexed to have a high correlation with the possibility of the vehicle 10 running out of electricity while traveling, making it possible to generalize the procedure for determining the insurance premium and to determine the insurance premium appropriately.

[0149] (Modification) In the above-described first embodiment, the power consumption maps MPc, MPm, MPt, and MPe are generated by, for example, a mesh method, but the method for generating the power consumption maps is not limited to the mesh method.

[0150] As an example of another method for generating a power consumption map, an example of a method for generating a power consumption map using a link method is shown in FIG.

[0151] FIG. 13 is a diagram showing an example of a reference map MPk used by a server device according to a modification of the first embodiment to generate a power consumption map.

[0152] 13, the map generating unit of the server device of the modified example generates a reference map MPk that includes multiple points P1-P16 on the vehicle's delivery route RT included in the map information collected by the information terminal of the delivery company. As a result, the delivery route RT of the reference map MPk is divided into multiple links P1-P2, P2-P3, P3-P4, P4-P5, P15-P16, P16-P1.

[0153] The map generating unit of the modified example associates the amount of power consumption with each of the links P1-P2...P16-P1 in the reference map MPk, and also associates each type of driving history information with each of the links P1-P2...P16-P1 in the reference map MPk, thereby obtaining a power consumption map for each type of driving history information.

[0154] When the link method is used to generate a power consumption map, the amount of data required to generate the power consumption map is larger than that of the mesh method, but more precise data analysis is possible. On the other hand, the mesh method can generate a power consumption map with a smaller amount of data, so insurance premiums can be set that reflect the risk of the vehicle 10 running out of power by collecting information in a shorter period of time.

[0155] [Embodiment 2] A server device of the second embodiment will be described with reference to the drawings. The server device of the second embodiment differs from the first embodiment in that the server device of the second embodiment also reflects information regarding the driver's handling of the battery in the insurance premium.

[0156] (Example of insurance premium determination system configuration) Fig. 14 is an overall diagram showing an example of the configuration of an insurance premium determination system 2 according to embodiment 2. As shown in Fig. 14, the system includes a vehicle control system 110 mounted on a vehicle 10, an information terminal 321 of an insurance company 30, an information terminal 401 of a driver 40, an information terminal 501 of a delivery company 50, and a server device 220 placed on the cloud.

[0157] The vehicle 10 and the vehicle control system 110 mounted on the vehicle 10 have the same configuration as in the above-described embodiment 1. The vehicle control system 110 communicates with a server device 220 via a wireless or wired network.

[0158] The information terminal 501 of the delivery company 50 has the same configuration as that of the above-mentioned embodiment 1. The information terminal 501 communicates with the server device 220 via a wireless or wired network.

[0159] The information terminal 401 of the driver 40, who is an employee of the delivery company 50, is, for example, a smartphone, a mobile phone, a tablet, a PC, etc. The information terminal 401 is connected to the server device 220 via a wireless or wired network, and can access information about the battery 130 stored in the server device 220.

[0160] The server device 220 as an information processing device has a function of receiving battery information on the battery 130 transmitted from each vehicle 10 and driving history information on the vehicle 10 transmitted from the information terminal 501 of the delivery company 50, and determining the insurance premium to be set for each vehicle 10 based on the information. At this time, the server device 220 also refers to information on the handling of the battery 130 by the driver 40. In addition, the server device 220 transmits information on the determined insurance premium to the information terminal 321 of the insurance company 30.

[0161] In addition, the server device 220 acquires information to be presented to at least one of the delivery company 50 and the specific driver 40 from the information terminal 321 of the insurance company 30. In addition, the server device 220 presents the acquired information to the delivery company 50 or the driver 40 to which the information is to be presented.

[0162] An information terminal 321 owned by the insurance company 30 is connected to the server device 220 wirelessly or via a wired connection, and receives information on insurance premiums determined by the server device 220 from the server device 220. The information terminal 321 also generates information to be presented to at least one of the delivery company 50 and the specific driver 40, and transmits the information to the server device 220.

[0163] (Server device functional configuration example) Fig. 15 is a block diagram showing an example of a functional configuration of the server device 220 according to embodiment 2. As shown in Fig. 15, the server device 220 includes a receiving unit 221, a map generating unit 222, a risk degree calculating unit 223, a risk determining unit 224, a handling determining unit 227, an insurance premium determining unit 225, a transmitting unit 226, an information presenting unit 228, a vehicle information storing unit 229a, a history information storing unit 229b, a battery information storing unit 229c, a map storing unit 229d, a correlation storing unit 229e, an insurance premium amount storing unit 229f, and a presented information storing unit 229g.

[0164] The server device 220 is a computer equipped with a microcomputer including, for example, a processor, a RAM, and a ROM. The microcomputer may also include an input / output circuit, a storage device, etc. The processor reads and executes a program stored in the ROM, etc., thereby realizing the functions corresponding to each of the above-mentioned units.

[0165] The programs executed by the server device 220 may be configured to be provided by recording them on a computer-readable recording medium such as a CD-ROM, a flexible disk, a CD-R, or a DVD in an installable or executable format file.

[0166] Furthermore, the programs executed by the server device 220 may be stored on a computer connected to a network such as the Internet, and may be downloaded or executed via the network.

[0167] Alternatively, some or all of the functions corresponding to each of the above-mentioned units may be realized by a dedicated hardware circuit.

[0168] As in the above-mentioned embodiment 1, the receiving unit 221 receives vehicle information from the information terminal 321 of the insurance company 30, receives driving history information of the vehicle 10 from the information terminal 501 of the delivery company 50, and receives battery information regarding the battery 130 collected by the BMU 101 of the vehicle control system 110 installed in the vehicle 10.

[0169] The receiving unit 221 stores the received vehicle information, driving history information, and battery information in a vehicle information storage unit 229a, a history information storage unit 229b, and a battery information storage unit 229c, respectively. Here, for example, the driving history information is provided with an insured person ID capable of uniquely identifying the delivery company 50. Also, the battery information is provided with a driver ID as identification information capable of uniquely identifying the driver 40 of the delivery company 50.

[0170] Furthermore, the receiving unit 221 receives information to be presented to the delivery company 50 from the information terminal 321 of the insurance company 30. The information terminal 321 of the insurance company 30 sends the information to be presented to the delivery company 50 to the server device 220, together with the insured person ID that can uniquely identify the delivery company 50.

[0171] Furthermore, the receiving unit 221 receives information to be presented to a specific driver 40 who is an employee of the delivery company 50, from the information terminal 321 of the insurance company 30. The information terminal 321 of the insurance company 30 transmits the information to be presented to the specific driver 40 to the server device 220, together with the driver ID that can uniquely identify the driver 40.

[0172] The receiving unit 221 stores the presentation information received from the information terminal 321 of the insurance company 30 in the presentation information storage unit 229g. The presentation information intended to be presented to the delivery company 50 or the driver 40 who is an employee of the delivery company 50 is generated, for example, by the information terminal 321 of the insurance company 30 for each of the delivery company 50 that is a customer of the insurance company 30 or the driver 40 who is an employee of the delivery company 50, and is transmitted to the server device 220 with an insured person ID or a driver ID attached.

[0173] The presented information addressed to the delivery company 50 includes information such as a password for permitting access to the server device 220 from the information terminal 501 of the delivery company 50. When new information to be presented to the delivery company 50 is transmitted from the information terminal 321 of the insurance company 30, the new information is added to the presented information already stored.

[0174] Moreover, the presentation information addressed to a specific driver includes information such as a password for permitting access from the information terminal 401 of the driver 40 to the server device 220. Moreover, when new information to be presented to a specific driver 40 is transmitted from the information terminal 321 of the insurance company 30, that information is added to the already stored presentation information.

[0175] The map generation unit 222, the danger calculation unit 223, the risk judgment unit 224, the map storage unit 229d, and the correlation storage unit 229e have the same configurations and functions as the map generation unit 122, the danger calculation unit 123, the risk judgment unit 124, the map storage unit 129d, and the correlation storage unit 129e of the above-mentioned embodiment 1.

[0176] The handling determination unit 227 acquires driving history information that matches the insured person ID that is the subject of the judgment from a plurality of pieces of driving history information stored in the history information storage unit 229b. In addition, the handling determination unit 227 extracts information that determines the degree of risk from the acquired driving history information, and judges the appropriateness of the handling of the battery 130 by the delivery company 50.

[0177] As information for determining the degree of risk, the handling determination unit 227 extracts, for example, a method for formulating a delivery plan, and a relationship between a delivery route and a charge amount in advance, etc. For example, if a delivery plan is formulated within the capacity of the battery 130, or if the battery 130 is charged with an appropriate charge amount in advance before traveling the delivery route, it can be said that the degree of risk for that delivery company 50 tends to be low.

[0178] Based on various information extracted from the driving history information, the handling judgment unit 227 judges whether the delivery company 50 is making an effort to avoid running out of power while the vehicle 10 is traveling, and whether the battery 130 is being handled in a way that increases the risk of running out of power.

[0179] The handling determination unit 227 also acquires battery information that matches the driver ID that is the subject of the judgment from the multiple pieces of battery information stored in the battery information storage unit 229c. The handling determination unit 227 also extracts information on the handling state of the battery 130 from the acquired battery information, and judges the appropriateness of the handling of the battery 130 by the driver 40.

[0180] As information related to the handling state of the battery 130, the handling determination unit 227 extracts, for example, a history of changes in the SOC value, a history of changes in the temperature of the battery 130, and the frequency of sudden acceleration and sudden braking.

[0181] It is considered preferable that the battery 130, such as a lithium-ion battery, be used with a median SOC of around 50%, and for example, if the battery 130 is left in a high SOC state for a long period of time, deterioration of the battery 130 may progress. It is also undesirable to leave the battery 130 in a high temperature state above a predetermined temperature for a long period of time. Furthermore, repeated charging and discharging or repeated rapid acceleration when the battery 130 is in a low temperature state below a predetermined temperature may damage the battery 130.

[0182] The handling determination unit 227 determines whether the driver 40 is handling the battery 130 appropriately or in a manner that may easily damage the battery 130, based on various numerical values ​​extracted from the battery information.

[0183] The insurance premium determination unit 225 refers to the insurance amount table stored in the insurance premium amount storage unit 229f, and determines the insurance premium to be set for the vehicle 10 based on the judgment results of the risk judgment unit 224 and the judgment results of the handling judgment unit 227 while taking into consideration the grade of the delivery company 50 that owns the vehicle 10. The grade of the delivery company 50 may be set based on the accident history, violation history, etc. of the delivery company 50 as usual.

[0184] The insurance premium amount storage unit 229f stores a plurality of insurance premium tables corresponding to vehicle types, years, etc. In each insurance premium table, an insurance premium amount is set according to the grade of the insured delivery company 50, the risk of running out of power of the vehicle 10, and the determination result of the handling determination unit 227. The insurance premium amount storage unit 229f may also store information regarding a discount system for insurance premiums according to the determination result of the handling determination unit 227.

[0185] The insurance premium determination unit 225 determines whether or not the delivery company 50 is eligible for the discount system stored in the insurance premium amount storage unit 229f, and may apply the discount system to delivery companies 50 that are trying to avoid the risk of running out of power and to delivery companies 50 that have many drivers 40 who handle the batteries 130 properly.

[0186] In addition, the insurance premium determination unit 225 compares the finally determined insurance premium with the insurance premium before renewal. If the currently determined insurance premium has increased by more than a predetermined percentage compared to the insurance premium before renewal, the insurance premium determination unit 225 includes this information in the insurance premium information to be sent to the insurance company 30.

[0187] The transmission unit 226 attaches the vehicle ID and the insured person ID or the driver ID to the information on the insurance premium determined by the insurance premium determination unit 225, and transmits the information to the information terminal 321 of the insurance company 30. If the insurance premium determination unit 225 has added information to the insurance premium information that the currently determined insurance premium has increased by more than a predetermined percentage from the previous insurance premium, the transmission unit 226 also transmits the information on the increase in the insurance premium.

[0188] When the insurance premium information received from the server device 220 includes information regarding an increase in insurance premiums, the information terminal 321 of the insurance company 30 generates information regarding the handling of the battery 130 by the delivery company 50 or the driver 40 as information to be presented to at least one of the delivery company 50 and the driver 40, and transmits the information to the server device 220.

[0189] If the current insurance premium has increased by more than a specified percentage from the previous insurance premium, it is possible that the delivery company 50 has not handled the battery 130 appropriately, and there is a high risk of the vehicle 10 running out of power. By presenting the delivery company 50 with information about the handling of the battery 130, the delivery company 50 can become aware of the high risk of the vehicle 10 running out of power.

[0190] Alternatively, if the current insurance premium has increased by more than a predetermined percentage from the previous insurance premium, it is possible that the driver 40 has not handled the battery 130 appropriately, and the battery 130 has deteriorated more than usual, or is in an undesirable state. By presenting the driver 40 with information about the handling of the battery 130, the driver 40 can become aware that the battery 130 is not being handled appropriately.

[0191] Furthermore, the information terminal 321 may transmit to the server device 220, as information to be presented to the delivery company 50, guidelines describing a method for formulating an appropriate delivery plan and an appropriate amount of charging for a given delivery route. This allows the delivery company 50 to be coached on a method for avoiding running out of electricity, and the delivery company 50 can reduce the risk of running out of electricity.

[0192] Furthermore, the information terminal 321 may transmit to the server device 220, as information to be presented to the driver 40, guidelines or the like describing an appropriate handling method of the battery 130. This allows the driver 40 to be coached on the correct handling method of the battery 130, and the driver 40 becomes able to handle the battery 130 appropriately.

[0193] The information intended for the delivery company 50 or the driver 40 transmitted from the information terminal 321 to the server device 220 is received by the receiving unit 221 and stored in the presented information storage unit 229g.

[0194] The information presentation unit 228 accepts access to the server device 220 from the information terminal 501 of the delivery company 50 or the like. The delivery company 50 can access the server device 220 by inputting, for example, an insured person ID and a password from the information terminal 501 or the like. The information presentation unit 228 refers to the presented information storage unit 229g and determines whether or not presented information matching the insured person ID and password input from the information terminal 501 of the delivery company 50 is present.

[0195] When there is presented information that matches the input insured person ID and password, the information presenting unit 228 permits the delivery company 50 to access the server device 220. When the presented information that matches the input insured person ID and password includes information to be presented to the delivery company 50, the information presenting unit 228 causes the delivery company 50 to display the information on the information terminal 501 or the like.

[0196] This allows the delivery company 50 to check the information from the insurance company 30 via the server device 220.

[0197] Furthermore, the information presentation unit 228 accepts access to the server device 220 from the information terminal 401 of the driver 40. The driver 40 can access the server device 220 by inputting, for example, a driver ID and a password from the information terminal 401 owned by the driver 40. The information presentation unit 228 refers to the presentation information storage unit 229g and determines whether or not presentation information matching the driver ID and password input from the information terminal 401 of the driver 40 is present.

[0198] When there is presented information that matches the input driver ID and password, the information presenting unit 228 permits the driver 40 to access the server device 220. When the presented information that matches the input driver ID and password includes information to be presented to the driver 40, the information presenting unit 228 causes the information terminal 401 of the driver 40 to display the information.

[0199] This allows the driver 40 to check information from the insurance company 30 via the server device 220.

[0200] As described above, if the delivery company 50 takes care to avoid running out of power while the vehicle 10 is in operation and encourages its employees, who are drivers, to drive in a way that does not damage the battery 130, the rate of increase in insurance premiums at the time of renewal will be kept low. In this way, the delivery company 50, which is the insured, can obtain benefits according to such care.

[0201] (Example of insurance premium determination process of server device) Fig. 16 is a flow diagram showing an example of the procedure of insurance premium determination processing by the server device 220 according to embodiment 2. When starting the processing shown in Fig. 15, it is assumed that the server device 220 has already acquired basic information regarding the delivery company 50, which is a customer of the insurance company 30, such as a password, a vehicle model, a fiscal year, and the amount, type, grade, and discount services of the insurance currently applied to the vehicle, and has already stored the acquired vehicle information in the vehicle information storage unit 229a.

[0202] As shown in FIG. 16, the processes from steps S201 to S207 are similar to the processes from steps S101 to S107 shown in FIG. 12 of the above-mentioned first embodiment.

[0203] The handling determination unit 227 acquires the driving history information and battery information of the vehicle 10 for which the insurance premium is to be determined from the history information storage unit 229b and the battery information storage unit 229c, respectively, and determines the appropriateness of the handling of the battery 130 by the delivery company 50 from the acquired driving history information, and determines the appropriateness of the handling of the battery 130 by the driver 40 from the acquired battery information (step S208).

[0204] The insurance premium determination unit 225 determines the insurance premium to be set for the target vehicle 10 based on the determination results of the handling determination unit 227 and the risk determination unit 224 (step S209).

[0205] In addition, based on the judgment result of the handling judgment unit 227, the insurance premium determination unit 225 judges whether or not there is a discount system that can be applied to the target vehicle 10 from among the various discount systems stored in the insurance premium amount storage unit 229f (step S210).

[0206] If there is an applicable discount system because the delivery company 50 is making efforts to avoid the risk of running out of power, the driver 40 is handling the battery 130 properly, and the handling judgment unit 227 has given a good judgment result (step S210: Yes), the insurance premium determination unit 225 applies the discount system and makes a discount on the determined insurance premium (step S211).

[0207] If there is no applicable discount system (step S210: No), the insurance premium determination unit 225 proceeds to the next step S212 without applying a discount.

[0208] The insurance premium determination unit 225 judges whether the currently determined insurance premium has increased by more than a predetermined percentage compared to the insurance premium before renewal (step S212). If the currently determined insurance premium has increased by more than a predetermined percentage compared to the insurance premium before renewal (step S212: Yes), the insurance premium determination unit 225 generates information about the insurance premium by adding information about the increase in the insurance premium (step S213).

[0209] If the current insurance premium has not increased by more than a predetermined percentage from the pre-renewal insurance premium (step S212: No), the insurance premium determination unit 225 generates information regarding the insurance premium without adding any additional information.

[0210] The transmission unit 226 transmits the information regarding the insurance premium generated by the insurance premium determination unit 225 to the information terminal 321 of the insurance company 30 (step S214).

[0211] The receiving unit 221 waits for information to be transmitted from the information terminal 321 of the insurance company 30 to be presented to the delivery company 50 or driver 40 whose current insurance premium has increased by more than a specified percentage from the insurance premium before renewal (step S215).

[0212] When the receiving unit 221 receives information to be presented to the delivery company 50 or the driver 40 from the information terminal 321 (step S215: Yes), the information is added to the corresponding presented information and stored in the presented information storage unit 229g (step S216).

[0213] The information presenting unit 228 waits for access to the server device 220 from the information terminal 501, 401 of the delivery company 50 or the driver 40 (step S217). When the insured person ID or the driver ID and the password are input from the information terminal 501, 401 to access the server device 220 (step S217: Yes), the information presenting unit 228 refers to the presented information storage unit 229g and verifies the input insured person ID or the driver ID and the password (step S218).

[0214] If the entered insured person ID or driver ID and password do not match (step S218: No), the information presentation unit 228 continues to wait for access from the information terminal 501, 401 without allowing access from the information terminal 501, 401 to the server device 220 (step S217).

[0215] If the input insured person ID or driver ID and password are successfully authenticated (step S218: Yes), the information presenter 228 permits access from the information terminal 501, 401 to the server device 220 (step S219).

[0216] The information presentation unit 228 determines whether there is information to present to the delivery company 50 or the driver 40 who has the information terminal 501, 401 to which access has been granted (step S220). If there is information to present (step S220: Yes), the information presentation unit 228 causes the information terminal 501, 401 to display the information (step S221).

[0217] If there is no presented information (step S220: No), the information presenter 228 ends the process without causing the information terminal 501, 401 to display any information.

[0218] This completes the insurance premium determination process by the server device 220 of the second embodiment.

[0219] (Overview) As mentioned above, there are cases where the cause of running out of power in electric vehicles is the delivery company, such as when the delivery company does not make an effort to avoid running out of power. However, the current insurance system does not provide services such as different premiums for delivery companies that are proactive in avoiding running out of power and delivery companies that are not. For this reason, there is a risk that delivery companies that are trying to avoid running out of power will feel a sense of unfairness.

[0220] In addition, as described above, battery deterioration occurring in an electric vehicle may be caused by the driver, such as when the battery is used improperly, or it may be caused by a manufacturing defect, for which it is not appropriate to hold the driver responsible. However, under the current insurance system, the premium is not determined according to the driver's use of the battery and the condition of the battery at the time of purchase. For this reason, delivery company 50, which has many drivers who use the battery properly, may feel a sense of unfairness.

[0221] According to the server device 220 of the second embodiment, the insurance premium is determined based on at least one of the risk of running out of power applied to the delivery company 50 and information on the handling of the battery 130 by the driver 40. This allows the insurance premium to be set appropriately according to the risk of running out of power and the state of the battery 130. In addition, there are benefits such as low insurance premiums being applied to the vehicles 10 of delivery companies 50 that are proactive in avoiding running out of power and delivery companies 50 that have many drivers 40 who handle the battery 130 appropriately, and this can alleviate the sense of unfairness felt by the insured delivery companies 50.

[0222] According to the server device 220 of the second embodiment, the information regarding the handling of the battery 130 includes at least one history of the SOC of the battery 130 and the temperature of the battery 130. This makes it possible to accurately determine how the driver 40 handles the battery 130.

[0223] According to the server device 220 of the second embodiment, it is determined whether or not to apply a discount system for insurance premiums based on at least one of the risk of running out of power and information on the handling of the battery 130. This provides a discount on insurance premiums for delivery companies 50 that are proactive in avoiding running out of power and delivery companies 50 that have many drivers 40 who properly handle the battery 130, thereby mitigating the sense of unfairness felt by the insured delivery companies 50.

[0224] According to the server device 220 of the second embodiment, when the insurance premium determined using the risk of running out of power and the information on the handling of the battery 130 has increased by more than a predetermined percentage compared to the insurance premium before renewal, the information on the high risk of running out of power is presented to the delivery company 50 and the information on the state of the battery 130 is presented to the driver 40. This allows the delivery company 50 to recognize that there is a high risk of running out of power, and also allows the driver 40 to recognize that the way he or she handles his or her battery 130 is inappropriate, and it is possible to encourage the delivery company 50 and the driver 40 to improve the handling, etc. Therefore, it is possible to avoid running out of power and suppress the deterioration of the battery 130.

[0225] According to the server device 220 of the second embodiment, information on a method for avoiding the risk of running out of power is presented to the delivery company 50, and information on how to handle the battery 130 is presented to the driver 40. This allows the delivery company 50 to know how to avoid running out of power, and the driver 40 to know how to properly handle the battery 130, thereby reducing the risk of running out of power and the deterioration of the battery 130.

[0226] In the above-mentioned second embodiment, the insurance premium determination unit 225 calculates the increase rate of the current insurance premium, and the information presentation unit 228 presents information to the delivery company 50 or the driver 40 whose insurance premium has increased beyond a predetermined rate. However, for example, the handling determination unit may periodically or irregularly extract delivery companies and drivers who handle batteries inappropriately, and present information to those delivery companies and drivers.

[0227] In the above-described second embodiment, the delivery company 50 and the driver 40 access the server device 220 using the information terminals 501, 401 to confirm the information addressed to them. However, the method of presenting information to the delivery company 50 or the specific driver 40 is not limited to this.

[0228] For example, when the server device has email address information of a delivery company or a driver in the presented information, etc., and obtains information to be presented to a delivery company or a specific driver from the information terminal 321 of the insurance company 30, the information may be sent to the email address of the relevant delivery company or insured person. In this case, the insurance company 30 is deemed to have obtained prior consent from the delivery company and the driver to use such email address of the delivery company or the driver.

[0229] In the above-described second embodiment, the information terminal 321 of the insurance company 30 generates information to be presented to the delivery company 50 or the driver 40 and transmits it to the server device 220. However, the server device may generate information for the delivery company or the driver.

[0230] In this case, the server device may transmit the generated information to an information terminal of the insurance company 30, or, with approval from the insurance company 30, may present the information to an information terminal of the delivery company or driver that has accessed the server device, or may transmit the information to an information terminal of the delivery company or driver.

[0231] (Variation 1) Next, a description will be given of a server device according to Modification 1 of Embodiment 2. The server device according to Modification 1 differs from that according to the above-described Embodiment 2 in that it determines the insurance premium to be set for the insured person.

[0232] In the information held by the server device as the information processing device of the first modification, an insured person ID as identification information of the insured person and information regarding the handling of the battery by the insured person are linked and managed.

[0233] The insurance premium determination unit of the server device of the first modification determines the insurance premium to be set for the insured person based on the information on the insured person's avoidance of running out of power and handling of the battery. The insured person may be a corporation, organization, or group such as a delivery company, or the driver himself / herself who is an employee of the delivery company.

[0234] The insurance covered by the server device of the first modified example may be driver insurance or the like that is applied to the driver himself / herself when driving a vehicle assigned by a delivery company, etc. In this case, the vehicle covered by the insurance contract may be, for example, a vehicle used for logistics such as delivery work.

[0235] According to the server device of the first modification, the insured person's ID that can uniquely identify the insured person is linked to the information on the status of avoiding running out of power and the handling of the battery, and the insurance premium determined by the server device is set for the insured person. This allows the insurance premium to be determined in accordance with driver's insurance, etc., improving the convenience of the insured person.

[0236] (Variation 2) Next, a description will be given of a server device according to Modification 2 of Embodiment 2. To the server device according to Modification 2, a premium surcharge system according to the state of avoiding running out of power and the state of handling the battery is applied.

[0237] The insurance premium amount storage unit of the modified example 2 stores various information similar to that of the insurance premium amount storage unit 229f of the above-mentioned embodiment 2. The insurance premium amount storage unit of the modified example 2 may also store information related to an insurance premium surcharge system according to the power shortage avoidance status and the battery handling status.

[0238] The insurance premium determination unit of variant example 2 may determine, for each insured person, whether or not the insured person is eligible for the surcharge system stored in the insurance premium amount storage unit, and may apply the surcharge system to insured persons who neglect to avoid running out of power or who treat their batteries roughly.

[0239] Generally, if the information processing device, server device, insurance premium determination method, and system disclosed herein are not introduced, insurance premiums are not set according to the situation regarding avoiding running out of power and the handling of the battery, so even if an insured person makes efforts to avoid running out of power and uses the vehicle in a way that is kind to the battery, the vehicle insurance premiums are set at a flat rate, which causes a sense of unfairness for the insured person.

[0240] According to the server device of the second modification, the insurance premium reflects the situation of avoiding running out of power and the situation of handling the battery, and the premium can be set higher depending on the insured person. In other words, the premium will be higher for insured persons who neglect to avoid running out of power and are at high risk of running out of power, and for insured persons who handle the battery roughly and use the battery in a way that makes it more likely to deteriorate, while the premium will be lower for insured persons who make an effort to avoid running out of power, do not handle the battery roughly, and use the battery in a way that makes it less likely to deteriorate.

[0241] In this way, the insured's insurance premium is set according to the situation of avoiding running out of power and the handling of the battery, so the insured's sense of fairness regarding the insurance premium is enhanced. Furthermore, insured persons who handle their vehicles roughly, which increases the risk of running out of power and who use their vehicles in a way that is likely to damage the battery, are also motivated to treat their vehicles properly and reduce their insurance premiums. Therefore, such insured persons will also be proactive in avoiding running out of power and will change their usage to be more battery-friendly, which will help avoid running out of power and extend the battery's life, and as a result, it will be possible to increase convenience for insured persons, etc.

[0242] The functional configurations of the server device and the BMU 101 in the above-mentioned first and second embodiments and their first and second modifications are merely examples, and the server device and the BMU 101 may not have all the functional configurations described above, and may have other functional configurations in addition to the above-mentioned functional configurations. Also, the ECU or the BMU may have part or all of the functional configurations of the server device, and the server device may have part or all of the functional configurations of the BMU. That is, the information processing device of the present disclosure may be an ECU or a BMU, etc., in addition to the server device in the above-mentioned first and second embodiments and their first and second modifications.

[0243] Although some embodiments of the present disclosure have been described, these embodiments are presented as examples and are not intended to limit the scope of the invention. These embodiments can be implemented in various other forms, and various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. These embodiments and their modifications are included in the scope of the invention and its equivalents as well as the scope and spirit of the invention. [Explanation of symbols]

[0244] 1,2 Insurance premium determination system 10 Vehicles 20,220 Server equipment 30 Insurance companies 40 Driver 50 Shipping Companies 101 BMU 110 Vehicle Control System 130a~130n battery 121,221 Receiver 122,222 Map Generation Unit 123,223 Risk Calculation Department 124,224 Risk Assessment Department 125,225 Insurance Premium Determination Department 126,226 Transmitter 227 Handling Judgment Department 228 Information Presentation Department 129a Vehicle information storage unit 129b, 229b History information storage section 129c,229c Battery information storage section 129d,229d Map storage area 129e,229e Correlation storage section 129f, 229f Insurance premium amount storage section 229g Presentation information storage section 301,321 Information terminals 401 Information terminal 501 Information terminal

Claims

1. a risk level calculation unit that calculates a risk level by indexing a risk that a charge level of a battery mounted on a moving object will become less than a predetermined level while the moving object is traveling, based on information regarding a power consumption level of the battery mounted on the moving object; an insurance premium determination unit that determines an insurance premium according to the degree of risk, The risk calculation unit is calculating a predicted value of the power consumption of the battery based on the information; calculating a probability of arrival of the moving object at a predetermined destination based on the predicted value; calculating the risk level based on the arrival probability; Information processing device.

2. the information includes travel history information regarding a travel history of the mobile object, The risk calculation unit is Calculating the arrival probability based on the driving history information; The information processing device according to claim 1 .

3. The information is The information includes information indicating characteristics of the battery and information indicating a usage environment of the battery, The risk calculation unit is correcting the arrival probability based on the information of the battery; 3. The information processing device according to claim 1 or 2.

4. a risk determination unit that determines a risk that the charge amount of the battery will become less than a predetermined amount based on a correlation between the risk level and a possibility that the charge amount of the battery will become less than a predetermined amount while the moving body is traveling; The insurance premium determination unit determining the insurance premium based on the result of the risk assessment; The information processing device according to claim 1 .

5. The insurance premium determination unit determining the insurance premium based on information regarding the handling of the battery by a driver who drives the mobile object; The information processing device according to claim 1 .

6. The information regarding the handling of the battery is as follows: The battery includes a state of charge, which is a ratio of a remaining capacity to a full charge capacity of the battery, and a temperature of the battery. The information processing device according to claim 5 .

7. The insurance premium determination unit determining whether or not to apply the insurance premium discount system based on at least one of the degree of risk and the information on handling of the battery; 7. The information processing device according to claim 5 or 6.

8. and an information presenting unit that presents at least one of the risk level and information on the state of the battery to the insured person or the driver when the insurance premium determined using at least one of the risk level and information on the handling of the battery has increased by more than a predetermined rate compared to the insurance premium before renewal. The information processing device according to claim 5 .

9. The information presentation unit is Present information to the insured person to whom the information is to be presented on a method for reducing the risk; Present information on how to handle the battery to the driver who is the subject of the presentation; The information processing device according to claim 8.

10. Identification information that can uniquely identify the driver is linked to information regarding handling of the battery, The insurance premium is set for the driver. The information processing device according to claim 5 .

11. The insurance premium is set for the mobile object. The information processing device according to claim 1 .

12. The moving object is a moving object covered by an insurance contract to which the insured person subscribes. The information processing device according to claim 1 .

13. The information processing device is a server device. The information processing device according to claim 1 .

14. An information processing device, calculating a degree of risk that the charge level of a battery mounted on a moving object will fall below a predetermined level while the moving object is traveling based on information regarding the power consumption of the battery; Determine the insurance premium according to the risk level, When calculating the risk, calculating a predicted value of the power consumption of the battery based on the information; calculating a probability of arrival of the moving object at a predetermined destination based on the predicted value; calculating the risk level based on the arrival probability; How premiums are determined.

15. A first information generating unit that generates travel history information regarding a travel history of a moving object; a second information generating unit that generates information about power consumption of the battery based on a voltage change and a current change in the battery mounted on the moving object; a risk level calculation unit that calculates a risk level by indexing a risk that the charge level of the battery will become less than a predetermined level while the mobile object is traveling based on the travel history information and information regarding the power consumption of the battery; an insurance premium determination unit that determines an insurance premium according to the degree of risk, The risk calculation unit is calculating a predicted value of the power consumption of the battery based on the information; calculating a probability of arrival of the moving object at a predetermined destination based on the predicted value; calculating the risk level based on the arrival probability; system.

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