Information processing device, information processing method, and program

Abstract

To compensate for damage on an insurance object, caused by rainfall.SOLUTION: An information processing device 1 includes a storage unit 12 for storing information showing target organisms being objects of insurance for compensating for damage on organisms living in water caused by rainfall and an application condition for applying the insurance, an acquisition unit 131 for acquiring weather information to specify the weather in an inflow range defined as a range where rainwater can flow into a river, and water area turbidity information to identify the turbidity of a location where target organisms exist in the inflow water area into which river water flows, a determination unit 132 for determining whether the weather of the inflow range and the turbidity of the location satisfy the application condition on the basis of the weather information and the water area turbidity information, and an output unit 135 for outputting information showing that the insurance is applied if the determination unit 132 determines that the application condition is satisfied.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing device, an information processing method, and a program. [Background technology]

[0002] Conventionally, there is known an insurance service in which insurance money is paid to an insured person when a disaster occurs and damages an insured object. Patent Document 1 discloses a technology for predicting the degree of damage to an insured object by using sensor information indicating the amount of precipitation, etc., observed by a sensor at the position of the insured object. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Re-tabled publication No. 2021-084699 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in the conventional technology, even if rainfall has caused damage to an object, the extent of the damage to the object may be predicted to be small or there may be no damage to the object, in which case insurance may not be applied to the damage to the object caused by rainfall.

[0005] Therefore, the present invention has been made in consideration of these points, and has an object to provide an information processing device, an information processing method, and a program that can compensate for damage to insured property caused by rainfall. [Means for solving the problem]

[0006] An information processing device according to a first aspect of the present invention has a memory unit that stores information indicating a target organism that is the subject of insurance that compensates for damage caused to organisms living in water by rainfall and application conditions for applying the insurance, an acquisition unit that acquires weather information for identifying the weather in an inflow range defined as the range in which rainwater may flow into a river and water body turbidity information for identifying the turbidity of a location where the target organism is present in an inflow water body into which water from the river flows, a judgment unit that judges whether the weather in the inflow range and the turbidity of the location satisfy the application conditions based on the weather information and the water body turbidity information, and an output unit that outputs information indicating that the insurance will be applied if the judgment unit determines that the application conditions are met.

[0007] The application conditions may include a turbidity threshold indicating a boundary of the turbidity of the location, which is set to determine whether or not the survival of the target organism is affected, and the judgment unit may determine that the weather in the inflow range and the turbidity of the location satisfy the application conditions when the weather in the inflow range is rainy and the turbidity of the location exceeds the turbidity threshold, and may determine that the weather in the inflow range and the turbidity of the location do not satisfy the application conditions when the weather in the inflow range is weather other than rain or the turbidity of the location is below the turbidity threshold.

[0008] The application conditions may include a rainfall threshold which is a threshold value set for determining whether or not it will affect the change in turbidity at the location, and which indicates the boundary of the cumulative rainfall at the estuary between the river and the inflowing water area, the weather information may include the rainfall in the inflow range, the information processing device may further have a calculation unit which calculates the cumulative rainfall at the estuary due to rainfall in the inflow range based on the rainfall in the inflow range, and the determination unit may determine that the weather in the inflow range and the turbidity at the location satisfy the application conditions if the cumulative rainfall at the estuary calculated by the calculation unit exceeds the rainfall threshold and the turbidity of the location exceeds the turbidity threshold, and may determine that the weather in the inflow range and the turbidity of the location do not satisfy the application conditions if the cumulative rainfall at the estuary calculated by the calculation unit is below the rainfall threshold or the turbidity of the location is below the turbidity threshold.

[0009] The inflow range may include a number of divided inflow ranges, and each divided inflow range included in the inflow range may be set with a coefficient, and the calculation unit may calculate the cumulative rainfall at the estuary due to rainfall in the inflow range by summing up the values ​​of each divided inflow range multiplied by the time it takes for rainwater in each divided inflow range to flow into the river and reach the estuary and the coefficient set for each divided inflow range.

[0010] The application conditions may include a second turbidity threshold which is a threshold set for determining whether the turbidity of the location exceeds a first turbidity threshold which is the turbidity threshold, and which indicates the boundary of the turbidity of the estuary, the acquisition unit may further acquire estuary turbidity information for identifying the turbidity of the estuary, and the determination unit may further determine that the weather in the inflow range and the turbidity of the location satisfy the application conditions if the turbidity of the estuary exceeds the second turbidity threshold, and determine that the weather in the inflow range and the turbidity of the location do not satisfy the application conditions if the turbidity of the estuary is below the second turbidity threshold.

[0011] The application conditions may include a flow velocity threshold which is a threshold value set for determining whether water from the river will reach the location, and indicates a boundary of the flow velocity at the estuary, and the acquisition unit may further acquire flow velocity information for identifying the flow velocity at the estuary, and the determination unit may further determine that the weather in the inflow range and the turbidity at the location satisfy the application conditions if the flow velocity at the estuary exceeds the flow velocity threshold, and determine that the weather in the inflow range and the turbidity at the location do not satisfy the application conditions if the flow velocity of the estuary identified by the flow velocity information is below the flow velocity threshold.

[0012] The acquisition unit may acquire water body turbidity information corresponding to the water body range from the river mouth to the location and water body flow velocity information indicating the flow velocity in the water body range, the information processing device may further have an estimation unit that estimates the distribution of turbidity in the water body range based on the water body turbidity information and the water body flow velocity information, and the determination unit may determine whether the turbidity of the location in the turbidity distribution estimated by the estimation unit satisfies the application condition.

[0013] The application conditions may include a water temperature threshold indicating a boundary of the water temperature at the location, which is set to determine whether or not there is an effect on the survival of the target organism, and the judgment unit may further judge that the water temperature at the location satisfies the application conditions if the water temperature at the location exceeds the water temperature threshold, and may determine that the water temperature at the location does not satisfy the application conditions if the water temperature at the location is below the water temperature threshold.

[0014] The acquisition unit may acquire the water body turbidity information from a specified mobile body that collects the water body turbidity information while scanning the location when the weather in the inflow range identified by the acquired weather information satisfies specified conditions.

[0015] An information processing method according to a second aspect of the present invention includes the steps of acquiring, executed by a computer, weather information for identifying the weather in an inflow range defined as the range in which rainwater may flow into a river, and water body turbidity information for identifying the turbidity of a location where a target organism that is the subject of insurance that compensates for damage caused by rainfall to organisms living in water in an inflow water area into which water from the river flows is located; determining, based on the weather information and the water body turbidity information, whether the weather in the inflow range and the turbidity of the location satisfy the application conditions for applying the insurance; and outputting information indicating that the insurance will be applied if it is determined that the application conditions are met.

[0016] A program according to a third aspect of the present invention causes a computer to function as an acquisition unit that acquires weather information for identifying the weather in an inflow range defined as the range in which rainwater may flow into a river, and water body turbidity information for identifying the turbidity of a location where a target organism that is the subject of insurance that compensates for damage caused by rainfall to organisms living in water in an inflow water area into which water from the river flows is located, a judgment unit that judges whether the weather in the inflow range and the turbidity of the location satisfy the application conditions for applying the insurance, based on the weather information and the water body turbidity information, and an output unit that outputs information indicating that the insurance will be applied when the judgment unit determines that the application conditions are satisfied. Effect of the Invention

[0017] According to the present invention, it is possible to compensate for damage caused to an insured property by rainfall. [Brief description of the drawings]

[0018] [Figure 1] FIG. 1 is a diagram for explaining an overview of an information processing device. [Diagram 2] FIG. 1 is a diagram illustrating a configuration of an information processing device. [Diagram 3] FIG. 2 is a diagram illustrating an example of a configuration of an insurance management database. [Figure 4]FIG. 13 is a diagram showing a schematic representation of an inflow range. [Diagram 5] FIG. 1 is a diagram showing a schematic representation of the distribution of turbidity in a water area. [Figure 6] 10 is a flowchart showing a flow of processing in the information processing device. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0019] [Overview of information processing device 1] FIG. 1 is a diagram for explaining an overview of an information processing device 1. The information processing device 1 is a device that manages insurance services, such as a server. The insurance service is a service that provides an insured with insurance that compensates for damage caused to target organisms living in water by natural disasters such as rainfall. The target organisms are organisms that are the subject of insurance, such as algae, shellfish, and fish.

[0020] The information processing device 1 manages the details of the insurance service that the insured person subscribes to. The details include the target organism and the application conditions for applying the insurance. The application conditions are conditions that are determined to identify the causal relationship between a natural disaster and a change in water quality that may affect the survival of the target organism in the place where the target organism exists, as will be described in detail later.

[0021] In conventional insurance services, if a natural disaster occurs in a place where a target organism exists and the target organism is damaged by the natural disaster (for example, if the target organism dies or its growth is hindered), the insurance applies and insurance money is paid for the insured's loss caused by the damage to the target organism caused by the natural disaster. However, in conventional insurance services, there are cases where the insurance does not apply even if there is a causal relationship between the natural disaster and the damage to the target organism.

[0022] In the example shown in FIG. 1, the target organism is present in an existence location E of an inflowing water area W into which the water of a river C flows. For example, when it rains on the river C side, the rainwater that fell on land flows into the river C, causing the water of the river C to become polluted by mud, etc., and the polluted water flows into the inflowing water area W, causing the water quality of the existence location E to deteriorate. The more the amount of rainfall on the river C side, the more polluted the water of the river C becomes, and the more the water quality of the existence location E deteriorates in response to the increase in the degree of pollution of the water of the river C. For example, when the water quality of the existence location E deteriorates, the target organism dies, or sunlight does not reach the target organism, inhibiting its growth. In this way, in conventional insurance services, even though there is actually a causal relationship between a natural disaster and the damage to the target organism, insurance is not applied because a natural disaster does not occur in the existence location E.

[0023] Therefore, in the insurance service of this embodiment, when the water quality of the location E deteriorates due to rainfall on the river C side, insurance is applied and insurance money is paid to the insured to compensate for damages caused by the death and inhibition of growth of the target organism due to the deterioration of the water quality of the location E. The following describes the flow of processing in which the information processing device 1 determines whether or not insurance is appropriate in the insurance service.

[0024] First, the information processing device 1 acquires weather information ((1) in FIG. 1). The weather information is information for identifying the weather in inflow range A, which is defined as the range in which rainwater may flow into river C. The weather information is, for example, information indicating the presence or absence of rainfall in inflow range A, or information indicating the amount of rainfall in inflow range A. The weather information is, for example, information observed by a meteorological satellite, or information measured by a sensor installed on the ground.

[0025] The information processing device 1 also acquires water body turbidity information ((2) in FIG. 1). The water body turbidity information is information for identifying the turbidity of the location E. The water body turbidity information is, for example, a numerical value indicating the turbidity of the location E. The water body turbidity information is, for example, information measured by a sensor such as a turbidity meter.

[0026] The information processing device 1 determines whether the weather in the inflow range A and the turbidity at the location E satisfy the application conditions based on the weather information and the water area turbidity information, thereby determining whether the insurance is applicable ((3) in FIG. 1). Then, when the information processing device 1 determines that the weather in the inflow range A and the turbidity at the location E satisfy the application conditions, it outputs information indicating that the insurance is applicable ((4) in FIG. 1).

[0027] In this way, the information processing device 1 can compensate for damage caused to the target creature due to bad weather. The configuration of the information processing device 1 will be described below.

[0028] [Configuration of information processing device 1] 2 is a diagram showing a configuration of the information processing device 1. The information processing device 1 has a communication unit 11, a storage unit 12, and a control unit 13. The control unit 13 has an acquisition unit 131, a determination unit 132, a calculation unit 133, an estimation unit 134, and an output unit 135.

[0029] The communication unit 11 is an interface for connecting to a network, and includes, for example, a communication controller. The storage unit 12 is a storage medium such as a ROM (Read Only Memory), a RAM (Random Access Memory), and a hard disk. The storage unit 12 stores a program executed by the control unit 13. The storage unit 12 stores an insurance management database that manages information related to insurance.

[0030] Fig. 3 is a diagram showing an example of the configuration of the insurance management database. As shown in Fig. 3, the insurance management database stores information indicating a target organism and information indicating application conditions (turbidity threshold and rainfall threshold) in association with each other. The turbidity threshold is a threshold indicating the boundary of the turbidity of the location E, which is determined to determine whether or not the survival of the target organism is affected. The rainfall threshold is a threshold determined to determine whether or not the change in turbidity of the location E is affected, and is a threshold indicating the boundary of the accumulated rainfall at the estuary between the river C and the inflowing water area W.

[0031] 2, the control unit 13 is, for example, a CPU (Central Processing Unit). The control unit 13 executes a program stored in the storage unit 12 to function as an acquisition unit 131, a determination unit 132, a calculation unit 133, an estimation unit 134, and an output unit 135.

[0032] The acquisition unit 131 acquires weather information for identifying the weather in inflow range A defined as the range where rainwater may flow into river C, and water body turbidity information for identifying the turbidity of a location E where a target organism exists in an inflow water area W into which the water of river C flows. The acquisition unit 131 may acquire the weather information and the water body turbidity information at the same time, or may acquire them at different times. The acquisition unit 131 acquires weather information corresponding to inflow range A from, for example, an external server that manages information related to weather.

[0033] The acquisition unit 131 acquires water area turbidity information of the location E from, for example, a sensor installed in the water of the location E. The acquisition unit 131 may acquire the water area turbidity information of the location E from a predetermined moving object that collects water area turbidity information while scanning. The predetermined moving object is, for example, a drone that can move in the air, on the water, or in the water, and is equipped with a sensor that can measure the turbidity in the water. For example, the acquisition unit 131 further functions as a moving object control unit that controls the predetermined moving object, causes the predetermined moving object to collect water area turbidity information at the location E, and acquires the collected water area turbidity information. Note that the predetermined moving object is equipped with a camera that captures the location E, and the acquisition unit 131 may acquire an image captured by the camera of the predetermined moving object, and estimate the turbidity of the location E based on the acquired image, thereby acquiring the water area turbidity information.

[0034] For example, first, when the acquisition unit 131 acquires weather information, the determination unit 132, which will be described later, determines whether the weather in the inflow range A specified by the weather information satisfies a predetermined condition (for example, when the weather in the inflow range A is rainy, or when the accumulated rainfall at the river mouth exceeds a predetermined threshold). Then, when the determination unit 132 determines that the weather in the inflow range A specified by the weather information satisfies the predetermined condition, the acquisition unit 131 causes a predetermined mobile body to collect turbidity information at the location E, and acquires the collected water body turbidity information. In this way, the information processing device 1 can easily identify the condition of the entire location E by acquiring water body turbidity information from the predetermined mobile body.

[0035] The determination unit 132 determines whether or not there is a causal relationship between the weather in the inflow range A and the deterioration of the water quality of the location E. Specifically, the determination unit 132 determines whether or not the weather in the inflow range A and the turbidity of the location E satisfy the application condition, based on the weather information and water area turbidity information acquired by the acquisition unit 131.

[0036] More specifically, when the weather in the inflow range A specified by the weather information acquired by the acquisition unit 131 is rain and the turbidity of the location E specified by the water body turbidity information acquired by the acquisition unit 131 exceeds the turbidity threshold, the determination unit 132 determines that the weather in the inflow range A and the turbidity of the location E satisfy the application condition. On the other hand, when the weather in the inflow range A specified by the weather information acquired by the acquisition unit 131 is weather other than rain, or when the turbidity of the location E specified by the water body turbidity information acquired by the acquisition unit 131 is below the turbidity threshold, the determination unit 132 determines that the weather in the inflow range A and the turbidity of the location E do not satisfy the application condition.

[0037] For example, first, when the acquisition unit 131 acquires either the weather information or the water body turbidity information (e.g., the water body turbidity information), the determination unit 132 determines whether the turbidity of the location E specified by the water body turbidity information satisfies the application condition based on whether the turbidity of the location E specified by the water body turbidity information exceeds a turbidity threshold. When it is determined that the turbidity of the location E satisfies the application condition, the acquisition unit 131 acquires weather information. Then, the determination unit 132 determines whether the weather in the inflow range A satisfies the application condition based on whether the weather in the inflow range A specified by the weather information acquired by the acquisition unit 131 is rainy. In this way, the information processing device 1 can determine whether there is a causal relationship between the weather in the inflow range A and the deterioration of the water quality of the location E.

[0038] The determination unit 132 may determine, based on the accumulated rainfall at the river mouth, whether or not the weather in the inflow range A and the turbidity at the location E satisfy the application condition. For example, the weather information includes the rainfall in the inflow range A.

[0039] In this case, first, the calculation unit 133 calculates the accumulated rainfall at the river mouth due to rainfall in the inflow range A based on the rainfall in the inflow range A. Then, if the accumulated rainfall at the river mouth calculated by the calculation unit 133 exceeds the rainfall threshold and the turbidity at the location E exceeds the turbidity threshold, the determination unit 132 determines that the weather in the inflow range A and the turbidity at the location E satisfy the application condition. On the other hand, if the accumulated rainfall at the river mouth calculated by the calculation unit 133 falls below the rainfall threshold or the turbidity at the location E falls below the turbidity threshold, the determination unit 132 determines that the weather in the inflow range A and the turbidity at the location E do not satisfy the application condition.

[0040] For example, inflow range A includes a number of divided inflow ranges, and the calculation unit 133 calculates the accumulated rainfall at the estuary by accumulating the rainfall at the estuary due to rainfall in each divided inflow range included in inflow range A.

[0041] Fig. 4 is a diagram showing a schematic diagram of the inflow range A. As shown in Fig. 4, the inflow range A includes a plurality of divided inflow ranges. For example, one or more sensors are installed in each divided inflow range.

[0042] In this case, when the acquisition unit 131 acquires weather information including the amount of rainfall in each divided inflow range, the calculation unit 133 calculates the cumulative amount of rainfall at the river mouth due to rainfall in the inflow range A by summing up the values ​​of each divided inflow range multiplied by the amount of rainfall in each divided inflow range multiplied by the time it takes for rainwater in each divided inflow range to flow into the river C and reach the river mouth. In this way, the information processing device 1 can improve the accuracy of identifying whether or not there is a causal relationship between the weather in the inflow range A and the deterioration of the water quality at the location E.

[0043] In the inflow range A, there may be places where the proportion of mud mixed in the rainwater flowing into the river C is high, i.e., places that are highly likely to affect the turbidity of the location E, and places where the proportion of mud mixed in the rainwater flowing into the river C is low, i.e., places that are low likely to affect the turbidity of the location E. Therefore, the calculation unit 133 may calculate the accumulated rainfall at the river mouth, taking into account the degree of the probability of affecting the turbidity of the location E.

[0044] For example, a coefficient is set for each divided inflow range included in inflow range A. For example, a coefficient for increasing the amount of rainfall is set for a location that is highly likely to affect the turbidity of location E, and a coefficient for decreasing the amount of rainfall is set for a location that is less likely to affect the turbidity of location E.

[0045] In this case, the calculation unit 133 calculates the cumulative rainfall at the river mouth due to rainfall in inflow range A by summing up the values ​​of each divided inflow range multiplied by the time it takes for rainwater in each divided inflow range to flow into the river and reach the river mouth and the coefficient set for each divided inflow range. In this way, the information processing device 1 can calculate the cumulative rainfall at the river mouth taking into account the characteristics of the divided inflow ranges.

[0046] The determination unit 132 may determine, based on the turbidity at the river mouth, whether or not the weather in the inflow range A and the turbidity at the location E satisfy the application condition. The application condition includes a second turbidity threshold, which is a threshold set for determining whether the turbidity at the location E exceeds a first turbidity threshold, and indicates the boundary of the turbidity at the river mouth.

[0047] In this case, first, the acquisition unit 131 further acquires estuary turbidity information for identifying the turbidity of the estuary. For example, a sensor for measuring turbidity is installed at the estuary, and the acquisition unit 131 acquires the estuary turbidity information from the sensor.

[0048] Then, when the turbidity at the river mouth exceeds the second turbidity threshold, the determination unit 132 determines that the weather in the inflow range A and the turbidity at the location E satisfy the application condition. On the other hand, when the turbidity at the river mouth falls below the second turbidity threshold, the determination unit 132 determines that the weather in the inflow range A and the turbidity at the location E do not satisfy the application condition. In this way, the information processing device 1 can improve the accuracy of identifying whether or not there is a causal relationship between the weather in the inflow range A and the deterioration of the water quality at the location E.

[0049] The determination unit 132 may determine whether or not the weather in the inflow range A and the turbidity at the location E satisfy the application condition based on the flow velocity at the river mouth. The application condition includes a flow velocity threshold value that is a threshold value set for determining whether the water of the river C reaches the location E and indicates a boundary of the flow velocity at the river mouth.

[0050] In this case, first, the acquisition unit 131 further acquires flow velocity information for identifying the flow velocity at the river mouth. For example, a sensor for measuring the flow velocity is installed at the river mouth, and the acquisition unit 131 acquires the flow velocity information from the sensor.

[0051] Then, when the flow velocity of the river mouth exceeds the flow velocity threshold, the determination unit 132 determines that the weather in the inflow range A and the turbidity of the location E satisfy the application condition. On the other hand, when the flow velocity of the river mouth specified by the flow velocity information is below the flow velocity threshold, the determination unit 132 determines that the weather in the inflow range A and the turbidity of the location E do not satisfy the application condition. In this way, the information processing device 1 can improve the accuracy of determining whether or not there is a causal relationship between the weather in the inflow range A and the deterioration of the water quality of the location E.

[0052] The determination unit 132 may determine whether the turbidity of the location E satisfies the application condition based on the distribution of turbidity in the water area range from the river mouth to the location E. Specifically, the acquisition unit 131 first acquires water area turbidity information corresponding to the water area range from the river mouth to the location E and water area flow velocity information indicating the flow velocity in the water area range. The estimation unit 134 estimates the distribution of turbidity in the water area range based on the water area turbidity information and the water area flow velocity information. Then, the determination unit 132 determines whether the turbidity of the location E in the turbidity distribution estimated by the estimation unit 134 satisfies the application condition.

[0053] 5 is a diagram showing a schematic diagram of the distribution of turbidity in the water area range B. The water area range B includes a plurality of divided water area ranges. For example, one or more sensors are provided in each divided water area range.

[0054] 5, inflow water R flowing in from river C extends from the river mouth to location E. In this case, the determination unit 132 determines that the increase in turbidity at location E is caused by rainfall in inflow range A, and determines that the turbidity at location E in the turbidity distribution satisfies the application condition.

[0055] On the other hand, for example, if the turbidity of the location E exceeds the water body turbidity threshold but the inflow water R does not extend from the river mouth to the location E, the determination unit 132 determines that the increase in turbidity of the location E is not caused by rainfall in the inflow range A, and determines that the turbidity of the location E in the turbidity distribution does not satisfy the applicable condition. In this way, the information processing device 1 can improve the accuracy of identifying whether or not there is a causal relationship between the weather in the inflow range A and the deterioration of the water quality of the location E.

[0056] In the above, an example has been described in which the determination unit 132 determines whether or not there is a causal relationship between the weather in the inflow range A and the deterioration of the water quality of the location E, but this is not limiting. For example, since the water of the river C is colder than the water in the inflow water area W, if such cold water increases due to rainfall and flows in large amounts into the inflow water area W, the water temperature of the location E will drop, which may affect the survival of the target organism. Therefore, the determination unit 132 may determine whether or not there is a causal relationship between the weather in the inflow range A and the drop in the water temperature of the location E.

[0057] The application conditions include a water temperature threshold value indicating a boundary of the water temperature of the location E, which is determined to determine whether or not the survival of the target organism is affected. In this case, first, the acquisition unit 131 further acquires water temperature information for identifying the water temperature of the location E. For example, a sensor for measuring the water temperature is installed in the location E, and the acquisition unit 131 acquires the water temperature information from the sensor.

[0058] Then, when the water temperature at the presence location E exceeds the water temperature threshold, the determination unit 132 further determines that the water temperature at the presence location E satisfies the application condition. On the other hand, when the water temperature at the presence location E is below the water temperature threshold, the determination unit 132 determines that the water temperature at the presence location E does not satisfy the application condition. In this way, the information processing device 1 can compensate for damage to the target organism caused by rainfall in the flow-in range A.

[0059] For example, an increase in turbidity at the location E may result in an increase in chlorophyll. The determination unit 132 may then determine whether or not there is a causal relationship between the weather in the flow-in range A and the increase in chlorophyll at the location E.

[0060] The application conditions include a chlorophyll threshold indicating a boundary of the amount of chlorophyll in the location E, which is determined to determine whether or not the survival of the target organism is affected. In this case, first, the acquisition unit 131 further acquires chlorophyll information for identifying the amount of chlorophyll in the location E. For example, a sensor for measuring the amount of chlorophyll is installed in the location E, and the acquisition unit 131 acquires the chlorophyll information from the sensor.

[0061] Then, when the amount of chlorophyll at location E exceeds the chlorophyll threshold, the determination unit 132 further determines that the amount of chlorophyll at location E satisfies the application condition. On the other hand, when the amount of chlorophyll at location E is below the chlorophyll threshold, the determination unit 132 determines that the amount of chlorophyll at location E does not satisfy the application condition. In this way, the information processing device 1 can compensate for damage to the target organism caused by rainfall in the flow-in range A.

[0062] The output unit 135 outputs application information indicating that the insurance is applied when the determination unit 132 determines that the application conditions are satisfied. The output unit 135 outputs the application information, for example, by displaying the application information on a display unit (not shown) included in the information processing device 1. The output unit 135 may transmit the application information to a terminal used by an insurance service manager or to a terminal used by the insured person.

[0063] [Processing of information processing device 1] Next, a description will be given of the flow of processing by the information processing device 1. Fig. 6 is a flowchart showing the flow of processing by the information processing device 1. This flowchart starts when the acquisition unit 131 acquires water body turbidity information (S1).

[0064] The determination unit 132 determines whether the turbidity of the location E specified by the water area turbidity information exceeds the turbidity threshold (S2). When the determination unit 132 determines that the turbidity of the location E specified by the water area turbidity information does not exceed the turbidity threshold, that is, that the turbidity of the location E is below the turbidity threshold (NO in S2), the process ends.

[0065] On the other hand, if the determination unit 132 determines that the turbidity of the location E specified by the water body turbidity information exceeds the turbidity threshold (YES in S2), the acquisition unit 131 acquires weather information (S3). The calculation unit 133 calculates the accumulated rainfall at the river mouth due to rainfall in the inflow range based on the rainfall in the inflow range A specified by the weather information acquired by the acquisition unit 131 (S4).

[0066] The determination unit 132 determines whether the cumulative rainfall at the river mouth calculated by the calculation unit 133 exceeds the rainfall threshold (S5). When the determination unit 132 determines that the cumulative rainfall at the river mouth does not exceed the rainfall threshold, that is, the cumulative rainfall at the river mouth is below the rainfall threshold (NO in S5), the process ends. On the other hand, when the determination unit 132 determines that the cumulative rainfall at the river mouth exceeds the rainfall threshold (YES in S5), the output unit 135 outputs the application information (S6).

[0067] [Effects of this embodiment] As described above, the information processing device 1 determines whether the weather in the inflow range A and the turbidity at the location E satisfy the application conditions based on the weather information and the water area turbidity information, and outputs the application information when it is determined that the application conditions are satisfied. In this way, the information processing device 1 can compensate for damage caused to the target organism by bad weather.

[0068] Furthermore, this invention will make it possible to contribute to Goal 9 of the United Nations' Sustainable Development Goals (SDGs), which is to "build resilient infrastructure, promote industry, innovation and infrastructure."

[0069] Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist of the present invention. For example, all or part of the device can be configured by distributing or integrating functionally or physically in any unit. In addition, new embodiments resulting from any combination of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment resulting from the combination combines the effect of the original embodiment. [Explanation of symbols]

[0070] 1. Information processing device 11 Communications Department 12 Storage section 13 Control section 131 Acquisition Department 132 Judgment section 133 Calculation section 134 Estimation Department 135 Output section

Claims

1. a storage unit that stores information indicating a target organism that is the subject of insurance that compensates for damage caused to the organism inhabiting the water by rainfall, and application conditions for applying the insurance; an acquisition unit that acquires weather information for identifying the weather in an inflow range defined as a range in which rainwater may flow into a river, and acquires water area turbidity information for identifying the turbidity of a location in an inflow water area into which the river water flows, when the weather in the inflow range identified by the acquired weather information satisfies a predetermined condition; a determination unit that determines whether or not the weather in the inflow range and the turbidity of the location satisfy the application condition based on the weather information and the water body turbidity information; an output unit that outputs information indicating that the insurance is to be applied when the determination unit determines that the application condition is satisfied; An information processing device having the above configuration.

2. The application conditions include a turbidity threshold value indicating a boundary of the turbidity of the location determined to determine whether or not the target organism is affected in survival; The determination unit determines that the weather in the inflow range and the turbidity of the location satisfy the application condition when the weather in the inflow range is rain and the turbidity of the location exceeds the turbidity threshold, and determines that the weather in the inflow range and the turbidity of the location do not satisfy the application condition when the weather in the inflow range is weather other than rain or the turbidity of the location is below the turbidity threshold. The information processing device according to claim 1 .

3. The application conditions include a rainfall threshold value that is set to determine whether or not the application conditions affect a change in turbidity at the location, the rainfall threshold value indicating a boundary of an accumulated rainfall amount at the river mouth between the river and the inflow water area; The weather information includes a rainfall amount in the inflow range, A calculation unit is further provided for calculating an accumulated rainfall amount at the river mouth due to the rainfall in the inflow range based on the rainfall amount in the inflow range, the determination unit determines that the weather in the inflow range and the turbidity at the location satisfy the application condition when the accumulated rainfall at the river mouth calculated by the calculation unit exceeds the rainfall threshold and the turbidity at the location exceeds the turbidity threshold, and determines that the weather in the inflow range and the turbidity at the location do not satisfy the application condition when the accumulated rainfall at the river mouth calculated by the calculation unit falls below the rainfall threshold or the turbidity at the location falls below the turbidity threshold. The information processing device according to claim 2 .

4. The inflow range includes a plurality of divided inflow ranges, A coefficient is set for each of the divided inflow ranges included in the inflow range, the calculation unit calculates the cumulative rainfall at the river mouth due to rainfall in the inflow range by summing up the values ​​of each divided inflow range multiplied by the time it takes for rainwater in each divided inflow range to flow into the river and reach the river mouth and the coefficient set for each divided inflow range. The information processing device according to claim 3 .

5. the application condition includes a second turbidity threshold that is a threshold set for determining whether or not the turbidity at the location exceeds a first turbidity threshold that is the turbidity threshold, and indicates a boundary of the turbidity at the river mouth; The acquisition unit further acquires estuary turbidity information for identifying the turbidity of the estuary, The determination unit further determines that the weather in the inflow range and the turbidity at the location satisfy the application condition when the turbidity at the river mouth exceeds the second turbidity threshold, and determines that the weather in the inflow range and the turbidity at the location do not satisfy the application condition when the turbidity at the river mouth falls below the second turbidity threshold.

5. The information processing device according to claim 3.

6. the application condition includes a flow velocity threshold value that is a threshold value set for determining whether or not the water of the river reaches the location, and indicates a boundary of a flow velocity of the river mouth; The acquisition unit further acquires flow velocity information for identifying a flow velocity of the river mouth, The determination unit further determines that the weather in the inflow range and the turbidity at the location satisfy the application condition when the flow velocity of the river mouth exceeds the flow velocity threshold, and determines that the weather in the inflow range and the turbidity at the location do not satisfy the application condition when the flow velocity of the river mouth specified by the flow velocity information is below the flow velocity threshold. The information processing device according to claim 5 .

7. The acquisition unit acquires the water area turbidity information corresponding to a water area range from the river mouth to the location and water area flow velocity information indicating a flow velocity in the water area range, The method further includes an estimation unit that estimates a turbidity distribution in the water area range based on the water area turbidity information and the water area flow velocity information, the determination unit determines whether or not the turbidity at the location in the turbidity distribution estimated by the estimation unit satisfies the application condition. The information processing device according to claim 3 .

8. The application conditions include a water temperature threshold value indicating a boundary of the water temperature of the location determined for determining whether or not the target organism is affected in survival; the determination unit determines that the water temperature at the location satisfies the application condition when the water temperature at the location exceeds the water temperature threshold, and determines that the water temperature at the location does not satisfy the application condition when the water temperature at the location is below the water temperature threshold. The information processing device according to claim 1 .

9. The acquisition unit acquires the water body turbidity information from a predetermined mobile object that collects the water body turbidity information while scanning the location when the weather in the inflow range specified by the acquired weather information satisfies a predetermined condition. The information processing device according to claim 1 .

10. The computer executes acquiring weather information for identifying the weather in an inflow range defined as a range in which rainwater may flow into a river; a step of acquiring water area turbidity information for identifying the turbidity of a location of a target organism that is the subject of insurance for compensating for damage caused to organisms living in water by rainfall in an inflowing water area into which water from the river flows, when the weather in the inflow range identified by the acquired weather information satisfies a predetermined condition; A step of determining whether or not the weather in the inflow range and the turbidity at the location satisfy an application condition for applying the insurance, based on the weather information and the water body turbidity information; outputting information indicating that the insurance is to be applied when it is determined that the application condition is satisfied; An information processing method comprising the steps of:

11. Computer, an acquisition unit that acquires weather information for identifying the weather in an inflow range defined as a range in which rainwater may flow into a river, and acquires water area turbidity information for identifying the turbidity of a location where a target organism that is the subject of insurance for compensating for damage caused to organisms living in water by rainfall in an inflow water area into which water from the river flows exists when the weather in the inflow range identified by the acquired weather information satisfies a predetermined condition; a determination unit that determines whether or not the weather in the inflow range and the turbidity of the location satisfy an application condition for applying the insurance, based on the weather information and the water body turbidity information; and an output unit that outputs information indicating that the insurance is to be applied when the determination unit determines that the application condition is satisfied; A program to function as a

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