Server device, system, server device control method and program

Abstract

Provided is a server device (100) that presents insurance premiums suitable for users wishing an insurance contract. The server device (100) comprises a database (101), a processing unit (102) and an advice unit (103). The database (101) stores at least the biological information of applicants to vehicle insurance. The processing unit (102) receives, from a vehicle, a registration request that includes the biological information of a driver who drives the vehicle and the drive data generated owing to the use of the vehicle by the user. The processing unit (102) identifies the applicant who drives the vehicle by a verification process that uses the biological information of the driver and the biological information stored in the database (101). The processing unit (102) generates, on the basis of the drive data, driving characteristic information that characterizes the driving of the driver and stores the driving characteristic information in the database (101) in association with the biological information of the applicant whose driving characteristic information is identified. The advice unit (103) calculates the insurance premium of the applicant on the basis of the driving characteristic information and advises the applicant of the calculated insurance premium.

Description

[Technical Field]

[0001] The present invention relates to a server device, a system, a method for controlling a server device, and a storage medium. [Background technology]

[0002] Various technological developments are underway to improve the convenience and safety of driving a car.

[0003] For example, Patent Document 1 discloses that a driver identification system capable of more reliably identifying a vehicle driver is provided. Patent Document 1 discloses that a driver is identified by facial recognition processing and biometric authentication processing, etc., based on an image of the driver's face captured by an in-vehicle camera mounted on the vehicle and biometric information of the driver acquired by a biometric sensor. The vehicle's on-board communication device acquires information for biometric authentication using the in-vehicle camera and biometric sensor periodically and when a predetermined condition is satisfied. The on-board communication device acquires the driver's biometric information using the in-vehicle camera and biometric sensor when the seat sensor detects a driver sitting in the driver's seat of the vehicle, when the vehicle doors are locked, when the vehicle doors are closed, when the driver's seat belt is fastened, when the vehicle starts moving, when the vehicle is stopped, etc.

[0004] Patent Document 2 describes an information processing device, information processing method, and program that can raise awareness of safe driving and reduce traffic accidents through an incentive of discounts on automobile insurance premiums for insured persons. In Patent Document 2, location information, acceleration, and the like are detected by a mobile device carried by a driver of a vehicle and transmitted to a server operated by an insurance company. The server then extracts, from among the driving behaviors of the driver of the vehicle, driving behaviors that are highly correlated with accidents based on the location information and acceleration. Furthermore, the server determines a driving risk tendency that serves as an evaluation of each driving behavior, and generates a display image based on the determined driving risk tendency, which is then transmitted to and displayed on the mobile device. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Laid-Open No. 2015-071319 [Patent Document 2] International Publication No. 2019 / 069732 Summary of the Invention [Problem to be solved by the invention]

[0006] Driving a car requires insurance. Automobile insurance premiums are often determined based on the coverage (for example, the amount of bodily injury liability insurance and property damage liability insurance). However, the driving risks typically differ for each driver, and determining premiums based on the coverage can result in unfairness among policyholders. Specifically, it is desirable to set premiums higher for policyholders who drive frequently and lower for policyholders who drive infrequently, but setting premiums in this way is difficult.

[0007] A primary object of the present invention is to provide a server device, a system, a method for controlling a server device, and a storage medium that contribute to presenting insurance premiums appropriate for users who wish to enter into an insurance contract. [Means for solving the problem]

[0008] According to a first aspect of the present invention, there is provided a server device comprising: a database that stores at least biometric information of an applicant for vehicle insurance; a processing unit that receives from the vehicle a registration request including the biometric information of the driver who drives the vehicle and driving data generated when the driver uses the vehicle, identifies the applicant who drives the vehicle by a matching process using the driver's biometric information and the biometric information stored in the database, generates driving characteristic information that characterizes the driving of the driver based on the driving data, and stores the driving characteristic information in the database in association with the biometric information of the identified applicant; and a guidance unit that calculates the insurance premium of the applicant based on the driving characteristic information and notifies the applicant of the calculated insurance premium.

[0009] According to a second aspect of the present invention, there is provided a system including a vehicle and a server device connected to the vehicle, the server device comprising: a database that stores at least biometric information of an applicant for vehicle insurance; a processing unit that receives from the vehicle a registration request including biometric information of a driver who drives the vehicle and driving data generated when the driver uses the vehicle, identifies the applicant who drives the vehicle by a matching process using the driver's biometric information and the biometric information stored in the database, generates driving characteristic information that characterizes the driver's driving based on the driving data, and stores the driving characteristic information in the database in association with the biometric information of the identified applicant; and a guidance unit that calculates an insurance premium for the applicant based on the driving characteristic information and notifies the applicant of the calculated insurance premium.

[0010] According to a third aspect of the present invention, there is provided a control method for a server device having a database that stores at least biometric information of an applicant for vehicle insurance, which receives from the vehicle a registration request including biometric information of the driver who drives the vehicle and driving data generated when the driver uses the vehicle, identifies the applicant who drives the vehicle by a matching process using the driver's biometric information and the biometric information stored in the database, generates driving characteristic information that characterizes the driving of the driver based on the driving data, stores the driving characteristic information in the database in association with the biometric information of the identified applicant, calculates an insurance premium for the applicant based on the driving characteristic information, and notifies the applicant of the calculated insurance premium.

[0011] According to a fourth aspect of the present invention, there is provided a computer-readable storage medium storing a program that causes a computer mounted on a server device having a database that stores at least biometric information of applicants for vehicle insurance to execute the following processes: receiving from the vehicle a registration request including the biometric information of the driver who drives the vehicle and driving data generated when the driver uses the vehicle; identifying the applicant who drives the vehicle by a matching process using the driver's biometric information and the biometric information stored in the database; generating driving characteristic information that characterizes the driving of the driver based on the driving data; correlating the driving characteristic information with the biometric information of the identified applicant and storing it in the database; calculating the applicant's insurance premium based on the driving characteristic information; and informing the applicant of the calculated insurance premium. [Effects of the Invention]

[0012] According to each aspect of the present invention, a server device, a system, a method for controlling a server device, and a storage medium are provided that contribute to presenting insurance premiums appropriate for users who wish to enter into an insurance contract. Note that the effects of the present invention are not limited to those described above. The present invention may achieve other effects instead of or in addition to the effects described above. [Brief explanation of the drawings]

[0013] [Figure 1] FIG. 1 is a diagram for explaining an overview of an embodiment. [Figure 2] 1 is a diagram illustrating an example of a schematic configuration of an information processing system according to a first embodiment. [Figure 3] FIG. 2 is a diagram for explaining the general operation of the information processing system according to the first embodiment. [Figure 4] FIG. 2 is a diagram for explaining the general operation of the information processing system according to the first embodiment. [Figure 5] FIG. 2 is a diagram illustrating an example of a processing configuration of a vehicle according to the first embodiment. [Figure 6] FIG. 2 is a diagram illustrating an example of a processing configuration of a server device according to the first embodiment. [Figure 7] FIG. 3 is a diagram showing an example of an applicant information database according to the first embodiment. [Figure 8] FIG. 3 is a diagram showing an example of an applicant information database according to the first embodiment. [Figure 9] FIG. 2 is a diagram illustrating an example of a processing configuration of a terminal according to the first embodiment. [Figure 10] FIG. 3 is a diagram for explaining the operation of an insurance application unit according to the first embodiment. [Figure 11] FIG. 3 is a diagram for explaining the operation of an insurance application unit according to the first embodiment. [Figure 12] FIG. 4 is a diagram for explaining the operation of the insurance information processing unit according to the first embodiment. [Figure 13] FIG. 3 is a sequence diagram showing an example of an operation of the information processing system according to the first embodiment. [Figure 14] FIG. 2 is a diagram illustrating an example of a hardware configuration of a server device according to the present disclosure. [Figure 15] FIG. 1 is a diagram illustrating an example of a hardware configuration of a vehicle according to the present disclosure. [Figure 16] FIG. 10 is a diagram for explaining the operation of a terminal according to a modified example of the present disclosure. DETAILED DESCRIPTION OF THE INVENTION

[0014] First, an overview of one embodiment will be described. Note that the reference numerals in the drawings are added to each element for convenience as an example to facilitate understanding, and the description of this overview is not intended to be limiting in any way. Furthermore, unless otherwise specified, the blocks shown in each drawing represent functional units, not hardware units. Connection lines between blocks in each drawing include both bidirectional and unidirectional lines. Unidirectional arrows are used to schematically indicate the flow of main signals (data) and do not exclude bidirectionality. Note that in this specification and drawings, elements that can be similarly described may be assigned the same reference numerals to avoid redundant explanation.

[0015] The server device 100 according to one embodiment includes a database 101, a processing unit 102, and a guidance unit 103 (see FIG. 1). The database 101 stores at least biometric information of an applicant for vehicle insurance. The processing unit 102 receives a registration request from a vehicle, the registration request including biometric information of the driver who drives the vehicle and driving data generated when the driver uses the vehicle. The processing unit 102 identifies the applicant who drives the vehicle by performing a matching process using the driver's biometric information and the biometric information stored in the database 101. The processing unit 102 generates driving characteristic information that characterizes the driver's driving based on the driving data, and stores the driving characteristic information in the database 101 in association with the biometric information of the identified applicant. The guidance unit 103 calculates the applicant's insurance premium based on the driving characteristic information and notifies the applicant of the calculated insurance premium.

[0016] The server device 100 stores biometric information and driving characteristic information of each applicant who wishes to purchase insurance, in association with each other. The driving characteristic information is calculated from driving data obtained when the applicant drives a vehicle, and characterizes the applicant's driving style, driving conditions, etc. The server device 100 calculates and presents insurance premiums for each applicant based on the driving characteristic information of each applicant. As a result, an appropriate insurance premium tailored to the user's (insurance applicant's) actual circumstances is presented to the user. In other words, the server device 100 presents optimal insurance using driving data obtained from each vehicle used by the user, so the user will not purchase insurance with high premiums and excessive coverage or insurance with low premiums and insufficient coverage. Furthermore, since users do not purchase insurance for individual vehicles (e.g., personal cars) but for their own rides, they can use vehicles such as rental cars and shared cars easily and at appropriate insurance premiums.

[0017] Specific embodiments will be described in more detail below with reference to the drawings.

[0018] [First embodiment] The first embodiment will be described in more detail with reference to the drawings.

[0019] 2 is a diagram showing an example of a schematic configuration of the information processing system according to the first embodiment. Referring to FIG. 2, the information processing system includes a plurality of vehicles 10-1 to 10-3 and a server device 20.

[0020] In the following description, unless there is a particular reason to distinguish between the vehicles 10-1 to 10-3, they will simply be referred to as "vehicle 10."

[0021] The vehicle 10 and the server device 20 are connected via a network. More specifically, the vehicle 10 and the server device 20 are connected by wireless communication means such as 4G (fourth generation mobile communication system) or 5G (fifth generation mobile communication system). The vehicle 10 is a so-called connected car.

[0022] Examples of the vehicle 10 include a private car, a rental car, a shared car (a vehicle shared among members), and the like.

[0023] The server device 20 is a device that controls the entire information processing system. The server device 20 is a server that is managed and operated by an insurance company that sells vehicle insurance (automobile insurance). The server device 20 may be installed in the insurance company's building or on the cloud.

[0024] Insurance companies sell insurance for "people" rather than "vehicles." In the example of Figure 2, policyholder A is insured under the same conditions not only for his / her vehicle 10-1 (personal car), but also for vehicle 10-2 (rental car) and vehicle 10-3 (shared car).

[0025] Next, the general operation of the information processing system will be described with reference to the drawings.

[0026] A user who wishes to take out insurance applies for insurance to an insurance company (server device 20). At that time, the applicant operates the terminal 30 he or she owns to send an "insurance application" including the applicant's biometric information (e.g., a facial image) and personal information (e.g., name, date of birth, gender, driver's license information, contact information, etc.) to the server device 20 (see FIG. 3). The server device 20 stores the acquired biometric information and personal information in an "applicant information database." The applicant information database will be described in detail later.

[0027] When the insurance application is processed normally, the server device 20 sets a "data accumulation period" for the applicant. For example, the server device 20 sets a period such as three months or six months as the "data accumulation period."

[0028] During the data accumulation period, the applicant will receive free insurance with the same conditions as the insurance sold by the insurance company. In other words, during the data accumulation period, the applicant can drive the vehicle 10 with the same coverage (coverage for bodily injury, property damage, etc.) as the contract.

[0029] The applicant drives at least one of the vehicles 10-1 to 10-3. Each vehicle 10 is equipped with a camera device (not shown) so that it can capture an image of the driver.

[0030] The vehicle 10 acquires "drive data." The drive data is data generated when the user uses (drives) the vehicle 10. For example, examples of the drive data include a video (driving video) that is a collection of images obtained from a drive recorder, and the current location obtained from the computer (navigation system) of the vehicle 10. A more detailed description of the drive data will be given later.

[0031] The vehicle 10 transmits biometric information (for example, a facial image) and driving data to the server device 20. More specifically, the vehicle 10 transmits a "registration request" including the biometric information and driving data to the server device 20 periodically or at a predetermined timing (see FIG. 4).

[0032] The server device 20 identifies the applicant who is driving the vehicle through biometric authentication using the acquired biometric information.

[0033] The server device 20 also generates "driving characteristic information" based on the acquired driving data. The driving characteristic information is information that characterizes the driver's driving. Examples of the driving characteristic information include the driver's driving proficiency, the number of violations, the range of travel, driving time, vehicle speed, mileage, and driving time zone. In this way, the driving characteristic information can also be considered as information that quantifies (quantifies) the characteristics of the driver when driving the vehicle 10.

[0034] The server device 20 stores the generated driving characteristic information in the entry of the applicant identified by biometric authentication (entry in the applicant information database).

[0035] When the data accumulation period expires, the server device 20 calculates the insurance premium appropriate for the applicant. The server device 20 calculates the insurance premium based on at least one of the applicant's personal information and driving characteristics information.

[0036] For example, the server device 20 calculates the insurance premium based on the applicant's age, license class (whether it is a gold license or not), whether the applicant has a high level of driving proficiency, whether the mileage is long, and so on.

[0037] The server device 20 notifies (presents) the applicant with the calculated insurance premium. More specifically, the server device 20 transmits an "insurance guide" including the calculated insurance premium, coverage details, etc. to the terminal 30 used by the applicant. If the applicant accepts the insurance that has been presented to him / her, an insurance contract is concluded. Once the contract is concluded, the user can drive any vehicle 10 within the scope permitted by his / her driver's license (insurance applies). For example, in addition to the above-mentioned examples of personal cars, rental cars, and shared cars, the user can also drive cars owned by friends or acquaintances or company cars with insurance applied.

[0038] In contrast, if the user declines the insurance offered, the insurance will not be applied to the user. In this way, if the user agrees to the insurance information notified after a certain period (data accumulation period) has elapsed since the application for insurance, a contract is concluded between the user and the insurance company.

[0039] Note that the biometric information disclosed herein includes a face image, a fingerprint image, an iris image, a finger vein image, a palm print image, a palm vein image, etc. Alternatively, the biometric information may be voice data (voiceprint) that stores a person's voice. The biometric information may be one or more. Note that the term "biometric information" in the disclosure herein means image data including all or part of a living body, voice data, and feature amounts generated from the image. In the first embodiment, a case will be described in which a face image or feature amounts generated from the face image are used as biometric information.

[0040] Next, details of each device included in the information processing system according to the first embodiment will be described.

[0041] [vehicle] 5 is a diagram showing an example of a processing configuration (processing module) of the vehicle 10 according to the first embodiment. Referring to FIG. 5, the vehicle 10 includes a communication control unit 201, a biometric information acquisition unit 202, a drive data acquisition unit 203, a registration request unit 204, and a storage unit 205.

[0042] The communication control unit 201 is a means for controlling communication with other devices. For example, the communication control unit 201 receives data (packets) from the server device 20. The communication control unit 201 also transmits data to the server device 20. The communication control unit 201 passes data received from other devices to other processing modules. The communication control unit 201 transmits data acquired from other processing modules to other devices. In this way, the other processing modules transmit and receive data to and from other devices via the communication control unit 201.

[0043] The biometric information acquisition unit 202 is a means for controlling the camera device and acquiring a facial image (biometric information) of the driver. The biometric information acquisition unit 202 periodically acquires image data of the driver's seat from the camera device and attempts to extract a facial image from the acquired image data. The biometric information acquisition unit 202 passes the extracted facial image to the registration request unit 204.

[0044] Note that since existing technology can be used for the facial image extraction process by the biometric information acquisition unit 202, detailed description thereof will be omitted. For example, the biometric information acquisition unit 202 may extract a facial image (face region) from image data using a learning model trained by a CNN (Convolutional Neural Network). Alternatively, the biometric information acquisition unit 202 may extract a facial image using a method such as template matching.

[0045] The drive data acquisition unit 203 is a means for acquiring drive data. The drive data acquisition unit 203 acquires drive data from various devices and apparatuses attached to the vehicle.

[0046] For example, the drive data acquisition unit 203 acquires a video of the driving (driving video) from a drive recorder attached to the vehicle 10.

[0047] Alternatively, the drive data acquisition unit 203 acquires route information including the departure point and destination from a navigation system, or acquires information about the current position of the vehicle 10 (position information: latitude and longitude).

[0048] Alternatively, the drive data acquisition unit 203 may acquire information about the engine state (engine information; engine start / stop) and information about the vehicle speed (vehicle speed information) from an ECU (Engine Control Unit).

[0049] The drive data acquisition unit 203 passes the acquired drive data to the registration request unit 204 .

[0050] The registration request unit 204 is a means for requesting the server device 20 to register the driver's biometric information and driving data.

[0051] The registration request unit 204 periodically or at a predetermined timing transmits a registration request including biometric information (a facial image of the driver) and driving data to the server device 20. For example, the registration request unit 204 may transmit the registration request at a predetermined interval (for example, every 10 minutes), or may transmit the registration request when there is a change in all or part of the driving data.

[0052] Furthermore, the registration request unit 204 may transmit a plurality of pieces of driving data together to the server device 20, or may transmit only a portion of the driving data to the server device 20. For example, the registration request unit 204 may periodically transmit a registration request including biometric information and driving video to the server device 20. Alternatively, the registration request unit 204 may transmit a registration request including biometric information and driving data (route information, location information) to the server device 20 when the vehicle 10 arrives at the destination.

[0053] The registration request unit 204 may transmit a registration request including the driver's biometric information and at least one or more drive data to the server device 20 at any period or at any timing.

[0054] The storage unit 205 is a means for storing information necessary for the operation of the vehicle 10.

[0055] [Server device] 6 is a diagram showing an example of the processing configuration (processing module) of the server device 20 according to the first embodiment. Referring to FIG. 6, the server device 20 includes a communication control unit 301, an applicant registration unit 302, a registration request processing unit 303, an insurance information unit 304, and a storage unit 305.

[0056] The communication control unit 301 is a means for controlling communication with other devices. For example, the communication control unit 301 receives data (packets) from the vehicle 10. The communication control unit 301 also transmits data to the vehicle 10. The communication control unit 301 passes data received from other devices to other processing modules. The communication control unit 301 transmits data acquired from other processing modules to other devices. In this way, the other processing modules transmit and receive data to and from other devices via the communication control unit 301.

[0057] The applicant registration unit 302 is a means for realizing registration of applicants for insurance. The applicant registration unit 302 acquires an "insurance application" from the terminal 30. The applicant registration unit 302 generates a feature (a feature vector consisting of multiple feature values) from the facial image included in the insurance application.

[0058] Since existing technology can be used for the process of generating feature amounts, a detailed description thereof will be omitted. For example, the applicant registration unit 302 extracts the eyes, nose, mouth, etc. from the facial image as feature points. The applicant registration unit 302 then calculates the position of each feature point and the distance between each feature point as feature amounts, and generates a feature vector (vector information that characterizes the facial image) consisting of multiple feature amounts.

[0059] If the applicant registration is successful, the applicant registration unit 302 transmits a positive response to the terminal 30. If the applicant registration is not successful, the applicant registration unit 302 transmits a negative response to the terminal 30. For example, if a feature amount that meets a predetermined standard cannot be extracted from the face image acquired from the applicant, a negative response is transmitted to the terminal 30.

[0060] After generating the feature, the applicant registration unit 302 generates an applicant ID (Identifier) for identifying the applicant. Thereafter, the applicant registration unit 302 adds a new entry to the applicant information database. For example, the applicant registration unit 302 adds the entry shown at the bottom of FIG. 7.

[0061] In this way, the applicant registration unit 302 receives an insurance application including the applicant's biometric information and personal information from the terminal 30, and registers the applicant's biometric information (facial image, features) and personal information in the applicant information database.

[0062] FIG. 8 is a diagram showing in more detail the driving characteristics information field of the applicant information database shown in FIG.

[0063] The applicant information databases shown in Figures 7 and 8 are merely examples and are not intended to limit the information stored in the applicant information database. For example, the applicant information database may store the applicant's address, etc., and may not store the applicant's facial image. Furthermore, although not shown in Figure 7 etc., the applicant information database has a contact field that stores the applicant's contact information.

[0064] The registration request processing unit 303 is a means for processing a registration request received from the vehicle 10. The registration request processing unit 303 generates features from the facial image included in the registration request. The registration request processing unit 303 executes a matching process using the generated features and features registered in the applicant information database.

[0065] The registration request processing unit 303 sets the generated feature amount as a matching target and performs a matching process with the feature amount registered in the applicant information database. More specifically, the registration request processing unit 303 sets the generated feature amount (feature vector) as a matching target and performs 1:N (N is a positive integer, the same applies below) matching with the multiple feature vectors registered in the applicant information database.

[0066] The registration request processing unit 303 calculates the similarity between the feature to be matched and each of the multiple feature values on the registration side. The similarity can be calculated using chi-square distance, Euclidean distance, or the like. Note that the greater the distance, the lower the similarity, and the closer the distance, the higher the similarity.

[0067] The registration request processing unit 303 identifies the entry (applicant) that has the most similar feature among the multiple features registered in the applicant information database, with a similarity between the feature to be matched being equal to or greater than a predetermined value.

[0068] Furthermore, the registration request processing unit 303 generates driving characteristics information based on the driving data included in the registration request, and stores the generated driving characteristics information in the entry identified by the matching process (see FIGS. 7 and 8).

[0069] For example, when a driving video is acquired, the registration request processing unit 303 inputs the video or still images extracted from the video into a pre-prepared learning model to acquire driving proficiency and the number of violations. For example, the number of times a driver fails to stop is counted as the number of violations. The proficiency level may also be calculated based on the number of sudden accelerations, sudden braking, erratic driving, and the number of violations. The proficiency level is calculated, for example, on a 10-point scale.

[0070] The learning model can be obtained by machine learning using learning data (teacher data) in which labels (labels indicating whether a driving behavior is illegal or not) are assigned to image data. Any algorithm such as a support vector machine, boosting, or neural network can be used to generate the learning model. Since well-known techniques can be used for the algorithms such as the support vector machine, a description thereof will be omitted.

[0071] For example, when route information is acquired, the registration request processor 303 calculates the distance between the departure point and the destination, and sets this distance as the movement range (activity range).

[0072] For example, when engine information is acquired, the registration request processing unit 303 calculates the time from engine start to engine stop and sets the calculated time as the driving time. The registration request processing unit 303 may also calculate the driving time zone (daytime, nighttime) based on the engine information.

[0073] For example, when the vehicle speed is acquired, the registration request processing unit 303 calculates the average speed and the maximum speed and sets them in the corresponding fields.

[0074] The registration request processing unit 303 may overwrite the set value of the corresponding field using the generated driving characteristics information, or may set the sum of the set value and the calculated value in the corresponding field, or may add the calculated value to the corresponding field.

[0075] The selection of whether to overwrite, sum, or add a set value may be determined depending on the type of driving characteristic information. For example, with regard to proficiency, the registration request processing unit 303 may overwrite an existing set value with a calculated value. With regard to the number of violations and driving time, the registration request processing unit 303 may set the sum of the existing set value and the calculated value in the corresponding field. For example, with regard to the movement range, the registration request processing unit 303 may add the calculated value to the movement range field.

[0076] In this way, the registration request processing unit 303 receives a registration request from the vehicle 10, which includes the biometric information of the driver who drives the vehicle 10 and drive data generated when the driver uses the vehicle 10. The registration request processing unit 303 identifies the applicant who drives the vehicle 10 by performing a matching process using the driver's biometric information and the biometric information stored in the applicant information database. The registration request processing unit 303 generates driving characteristic information that characterizes the driver's driving based on the drive data, and stores the driving characteristic information in the applicant information database in association with the biometric information of the identified applicant.

[0077] The insurance information unit 304 is a means for providing insurance information to an applicant for insurance. For example, the insurance information unit 304 calculates the insurance premium of the applicant based on the driving characteristic information of the applicant, and provides (presents, notifies) the calculated insurance premium to the applicant.

[0078] The insurance information unit 304 periodically or at a predetermined timing accesses the applicant information database and acquires the setting value of the registration date field. The insurance information unit 304 identifies entries whose data accumulation period has expired based on the acquired setting value (registration date).

[0079] The insurance information unit 304 calculates an insurance premium appropriate for the applicant of the identified entry. More specifically, the insurance information unit 304 calculates the insurance premium based on the applicant's personal information and driving characteristics information.

[0080] The insurance information unit 304 can calculate insurance premiums using a learning model prepared in advance. The insurance company prepares personal information (age, driver's license class) and driving characteristic information (proficiency level, number of violations, travel range, driving time, etc.) labeled with appropriate insurance premiums as learning data. The insurance company generates a learning model using a large amount of learning data. The insurance company installs the generated learning model in the server device 20.

[0081] The insurance information unit 304 obtains the optimal insurance premium for the applicant by inputting personal information and driving characteristic information into the implemented learning model. In this way, the insurance information unit 304 may obtain the applicant's insurance premium by inputting driving characteristic information and personal information into a pre-prepared learning model.

[0082] Alternatively, the insurance information unit 304 may convert personal information and driving characteristic information into scores and calculate insurance premiums based on the sum of the scores of the driving characteristic information, etc. For example, the insurance information unit 304 may assign a high score to a low level of proficiency and a low score to a high level of proficiency. Alternatively, the insurance information unit 304 may assign a high score to a wide range of movement and a low score to a narrow range of movement. In other words, the insurance information unit 304 may assign a high score to driving characteristic information that is associated with a high risk of accidents, etc., and a low score to driving characteristic information that is associated with a low risk. The insurance information unit 304 may then add up the scores of each piece of driving characteristic information and set a higher insurance premium if the sum of the scores is large, and a lower insurance premium if the sum of the scores is small.

[0083] Alternatively, the insurance information unit 304 may set a weight for each item of personal information and driving characteristics information and calculate the score. For example, if driving characteristics information related to the maximum speed is given importance, the insurance information unit 304 increases the weight when adding up the score for the maximum speed.

[0084] The insurance information unit 304 presents the calculated insurance premium to the applicant. More specifically, the insurance information unit 304 transmits an "insurance guide" including the calculated insurance premium to the terminal 30 used by the applicant. The insurance information unit 304 transmits the insurance guide including the coverage details (coverage, amount of coverage, etc.) and the insurance premium to the applicant's contact information (for example, an email address that can be received by the terminal 30) for which the data accumulation period has elapsed.

[0085] In this way, the insurance information unit 304 provides insurance premium information to applicants whose biometric information has been registered in the applicant information database for a predetermined period of time. More specifically, the insurance information unit 304 transmits insurance information including the vehicle insurance coverage details and the calculated insurance premium to the terminal 30 carried by the applicant.

[0086] The insurance information unit 304 stores the status of the insurance premium information in the applicant information database. Specifically, the insurance information unit 304 sets "information provided" in the status field of the applicant to whom the insurance information was sent. When the insurance information unit 304 receives an offer to purchase the insurance presented by the terminal 30, it sets "contract completed" in the corresponding status field. Thereafter, the insurance information unit 304 transmits the information of the policyholder (name, date of birth, etc.) to a server that manages insurance contracts. As the management of insurance contracts is not within the scope of the present application, a detailed explanation will be omitted.

[0087] When the insurance information unit 304 receives from the terminal 30 a notice that the customer will not take out the insurance presented, it sets "contract rejected" in the corresponding status field.

[0088] The storage unit 305 is a means for storing information necessary for the operation of the server device 20. An applicant information database is constructed in the storage unit 305. The applicant information database stores at least the biometric information of applicants for vehicle insurance.

[0089] [Device] 9 is a diagram showing an example of a processing configuration (processing module) of the terminal 30 according to the first embodiment. Referring to FIG. 9, the terminal 30 includes a communication control unit 401, an insurance application unit 402, an insurance information processing unit 403, and a storage unit 404.

[0090] The communication control unit 401 is a means for controlling communication with other devices. For example, the communication control unit 401 receives data (packets) from the server device 20. The communication control unit 401 also transmits data to the server device 20. The communication control unit 401 passes data received from other devices to other processing modules. The communication control unit 401 transmits data acquired from other processing modules to other devices. In this way, other processing modules transmit and receive data to and from other devices via the communication control unit 401.

[0091] The insurance application unit 402 is a means for applying for insurance (provisional application). The insurance application unit 402 acquires biometric information (facial image) and personal information of the applicant using any means. For example, the insurance application unit 402 displays a GUI (Graphical User Interface) or an input form for acquiring the above information. For example, the insurance application unit 402 displays a GUI such as that shown in FIG. 10 on the terminal 30.

[0092] For example, when the insurance application unit 402 acquires a face image and personal information using a GUI such as that shown in FIG. 10, it transmits an “insurance application” including this information to the server device 20.

[0093] The insurance application unit 402 receives a response to the insurance application from the server device 20. If a positive response is received, the insurance application unit 402 displays a message as shown in FIG. 11 to notify the applicant that driving of the vehicle 10 will be insured for a predetermined period of time. If a negative response is received, the insurance application unit 402 notifies the applicant that the insurance application was not processed normally. For example, the insurance application unit 402 displays a message urging the applicant to re-register a facial image.

[0094] The insurance information processing unit 403 is a means for processing insurance information received from the server device 20. The insurance information processing unit 403 displays a GUI for the user to decide whether or not to take out insurance based on the insurance information. For example, the insurance information processing unit 403 displays a GUI as shown in Fig. 12 and acquires the user's intention (to take out insurance or not to take out insurance).

[0095] The insurance information processing unit 403 transmits the acquired user's intention (whether to take out insurance or not) to the server device 20.

[0096] The storage unit 404 is a means for storing information necessary for the operation of the terminal 30.

[0097] [Operation of information processing system] Next, the operation of the information processing system according to the first embodiment will be described.

[0098] 13 is a sequence diagram showing an example of the operation of the information processing system according to the first embodiment. Note that a description of the operation of the information processing system regarding an insurance application will be omitted.

[0099] When a user (insurance applicant) sits in the driver's seat, the vehicle 10 acquires biometric information of the applicant (step S01).

[0100] The vehicle 10 acquires driving data generated by driving the applicant (step S02). For example, the vehicle 10 acquires information such as driving video and engine status (starting, stopping).

[0101] The vehicle 10 transmits a registration request including the biometric information and the driving data to the server device 20 (step S03).

[0102] The server device 20 executes a matching process using the biometric information included in the registration request and the biometric information registered in the applicant information database (step S04). The server device 20 identifies the driver (applicant) who will be driving the vehicle 10 through the matching process.

[0103] The server device 20 calculates driving characteristic information that characterizes the applicant's driving based on the driving data included in the registration request (step S05).

[0104] The server device 20 stores the calculated driving characteristic information in the entry of the specified applicant (entry in the applicant information database) (step S06).

[0105] The vehicle 10 and the server device 20 repeat the above operations during the data accumulation period.

[0106] When the data accumulation period ends, the server device 20 calculates the insurance premium appropriate for the applicant (step S07). The server device 20 calculates the insurance premium taking into consideration the applicant's attributes (age, etc.), the applicant's driving details, driving characteristics, etc. accumulated during the data accumulation period.

[0107] The server device 20 transmits an insurance guide including the calculated insurance premium to the terminal 30 (step S08).

[0108] The terminal 30 acquires the applicant's intention as to whether or not to take out insurance based on the insurance guide (step S09). The terminal 30 acquires the applicant's intention using, for example, a GUI as shown in Fig. 12. The terminal 30 transmits the acquired intention to the server device 20.

[0109] As described above, the information processing system according to the first embodiment accumulates driving characteristics of applicants for vehicle insurance over a predetermined period (data accumulation period). The server device 20 calculates an insurance premium appropriate to each user's circumstances based on the accumulated driving characteristic information and presents the calculated insurance premium to the user. The server device 20 presents optimal insurance using driving data obtained from each vehicle used by the user (e.g., a personal car, a rental car, a shared car). This prevents the user from purchasing insurance with high premiums and excessive coverage or low premiums and insufficient coverage. That is, the server device 20 can collect driving data not only from the user's primary vehicle (e.g., a personal car) but also from other vehicles driven by the user (e.g., rental cars) by linking them with biometric information. In this way, the server device 20 collects driving data from multiple vehicles (across vehicles and vehicle types) and calculates driving characteristics. The server device 20 calculates insurance premiums based on the calculated driving characteristics, thereby presenting appropriate insurance premiums to the insurance applicant. In addition, since users enter into an insurance contract for their own rides, they can easily use vehicles such as rental cars and shared cars at an appropriate insurance premium.

[0110] Next, the hardware of each device constituting the information processing system will be described. Fig. 14 is a diagram showing an example of the hardware configuration of the server device 20.

[0111] The server device 20 can be configured by an information processing device (so-called computer), and has the configuration exemplified in Fig. 14. For example, the server device 20 includes a processor 311, a memory 312, an input / output interface 313, and a communication interface 314. The components such as the processor 311 are connected by an internal bus or the like, and are configured to be able to communicate with each other.

[0112] 14 is not intended to limit the hardware configuration of the server device 20. The server device 20 may include hardware not shown, and may not include the input / output interface 313 as necessary. Furthermore, the number of processors 311 and the like included in the server device 20 is not intended to be limited to the example shown in FIG. 14, and for example, the server device 20 may include multiple processors 311.

[0113] The processor 311 is a programmable device such as a central processing unit (CPU), a micro processing unit (MPU), or a digital signal processor (DSP). Alternatively, the processor 311 may be a device such as a field programmable gate array (FPGA) or an application specific integrated circuit (ASIC). The processor 311 executes various programs including an operating system (OS).

[0114] The memory 312 is a random access memory (RAM), a read only memory (ROM), a hard disk drive (HDD), a solid state drive (SSD), etc. The memory 312 stores an OS program, application programs, and various data.

[0115] The input / output interface 313 is an interface for a display device and an input device (not shown). The display device is, for example, a liquid crystal display. The input device is, for example, a device that accepts user operations such as a keyboard or a mouse.

[0116] The communication interface 314 is a circuit, module, etc. that communicates with other devices. For example, the communication interface 314 includes a network interface card (NIC).

[0117] The functions of the server device 20 are realized by various processing modules. The processing modules are realized, for example, by the processor 311 executing a program stored in the memory 312. The program can be recorded on a computer-readable storage medium. The storage medium can be a non-transitory medium such as a semiconductor memory, a hard disk, a magnetic recording medium, or an optical recording medium. That is, the present invention can also be embodied as a computer program product. The program can be downloaded via a network or updated using a storage medium storing the program. The processing modules can also be realized by semiconductor chips.

[0118] The basic hardware configuration of the terminal 30 is not explained here because it is the same as that of the server device 20. The terminal 30 may be a mobile phone, a smartphone, a tablet, or the like.

[0119] The server device 20 is equipped with a computer, and the computer executes a program to realize the functions of the server device 20. The server device 20 also executes a control method for the server device 20 by the program.

[0120] 15 is a diagram illustrating an example of a hardware configuration of vehicle 10. Referring to FIG. 15, vehicle 10 includes a processor 411, a memory 412, a communication interface 413, a drive recorder 414, a navigation system 415, an ECU 416, and a camera device 417.

[0121] The processor 411, memory 412, and communication interface 413 each have the same functions as the corresponding devices of the server device 20, and therefore descriptions thereof will be omitted. General-purpose devices can also be used for the drive recorder 414, navigation system 415, ECU 416, and camera device 417, and descriptions thereof will be omitted. The drive recorder 414 and the like are connected to each other so as to be able to communicate with each other via an in-vehicle LAN (Local Area Network).

[0122] [Variations] The configuration, operation, etc. of the information processing system described in the above embodiment are merely examples, and are not intended to limit the configuration, etc. of the system.

[0123] In the above embodiment, the server device 20 has the applicant information database. However, the database may be constructed in a database server different from the server device 20. Furthermore, the information processing system may include the various means (such as the registration request processing unit 303 and the insurance information unit 304) described in the above embodiment. For example, the generation of driving characteristic information performed by the server device 20 may be performed by the vehicle 10. Alternatively, the applicant information database may be divided, and each divided database may be configured in a different entity (device). For example, an authentication server that stores the user's biometric information and user ID may be provided, and the server device 20 may have a database that stores the user ID and driving characteristic information linked to the biometric information. That is, the system may be configured such that the biometric information is held by an authentication infrastructure (authentication server), and the server device 20 stores the user ID and driving characteristic information linked to the biometric information.

[0124] In the above embodiment, a case has been described in which biometric information related to a "facial image" is transmitted from the vehicle 10 to the server device 20. However, biometric information related to "feature amounts generated from a facial image" may also be transmitted from the vehicle 10 to the server device 20.

[0125] In the above embodiment, the driver is identified by face authentication (biometric authentication) using a face image. However, the driver may be identified by iris authentication using an iris image or fingerprint authentication using a fingerprint image.

[0126] In the above embodiment, calculation of insurance premiums has been described using an automobile as an example of the vehicle 10. However, the subject of insurance may be a vehicle other than an automobile, such as a bicycle or a motorcycle. Alternatively, the subject of insurance may be an airplane, a ship, or the like.

[0127] The insurance information unit 304 of the server device 20 may calculate new insurance premiums for existing insured users when it is time to renew their insurance, and may transmit an "insurance re-contract guide" including the calculated premiums to the user's terminal 30. That is, the server device 20 may store driving characteristic information about the insured even after the contract is concluded, and calculate the insurance premiums for renewing the contract based on the stored information. In other words, the server device 20 collects driving data during the insurance contract period, and calculates the insurance premiums at the time of renewal when providing the insurance contract renewal guide. The server device 20 presents the calculated insurance premiums to the applicant when providing the insurance contract renewal guide.

[0128] Alternatively, the insurance information unit 304 may store driving characteristic information after the contract refusal of a user who has refused to sign an insurance contract, recalculate the insurance premium based on that information, and present (inform) the recalculated insurance premium to the user who has refused to sign the insurance contract.

[0129] In the above embodiment, the data accumulation period is described as a predetermined fixed period. However, the data accumulation period may be determined based on information about each user (or may be changed depending on the user). For example, the data accumulation period may be determined based on the user's age or driver's license rank.

[0130] The insurance information unit 304 of the server device 20 may change the data accumulation period depending on the status of the accumulated driving characteristic information. For example, the insurance information unit 304 may extend the data accumulation period when the reliability of the driving characteristic information is expected to be low, such as when the driving time is extremely short.

[0131] In the above embodiment, the case where an insurance guide is sent to an applicant for whom the data accumulation period has elapsed has been described. However, the server device 20 may calculate the insurance premium based on an explicit request from the applicant and present the calculated insurance premium to the applicant who made the request.

[0132] The server device 20 may verify the identity of the applicant when registering the applicant. Specifically, the server device 20 acquires the applicant's biometric information, personal information, and also an identification document (a document containing biometric information; for example, a passport) from the terminal 30. If one-to-one matching using the acquired biometric information and the biometric information acquired from the identification document is successful, the server device 20 determines that the identity of the applicant has been successfully verified. If the identity verification is successful, the server device 20 may permit the applicant to register.

[0133] The server device 20 may reject subsequent insurance applications from the same person. Specifically, the server device 20 executes a matching process using the biometric information in the insurance application and the biometric information stored in the applicant information database. If the matching process reveals that the biometric information in the insurance application is registered in the applicant information database, the applicant registration unit 302 of the server device 20 rejects the application (sends a negative response). Alternatively, the applicant registration unit 302 may resend the insurance information that was sent to the applicant's terminal 30.

[0134] The server device 20 may utilize the driving data and driving characteristic information for purposes other than calculating insurance premiums. For example, the server device 20 may issue coupons to the user's terminal 30 for places that the user frequently visits.

[0135] In the above embodiment, a "data accumulation period" is provided during which insurance premiums are not required, and data for calculating insurance premiums is collected during this free period. However, a free data accumulation period does not have to be provided. For example, the server device 20 informs the applicant of a specified insurance premium at the stage of applying for insurance. If the applicant agrees to the informed insurance premium and coverage details, the insurance contract is concluded. The server device 20 may treat the contract period of the concluded insurance contract as the "data accumulation period," and calculate the insurance premium when the insurance contract is renewed, and present it to the user.

[0136] The server device 20 may allow the applicant to select whether or not to include a data storage period and its length. The server device 20 may change the insurance premium notified to the applicant depending on the length of the selected data storage period. For example, the server device 20 may offer a discount on the insurance premium for an applicant who has set a long data storage period. This is because a longer data storage period allows for more accurate calculation of the insurance premium, which is beneficial for the insurance company. Furthermore, by setting the insurance premium at a discount, it is possible to reward applicants who are cooperative in data storage. Conversely, if a long data storage period is set, the server device 20 may offer a higher insurance premium. This is because a longer data storage period is synonymous with a longer period during which insurance is provided to the applicant free of charge. How to set the relationship between the length of the data storage period and the insurance premium may be determined based on the insurance company's thinking (policy).

[0137] The server device 20 may transmit an insurance guide including multiple plans with different coverage to the terminal 30. In this case, the terminal 30 displays a GUI such as that shown in Fig. 16 and presents multiple insurance plans with different coverage and premiums to the applicant. The terminal 30 uses the GUI such as that shown in Fig. 16 to acquire the plan that the applicant desires for insurance contract, and notifies the server device 20 of the acquired result (the selected insurance plan or rejection of the insurance contract).

[0138] The server device 20 may calculate the insurance premium based on the type of vehicle that the applicant primarily drives (e.g., a personal car, a rental car, or a shared car). In this case, the vehicle 10 transmits a registration request including a vehicle ID indicating the vehicle's type to the server device 20. The server device 20 identifies the driver based on the biometric information included in the registration request, associates the identified driver with the vehicle ID, and stores them in the applicant information database. When calculating the insurance premium, the server device 20 determines the type of vehicle that the applicant primarily drives from the vehicle ID and reflects this in the calculation of the insurance premium. For example, the server device 20 may lower the insurance premium for an applicant who frequently drives a personal car, and may raise the insurance premium for an applicant who frequently drives a rental car or a shared car.

[0139] The form of data transmission and reception between the devices (vehicle 10, server device 20, terminal 30) is not particularly limited, but the data transmitted and received between these devices may be encrypted. Biometric information is transmitted and received between these devices, and in order to appropriately protect the biometric information, it is desirable to transmit and receive encrypted data.

[0140] In the flow charts (flowcharts, sequence diagrams) used in the above explanation, multiple steps (processes) are described in order, but the execution order of the steps executed in the embodiments is not limited to the order described. In the embodiments, the order of the illustrated steps can be changed to the extent that the content is not affected, such as by executing each process in parallel.

[0141] The above-described embodiments have been described in detail to facilitate understanding of the present disclosure, and it is not intended that all of the above-described configurations are required. Furthermore, when multiple embodiments are described, each embodiment may be used alone or in combination. For example, it is possible to replace part of the configuration of one embodiment with the configuration of another embodiment, or to add the configuration of another embodiment to the configuration of one embodiment. Furthermore, it is possible to add, delete, or replace part of the configuration of one embodiment with another configuration.

[0142] From the above explanation, it is clear that the present invention has industrial applicability, and the present invention can be suitably applied to an information processing system for selling vehicle insurance to users.

[0143] Some or all of the above embodiments can be described as, but are not limited to, the following supplementary notes. [Appendix 1] a database that stores at least biometric information of applicants for vehicle insurance; a processing unit that receives from the vehicle a registration request including biometric information of the driver who drives the vehicle and drive data generated when the driver uses the vehicle, identifies an applicant who drives the vehicle by performing a matching process using the driver's biometric information and the biometric information stored in the database, generates driving characteristic information that characterizes the driving of the driver based on the drive data, and stores the driving characteristic information in the database in association with the biometric information of the identified applicant; a guidance unit that calculates the applicant's insurance premium based on the driving characteristics information and notifies the applicant of the calculated insurance premium; A server device comprising: [Appendix 2] The server device according to claim 1, wherein the information unit provides information about the insurance premium to the applicant for whom a predetermined period has passed since the biometric information was registered in the database. [Appendix 3] The server device according to claim 1 or 2, wherein the information unit transmits an insurance guide including the vehicle insurance coverage details and the calculated insurance premium to a terminal carried by the applicant. [Appendix 4] The server device described in Appendix 3, further comprising a registration unit that receives an insurance application including the applicant's biometric information and personal information from the terminal and registers the applicant's biometric information and personal information in the database. [Appendix 5] The server device described in Appendix 4, wherein the guidance unit calculates the applicant's insurance premium based on the driving characteristics information and the personal information. [Appendix 6] The server device described in Appendix 5, wherein the guidance unit obtains the applicant's insurance premium by inputting the driving characteristic information and personal information into a pre-prepared learning model. [Appendix 7] The server device according to any one of appendices 1 to 6, wherein the information section stores information about the insurance premium in the database. [Appendix 8] The server device according to any one of appendixes 1 to 7, wherein the vehicle is an automobile, and is one of a private car, a rental car, and a shared car. [Appendix 9] The server device according to any one of appendices 1 to 8, wherein the driving data is at least one of a driving video, route information, location information, engine information, and vehicle speed information. [Appendix 10] The server device according to any one of appendices 1 to 9, wherein the driving characteristic information is at least one of driving proficiency, number of violations, travel range, driving time, vehicle speed, driving distance, and driving time zone. [Appendix 11] 11. The server device according to claim 1, wherein the biometric information is a face image or a feature amount generated from the face image. [Appendix 12] Vehicles and a server device connected to the vehicle; Including, The server device a database that stores at least biometric information of applicants for vehicle insurance; a processing unit that receives from the vehicle a registration request including biometric information of the driver who drives the vehicle and drive data generated when the driver uses the vehicle, identifies an applicant who drives the vehicle by performing a matching process using the driver's biometric information and the biometric information stored in the database, generates driving characteristic information that characterizes the driver's driving based on the drive data, and stores the driving characteristic information in the database in association with the biometric information of the identified applicant; a guidance unit that calculates the applicant's insurance premium based on the driving characteristics information and notifies the applicant of the calculated insurance premium; A system comprising: [Appendix 13] A server device having a database that stores at least biometric information of an applicant for vehicle insurance, receiving a registration request from a vehicle, the registration request including biometric information of a driver who drives the vehicle and drive data generated by the driver using the vehicle; Identifying the applicant who will drive the vehicle by performing a matching process using the driver's biometric information and the biometric information stored in the database; generating driving characteristic information that characterizes the driving of the driver based on the drive data; storing the driving characteristic information in the database in association with biometric information of the specified applicant; calculating an insurance premium for the applicant based on the driving characteristic information; A method for controlling a server device that notifies the applicant of the calculated insurance premium. [Appendix 14] A computer installed in a server device having a database that stores at least biometric information of an applicant for vehicle insurance, receiving a registration request from a vehicle, the registration request including biometric information of a driver who drives the vehicle and drive data generated by the driver using the vehicle; a process of identifying the applicant who will drive the vehicle by a matching process using the driver's biometric information and the biometric information stored in the database; A process of generating driving characteristic information that characterizes the driving of the driver based on the drive data; a process of storing the driving characteristic information in the database in association with biometric information of the specified applicant; calculating an insurance premium for the applicant based on the driving characteristics information; a process of informing the applicant of the calculated insurance premium; A computer-readable storage medium that stores a program for executing the above.

[0144] The disclosures of the above-cited prior art documents are incorporated herein by reference. Although the embodiments of the present invention have been described above, the present invention is not limited to these embodiments. Those skilled in the art will understand that these embodiments are merely illustrative and that various modifications are possible without departing from the scope and spirit of the present invention. In other words, the present invention naturally includes various modifications and alterations that may be made by those skilled in the art in accordance with the entire disclosure, including the claims, and the technical concepts thereof. [Explanation of symbols]

[0145] 10, 10-1 to 10-3 vehicles 20, 100 server devices 30 devices 101 Database 102 Processing section 103 Information Department 201, 301, 401 Communication control unit 202 Biometric information acquisition unit 203 Drive data acquisition unit 204 Registration Request Section 205, 305, 404 Storage section 302 Applicant Registration Department 303 Registration request processing unit 304 Insurance Information Department 311, 411 processors 312, 412 memory 313 Input / Output Interface 314, 413 Communication Interface 402 Insurance Application Department 403 Insurance Information Processing Unit 414 Drive Recorder 415 Navigation System 416 ECU 417 Camera Equipment

Claims

1. a database that stores at least biometric information of applicants for vehicle insurance; a processing unit that receives registration requests from a plurality of vehicles, the registration requests including biometric information of the drivers who drive the plurality of vehicles and driving data generated when the drivers use the plurality of vehicles, identifies the applicant who drives the vehicles by performing a matching process using the biometric information of the drivers and the biometric information stored in the database, generates driving characteristic information that characterizes the driving proficiency of the driver based on the driving data, and stores the driving characteristic information in the database in association with the biometric information of the identified applicant; a notification unit that calculates an insurance premium for the applicant for a predetermined period of time that has elapsed since the biological information was registered in the database based on the driving characteristic information, and notifies the applicant of the calculated insurance premium; and A server device comprising:

2. the processing unit receives the registration request from the vehicle, the registration request including the vehicle ID of the vehicle; The server device according to claim 1 , wherein the information section calculates the insurance premium based on the type of the vehicle that the driver mainly uses.

3. 3. The server device according to claim 1, wherein the information section transmits an insurance guide including the vehicle insurance coverage details and the calculated insurance premium to a terminal carried by the applicant.

4. 4. The server device according to claim 3, further comprising a registration unit that receives an insurance application including biometric information and personal information of the applicant from the terminal and registers the biometric information and personal information of the applicant in the database.

5. The server device according to claim 4 , wherein the information providing unit calculates the insurance premium of the applicant based on the driving characteristics information and the personal information.

6. The server device according to claim 5 , wherein the guidance unit acquires the insurance premium of the applicant by inputting the driving characteristics information and personal information into a learning model prepared in advance.

7. The server device according to claim 1 , wherein the information section stores information about the insurance premium in the database.

8. The server device according to claim 2 , wherein the vehicle is an automobile, and the vehicle type includes at least one of a private car, a rental car, and a shared car.

9. The server device according to claim 1 , wherein the driving data is at least one of a driving video, route information, position information, engine information, and vehicle speed information.

10. The server device according to claim 1 , wherein the driving characteristics information further includes, in addition to driving proficiency, at least one of the number of violations, travel range, driving time, vehicle speed, distance traveled, and driving time zone.

11. The server device according to claim 1 , wherein the biometric information is a face image or a feature amount generated from the face image.

12. Multiple vehicles and a server device connected to the vehicle; Including, The server device a database that stores at least biometric information of applicants for vehicle insurance; a processing unit that receives registration requests from a plurality of the vehicles, the registration requests including biometric information of the drivers who drive the plurality of the vehicles and driving data generated when the drivers use the plurality of the vehicles, identifies an applicant who drives the vehicles by performing a matching process using the biometric information of the drivers and the biometric information stored in the database, generates driving characteristic information that characterizes the driving proficiency of the drivers based on the driving data, and stores the driving characteristic information in the database in association with the biometric information of the identified applicant; a notification unit that calculates an insurance premium for the applicant for a predetermined period of time that has elapsed since the biological information was registered in the database based on the driving characteristic information, and notifies the applicant of the calculated insurance premium; and A system comprising:

13. A server device having a database that stores at least biometric information of an applicant for vehicle insurance, receiving registration requests from a plurality of vehicles, the registration requests including biometric information of drivers who drive the plurality of vehicles and drive data generated by the drivers using the plurality of vehicles; Identifying the applicant who will drive the vehicle by performing a matching process using the driver's biometric information and the biometric information stored in the database; generating driving characteristic information characterizing the driving proficiency of the driver based on the driving data; storing the driving characteristic information in the database in association with biometric information of the specified applicant; calculating an insurance premium for the applicant for a predetermined period of time after the biological information was registered in the database based on the driving characteristic information; A method for controlling a server device that notifies the applicant of the calculated insurance premium.

14. A computer installed in a server device having a database that stores at least biometric information of an applicant for vehicle insurance, receiving registration requests from a plurality of vehicles, the registration requests including biometric information of drivers who drive the plurality of vehicles and drive data generated when the drivers use the plurality of vehicles; a process of identifying the applicant who will drive the vehicle by a matching process using the driver's biometric information and the biometric information stored in the database; generating driving characteristic information characterizing the driving proficiency of the driver based on the driving data; a process of storing the driving characteristic information in the database in association with biometric information of the specified applicant; A process of calculating an insurance premium for the applicant for a predetermined period of time after the biological information is registered in the database based on the driving characteristic information; a process of informing the applicant of the calculated insurance premium; A program that executes the following.

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