JP2026069578A - Information processing device, information processing method, and program - Google Patents

Abstract

[Challenge] To be able to propose countermeasures that take into account the individual circumstances of each user regarding damage that may occur due to weather.
[Solution] An information processing device 1 according to one embodiment of the present invention includes an insurance information acquisition unit that acquires insurance information indicating the details of the insurance policy the user has taken out; a weather information acquisition unit that acquires weather information indicating current or future weather conditions; a decision unit that determines countermeasures to propose to the user regarding the insured object according to 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 countermeasure information indicating the countermeasures to an information terminal associated with the user.
[Selection Diagram] Figure 2

Description

This invention relates to an information processing device, an information processing method, and a program for processing meteorological information.

Patent Document 1 describes a system that predicts disaster damage based on weather information and proposes disaster prevention actions.

Japanese Patent Publication No. 2020-201704

Weather conditions such as hail, heavy rain, and strong winds can cause damage to vehicles, buildings, and other property owned by users. Since the type and location of property owned by each user differs, each user needs to take weather-related countermeasures according to their specific circumstances. However, the system described in Patent Document 1 cannot propose weather-related countermeasures that take into account the individual circumstances of each user.

Therefore, this invention has been made in view of these points, and aims to enable the proposal of countermeasures that take into account the individual circumstances of each user regarding damage that may occur due to weather.

The information processing apparatus according to the first aspect of the present invention comprises: an insurance information acquisition unit that acquires insurance information indicating the details of the insurance policy the user has; a weather information acquisition unit that acquires weather information indicating current or future weather conditions; a decision unit that determines countermeasures to propose to the user regarding the insured object according to the relationship between the insured object indicated by the insurance information and the weather conditions 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.

The determination unit may determine the countermeasures, which may include information corresponding to the degree of the weather's impact on the location.

The determination unit may determine the countermeasures, which may include information corresponding to map information within a predetermined range including the location.

The determination unit may determine the countermeasures, including information corresponding to insurance claim information related to insurance claims previously filed for situations identical or similar to the situation involving the object and the weather conditions.

The user has taken out insurance for multiple of the aforementioned objects, and the decision unit may determine the countermeasures, which include information corresponding to the combination of multiple objects indicated by the insurance information.

The aforementioned measures may be determined to include information corresponding to at least one of the building's age and construction method, as indicated in the aforementioned insurance information.

The transmitting unit may transmit information to the information terminal corresponding to whether or not the damage to the object caused by the weather is covered by the insurance.

The transmitting unit may transmit information to the information terminal indicating products applicable to the subject indicated by the insurance information, for taking measures against the weather conditions indicated by the weather information.

A second aspect of the present invention provides an information processing method comprising: a processor performing the steps of: acquiring insurance information indicating the details of insurance the user has; acquiring weather information indicating current or future weather conditions; determining countermeasures to be proposed to the user regarding the insured object, based on the relationship between the insured object indicated by the insurance information and the weather conditions indicated by the weather information at the location where the object is located; and transmitting countermeasure information indicating the countermeasures to an information terminal associated with the user.

A program according to a third aspect of the present invention causes a processor to perform the following steps: acquire insurance information indicating the details of the insurance policy the user has; acquire weather information indicating current or future weather conditions; determine countermeasures to propose to the user regarding the insured object, based on the relationship between the insured object indicated by the insurance information and the weather conditions indicated by the weather information at the location where the object is located; and transmit countermeasure information indicating the countermeasures to an information terminal associated with the user.

According to this invention, it is possible to propose countermeasures that take into account the individual circumstances of each user regarding damage that may occur due to weather conditions.

This is a schematic diagram of the information processing system according to the embodiment. This is a block diagram of an information processing system according to an embodiment. This is a schematic diagram illustrating the process by which the insurance information acquisition unit acquires insurance information. This is a schematic diagram illustrating the process by which the weather information acquisition unit acquires weather information. This is a schematic diagram illustrating the process by which the decision-making unit determines countermeasures regarding the object. This is a schematic diagram illustrating exemplary countermeasures related to the object that the decision-making unit determines. This is a schematic diagram of an information terminal displaying example countermeasures information. This figure shows a flowchart of an exemplary information processing method performed by the information processing device according to the embodiment.

Figure 1 is a schematic diagram of the 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.

Information processing device 1 is a computer that processes weather information. Weather information is information indicating current or future weather conditions. Examples of weather conditions indicated by weather information include heavy rain, strong winds, hail, sleet, typhoons, lightning strikes, etc. Information processing device 1 may be a single device or multiple devices. Alternatively, information processing device 1 may be one or more virtual servers operating on a cloud, which is a collection of computer resources.

Information terminal 2 is a computer used by the user. The user is a person who is insured under a specified insurance policy. The user has contracted insurance with an insurance provider (insurance company, etc.) for damage to a specified object. The insurance contracted by the user includes, for example, property insurance covering vehicles, buildings, agricultural products, livestock, etc., and life insurance covering the user themselves or other individuals. The user can receive the insurance payment stipulated in the insurance contract by filing a claim with the insurance provider when the specified damage occurs to the object.

Information terminal 2 is, for example, an information terminal such as a smartphone, tablet, or personal computer. 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. Information terminal 2 is pre-associated with a user by setting identification information (ID: identifier) for identifying the user. Information terminal 2 transmits and receives information with information processing device 1 via wireless or wired communication.

The following describes the process performed by the information processing system S according to this embodiment. The information processing device 1 acquires insurance information indicating the details of the insurance policy the user has. This insurance information is provided, for example, by the insurance provider with whom the user has an insurance contract and is pre-stored in the insurance information database.

The information processing device 1 acquires weather information indicating current or future weather conditions. This weather information is provided, for example, by the Japan Meteorological Agency, local governments, or other external organizations, and is pre-stored in a weather information database.

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

With this configuration, the information processing system S uses the user's insurance information to notify the user of measures to take regarding insured property against damage that may occur due to weather. This allows the information processing system S to propose measures that take into account each user's specific circumstances regarding damage that may occur due to weather.

[Configuration of Information Processing System S]
Figure 2 is a block diagram of the information processing system S according to this embodiment. In Figure 2, the arrows indicate the main data flow, and there may be other data flows besides those shown in Figure 2. In Figure 2, each block represents a functional unit configuration, not a hardware (device) unit configuration. Therefore, the blocks shown in Figure 2 may be implemented in a single device, or they may be implemented separately in multiple devices. Data exchange between blocks may be performed via any means, such as a data bus, network, or portable storage medium.

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

The communication unit 11 has a communication controller for sending and receiving data to and from the information terminal 2 via the network. The communication unit 11 notifies the control unit 13 of the 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.

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

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

The following describes in detail the processes performed by the information processing system S. The information processing device 1 performs the following processes for each of the one or more users who are enrolled in a predetermined insurance plan and who are targeted for proposed weather countermeasures. The insurance information acquisition unit 131 acquires insurance information indicating the details of the insurance policy held by the user.

Figure 3 is a schematic diagram illustrating the process by which the insurance information acquisition unit 131 acquires insurance information. The insurance information includes information about the insured object under contract with the insurance company. The insured object may be, for example, a vehicle, building, agricultural product, livestock, etc., covered by property insurance, or the user themselves or other persons, covered by life insurance.

Insurance information includes, for example, the user's name, user contact information (telephone number, email address, etc.), insurance product name, insurance enrollment date, insured object (type of vehicle, building, etc.), and location of the insured object (address, coordinates, etc.). Insurance information may also include information indicating ancillary facilities of the insured object (garage, etc.), year of construction, and construction method. Insurance information may also include other information related to the insurance or the insured object.

Insurance information is provided, for example, by the insurance provider with whom the user has an insurance contract, and is pre-stored in an insurance information database constructed on the storage unit 12 or other storage device. The insurance information acquisition unit 131 acquires insurance information from the insurance information database.

The insurance information acquisition unit 131 may acquire multiple insurance information items corresponding to multiple objects if a single user has insurance for multiple objects. The insurance information acquisition unit 131 may also acquire insurance information directly from a server provided by the insurance provider, without using an insurance information database.

The weather information acquisition unit 132 acquires weather information indicating current or future weather conditions. Figure 4 is a schematic diagram illustrating the process by which the weather information acquisition unit 132 acquires weather information.

Weather information includes information about weather in a specific region. The weather described in weather information includes, for example, heavy rain, strong winds, hail, sleet, typhoons, lightning, etc. Weather information may also include, for example, the region affected by the weather, the period during which the weather is likely to occur, the type of weather (heavy rain, strong winds, hail, etc.), the degree of risk of the weather, and the accuracy of the weather forecast. Weather information may also include other information related to weather.

Weather information is provided, for example, by the Japan Meteorological Agency, local governments, or other external organizations, and is pre-stored in a weather information database constructed in the memory unit 12 or other storage device. The weather information acquisition unit 132 acquires weather information from the weather information database.

The weather information acquisition unit 132 acquires weather information only for the area including the location indicated by the insurance information acquisition unit 131, or it acquires weather information for all areas. The weather information acquisition unit 132 may also acquire weather information directly from servers provided by the Japan Meteorological Agency, local governments, or other external organizations, without using a weather information database.

The decision unit 133 determines the countermeasures to propose to the user regarding the target object, 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. Figure 5 is a schematic diagram illustrating the process by which the decision unit 133 determines the countermeasures regarding the target object.

The decision unit 133 determines the countermeasures to propose to the user regarding the insured object, based on the relationship between the insured object indicated by the insurance information and the weather conditions indicated by the weather information at the location where the object is located.

The decision unit 133 may determine a countermeasure using, for example, a database that stores multiple countermeasures pre-configured in the storage unit 12 or other device. In this case, the database stores, for example, each of the multiple countermeasures in association with weather conditions and the target object. The decision unit 133 identifies the weather conditions in the region that includes the location where the target object, indicated by the insurance information acquired by the insurance information acquisition unit 131, is located, based on the weather conditions indicated by the weather conditions acquired by the weather information acquisition unit 132. The decision unit 133 then identifies a countermeasure in the database that stores multiple countermeasures, associated with the identified weather conditions and the target object indicated by the insurance information acquired by the insurance information acquisition unit 131.

The decision unit 133 may determine countermeasures using, for example, a machine learning model pre-stored in the memory unit 12 or other device. In this case, the machine learning model is pre-generated by machine learning a large amount of digital data using, for example, a known deep learning process such as a DNN (Deep Neural Network). The machine learning model is configured to output countermeasures related to the insured object when insurance information and weather information are input.

The decision 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 then determines the countermeasure based on the output of the machine learning model.

Figures 6(a) and 6(b) are schematic diagrams illustrating exemplary countermeasures related to the object determined by the determination unit 133. Figure 6(a) shows an example where the determination unit 133 determines countermeasures according to the location where the object is located.

The decision unit 133 acquires disaster prediction information (hazard maps, etc.) indicating the degree of weather impact for each location (address, coordinates, etc.) provided by the national government, local governments, etc. Using the acquired disaster prediction information, the decision unit 133 identifies the degree of weather impact on the location where the object indicated in the insurance information is located. The decision unit 133 determines countermeasures, including different information, according to the identified degree of weather impact. For example, the decision unit 133 might determine countermeasures including the installation of sandbags or water-stopping plates for locations with relatively high flood depths, and countermeasures including evacuation to shelters for locations with a relatively high risk of landslides. As a result, the information processing system S can propose appropriate countermeasures according to the expected degree of weather impact on the location where the object is located.

Furthermore, the decision unit 133 acquires evacuation shelter information, such as the location and facilities of evacuation shelters, provided by the national government, local governments, etc. The decision unit 133 determines 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 by executing a known route determination process. Here, it is desirable for the decision unit 133 to determine an evacuation route that avoids passing through flood-prone areas such as underpasses, using disaster prediction information. This allows the information processing system S to support the user in evacuating from the location where the object is located.

Figure 6(b) illustrates an example where the decision unit 133 determines countermeasures based on past insurance claim information. The decision unit 133 acquires, for example, insurance claim information regarding previously claimed insurance payments provided by insurance companies. This insurance claim information includes information (damage details, amount of damage, etc.) regarding insurance payments previously claimed by other users different from the user for situations identical or similar to those indicated by the insurance information and the weather information. The decision unit 133 determines countermeasures that include information corresponding to the acquired insurance claim information (such as responses to damages that occurred in identical or similar situations). This allows the information processing system S to propose appropriate countermeasures considering the circumstances under which insurance payments were previously claimed.

Furthermore, the decision unit 133 may determine countermeasures that include information corresponding to the combination of multiple objects, provided that insurance information indicates the user has one or more insurance policies covering multiple objects (vehicles, buildings, etc.). For example, if the multiple objects include a vehicle and a building with a garage, the decision unit 133 will determine a countermeasure to park the vehicle in the garage. This allows the information processing system S to propose appropriate countermeasures considering the combination of multiple objects.

Furthermore, the decision unit 133 may determine countermeasures that include information corresponding to at least one of the building's age and construction method, which are the subject of the insurance information. For example, the decision unit 133 might determine countermeasures including evacuation to shelters for older buildings, and fire prevention measures for wooden buildings. This allows the information processing system S to propose appropriate countermeasures considering the building information indicated by the insurance information.

As other measures, the decision unit 133 may, for example, determine measures including evacuation to an indoor parking lot within a predetermined range if there is no roof at the location where the object is located. The decision unit 133 may, for example, determine measures including early harvesting or shipping of crops, or snow removal from greenhouses where crops are grown, if the object is agricultural product. The decision unit 133 may, for example, determine measures including the user entering an indoor location if weather information indicates a possibility of lightning strikes. The decision unit 133 is not limited to the specific measures shown herein and may determine other measures based on insurance information and weather information.

The transmission unit 134 transmits countermeasure information, indicating the countermeasures determined by the decision unit 133, to the information terminal 2 associated with the user. It is desirable for the transmission unit 134 to transmit the countermeasure information to the information terminal 2 before the period during which the weather conditions indicated by the weather information are expected to occur. The information terminal 2 displays the countermeasure information transmitted by the information processing device 1 on its display unit.

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

The transmission unit 134 may transmit information to the information terminal 2 indicating whether or not damage to an object caused by weather is covered by insurance. 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 to the information terminal 2 indicating whether or not damage to an object caused by weather is covered by insurance, based on the determination result by the determination unit 133, before the period in which the weather indicated by the weather information occurs. This allows the information processing system S to notify the user whether or not damage to an object that may occur due to weather is covered by insurance.

The transmission unit 134 may transmit information to the information terminal 2 indicating products applicable to the target object for taking measures against weather conditions. In this case, the determination unit 133 extracts products applicable to the target object indicated by the insurance information and for taking measures against the weather conditions indicated by the weather information (for example, a vehicle cover suitable for a vehicle) from a database storing information on multiple products. The transmission unit 134 transmits information indicating the extracted products to the information terminal 2. This allows the information processing system S to propose products suitable for taking measures against weather conditions for the target object.

[Flowchart of information processing method]
Figure 8 is a flowchart showing an exemplary information processing method performed 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 policy the user has subscribed to (S11). The insurance information is provided, for example, by the insurance company with which the user has an insurance contract and is pre-stored in an insurance information database constructed in the storage unit 12 or other storage device.

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

The decision unit 133 determines the countermeasures to propose to the user regarding the object, 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 (S13). These countermeasures are, for example, preparations that the user must make regarding the object, such as moving or protecting it.

The transmission unit 134 transmits the countermeasure information determined by the determination 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 its display unit.

[Effects of the Embodiment]
According to the information processing system S of this embodiment, the information processing device 1 uses information about the insurance the user has subscribed to to notify the user of measures to take regarding insured property against damage that may occur due to weather. As a result, the information processing system S can propose measures that take into account the individual circumstances of each user regarding damage that may occur due to weather.

Although the present invention has been described above using embodiments, 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 its gist. For example, all or part of the device can be configured by functionally or physically distributing and integrating them in 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 combinations are combined with the effects of the original embodiments.

S Information Processing System 1 Information Processing Device 11 Communication Unit 12 Storage Unit 13 Control Unit 131 Insurance Information Acquisition Unit 132 Weather Information Acquisition Unit 133 Decision Unit 134 Transmission Unit 2 Information Terminal

Claims (10)

An insurance information acquisition unit that acquires insurance information showing the details of the insurance policy the user has,
A weather information acquisition unit that acquires weather information indicating current or future weather conditions,
A decision unit that determines measures to be proposed to the user regarding the insured object, in accordance with the relationship between the insured object indicated by the insurance information and the weather conditions indicated by the weather information at the location where the object is located,
A transmission unit that transmits countermeasure information indicating the countermeasure to an information terminal associated with the user,
An information processing device having The determination unit determines the countermeasures, which include information corresponding to the degree of the weather's influence on the location.
The information processing apparatus according to claim 1. The determination unit determines the countermeasures, which include information corresponding to map information within a predetermined range including the location.
The information processing apparatus according to claim 1 or 2. The determination unit determines the countermeasures, which include information corresponding to insurance claim information relating to insurance payments previously claimed for circumstances identical or similar to the circumstances involving the object and the weather.
The information processing apparatus according to claim 1 or 2. The user has taken out insurance for multiple of the aforementioned objects,
The determination unit determines the countermeasures, which include information corresponding to the combination of multiple objects indicated by the insurance information.
The information processing apparatus according to claim 1 or 2. The measures to be determined include information corresponding to at least one of the age and construction method of the building that is the subject of the insurance information, as indicated by the aforementioned insurance information.
The information processing apparatus according to claim 1 or 2. The transmitting unit transmits to the information terminal information corresponding to whether or not the damage to the object caused by the weather is covered by the insurance.
The information processing apparatus according to claim 1 or 2. The transmitting unit transmits to the information terminal information indicating products applicable to the object indicated by the insurance information, for taking measures against the weather conditions indicated by the weather information.
The information processing apparatus according to claim 1 or 2. The processor executes
Steps include obtaining insurance information that shows the details of the insurance the user has,
A step of obtaining weather information that shows current or future weather conditions,
The steps include determining measures to be proposed to the user regarding the insured object, in accordance with the relationship between the insured object indicated by the insurance information and the weather conditions indicated by the weather information at the location where the object is located,
The steps include: transmitting countermeasure information indicating the countermeasure to an information terminal associated with the user;
An information processing method having the following characteristics. In the processor,
Steps include obtaining insurance information that shows the details of the insurance the user has,
A step of obtaining weather information that shows current or future weather conditions,
The steps include determining measures to be proposed to the user regarding the insured object, in accordance with the relationship between the insured object indicated by the insurance information and the weather conditions indicated by the weather information at the location where the object is located,
The steps include: transmitting countermeasure information indicating the countermeasure to an information terminal associated with the user;
A program that executes something.