Information processing device, information processing method, and program

Abstract

To provide an information processing device capable of reducing time and labor for repairing a property when a lessee moves out the property.SOLUTION: An information processing device 1 includes a receiving unit 131 for receiving image data generated by a lessee capturing an image of damaged portions in a property rented from a lessor, an insurance payment determination unit 133 for determining whether or not payment conditions for paying an insurance benefit of an insurance for damage to the property, the insurance being contracted with the lessee, are satisfied on the basis of the image data received by the receiving unit, and an output unit 135 for outputting information representing that the insurance benefit is to be paid on the condition that the insurance payment determination unit determines that the payment conditions are satisfied.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to an information processing device, an information processing method, and a program for processing information relating to insurance against damage to property. [Background technology]

[0002] Patent Document 1 discloses a system that calculates the proportion of the cost of restoring a property to its original state that a tenant (renter) is to bear, based on image data captured inside the property such as a house and the period of residence. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2023-92535 Summary of the Invention [Problem to be solved by the invention]

[0004] Tenants of property are required to repair the property when they move out. Even if the tenant has insurance against damage to the property, it can be difficult to determine whether the insurance is valid or the time and effort required to claim insurance, so the tenant may not file a claim. This can lead to disputes between the tenant and the landlord regarding who will bear the repair costs, resulting in significant hassle for both parties.

[0005] The present invention has been made in consideration of these points, and aims to reduce the effort required for repairs to be made to a property when a tenant moves out. [Means for solving the problem]

[0006] An information processing device of a first aspect of the present invention includes a receiving unit that receives image data generated by capturing an image of a damaged area in a property rented by a tenant from a lessor, an insurance payment determination unit that determines, based on the image data received by the receiving unit, whether payment conditions for paying insurance money for an insurance contracted by the tenant for damage to the property have been met, and an output unit that outputs information indicating that the insurance money will be paid, provided that the insurance payment determination unit determines that the payment conditions have been met.

[0007] The insurance payment determination unit may determine whether the payment conditions are met by inputting the image data into a machine learning model generated by learning teacher image data generated by imaging a specified location and correct answer data indicating whether the location meets the payment conditions.

[0008] The receiving unit may receive text data indicating the reason for damage to the area specified by the tenant or the lessor, and the insurance payment determination unit may determine whether the payment conditions have been met based on the image data and the text data.

[0009] The information processing device may further have a burden-bearing entity determination unit that determines, based on the image data, which of the lessee and the landlord will bear the repair costs for repairing the area before the insurance payment determination unit determines whether the payment conditions have been met, and the insurance payment determination unit may determine whether the payment conditions have been met based on the image data, on the condition that the burden-bearing entity determination unit has determined that the lessee is the burden-bearing entity.

[0010] The information processing device may further have an amount determination unit that determines the repair costs to be borne by the tenant, on the condition that the burden entity determination unit determines that the tenant is the burden entity and the insurance payment determination unit determines that the payment conditions are not met.

[0011] The amount determination unit may determine the insurance amount according to criteria different from the criteria for determining the repair costs, provided that the burden entity determination unit determines that the tenant is the burden entity and the insurance payment determination unit determines that the payment conditions have been met.

[0012] The amount determination unit may determine the repair costs to be borne by the lessee based on the image data and performance data indicating the insurance money previously paid for the insurance.

[0013] An information processing method of a second aspect of the present invention includes the steps of receiving image data generated by a tenant by capturing an image of a damaged area in a property rented from a lessor, executed by a processor; determining, based on the image data received in the receiving step, whether or not payment conditions for paying an insurance claim for damage to the property under an insurance contract held by the tenant have been met; and outputting information indicating that the insurance claim will be paid, provided that it has been determined in the determining step that the payment conditions have been met.

[0014] A third aspect of the program of the present invention causes a processor to execute the following steps: receiving image data generated by capturing an image of a damaged area in a property rented by a tenant from a lessor; determining, based on the image data received in the receiving step, whether or not payment conditions for paying an insurance claim for damage to the property under an insurance contract held by the tenant have been met; and outputting information indicating that the insurance claim will be paid, provided that it is determined in the determining step that the payment conditions have been met. [Effects of the Invention]

[0015] The present invention has the effect of reducing the effort required for repairs to a property when a tenant moves out of the property. [Brief explanation of the drawings]

[0016] [Figure 1] 1 is a schematic diagram of an information processing system according to an embodiment. [Figure 2] 1 is a block diagram of an information processing system according to an embodiment. [Figure 3] FIG. 1 is a schematic diagram for explaining damaged areas in a property that are to be repaired. [Figure 4] 10 is a schematic diagram for explaining a method in which a burden entity determination unit determines a burden entity. FIG. [Figure 5] 10 is a schematic diagram for explaining a method by which an insurance payment determination unit determines whether or not the insurance payment conditions are satisfied. FIG. [Figure 6] FIG. 10 is a schematic diagram for explaining a method by which the amount determination unit determines repair costs. [Figure 7] FIG. 2 is a schematic diagram for explaining information output by an output unit. [Figure 8] FIG. 10 is a flowchart illustrating an exemplary information processing method executed by an information processing apparatus according to an embodiment. [Figure 9] FIG. 10 is a schematic diagram for explaining a method in which an amount determination unit according to a modified example determines repair costs. DETAILED DESCRIPTION OF THE INVENTION

[0017] 1 is a schematic diagram of an information processing system S according to this embodiment. The information processing system S includes an information processing device 1, a lessee terminal 2, and a lessor terminal 3. The information processing system S may also include other terminals, devices, etc.

[0018] The information processing device 1 is a computer that determines who will bear the cost of repairs and whether or not to pay insurance money based on image data of damaged areas in a property. The information processing device 1 may be a single device or multiple devices. The information processing device 1 may also be one or multiple virtual servers operating on a cloud, which is a collection of computer resources.

[0019] The lessee terminal 2 is a computer used by the lessor. The lessor terminal 3 is a computer used by the lessor. The lessee is a person or organization that rents a property from the lessor. The lessor is a person or organization that rents a property to the lessee. The lessee and the lessor enter into a lease agreement for a property such as a house. For example, the lease agreement stipulates that the lessee must restore the property to its original condition by repairing it when moving out (such as when terminating the lease agreement).

[0020] The tenant has contracted with a specified business to insure the property against damage. The insurance, for example, is tenant liability insurance. The insurance money for the property damage is paid to the tenant, the landlord, or the business that repairs the property, provided that the payment conditions stipulated in the insurance contract are met.

[0021] The lessee terminal 2 and the lessor terminal 3 are information terminals such as smartphones, tablet terminals, and personal computers. The lessee terminal 2 and the lessor terminal 3 have a display unit such as an LCD display for displaying information, an operation unit such as a touch panel for receiving operations, and an imaging unit for capturing an image of a subject to generate image data. The lessee terminal 2 and the lessor terminal 3 transmit and receive information to and from the information processing device 1 via communication.

[0022] An overview of the processing executed by the information processing system S according to this embodiment will be described below. The information processing device 1 receives image data generated by capturing an image of a damaged area in a property from the lessee terminal 2 or the lessor terminal 3. Based on the received image data, the information processing device 1 determines whether the payment conditions for paying insurance money for the damage to the property have been met. The information processing device 1 outputs information indicating that the insurance money will be paid, provided that it has determined that the payment conditions have been met.

[0023] With this configuration, the information processing system S automatically determines whether or not to pay insurance money for damage to a property based on image data of the damaged area of ​​the property. This allows the information processing system S to easily use insurance without the tenant having to understand the details of the insurance conditions for damage to the property, thereby reducing the amount of trouble that can arise between the tenant and the lessor, and reducing the effort required for repairing the property when the tenant moves out.

[0024] [Configuration of Information Processing System S] FIG. 2 is a block diagram of an information processing system S according to this embodiment. In FIG. 2, arrows indicate main data flows, and data flows other than those shown in FIG. 2 may also exist. In FIG. 2, each block indicates a functional configuration rather than a hardware (device) configuration. Therefore, the blocks shown in FIG. 2 may be implemented in a single device, or may be implemented separately in multiple devices. Data may be exchanged between blocks via any means, such as a data bus, a network, or a portable storage medium.

[0025] The information processing device 1 includes a communication unit 11, a storage unit 12, and a control unit 13. The information processing device 1 may be configured by connecting two or more physically separate devices via wired or wireless connections. The information processing device 1 may also be configured by a cloud, which is a collection of computer resources.

[0026] The communication unit 11 has a communication controller for transmitting and receiving data between the lessee terminal 2 and the lessor terminal 3 via the network. The communication unit 11 notifies the control unit 13 of data received from the lessee terminal 2 and the lessor terminal 3 via the network. The communication unit 11 also transmits data output from the control unit 13 to the lessee terminal 2 and the lessor terminal 3 via the network.

[0027] The storage unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk drive, etc. The storage unit 12 stores in advance programs to be executed by the control unit 13. The storage unit 12 may be provided outside the information processing device 1, in which case data may be exchanged between the storage unit 12 and the control unit 13 via a network.

[0028] The control unit 13 has a receiving unit 131, a burden entity determination unit 132, an insurance payment judgment unit 133, an amount determination unit 134, and an output unit 135. The control unit 13 is a processor such as a CPU (Central Processing Unit), and functions as the receiving unit 131, the burden entity determination unit 132, the insurance payment judgment unit 133, the amount determination unit 134, and the output unit 135 by executing a program stored in the storage unit 12.

[0029] The processing executed by the information processing system S will be explained in detail below. Figure 3 is a schematic diagram for explaining damaged areas in a property that are the subject of repair. The tenant uses the tenant terminal 2 to take an image of the damaged area in the property, or the landlord uses the lessor terminal 3 to take an image of the damaged area in the property. Damaged areas include, for example, holes, sinkholes, scratches, etc. in the walls, floors, ceilings, equipment, etc. of the property.

[0030] In addition, the lessee specifies the reason for the damage to the damaged area using the lessee terminal 2, or the lessor specifies the reason for the damage to the damaged area using the lessor terminal 3. The lessee terminal 2 or the lessor terminal 3, for example, accepts input of a character string indicating the reason for the damage, or accepts selection from a plurality of preset options for the reason for the damage.

[0031] The lessee terminal 2 or the lessor terminal 3 transmits image data generated by capturing an image of the damaged area and text data indicating the reason for the damage specified by the lessee or the lessor to the information processing device 1. In the information processing device 1, the receiving unit 131 receives the image data of the damaged area and the text data indicating the reason for the damage from the lessee terminal 2 or the lessor terminal 3.

[0032] Before the insurance payment judgment unit 133 described below determines whether the insurance payment conditions have been met, the burden determination unit 132 determines which of the tenant and the landlord will bear the repair costs for repairing the damaged area based on the image data and text data received by the receiving unit 131.

[0033] 4 is a schematic diagram illustrating a method by which the burden-bearing entity determination unit 132 determines a burden-bearing entity. The burden-bearing entity determination unit 132 includes, for example, a first machine learning model for determining a burden-bearing entity. The first machine learning model is a model that outputs information indicating which of the tenant and the landlord is the burden-bearing entity by inputting, for example, allocation data indicating the allocation of repair responsibilities for each type of damage, image data of the damaged area, and text data of the reason for the damage, and is expressed by mathematical formulas and parameters.

[0034] The allocation data is, for example, data showing a repair allocation table stipulated in the property lease agreement concluded between the tenant and the landlord, and is stored in advance in the storage unit 12. The repair allocation table is information that associates, for example, the type of damage (discoloration of the wall, scratches on the wall, etc.) with whether the tenant or the landlord will bear the repair costs for that type of damage.

[0035] The first machine learning model is generated in advance by executing a known machine learning process such as a deep neural network (DNN) using as training data the allocation data, training image data generated by photographing known damaged areas, training text data indicating the reason for the damage to the damaged areas, and correct answer data indicating whether the tenant or the landlord will bear the repair costs for the damaged areas, and is stored in memory unit 12.

[0036] The first machine learning model may be a model that outputs information indicating which of the tenant or the landlord is responsible for the cost, by inputting allocation data and image data of the damaged area, without inputting text data of the reason for the damage.

[0037] The burden-bearing entity determination unit 132 inputs the allocation data stored in advance in the storage unit 12 and the image data and text data received by the receiving unit 131 into a first machine learning model, and determines the lessee or lessor indicated by the information output by the first machine learning model as the burden-bearing entity. This allows the information processing system S to automatically determine the entity that will bear the repair costs, thereby reducing the effort required for the lessee and lessor to communicate with each other to determine the burden-bearing entity.

[0038] On the condition that the burden-bearing entity determination unit 132 has determined that the lessee is the burden-bearing entity, the insurance payment determination unit 133 determines whether or not the payment conditions for paying the insurance money for the insurance contracted by the lessee for damage to the property have been met, based on the image data and text data received by the receiving unit 131. On the other hand, if the burden-bearing entity determination unit 132 has determined that the lessor is the burden-bearing entity, the insurance payment determination unit 133 does not determine whether or not the payment conditions have been met.

[0039] 5 is a schematic diagram for explaining a method by which the insurance payment determination unit 133 determines whether or not the insurance payment conditions have been met. The insurance payment determination unit 133 includes, for example, a second machine learning model for determining the payment conditions. The second machine learning model is a model that outputs information indicating whether or not the insurance payment conditions have been met by inputting, for example, image data of the damaged area and text data of the reason for the damage, and is expressed by mathematical expressions and parameters.

[0040] The second machine learning model is generated in advance by executing a known machine learning process such as DNN using as training data training image data generated by imaging known damaged areas, training text data indicating the reason for the damage at the damaged areas, and correct answer data indicating whether the damaged areas meet the insurance payment conditions, and is stored in memory unit 12.

[0041] The second machine learning model may be a model that outputs information indicating whether the insurance payment conditions have been met by inputting image data of the damaged area, without inputting text data of the reason for the damage.

[0042] The insurance payment determination unit 133 inputs the image data and text data received by the receiving unit 131 into a second machine learning model, and determines whether the insurance payment conditions indicated by the information output by the second machine learning model have been met as the determination result of the payment conditions. This allows the information processing system S to automatically determine whether the insurance payment conditions have been met, thereby reducing the labor required for the lessee to check the insurance payment conditions.

[0043] On the condition that the burden determining unit 132 determines that the lessee is the burden bearer and the insurance payment determining unit 133 determines that the payment conditions are not satisfied, the amount determining unit 134 determines the repair costs to be borne by the lessee for repairing the damaged parts.

[0044] 6 is a schematic diagram illustrating a method by which the amount determination unit 134 determines repair costs. The amount determination unit 134 includes, for example, a third machine learning model for determining repair costs. The third machine learning model is a model that outputs information indicating the amount of repair costs to be borne by the tenant to repair the damaged area by inputting, for example, calculation reference data that serves as the basis for calculating the repair costs and image data of the damaged area, and is expressed by mathematical formulas and parameters.

[0045] The calculation standard data is, for example, data indicating the unit price of repair work and the unit of the object to be repaired, as determined in the property lease agreement concluded between the tenant and the lessor, and is pre-stored in the storage unit 12. The unit price of repair work is, for example, information that associates the type of damaged area with the unit price (such as the number of units or the amount per unit area) for repairing that type of damaged area. The unit of the object to be repaired is, for example, information that associates the type of damaged area with the unit (such as one tatami mat or one square meter of wall) for repairing that type of damaged area.

[0046] The third machine learning model is generated in advance by executing a known machine learning process such as DNN using calculation reference data, teacher image data generated by imaging known damaged areas, and correct answer data indicating the amount of repair costs for the damaged areas as teacher data, and is stored in memory unit 12.

[0047] The amount determination unit 134 inputs the calculation reference data stored in advance in the storage unit 12 and the image data received by the receiving unit 131 into a third machine learning model, and determines the amount indicated by the information output by the third machine learning model as the repair cost. The amount determination unit 134 is not limited to the specific method shown here, and may calculate the repair cost using other methods. This allows the information processing system S to automatically determine the repair cost, thereby reducing the effort required for communication between the tenant and the landlord to determine the repair cost.

[0048] The amount determination unit 134 may determine the amount of insurance for damage to the property, provided that the burden determination unit 132 determines that the lessee is the burden entity and the insurance payment determination unit 133 determines that the payment conditions are met.

[0049] In this case, the amount determination unit 134 determines the insurance money according to a standard different from the standard for determining the repair costs. For example, the amount determination unit 134 inputs the calculation standard data pre-stored in the storage unit 12 and the image data received by the receiving unit 131 into the third machine learning model described above, and calculates the insurance money by adding or subtracting predetermined expenses (settlement negotiation costs, litigation costs, etc.) to the amount indicated by the information output by the third machine learning model. The amount determination unit 134 is not limited to the specific method shown here, and may calculate the insurance money using other methods. This allows the information processing system S to automatically determine the insurance money, thereby reducing the effort required for communication between the lessee and the insurance provider to determine the insurance money.

[0050] The output unit 135 outputs at least a portion of the information determined by the burden determination unit 132, the insurance payment judgment unit 133, and the amount determination unit 134. Fig. 7 is a schematic diagram for explaining the information output by the output unit 135. In the example of Fig. 7, the lessee terminal 2 displays the information output by the output unit 135, but the lessor terminal 3 may also display the information output by the output unit 135.

[0051] The output unit 135 outputs, for example, information indicating the burden entity (tenant or lessor) determined by the burden entity determination unit 132. The output unit 135 may output, for example, information indicating that the insurance money will be paid on condition that the insurance money payment determination unit 133 determines that the payment conditions are met, and may output information indicating that the insurance money will not be paid on condition that the insurance money payment determination unit 133 determines that the payment conditions are not met.

[0052] The output unit 135 may output information indicating the repair costs determined by the amount determination unit 134, on the condition that, for example, the burden entity determination unit 132 determines that the lessee is the burden entity and the insurance payment determination unit 133 determines that the payment conditions are not satisfied. The output unit 135 may output information indicating the insurance money determined by the amount determination unit 134, on the condition that, for example, the burden entity determination unit 132 determines that the lessee is the burden entity and the insurance payment determination unit 133 determines that the payment conditions are satisfied.

[0053] The output unit 135 may output image data and text data used to determine the information determined by the burden determination unit 132, the insurance payment judgment unit 133, and the amount determination unit 134. The output unit 135 is not limited to the specific information shown here, and may output other information.

[0054] The output unit 135 transmits the output information to at least one of the lessee terminal 2 and the lessor terminal 3. The lessee terminal 2 or the lessor terminal 3 displays the information received from the information processing device 1 on a display unit. In the example of FIG. 7, the lessee terminal 2 displays image data of the damaged area and text data of the reason for the damage, as well as a determination result including information indicating that the lessee is the responsible party for the costs and information indicating that the insurance claim for the property damage will be paid. This allows the information processing system S to easily allow the lessee or lessor to understand information regarding property repairs.

[0055] Furthermore, the output unit 135 may output information for paying the insurance money determined by the amount determination unit 134 to a device that executes processing to pay the insurance money. The information for paying the insurance money includes, for example, the amount of the insurance money and identification information for identifying the tenant, lessor, or business that repairs the property that has been preset as the recipient of the insurance money. The device that executes processing to pay the insurance money executes processing to pay the insurance money to the tenant, lessor, or business that repairs the property based on the information output by the information processing device 1. This allows the information processing system S to automatically pay the insurance money, thereby reducing the effort required for insurance payment procedures.

[0056] [Information processing method flow] 8 is a diagram showing a flowchart of an exemplary information processing method executed by the information processing device 1 according to this embodiment. In the information processing device 1, the receiving unit 131 receives image data of the damaged area from the lessee terminal 2 or the lessor terminal 3 (S11), and also receives text data of the reason for the damage (S12).

[0057] The burden-bearing entity determining unit 132 determines, based on the image data and text data received by the receiving unit 131, who of the lessee and the lessor will bear the repair costs for repairing the damaged portion (S13).

[0058] If the burden-bearing entity determination unit 132 determines that the lessee is not the burden bearer (that is, the lessor is the burden bearer) (NO in S14), the information processing device 1 proceeds to step S19.

[0059] If the burden determination unit 132 determines that the lessee is the burden party (YES in S14), the insurance payment determination unit 133 determines whether or not the payment conditions for paying the insurance money for the insurance contracted by the lessee for damage to the property have been met, based on the image data and text data received by the receiving unit 131 (S15).

[0060] If the insurance payment determination unit 133 determines that the payment conditions are met (YES in S16), the amount determination unit 134 determines the amount of insurance for the damage to the property (S17).If the insurance payment determination unit 133 determines that the payment conditions are not met (NO in S16), the amount determination unit 134 determines the repair costs to be borne by the lessee to repair the damaged area (S18).

[0061] The output unit 135 outputs at least part of the information indicating the burden entity determined by the burden entity determination unit 132 in step S13, information indicating the judgment result of the payment conditions determined by the insurance payment judgment unit 133 in step S15, information indicating the insurance payment determined by the amount determination unit 134 in step S17, and information indicating the repair costs determined by the amount determination unit 134 in step S18 (S19).

[0062] [Effects of the embodiment] According to the information processing system S of this embodiment, the information processing device 1 automatically determines whether or not to pay insurance money for damage to a property based on image data of the damaged areas in the property. This allows the lessee to easily use insurance without having to understand the details of the insurance terms for damage to the property, thereby reducing potential disputes between the lessee and the lessor and reducing the effort required for repairs to the property when the lessee moves out. Furthermore, the information processing device 1 automatically determines the entity responsible for paying repair costs based on image data of the damaged areas in the property and automatically calculates the repair costs and insurance money, further reducing the effort required for repairs to the property when the lessee moves out.

[0063] [Variations] While the information processing device 1 according to the above-described embodiment calculates repair costs based on calculation reference data and image data, the information processing device 1 according to this modification calculates repair costs based on calculation reference data, image data, and actual data on insurance payments made in the past. The following mainly describes the differences from the above-described embodiment.

[0064] 9 is a schematic diagram illustrating a method for determining repair costs by the amount determination unit 134 according to this modification. On the condition that the burden-bearing entity determination unit 132 determines that the lessee is the burden-bearing entity and the insurance payment determination unit 133 determines that the payment conditions are not satisfied, the amount determination unit 134 inputs, for example, calculation reference data stored in advance in the storage unit 12 and the image data received by the receiving unit 131 into the third machine learning model described above, and obtains the amount indicated by the information output by the third machine learning model.

[0065] The amount determination unit 134 acquires actual data on insurance money paid in the past from the storage unit 12. The actual data is, for example, data indicating the actual amount of insurance money paid in the past through insurance for damage to property, and is stored in advance in the storage unit 12. The actual data includes, for example, information associating the type of damage (discoloration of a wall, scratches on a wall, etc.) with insurance money paid in the past for repairing that type of damage.

[0066] The amount determination unit 134, for example, compares the amount calculated from the calculation reference data and image data of the damaged area with the insurance money indicated by the performance data for the type of damage at the damaged area. For example, if the difference or ratio between the amount and the insurance money indicated by the performance data is equal to or greater than a predetermined threshold, the amount determination unit 134 determines that the amount is inappropriate, and if not, determines that the amount is appropriate.

[0067] When the amount determination unit 134 determines that the amount calculated from the calculation reference data and the image data of the damaged area is appropriate, it determines that amount as the repair cost. On the other hand, when the amount determination unit 134 determines that the amount calculated from the calculation reference data and the image data of the damaged area is inappropriate, it calculates the repair cost by making a predetermined change to the amount (for example, a change to match the insurance payment indicated by the performance data), or outputs the amount together with information indicating that the amount is inappropriate.

[0068] According to the information processing system S of this modified example, repair costs calculated based on the calculation standard data and image data can be compared with past insurance payment records, making it easier for tenants to determine whether the repair costs are appropriate.

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

[0070] S Information Processing System 1. Information processing equipment 11 Communications Department 12 Storage section 13 Control Unit 131 Receiving unit 132 Responsibility Determination Department 133 Insurance Payment Judgment Department 134 Amount Determination Department 135 Output section 2. Renter's terminal 3 Renter's terminal

Claims

1. a receiving unit that receives image data generated by capturing an image of a damaged area in a property rented by a tenant from a lessor; a burden-bearing entity determination unit that determines, based on the image data, which of the lessee and the lessor will bear the repair costs for repairing the part; an insurance payment determination unit that determines, on the condition that the burden entity determination unit has determined that the lessee is the burden entity, whether or not a payment condition for paying an insurance claim for damage to the property that is an insurance contracted by the lessee has been met, based on the image data received by the receiving unit; an amount determination unit that determines the repair costs to be borne by the lessee based on the image data and performance data indicating the insurance money previously paid under the insurance, on the condition that the burden determination unit has determined that the lessee is the burden entity and the insurance payment determination unit has determined that the payment conditions have not been satisfied; an output unit that outputs information indicating that the insurance payment will be paid on condition that the insurance payment determination unit determines that the payment conditions are met, and outputs information indicating the repair costs on condition that the insurance payment determination unit determines that the payment conditions are not met; An information processing device having the above.

2. The insurance payment determination unit determines whether the payment conditions are satisfied by inputting the image data into a machine learning model generated by learning teacher image data generated by imaging a predetermined location and correct answer data indicating whether the location satisfies the payment conditions. The information processing device according to claim 1 .

3. the receiving unit receives text data indicating a reason for damage to the location designated by the lessee or the lessor, the insurance payment determination unit determines whether the payment conditions are satisfied based on the image data and the text data. The information processing device according to claim 1 .

4. the amount determination unit determines the insurance money according to a standard different from the standard for determining the repair costs, on the condition that the burden entity determination unit determines that the lessee is the burden entity and the insurance money payment determination unit determines that the payment conditions are satisfied; 3. The information processing device according to claim 1 or 2.

5. The processor executes receiving image data generated by the tenant capturing an image of a damaged area in the property rented from the lessor; determining, based on the image data, which of the lessee and the lessor will bear the repair costs for repairing the part; a step of determining whether or not a payment condition for paying an insurance claim for damage to the property, which is an insurance contracted by the lessee, has been satisfied based on the image data received in the receiving step, on the condition that the lessee has been determined to be the burden-bearing entity in the determining step; a step of determining the repair costs to be borne by the lessee based on the image data and performance data indicating the insurance money previously paid under the insurance, on the condition that the lessee is determined to be the burden party in the determining step and that the payment conditions are not satisfied in the judging step; a step of outputting information indicating that the insurance money will be paid, on the condition that it has been determined in the determining step that the payment conditions have been satisfied; a step of outputting information indicating the repair cost on the condition that it is determined in the determining step that the payment conditions are not satisfied; An information processing method comprising:

6. The processor receiving image data generated by the tenant capturing an image of a damaged area in the property rented from the lessor; determining, based on the image data, which of the lessee and the lessor will bear the repair costs for repairing the part; a step of determining whether or not a payment condition for paying an insurance claim for damage to the property, which is an insurance contracted by the lessee, has been satisfied based on the image data received in the receiving step, on the condition that the lessee has been determined to be the burden-bearing entity in the determining step; a step of determining the repair costs to be borne by the lessee based on the image data and performance data indicating the insurance money previously paid under the insurance, on the condition that the lessee is determined to be the burden party in the determining step and that the payment conditions are not satisfied in the judging step; a step of outputting information indicating that the insurance money will be paid, on the condition that it has been determined in the determining step that the payment conditions have been satisfied; a step of outputting information indicating the repair cost on the condition that it is determined in the determining step that the payment conditions are not satisfied; A program that executes.

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