Information processing system and information processing method, information terminal and control method therefor, information processing device, and computer program

Abstract

Provided is an information processing system that determines a premium of an online insurance service.　The information processing system comprises an information terminal that an applicant uses to perform a procedure of applying for insurance, and an information processing device that calculates the premium of the insurance for the applicant. The information terminal acquires first information when the applicant applies for the insurance, acquires second information within a valid period of the insurance, and transmits the first information and the second information to the information processing device. The information processing device calculates a first premium on the basis of the first information, calculates a second premium on the basis of the second information, and determines the premium for the applicant on the basis of the first premium and the second premium.

Description

[Technical Field]

[0001] The technology disclosed in this specification (hereinafter referred to as "the present disclosure") relates to an information processing system that acquires information used to determine insurance premiums and performs processing to determine insurance premiums based on the acquired information, an information terminal that collects information used to determine insurance premiums, an information processing device and information processing method that performs processing to determine insurance premiums based on information acquired via the information terminal, and a computer program. [Background technology]

[0002] Recently, online insurance services that allow users to get quotes, select insurance types, and apply online have become popular. For example, online insurance services are available for life insurance, medical insurance, fire insurance, automobile insurance, and even small-amount insurance for specific sports and hobbies, such as golf insurance, mountain insurance, and ski insurance. Recently, online insurance services are also being offered for short-term insurance, such as one-day automobile insurance, that is limited to a certain number of days or times (for example, one round of golf, one mountain climbing trip, or one day of skiing).

[0003] Insurance is a system that compensates for losses incurred by policyholders when an event covered by the insurance (such as injury, property damage, or theft) occurs to the policyholder, and premiums are calculated based on the probability of the event occurring and the amount of damage.In the case of insurance services for sports and hobbies, it is necessary to prepare for injuries to the policyholder that may occur during sports such as mountain climbing, hiking, skiing, snowboarding, and golf, theft of equipment and personal belongings, and liability for bodily injury and property damage.

[0004] In the case of automobile insurance, telematics insurance is known, which uses telematics to acquire and analyze each driver's driving information, such as mileage and driving characteristics, and calculates insurance premiums based on that information, in order to promote safe driving and reduce accidents.Telematics is the provision of real-time information services by combining a communication system with a moving object such as an automobile.

[0005] For example, an insurance condition determination device has been proposed that includes an acquisition unit that acquires first information regarding a driving route when the user is the driver, and second information regarding the history of the user riding in a vehicle as a passenger other than the driver and the driving route when the user was a passenger, and an insurance condition determination unit that determines insurance conditions according to the driving route obtained from the first information acquired by the acquisition unit, and that refers to the second information and changes the insurance conditions to be more favorable to the user when driving in an area corresponding to the driving route obtained from the second information (see Patent Document 1). [Prior art documents] [Patent documents]

[0006] [Patent Document 1] Japanese Patent Application Laid-Open No. 2017-167963 Summary of the Invention [Problem to be solved by the invention]

[0007] In the case of insurance services targeting specific sports or hobbies, such as golf insurance, mountain insurance, and ski insurance, the probability of an event covered by the insurance occurring varies depending on the policyholder's years of experience and skills. However, self-reporting of the policyholder's career history and skill level can lack objectivity, and there are no standards for evaluating career history and skills in the first place. For this reason, many insurance services of this type have a flat insurance amount.

[0008] The object of the present disclosure is to provide an information processing system and information processing method that acquire information used to determine insurance premiums for insurance services that primarily target specific sports or hobbies and perform processing to determine insurance premiums based on the acquired information, an information terminal that collects information used to determine insurance premiums for insurance services that target specific sports or hobbies, an information processing device that performs processing to determine insurance premiums for insurance services that target specific sports or hobbies based on information acquired via the information terminal, and a computer program. [Means for solving the problem]

[0009] The present disclosure has been made in consideration of the above problems, and a first aspect thereof is: an information acquisition unit that acquires first information when a subscriber enrolls in insurance and acquires second information during the insurance coverage period; an insurance premium determination unit that calculates a first insurance premium based on the first information and a second insurance premium based on the second information, and determines the insurance premium for the subscriber based on the first insurance premium and the second insurance premium; a presentation unit that presents information about the insurance premiums to the subscriber's information terminal; The information processing system is provided with the above.

[0010] However, the term "system" used here refers to a logical collection of multiple devices (or functional modules that realize specific functions), and it does not matter whether each device or functional module is contained within a single housing.

[0011] An information processing system according to a first aspect includes, for example, the information terminal through which the subscriber applies for insurance and an information processing device that calculates the premium for the insurance for the subscriber. The information terminal, as the information acquisition unit, acquires first information when the subscriber applies for the insurance and acquires second information within the coverage period of the insurance, and transmits the first information and the second information to the information processing device. The information processing device, together with the premium determination unit, calculates a first premium based on the first information and a second premium based on the second information, and determines the sum of the first premium and the second premium as the premium for the subscriber.

[0012] For example, the activity covered by the insurance is mountain climbing, and the applicable period is the day on which the insured person goes on mountain climbing.

[0013] The activity covered by the insurance is golf, and the applicable period is the day on which the insured person plays golf.

[0014] Furthermore, a second aspect of the present disclosure is an information acquisition step of acquiring first information when a subscriber enrolls in insurance and acquiring second information within a period of coverage of the insurance; an insurance premium determination step of calculating a first insurance premium based on the first information and a second insurance premium based on the second information, and determining the insurance premium for the subscriber based on the first insurance premium and the second insurance premium; a presentation step of presenting information about the insurance premium on an information terminal of the subscriber; The information processing method has the following features.

[0015] Furthermore, a third aspect of the present disclosure is an information acquisition unit that acquires first information when a subscriber enrolls in insurance and acquires second information during the insurance coverage period; a presentation unit that presents information regarding the insurance premium of the subscriber determined based on a first insurance premium calculated based on the first information and a second insurance premium calculated based on the second information; It is an information terminal equipped with the above.

[0016] Furthermore, a fourth aspect of the present disclosure is a receiving unit that receives, from an information terminal of the subscriber, first information acquired when the subscriber enrolls in insurance and second information acquired during the period of coverage of the insurance; an insurance premium determination unit that calculates a first insurance premium based on the first information and a second insurance premium based on the second information, and determines the insurance premium for the subscriber based on the first insurance premium and the second insurance premium; a presentation unit that presents information about the insurance premiums to the subscriber's information terminal; The information processing device is provided with:

[0017] Furthermore, a fifth aspect of the present disclosure is an information acquisition unit that acquires first information when a subscriber enrolls in insurance and acquires second information during the period of coverage of the insurance; an insurance premium determination unit that calculates a first insurance premium based on the first information and a second insurance premium based on the second information, and determines the insurance premium for the subscriber based on the first insurance premium and the second insurance premium; a presentation unit that presents information about the insurance premiums on the subscriber's information terminal; It is a computer program written in a computer-readable format to cause a computer to function as a

[0018] A computer program according to a fifth aspect of the present disclosure defines a computer program written in a computer-readable format to perform predetermined processing on a computer. In other words, by installing the computer program according to the fifth aspect of the present disclosure on a computer, a cooperative action is exerted on the computer, and the same effects as those of the information processing system according to the first aspect of the present disclosure can be obtained. [Effects of the Invention]

[0019] According to the present disclosure, it is possible to provide an information processing system and information processing method that perform processing to determine insurance premiums for each subscriber in accordance with the career and skill level of each subscriber in a short-term insurance service that mainly targets specific sports or hobbies, an information terminal that collects information used to determine insurance premiums for each subscriber in accordance with the career and skill level of each subscriber in an insurance service that targets specific sports or hobbies, an information processing device that performs processing to determine insurance premiums for each subscriber in accordance with the career and skill level of each subscriber in an insurance service that targets specific sports or hobbies based on information acquired via the information terminal, and a computer program.

[0020] It should be noted that the effects described in this specification are merely examples, and the effects brought about by the present disclosure are not limited to these. Furthermore, the present disclosure may also bring about additional effects in addition to the effects described above.

[0021] Further objects, features, and advantages of the present disclosure will become apparent from the following detailed description based on the embodiments and accompanying drawings. [Brief explanation of the drawings]

[0022] [Figure 1] FIG. 1 is a diagram showing an example of the configuration of an information processing system 100. As shown in FIG. [Figure 2] FIG. 2 is a diagram showing an example of a processing sequence when an online insurance service is provided on the information processing system 100. In FIG. [Figure 3] FIG. 3 is a diagram showing an example of the configuration of the information processing device 102. [Figure 4] FIG. 4 is a diagram showing an example of the configuration of the information terminal 101. [Figure 5] FIG. 5 is a diagram showing an example of the structure of mountain insurance premium 500. [Figure 6] FIG. 6 is a flowchart showing the procedure carried out by the information processing system 100 before mountain climbing. [Figure 7] FIG. 7 is a flowchart showing the procedure carried out by the information processing system 100 during mountain climbing. [Figure 8] FIG. 8 shows the transition of insurance premiums for each member of a mountain climbing party during the climb. [Figure 9] FIG. 9 is a diagram showing an example of a functional configuration for calculating the first mountaineering insurance premium. [Figure 10] FIG. 10 is a diagram showing an example of a functional configuration for calculating the second mountaineering insurance premium. [Figure 11] FIG. 11 is a diagram showing details of the objective variables, explanatory variables, and prediction model in the health condition prediction unit 1005. [Figure 12] FIG. 12 is a diagram showing details of the objective variables, explanatory variables, and prediction model in the course state prediction unit 1007. [Figure 13] FIG. 13 is a diagram showing the types of first information to be acquired before climbing a mountain and examples of input by each member. [Figure 14]FIG. 14 is a diagram showing types of second information acquired during mountain climbing, examples of acquisition, examples of risk evaluation, and examples of changes in insurance premiums. [Figure 15] FIG. 15 is a diagram showing golf insurance premiums 1500. [Figure 16] FIG. 16 is a flowchart showing the procedure carried out by the information processing system 100 before playing golf. [Figure 17] FIG. 17 is a flowchart showing the procedure carried out by the information processing system 100 during the play of golf. [Figure 18] FIG. 18 is a diagram showing an example of a functional configuration for calculating the first insurance premium for golf insurance premiums. [Figure 19] FIG. 19 is a diagram showing an example of a functional configuration for calculating the second insurance premium for golf insurance premiums. [Figure 20] FIG. 20 is a diagram showing the types of first information acquired before playing golf and examples of input by each member. [Figure 21] FIG. 21 is a diagram showing types of second information acquired during playing golf, examples of acquisition, examples of risk evaluation, and examples of changes in insurance premiums. DETAILED DESCRIPTION OF THE INVENTION

[0023] The present disclosure will be described below in the following order with reference to the drawings.

[0024] A. System Configuration B. System Operation C. Equipment configuration D. Examples of mountain insurance application E. Examples of application to golf insurance

[0025] A. System Configuration FIG. 1 schematically illustrates an exemplary configuration of an information processing system 100 to which the present disclosure is applied. The illustrated information processing system 100 is configured by interconnecting information terminals 101-1, 101-2, etc. used by each insurance service subscriber and an information processing device 102 that executes information processing for determining each subscriber's insurance premium via a network such as the Internet 103. The information terminals 101-1, 101-2, etc. are multifunctional information terminals such as smartphones and tablets, but may also be personal computers. The information processing device 102 may also be a server operated by an insurance company, for example. For convenience, in this specification, not only subscribers who have ultimately applied for insurance but also prospective subscribers who have not yet completed the enrollment procedures will be referred to as subscribers. For simplicity of explanation, it is assumed that prospective subscribers will enroll in insurance without canceling the enrollment procedures midway.

[0026] The information terminals 101-1, 101-2, ... are used by users to complete procedures for purchasing insurance. That is, on each of the information terminals 101-1, 101-2, ..., information required for purchasing insurance is input, such as subscriber information that identifies the subscriber, such as the subscriber's name, sex, age, occupation, and address, selection of the type of insurance, and insurance conditions such as the amount of compensation. R The information required for taking out insurance includes information used to calculate insurance premiums. Information input to information terminals 101-1, 101-2, ... includes information based on a user's input operation on an input device such as a touch panel, information obtained by speech recognition of the user's input voice, and sensor information from sensors included in information terminals 101-1, 101-2, ... or from surrounding IoT (Internet of Things) devices. Information terminals 101-1, 101-2, ... then transfer the input information to information processing device 102, and carry out the insurance taking out procedure.

[0027] Based on the subscriber information acquired from information terminals 101-1, 101-2, ..., information processing device 102 estimates the damage that the subscriber will suffer if an event covered by insurance (such as injury, property damage, or theft) occurs, and calculates the insurance premium to be charged to each subscriber from the estimated result. Information processing device 102 then transmits the calculated insurance premiums for the subscribers to the corresponding information terminals 101-1, 101-2, ....

[0028] Each of information terminals 101-1, 101-2, ... presents the insurance premium received from information processing device 102. Furthermore, payment procedures for the presented insurance premium may also be carried out simultaneously on information terminals 101-1, 101-2, ....

[0029] The insurance service handled by the information processing system 100 according to the present disclosure is basically a so-called online insurance service. More specifically, the insurance service handled by the information processing system 100 according to the present disclosure is an online insurance service that mainly targets sports and hobbies, such as mountain climbing, hiking, skiing, snowboarding, golf, etc., and provides coverage for injuries and theft suffered by the subscriber himself / herself while participating in sports or hobbies, as well as liability for Thai persons and property damage, and is particularly a short-term online insurance service with a limited number of days or number of trips (e.g., one round of golf, one mountain climbing trip, one day of skiing, etc.).

[0030] When the information processing system 100 is applied to an online insurance service for sports and hobbies, the information processing device 102 estimates the amount of damages for injuries to the subscriber, who is the user of the information terminal 101, the theft of items such as equipment and personal belongings, and liability for bodily injury and property damage that occur while the subscriber is engaged in the sport or hobby that is the subject of the insurance, based on information obtained from the information terminal 101, and determines the insurance premium from the estimated amount.

[0031] In the case of insurance services targeting specific sports or hobbies, the probability of an event covered by the insurance occurring varies depending on the policyholder's years of experience and skills. For this reason, it is preferable to calculate insurance premiums by evaluating each policyholder's individual condition, including their career and skills. However, self-reporting of each policyholder's career and skill level can lack objectivity, and there are no standards for evaluating career and skill in the first place. For this reason, many traditional short-term insurance services have set a flat insurance amount regardless of differences in each policyholder's career and skill level.

[0032] If all insureds were to pay a flat premium, it would be unfair because insureds with extensive experience and high skill levels would have premiums that were too high, even though the probability of an event covered by the insurance occurring would be low, and beginners and insureds with insufficient skill levels would have premiums that were too low, even though the probability of an event covered by the insurance occurring would be high. Furthermore, because many sports are played in natural environments, they are easily affected by the actual competition environment, such as location and weather, and even insureds with the same experience and skill level will have a variable probability of an event covered by the insurance occurring depending on the competition environment. Of course, even insureds with the same experience and skill level will have a variable probability of an event covered by the insurance occurring depending on the insured's health condition on the day of the competition and the competition environment.

[0033] In contrast, when the information processing system 100 according to the present disclosure is applied to short-term insurance services such as mountaineering insurance or golf insurance, it calculates an appropriate and fair insurance premium by taking into consideration not only the information declared by the subscriber when signing up for the insurance, but also the subscriber's history and skills in sports competitions such as mountaineering or golf, the subscriber's health condition on the day of the sport such as mountaineering or golf, and the environment in which the sport will be played.

[0034] That is, in the information processing system 100 of the present disclosure, when a subscriber uses his / her information terminal 101 to apply for insurance, the information processing device 102 calculates a first insurance premium based on first information obtained from the information terminal 101, and further calculates a second insurance premium based on second information obtained through the subscriber's information terminal 101, etc. while the subscriber is engaged in activities related to sports or hobbies that are covered by the insurance during the insurance application period, and the sum of the first insurance premium and the second insurance premium is the subscriber's insurance premium.

[0035] Here, the first information and the second information each include information entered by the subscriber on the touch panel or voice input into his / her information terminal 101, as well as sensor information from sensors within the information terminal 101 and IoT devices around the information terminal 101.

[0036] The first information mainly includes subscriber information identifying the subscriber, such as the subscriber's name, gender, age, occupation, and address; the type of insurance (e.g., the sports or hobbies covered by the insurance); insurance terms such as the amount of compensation; and the subscriber's self-reported health condition, career history, and skill level in the relevant sports. The subscriber's career history and skill level may be character or numeric information self-reported by the subscriber on the touch panel, or may be information on the career history and skill level estimated based on the analysis of sensor information acquired using a sensor or IoT device in the information terminal 101. For example, the subscriber's skill level estimated from sensor information by an application that analyzes sensor information from a sensor or IoT device in the information terminal 101 may be used as the first information. The first information may also include forecast information for the insurance coverage period. For example, the first information may include information on the location where the sports or hobbies covered by the insurance are played, and forecast information on the weather and other environments. The first information may also include forecast information such as location information and weather forecasts acquired via web access.

[0037] The second information may be information about the insured person's health condition, or information about the weather and other environmental conditions at the location where the sport or hobby covered by the insurance is played, acquired using a sensor or IoT device in the information terminal 101 during the insurance coverage period (for example, while mountain climbing or playing golf). For example, the second information may be information about the insured person's condition estimated from sensor information by an application that analyzes sensor information from a sensor or IoT device in the information terminal 101. The second information may also include information about the location of the insurance coverage period or weather information acquired by web access.

[0038] The information processing device 102 calculates a first insurance premium based on first information acquired from the subscriber's information terminal 101, mainly during the insurance application process. In the present disclosure, the information processing device 102 estimates the probability of an event covered by the insurance occurring for a person having attribute information, such as the subscriber's gender, age, and occupation, acquired from the information terminal 101 when applying for insurance, and calculates a flat base insurance premium for all people with the same attribute information. In addition, in the present disclosure, the information processing device 102 calculates an individual insurance premium for each subscriber, taking into account fluctuations in the probability of an event covered by the insurance occurring depending on the subscriber's health condition, career history, and skill level, which are included in the first information. The information processing device 102 may also calculate an individual insurance premium for each subscriber, taking into account information about the location where the subscriber plays the sports or hobbies covered by the insurance, as well as forecast information about the weather and other environments. The information processing device 102 then determines the first insurance premium by adding the individual insurance premium for each subscriber to the flat base insurance premium.

[0039] Furthermore, the information processing device 102 calculates a second insurance premium based on second information acquired from the subscriber's information terminal 101 during the insurance coverage period. In the present disclosure, the information processing device 102 re-estimates the probability of an event covered by the insurance occurring based on information about the subscriber's health condition and information about the weather and other environments in the location where the sports or hobbies covered by the insurance are played, acquired from the information terminal 101 during the insurance coverage period, and calculates changes to the base insurance premium and individual insurance premium according to the subscriber's health condition and the playing environment. The information processing device 102 then sums the changes to the base insurance premium and individual insurance premium calculated as the second insurance premium to the base insurance premium and individual insurance premium calculated as the first insurance premium, to determine the subscriber's final insurance premium.

[0040] The information processing device 102 transmits the finally determined insurance premium to the information terminal 101 of the relevant subscriber. The information terminal 101 presents the received insurance premium to the subscriber, for example, using a display. The subscriber may carry out the payment procedure directly on the screen of the information terminal 101 where the insurance premium was presented.

[0041] B. System Operation 2 shows an example of a processing sequence when an online insurance service is implemented on the information processing system 100. The online insurance service is assumed to be a short-term insurance service targeted at specific sports or hobbies.

[0042] The subscriber uses his / her information terminal 101 to access the online insurance service site operated by the information processing device 102 (SEQ201). In response, the information processing device 102 returns a form for applying for subscription to the online insurance service to the information terminal 101 (SEQ202).

[0043] The information terminal 101 displays the received form on its screen, and the subscriber inputs the first information (SEQ203). The first information includes subscriber information that identifies the subscriber, such as the subscriber's name, gender, age, occupation, and address, as well as information such as the selected type of insurance and insurance conditions. Furthermore, the subscriber also inputs into the form using the information terminal 101 the background and skill level of the sports and hobbies that are the subject of the insurance.

[0044] Regarding the subscriber's career history and skill level, the subscriber may use a touch panel to input information such as the number of years of experience or letters and numbers indicating the skill level, such as "high," "medium," or "low." Alternatively, the career history and skill level may be estimated based on the results of analyzing sensor information obtained by capturing the subscriber's behavior using sensors in the information terminal 101 or surrounding IoT devices.

[0045] The first information may also include forecast information for the short-term insurance coverage period. For example, the first information may include information about the location where the sport or hobby covered by the insurance will be held, or forecast information about the weather and other environments. The forecast information may be manually entered into a form by the policyholder, or the information terminal 101 may access a weather forecast site or the like via the web to obtain the information and automatically enter it into the form.

[0046] When the information terminal 101 has completed filling out the application form, it returns the application form to the information processing device 102 and applies for subscription to the insurance service (SEQ204). Therefore, the information processing device 102 can obtain the first information of the subscriber from the information terminal 101 in the form of receiving the application form.

[0047] The information processing device 102 calculates a first insurance premium based on first information acquired from the subscriber's information terminal 101, mainly during the insurance application process (SEQ205). The information processing device 102 estimates the probability of an event covered by the insurance occurring for a person having the subscriber's attribute information, such as the subscriber's gender, age, and occupation, acquired from the information terminal 101 when applying for insurance, and calculates a flat base insurance premium for all people with the same attribute information. In addition, in the present disclosure, the information processing device 102 calculates an individual insurance premium for each subscriber, taking into account fluctuations in the probability of an event covered by the insurance occurring depending on the subscriber's health condition, career history, and skill level, which are included in the first information. The information processing device 102 may also calculate an individual insurance premium for each subscriber, taking into account information about the location where the subscriber plays the sports or hobbies covered by the insurance, as well as forecast information about the weather and other environments. The information processing device 102 then determines the first insurance premium by adding the individual insurance premium for each subscriber to the flat base insurance premium.

[0048] After that, the policyholder enters the period of coverage for the insurance he or she has signed up for. The period of coverage for the insurance corresponds to, for example, the period of mountain climbing in the case of mountaineering insurance, or the period of playing golf in the case of golf insurance.

[0049] The information terminal 101 acquires the second information during the insurance coverage period (SEQ206) and transmits it to the information processing device 102 (SEQ207). In Fig. 2, for the sake of simplicity, the acquisition of the second information and transmission to the information processing device 102 are depicted only once, but the information terminal 101 may acquire the second information and transmit it to the information processing device 102 multiple times periodically or at any timing during the insurance coverage period.

[0050] The information terminal 101 uses sensors and IoT devices within the information terminal 101 to acquire second information, including information about the insured person's health condition and information about the weather and other environmental conditions at the location where the sport or hobby covered by the insurance is held. For example, the second information may be information about the insured person's condition estimated from sensor information by an application that analyzes sensor information from sensors and IoT devices within the information terminal 101. The second information may also include information about the location of the insurance and weather information during the insurance coverage period, which is acquired by web access.

[0051] The information processing device 102 calculates a second insurance premium based on second information acquired from the subscriber's information terminal 101 during the insurance coverage period (SEQ208). That is, the information processing device 102 re-estimates the probability of an event covered by the insurance occurring based on information acquired from the information terminal 101 during the insurance coverage period regarding the subscriber's health condition and information regarding the weather and other environments at the location where the sports or hobbies covered by the insurance are played, and calculates changes to the base insurance premium and individual insurance premium according to the subscriber's health condition and the playing environment. The information processing device 102 then sums the changes to the base insurance premium and individual insurance premium calculated as the second insurance premium to the base insurance premium and individual insurance premium calculated as the first insurance premium, thereby determining the subscriber's final insurance premium.

[0052] When the insurance coverage period has elapsed, the information processing device 102 transmits the final insurance premium to the information terminal 101 of the relevant subscriber (SEQ209).

[0053] The information terminal 101 presents the final insurance premium received from the information processing device 102 to the subscriber, for example, using a display (SEQ210). The subscriber may then carry out the payment procedure directly on the screen of the information terminal 101 where the insurance premium was presented.

[0054] 2, the insurance premium determination process performed by the information processing device 102 can also be executed by an insurance application running on the information terminal 101. In this case, the entire process sequence shown in FIG. 2 is executed within the information terminal 101.

[0055] C. Equipment configuration 3 shows an example of the configuration of the information processing device 102. The information processing device 102 is, for example, a server device installed on the Internet 103.

[0056] The information processing device 102 operates under the overall control of a CPU (Central Processing Unit) 301. In the illustrated example, the CPU 301 has a multi-core configuration including a processor core 301A and a processor core 301B. The CPU 301 is interconnected with each component within the information processing device 102 via a bus 310.

[0057] The storage device 320 is configured with a large capacity external storage device such as a hard disk drive (HDD) or a solid state drive (SSD), and stores files such as programs executed by the CPU 301 and data used during the execution of the programs or generated by executing the programs. The CPU 301 executes, for example, a program for sending an insurance application form to the information terminal 101, a program for processing the application form returned from the information terminal 101, a program for calculating a first insurance premium based on first information acquired from the information terminal 101, a program for calculating a second insurance premium based on second information acquired from the information terminal 101, a program for adding up the first insurance premium and the second insurance premium, presenting the final premium to the information terminal 101, and a program for completing the insurance application procedure.

[0058] The process of calculating the first insurance premium based on the first information may use a deep-learned learning model to predict the probability of an insured event occurring to the policyholder from the first information and calculate the first insurance premium. The process of calculating the second insurance premium based on the second information may use a deep-learned learning model to predict the probability of an insured event occurring to the policyholder within the insurance coverage period from the second information and calculate the second insurance premium. The storage device 320 may store model information for these deep-learned learning models. The processor core 301A or 301B of the CPU 301 may calculate the first insurance premium and the second insurance premium using the deep-learned learning model based on the model information read from the storage device 320.

[0059] The storage device 320 also stores health information, insurance history information, and other personal information of each subscriber of the insurance service.

[0060] The memory 321 is composed of a ROM (Read Only Memory) and a RAM (Random Access Memory). The ROM stores, for example, a startup program and a basic input / output program for the information processing device 102. The RAM is used to load programs to be executed by the CPU 301 and to temporarily store data used during program execution.

[0061] The display unit 322 is configured with, for example, a liquid crystal display or an organic EL (Electro Luminescence) display. The display unit 322 displays data and execution results while the CPU 301 is executing a program. For example, the display unit 322 displays a completed application form received from the information terminal 101, a first insurance premium calculated based on first information acquired from the information terminal 101, a second insurance premium calculated based on second information acquired from the information terminal 101 during the insurance coverage period, a final insurance premium obtained by adding up the first insurance premium and the second insurance premium, a confirmation screen for the insurance enrollment procedure via the information terminal 101, and the like.

[0062] The input / output interface unit 330 exchanges data with external devices, such as input devices such as a keyboard and a mouse, and output devices such as a speaker.

[0063] The network input / output unit 350 performs input / output processing between the information processing device 102 and the Internet 103. In this embodiment, the network input / output unit 350 performs processing such as sending an application form to and from each of the information terminals 101-1, 101-2, 101-3, ..., receiving a completed application form, sending the final insurance premium, and transmitting and receiving information for insurance application procedures.

[0064] 4 shows an example of the configuration of the information terminal 101. The information terminal 101 is a multi-functional information terminal such as a smartphone or tablet used by an insurance policyholder, and is configured by connecting a display unit 420, an audio processing unit 430, a communication unit 440, a memory unit 450, an imaging unit 460, a sensor unit 470, etc. to a control unit 410.

[0065] The control unit 410 is configured with a CPU 411, a ROM 412, a RAM 413, etc. The ROM 412 stores programs executed by the CPU 411 and information essential for the information terminal 102. The CPU 411 may have a multi-core configuration.

[0066] The CPU 411 loads program code from the ROM 412 or the storage unit 450 into the RAM 413 and executes it. Examples of programs executed by the CPU 411 include operating systems (OS) such as Android and iOS, and various application programs that run in the execution environment provided by the OS. The application programs referred to here are so-called smartphone apps. Examples of smartphone apps include communication apps for communicating with external devices such as telephone, camera, email, schedule, and information processing device 102, and web apps for web access.

[0067] Furthermore, in this embodiment, the CPU 411 may execute an "insurance application (tentative name)" that performs insurance application procedures on the information processing device 102. The insurance application accesses the information processing device 102 to display an insurance application form, generates first information and second information based on sensor information acquired from the sensor unit 470 or an IoT device in the information terminal 101 and information acquired through a web application, imports the first information into the application form and transmits it to the information processing device 102, transmits the second information to the information processing device 102 during the insurance coverage period, presents the final insurance premium received from the information processing device 102, and performs procedures for paying the insurance premium. Note that the insurance application executed on the information terminal 101, rather than the information processing device 102, may also perform insurance premium calculation processing.

[0068] Display unit 420 includes display panel 121 made of a liquid crystal element, an organic EL element, or the like, and a transparent touch panel 423 attached to the upper surface of this display panel 421. Display panel 421 is connected to control unit 410 via a display interface 422, and displays and outputs image information generated by control unit 410. Touch panel 423 is also connected to control unit 410 via a touch interface 424, and outputs coordinate information of a position operated by a user with a fingertip on display panel 421 to control unit 410. Control unit 410 detects a touch operation (tap, long press, flick, swipe, etc.) by the user based on the coordinate information input on touch panel 423, and starts processing corresponding to the user operation.

[0069] The audio processing unit 430 includes an audio output unit 431 such as a speaker, an audio input unit 432 such as a microphone, and an audio codec (CODEC) 433 that encodes and decodes input and output audio signals. The audio processing unit 430 may further include an audio output terminal 434 for outputting audio signals to headphones (not shown).

[0070] The communication unit 440 performs communication processing of information between an application executed by the control unit 410 and an external device such as the information processing device 102. The communication unit 440 is equipped with a physical layer module such as an LTE (Long Term Evolution) communication unit 441, a Wi-Fi (registered trademark) communication unit 442, a BLE (Bluetooth (registered trademark) Low Energy) communication unit 443, or an NFC (Near Field Communication) depending on the communication medium used, and performs modulation / demodulation processing and encoding / decoding processing of communication signals transmitted and received via the physical layer module. In this embodiment, it is assumed that the information terminal 101 communicates with IoT devices in the vicinity thereof and acquires sensor information from the IoT devices using short-range or proximity communication such as Wi-Fi (registered trademark), BLE, or NFC.

[0071] The storage unit 450 is formed of a large-capacity storage device such as an SSD, HDD, etc. For example, application programs and content downloaded via the communication unit 440, image data such as still images and videos captured by the imaging unit 460, etc. are stored in the storage unit 450.

[0072] The imaging unit 460 includes an image sensor such as a CMOS (Complementary Metal Oxyde Semiconductor) or a CCD (Charge Compliant Device), and outputs image data such as captured photos and videos to the control unit 410 via a camera interface (not shown).

[0073] Sensor unit 470 includes a GPS (Global Positioning System) sensor for acquiring location information of information terminal 101, a gyro sensor for detecting the attitude of the main body of information terminal 101 and an acceleration sensor for detecting the force acting on the main body of information terminal 101. Sensor unit 470 may also include biosensors such as a pulse sensor and a sweat sensor for monitoring the health state of the subscriber carrying information terminal 101, and environmental sensors such as a temperature sensor, humidity sensor, wind speed sensor, and illuminance sensor for monitoring the surrounding environment. [Example]

[0074] D. Examples of mountain insurance application Mountaineering insurance is insurance that covers the huge search costs incurred if the insured person becomes lost while climbing a mountain, as well as injuries to the insured person while climbing a mountain, theft of items such as equipment and personal belongings, and liability for bodily injury and property damage. The information processing system 100 according to the present disclosure determines an appropriate and fair insurance premium by taking into consideration the condition of the insured person and all members of the climbing party, the mountain environment, etc., as the coverage period for the insurance.

[0075] D-1. Factors that determine insurance premiums The factors that determine mountaineering insurance premiums can be broadly divided into two types: static factors and dynamic factors. Static factors are factors that do not change during mountaineering, while dynamic factors are factors that change during mountaineering. Static factors are factors that can be determined in advance before mountaineering and can be entered, for example, in a mountaineering insurance application form. On the other hand, dynamic factors are detected by detecting changes that occur from moment to moment using sensors or IoT devices within the information terminal 101. In the information processing system 100 according to the present disclosure, static factors may be treated as first information and dynamic elements as second information. Of course, at least some of the static factors may be treated as being included in the second information. Examples of static and dynamic elements are given below.

[0076] (1) Static element Static factors that determine mountaineering insurance premiums include the location of the climb (domestic or overseas), the style of climbing (mountaineering, climbing, etc.) or the risk level of the climb, the climbing plan (number of nights, season (winter mountain, summer mountain, etc.)), the purpose of the climb (ski mountaineering, etc.), and the climbing equipment used. Additionally, static factors related to the insured person include the climbing skills of the insured person or each member of the climbing party in which the insured participates. Climbing skills include climbing experience (years of climbing experience, number of climbs, names of routes climbed, etc.).

[0077] (2) Dynamic Elements Dynamic factors that determine mountaineering insurance premiums include the health status of the insured or each member of the insured's climbing party during the climb, and the climbing environment, such as the weather and mountain conditions. Dynamic factors that determine mountaineering insurance premiums are basically detected using sensors and IoT devices within the information terminal 101. The health status refers to the subject's physical condition and physical strength. For example, the subject's physical condition and physical strength can be expressed numerically using biometric information such as blood oxygen concentration, sweating, water intake, and calories burned. The subject's physical condition and physical strength can also be estimated based on the delay relative to the journey (average travel time). Weather information includes information such as actual temperature, wind speed, precipitation, and amount of sunshine. Weather information may be directly detected using sensors and IoT devices within the information terminal 101 or obtained via web access to a weather website. The mountain conditions refer to the difficulty of the climbing course, the condition of the trail (e.g., wetness), and the condition of the snow surface (e.g., icy, fresh snow, snow cover, etc.). The condition of the mountain trail and the snow surface may be detected using sensors or IoT devices within the information terminal 101, or may be visually confirmed by the subscriber himself / herself.

[0078] D-2. Examples of sensors Of the factors that determine mountain insurance premiums explained in section D-1 above, sensors are used to obtain mainly dynamic factors. The sensors are configured from sensors in the information terminal 101, IoT devices, etc. In this section, examples of sensors that are preferably used when the information processing system 100 according to the present disclosure is applied to mountain insurance will be explained.

[0079] The sensor unit 470 in the information terminal 101 may include biosensors such as a pulse sensor or a sweat sensor for monitoring the health condition of the subscriber carrying the information terminal 101, and environmental sensors such as a temperature sensor, humidity sensor, wind speed sensor, and illuminance sensor for monitoring the surrounding environment (as described above). The information terminal 101 may also acquire sensor information related to dynamic elements of mountain climbing from surrounding IoT devices through short-range communication or proximity communication. The IoT devices may be wearable devices (watches, shoes, glasses, etc.) that the subscriber wears while climbing, or devices (such as Stevenson screens) installed along the mountain insurance route. Examples of sensors useful for measuring dynamic elements of mountain climbing and the items that can be measured by each sensor are given below.

[0080] (1) Smartwatch The watch takes advantage of the direct contact with the skin on the wrist and is equipped with a biometric sensor to measure the following items, including the subscriber's biometric information: GPS or location information Blood oxygen levels Activity level (calories burned) Heart rate, pulse wave, body temperature, blood pressure, sweating Distance traveled, steps taken ·Height difference

[0081] (2) Weather sensor Temperature, humidity, light intensity, wind speed, rainfall, snowfall, frost

[0082] (3) Shoe sensor The shoe sensor is composed of an IMU (Inertial Measurement Unit) and a sole pressure sensor attached to hiking boots, and measures the following items: -Shifting center of gravity, impact when landing, slipping, weight change - Stride length, number of steps, distance traveled

[0083] (4) Smart glasses or goggles Smart glasses or goggles are eyeglasses worn on the head or at eye level, and have the advantage of being equipped with sensors that enable highly sensitive measurements and reception of radio waves, as well as being equipped with cameras that capture images of the wearer's field of vision and collect various information through image analysis.Smart glasses or goggles measure the following items: GPS or location information - Image recognition-based information on trail conditions, rainfall, snowfall, and frost conditions Weather analysis using aerial images

[0084] Note that some of the sensor types and items measured by each sensor listed in (1) to (4) above may overlap with those of the sensor unit 470 equipped in the information terminal 101, and in such cases, the sensor information acquired from either may be used. Also, for some sensor information such as a weather sensor, information acquired from a website by the information terminal 101 or the information processing device 102 may be used instead of directly measured sensor information.

[0085] D-3. Mountain Insurance Composition If you are climbing alone, the total amount of mountaineering insurance premiums is determined based on the conditions of the insured person alone. On the other hand, if you are climbing in a party, the premiums consist of a base premium that is the same for all members of the climbing party, and an individual premium determined for each member, and the mountaineering insurance premium for each member is determined by the sum of the base premium and the individual premium.

[0086] In the above sections A and B, it was explained that in the information processing system 100 according to the present disclosure, when a subscriber applies for insurance using his / her own information terminal 101, a first insurance premium is calculated based on first information acquired from the information terminal 101, and a second insurance premium is calculated based on second information acquired through the subscriber's information terminal 101 or the like while the subscriber is engaged in an activity related to a sport or hobby that is covered by the insurance during the insurance application period, and the subscriber's insurance premium is determined as the sum of the first insurance premium and the second insurance premium. The base insurance premium and individual insurance premium for mountaineering insurance each include a first insurance premium determined based on the details entered in the application form at the time of insurance application, and a second insurance premium determined based on the conditions obtained during mountain climbing (the condition of each member, the weather, and other environmental conditions).

[0087] 5 is a diagram showing an example of the structure of mountaineering insurance premiums 500 for a group mountain climbing trip. As described above, mountaineering insurance premiums 500 are made up of base insurance premiums 510 and individual insurance premiums 520.

[0088] The first insurance premium 511 of the base insurance premium 510 is determined by comprehensively evaluating the climbing history and climbing skill level of each member of the climbing party. Also, the first insurance premium 521 of the individual insurance premium 520 is determined by evaluating the individual condition of each member, such as their health condition.

[0089] The second insurance premium 512 of the base insurance premium 510 is calculated from the group risk of the entire party evaluated based on the condition of each member of the party sensed during the climb. Also, the second insurance premium 522 of the individual insurance premium 520 is calculated from the individual risk evaluated based on the health condition and environment (weather, climbing course conditions, etc.) of each member sensed during the climb.

[0090] The base insurance premium 510 is a premium that is charged uniformly to all members of a climbing party when they sign up for mountaineering insurance, while the individual insurance premium 520 may be an option that can be selected arbitrarily by each member.

[0091] D-4. Use Case Examples In this section, a use case in which the information processing system 100 according to the present disclosure is applied to a mountaineering insurance service will be described, divided into the phases before, during, and after climbing.

[0092] D-4-1. Before climbing FIG. 6 shows in the form of a flowchart the procedure carried out by the information processing system 100 before climbing a mountain or when purchasing mountaineering insurance.

[0093] First, the leader of the mountain climbing party prepares a mountain climbing notification on behalf of the group and also carries out procedures to subscribe to mountain climbing insurance (step S601).

[0094] In the mountaineering insurance application process, the leader accesses the information processing device 102 via the web using his / her own information terminal 101 and applies to apply for mountaineering insurance. In response, the information processing device 102 sends back a mountaineering insurance application guide. The leader then sends the application guide to each member of the mountaineering party by email or the like. Each member transforms into the leader by filling in their name, gender, age, occupation, address, mountaineering experience, and mountaineering skill level. The leader then compiles the information of each member and sends to the information processing device 102 an application for mountaineering insurance for the mountaineering party, including the climbing location (domestic or overseas), climbing style (climbing, climbing, etc.) or climbing risk level, climbing plan (number of nights, season (winter mountain, summer mountain, etc.)), purpose of climbing (ski mountaineering, etc.), etc.

[0095] The information processing device 102 can acquire first information about the mountain climbing party or each member through the membership application procedure from the leader's information terminal 101 (step S602). An example of the first information acquired in the membership application procedure for a mountain climbing party is given below.

[0096] From July 14th, a 2-night, 3-day trip from Mt. Yari to Mt. Okuhotaka, with camping. Mr. A (60 years old): A veteran with 20 years of mountaineering experience, he was the leader of this climb. Mr. B (40 years old, male): 10 years of mountaineering experience Mr. C (35 years old): 5 years of mountain climbing experience Weather forecast: Light rain, cloudy then sunny, sunny

[0097] Then, the information processing device 102 evaluates the collective risk of the entire mountain climbing party based on the mountain climbing history and skill level of all members of the mountain climbing party, the weather forecast for the mountain to be climbed, etc., and calculates a first insurance premium 511 of the base insurance premium 510. The information processing device 102 also evaluates the individual risk of each member based on the health condition of each member, etc., and calculates a first insurance premium 521 of the individual insurance premium 520 (step S603). For example, the base insurance premium for this mountain climbing insurance is 1,000 yen per person per day.

[0098] Next, the information processing device 102 presents a mountaineering insurance plan to be proposed to the mountaineering party, including information on the base insurance premium and individual insurance premium calculated in step S603 (step S604).

[0099] The method of presenting the mountain insurance plan is not particularly limited. The information processing device 102 may send the mountain insurance plan to the information terminal 101 of the leader by email, and the leader may then transfer the mountain insurance plan to the information terminals 101 of the other members, or the information processing device 102 may send the mountain insurance plan to the information terminals 101 of each member of the mountain climbing party. For example, the optional individual premium for each member of this mountain insurance may be set to 0 yen.

[0100] The leader of the mountain climbing party checks the details of the proposed mountain insurance plan on his / her own information terminal 101 and completes the enrollment procedure (step S605). The presented mountain insurance plan also includes information on the base insurance premium and individual insurance premium calculated based on information before the climb. If the mountain insurance is enrolled according to the presented plan, the information processing device 102 determines a uniform base insurance premium for all members, including the leader. In addition, the information processing device 102 determines the insurance premium for members who have selected the individual insurance option, which is the sum of the base insurance premium and individual insurance premium.

[0101] D-4-2. Climbing 7 shows in the form of a flowchart the procedure executed by the information processing system 100 while a mountain climbing party is climbing a mountain. Here, it is assumed that the mountain climbing party has taken out mountain climbing insurance through the procedure described in section D-4-1 above. In addition, the optional individual insurance premium for each member of the mountain climbing party is set to 0 yen.

[0102] The information processing device 102 acquires second information from the information terminal 101 or IoT device of the leader or each member of the mountain climbing party (step S701).

[0103] The second information includes environmental information such as the health condition of each member, the weather on the mountain during the climb, and the condition of the climbing course, detected by the sensor unit 470 or an IoT device in the information terminal 101. The information processing device 102 may obtain part of the second information, such as the weather and the condition of the climbing course, from a website rather than from the information terminal 101.

[0104] The information processing device 102 then comprehensively evaluates the group risk based on the condition of each member during the mountain climbing acquired as the second information, and calculates a second insurance premium 512 for the base insurance premium 510. The information processing device 102 also evaluates individual risk based on the health condition of each member during the mountain climbing, the weather on the mountain during the climbing, and the condition of the climbing course, and calculates a second insurance premium 522 for the individual insurance premium 520 (step S702).

[0105] Here, the second insurance premiums 512 and 522 are calculated as changes to the respective first insurance premiums 511 and 521 calculated before the mountain climb. For example, if the group risk increases due to worsening weather or the mountain climbing course than predicted before the mountain climb, the base insurance premium 510 will increase. The information processing device 102 calculates the second insurance premium 512, which is the increase in the base insurance premium 510 over the first insurance premium 511. Also, if a member's health condition deteriorates during the mountain climb, for example, due to altitude sickness, and the member's personal risk increases, the member's individual insurance premium will increase. The information processing device 102 calculates the second insurance premium, which is the increase in the member's individual insurance premium 520 over the first insurance premium 521.

[0106] Next, the information processing device 102 presents a review plan for the existing mountain insurance, including information on the increase or decrease in the base insurance premium and the individual insurance premium based on the second insurance premiums 512 and 522 calculated in step S702 (step S703).

[0107] The method of presenting the revised plan is not particularly limited. The information processing device 102 may send the revised plan by email to the information terminal 101 of the leader, and the leader may transfer the revised plan to the information terminals 101 of the other members, or the information processing device 102 may send the revised plan to the information terminals 101 of each member of the mountain climbing party.

[0108] The leader of the mountaineering party checks the contents of the proposed revised plan on his / her own information terminal 101 and carries out the procedure to change the mountaineering insurance he / she has subscribed to (step S704). The presented revised plan also includes information on the amount of change to the base insurance premium and individual insurance premium calculated based on the information before the mountaineering trip. When changing the mountaineering insurance in accordance with the presented revised plan, the information processing device 102 determines the amount of change to the base insurance premium for all members, including the leader. In addition, the information processing device 102 determines insurance premiums that are changed by the amount of change to the base insurance premium and the individual insurance premium for members who have selected the individual insurance option.

[0109] The information processing device 102 may acquire the second information and calculate the second insurance premium, i.e., review the mountaineering insurance premium, at predetermined time intervals, for example. For example, it may be performed once a day, or multiple times a day. Alternatively, it may be performed only once during the mountaineering insurance coverage period. Increasing the frequency of acquiring the second information and calculating the second insurance premium allows for a more appropriate and fair mountaineering insurance premium to be calculated, but the processing load on the information processing device 102 increases. In addition, reducing the frequency of acquiring the second information and calculating the second insurance premium allows for a lower processing load on the information processing device 102, but there is a risk that the mountaineering insurance premium charged to the mountaineering party will be inappropriate or unfair compared to the actual risk.

[0110] Below, we will explain an example use case where insurance premiums are reviewed for each day on a 2-night, 3-day mountain climbing course.

[0111] Day 1: The weather is slow to improve, and the rocky areas of Mt. Yari are wet. Because the risk of slipping is slightly higher, the revised plan adds 500 yen to the personal insurance premium of Mr. B, who is wearing old hiking boots (the information processing device 102 calculates +500 yen as Mr. B's second insurance premium 522). Day 2: As C's average blood oxygen concentration last night had decreased, the possibility of him suffering from altitude sickness had increased, and therefore the revised plan added 300 yen to C's individual insurance premium (the information processing device 102 calculated +300 yen as C's second insurance premium 522). In addition to the increase in C's individual insurance premium, the revised plan also suggests that C take Diamox and drink plenty of water. Furthermore, although the risk for the entire mountain climbing party has increased, the revised plan does not change the base insurance premium (the information processing device 102 calculated 0 yen as C's second insurance premium 512 of the base insurance premium 510). Day 3: Based on second information such as sensor information from the information terminal 101 and IoT device of each member, weather forecast, and the remaining climbing course for the descent, a revised plan is proposed to return the mountaineering insurance premium to the original base premium (the information processing device 102 evaluates the remaining group risk and individual risk based on the second information and calculates 0 yen as the second insurance premium 512).

[0112] D-4-3. After climbing As explained in section D-4-1 above, before the climb, the base insurance premium for this mountaineering insurance was proposed to be 1,000 yen per person per day, and the climbing party took out mountaineering insurance under those conditions. Furthermore, as explained in section D-4-2 above, during the climb, based on the second information acquired from each member's information terminal 101, IoT device, website, etc., a 500 yen increase in B's personal insurance premium was proposed on the second day, and a 300 yen increase in C's personal insurance premium was proposed on the third day. Both B and C agreed to the increases in their personal insurance premiums. Furthermore, on the third day, it was proposed to return the base insurance premium to its original amount, and it was returned to its original amount. Figure 8 shows the changes in the insurance premiums of each member of the climbing party during the three-day, two-night climb. The final insurance premiums determined for each member A to C are as follows, as shown in Figure 8.

[0113] Person A: 3,000 yen Mr. B: 3,500 yen Mr. C: 3,300 yen

[0114] The information processing device 102 bills each of the members A to C for the finally determined mountain insurance premium. For example, the information processing device 102 sends an email to the information terminal 101 carried by each of the members A to C, presenting the finally determined mountain insurance premium. Each of the members A to C may simultaneously carry out the payment procedure for the mountain insurance premium on the screen on which their own mountain insurance premium is presented.

[0115] D-5.Functional configuration In this section, the functional configuration of the information processing device 102 for calculating the mountain insurance premiums subscribed to by a mountain climbing party will be explained, divided into a first insurance premium calculation before climbing and a second insurance premium calculation during climbing.

[0116] D-5-1. First insurance premium calculation The structure of mountaineering insurance premiums is as shown in Figure 5. Mountaineering insurance premium 500 consists of base insurance premium 510 and individual insurance premium 520. Base insurance premium 510 is a premium that is levied uniformly on all members of a mountaineering party, but is made up of first insurance premium 511 that is determined before the climb and second insurance premium 512 that is determined during the climb. Individual insurance premium 520 is a premium that is an individual option for each member of a mountaineering party, but is made up of first insurance premium 521 that is determined before the climb and second insurance premium 522 that is determined during the climb.

[0117] FIG. 9 shows an example of a functional configuration for the information processing device 102 to calculate a first insurance premium for mountain insurance. The information processing device 102 includes a base insurance premium calculation unit 901 and an individual insurance premium calculation unit 902 to calculate the first insurance premium of the mountain insurance premium. The base insurance premium calculation unit 901 calculates a first insurance premium 511 of the base insurance premium 510, and the individual insurance premium calculation unit 902 calculates a first insurance premium 521 of the individual insurance premium 520. In the system configuration example shown in FIGS. 1 and 2, the base insurance premium calculation unit 901 and the individual insurance premium calculation unit 902 are disposed within the information processing device 102. However, when an insurance app executed on the information terminal 101 performs calculation processing of the mountain insurance premium, the base insurance premium calculation unit 901 and the individual insurance premium calculation unit 902 are implemented as functional modules of the insurance app, respectively. A method for calculating the first insurance premiums 511 and 512 will be described in detail with reference to FIG. 9.

[0118] The leader of a mountain climbing party compiles mountain information 921 about the mountain they are planning to climb, mountain climbing information 922, and group composition information 923 to create a mountain climbing notification 911. The mountain information 921 is information about the mountain to be climbed. Detailed information about the mountain can also be collected from a website, and the mountain information 921 may only be information that can identify the mountain, such as the mountain name. The mountain climbing information 922 includes information about the mountain climbing plan, such as the climbing style, climbing date, number of nights, and purpose of the climb. The group composition information 923 includes personal information about each member of the mountain climbing party, such as the gender and age. The leader of the mountain climbing party uses his or her information terminal 101 to send an application for mountain insurance in accordance with the details of the mountain climbing notification 911 to the information processing device 102.

[0119] In addition to the mountain climbing notification 911 (or a mountain insurance application form in accordance with the contents of the mountain climbing notification 911), the base insurance premium calculation unit 901 collects first information including a weather forecast 912 for the day of the planned mountain climbing and personal mountain climbing history and technical information 913 including the climbing history and skill level of each member of the mountain climbing party. The weather forecast 912 may be obtained from a website. The base insurance premium calculation unit 901 then evaluates the group risk of the mountain climbing party from the collected first information and calculates a first premium 511 of the base insurance premium 510 based on the evaluated group risk.

[0120] The individual insurance premium calculation unit 902 calculates the first insurance premium 521 of the individual insurance premium 520 for each member based on the first information for each member, which consists of health information 914 and insurance history information 915 for each member in the mountain climbing party. The health information, insurance history information, and other personal information of members who have already enrolled are stored in the storage device 320.

[0121] Then, the information processing device 102 presents to the climbing party a mountain insurance plan including information on the first insurance premium 511 of the base insurance premium 510 calculated by the base insurance premium calculation unit 901 and the first insurance premium 521 of the individual insurance premium 520 calculated by the individual insurance premium calculation unit 902. The method of presenting the mountain insurance plan is not particularly limited. The information processing device 102 may send the mountain insurance plan to the information terminal 101 of the leader by email, and the leader may transfer the mountain insurance plan to the information terminals 101 of the other members.

[0122] D-5-2. Second insurance premium calculation As shown in Figure 5, the second insurance premium for mountaineering insurance 500 consists of a second insurance premium 512 for base insurance premium 510 and a second insurance premium 522 for individual insurance premium 520. The second insurance premium 512 for base insurance premium 510 is a change that occurs during mountaineering to the first insurance premium 511 for base insurance premium 510, which was calculated before the climb. Also, the second insurance premium 522 for individual insurance premium 520 is a change that occurs during mountaineering to the first insurance premium 521 for individual insurance premium 520, which was calculated before the climb.

[0123] 10 shows an example of the functional configuration for calculating the second premium of mountain insurance by the information processing device 102. The information processing device 102 includes a group risk assessment unit 1001, a base premium change unit 1002, an individual risk assessment unit 1003, and an individual premium change unit 1004 in order to calculate the second premium of the mountain insurance premium.

[0124] The group risk assessment unit 1001 assesses the group risk of the entire climbing party during a climb based on the details of the current base insurance (increase in insurance premium) and the status of each member of the climbing party (risk of each member). The status of each member can be collected, for example, from the information terminal 101 or IoT device operated by each member. The group risk assessment unit 1001 may assess the group risk using a deep learning model.

[0125] The base insurance premium change unit 1002 calculates a second insurance premium 512, which is a change that occurs during mountain climbing to a first insurance premium 511 of the base insurance premium 510 calculated before mountain climbing, based on the results of the group risk evaluation. The base insurance premium change unit 1002 may calculate the second insurance premium 512 using a deep learning model.

[0126] The individual risk assessment unit 1003 assesses the individual risk of suffering damage such as injury for each member based on the health condition of each member during the climb, the weather on the mountain during the climb, and the condition of the climbing course during the climb. The individual risk assessment unit 1003 may use a deep learning model to assess the individual risk during the climb.

[0127] The information processing device 102 also includes a health condition prediction unit 1005 that predicts the health condition of each member, a weather information prediction unit 1006 that predicts the weather on the mountain climbing course, and a course condition prediction unit 1007 that predicts the condition of the mountain climbing course, in order to predict the health condition of each member during the climb, which are necessary for assessing personal risk, based on sensor information from the information terminal 101 and IoT devices carried by each member.

[0128] The personal insurance premium change unit 1004 calculates a second insurance premium 522, which is a change that occurs due to a change in risk during mountain climbing in the first insurance premium 521 of the personal insurance premium 520 calculated at the time of taking out the insurance or before mountain climbing, based on the evaluation result of the personal risk by the personal risk evaluation unit 1003. The personal insurance premium change unit 1004 may calculate the second insurance premium 522 using a deep learning model.

[0129] The information processing device 102 is equipped with a proposal presentation unit 1008 that proposes a mountaineering insurance review plan to the mountaineering party based on the second premium 512 of the base premium 510 calculated by the base premium change unit 1002 and the second premium 522 of the individual premium 520 calculated by the individual premium change unit 1004, and an information sharing unit 1009 for sharing information regarding the mountaineering insurance review among the members of the mountaineering party. The proposal presentation unit 1008 notifies the information terminal 101 of the leader of the mountaineering party of the mountaineering insurance review plan by sending an email, for example. The information sharing unit 1009 also notifies each member of the mountaineering insurance review plan by sending an email, for example.

[0130] The leader of the mountain climbing party gathers opinions within the mountain climbing party regarding changes to the base insurance premium and changes to the individual insurance premiums of each member, and requests an update of the insurance coverage from his / her information terminal 101 to the information processing device 102. In response to the request to update the insurance coverage from the information terminal 101, the information processing device 102 updates the individual insurance premiums 1010 of each member and also updates the base insurance premium 1011.

[0131] 10 may be located on the information terminal 101 carried by the subscriber (such as the leader of a mountain climbing party) rather than on the information processing device 102. For example, the functions of at least some of the functional modules 1001 to 1009 may be realized as the operation of an insurance app started on the information terminal 101.

[0132] Next, the prediction units 1005 to 1007 for evaluating personal risks during mountain climbing will be described.

[0133] Each of the prediction units 1005 to 1007 makes a prediction based on sensor information from the sensor unit 470 or IoT device in the information terminal 101, or information acquired from a website. The IoT device may be a smart watch, smart glasses or goggles, or a shoe sensor. For details about the sensor information measured by each IoT device, see section D-2 above. Essentially, each of the prediction units 1005 to 1007 uses the sensor information from the sensor unit 470 or IoT device in the information terminal 101, or information acquired from a website, as explanatory variables, and performs processing to calculate a desired objective variable from the explanatory variables based on the respective prediction model.

[0134] The health condition prediction unit 1005 predicts the health condition of each member based on sensor information from the sensor unit 470 in the information terminal 101 and IoT devices. The health condition prediction unit 1005 uses the health condition, expressed as a value between 0.0 and 1.0, as a dependent variable, and calculates the dependent variable using a prediction model based on logistic regression from explanatory variables including health information, activity information, and weather information. Details of the dependent variable, explanatory variables, and prediction model in the health condition prediction unit 1005 are shown in FIG. 11. Among the explanatory variables, health information includes body temperature, heart rate or pulse wave, electrocardiogram, blood oxygen concentration, and sleep time. Among the explanatory variables, activity information includes travel distance, travel altitude or elevation difference, and total number of steps. Furthermore, among the explanatory variables, weather information includes temperature, humidity, wind speed, precipitation, UV radiation, and sunshine intensity. The logistic regression-based prediction model predicts health conditions by learning, for example, on the cloud using data collected from a large number of policyholders, and executing the generated prediction model.

[0135] The weather information prediction unit 1006 measures the current weather on the mountain climbing course based on sensor information from the sensor unit 470 and IoT devices in the information terminal 101. The weather information prediction unit 1006 also predicts the weather for the remaining mountain climbing course from the weather forecast obtained by web access to a weather forecast site.

[0136] The course condition prediction unit 1007 predicts the condition of the mountain climbing course based on sensor information from the sensor unit 470 in the information terminal 101 and IoT devices. The course condition prediction unit 1007 uses the type of mountain climbing course and its course condition as objective variables, and calculates the objective variables from explanatory variables consisting of images of the mountain climbing course, images of weather information, and moisture content using a prediction model based on a decision tree such as a random forest or an MLP (Multilayer Perceptron). Details of the objective variables, explanatory variables, and prediction model in the course condition prediction unit 1007 are shown in FIG. 12. The course type used as the objective variable includes dirt, boardwalk, stairs, rocky areas, and chain sections. The course condition for each course type is expressed as dry, wet, or snowy. Among the explanatory variables, the image of the mountain climbing course is an image of the mountain climbing course taken with, for example, smart glasses, the image of the weather information is an image of the sky taken with smart glasses, and the moisture content is the moisture content measured by a moisture sensor attached to the soles of hiking boots. A predictive model based on random forest or MLP is trained on the cloud using data collected from a large number of policyholders, and the generated predictive model is executed to classify the condition of a mountain climbing course. The predictive model predicts the condition of a mountain climbing course each time the course type changes.

[0137] D-6. Examples of risk assessment and premium calculation Figure 13 shows the types of first information that the information processing system 100 acquires to calculate the first insurance premium for mountain insurance before climbing (for example, when a climbing party purchases mountain insurance), the method for acquiring each piece of information, and examples of input by each member A to C of the climbing party.

[0138] The mountain climbing difficulty level can be obtained from a web map based on the mountain information 921 (mountain name, etc.) entered in the mountain climbing notification 911, for example. The course difficulty level is automatically calculated by the mountain insurance service (or the information processing device 102) based on the climbing route entered in the mountain climbing notification 911, for example. The climbing style, members, and member skills can be obtained based on user input, such as when the leader of a climbing party declares them in the mountain climbing notification 911. The weather forecast for the climbing day of the relevant mountain can be obtained by web access to a weather forecast site, etc., based on the mountain information 921 and the climbing date entered in the mountain climbing notification 911.

[0139] Fig. 14 shows the types of second information that the information processing system 100 acquires during mountain climbing (or during the period of coverage of the mountain insurance purchased) to calculate the second insurance premium, the method of acquiring each piece of information, and examples of input for each member A to C of the mountain climbing party. Fig. 14 also shows the individual risk of each member, the collective risk of the mountain climbing party, the flat-rate base insurance change premium for all members of the mountain climbing party, and the change premium for the individual insurance premium for each member, all of which are evaluated based on the examples of input of the second information for each member A to C.

[0140] During mountain climbing, health information, weather information, and course conditions can be acquired as secondary information for each member from smart glasses, smart watches, shoe sensors, or other IoT devices. In the example shown in Fig. 14, the acquired health information, weather information, and course conditions are represented by scores normalized to values ​​between 0 and 1.0.

[0141] The information processing system 100 evaluates the collective risk of the entire mountain climbing party and the individual risk of each member based on first information acquired before climbing, as shown in Fig. 13. Furthermore, the information processing system 100 sequentially evaluates the collective risk of the entire mountain climbing party and the individual risk of each member during climbing, based on second information acquired during climbing, as shown in Fig. 14.

[0142] As explained in section D-4-2 above, the course condition score for Person B, who is wearing old hiking boots, drops to 0.6, and the health information score for Person C, whose average blood oxygen level has dropped, drops to 0.7. As a result, Person B's individual risk increases by 1.6 times, and Person C's individual risk increases by 1.5 times. Meanwhile, the group risk remains unchanged.

[0143] The information processing system 100 then calculates the change in the uniform base insurance premium for the entire mountain climbing party based on the evaluation results of the group risk for the entire mountain climbing party during the climb, and calculates the change in the individual insurance premium for each member based on the evaluation results of each member's individual risk during the climb, thereby determining the final mountain climbing insurance premium for each member.

[0144] Since the group risk does not change, the base premium will not change. Since Mr. B's personal risk has increased by 1.6 times, Mr. B's personal premium will be increased by 500 yen. Furthermore, since Mr. C's personal risk has increased by 1.5 times, Mr. C's personal premium will be increased by 300 yen.

[0145] The estimation of individual risk and group risk, and the review of base insurance premiums and individual insurance premiums may be performed by the mountain insurance service side (or the information processing device 102), or may be performed on the information terminal 101 of each member. [Example]

[0146] E. Examples of application to golf insurance Golf insurance provides coverage for injuries and illnesses (such as heat stroke) sustained by the policyholder while playing golf, damage to golf equipment such as clubs, theft of equipment and personal belongings, expenses for commemorative gifts and celebrations for hole-in-ones and albatrosses, and liability for bodily injury (to partners or players in the group ahead) and property damage.

[0147] E-1. Factors that determine insurance premiums The factors that determine the premiums for golf insurance can be broadly divided into two types: static factors and dynamic factors. Static factors are factors that do not change during play, while dynamic factors are factors that change during play. Static factors are factors that can be determined in advance before playing, and can be entered, for example, in a golf insurance application form. On the other hand, dynamic factors are detected by detecting changes that occur from moment to moment using sensors or IoT devices within the information terminal 101. In the information processing system 100 according to the present disclosure, static factors may be treated as first information, and dynamic elements may be treated as second information. Of course, at least a portion of the static elements may be included in and treated as the second information. Examples of static elements and dynamic elements are given below.

[0148] (1) Static element Static factors that determine golf insurance premiums include the name of the golf course, or characteristics of the golf course (course classification (mountain course, hilly course, forest course, etc.), course difficulty, course characteristics), and golf equipment used. Static factors related to the insured include the insured's skill and golf history. Golf skill can be indicated by swing level. Swing level can be expressed using numerical values ​​for factors such as slicing, duffing, hooking, directionality, hit rate, and tempo. Golf history can also be indicated by past scores, score average, and handicap, rather than simply the number of years playing.

[0149] (2) Dynamic Elements Dynamic factors that determine golf insurance premiums include the insured's health condition while playing, the condition of the golf course, the weather on the golf course, and other factors related to the playing environment. The dynamic factors that determine golf insurance premiums are basically detected using sensors in the information terminal 101, IoT devices, and the like. The health condition refers to the physical condition and stamina of the insured playing golf. The health condition is affected by, for example, the amount of sleep the previous day, the start time of play, the weather, the temperature during play, wind speed, rainfall, and the amount of sunshine. The condition of the golf course includes the condition of the turf on the day of play (wet, dry, strong turf, etc.). Course difficulty and course characteristics may also be treated as dynamic factors. Course characteristics include, for example, information on the course shape (right dogleg (DL) or left dogleg, many or few short courses, many or few long courses, etc.).

[0150] E-2. Examples of sensors Of the factors that determine golf insurance premiums described in Section E-1 above, sensors are used to obtain mainly dynamic factors. The sensors are configured from sensors within the information terminal 101, IoT devices, etc. In this section, examples of sensors that are preferably used when the information processing system 100 according to the present disclosure is applied to golf insurance will be described.

[0151] The sensor unit 470 in the information terminal 101 may include biosensors such as a pulse sensor or a sweat sensor for monitoring the health of the subscriber carrying the information terminal 101, and environmental sensors such as a temperature sensor, humidity sensor, wind speed sensor, and illuminance sensor for monitoring the surrounding environment (as described above). The information terminal 101 may also acquire sensor information related to dynamic elements of golf play from surrounding IoT devices via short-range or proximity communication. The IoT devices may be wearable devices (such as watches, shoes, or glasses) worn by the subscriber while playing, or may be devices installed on the golf course (such as a Stevenson screen). Examples of sensors useful for measuring dynamic elements of golf insurance and the items that can be measured by each sensor are listed below.

[0152] (1) Smartwatch The watch takes advantage of the direct contact with the skin on the wrist and is equipped with a biometric sensor to measure the following items, including the subscriber's biometric information: GPS or location information Blood oxygen levels Activity level (calories burned) Heart rate, pulse wave, body temperature, blood pressure, sweating Distance traveled, steps taken ·Height difference

[0153] (2) Weather sensor Temperature, humidity, light intensity, wind speed Unlike mountain insurance, golf insurance does not require detection of the amount of rainfall, snowfall, or frost, assuming that golfers will not play in bad weather.

[0154] (3) Swing analysis sensor Swing analysis sensors visualize and quantify, for example, head speed, distance, and swing form. There are various types of swing analysis sensors, including those attached to the grip, wristwatch-type swing analysis sensors, and analysis software that analyzes swing form captured on a smartphone or other device. Swing analysis sensors are also divided into types used at driving ranges and types used on courses. Swing analysis sensors may be used at driving ranges to detect golf skills such as swing level as a static element. Furthermore, the results detected by using swing analysis sensors on courses may be used as dynamic elements.

[0155] (4) Score and course detection sensor For example, a golf GPS navigation system can be used to record course records, scores, and the actual position of the ball on the course.

[0156] (5) Shoe sensor The shoe sensor is attached to the golf shoes and consists of an IMU and a sole pressure sensor, and measures the following items: -Shifting center of gravity, impact when landing, slipping, weight change - Stride length, number of steps, distance traveled

[0157] Note that some of the sensor types and items measured by each sensor listed in (1) to (5) above may overlap with those of the sensor unit 470 equipped in the information terminal 101, and in such cases, the sensor information acquired from either may be used. Also, for some sensor information such as a weather sensor, information acquired from a website by the information terminal 101 or the information processing device 102 may be used instead of directly measured sensor information.

[0158] E-3. Composition of Golf Insurance Golf insurance consists of a base premium, which is determined by the insurance company as a fixed amount based on past data, and an individual premium, which is added to the base premium based on an evaluation of the individual's condition.The golf insurance premium is determined by the sum of the base premium and the individual premium.

[0159] In the above sections A and B, it was explained that in the information processing system 100 according to the present disclosure, when a subscriber applies for insurance using his / her information terminal 101, a first insurance premium is calculated based on first information acquired from the information terminal 101, and a second insurance premium is calculated based on second information acquired through the subscriber's information terminal 101 or the like while the subscriber is engaged in an activity covered by the insurance during the insurance coverage period, and the sum of the first insurance premium and the second insurance premium is determined as the subscriber's insurance premium. The base insurance premium for golf insurance is determined to a fixed amount at the time of insurance enrollment based on the details entered in the application form, etc. Furthermore, the individual insurance premium for golf insurance includes the first insurance premium determined at the time of insurance enrollment based on the details entered in the application form, etc., and the second insurance premium determined based on the conditions obtained while playing golf (environmental conditions such as the condition of the golf course and the weather).

[0160] 15 is a diagram showing an example of the structure of a golf insurance premium 1500. As described above, the golf insurance premium 1500 is made up of a base insurance premium 1510 and an individual insurance premium 1520.

[0161] The first premium 1511 of the base premium 1510 is determined as a fixed amount based on a comprehensive assessment of general risk, including information on the golf course to be played, information on the equipment such as clubs used by the insured, and information on the members who will be playing together. The base premium 1510 does not fluctuate after being determined as a fixed amount at the time of taking out the insurance, i.e., there is no second premium. Of course, the golf insurance according to the present disclosure can also be designed so that the base premium 1510 includes a second premium that fluctuates based on information sensed during play, etc.

[0162] On the other hand, the first premium 1521 of the personal insurance premium 1520 is calculated from a general personal risk assessed based on the subscriber's health condition and golf history / skill. The subscriber's golf skill may be measured using a tool such as a swing analysis sensor. Furthermore, the second premium 1522 of the personal insurance premium 1520 is calculated from the personal risk assessed based on the subscriber's health condition sensed during play and the environment (weather, golf course condition).

[0163] E-4. Use Case Examples In this section, a use case in which the information processing system 100 according to the present disclosure is applied to a golf insurance service will be described, divided into the phases of before playing, during playing on the golf course, and after playing.

[0164] E-4-1. Before playing FIG. 16 shows in the form of a flowchart the procedure carried out by the information processing system 100 before playing or when purchasing golf insurance.

[0165] First, the subscriber completes the procedure for signing up for golf insurance in conjunction with making a reservation at a golf course (step S1601).

[0166] When applying for golf insurance through his / her own information terminal 101, the subscriber transmits information on golf equipment such as clubs and shoes to be used by the subscriber, information on the reserved golf course, information on the subscriber's golf history and skill level, information on the members who will play together, etc. to the information processing device 102 (step S1602). The subscriber's golf skill may be measured using a tool such as a swing analysis sensor, for example.

[0167] The information processing device 102 then evaluates the general risk based on information about the golf equipment used by the subscriber, information about the golf course, information about the members who will play together, the weather forecast for the golf course for the scheduled date and time, etc., and calculates a first premium 1511 of the base insurance premium 1510. The information processing device 102 also evaluates the personal risk of the subscriber based on the subscriber's health condition, the subscriber's golf history and golf skill level, etc., and calculates a first premium 1521 of the personal insurance premium 1520 (step S1603).

[0168] Next, the information processing device 102 transmits and presents information about the golf insurance plan, including information about the base insurance premium and individual insurance premium calculated in step S1603, to the subscriber's information terminal 101 (step S1604).

[0169] The subscriber checks the contents of the proposed golf insurance plan on his / her information terminal 101 and completes the enrollment procedure (step S1605). The presented golf insurance plan also includes information on the base insurance premium and individual insurance premium calculated based on information before playing golf. If the subscriber enrolls in golf insurance according to the presented plan, the information processing device 102 determines the base insurance premium, and if the subscriber selects the individual insurance option, determines the insurance premium as the sum of the base insurance premium and the individual insurance premium.

[0170] E-4-2. Playing FIG. 17 illustrates, in flow chart form, the steps performed by the information processing system 100 while a subscriber is playing at a golf course.

[0171] The information processing device 102 acquires second information from the subscriber's information terminal 101 or IoT device (step S1701).

[0172] The second information includes information about the subscriber's health condition, the weather at the golf course where the golfer is playing, the condition of the golf course, and other environmental information detected by the sensor unit 470 or an IoT device in the information terminal 101. The information processing device 102 may obtain some of the second information, such as the weather and the condition of the golf course, from a website rather than from the information terminal 101.

[0173] Then, the information processing device 102 evaluates the risk based on the acquired second information and calculates the second insurance premium 1522 of the individual insurance premium 1520 (step S1702). Note that in the example of the insurance premium structure shown in Fig. 15, the base insurance premium 1510 is designed not to include the second insurance premium (or the base insurance premium 1510 is a fixed amount), but if the base insurance premium 1510 is designed to include the second insurance premium, the second insurance premium of the base insurance premium is also calculated in step S1702.

[0174] Next, the information processing device 102 transmits and presents information on the review plan for the existing golf insurance to the subscriber's information terminal 101, including information on the increase or decrease in the individual insurance premium based on the second insurance premium 1522 calculated in step S1702 (step S1703).

[0175] The subscriber checks the contents of the proposed revised plan on his / her information terminal 101 and carries out the procedure to change the golf insurance he / she has subscribed to (step S1704). The presented revised plan also includes information on the amount of change to the personal insurance premium calculated based on the information before enrollment. When changing the golf insurance according to the presented revised plan, the information processing device 102 determines the insurance premium by changing the base insurance premium by the amount of change to the personal insurance premium.

[0176] The information processing device 102 may acquire the second information and calculate the second insurance premium, i.e., review the golf insurance premium, multiple times during a round. For example, the information processing device 102 may acquire the second information and calculate the second insurance premium each time the insured finishes a hole or after each predetermined number of holes.

[0177] E-4-3. After Play When the subscriber finishes the round, the information processing device 102 bills the subscriber for the final determined golf insurance premium. For example, the information processing device may send an email to the information terminal 101 carried by the subscriber to present the final determined golf insurance premium. The subscriber may simultaneously carry out the golf insurance premium payment procedure on the screen on which the subscriber's golf insurance premium is presented.

[0178] E-5.Functional configuration In this section, the functional configuration for calculating the golf insurance premium in the information processing device 102 will be explained, divided into a first insurance premium calculation before playing and a second insurance premium calculation during the round.

[0179] E-5-1. First insurance premium calculation The structure of golf insurance premiums is as shown in Figure 15. Golf insurance premium 1500 consists of base insurance premium 1510 and individual insurance premium 1520. Base insurance premium 1510 consists of first insurance premium 1511, a fixed amount decided at the time of taking out the insurance. Individual insurance premium 1520 is an insurance premium that is an individual option for each policyholder, and consists of first insurance premium 521 decided before playing and second insurance premium 522 decided during the round.

[0180] FIG. 18 shows an example of a functional configuration for the information processing device 102 to calculate a first insurance premium for golf insurance. The information processing device 102 includes a base insurance premium calculation unit 1801 and an individual insurance premium calculation unit 1802 to calculate the first insurance premium of the golf insurance premium. The base insurance premium calculation unit 1801 calculates a first insurance premium 1511 of the base insurance premium 1510, and the individual insurance premium calculation unit 1802 calculates a first insurance premium 1521 of the individual insurance premium 1520. In the example of the system configuration shown in FIGS. 1 and 2, the base insurance premium calculation unit 1801 and the individual insurance premium calculation unit 1802 are disposed within the information processing device 102. However, when an insurance app executed on the information terminal 101 performs a calculation process for the golf insurance premium, the base insurance premium calculation unit 1801 and the individual insurance premium calculation unit 1802 are implemented as functional modules of the insurance app, respectively. A method for calculating the first insurance premiums 1511 and 1512 will be described in detail with reference to FIG. 18.

[0181] The subscriber compiles equipment information 1821, golf course information 1822, and group composition information 1823 to create a golf insurance application form 1811. The equipment information 1821 includes information on the clubs, golf shoes, balls, etc. to be used in a round of golf that is covered by the golf insurance. The golf course information 1822 consists of information on the characteristics of the golf courses that the subscriber plans to play, including the difficulty level of each course and the course shape (right dogleg or left dogleg, many or few short courses, many or few long courses, etc.). The group composition information 1823 includes personal information such as the gender and age of each member who will be playing together. The subscriber creates a golf insurance application form on their own information terminal 101 and sends it to the information processing device 102.

[0182] The base insurance premium calculation unit 1801 collects, as first information, equipment information 1821, golf course information 1822, and group composition information 1823 entered in the application form 1811, as well as a weather forecast 1812 for the day of play at the golf course where the player plans to play. The weather forecast 1812 may be obtained from a website. Risk varies depending on the performance of the clubs used, the difficulty of the golf course, the members playing with the player, and so on, and the base insurance premium calculation unit 1801 evaluates general risk from this first information. The base insurance premium calculation unit 1801 then calculates a fixed amount of base insurance premium 1511 based on the evaluated risk.

[0183] The individual insurance premium calculation unit 1802 calculates a first premium 1521 of the individual insurance premium 1520 based on first information unique to each subscriber, which is made up of the subscriber's health information 1813, golf history and skills 1814, and insurance history 1815. The subscriber's golf skill level included in the golf history and skills 1814 may be self-reported by the subscriber, or may be the result of analysis by a swing analysis sensor. Insurance history information and other personal information of subscribers with a history of insurance is stored in the storage device 320.

[0184] Then, the information processing device 102 transmits a golf insurance plan including information on a fixed amount of base insurance premium 1510 calculated by the base insurance premium calculation unit 1801 and the first insurance premium 1521 of the personal insurance premium 1520 calculated by the personal insurance premium calculation unit 1802 to the subscriber's information terminal 101, and presents it to the subscriber before playing.

[0185] E-5-2. Second insurance premium calculation As shown in Figure 15, the second premium of golf insurance 1500 consists of second premium 1522 of individual insurance premium 1520. Second premium 1522 of individual insurance premium 1520 is the change that occurs during play to first premium 1521 of individual insurance premium 1520, which was calculated before play. Of course, golf insurance can also be designed so that base insurance premium 1510 also includes the second premium, but here, the explanation will be given assuming that base insurance premium 1510 does not include the second premium.

[0186] 19 shows an example of a functional configuration for calculating the second insurance premium of the golf insurance by the information processing device 102. The information processing device 102 includes a risk assessment unit 1901 and an individual insurance premium change unit 1905 in order to calculate the second insurance premium of the golf insurance premium.

[0187] The risk assessment unit 1901 assesses the subscriber's risk of injury and damage to persons and property based on the subscriber's health condition while playing golf, the weather of the golf course where the subscriber is playing, and the course condition of the golf course. The risk assessment unit 1901 may use a deep learning model to assess the subscriber's risk while playing golf.

[0188] The information processing device 102 also includes a health condition prediction unit 1902 that predicts the subscriber's health condition, a weather information prediction unit 1903 that predicts the weather at the golf course, and a course condition prediction unit 1904 that predicts the condition of the golf course, in order to predict the subscriber's health condition during play, which are necessary for risk assessment, the weather at the golf course during play, and the condition of the golf course during play, based on sensor information from the information terminal 101 and IoT devices carried by the subscriber.

[0189] The personal insurance premium change unit 1905 calculates a second insurance premium 1522, which is a change that occurs due to risk fluctuations during play in the first insurance premium 1521 of the personal insurance premium 1520 calculated at the time of taking out the insurance or before playing, based on the evaluation result of the personal risk by the risk evaluation unit 1901. The personal insurance premium change unit 1905 may calculate the second insurance premium 1522 using a deep learning model.

[0190] The information processing device 102 also includes a proposal presentation unit 1906 that proposes to the subscriber a revised golf insurance plan based on the second premium 1522 of the personal insurance premium 1520 calculated by the personal insurance premium change unit 1905. The proposal presentation unit 1906 notifies the subscriber of the revised golf insurance plan by, for example, sending an email to the subscriber's information terminal 101.

[0191] The subscriber reviews the proposed revised plan and requests an update of the insurance coverage from his / her information terminal 101 to the information processing device 102. In response to the request to update the insurance coverage from the information terminal 101, the information processing device 102 updates the subscriber's individual insurance premium 1910 and also updates the base insurance premium 1911.

[0192] 19 may be located on the information terminal 101 carried by the subscriber, rather than on the information processing device 102. For example, the functions of at least some of the functional modules 1901 to 1906 may be realized as the operation of an insurance application started on the information terminal 101.

[0193] Next, the prediction units 1902 to 1904 for evaluating risks during play will be described.

[0194] Each of the prediction units 1902 to 1904 makes a prediction based on sensor information from the sensor unit 470 or IoT devices in the information terminal 101, and information acquired from a website. The IoT devices include a smartwatch, smart glasses or goggles, shoe sensors, swing analysis sensors, score and course detection sensors, etc. For details about the sensor information measured by each IoT device, see section D-2 above. Essentially, each of the prediction units 1005 to 1007 uses the sensor information from the sensor unit 470 or IoT devices in the information terminal 101, and information acquired from a website as explanatory variables, and performs processing to calculate a desired objective variable from the explanatory variables based on the respective prediction model.

[0195] The health condition prediction unit 1902 predicts the insured's health condition based on sensor information from the sensor unit 470 in the information terminal 101 and IoT devices. The health condition prediction unit 1902 uses the health condition, expressed as a value between 0.0 and 1.0, as a dependent variable, and calculates the dependent variable using a prediction model based on logistic regression from explanatory variables consisting of health information, activity information, and weather information. Among the explanatory variables, the health information includes body temperature, heart rate or pulse wave, electrocardiogram, blood oxygen concentration, and sleep time. Among the explanatory variables, the activity information includes travel distance, travel altitude or elevation difference, and total number of steps. Furthermore, among the explanatory variables, the weather information includes temperature, humidity, wind speed, rainfall, UV radiation, and sunshine intensity. The logistic regression-based prediction model predicts the health condition by learning, for example, on the cloud using data collected from a large number of insureds, and executing the generated prediction model.

[0196] The weather information prediction unit 1903 measures the current weather on the mountain climbing course based on sensor information from the sensor unit 470 and IoT devices in the information terminal 101. The weather information prediction unit 1903 also predicts the weather for the remaining holes from the weather forecast obtained by web access to a weather forecast site.

[0197] The course condition prediction unit 1904 predicts the condition of each golf course where the subscriber will play, based on sensor information from the sensor unit 470 in the information terminal 101 and IoT devices. The course condition prediction unit 1904 uses the type of golf course and its condition as objective variables, and calculates the objective variables using a prediction model based on a decision tree such as a random forest or an MLP from explanatory variables consisting of golf course images, weather information images, and moisture content. The course type as the objective variable includes, for example, course difficulty and course shape (right dogleg or left dogleg, many or few short courses, many or few long courses, etc.). The course condition for each course type is expressed by the condition of the grass in the rough and on the greens, and the condition of bunkers (moisture content, sand quality, etc.). Among the explanatory variables, the golf course image is, for example, an image of the golf course taken with smart glasses, the weather information image is an image of the sky taken with smart glasses, and the moisture content is the moisture content measured by a moisture sensor attached to the sole of golf shoes. A predictive model based on random forest or MLP is trained on, for example, the cloud using data collected from a large number of policyholders, and the generated predictive model is executed to classify the condition of a golf course. The predictive model predicts the condition of a golf course for each change in course type.

[0198] E-6. Examples of risk assessment and premium calculation Figure 20 shows the types of first information that the information processing system 100 acquires to calculate the first insurance premium for golf insurance before a golf season (for example, when a subscriber purchases golf insurance), the method for acquiring each piece of information, and examples of input by each subscriber A to C.

[0199] The clubs used can be obtained, for example, from equipment information 1821 entered in the membership application form 1811. The course difficulty level and course shape can be obtained, for example, from the golf course or other websites based on the golf course information 1822 (golf course name, etc.) entered in the membership application form 1811. In addition, the swing level and swing tendency can be obtained from user input, such as the subscriber's self-declaration entered in the membership application form 1811, as well as from sensor information obtained from a swing analysis sensor. In addition, the weather forecast can be obtained by accessing a weather forecast site or the like via the web, based on the play date and time entered in the membership application form 1811, to obtain weather information for the play date and time at the location of the golf course in question.

[0200] 21 shows the types of second information that the information processing system 100 acquires to calculate the second insurance premium while playing golf (or during the period of coverage of the subscribed golf insurance), the method of acquiring each piece of information, and examples of input for each of members A to C who will play together. Also shown in FIG. 21 is the change premium for each member's risk-based insurance assessed based on the example of input of the second information for each of members A to C.

[0201] While playing at the golf course, the second information of each member, consisting of multiple elements such as health information, weather information, and course conditions for the day, can be obtained from smart glasses, smart watches, shoe sensors, or other IoT devices. In Fig. 21, to simplify the drawing, multiple elements are grouped together and shown in abstract terms such as "normal" and "wet."

[0202] The information processing system 100 then evaluates the risk of an event occurring that may be covered by insurance for each member, based on the first information acquired before playing as shown in Fig. 20 and the second information acquired during playing as shown in Fig. 21. The example shown in Fig. 21 indicates that the information processing system 100 has evaluated the risk that both A and C will "curve their driver to the right and hit the ball out of bounds on the 7th and 11th holes" as 90%.

[0203] In the information processing system 100, the individual insurance premium change unit 1905 calculates the change in golf insurance premium based on the risk assessment results for each member. In the example shown in Fig. 21, the change in insurance premium due to risk is calculated separately for bodily injury insurance and property damage insurance, and the calculation results are shown on a scale of 10 points.

[0204] For Mr. A, there is a 90% risk that he will swerve his driver to the right and hit the ball out of bounds on the 7th and 11th holes, so three points will be added to both his bodily injury and property damage insurance. As a result, Mr. A's final insurance premium will be twice the amount calculated at the time of enrollment. For Mr. C, there is a 90% risk that he will swerve his driver to the right and hit the ball out of bounds on the 7th and 11th holes, so two points will be added to his bodily injury insurance and three points will be added to his property damage insurance. As a result, Mr. C's final insurance premium will be 1.5 times the amount calculated at the time of enrollment. For Mr. B, there is no particular risk that an event that could be covered by insurance will occur, so there will be no change to his bodily injury and property damage insurance, and his final insurance premium will remain the amount calculated at the time of enrollment. [Industrial Applicability]

[0205] Although the present disclosure has been described in detail above with reference to specific embodiments, it is obvious that those skilled in the art can make modifications or substitutions to the embodiments without departing from the spirit and scope of the present disclosure.

[0206] The present disclosure can be applied primarily to the operation of small-amount, short-term insurance services targeting specific sports or hobbies, but can also be applied to various other types of online insurance services.

[0207] In short, the present disclosure has been described in the form of examples, and the contents of the specification should not be interpreted as limiting. To determine the gist of the present disclosure, the claims should be taken into consideration.

[0208] The present disclosure may also be configured as follows.

[0209] (1) an information acquisition unit that acquires first information when a subscriber enrolls in insurance and acquires second information during the period of coverage of the insurance; an insurance premium determination unit that calculates a first insurance premium based on the first information and a second insurance premium based on the second information, and determines the insurance premium for the subscriber based on the first insurance premium and the second insurance premium; a presentation unit that presents information about the insurance premiums to the subscriber's information terminal; An information processing system comprising:

[0210] (2) The information terminal through which the subscriber applies for insurance and the information processing device that calculates the premiums for the insurance of the subscriber are configured, the information terminal, as the information acquisition unit, acquires first information when the subscriber takes out the insurance, acquires second information within the application period of the insurance, and transmits the first information and the second information to the information processing device; the information processing device, in cooperation with the insurance premium determination unit, calculates a first insurance premium based on the first information, calculates a second insurance premium based on the second information, and determines the sum of the first insurance premium and the second insurance premium as the insurance premium for the subscriber; The information processing system according to (1) above.

[0211] (3) The information terminal is the information acquisition unit acquires first information when the subscriber enrolls in the insurance, and acquires second information during the period of coverage of the insurance; the insurance premium determination unit calculates a first insurance premium based on the first information and a second insurance premium based on the second information, determines an insurance premium for the subscriber based on the first insurance premium and the second insurance premium, and presents the insurance premium to the subscriber; The information processing system according to (1) above.

[0212] (4) The first information and the second information include at least one of information input by the subscriber to the information terminal and sensor information from a sensor in the information terminal or an IoT device in the vicinity of the information terminal. The information processing system according to any one of (1) to (3) above.

[0213] (5) The first information includes subscriber information identifying the subscriber, and information regarding the type of insurance selected by the subscriber, the amount of compensation, or other insurance conditions; The second information includes information when the subscriber engaged in an activity covered by the insurance during the period of coverage of the insurance, calculating the first insurance premium for the selected type of insurance and the insurance conditions based on the first information, and calculating the second insurance premium based on the second information; An information processing system according to any one of (1) to (4) above.

[0214] (6) The activity covered by the insurance is mountain climbing, and the applicable period is the day on which the insured person engages in the mountain climbing. An information processing system according to any one of (1) to (5) above.

[0215] (7) The information acquisition unit acquires the first information including at least one of information on the mountain to be climbed, information on the climbing plan such as the climbing style, the climbing date, the number of nights, and the purpose of the climbing, and information on each member of the climbing party; the insurance premium determination unit determines a uniform base insurance premium for all members of the mountain climbing party based on the first information. The information processing system according to (6) above.

[0216] (8) the information acquisition unit acquires the first information including the health status of each member; The insurance premium determination unit further determines an individual insurance premium to be added for each member based on the first information. The information processing system according to (7) above.

[0217] (9) The information acquisition unit acquires the second information including at least one of the health condition of each member during the climb, the weather of the mountain during the climb, and the condition of the climbing course during the climb; The insurance premium determination unit determines the change in the base insurance premium and the change in the individual insurance premium based on the second information. The information processing system according to (8) above.

[0218] (10) The activity covered by the insurance is golf, and the applicable period is the day on which the insured plays golf. An information processing system according to any one of (1) to (5) above.

[0219] (11) The information acquisition unit acquires the first information including at least one of equipment information used by the subscriber, golf course information, and information on members who play together; the insurance premium determination unit determines the first insurance premium based on a risk evaluated from the first information. The information processing system according to (10) above.

[0220] (12) The acquisition unit acquires the second information including at least one of the subscriber's health condition during golf play, the weather at the golf course, and the condition of the golf course; the insurance premium determination unit determines the second insurance premium based on the risk evaluated from the second information. The information processing system according to (11) above.

[0221] (13) an information acquisition step of acquiring first information when the policyholder enrolls in insurance and acquiring second information within the coverage period of the insurance; an insurance premium determination step of calculating a first insurance premium based on the first information and a second insurance premium based on the second information, and determining the insurance premium for the subscriber based on the first insurance premium and the second insurance premium; a presentation step of presenting information about the insurance premium on an information terminal of the subscriber; An information processing method comprising:

[0222] (14) An information acquisition unit that acquires first information when a subscriber enrolls in insurance and acquires second information during the insurance coverage period; a presentation unit that presents information regarding the insurance premium of the subscriber determined based on a first insurance premium calculated based on the first information and a second insurance premium calculated based on the second information; An information terminal equipped with the above.

[0223] (15) transmitting the first information and the second information acquired by the information acquisition unit to an information processing device; the presentation unit presents information about the insurance premium determined by the information processing device based on the first information and the second information. The information terminal described in (14) above.

[0224] (16) The insurance system further includes an insurance premium determination unit that calculates a first insurance premium based on the first information and a second insurance premium based on the second information, and determines the insurance premium for the subscriber based on the first insurance premium and the second insurance premium. The information terminal described in (14) above.

[0225] (17) A receiving unit that receives, from the subscriber's information terminal, first information acquired when the subscriber enrolls in insurance and second information acquired during the insurance coverage period; an insurance premium determination unit that calculates a first insurance premium based on the first information and a second insurance premium based on the second information, and determines the insurance premium for the subscriber based on the first insurance premium and the second insurance premium; a presentation unit that presents information about the insurance premiums to the subscriber's information terminal; An information processing device comprising:

[0226] (18) an information acquisition unit that acquires first information when a subscriber enrolls in insurance and acquires second information during the period of coverage of the insurance; an insurance premium determination unit that calculates a first insurance premium based on the first information and a second insurance premium based on the second information, and determines the insurance premium for the subscriber based on the first insurance premium and the second insurance premium; a presentation unit that presents information about the insurance premiums on the subscriber's information terminal; A computer program written in a computer-readable format to cause a computer to function as a [Explanation of symbols]

[0227] 100...information processing system, 101...information terminal, 102...information processing device 104...Internet 301...CPU, 301A, 301B...Processor core 310... bus, 320... storage device, 321... memory 330...input / output interface section 410...control unit, 411...CPU, 412...ROM 413...RAM, 420...display unit, 421...display panel 422...display interface, 423...touch panel 424...touch interface, 430...audio processing unit 431...audio output unit, 432...audio input unit, 434...audio codec 434...audio output terminal, 440...communication unit, 441...LTE communication unit 442...Wi-Fi (registered trademark) communication unit, 443...BLE communication unit 450...storage unit, 460...imaging unit, 470...sensor unit 901...Base premium calculation department, 902...Individual premium calculation department 1001: Group Risk Assessment Department, 1002: Base Premium Change Department 1003: Personal Risk Assessment Department, 1004: Personal Insurance Premium Change Department 1005...Health condition prediction unit, 1006...Weather information prediction unit 1007... Course state prediction unit, 1008... Proposal presentation unit 1009…Information sharing department 1801: Base Insurance Premium Calculation Department, 1802: Individual Insurance Premium Calculation Department 1901: Risk Assessment Division, 1902: Health Status Prediction Division 1903...Weather Information Prediction Section, 1904...Course Condition Prediction Section 1905: Personal Insurance Premium Change Section, 1906: Proposal Display Section

Claims

1. an information acquisition unit that acquires first information when a subscriber enrolls in insurance that covers a specific activity, and acquires second information from an information terminal carried by the subscriber when the subscriber engages in an activity that is covered by the insurance within a period of coverage of the insurance; an insurance premium determination unit that calculates a first insurance premium including a uniform base insurance premium and an individual insurance premium for each subscriber based on the first information for persons with the same attribute information, and calculates a second insurance premium including a change in the uniform base insurance premium and a change in the individual insurance premium for each subscriber based on the second information for persons with the same attribute information, and determines the base insurance premium for the subscriber by summing the base insurance premium calculated as the first insurance premium and the change in the base insurance premium calculated as the second insurance premium, and determines the individual insurance premium for the subscriber by summing the individual insurance premium calculated as the first insurance premium and the change in the individual insurance premium calculated as the second insurance premium; a presentation unit that presents the determined insurance premium on the information terminal; An information processing system comprising:

2. The information terminal is configured so that the subscriber can apply for insurance, and an information processing device is configured to calculate the insurance premiums of the subscriber. the information terminal, as the information acquisition unit, acquires first information when the subscriber takes out the insurance, acquires second information within a period of coverage of the insurance, and transmits the first information and the second information to the information processing device; the information processing device, as the insurance premium determination unit, calculates a first insurance premium based on the first information, calculates a second insurance premium based on the second information, and determines the sum of the first insurance premium and the second insurance premium as the insurance premium for the applicable period of the insurance of the subscriber; The information processing system according to claim 1 .

3. The information terminal, the information acquisition unit acquires first information when the subscriber enrolls in the insurance, and acquires second information during the period of coverage of the insurance; as the insurance premium determination unit, calculating a first insurance premium based on the first information and calculating a second insurance premium based on the second information, and determining the sum of the first insurance premium and the second insurance premium as the insurance premium for the applicable period of the insurance of the subscriber; the presentation unit presents the determined insurance premium to the subscriber; The information processing system according to claim 1 .

4. The first information and the second information include at least one of information input by the subscriber to the information terminal and sensor information from a sensor in the information terminal or an IoT device in the vicinity of the information terminal. The information processing system according to claim 1 .

5. The first information includes subscriber information for identifying the subscriber, and information regarding the type of insurance selected by the subscriber, the amount of compensation, or other insurance conditions; the insurance premium determination unit calculates the first insurance premium for the selected type of insurance and the insurance conditions based on the first information, and calculates the second insurance premium based on the second information; The information processing system according to claim 1 .

6. The activity covered by the insurance is mountain climbing, and the applicable period is the day on which the insured person engages in the mountain climbing. The information processing system according to claim 1 .

7. the information acquisition unit acquires the first information including at least one of information about the mountain to be climbed, information about the mountain climbing plan such as the climbing style, the climbing date, the number of nights, and the purpose of the climbing, and information about each member of the climbing party; the insurance premium determination unit determines a uniform base insurance premium for all members of the mountain climbing party based on the first information; The information processing system according to claim 6.

8. the information acquisition unit acquires the first information including a health condition of each member; The insurance premium determination unit further determines an individual insurance premium to be added for each member based on the first information. The information processing system according to claim 7 .

9. the information acquisition unit acquires the second information including at least one of the health condition of each member during the mountain climbing covered by the insurance, the weather of the mountain during the mountain climbing, and the condition of the mountain climbing course during the mountain climbing; the insurance premium determination unit determines a change in the base insurance premium and a change in the individual insurance premium based on the second information. The information processing system according to claim 8 .

10. The activity covered by the insurance is golf, and the applicable period is the day on which the insured plays golf. The information processing system according to claim 1 .

11. the information acquisition unit acquires the first information including at least one of equipment information used by the subscriber, golf course information, and information on members who play together; the insurance premium determination unit determines the first insurance premium based on a risk evaluated from the first information. The information processing system according to claim 10.

12. the acquisition unit acquires the second information including at least one of the subscriber's health condition during golf play, the weather at the golf course, and the condition of the golf course; the insurance premium determination unit determines the second insurance premium based on a risk evaluated from the second information. The information processing system according to claim 11.

13. an information acquisition step in which an information terminal carried by a subscriber acquires first information when the subscriber enrolls in insurance that covers a specific activity of the subscriber, and acquires second information when the subscriber engages in an activity that is covered by the insurance within a period of application of the insurance; an insurance premium determination step in which an information terminal carried by the subscriber, or an information processing device that receives the first information and the second information from the information terminal carried by the subscriber, calculates a first insurance premium including a uniform base insurance premium and an individual insurance premium for each subscriber for persons with information of the same attributes based on the first information, and calculates a second insurance premium including a change in the uniform base insurance premium and a change in the individual insurance premium for each subscriber for persons with information of the same attributes based on the second information, and determines a base insurance premium for the subscriber by summing the base insurance premium calculated as the first insurance premium and the change in the base insurance premium calculated as the second insurance premium, and determines an individual insurance premium for the subscriber by summing the individual insurance premium calculated as the first insurance premium and the change in the individual insurance premium calculated as the second insurance premium; a presentation step in which the information processing device presents the determined insurance premium to an information terminal carried by the subscriber, or the information terminal carried by the subscriber presents the determined insurance premium to the subscriber; An information processing method comprising:

14. an information acquisition unit that acquires first information when a subscriber enrolls in insurance that covers a specific activity, and acquires second information when the subscriber engages in an activity that is covered by the insurance within a period of coverage of the insurance; a transmitting unit that transmits the first information and the second information acquired by the information acquiring unit to an information processing device; a receiving unit that calculates, based on the first information, a first insurance premium including a uniform base insurance premium and an individual insurance premium for each subscriber for persons with the same attribute information, and calculates, based on the second information, a second insurance premium including a change in the uniform base insurance premium and a change in the individual insurance premium for each subscriber for persons with the same attribute information, and receives from the information processing device the base insurance premium for the subscriber determined by adding together the base insurance premium calculated as the first insurance premium and the change in the base insurance premium calculated as the second insurance premium, and the individual insurance premium for the subscriber determined by adding together the individual insurance premium calculated as the first insurance premium and the change in the individual insurance premium calculated as the second insurance premium; a presentation unit that presents the received insurance premium; An information terminal equipped with the above.

15. an information acquisition step in which an information acquisition unit included in the information terminal acquires first information when the subscriber enrolls in insurance that covers a specific activity of the subscriber, and acquires second information when the subscriber engages in an activity that is covered by the insurance within a period of application of the insurance; a transmitting step in which a transmitting unit included in the information terminal transmits the first information and the second information acquired in the information acquiring step to an information processing device; a receiving step in which a receiving unit provided in the information terminal receives from the information processing device the base insurance premium for the subscriber determined by adding together the base insurance premium calculated as the first insurance premium and the change in the base insurance premium calculated as the second insurance premium, and the individual insurance premium for the subscriber determined by adding together the individual insurance premium calculated as the first insurance premium and the change in the individual insurance premium calculated as the second insurance premium; a presentation step in which a presentation unit included in the information terminal presents the received insurance premium; A method for controlling an information terminal having the above configuration.

16. an information acquisition unit that acquires first information when a subscriber enrolls in insurance that covers a specific activity, and acquires second information when the subscriber engages in an activity that is covered by the insurance within a period of coverage of the insurance; an insurance premium determination unit that calculates a first insurance premium including a uniform base insurance premium and an individual insurance premium for each subscriber based on the first information for persons with the same attribute information, and calculates a second insurance premium including a change in the uniform base insurance premium and a change in the individual insurance premium for each subscriber based on the second information for persons with the same attribute information, and determines the base insurance premium for the subscriber by summing the base insurance premium calculated as the first insurance premium and the change in the base insurance premium calculated as the second insurance premium, and determines the individual insurance premium for the subscriber by summing the individual insurance premium calculated as the first insurance premium and the change in the individual insurance premium calculated as the second insurance premium; a presentation unit that presents the determined insurance premium; An information terminal carried by the subscriber, comprising:

17. a receiving unit that receives, from an information terminal carried by the subscriber, first information acquired when the subscriber subscribes to an insurance policy covering a specific activity of the subscriber and second information acquired when the subscriber engages in an activity covered by the insurance within the period of coverage of the insurance; an insurance premium determination unit that calculates a first insurance premium including a uniform base insurance premium and an individual insurance premium for each subscriber based on the first information for persons with the same attribute information, and calculates a second insurance premium including a change in the uniform base insurance premium and a change in the individual insurance premium for each subscriber based on the second information for persons with the same attribute information, and determines the base insurance premium for the subscriber by summing the base insurance premium calculated as the first insurance premium and the change in the base insurance premium calculated as the second insurance premium, and determines the individual insurance premium for the subscriber by summing the individual insurance premium calculated as the first insurance premium and the change in the individual insurance premium calculated as the second insurance premium; a presentation unit that presents the determined insurance premium on an information terminal carried by the subscriber; An information processing device comprising:

18. an information acquisition unit that acquires first information when a subscriber enrolls in insurance that covers a specific activity, and acquires second information from an information terminal carried by the subscriber when the subscriber engages in an activity that is covered by the insurance within a period of coverage of the insurance; an insurance premium determination unit that calculates a first insurance premium including a uniform base insurance premium and an individual insurance premium for each subscriber for persons with the same attribute information based on the first information, and calculates a second insurance premium including a change in the uniform base insurance premium and a change in the individual insurance premium for each subscriber for persons with the same attribute information based on the second information, and determines a base insurance premium for the subscriber by summing the base insurance premium calculated as the first insurance premium and the change in the base insurance premium calculated as the second insurance premium, and determines an individual insurance premium for the subscriber by summing the individual insurance premium calculated as the first insurance premium and the change in the individual insurance premium calculated as the second insurance premium; a presentation unit that presents the determined insurance premium on an information terminal carried by the subscriber; A computer program written in a computer-readable format to cause a computer to function as a

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