Information processing device, information processing method, and program

Abstract

To propose measures against damage that may occur due to weather, taking into consideration the situation of each user. [Solution] An information processing device 1 according to one embodiment of the present invention has an insurance information acquisition unit that acquires insurance information indicating the details of the insurance subscribed to by the user, a weather information acquisition unit that acquires weather information indicating current or future weather, a decision unit that determines measures to be suggested to the user regarding the object based on the relationship between the insured object indicated by the insurance information and the weather indicated by the weather information at the location where the object indicated by the insurance information is located, and a transmission unit that transmits measure information indicating the measures to be taken to an information terminal associated with the user.

Description

[Technical Field]

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

[0002] Patent Document 1 describes a system that predicts damage from disasters based on meteorological information and suggests disaster prevention actions to take in the event of a disaster. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2020-201704 Summary of the Invention [Problem to be solved by the invention]

[0004] Weather events such as hail, heavy rain, and strong winds can cause damage to vehicles, buildings, and other properties owned by users. Since the types and locations of the properties owned by each user vary from user to user, each user must take measures against the weather depending on the user's situation. However, the system described in Patent Document 1 cannot propose weather countermeasures that take into account the situation of each user.

[0005] The present invention has been made in consideration of these points, and aims to be able to propose measures against damage that may occur due to weather, taking into account the circumstances of each user. [Means for solving the problem]

[0006] An information processing device of a first aspect of the present invention includes an insurance information acquisition unit that acquires insurance information indicating the details of the insurance to which a user has subscribed; a weather information acquisition unit that acquires weather information indicating current or future weather; a decision unit that determines countermeasures to be proposed to the user regarding the object indicated by the insurance information based on the relationship between the object of the insurance indicated by the insurance information and the weather indicated by the weather information at the location where the object indicated by the insurance information is located; and a transmission unit that transmits countermeasure information indicating the countermeasures to an information terminal associated with the user.

[0007] The determination unit may determine the countermeasure including information according to the degree of the weather impact on the location.

[0008] The determination unit may determine the countermeasure including information according to map information within a predetermined range including the location.

[0009] The determination unit may determine the countermeasure including information corresponding to insurance claim information relating to insurance money claimed in the past for a situation that is the same as or similar to a situation including the object and the weather.

[0010] The user may have taken out insurance for a plurality of the objects, and the decision unit may decide on the countermeasure including information according to a combination of the plurality of objects indicated by the insurance information.

[0011] The measures may be determined including information according to at least one of the age and construction method of the building, which is the object indicated by the insurance information.

[0012] The transmission unit may transmit, to the information terminal, information corresponding to whether or not damage to the object caused by the weather is covered by the insurance.

[0013] The transmission unit may transmit, to the information terminal, information indicating a product for taking measures against the weather indicated by the weather information, which is applicable to the object indicated by the insurance information.

[0014] An information processing method of a second aspect of the present invention includes the steps of: executing, by a processor, acquiring insurance information indicating the details of the insurance subscribed to by a user; acquiring weather information indicating current or future weather; determining measures to be proposed to the user regarding the object insured, based on the relationship between the object indicated by the insurance information and the weather indicated by the weather information at the location where the object indicated by the insurance information is located; and transmitting measure information indicating the measures to be proposed to the user to an information terminal associated with the user.

[0015] A third aspect of the program of the present invention causes a processor to execute the steps of acquiring insurance information indicating the details of the insurance subscribed to by a user, acquiring weather information indicating current or future weather, determining measures to be proposed to the user regarding the object insured based on the relationship between the object indicated by the insurance information and the weather indicated by the weather information at the location where the object indicated by the insurance information is located, and transmitting measure information indicating the measures to be proposed to the user. [Effects of the Invention]

[0016] According to the present invention, it is possible to propose measures against damage that may occur due to weather, taking into consideration the situation of each user. [Brief explanation of the drawings]

[0017] [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] 10 is a schematic diagram for explaining a process in which an insurance information acquisition unit acquires insurance information. FIG. [Figure 4] 3 is a schematic diagram for explaining a process in which a weather information acquisition unit acquires weather information; FIG. [Figure 5] 10 is a schematic diagram for explaining a process in which a determination unit determines a measure for an object. FIG. [Figure 6] 10A and 10B are schematic diagrams for explaining exemplary measures for an object determined by a determination unit. [Figure 7] FIG. 10 is a schematic diagram of an information terminal displaying exemplary countermeasure information. [Figure 8] FIG. 10 is a flowchart illustrating an exemplary information processing method executed by an information processing apparatus according to an embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0018] 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 and an information terminal 2. The information processing system S may also include other terminals, devices, etc.

[0019] The information processing device 1 is a computer that performs processing related to weather information. Weather information is information indicating current or future weather. Weather information indicates, for example, heavy rain, strong winds, hail, sleet, typhoons, lightning strikes, etc. The information processing device 1 may be a single device or multiple devices. Furthermore, the information processing device 1 may be one or multiple virtual servers operating on a cloud, which is a collection of computer resources.

[0020] The information terminal 2 is a computer used by a user. The user is a person who has taken out a specified insurance policy. The user has contracted insurance for damage to a specified object with an insurance provider (such as an insurance company) that provides the insurance. The insurance contracted by the user includes, for example, property insurance for vehicles, buildings, agricultural products, livestock, etc., and life insurance for the user himself or herself or other people. When specified damage occurs to the object, the user can receive the insurance money specified in the insurance contract by filing a claim for insurance money with the insurance provider.

[0021] The information terminal 2 is, for example, an information terminal such as a smartphone, a tablet terminal, or a personal computer. The information terminal 2 has a display unit such as a liquid crystal display for displaying information and an operation unit such as a touch panel for receiving operations. The information terminal 2 is associated in advance with a user by setting identification information (ID: identifier) ​​for identifying the user. The information terminal 2 transmits and receives information to and from the information processing device 1 via wireless communication or wired 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 acquires insurance information indicating the details of insurance to which the user has subscribed. The insurance information is provided, for example, by an insurance company with which the user has an insurance contract, and is stored in advance in an insurance information database.

[0023] The information processing device 1 acquires weather information indicating current or future weather conditions. The weather information is provided, for example, by the Japan Meteorological Agency, a local government, or other external organizations, and is stored in advance in a weather information database.

[0024] The information processing device 1 determines countermeasures for the object to be proposed to the user based on the relationship between the insured object indicated by the insurance information and the weather indicated by the weather information at the location where the object indicated by the insurance information is located. The countermeasures are preparations made by the user regarding the object, such as moving or protecting the object. The information processing device 1 transmits countermeasure information indicating the countermeasures to the information terminal 2 associated with the user.

[0025] With this configuration, the information processing system S uses information about the insurance that the user has subscribed to to notify the user of measures to be taken against damage that may occur due to weather, regarding the insured property. This allows the information processing system S to propose measures against damage that may occur due to weather, taking into account the situation of each user.

[0026] [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.

[0027] 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.

[0028] The communication unit 11 has a communication controller for transmitting and receiving data to and from the information terminal 2 via the network. The communication unit 11 notifies the control unit 13 of data received from the information terminal 2 via the network. The communication unit 11 also transmits data output from the control unit 13 to the information terminal 2 via the network.

[0029] 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.

[0030] The control unit 13 has an insurance information acquisition unit 131, a weather information acquisition unit 132, a determination unit 133, and a transmission unit 134. The control unit 13 is a processor such as a CPU (Central Processing Unit), and functions as the insurance information acquisition unit 131, the weather information acquisition unit 132, the determination unit 133, and the transmission unit 134 by executing a program stored in the storage unit 12.

[0031] The following describes in detail the processing executed by the information processing system S. The information processing device 1 executes the following processing for each of one or more users who have subscribed to a predetermined insurance policy and who are the target of a proposed weather countermeasure. The insurance information acquisition unit 131 acquires insurance information indicating the details of the insurance subscribed to by the user.

[0032] 3 is a schematic diagram for explaining the process of acquiring insurance information by the insurance information acquisition unit 131. The insurance information includes information about the object that is the subject of insurance under a contract with an insurance company. The object of insurance is, for example, a vehicle, building, agricultural products, livestock, etc. that is the subject of non-life insurance, or the user himself or herself or other people that is the subject of life insurance.

[0033] The insurance information may include, for example, the user's name, the user's contact information (phone number, email address, etc.), the insurance product name, the date of insurance enrollment, the insured object (type of vehicle, building, etc.), and the location where the object is located (address, coordinates, etc.). The insurance information may also include information indicating ancillary facilities (garage, etc.) of the building that is the insured object, the age of the building, and the construction method. The insurance information may also include other information related to the insurance or the object.

[0034] The insurance information is provided, for example, by an insurance company with which the user has an insurance contract, and is stored in advance in an insurance information database constructed in the storage unit 12 or another storage device. The insurance information acquisition unit 131 acquires the insurance information from the insurance information database.

[0035] When one user has insurance for multiple objects, the insurance information acquisition unit 131 may acquire multiple pieces of insurance information corresponding to the multiple objects. The insurance information acquisition unit 131 may acquire insurance information directly from a server provided by an insurance company without going through an insurance information database.

[0036] The weather information acquisition unit 132 acquires weather information indicating current or future weather conditions. Fig. 4 is a schematic diagram for explaining the process in which the weather information acquisition unit 132 acquires weather information.

[0037] The weather information includes information about the weather in a specific area. Examples of weather indicated by the weather information include heavy rain, strong winds, hail, sleet, typhoons, lightning strikes, etc. The weather information includes, for example, areas affected by the weather, the period during which the weather occurs, the type of weather (heavy rain, strong winds, hail, etc.), the risk of the weather, and the accuracy of the weather forecast. The weather information may also include other information related to the weather.

[0038] The weather information is provided, for example, by the Japan Meteorological Agency, a local government, or other external organizations, and is stored in advance in a weather information database constructed in the storage unit 12 or other storage device. The weather information acquisition unit 132 acquires weather information from the weather information database.

[0039] The weather information acquisition unit 132 acquires weather information for only the area including the location indicated by the insurance information acquired by the insurance information acquisition unit 131, or acquires weather information for all areas. The weather information acquisition unit 132 may acquire weather information directly from a server provided by the Japan Meteorological Agency, a local government, or other external organization, without going through a weather information database.

[0040] The determination unit 133 determines a measure for the object to be proposed to the user based on the insurance information acquired by the insurance information acquisition unit 131 and the weather information acquired by the weather information acquisition unit 132. Fig. 5 is a schematic diagram for explaining the process of the determination unit 133 determining a measure for the object.

[0041] The determination unit 133 determines measures regarding the object to be suggested to the user based on the relationship between the object of insurance indicated by the insurance information and the weather indicated by the weather information at the location where the object indicated by the insurance information is located.

[0042] The determination unit 133 may determine a countermeasure using, for example, a database that stores a plurality of countermeasures that are previously constructed in the storage unit 12 or another device. In this case, the database stores, for example, each of the plurality of countermeasures in association with weather and an object. The determination unit 133 identifies the weather indicated by the weather information acquired by the weather information acquisition unit 132, in an area including the location where the object indicated by the insurance information acquired by the insurance information acquisition unit 131 is located. In the database that stores a plurality of countermeasures, the determination unit 133 identifies a countermeasure that is associated with the identified weather and the object indicated by the insurance information acquired by the insurance information acquisition unit 131.

[0043] The decision unit 133 may decide on a countermeasure using, for example, a machine learning model stored in advance in the storage unit 12 or another device. In this case, the machine learning model is generated in advance by machine learning a large amount of digital data using a known deep learning process such as a DNN (Deep Neural Network). The machine learning model is configured to output a countermeasure for the insured object by inputting insurance information and weather information.

[0044] The determination unit 133 inputs the insurance information acquired by the insurance information acquisition unit 131 and the weather information acquired by the weather information acquisition unit 132 into a machine learning model, and determines the content output by the machine learning model as a countermeasure.

[0045] 6(a) and 6(b) are schematic diagrams for explaining exemplary countermeasures for an object determined by the determination unit 133. Fig. 6(a) shows an example in which the determination unit 133 determines a countermeasure according to the location where the object is located.

[0046] The determination unit 133 acquires, for example, disaster risk estimation information (such as a hazard map) indicating the degree of weather impact for each location (such as an address or coordinates) provided by a national government, local government, or the like. The determination unit 133 uses the acquired disaster risk estimation information to identify the degree of weather impact on the location where the object indicated by the insurance information is located. The determination unit 133 determines countermeasures including different information depending on the identified degree of weather impact. For example, the determination unit 133 determines countermeasures including the installation of sandbags or waterstop panels for locations with a relatively deep flood depth, and determines countermeasures including evacuation to an evacuation shelter for locations with a relatively high risk of landslides. This allows the information processing system S to propose appropriate countermeasures depending on the degree of weather impact expected for the location where the object is located.

[0047] Furthermore, the determination unit 133 acquires, for example, evacuation shelter information indicating the location, facilities, etc. of evacuation shelters provided by the national government, local government, etc. The determination unit 133 executes a known route determination process to determine an evacuation route from the location where the object indicated by the insurance information is located to the evacuation shelter indicated by the acquired evacuation shelter information. Here, it is desirable that the determination unit 133 uses the disaster prediction information to determine an evacuation route that does not pass through points that are prone to flooding, such as underpasses. This allows the information processing system S to support the user in evacuating from the location where the object is located.

[0048] FIG. 6(b) shows an example in which the determination unit 133 determines a countermeasure according to past insurance claim information. The determination unit 133 acquires, for example, insurance claim information relating to insurance claims claimed in the past provided by an insurance company. The insurance claim information includes information (damage details, damage amount, etc.) relating to insurance claims claimed in the past by other users different from the user for situations identical or similar to the situation including the object indicated by the insurance information and the situation indicated by the weather information. The determination unit 133 determines a countermeasure including information according to the acquired insurance claim information (such as responses to damages that occurred in the same or similar situation). This allows the information processing system S to propose appropriate countermeasures taking into account the situations in which insurance claims were claimed in the past.

[0049] Furthermore, the determination unit 133 may determine a measure including information according to a combination of multiple objects, on the condition that the insurance information indicates that the user has subscribed to one or more insurance policies covering multiple objects (vehicles, buildings, etc.). For example, when the multiple objects include a vehicle and a building with a garage, the determination unit 133 determines a measure to put the vehicle in a garage. This allows the information processing system S to propose an appropriate measure taking into account the combination of multiple objects.

[0050] Furthermore, the determination unit 133 may determine countermeasures that include information according to at least one of the age and construction method of the building, which is the object indicated by the insurance information. For example, the determination unit 133 determines countermeasures that include evacuation to a shelter for an old building, and determines countermeasures to prevent fires for a wooden building. This allows the information processing system S to propose appropriate countermeasures in consideration of the building information indicated by the insurance information.

[0051] As other countermeasures, for example, when the location where the object is located is unroofed, the determination unit 133 may determine a countermeasure including evacuation to an indoor parking lot within a predetermined range. For example, when the object is agricultural produce, the determination unit 133 may determine a countermeasure including early harvesting or shipping of the agricultural produce, removing snow from a greenhouse where the agricultural produce is grown, etc. For example, when weather information indicates the possibility of a lightning strike, the determination unit 133 may determine a countermeasure including having the user go indoors. The determination unit 133 is not limited to the specific countermeasures shown here, and may determine other countermeasures according to insurance information and weather information.

[0052] The transmitting unit 134 transmits countermeasure information indicating the countermeasure decided by the deciding unit 133 to the information terminal 2 associated with the user. It is desirable that the transmitting unit 134 transmits the countermeasure information to the information terminal 2 before the period in which the weather indicated in the weather information will occur. The information terminal 2 displays the countermeasure information transmitted by the information processing device 1 on the display unit.

[0053] 7 is a schematic diagram of an information terminal 2 displaying exemplary countermeasure information. The information terminal 2 displays, for example, information indicating an object and one or more countermeasures related to the object in association with each other. This allows the information processing system S to propose countermeasures against damage that may occur due to weather, taking into account the situation of each user.

[0054] The transmission unit 134 may transmit information corresponding to whether or not weather-related damage to the object is covered by insurance to the information terminal 2. In this case, the determination unit 133 determines whether or not the insurance indicated by the insurance information covers damage caused by the weather indicated by the weather information (for example, whether or not the insurance covers flood damage in a situation where heavy rain is predicted). The transmission unit 134 transmits information indicating whether or not weather-related damage to the object is covered by insurance to the information terminal 2 based on the determination result by the determination unit 133, prior to the period during which the weather indicated by the weather information will occur. This enables the information processing system S to notify the user whether or not weather-related damage to the object is covered by insurance.

[0055] The transmission unit 134 may transmit information indicating a product for dealing with weather that is applicable to the object to the information terminal 2. In this case, the determination unit 133 extracts a product (for example, a body cover that fits the vehicle) for dealing with weather indicated by the weather information that is applicable to the object indicated by the insurance information from a database that stores information on multiple products. The transmission unit 134 transmits information indicating the extracted product to the information terminal 2. This allows the information processing system S to suggest a product for dealing with weather that is suitable for the object.

[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. The insurance information acquisition unit 131 acquires insurance information indicating the details of the insurance to which the user has subscribed (S11). The insurance information is provided, for example, by an insurance company with which the user has an insurance contract, and is stored in advance in an insurance information database constructed in the memory unit 12 or another storage device.

[0057] The weather information acquisition unit 132 acquires weather information indicating current or future weather (S12). The weather information is provided, for example, by the Japan Meteorological Agency, a local government, or other external organizations, and is stored in advance in a weather information database constructed in the storage unit 12 or other storage device.

[0058] The determination unit 133 determines a countermeasure for the object to be proposed to the user (S13) based on the insurance information acquired by the insurance information acquisition unit 131 and the weather information acquired by the weather information acquisition unit 132. The countermeasure is, for example, preparations made by the user regarding the object, such as moving or protecting the object.

[0059] The transmitting unit 134 transmits the countermeasure information determined by the determining unit 133 to the information terminal 2 associated with the user (S14). The information terminal 2 displays the countermeasure information transmitted by the information processing device 1 on the display unit.

[0060] [Effects of the embodiment] According to the information processing system S of this embodiment, the information processing device 1 uses information on the insurance that the user has subscribed to to notify the user of measures to be taken against damage that may occur due to weather, regarding the insured property. This allows the information processing system S to propose measures against damage that may occur due to weather, taking into account the situation of each user.

[0061] 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]

[0062] S Information Processing System 1. Information processing equipment 11 Communications Department 12 Storage section 13 Control Unit 131 Insurance Information Acquisition Department 132 Weather Information Acquisition Department 133 Decision Section 134 Transmitter 2. Information terminal

Claims

1. an insurance information acquisition unit that acquires insurance information indicating the details of insurance to which the user has subscribed; a weather information acquisition unit that acquires weather information indicating current and future weather; a decision unit that decides measures regarding the object to be proposed to the user according to a relationship between the object of insurance indicated by the insurance information and the weather indicated by the meteorological information at a location where the object indicated by the insurance information is located; a transmitting unit that transmits countermeasure information indicating the countermeasure to an information terminal associated with the user; and the determination unit uses insurance claim information indicating damage details in situations in which insurance claims have been filed in the past to identify damage details in situations that are the same as or similar to a situation involving the object and the weather, and determines the measures to prevent the identified damage details; Information processing device.

2. the determination unit determines the countermeasure including information according to the degree of impact of the weather on the location. The information processing device according to claim 1 .

3. the determination unit determines the countermeasure including information according to map information within a predetermined range including the location.

3. The information processing device according to claim 1 or 2.

4. The user has purchased the insurance for a plurality of the objects, the determination unit determines the countermeasure including information corresponding to a combination of the plurality of objects indicated by the insurance information.

3. The information processing device according to claim 1 or 2.

5. determining the countermeasure including information according to at least one of the age and construction method of the building, which is the object indicated by the insurance information; 3. The information processing device according to claim 1 or 2.

6. the transmitting unit transmits to the information terminal information corresponding to whether or not damage to the object caused by the weather is covered by the insurance.

3. The information processing device according to claim 1 or 2.

7. the transmitting unit transmits to the information terminal information indicating a product for taking measures against the weather indicated by the weather information, which is applicable to the object indicated by the insurance information; 3. The information processing device according to claim 1 or 2.

8. The processor executes acquiring insurance information indicating the details of insurance to which the user has subscribed; obtaining meteorological information indicative of current and future weather; determining a measure to be proposed to the user regarding the object in accordance with a relationship between the object of insurance indicated by the insurance information and the weather indicated by the meteorological information at a location where the object indicated by the insurance information is located; transmitting countermeasure information indicating the countermeasure to an information terminal associated with the user; and In the determining step, insurance claim information indicating damage details in situations where insurance claims have been made in the past is used to identify the damage details in a situation that is the same as or similar to the situation involving the object and the weather, and the measures to prevent the identified damage details are determined. Information processing methods.

9. The processor acquiring insurance information indicating the details of insurance to which the user has subscribed; obtaining meteorological information indicative of current and future weather; determining a measure to be proposed to the user regarding the object in accordance with a relationship between the object of insurance indicated by the insurance information and the weather indicated by the meteorological information at a location where the object indicated by the insurance information is located; transmitting countermeasure information indicating the countermeasure to an information terminal associated with the user; Execute In the determining step, insurance claim information indicating damage details in situations where insurance claims have been made in the past is used to identify the damage details in a situation that is the same as or similar to the situation involving the object and the weather, and the measures to prevent the identified damage details are determined. program.

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