Information processing apparatus, information processing method, and system

Abstract

To ensure user's convenience while suppressing an accident caused by a leased vehicle.SOLUTION: A control section of an information processing device acquires identification information when an accident occurs in a first vehicle leased by a user. The identification information is information including a state of damage caused by the accident of the first vehicle and a percentage of fault of the user in the accident. The control section of the information processing device performs predetermined processing on the basis of the identification information. The predetermined processing is processing for determining whether to refuse a first application from the user, which is an application for leasing a second vehicle in place of the first vehicle during a lease period of the first vehicle, and whether to refuse the second application from the user, which is an application for leasing a new vehicle after the lease period expires.SELECTED DRAWING: Figure 4

Description

Technical Field

[0001] The present disclosure relates to an information processing apparatus, an information processing method, and a system.

Background Art

[0002] Patent Document 1 discloses a computer that sets a non-cancellable period during a lease period in a lease contract. In the computer disclosed in Patent Document 1, the acquisition price of the leased property, the lease period, the monthly lease fee, and the monthly maintenance and management fee related to the lease contract are input. The computer compares a period obtained by multiplying a predetermined coefficient by the lease period and rounding down the decimal part with a period obtained by multiplying a period obtained by dividing the acquisition price by the amount obtained by subtracting the monthly maintenance and management fee from the monthly lease fee by a predetermined coefficient and rounding down the decimal part, and sets the shorter of the two as the non-cancellable period.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] An object of the present disclosure is to ensure the convenience of a user while suppressing an accident caused by a leased vehicle.

Means for Solving the Problems

[0005] An information processing apparatus according to a first aspect of the present disclosure is configured to: when an accident occurs in a first vehicle leased by a user, acquire specific information including the state of damage to the first vehicle caused by the accident and the percentage of the user's fault in the accident; Based on the specific information, determine whether to reject the first application from the user, which is an application for leasing a second vehicle to replace the first vehicle during the lease period of the first vehicle, and whether to reject the second application from the user, which is an application for leasing a new vehicle after the lease period expires, and perform a predetermined process for this determination. It includes a control unit that executes the above.

[0006] The information processing method according to the second aspect of the present disclosure is An information processing method executed by a computer, When an accident occurs to the first vehicle leased by the user, obtain specific information including the damage status of the first vehicle due to the accident and the user's fault ratio in the accident. Based on the specific information, determine whether to reject the first application from the user, which is an application for leasing a second vehicle to replace the first vehicle during the lease period of the first vehicle, and whether to reject the second application from the user, which is an application for leasing a new vehicle after the lease period expires, and perform a predetermined process for this determination. It includes the above.

[0007] The system according to the third aspect of the present disclosure is A system including a first information processing device and a second information processing device, The first information processing device When an accident occurs to the first vehicle leased by the user, transmit specific information including the damage status of the first vehicle due to the accident and the user's fault ratio in the accident to the second information processing device. The second information processing device Receives the specific information from the first information processing device, ​Based on the specific information, perform a predetermined process to determine whether to reject the first application from the user, which is an application for leasing a second vehicle to replace the first vehicle during the lease period of the first vehicle, and whether to reject the second application from the user, which is an application for leasing a new vehicle after the lease period expires.

Advantages of the Invention

[0008] According to the present disclosure, it is possible to suppress accidents caused by leased vehicles while ensuring the convenience of users.

Brief Description of the Drawings

[0009]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Embodiments for Carrying Out the Invention

[0010] Assume a case where a user causes an accident with a leased vehicle. In this case, the user may want to lease a new vehicle different from the vehicle that caused the accident. On the other hand, depending on the circumstances of the accident, it may be inappropriate to lease a vehicle to the user.

[0011] For example, assume a user who has been in an accident that totaled the leased vehicle and caused a large percentage of fault. In this case, since the user was in a leased vehicle and caused a serious accident with a large degree of fault, the user is inappropriate as a person who leases a vehicle. Therefore, it is preferable to be in a state where no lease contract can be made with the user in the future.

[0012] On the other hand, it is assumed that a user who has been in an accident with minor damage to the leased vehicle attempts to lease a new vehicle to replace the accident vehicle during the lease contract of the accident vehicle. In this case, since the damage to the vehicle is minor, the user can use the accident vehicle. Therefore, it is not preferable for the user to lease a new vehicle to replace the accident vehicle. However, since the accident caused by the user is not a serious accident with a large degree of fault, there is no need to be in a state where no lease continuation can be made with the user in the future. Thus, it is preferable to take different actions regarding future lease contracts between a user who has been in an accident that totaled the vehicle and caused a large percentage of fault and a user who has been in an accident with minor damage to the vehicle.

[0013] The control unit of the information processing apparatus according to the first aspect of the present disclosure acquires specific information. Here, the specific information is information including the state of damage (hereinafter, may be simply referred to as the "state of damage") to the first vehicle leased by the user due to an accident and the percentage of fault of the user in the accident caused by the first vehicle (hereinafter, may be simply referred to as the "percentage of fault"). Thereby, the control unit of the information processing apparatus according to the first aspect of the present disclosure can grasp the state of damage and the percentage of fault based on the specific information. Therefore, the control unit of the information processing apparatus is based on the specific information A predetermined process is performed to determine whether to reject the first application and whether to reject the second application. Here, the first application is an application from a user to lease a second vehicle in place of a first vehicle during the lease period of the first vehicle. The second application is an application from the user to lease a new vehicle after the expiration of the lease period of the first vehicle.

[0014] As described above, based on the damage state and the loss ratio, the information processing device determines whether to reject the first application and the second application. Thereby, it is possible to limit lease applications (the first application or the second application) from users who have caused accidents. Therefore, it is possible to limit the lease of vehicles to users who have caused accidents. As a result, accidents caused by leased vehicles can be suppressed. Also, since it is determined whether to reject the first application and the second application based on the damage state and the loss ratio, lease applications from all users who have caused accidents are not uniformly restricted. As a result, the convenience of users when receiving vehicle leases can be ensured. In this way, it is possible to suppress accidents caused by leased vehicles while ensuring the convenience of users.

[0015] Hereinafter, specific embodiments of the present disclosure will be described with reference to the drawings. The dimensions, materials, shapes, and relative arrangements of the components described in this embodiment are not intended to limit the technical scope of the present disclosure only to those, unless otherwise specified.

[0016] <Embodiment> (Overview of the System) The management system 1 in this embodiment will be described with reference to FIG. 1. FIG. 1 is a diagram showing the schematic configuration of the management system 1. The management system 1 includes an insurance server 100, a management server 200, a staff terminal 300, and a user terminal 400. In the management system 1, the insurance server 100, the management server 200, the staff terminal 300, and the user terminal 400 are interconnected by a network N1. As the network N1, for example, a WAN (Wide Area Network), which is a worldwide public communication network such as the Internet, or a telephone communication network such as a mobile phone network may be adopted.

[0017] (Insurance Server) The insurance server 100 is a server that manages the automobile insurance of the vehicle 11. The management server 200 is a server used by, for example, an insurance company (hereinafter sometimes simply referred to as the "insurance company") that handles the automobile insurance of the vehicle 11. Assume that the user 10 has an accident with the leased vehicle 11. In this case, the user 10 contacts the insurance company and explains the damage status of the vehicle 11 and the accident situation. Then, the staff of the insurance company investigates the accident caused by the user 10 and inputs the damage status (hereinafter sometimes simply referred to as the "damage status") of the vehicle 11 due to the accident into the insurance server 100. At this time, the staff of the insurance company also inputs the loss ratio (hereinafter sometimes simply referred to as the "loss ratio") of the user 10 in the accident into the insurance server 100. In addition, the staff of the insurance company inputs the accident situation of the vehicle 11 into the insurance server 100. For example, the staff of the insurance company inputs information about how the user 10 damaged the vehicle 11 under what circumstances as the accident situation into the insurance server 100.

[0018] The insurance server generates specific information based on the damage status of vehicle 11, the percentage of fault of user 10, and the accident situation of vehicle 11, which are input by the person in charge of the insurance company. Here, the specific information is information including the damage status of vehicle 11 and the percentage of fault of user 10. Also, the specific information is information including the accident situation of vehicle 11. The insurance server 100 transmits the specific information to the management server 200 via the network N1.

[0019] (Management server) The management server 200 is a server that manages the lease contract of vehicle 11. The management server 200 is, for example, a server used by the lease company of vehicle 11. The management server 200 receives the specific information from the insurance server 100 via the network N1. Thereby, the management server 200 can grasp the damage status of vehicle 11 and the percentage of fault of user 10 regarding the accident caused by user 10 with vehicle 11. Here, the damage status of vehicle 11 included in the specific information is whether it is a total loss or not. The state where vehicle 11 is a total loss includes two types of states: the state where vehicle 11 has suffered a physical total loss and the state where vehicle 11 has suffered an economic total loss.

[0020] Also, the percentage of fault of user 10 is the percentage representing the percentage of fault of user 10 in the accident caused by vehicle 11. For example, when there is only fault on the part of user 10, the percentage of fault of user 10 is represented by 100%. Also, for example, when the percentage of fault between user 10 and others is 50:50, the percentage of fault of user 10 is represented by 50%.

[0021] Assume a case where the damage status of vehicle 11 is a total loss and the percentage of fault of user 10 is equal to or more than a predetermined ratio (100% in this embodiment). In this case, since user 10 has caused a serious accident despite vehicle 11 being a leased vehicle, user 10 is inappropriate as a person who receives the lease of the vehicle. Therefore, it is preferable to make it impossible to conclude any future lease contracts with user 10.

[0022] Also, assume that the damaged state of vehicle 11 is not a total loss. In this case, since the damaged state of vehicle 11 is not a total loss, it is possible to use vehicle 11 that has been in an accident. Therefore, it is inappropriate for user 10 to lease a new vehicle to replace vehicle 11. However, since the accident caused by user 10 is not an accident that causes vehicle 11 to be a total loss and the fault ratio is not 100%, there is no need to prevent any future lease contracts with user 10. Thus, it is preferable for user 10 to have different responses regarding future lease contracts depending on whether the damaged state of vehicle 11 is a total loss and user 10's fault ratio is 100% in the accident, or whether the damaged state of vehicle 11 is not a total loss.

[0023] Therefore, based on the specific information, management server 200 determines whether to reject the first application and whether to reject the second application. Here, the first application is an application to lease a new leased vehicle to replace vehicle 11 during the lease period of vehicle 11. That is, the first application is an application to replace vehicle 11 during the lease period of vehicle 11. Also, the second application is an application to lease a new vehicle after the expiration of the lease period of vehicle 11. That is, the second application is an application to conclude a new lease contract after the expiration of the lease contract of vehicle 11. In this way, different restrictions (rejection of the application) are imposed on the application to lease a vehicle depending on whether user 10 has been in an accident that caused vehicle 11 to be a total loss and the accident has a high fault ratio, or whether user 10 has been in an accident with minor damage to vehicle 11. The detailed method by which management server 200 determines whether to reject the first application and whether to reject the second application based on the specific information will be described later.

[0024] In addition, when management server 200 receives an application to lease a vehicle (the first application or the second application) from user 10, it accepts or rejects the application. The detailed method by which management server 200 accepts or rejects an application to lease a vehicle from user 10 will be described later.

[0025] The management server 200 includes a computer having a processor 210, a main memory unit 220, an auxiliary storage unit 230, and a communication interface (communication I / F) 240. The processor 210 is, for example, a CPU (Central Processing Unit) or a DSP (Digital Signal Processor). The main memory unit 220 is, for example, a RAM (Random Access Memory). The auxiliary storage unit 230 is, for example, a ROM (Read Only Memory). Also, the auxiliary storage unit 230 is, for example, an HDD (Hard Disk Drive), or a disk recording medium such as a CD-ROM, a DVD disk, or a Blu-ray disk. Also, the auxiliary storage unit 230 may be a removable medium (portable storage medium). Here, examples of the removable medium include a USB memory or an SD card. The communication I / F 240 is, for example, a LAN (Local Area Network) interface board or a wireless communication circuit for wireless communication.

[0026] In the management server 200, the auxiliary storage unit 230 stores an operating system (OS), various programs, and various information tables, etc. Also, in the management server 200, the processor 210 loads and executes the programs stored in the auxiliary storage unit 230 in the main memory unit 220, whereby various functions as described later can be realized. However, some or all of the functions in the management server 200 may be realized by a hardware circuit such as an ASIC or an FPGA. Note that the management server 200 does not necessarily have to be realized by a single physical configuration and may be configured by a plurality of computers that cooperate with each other. Note that the insurance server 100 is also configured to include a computer in the same manner as the management server 200.

[0027] (Responsible person's terminal) The person-in-charge terminal 300 is a terminal used by the person-in-charge 30. The person-in-charge 30 is a person-in-charge of the leasing company of the vehicle 11. The person-in-charge terminal 300 receives request information from the management server 200 via the network N1. The request information is information for requesting the person-in-charge 30 of the vehicle 11 to determine whether to reject the first application and the second application from the user 10, respectively. In the present embodiment, when it is preferable that it is determined individually whether to reject the first application and the second application based on the situation of an accident caused by the vehicle 11 or the like, the request information is transmitted from the management server 200 to the person-in-charge terminal 300. The person-in-charge 30 determines whether to reject the first application and the second application from the user 10 based on the request information, and reflects the result to the management server 200. Details of the method by which the management server 200 transmits the request information to the person-in-charge terminal 300 will be described later. Also, details of the method by which the management server 200 reflects the determination result of whether the person-in-charge 30 rejects the first application and the second application from the user 10, respectively, will be described later. Note that the person-in-charge terminal 300 is also configured to include a computer, similar to the management server 200.

[0028] (User terminal) The user terminal 400 is a terminal used by the user 10. The user 10 connects to the management server 200 using the user terminal 400 and makes a first application or a second application. At this time, the user terminal 400 transmits information indicating that the user 10 is making a first application or a second application (hereinafter, may be referred to as "application information") to the management server 200 via the network N1. Thereby, the management server 200 can grasp that the first application or the second application from the user 10 has been made. When receiving the application information, the management server 200 accepts or rejects the first application or the second application from the user 10.

[0029] (Functional configuration) Next, the functional configurations of the insurance server 100 and the management server 200 that constitute the management system 1 will be described based on FIGS. 2 and 3. FIG. 2 shows the insurance server 100 and the management It is a block diagram schematically showing an example of the functional configuration of server 200.

[0030] (Insurance Server) Insurance server 100 is configured to include a control unit 101 and a communication unit 102. The control unit 101 has a function of performing arithmetic processing for controlling insurance server 100. The control unit 101 can be realized by a processor in insurance server 100. The communication unit 102 has a function of connecting insurance server 100 to network N1. The communication unit 102 can be realized by a communication I / F in insurance server 100.

[0031] Based on the information about the damage status of vehicle 11, the loss ratio of user 10, and the accident situation caused by vehicle 11 input by the person in charge of the insurance company, the control unit 101 generates specific information. The control unit 101 transmits the generated specific information to management server 200 via communication unit 102.

[0032] (Management Server) Management server 200 is configured to include a control unit 201, a communication unit 202, and a user information database 203 (user information DB203). The control unit 201 has a function of performing arithmetic processing for controlling management server 200. The control unit 201 can be realized by a processor 210 in management server 200. The communication unit 202 has a function of connecting management server 200 to network N1. The communication unit 202 can be realized by a communication I / F 240 in management server 200.

[0033] The user information DB203 has a function of holding user information. The user information is information about whether to reject the first application and the second application by the user respectively. The user information DB203 can be realized by an auxiliary storage unit 230 in management server 200. Figure 3 is an example of the table configuration of user information.

[0034] As shown in FIG. 3, the user information has a user ID field, a vehicle ID field, a first application field, and a second application field. In the user ID field, an identifier (user ID) for identifying the user who has leased the vehicle is input. In the example shown in FIG. 3, in the user ID field, the user IDs of a plurality of users who have leased the vehicles leased by the leasing company are input. Note that the user ID of user 10 is also input in the user ID field. In the vehicle ID field, an identifier (vehicle ID) for identifying the vehicle leased by the user corresponding to the user ID input in the user ID field is input. In the vehicle ID field corresponding to the user ID field in which the user ID of user 10 is input, the vehicle ID of vehicle 11 is input.

[0035] In the first application field, information on whether the first application from the user corresponding to the user ID input in the user ID field is rejected is input. In the example shown in FIG. 3, when the first application from the user is not rejected, "Yes" is input. Also, in the example shown in FIG. 3, when the first application from the user is rejected, "No" is input.

[0036] In the second application field, information on whether the second application from the user corresponding to the user ID input in the user ID field is rejected is input. In the example shown in FIG. 3, when the second application from the user is not rejected, "Yes" is input. Also, in the example shown in FIG. 3, when the second application from the user is rejected, "No" is input.

[0037] Here, assume that user 10 has not caused an accident with vehicle 11. In this case, "Yes" is entered in both the first application field and the second application field in the user information stored in the user information DB 203. That is, when user 10 has not caused an accident with vehicle 11, the first application and the second application from user 10 are in a state where they are not rejected.

[0038] The control unit 201 receives specific information from the insurance server 100 via the communication unit 202. The control unit 201 executes an update process based on the specific information. The update process is a process for updating the user information stored in the user information DB 203.

[0039] The control unit 201 acquires the damage state of vehicle 11 and the percentage of fault of user 10 based on the specific information. When the damage state of vehicle 11 is a total loss and the percentage of fault of user 10 is 100%, the control unit 201 determines to reject both the first application and the second application from user 10. Also, when the damage state of vehicle 11 is not a total loss, the control unit 201 determines to reject the first application and not reject the second application. The control unit 201 updates the user information stored in the user information DB 203 based on the determination result of whether to reject the first application and the determination result of whether to reject the second application.

[0040] Specifically, when making a determination on whether to reject the first application from user 10, if the control unit 201 determines not to reject the first application, it enters "Yes" in the first application field corresponding to the user ID of user 10. Also, when making a determination on whether to reject the first application from user 10, if the control unit 201 determines to reject the first application, it enters "No" in the first application field corresponding to the user ID of user 10.

[0041] Further, when making a decision on whether to reject the second application from the user 10, if the control unit 201 decides not to reject the second application, it inputs "Approved" into the second application field corresponding to the user ID of the user 10. Also, when making a decision on whether to reject the second application from the user 10, if the control unit 201 decides to reject the second application, it inputs "Rejected" into the second application field corresponding to the user ID of the user 10.

[0042] Also, it is assumed that the damage state of the vehicle 11 is a total loss, but the loss ratio of the user 10 is not 100%. In this case, it is preferable that it is determined individually whether to reject the first application and the second application based on the circumstances of the accident by the vehicle 11 and the like. Therefore, the control unit 201 provides request information to the person in charge 30 of the vehicle 11 based on the specific information. The request information is information including the circumstances of the accident by the vehicle 11 and the loss ratio of the user 10 and the like.

[0043] Specifically, the control unit 201 transmits the request information to the person-in-charge terminal 300 via the communication unit 202. As a result, the person in charge 30 determines individually whether to reject the first application and the second application based on the circumstances of the accident by the vehicle 11 and the like. The person in charge 30 directly inputs "Approved" or "Rejected" into the first application field and the second application field in the user information held in the management server 200. When the damage state of the vehicle 11 is a total loss but the loss ratio of the user 10 is not 100%, the user information held in the user information DB 203 is updated by the person in charge 30 in this way.

[0044] Assume a case where the user 10 makes a first application or a second application to the management server 200. At this time, the control unit 201 receives the application information from the user terminal 400 via the communication unit 202. As a result, the control unit 201 can grasp which application the user 10 is making, either the first application or the second application.

[0045] By acquiring the user information stored in the user information DB 203, the control unit 201 can determine whether to reject the first application and the second application from the user 10 respectively. Then, according to whether "Yes" or "No" is entered in the first application field corresponding to the user ID of the user 10 in the user information, the control unit 201 determines whether to accept the first application from the user 10. That is, in the user information, a flag for determining whether to accept the first application from the user 10 is stored. Also, according to whether "Yes" or "No" is entered in the second application field corresponding to the user ID of the user 10 in the user information, the control unit 201 determines whether to accept the second application from the user 10. That is, in the user information, a flag for determining whether to accept the second application from the user 10 is stored.

[0046] (Update Process) Next, in the management system 1, the update process executed by the control unit 201 in the management server 200 will be described with reference to FIG. 4. FIG. 4 is a flowchart of the update process. The update process starts when the management server 200 receives specific information from the insurance server 100.

[0047] In the update process, first in S101, specific information is acquired. Thereby, the control unit 201 can grasp the damage state of the vehicle 11 and the loss ratio of the user 10. Next, in S102, it is determined whether the loss ratio of the user 10 is 0%. If an affirmative determination is made in S102, since the loss ratio of the user 10 is 0%, it is inappropriate to restrict the application for the lease of the vehicle. Therefore, the update process ends. That is, the update process ends with "Yes" entered in both the first application field and the second application field in the user information stored in the user information DB 203. As a result, the first application and the second application from the user 10 remain in a state where they are not rejected.

[0048] If a negative determination is made in S102, it is determined in S103 whether the damage state of vehicle 11 is a total loss. If a negative determination is made in S103, since the damage state of vehicle 11 is not a total loss, it is possible to repair and continue using vehicle 11. Therefore, it is inappropriate for user 10 to lease a new vehicle to replace vehicle 11. On the other hand, there is no problem with receiving a new lease after the lease period of vehicle 11 expires.

[0049] Therefore, in such a case, in S105, the user information held in user information DB 203 is updated. In updating the user information in S105, control unit 201 inputs "No" to the first application field corresponding to the user ID of user 10. Also, in updating the user information in S105, control unit 201 inputs "Yes" to the second application field corresponding to the user ID of user 10. As a result, the first application from user 10 is rejected, and the second application from user 10 is not rejected. That is, user 10 cannot replace vehicle 11 during the lease period of vehicle 11, but can conclude a lease contract after the expiration of the lease contract of vehicle 11. Then, the update process ends.

[0050] If an affirmative determination is made in S103, it is determined in S104 whether the loss ratio of user 10 is 100%. If an affirmative determination is made in S104, since user 10 caused an accident with a loss ratio of 100% that totaled vehicle 11 despite vehicle 11 being a leased vehicle, user 10 is inappropriate as a person who leases a vehicle. Therefore, it is preferable to make it impossible to conclude any lease contracts with user 10 in the future. desirable.

[0051] Therefore, in such a case, in S106, the user information stored in the user information DB203 is updated. In updating the user information in S106, the control unit 201 inputs "No" into the first application field corresponding to the user ID of user 10. Also, in updating the user information in S106, the control unit 201 inputs "No" into the second application field corresponding to the user ID of user 10. As a result, both the first application and the second application from user 10 are in a state of being rejected. That is, user 10 cannot exchange vehicle 11 during the lease period of vehicle 11, nor can user 10 conclude a lease contract for a new vehicle after the expiration of the lease contract for vehicle 11. Then, the update process ends.

[0052] When a negative determination is made in S104, it is preferable to separately determine whether to reject the first application and the second application from user 10 based on the situation of an accident caused by vehicle 11 or the like. Therefore, in such a case, request information is generated in S107 and transmitted to the operator terminal 300. Then, the operator 30 determines whether to reject the first application and the second application from user 10 respectively. After that, the user information stored in the user information DB203 is updated by the operator 30. Then, the update process ends.

[0053] (Discrimination Process) Next, in the management system 1, the discrimination process executed by the control unit 201 in the management server 200 will be described with reference to FIG. 5. The discrimination process is a process for discriminating whether to accept or reject an application (the first application or the second application) from user 10. FIG. 5 is a flowchart of the discrimination process. The execution of the discrimination process starts when the management server 200 receives application information from the user terminal 400.

[0054] In the discrimination process, first, in S201, the application information received from the user terminal 400 is acquired. Next, in S202, the user information held in the user information DB 203 is acquired. Next, in S203, based on the application information, it is discriminated whether user 10 has made a first application. If an affirmative determination is made in S203, then in S204, based on the user information, the eligibility of the first application for user 10 is discriminated. If it is determined in S204 that the first application is eligible, then in S205, the first application is accepted. And the discrimination process ends. Also, if it is determined in S204 that the first application is not eligible, then in S207, the first application is rejected. And the discrimination process ends.

[0055] Also, if a negative determination is made in S203, the control unit 201 can recognize that user 10 has made a second application. Therefore, in S206, based on the user information, the eligibility of the second application for user 10 is discriminated. If it is determined in S206 that the second application is eligible, then in S205, the second application is accepted. And the discrimination process ends. Also, if it is determined in S206 that the second application is not eligible, then in S207, the second application is rejected. And the discrimination process ends.

[0056] As described above, based on the damage state of the vehicle 11 and the fault ratio of the user 10, the management system 1 determines whether to reject the first application and the second application from the user 10, respectively. Thereby, it is possible to restrict the lease application (the first application or the second application) from the user 10 who caused an accident with the vehicle 11. Therefore, it is possible to restrict the lease of the vehicle to the user 10 who caused the accident. As a result, accidents caused by leased vehicles can be suppressed. Also, since it is determined whether to reject the first application and the second application respectively based on the damage state of the vehicle 11 and the percentage of fault of the user 10, the application for leasing the vehicle is not uniformly restricted for all users who have caused accidents. As a result, the convenience when the user 10 leases the vehicle can be ensured. In this way, it is possible to suppress accidents caused by leased vehicles while ensuring the convenience of the user 10.

[0057] (Modification Example 1) In the present embodiment, the management server 200 determined whether to reject the first application and the second application respectively based on whether the percentage of fault of the user 10 is 100%. However, the management server 200 does not necessarily have to determine whether to reject the first application and the second application from the user 10 respectively based on whether the percentage of fault of the user 10 is 100%. For example, the management server 200 may determine whether to reject the first application and the second application from the user 10 respectively based on whether the percentage of fault of the user 10 is equal to or higher than a predetermined value. Specifically, in the process of S104 in the update process shown in FIG. 4, instead of determining whether the percentage of fault of the user 10 is 100%, the management server 200 determines whether the percentage of fault of the user 10 is equal to or higher than a predetermined value. In this case, when it is determined that the percentage of fault of the user 10 is equal to or higher than the predetermined value, the process of S106 is executed. Also, when it is determined that the percentage of fault of the user 10 is not equal to or higher than the predetermined value, the process of S107 is executed. Even in this way, it is possible to suppress accidents caused by leased vehicles while ensuring the convenience of the user 10.

[0058] (Modification Example 2) In this embodiment, the management server 200 determined whether to reject the second application based on whether the damage state of the vehicle 11 was a total loss. However, the management server 200 does not necessarily have to determine whether to reject the second application from the user 10 based on whether the damage state of the vehicle 11 is a total loss. For example, the management server 200 may determine whether to reject the second application from the user 10 based on whether the amount of damage caused by the damage to the vehicle 11 is equal to or greater than a predetermined value. Here, the predetermined value is, for example, an amount uniformly determined. Also, the predetermined value may be, for example, an amount obtained by multiplying the price of a new vehicle of the vehicle 11 by a predetermined rate. The management server 200 determines whether the amount of damage is equal to or greater than the predetermined value based on the information about the amount of damage caused by the damage to the vehicle 11 included in the specific information.

[0059] Specifically, in the process of S103 in the update process shown in FIG. 4, instead of determining whether the damage state of the vehicle 11 is a total loss, the management server 200 determines whether the amount of damage to the vehicle 11 is equal to or greater than a predetermined value. In this case, if it is determined that the amount of damage to the vehicle 11 is equal to or greater than the predetermined value, the process of S104 is executed. Also, if it is determined that the amount of damage to the vehicle 11 is not equal to or greater than the predetermined value, the process of S105 is executed. Even in this way, it is possible to suppress accidents caused by leased vehicles while ensuring the convenience of the user 10.

[0060] (Modification Example 3) In this embodiment, when a negative determination was made in the process of S104 in the update process, the management server 200 transmitted the request information to the operator terminal 300 in S107. However, the management server 200 does not necessarily have to transmit the request information to the operator terminal 300 in S107. In the process of S107, the management server 200 may determine whether to reject the first application and the second application respectively based on the correspondence information held in the auxiliary storage unit 330. Here, the correspondence information is information indicating the correspondence between the percentage of fault and whether to reject the first application and the second application. FIG. 6 is a diagram showing an example of the table configuration of the correspondence information.

[0061] As shown in FIG. 6, the correspondence information has a loss ratio field, a first application field, and a second application field. Note that each piece of information input in the loss ratio field, the first application field, and the second application field is pre-input information.

[0062] A range of loss ratios is input into the loss ratio field. For example, a range of loss ratios such as 10% or more and less than 20% is input into the loss ratio field. In the first application field, when the loss ratio of user 10 is included in the range of loss ratios input in the loss ratio field, information for determining whether the management server 200 rejects the first application from user 10 is input. In the example shown in FIG. 6, when the management server 200 determines not to reject the first application from user 10, "Yes" is input. Also, in the example shown in FIG. 6, when the management server 200 determines to reject the first application from the user, "No" is input. In the second application field, when the loss ratio of user 10 is included in the range of loss ratios input in the loss ratio field, information for determining whether the management server 200 rejects the second application from user 10 is input. In the example shown in FIG. 6, when the management server 200 determines not to reject the second application from user 10, "Yes" is input. Also, in the example shown in FIG. 6, when the management server 200 determines to reject the second application from the user, "No" is input.

[0063] The management server 200 identifies which range of loss ratios input in the loss ratio field the loss ratio of user 10 included in the specific information falls within. The management server 200 determines whether to reject the first application and the second application respectively based on the correspondence between the loss ratio field corresponding to the identified range of loss ratios and the first application field and the second application field. In this way, it is possible to suppress accidents caused by the leased vehicle while ensuring the convenience of user 10.

[0064] Note that in this modified example, the correspondence information is information indicating the correspondence between the loss ratio and whether to reject the first application and the second application. However, the correspondence information does not necessarily have to be information indicating the correspondence between the loss ratio and whether to reject the first application and the second application. The correspondence information may be information indicating the correspondence between the situation of the accident caused by the user 10 and whether to reject the first application and the second application. In this case, the management server 200 identifies the situation of the accident based on the information about the situation of the accident caused by the vehicle 11 included in the specific information. Then, the management server 200 determines whether to reject the first application and the second application based on the correspondence in the correspondence information between the situation of the accident caused by the user 10 by the vehicle 11 and whether to reject the first application and the second application. Even in this way, it is possible to suppress accidents caused by the leased vehicle while ensuring the convenience of the user 10.

[0065] <Other Embodiments> The above-described embodiments are merely examples, and the present disclosure can be appropriately modified and implemented without departing from the gist thereof. Also, the processes and means described in the present disclosure can be freely combined and implemented as long as no technical contradiction occurs.

[0066] Also, the processes described as being performed by one device may be shared and executed by a plurality of devices. Alternatively, the processes described as being performed by different devices may be executed by one device. In a computer system, how each function is realized by a hardware configuration (server configuration) can be flexibly changed.

[0067] The present disclosure can also be realized by supplying a computer program that implements the functions described in the above embodiments to a computer and causing one or more processors included in the computer to read and execute the program. Such a computer program may be provided to the computer by a non-transitory computer-readable storage medium connectable to the system bus of the computer, or may be provided to the computer via a network. The non-transitory computer-readable storage medium includes, for example, any type of disk such as a magnetic disk (e.g., a floppy (registered trademark) disk or a hard disk drive (HDD)), an optical disk (e.g., a CD-ROM, a DVD disk, or a Blu-ray disk), a read-only memory (ROM), a random access memory (RAM), an EPROM, an EEPROM, a magnetic card, a flash memory, or an optical card, or any other type of medium suitable for storing electronic instructions.

Explanation of Signs

[0068] 1 ··· Management system 10 ··· User 11 ··· Vehicle 100 ··· Insurance server 101 ··· Control unit 102 ··· Communication unit 200 ··· Management server 201 ··· Control unit 202 ··· Communication unit 203 ··· User information DB 30 ··· Person in charge 300 ··· Terminal of person in charge 400 ··· User terminal

Claims

1. When an accident occurs in the first vehicle leased by a user, obtaining specific information including the state of damage to the first vehicle due to the accident and the percentage of the user's fault in the accident; Based on the specific information, performing a predetermined process for determining whether to reject a first application from the user, which is an application for leasing a second vehicle to replace the first vehicle during the lease period of the first vehicle, and whether to reject a second application from the user, which is an application for leasing a new vehicle after the lease period expires; Comprising a control unit that executes; The control unit is; In the predetermined process, When the state of damage is a total loss and the percentage of fault is equal to or more than a predetermined value, determining to reject both the first application and the second application; When the state of damage is not a total loss, determining to reject the first application and not to reject the second application; An information processing device.

2. An information processing method executed by a computer, comprising: When an accident occurs in the first vehicle leased by a user, obtaining specific information including the state of damage to the first vehicle due to the accident and the percentage of the user's fault in the accident; Based on the specific information, performing a predetermined process for determining whether to reject a first application from the user, which is an application for leasing a second vehicle to replace the first vehicle during the lease period of the first vehicle, and whether to reject a second application from the user, which is an application for leasing a new vehicle after the lease period expires; Including, The computer is; In the predetermined process, When the state of damage is a total loss and the percentage of fault is equal to or more than a predetermined value, determining to reject both the first application and the second application; When the state of damage is not a total loss, determining to reject the first application and Determining not to reject the second application; An information processing method.

3. A system including a first information processing device and a second information processing device, wherein: The first information processing device: When an accident occurs in the first vehicle leased by a user, transmits specific information including the state of damage to the first vehicle due to the accident and the percentage of the user's fault in the accident to the second information processing device; The second information processing device: Receives the specific information from the first information processing device; Perform a predetermined process for determining whether to reject a first application from the user, which is an application for leasing a second vehicle to replace the first vehicle during the lease period of the first vehicle, based on the specific information, and whether to reject a second application from the user, which is an application for leasing a new vehicle after the lease period has expired. The second information processing device In the predetermined process When the damage state is a total loss and the loss ratio is equal to or greater than a predetermined value, determine to reject both the first application and the second application. When the damage state is not a total loss, determine to reject the first application and not reject the second application. System.

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