Insurance claim filing device, insurance claim filing method, and insurance claim filing program

Abstract

A measurement unit (113) measures a size related to a region of interest on the basis of point cloud data. A position identification unit (114) identifies a position of interest, which is the position of the region of interest, on the basis of: a terminal position, which is the position of an insurance claim filing device (10) identified from positioning information; a sensor direction, which is the direction of an optical sensor when irradiating light was emitted; and the distance to the region of interest from the insurance claim filing device (10) identified from the point cloud data. A data generation unit (115) generates insurance claim filing data including position information indicating the position of interest and size information indicating the size.

Description

Insurance application device, insurance application method, and insurance application program

[0001] The present disclosure relates to a technology for generating insurance application data to be sent to an insurance company when applying for non-life insurance.

[0002] When a house is damaged by a typhoon or other disaster, a non-life insurance company receives a call from the policyholder and dispatches an adjuster to the policyholder's building to determine whether the damage meets the requirements for insurance payment. However, it is time-consuming for an adjuster to visit each home that receives a call and determine whether the requirements for payment are met. Therefore, some insurance companies allow policyholders to measure the damage using an application program for measuring the damage installed on their smartphones, etc., and determine whether the requirements for payment are met based on the measurement results.

[0003] Patent Document 1 describes measuring flood height using a smartphone or the like.

[0004] Patent No. 7026831

[0005] When an insurance policyholder performs measurements, the measurements may not be appropriate. In some cases, fraudulent practices may occur, such as measuring damage to a building for which an insurance claim has already been filed. Furthermore, fraudulent practices may occur, such as measuring damage to a neighboring building rather than the building owned by the insurance policyholder and filing an insurance claim. The present disclosure aims to enable the generation of insurance claim data that makes fraud and other such practices difficult to implement.

[0006] The insurance application device according to the present disclosure is an insurance application device that generates insurance application data for filing an insurance application, and includes: a data acquisition unit that acquires point cloud data, which is a plurality of point data indicating the positions of reflection points obtained by measuring a target area using an optical sensor that measures the positions of the reflection points by irradiating irradiation light and receiving reflected light reflected from the reflection points; a measurement unit that measures the size of the target area based on the point cloud data acquired by the data acquisition unit; a position identification unit that identifies a target position, which is the position of the target area, from a terminal position, which is the position of the insurance application device, identified from positioning information, a sensor orientation, which is the orientation of the optical sensor when the irradiation light was irradiated, and a distance from the insurance application device to the target area, identified from the point cloud data; and a data generation unit that generates insurance application data including position information indicating the target position identified by the position identification unit and size information indicating the size.

[0007] In the present disclosure, insurance claim data is generated that includes location information indicating the location of the measured target area. By filing an insurance claim using this insurance claim data, it becomes difficult to commit fraud, such as re-measuring a damaged area for which an insurance claim has already been filed in the past and filing an insurance claim again.

[0008] 1. A configuration diagram of a damage assessment system 100 according to embodiment 1. A configuration diagram of an insurance application device 10 according to embodiment 1. A configuration diagram of a master management device 20 according to embodiment 1. A flowchart showing the operation of the damage assessment system 100 according to embodiment 1. An explanatory diagram of user information 231 according to embodiment 1. An explanatory diagram of contract information 232 according to embodiment 1. An explanatory diagram of data acquisition processing according to embodiment 1. An explanatory diagram of effects according to embodiment 1. An explanatory diagram of effects according to embodiment 1. An explanatory diagram of contract information 232 according to embodiment 2. A flowchart showing the operation of the damage assessment system 100 according to embodiment 2.

[0009] Embodiment 1. ***Description of Configuration*** The configuration of a damage assessment system 100 according to embodiment 1 will be described with reference to FIG. 1. The damage assessment system 100 includes an insurance application device 10 and a master management device 20. The insurance application device 10 and the master management device 20 are connected via a transmission path 30. The insurance application device 10 is a computer such as a smartphone or tablet terminal that measures the flood height or damage of a building and submits an insurance application. The insurance application device 10 may be a computer mounted on a mobile object such as a drone. The master management device 20 is a computer such as a server that manages information about buildings and insurance contracts. The transmission path 30 is a network such as a cellular communication network and the Internet.

[0010] The configuration of the insurance application device 10 according to the first embodiment will be described with reference to FIG. 2 . The insurance application device 10 is a computer. The insurance application device 10 includes hardware components, such as a processor 11, a memory 12, a storage 13, and a communication interface 14. The processor 11 is connected to other hardware components via signal lines and controls the other hardware components. The insurance application device 10 is connected to an optical sensor 141, such as a LiDAR, an optical camera 142, and a positioning antenna 143 via the communication interface 14. LiDAR stands for Light Detection and Ranging. While the optical sensor 141, the optical camera 142, and the positioning antenna 143 are shown mounted on the insurance application device 10 in FIG. 2 , they may be provided externally to the insurance application device 10. The positioning antenna 143 is a device for receiving positioning information, such as a GPS signal. GPS stands for Global Positioning System.

[0011] The insurance application device 10 includes, as functional components, a communication unit 111, a data acquisition unit 112, a measurement unit 113, a position identification unit 114, and a data generation unit 115. The functions of each functional component of the insurance application device 10 are realized by software. The storage 13 stores a program that realizes the function of each functional component of the insurance application device 10. This program is loaded into the memory 12 by the processor 11 and executed by the processor 11. In this way, the function of each functional component of the insurance application device 10 is realized.

[0012] The configuration of the master management device 20 according to the first embodiment will be described with reference to Fig. 3. The master management device 20 includes hardware such as a processor 21, a memory 22, a storage 23, and a communication interface 24. The processor 21 is connected to other hardware via signal lines and controls the other hardware.

[0013] The master management device 20 includes, as functional components, a communication unit 211 and a determination unit 212. The functions of each functional component of the master management device 20 are realized by software. The storage 23 stores a program that realizes the function of each functional component of the master management device 20. This program is loaded into the memory 22 by the processor 21 and executed by the processor 21. In this way, the function of each functional component of the master management device 20 is realized.

[0014] The storage 23 stores user information 231 and contract information 232 .

[0015] The processors 11 and 21 are ICs that perform processing. IC stands for Integrated Circuit. Specific examples of the processors 11 and 21 are a CPU, a DSP, and a GPU. CPU stands for Central Processing Unit. DSP stands for Digital Signal Processor. GPU stands for Graphics Processing Unit.

[0016] The memories 12 and 22 are storage devices that temporarily store data. Specific examples of the memories 12 and 22 are SRAM and DRAM. SRAM stands for Static Random Access Memory. DRAM stands for Dynamic Random Access Memory.

[0017] The storages 13 and 23 are storage devices that store data. Specific examples of the storages 13 and 23 are SSDs or HDDs. SSD stands for Solid State Drive. HDD stands for Hard Disk Drive. The storages 13 and 23 may also be portable recording media such as SD (registered trademark) memory cards, CompactFlash (registered trademark), NAND flash, flexible disks, optical disks, compact disks, Blu-ray (registered trademark) disks, and DVDs. SD stands for Secure Digital. DVD stands for Digital Versatile Disk.

[0018] The communication interfaces 14 and 24 are interfaces for communicating with external devices. Specific examples of the communication interfaces 14 and 24 are Ethernet (registered trademark), USB, and HDMI (registered trademark) ports. USB is an abbreviation for Universal Serial Bus. HDMI is an abbreviation for High-Definition Multimedia Interface.

[0019] 2 shows only one processor 11. However, there may be multiple processors 11, and the multiple processors 11 may cooperate to execute programs that realize each function. Similarly, in FIG. 3, there is only one processor 21 shown. However, there may be multiple processors 21, and the multiple processors 21 may cooperate to execute programs that realize each function.

[0020] ***Description of Operation*** The operation of the damage assessment system 100 according to the first embodiment will be described with reference to Figures 4 to 7. The operating procedure of the damage assessment system 100 according to the first embodiment corresponds to the damage assessment method according to the first embodiment. Moreover, the program that realizes the operation of the damage assessment system 100 according to the first embodiment corresponds to the damage assessment program according to the first embodiment. In particular, the operating procedure of the insurance application device 10 in the damage assessment system 100 according to the first embodiment corresponds to the insurance application method according to the first embodiment. Moreover, the program that realizes the operation of the insurance application device 10 in the damage assessment system 100 according to the first embodiment corresponds to the insurance application program according to the first embodiment.

[0021] (Step S101 in FIG. 4: Authentication processing) The communication unit 111 of the insurance application device 10 transmits authentication information of the user of the insurance application device 10 to the master management device 20. In the first embodiment, the user is an insurance policyholder of an insurance company, etc. The user is not limited to an insurance policyholder, but may also be an adjuster, etc. Specifically, the communication unit 111 accepts authentication information entered by the user. The communication unit 111 transmits the accepted authentication information to the master management device 20 via the communication interface 14. The communication unit 211 of the master management device 20 then receives the transmitted authentication information.

[0022] (Step S102 in FIG. 4: Determination process) The determination unit 212 determines whether the authentication information received in step S101 is valid. Specifically, the determination unit 212 determines whether the authentication information is valid by referring to the user information 231. As shown in FIG. 5, the user information 231 includes authentication information for each user. For example, as shown in FIG. 5, if the authentication information is a password, the determination unit 212 determines that the authentication information is valid if the pair of ID and password received as the authentication information matches any of the pairs of ID and password included in the user information 231.

[0023] If the authentication information is determined to be valid, the communication unit 211 transmits an authentication result indicating successful authentication and a list of buildings linked to the user to the insurance application device 10 via the communication interface 24. On the other hand, if the authentication information is determined to be invalid, the communication unit 211 transmits an authentication result indicating unsuccessful authentication to the insurance application device 10 via the communication interface 24. The communication unit 111 of the insurance application device 10 then receives the transmitted authentication result. If the authentication result indicates successful authentication, the communication unit 111 also receives the list of buildings. If the authentication information is determined to be valid, the communication unit 211 identifies buildings linked to the user by referencing the contract information 232 and generates the list of buildings. As shown in FIG. 6 , the contract information 232 includes a user ID and building information for each insurance contract policy number. The building information includes identification information such as the building's location, and information about the building, such as the total floor area, the floor area of ​​each floor, the number of floors, and whether or not the building has pilotis. The communication unit 211 refers to the contract information 232, identifies a policy number including the user ID of the user who has been successfully authenticated, and extracts building identification information from the building information linked to the identified policy number.The communication unit 211 then generates list information indicating the extracted building identification information.

[0024] If the authentication result received in step S102 indicates that the authentication was successful, the communication unit 111 proceeds to step S103. On the other hand, if the authentication result received in step S102 indicates that the authentication was unsuccessful, the communication unit 111 returns the process to step S101 to prompt the user to re-enter the authentication information.

[0025] (Step S103: Building Designation Processing) The communication unit 111 displays the list information on the display device and allows the user to select a building to be processed. The communication unit 111 transmits identification information of the selected building to the master management device 20 via the communication interface 14. The communication unit 211 of the master management device 20 then receives the transmitted identification information of the building.

[0026] (Step S104: Building information transmission process) The communication unit 211 refers to the contract information 232 and extracts building information linked to the building identification information received in step S103. The communication unit 211 transmits the extracted building information to the insurance application device 10 via the communication interface 24. Then, the communication unit 111 of the insurance application device 10 receives the transmitted building information.

[0027] (Step S105: Data Acquisition Processing) The data acquisition unit 112 of the insurance application device 10 acquires data of the target building using the optical sensor 141 and the optical camera 142. Specifically, the data acquisition unit 112 acquires point cloud data of the target building using the optical sensor 141 and acquires image data of the target building using the optical camera 142. The acquired image data is referred to as a target image. In this case, the data acquisition unit 112 acquires point cloud data obtained by measuring a target area of ​​the target building and a target image obtained by photographing the target area. Here, the target area is at least a portion of the exterior surface of the building. In other words, the target area is at least a portion of the exterior wall or roof of the building. For example, if the target building is flooded due to a flood, the target area is an area extending from the ground level, which indicates the location of the ground, to the flood line, which indicates the upper limit of the flooded area on the exterior surface of the target building. Furthermore, if the exterior surface of the building is damaged due to a typhoon or the like, the target area is an area including the damaged area on the exterior surface. Since the target area is the exterior area of ​​the building to be measured, as shown in Figure 7, the data acquisition unit 112 of the insurance application device 10 acquires data of the building to be processed from outside the building to be measured.

[0028] The optical sensor 141 is a sensor that measures the position and brightness of a reflection point by emitting irradiation light and receiving reflected light reflected from the reflection point. Here, the position of the reflection point is the relative position of the reflection point with respect to the position of the optical sensor 141. The point cloud data is three-dimensional point cloud data composed of multiple point data indicating the position and brightness of each reflection point. By simultaneously acquiring data using the optical sensor 141 and the optical camera 142, each of the multiple point data that make up the point cloud data is associated with any pixel in the target image. In other words, point data for the same position is associated with a pixel in the target image.

[0029] Note that it may not be possible to capture the entire target area in one shot. In this case, the optical camera 142 may capture multiple images while moving the insurance application device 10. For example, as in the case of capturing a video, the user may capture images with the optical camera 142 while moving the insurance application device 10, thereby acquiring multiple pieces of image data. At this time, the optical sensor 141 also measures the captured area. The data acquisition unit 112 identifies the amount of movement of the insurance application device 10 during capture using an acceleration sensor or the like provided in the insurance application device 10. Based on the amount of movement, the data acquisition unit 112 combines the measured point cloud data into one piece of point cloud data, and combines the image data obtained by capturing images multiple times into one target image. This makes it possible to acquire point cloud data and target images for a target area of ​​the building being processed, including from the ground to the upper flooded limit.

[0030] (Step S106: Measurement Process) The measurement unit 113 of the insurance application apparatus 10 measures the size of the target area based on the point cloud data acquired in step S105.

[0031] When a target building is flooded due to flood damage, the measurement unit 113 measures the flood height, which is the vertical distance from the ground surface to the flood line relative to the horizontal direction, as the size. Specifically, the measurement unit 113 identifies the ground surface of the target building from the point cloud data acquired in step S105. Identifying the ground surface from point cloud data can be achieved using existing technology. For example, the ground surface can be identified by identifying the ground from changes in brightness of multiple point data that make up the point cloud data. The measurement unit 113 identifies point data corresponding to the ground surface. The measurement unit 113 displays the target image acquired in step S105 on a display device and prompts the user to specify the upper limit of the flooded area. The measurement unit 113 accepts the specification of the position of the flood line and identifies point data corresponding to the flood line. The measurement unit 113 measures the flood height from the position indicated by the point data corresponding to the ground surface and the position indicated by the point data corresponding to the flood line. Specifically, the flood height is measured from the difference between the position indicated by the point data corresponding to the ground surface and the position indicated by the point data corresponding to the flood line. In this case, the measurement unit 113 may determine the vertical direction from the point cloud data, or may determine the vertical direction using a sensor mounted on the insurance application device 10. For example, the measurement unit 113 may determine the horizontal direction by identifying point data constituting the ground from the point cloud data, and then determine the vertical direction relative to the horizontal direction. Furthermore, the measurement unit 113 may identify pillars of a building from the point cloud data and determine the longitudinal direction of the pillars as the vertical direction relative to the horizontal direction.

[0032] When the exterior surface of a building is damaged by a typhoon or the like, the measurement unit 113 measures the size of the damaged area. When the damage is a crack in the exterior wall, the size of the damaged area is the length of the crack. When the damage is a dent in the exterior wall, the size of the damaged area is the area of ​​the dent, or the like. Specifically, the measurement unit 113 displays the target image acquired in step S105 on a display device and prompts the user to specify the damaged area. When the damage is a crack in the exterior wall, the damaged area is specified by tracing the crack, for example. When the damage is a dent in the exterior wall, the damaged area is specified by surrounding the edge of the dent, for example. The measurement unit 113 identifies point data corresponding to the damaged area. The measurement unit 113 measures the size of the damaged area from the identified point data. Note that the size measured in step S106 is not limited to the flood height and the size of the damaged area described above, and may be any length applicable to insurance claim data. Whether the size is the flood height, the damaged area, or another length can be determined by configuring the measurement unit 113 to display a list of size candidates on a display device and allow the user to select one. Alternatively, when the user specifies only one location, the measurement unit 113 may be configured to determine the size as the flood height, identify the ground surface, and measure the length from the ground surface to the specified location. When the user specifies two locations, the measurement unit 113 may be configured to determine the size as the crack length, which is part of the size of the damaged area, and measure the length between the two locations. When the user specifies an enclosed location, the measurement unit 113 may be configured to determine the size as the depression, which is part of the size of the damaged area, and measure the area of ​​the enclosed range.

[0033] (Step S107: Position Identification Processing) The position identification unit 114 identifies a target position, which is the position of the target area. Here, the target position is the center position of the target area. Note that the target position is not limited to the center position of the target area, and may be a position representative of the target area, such as the center of gravity. The target position may also be multiple positions, such as the four corners of the target area. Specifically, the position identification unit 114 identifies the terminal position, which is the position of the insurance claim device 10, from the positioning information acquired by the positioning antenna 143. The position identification unit 114 identifies the sensor orientation, which is the orientation of the optical sensor 141 when irradiating light to acquire the point cloud data in step S105. Here, it is assumed that the sensor orientation is recorded together with the point cloud data. The sensor orientation is identified using a gyro sensor or the like mounted on the insurance claim device 10. The position identification unit 114 identifies the distance from the insurance claim device 10 to the target area, which is identified from the point cloud data. The distance from the insurance claim device 10 to the target area is measured when identifying the position of the reflection point. Here, the distance from the insurance application device 10 to the target area is assumed to be recorded together with the point cloud data. The position identification unit 114 identifies the target position from the terminal position, the sensor orientation, and the distance. Specifically, the position identification unit 114 can identify, as the target position, a position that is the distance recorded together with the acquired point cloud data from the terminal position in the sensor orientation direction.

[0034] (Step S108: Data Generation Processing) The data generation unit 115 generates insurance claim data including position information indicating the target position identified in step S107 and size information indicating the size measured in step S106. At this time, in addition to the position information and size information, the data generation unit 115 may also include orientation information indicating the orientation of the sensor used to identify the target position in step S107 in the insurance claim data. Furthermore, the data generation unit 115 may also include the target image acquired in step S105 in the insurance claim data. Furthermore, if size identification information has been acquired in step S106, the data generation unit 115 may also include the identification information in the insurance claim data. The data generation unit 115 transmits the insurance claim data to the master management device 20 via the communication interface 14. As a result, the data generation unit 115 submits an insurance claim, which is an application for payment of insurance money.

[0035] ***Effects of Embodiment 1*** As described above, the insurance application device 10 according to embodiment 1 generates insurance application data that includes, in addition to size information, position information indicating the target position, which is the position of the target area. This generates insurance application data in which the position where the size was measured is specified. This makes it possible to prevent fraudulent practices such as re-measuring a damaged area for which an insurance application has already been filed. It is also possible to prevent fraudulent practices such as measuring damage to a neighboring building rather than the building owned by the policyholder and filing an insurance application.

[0036] The effect will be specifically described with reference to FIGS. 8 and 9 . As shown in FIG. 8 , assume that multiple similar buildings are built nearby. As described above, since the target area is the exterior of the building, point cloud data is acquired outside the building. Even if an insurance claim is filed by measuring, for example, an adjacent building instead of the target building, it may be difficult to determine from the target image whether the image was taken of the target building or the adjacent building because the buildings are similar. This could lead to fraudulent activity, such as measuring the size of damage to the adjacent building, acquiring a target image, and using the target image as evidence of the damage to file an insurance claim. However, the insurance claim device 10 according to the first embodiment generates insurance claim data that includes, in addition to size information, location information indicating the target position, which is the location of the target area. The location information indicating the target position makes it possible to identify the measured target area from the insurance claim data. Therefore, it is possible to identify that the size information included in the insurance claim data was obtained by measuring the target building. This makes it possible to prevent fraudulent activity, such as measuring damage to an adjacent building and filing an insurance claim. It is also possible to include location information indicating the location of the insurance claim device 10 in the insurance claim data before transmitting it. However, as shown in Figure 8, the position indicated by this location information indicates the position between the building being measured and the adjacent building, making it difficult to determine whether the image was taken of the building being measured or the adjacent building.

[0037] As shown in FIG. 9 , assume that the damaged area is a crack in an exterior wall. The size of the crack can be measured from either point A or point B. However, it can be difficult to determine whether image data obtained by photographing the crack from point A and image data obtained by photographing the crack from point B are of the same crack. This can lead to fraudulent activity, such as measuring the size from point A in the past, acquiring a target image, filing an insurance claim using the target image as evidence of damage, and then measuring the size from point B again, acquiring a target image, and filing an insurance claim using the target image as evidence of damage. However, the insurance claim device 10 according to the first embodiment generates insurance claim data that includes, in addition to size information, location information indicating the target position, which is the location of the target area. The location information indicating the target position makes it possible to identify the measured target area from the insurance claim data. Therefore, it is possible to determine whether the size information included in the insurance claim data is the same as damage for which a previous insurance claim was filed. This prevents fraudulent activity, such as measuring damage for which a previous insurance claim was filed from a different position and filing another insurance claim.

[0038] ***Other Configurations*** <Variation 1> In the first embodiment, the processing flow for generating insurance application data was described, but this is not limited to insurance applications; it can also be applied to generating application data for disaster damage certificates to government offices, etc. In this case, the insurance application device 10 provided in the damage assessment system 100 is applicable not only to insurance applications but also to applications for disaster damage certificates. Furthermore, the master management device 20 provided in the damage assessment system 100 is a management device owned by a local government office, etc. Furthermore, the authentication information registered in the user information 231 relates to residents, and the contract information 232 relates to the residents' homes. Specifically, this can be realized by replacing the policy number and ID in the contract information 232 with unique information that identifies the resident, such as a resident number and resident ID.

[0039] Embodiment 2. Embodiment 2 differs from embodiment 1 in that in addition to applications related to the building, applications related to household goods within the building can also be added to the insurance application data. In embodiment 2, this difference will be explained, and explanations of the same points will be omitted. Note that household goods refer to movable property used for daily life, such as furniture, home appliances, clothing, and tableware, and are subject to property insurance.

[0040] 10 shows the configuration of the contract information 232 in the second embodiment, with an additional item of "household goods" indicating whether or not household goods insurance is in place. As shown in FIG. 10, when household goods insurance is also in place for each insurance contract policy number, "insured" is registered. For policy numbers where household goods insurance is not in place, "not insured" is registered.

[0041] The operation of the damage assessment system 100 according to the second embodiment will be described with reference to Figures 10 and 11. The processing from step S201 to step S203 is the same as the processing from step S101 to step S103 in Figure 4. The processing from step S205 to step S207 is the same as the processing from step S105 to step S107 in Figure 4.

[0042] (Step S204: Building information transmission process) The communication unit 211 refers to the contract information 232 and extracts building information linked to the building identification information received in step S203 and household contents insurance information associated with the building information. The communication unit 211 transmits the extracted building information to the insurance application device 10 via the communication interface 24. The communication unit 111 of the insurance application device 10 then receives the transmitted building information and household contents insurance information associated with the building information.

[0043] (Step S208: Household goods data application confirmation process) The data acquisition unit 112 of the insurance application device 10 determines whether or not household goods insurance information is included in the building information acquired in step S204. When the data acquisition unit 112 determines that household goods insurance information is included, it displays an input screen on the display device that accepts a selection from the user as to whether or not to apply for household goods as well. When the selection to apply for household goods is accepted from the user, the process proceeds to step S209. When household goods insurance information is not included, when the selection to not apply for household goods is accepted from the user, or when the processes from step S209 to step S211 are completed for the household goods that are the subject of the application, the process proceeds to step S212.

[0044] (Step S209: Household Goods Data Acquisition Processing) The data acquisition unit 112 of the insurance application device 10 acquires data of the household goods to be processed using the optical sensor 141 and the optical camera 142. Specifically, the process is the same as step S205, but because the target area is the area on the exterior of the household goods to be measured, the data acquisition unit 112 of the insurance application device 10 acquires data of the household goods to be processed from inside or outside the building. Note that the target area may be part or all of the exterior area of ​​the household goods depending on the size of the household goods and the extent of damage.

[0045] (Step S210: Household Goods Measurement Processing) The measurement unit 113 of the insurance application apparatus 10 measures the size of the target area based on the point cloud data acquired in step S209. Specifically, this is the same processing as step S206.

[0046] (Step S211: Furniture Position Identification Processing) The position identification unit 114 identifies a target position, which is the position of the target area. Specifically, this is the same processing as step S207. The processing returns to step S208 to check whether there is any other furniture that is the target of the application.

[0047] The processing from step S209 to step S211 is repeated for each piece of household item, and the target image acquired in step S209, the size measured in step S210, and the target position identified in step S211 are temporarily stored in memory 12 for each piece of household item.

[0048] (Step S212: Data Generation Processing) The data generation unit 115 generates insurance application data including location information indicating the target location of the building identified in step S207 and size information indicating the size of the building measured in step S206. At this time, if there is location information of the household item identified in step S211 for each household item stored in memory 12, size information measured in step S210, and a target image acquired in step S209, the data generation unit 115 also includes this information in the insurance application data. In addition, the data generation unit 115 performs the remaining processing described in step S108 of FIG. 4.

[0049] ***Effects of Embodiment 2*** As described above, the insurance application device 10 according to Embodiment 2 generates insurance application data that includes size information and location information related to household goods in addition to size information about the building and location information indicating the target location, which is the location of the target area. This makes it possible to prevent fraudulent practices, such as re-measuring damage to household goods for which an insurance application has already been filed. Furthermore, by using the location information for the building and household goods together to file an insurance application, it is possible to prevent fraudulent practices, such as filing an insurance application for household goods located in a different building rather than the building owned by the policyholder.

[0050] <Variation 2> In the second embodiment, the process of generating insurance application data that combines the building and household goods has been described. As variation 2, it is possible to configure the system so that insurance application data is generated only for household goods. In this case, the process of step S205 is performed to identify the building, but the process of step S206 is omitted, and the location identification process of step S207 is performed at any location where the building can be identified. Whether the application is for the building only, the building and household goods, or the household goods only can be determined by configuring the communication unit 211 to display an input screen on the display device and accept a user's designation when the communication unit 111 of the insurance application device 10 receives the building information transmitted in step S204, allowing each processing unit to perform the necessary processing.

[0051] <Modification 3> In the first and second embodiments, each functional component is realized by software. However, in Modification 3, each functional component may be realized by hardware. The following describes the differences between Modification 1 and Embodiment 1.

[0052] When each functional component is realized by hardware, the insurance application device 10 includes an electronic circuit 15 instead of the processor 11, the memory 12, and the storage 13. The electronic circuit 15 is a dedicated circuit that realizes the functions of each functional component, the memory 12, and the storage 13.

[0053] The electronic circuit 15 may be a single circuit, a composite circuit, a programmed processor, a parallel programmed processor, a logic IC, a GA, an ASIC, or an FPGA. GA stands for Gate Array. ASIC stands for Application Specific Integrated Circuit. FPGA stands for Field-Programmable Gate Array. Each functional component may be realized by a single electronic circuit 15, or each functional component may be distributed across multiple electronic circuits 15.

[0054] <Modification 4> As a modification 4, some of the functional components may be realized by hardware, and other functional components may be realized by software.

[0055] The processor 11, the memory 12, the storage 13, and the electronic circuit 15 are collectively referred to as a processing circuit. In other words, the functions of the respective functional components are realized by the processing circuit.

[0056] Furthermore, the term "unit" in the above description may be read as a "circuit," "step," "procedure," "process," or "processing circuit."

[0057] The embodiments and modifications of the present disclosure have been described above. Some of these embodiments and modifications may be combined and implemented. Furthermore, one or more of them may be implemented partially. Note that the present disclosure is not limited to the above embodiments and modifications, and various modifications are possible as needed.

[0058] 100 Damage assessment system, 10 Insurance application device, 11 Processor, 12 Memory, 13 Storage, 14 Communication interface, 111 Communication unit, 112 Data acquisition unit, 113 Measurement unit, 114 Position identification unit, 115 Data generation unit, 141 Optical sensor, 142 Optical camera, 143 Positioning antenna, 20 Master management device, 21 Processor, 22 Memory, 23 Storage, 24 Communication interface, 25 Electronic circuit, 211 Communication unit, 212 Determination unit, 231 User information, 232 Contract information, 30 Transmission path.

Claims

1. An insurance application device that generates insurance application data for filing an insurance application, comprising: a data acquisition unit that acquires point cloud data, which is a plurality of point data indicating the positions of reflection points obtained by measuring a target area using an optical sensor that measures the positions of reflection points by irradiating irradiation light and receiving reflected light reflected from the reflection point; a measurement unit that measures the size of the target area based on the point cloud data acquired by the data acquisition unit; a position identification unit that identifies a target position, which is the position of the target area, from a terminal position, which is the position of the insurance application device identified from positioning information, a sensor orientation, which is the orientation of the optical sensor when the irradiation light was irradiated, and a distance from the insurance application device to the target area identified from the point cloud data; and a data generation unit that generates insurance application data including position information indicating the target position identified by the position identification unit and size information indicating the size.

2. The insurance application device according to claim 1, wherein the data generation unit generates the insurance application data further including orientation information indicating the orientation of the sensor.

3. The insurance application device according to claim 1 or 2, wherein the data acquisition unit photographs the target area to acquire image data when the point cloud data is acquired, and the data generation unit further generates the insurance application data including the image data.

4. The insurance application device according to any one of claims 1 to 3, wherein the target area is at least a partial area of ​​the exterior of a building or property.

5. The insurance application device of claim 4, wherein the target area includes a ground surface indicating the position of the ground to a flood line indicating the upper limit of the flooded position on the outer surface, and the measurement unit measures the flood height, which is the vertical distance from the ground surface to the flood line relative to the horizontal direction, as the size.

6. The insurance application device according to claim 4, wherein the target area includes a damaged area on the outer surface, and the measurement unit measures the size of the damaged area as the size.

7. An insurance application method for generating insurance application data for filing an insurance application, wherein an insurance application device acquires point cloud data, which is a plurality of point data indicating the positions of reflection points obtained by measuring a target area using an optical sensor that measures the positions of the reflection points by irradiating irradiation light and receiving reflected light reflected from the reflection points; the insurance application device measures the size of the target area based on the point cloud data; the insurance application device identifies a target position, which is the position of the target area, from a terminal position, which is the position of the insurance application device identified from positioning information, a sensor orientation, which is the orientation of the optical sensor when the irradiation light was irradiated, and a distance from the insurance application device to the target area identified from the point cloud data; and the insurance application device generates insurance application data including position information indicating the target position and size information indicating the size.

8. An insurance application program that generates insurance application data for filing an insurance application, the insurance application program causing a computer to function as an insurance application device that performs the following steps: a data acquisition process that acquires point cloud data, which is a plurality of point data indicating the positions of reflection points obtained by measuring a target area using an optical sensor that measures the positions of reflection points by irradiating irradiation light and receiving reflected light from the reflection points; a measurement process that measures the size of the target area based on the point cloud data acquired by the data acquisition process; a position identification process that identifies a target position, which is the position of the target area, from a terminal position, which is the position of the insurance application device identified from positioning information, a sensor orientation, which is the orientation of the optical sensor when the irradiation light was irradiated, and a distance from the insurance application device to the target area identified from the point cloud data; and a data generation process that generates insurance application data including position information indicating the target position identified by the position identification process and size information indicating the size.

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