JP2002024473A - Risk information providing system, and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a risk information providing system improved in operability for enabling the utilization of a client. SOLUTION: Information related to risk is stored in a database server 10 and this stored information is displayed through an information providing server 20 onto the browser screen of a client terminal 50. The client terminal 50 can perform the self-diagnosis of a risk to the disaster of its own site (managing target) or can know which kind of risk in the case of disaster exists on its own site.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to various kinds of information in which risks of objects, such as land, real estate and natural products, whose property values may be lost due to the occurrence of disasters, are stored in advance. The present invention relates to a risk information providing system that presents information quantified based on an evaluation result and a risk improvement proposal to an external operation terminal through a computer network.

[0002]

2. Description of the Related Art Land, real estate, natural products, and the like may lose their property value (damage) due to earthquakes, typhoons, floods, and other disasters. As such, these managers seek to transfer risk by taking out non-life insurance. The insurance rate of non-life insurance is determined by the location of the object to be insured, the probability of damage, disaster prevention performance, and the like. For example, the earthquake insurance rate for a property located in an area where the probability of earthquake occurrence is high, or the fire insurance rate for a property with inadequate disaster prevention facilities,
Relatively high. For a business manager or a manager such as a factory, it is important in terms of management costs to determine the amount of non-life insurance that one intends to join and how efficiently to join non-life insurance. Normally, the insurance premium rate is calculated based on the risk assessment information obtained by the person in charge of the non-life insurance company visiting the factories and buildings to be insured to evaluate the risk against disaster. . However, risk assessment for disasters requires considerable expertise, so if there are many objects, it may not be possible to meet the request for risk assessment.

As means for solving such a problem, a damage assessment system based on wind and flood damage has been conventionally known (Japanese Patent Laid-Open No. 10-16 / 1998).
1993) and an earthquake damage evaluation system (see JP-A-11-175623). The storm and flood damage assessment system uses typhoon information, ie, past or actual typhoon courses, time-series information on powers, and forecast information on typhoons in order to be able to efficiently evaluate damage (one of risks) caused by typhoons And a means for objectively calculating the estimated amount of damage for each region using the calculated wind speed. On the other hand, the seismic damage evaluation system uses the damage (one of the risks)
In order to be able to efficiently evaluate the damage, the damage rate (for example, the damage rate of the building due to vibration, liquefaction, and earthquake fire) is calculated based on the assumed earthquake, and based on the calculated damage rate, It is equipped with means for performing damage evaluation.
According to each of these damage evaluation systems, there is an advantage that a disaster risk evaluation can be performed quickly by inputting only necessary evaluation items, even if there is no special knowledge.

[0004]

Each of the above-mentioned damage evaluation systems is used only for evaluating risks against limited disasters such as wind and flood damages and earthquakes. It goes without saying that the disaster that damages the target object is not limited to wind and flood damage and earthquakes. Further, each loss evaluation system is usually used by a specific person, such as a person in charge of a non-life insurance company, and customers rarely use it. Therefore, the range of use of each damage evaluation system may be limited. Furthermore, in each damage evaluation system, the form of the condition input for the evaluation and the output form of the evaluation result are not always sufficiently examined, and some problems remain in terms of operability. Was something.

A main object of the present invention is to provide a risk information providing system which is excellent in operability and can be used by customers. Another object of the present invention is to provide a recording medium suitable for realizing the risk information providing system with a general-purpose computer.

[0006]

The risk information providing system according to the present invention for solving the above-mentioned problems includes a disaster for an object, such as land, real estate, or natural products, whose property value may be lost due to the occurrence of the disaster. Means for retaining evaluation criteria for quantifying the risk to
A risk evaluation based on a predetermined evaluation condition and the evaluation criterion corresponding to the evaluation condition is executed in response to a request of an operator of an external operation terminal connected to a computer network, and a result of the risk evaluation is output to the external operation terminal. A risk evaluation means for outputting to the terminal and an authentication means for authenticating the operator of the external operation terminal are provided. One of the operators authenticated by the authentication means is a customer of a person who belongs to the manager of the object to be evaluated and has set the evaluation criterion, and another of the authenticated operators is the evaluation operator. The person in charge of registration who is identified with the person who set the standard. The risk evaluation means includes a predetermined evaluation condition including the type of the management target and the disaster inputted by the customer, or a special evaluation including the type of the specific target and the disaster input by the person in charge of registration. The risk assessment is performed based on conditions, so that the assessment criteria can be shared by the customer and the registrant.

[0007] By using the risk information providing system having such a configuration, it becomes possible for a customer to self-diagnose the degree of a risk of a natural disaster held by an object to be managed without using an expert. "Special evaluation conditions"
The term “evaluation conditions” refers to, for example, evaluation conditions or other similar conditions for another customer's object to which the same evaluation standard can be applied.

In a preferred embodiment, there is provided simulating means for arbitrarily setting an evaluation condition to form a simulated risk situation in the object, and a result of the simulating means is output together with a result of the risk evaluation. And
Alternatively, it is configured to output in place of the execution result of the risk evaluation. This makes it possible to verify, for example, the tendency of the evaluated risk to increase or decrease.

In the case where a relative risk evaluation with another customer is performed, there is provided a statistical processing means for generating statistical information of a result of the risk evaluation performed on an object managed by a different customer. In this case, the risk evaluation means is configured to simultaneously output the statistical information as a result of performing a risk evaluation on each of the objects.

Considering the follow-up of the risk assessment,
The risk information providing system may be configured to include means for providing information for improvement proposal based on the result of the risk evaluation.

[0011] A schedule table is provided in which the customer and the person in charge of registration can mutually write and read data, and the schedule table includes at least a survey schedule for risk assessment of the object held by the customer and its schedule. The implementation status may be recorded in an updatable manner.
This makes it easier to make a schedule for reducing the risk.

[0012] Interface means for receiving a request for risk evaluation and displaying a page screen for presenting the result of the risk evaluation on the external operation terminal are further provided. This interface means is adapted to the contents set by the external operation terminal. The display form of the page screen may be changed accordingly. This interface means is for displaying an interface screen including a set of a plurality of meshes each representing a geographical area of a predetermined size. Each mesh is associated with an execution result of the risk evaluation related to the region.

Another risk information providing system according to the present invention comprises:
Map data holding means for holding map data for expressing a geographic image including the target object, and means for accumulating a history of disasters that occurred in the past and a state of damage caused by each disaster in association with the map data And displaying on the display of the external operation terminal connected to the computer network a geographic image that includes the object to be evaluated as a part thereof and the disaster associated with the area specified on the geographic image Interface means for displaying the history of the disaster and the state of damage on the display unit in an image form, and the degree of risk for the disaster held by the object to be evaluated is visually determined on the display unit based on the history of the disaster and the damage state. It is configured to be expressed as follows.

[0014] Another risk information providing system of the present invention comprises:
Map data holding means for holding map data for expressing the above geographic image at least in units of areas having a possibility of affecting a target object in the event of a disaster, and a hazard in the event of a past disaster Means for accumulating information in association with individual geographic image regions of the map data for each disaster, and a display area of an external operation terminal connected to a computer network, the geographical area including an object to be evaluated as a part thereof Interface means for displaying an image and displaying the hazard information for each disaster associated with the area specified on the geographic image on the display unit, the risk to the disaster held by the object to be evaluated is reduced. The degree is visually expressed on the display unit based on the hazard information. The map data is held, for example, in units of layers associated with each other, and at least all or a part of the layer including the position of the object is formed of a set of meshes each representing a geographic image region of a predetermined size. The information to be displayed is associated with individual layers or meshes.

The interface means in the risk information providing system is configured so that the operator of the external operation terminal can change the display mode displayed on the display unit of the terminal according to the conditions set by the operator.
This allows the operator to display the information provided from the risk information providing system in any form.

The risk information providing system may further comprise means for externally inputting weather information indicating a weather condition. In this case, the interface unit is configured to cause the display unit to display a predicted occurrence of a disaster due to a change in weather and a degree of risk that fluctuates accordingly.

A simulation means for forming a simulated risk situation in the object based on a history of past disasters and hazard information generated at the time of each disaster, and a result of the simulation means is displayed on the display unit. May be displayed. By using this simulating means, it is possible to easily grasp the results of the measures taken to reduce the risk.

A recording medium according to the present invention for solving the above-mentioned other problems is a computer-readable recording medium in which a program code for causing a computer to execute the following processing is recorded.・ First recording medium (1) Maintain evaluation criteria for each disaster to quantify the risk of disaster for land, real estate, natural products, and other objects whose property value may be lost due to the occurrence of the disaster In addition, a risk evaluation based on a predetermined evaluation condition and the evaluation criterion corresponding to the evaluation condition is executed in response to a request of an operator of an external operation terminal connected to a computer network, and the risk evaluation execution result To the external operation terminal, (2) a process of authenticating the operator of the external operation terminal, and (3) the authenticated operator belongs to the manager of the object to be evaluated. If the customer is a customer of the person who has set the evaluation criteria, a predetermined evaluation condition including his / her own management target and disaster type information input by the customer is accepted, and an authenticated operator determines the evaluation criteria. If the person in charge of registration is the same as the designated person, the special person receives the special evaluation condition including the specific object and the type information of the disaster input by the person in charge of registration, and receives the predetermined evaluation condition or the special evaluation. A process of executing the risk assessment based on a condition.

Second recording medium (1) Map data for expressing a geographic image including an object such as land, real estate, natural products, or the like, whose property value may be lost due to the occurrence of a disaster. In addition to storing the information, the history of disasters that occurred in the past and the damage caused by each disaster are stored in a predetermined storage unit in association with the map data, and stored in a display unit of an external operation terminal connected to a computer network. A process of displaying a geographic image including an object to be evaluated as a part thereof and displaying an image of a disaster history and a disaster state associated with a region specified on the geographic image on the display unit; 2)
A process of visually expressing, on the display unit, a degree of risk of the object to be evaluated with respect to a disaster, based on the history of the disaster and the state of damage.

Third recording medium (1) Map data for expressing a geographic image including an object, such as land, real estate, or natural products, whose property value may be lost due to the occurrence of a disaster. While retaining at least the area unit of a size that may affect the object at the time of the occurrence of a disaster, the hazard information at the time of a disaster that occurred in the past and the area of each geographic image of the map data for each disaster The geographic image including the object to be evaluated is displayed on the display unit of the external operation terminal connected to the computer network, and stored on the predetermined storage means. A process of displaying hazard information for each disaster associated with the designated area on the display unit; and (2) a risk of disaster for the object to be evaluated. A process of visually expressing a degree on the display unit based on the hazard information.

[0021]

Embodiments of a risk information providing system will be described below with reference to the drawings. FIG. 1 is a risk information in which a target is a factory of a company as a customer and risk information of the factory and a place where the factory is located (hereinafter, referred to as “site” for convenience) is provided to a person in charge of a non-life insurance company and a customer. It is a block diagram of a provision system. Of course, the factory and the location where it is located are exemplary.

The risk information providing system 1 of the present embodiment
Is configured by connecting a database server 10, an information providing server 20, and an authentication server 30 via a secure server network L1. Securia Server Network L
1 is connected to a public LAN (Local Area Network) L2 via a firewall (F / W) 41,
Further, the Internet L3 is connected via the router 42. The public LAN (L2) is connected to an affiliated external institution system 40, and is connected to the Internet L2.
Is connected to a client terminal 50 operated by a person in charge of registration of a nonlife insurance company or a customer (including persons belonging to the customer (employees, dispatch staff, etc., the same applies hereinafter)).

The external institution system 40 is an information processing system provided in an external institution for transmitting, for example, weather information and accident information that occur at any time. The weather information is information on occurrence of a typhoon, a strong wind, an earthquake or the like, and the accident information is information on occurrence of a fire or explosion. These pieces of information are appropriately used for risk evaluation, simulation, and the like.

The client terminal 50 is, for example, “Intern
et Explorer (US: trademark of Microsoft Corporation) "
And a terminal having the same function as a personal computer having a display unit and a communication unit capable of starting a browser.

<Database Server> The database server 10 is a computer functioning as data storage means in the present system, and transfers information to and from the information providing server 20 and the external institution system 40 as shown in FIG. It has an input / output control unit 11 and a database 12 in which information to be transferred is stored. The database 12 includes a map data file 121, a disaster information file 122, a customer site information file 123,
Evaluation criteria information file 124, survey result file 12
5, a statistics file 126, and a proposal information file 127 are provided, and the corresponding data is accumulated.

The map data file 121 is a file in which map image data layer-managed by geographical area such as prefectures, municipalities, towns, and rivers, and the history of disasters that occurred in the past are recorded. is there. Which layer corresponds to which map image is managed by a table format layer master. Part or all of the layer is a plurality of meshes (mesh: image cells constituting the layer) master (table) each representing a geographic region of a predetermined size.
Is managed by Some layers are linked to each other with other layers. Information indicating the history of the disaster and the status of the disaster is recorded in association with the map data (layer / mesh). The history of the disaster is, for example, image information for expressing the epicenter of the earthquake and the current active fault in the case of an earthquake, and image information of the past passage route of the typhoon in the case of a typhoon (traveling speed, central pressure, Time series data such as the atmospheric pressure, the amount of pressure decrease, the maximum rotation wind speed radius, and a flag indicating landing), and river area image information indicating the past inundation status in the case of river inundation. The damage status is damage information at the time of damage caused by each disaster.

The disaster information file 122 includes an earthquake, a wind disaster,
This is a file that records disaster information on flood disasters and other disasters. In the disaster information file 122, in addition to weather information and accident information input from the external organization system 50 as needed,
Past hazard information for each disaster is recorded. The hazard information is quantified information such as the past ground surface acceleration in the case of an earthquake and the past maximum instantaneous wind speed in the case of a typhoon. It should be noted that the hazard information is recorded while being linked to the layer or mesh of the corresponding area.

The customer site information file 123 is a file in which information on sites is recorded for each customer. Specifically, site configuration information of registered customers (for example, information that a certain customer has a factory A, a factory B, and the like), position information (latitude and longitude, Address, etc.) and symbol data used to map and display each site on a map image. If necessary, detailed information of each site, for example, a photograph obtained by the survey, a layout drawing of the premises, a moving image representing the surrounding environment, and the like are recorded.

The evaluation criterion information file 124 is a file in which evaluation criterion information which is a risk evaluation criterion determined by the nonlife insurance company is recorded. Evaluation criteria information is, for example,
Risk factors calculated based on original criteria based on the attributes of the site itself (building year, structure, maintenance / undeveloped maintenance system, etc.) and surrounding environmental conditions (location conditions, etc.), empirical values or theoretical values in advance It is the susceptibility to damage at the time of disaster quantified based on this. This evaluation criterion information is recorded for each disaster.
It should be noted that various types of evaluation criterion information are described in, for example, JP-A-10-161993 and JP-A-11-175.
No. 623 can be used.
Alternatively, these can be used in combination.

The survey result file 125 stores information (text, text, etc.) obtained as a result of a survey conducted in the past for each site.
Records (drawings, photos, videos) along with the survey date for each site. This is suitable when grasping the situation of the site after the fact.

The statistical file 126 is a file in which, for each customer or each customer's site, various statistical information (industry average, site average, etc.) based on information obtained as a result of surveys and results of past risk evaluations is recorded. It is. The proposal information file 127 is a file that records information on improvement proposals made for each site.

As described above, in the database server 10, various data for displaying the site information and the risk information based on the map on the browser of the client terminal 50 are accumulated in units of layers or meshes. I have. FIG. 3 shows an example of a screen represented by the database server 10. FIG. 3A shows a map layer G1 on which a symbol mark SS representing a site position and its type is mapped, and FIG. 3B shows a mesh layer G2. When displayed in a browser,
As shown in (c), the map image layer G1 and the mesh layer G2 become a layer G3 that overlaps. The positions of the individual meshes are managed by a layer composed of a set of meshes shown in FIG. 2, and the meshes in the corresponding areas are used to change the color tone such as hazard information described later or the likelihood of damage. Are linked. As shown in FIG. 3C, a person who operates the client terminal 50 (hereinafter, referred to as a user)
When a “terminal operator”) clicks near a site using a pointing device, hazard information for each site is displayed through a mesh at that position.

<Information providing server> Information providing server 20
Is a computer that functions as an interface unit with the authenticated client terminal 50 and an operation unit of information stored in the database server 10. As shown in FIG. 4, the information providing server 20 includes an interface unit 21, an input / output control unit 22, a risk evaluation unit 2,
3. It has functional blocks of a display control unit 24 and a schedule management unit 25. These functional blocks, the above-mentioned computer, a fixed storage device such as a hard disk,
It is formed by reading and executing a program code recorded in a portable storage device such as a CD-ROM or a DVD-ROM.

The interface unit 21 causes the browser of the client terminal 50 to display an operation screen for prompting the user to input an information request and conditions for the information, and also receives request data, condition data, and the like input through the operation screen. And a function of displaying a presentation screen of various information corresponding to the request data. This function is
By sending “Applet” created by ava (trademark of Sun Micro Corporation, USA) to the client terminal 50, or by sending the information providing server 20 a CGI (Comm.
on Gateway Interface) It is realized by preparing an application in a storage device (not shown). Although executed on the information providing server 20, the execution may be realized by commercially available agent software according to an instruction from the client terminal 50.

The operation screen is a screen for specifying the type of information that can be presented to the terminal operator through the browser of the client terminal 50, the location of a site to be evaluated, other evaluation conditions, and the like. 24 is a hierarchical page screen whose expression form changes under the control of H.24. A plurality of dialog windows are displayed on each page screen together with respective guide information. When a terminal operator selects an item prepared in a desired dialog window by a pointing device, other page screens linked to each other and sub-windows describing various conditions are displayed on the browser. .

When the image on the page screen is represented by a set of meshes, and information is linked to each mesh, the terminal operator selects the mesh by a pointing device to obtain the linked information, Alternatively, a page screen for reading the page is displayed. This method of selecting information or a page screen using a mesh can be an effective method for quickly displaying desired information. The presentation screen for various information has substantially the same structure as the operation screen.

The input / output control unit 22 exchanges data with the database server 10, the authentication server 30, the external institution system 40, and system input / output devices (keyboard, pointing device, display, printer, etc. of the information providing server). To control.

The risk evaluation unit 23 includes the interface unit 2
If the request data and the condition data input from the terminal operator through 1 are a request for risk evaluation and a condition for a certain customer site, the evaluation criterion information file 12
The required evaluation criterion information is searched for from 4, the risk evaluation of the site is performed based on the searched evaluation criterion information, and the resulting risk information is generated. Risk assessment includes, for example, identifying factors that may lead to disaster
Undeveloped, type of building structure, use of building / building process, presence of disaster prevention facilities, risk of burning, risk concentration status, accident history, etc. , The maximum expected loss in the event of a disaster (damage calculated based on predetermined criteria, Probable Maximum Loss, hereinafter “PML”) based on the susceptibility to damage (coefficient value)
), And expressing the quantified risk by a change in the color tone of the image. The risk information generated in this case is numerical data of the risk, PML for each item, image data representing the evaluation result, or a combination thereof. The risk evaluation information edited also as a list of risk factors, site-specific risk, site-specific PML, risk-specific PML, site-specific risk-specific PML, and the like. These pieces of risk information are output in the form of graph display, radar display, and bitmap image display. The generated risk information is recorded (stored) in the statistics file 126.
Is done.

When performing a risk evaluation, the risk evaluation unit 23 checks whether or not the results of a previous survey performed on the site are stored in the survey result file 125.
If the information is accumulated, risk information is generated by reflecting the contents of the investigation result. If the result of the survey is not accumulated and the risk assessment cannot be performed based on the inputted evaluation conditions alone, the user is prompted to input necessary survey results.

At the time of risk evaluation, the risk evaluation unit 23 arbitrarily sets evaluation conditions to form a simulated risk situation for the object and performs a risk evaluation, and at the time of displaying a risk based on a past disaster, It also has a simulation function of forming a pseudo risk situation in the target object based on the history of past disasters and the hazard information generated at the time of each disaster. Using this simulation function, it is possible to predict the occurrence of a disaster based on weather information, accident information, and the like that are input as needed. As a result, it is possible to simulate how the current risk changes, present the result to the terminal operator, and use the result as an auxiliary material at the time of improvement proposal.

The display control unit 24 includes the interface unit 21
Controls the display mode of the page screen displayed on the browser of the client terminal 50 through the. The display control unit 24 performs switching of page screens, layout (including mapping) of information displayed on each page screen, color change when displaying risk information, and the like. The control of the display mode is performed according to the operation contents of the terminal operator who operates the client terminal 50, the operation contents of the operator of the present system, or the preset contents. For example, when the risk evaluation information is expressed as an image, the expression form of the image is changed according to the setting of the operating terminal operator, or according to whether the terminal operator is a person in charge of a non-life insurance company or a customer (described later). (By the output from the authentication server 30).

The schedule management unit 24 receives a request from the customer to the non-life insurance company, an implementation report on a risk improvement proposal submitted by the non-life insurance company to the customer, and the like, and a risk for each person in charge implemented by the non-life insurance company. It manages the survey schedule. The request includes, for example, a request for a risk survey. “Risk survey” means that the person in charge of the non-life insurance company visits the customer's site with the client terminal 50, conducts a factory survey, and compares the result of the survey with a predetermined standard set by the non-life insurance company. This means that the information providing server 20 performs a risk assessment and, if necessary, makes an improvement proposal or the like to reduce the risk. The results of the risk survey (which is also an example of risk information) can be used as a basis for determining the insurance premium rate when applying non-life insurance and whether or not discounts are applied. It also has the implication of the check. In the schedule management unit 24, a file management unit (not shown) prepares a fixed form for reporting an execution of such a risk survey request or improvement proposal. The customer reads an arbitrary fixed form from the file management means and makes a request or an execution report. Non-life insurance companies post the implementation schedule of risk surveys on bulletin boards that can be viewed by authorized terminal operators so that the implementation status can be objectively grasped.

<Authentication Server> The authentication server 30 is a computer for authenticating whether or not the terminal operator is registered in the present system, and has the functions of a registration processing unit and an authentication processing unit. The registration processing unit performs a process of giving a password and an ID to a person who has registered personal information. In this embodiment, customers can be registered in addition to the person in charge of the non-life insurance company. The registered person is referred to as a “registered person”. Hereinafter, "customer" refers to a registered customer. The authentication processing unit requests a password and an ID from an accessing person, and when these are input, performs collation with a password and an ID registered in advance. If the authentication result is good, the information providing server 20 is notified together with data for distinguishing the registered person / customer. When any one of a plurality of predetermined authority levels is set for each person in charge of registration or a customer, data indicating the authority level is attached to the above notification. In this way, security is ensured by connecting this system to the Internet L3 accessible by unspecified persons.

In this embodiment, the authentication server 30 is provided separately on the assumption that there are a large number of terminal operators (users). The function of the authentication server 30 is prepared by the information providing server 20. In addition, the present invention can be implemented even if the authentication server 30 is omitted. Further, the database server 10 and the information providing server 20 can be realized by one computer.

<Operation Form> Next, an example of an operation form of the risk information providing system 1 of the present embodiment will be described. Here, two operation modes in the case of risk evaluation and risk evaluation with reference to past disasters will be described. The only recipients of the information are the registrant and the customer. FIG. 5 is a diagram showing a processing procedure by the information providing server 20 when an information request is made through the client terminal 50. When there is an information request, the information providing server 20
(Step A101: Yes, A10)
2). If the person is the person in charge of registration, the top screen for the person in charge is displayed on the browser of the client terminal 50 (step A103: Yes, A105). If it is a customer, a top screen for the customer is displayed (step A).
103: No, A104: Yes, A106).

FIG. 6 shows an example of the top screen (MENU) for the customer, and FIG. 7 shows an example of the top screen (MENU) for the person in charge of registration. The customer has a browser display screen 5
1, the self-diagnosis S
11. By selecting any one of the risk display S12, the scheduler S13, and the execution report S14 with the pointing device, the screen is switched to the next page screen. Since the usage manual M01 is displayed, an operation is performed with reference to this. “Self-diagnosis” is a risk evaluation performed by a customer himself. For example, a customer can self-diagnose the risk of a natural disaster at his site, such as an earthquake risk, a wind disaster risk, or a river flood risk, and use the result as a judgment material for disaster prevention. “Risk display” refers to performing disaster-specific risk display. The “scheduler” is to request a risk survey and to grasp the implementation status. "Implementation report" is to report the implementation status of improvement proposals from non-life insurance companies.

On the other hand, the person in charge of registration is a button image displayed on the display screen 51 of the browser, that is, a risk evaluation S21, a risk display S22, a scheduler S23, a simulation S24, a statistical information request (stated as a statistic) S
25. Information request for improvement proposal (noted as improvement proposal) S
26, the next page screen is switched to the browser by selecting one of the report information acquisition (noted as a report) S27 and the survey report request (noted as a survey report) S28 with a pointing device. “Risk assessment” is a risk assessment performed for insurance solicitation or improvement proposals, for example.
Evaluation conditions different from those of the customer can be set. “Risk display” refers to performing disaster-specific risk display. “Scheduler” is to check the implementation status of the risk survey. "Simulation"
The simulation is based on various conditions.
“Statistics” is to make a request for risk statistical information. "Improvement proposal" is to request improvement proposal information created in the past for a certain site. "Report"
Refers to requesting various reports submitted in the past for a site, and "research report" refers to requesting previously submitted reports for a site.

FIG. 8 is a diagram showing the contents of a scheduler common to customers and registration personnel. On the display screen 51 of the browser, a table SB in which the risk survey is scheduled / completed for each factory is described, a risk survey execution schedule input area SD for each site, a schedule registration / cancellation area SE, The comment area SC input by the customer is displayed. Since the table SB is updated as needed, both the customer and the person in charge of registration can grasp the implementation status of the risk survey at any time by referring to the table SB.

[Risk Evaluation] Next, the information providing server 20
Will be described with reference to FIG.
The process starts when the customer selects the self-diagnosis S11 and the registrant selects the risk evaluation S21.
In each case, the same evaluation criterion information is shared. Here, the procedure of risk evaluation by the person in charge of registration is shown (in the case of a customer, the only difference is that information relating to other customers cannot be viewed).

First, the property (factory) of the site to be evaluated
Is selected from the geographic images on the display screen of the browser (step H101). Then, a screen for selecting a risk to be evaluated is displayed (step H102). This selection screen is performed by the registration person in charge of the property by inputting the presence or absence of a management system, the building structure, and the like. The information providing server 20 receives the input data (step H103), performs evaluation with reference to the evaluation criterion (step H104), and scores the result. Specifically, the PML is calculated (Step H105). In addition, the statistical information of the same industry customers generated and accumulated is searched, and the industry average score and the average score of the customer are added, so that comparison with these can be performed (steps H106 and H10).
7).

When the display manager changes the display mode, the information providing server 20 changes the display mode (Step H108: Yes, H109). The risk information, which is the result of the risk evaluation, is transferred from the information providing server 20 to the client terminal 50, and is additionally recorded in the risk evaluation information file 126 and the statistics file 127 at the same time. Thereafter, PML and the like are accumulated and risk evaluation statistical information is accumulated (steps H110 and H11).
1). If there is another property, the processing after step S101 is repeated until there is no more property (step S11).
2).

Based on the result of the risk evaluation, the person in charge of registration makes an improvement proposal as needed. The content of the improvement proposal is
It is additionally recorded in the proposal information file 127. If necessary, the risk evaluation unit 23 may be accessed to perform various simulations, and the results may be attached to improvement proposals. Desirably, follow-up (receiving an implementation report from the customer side) whether the improvement proposal has been implemented, and manage the progress. Resubmit if necessary.

[Disaster-specific risk display] Next, a disaster-specific risk display process in the information providing server 20 will be described. This process is started when both the customer and the person in charge of registration select risk displays S12 and S22 from the top page screen. At the start of the processing, a display screen 51 having a layout as shown in FIG. 10 is displayed on the browser. In the figure,
Reference numeral 52 denotes a current display height (scale), 53 denotes various command buttons, 54 denotes an image display screen, and 541 denotes an image movement instruction button. 55 is an area information display selection area, 56 is a risk selection area, and 57 is a hazard selection area.

FIG. 11 is a processing procedure diagram for displaying disaster-specific risks. First, area information display based on map data is performed (step R101). When changing the display area, the corresponding operation is performed (Step R102: No,
R103). Thereafter, a risk selection screen is displayed (step R104). In this example, the risk is one of an earthquake risk, a typhoon risk, and a river flood risk.

When a risk is selected (step R1)
05: Yes), find out the past hazard information about the selected risk, and assign this to the layer / mesh in the corresponding area. As a result, the hazard information is displayed visually (step R106). Specifically, each natural disaster risk is displayed as follows.

Earthquake risk: The main active fault at the site location and the location of the epicenter of a large earthquake that has affected the location in the past are retrieved from the database server 10 and displayed on the browser. In addition, the ground surface acceleration, liquefaction risk, and the like due to the earthquake are retrieved from the database server 10 and displayed as a change in default color tone.
Furthermore, the calculation result of the ground surface acceleration generated near the site due to the earthquake is also displayed. Thereby, the earthquake risk of the site can be visually grasped.

Wind disaster risk: The path of the main typhoon that has hit the site at the site in the past is retrieved from the database server 10 and displayed on the browser. Also, the instantaneous maximum wind speed of the typhoon is retrieved from the database server 10 and displayed as a change in default color tone.
Furthermore, the calculation result of the instantaneous maximum wind speed generated near the site due to the typhoon is also displayed. This makes it possible to visually grasp the wind disaster risk of the site.

River flood risk: A publicly designated “protection target area map” is displayed for first-class rivers nationwide. Extract rivers and display the flooded area on the map image of the browser. At that time, the numerical value of the simulation calculation regarding the hazard information of each site is referred to.

Thereafter, when the terminal operator instructs to change the display mode, the display mode is changed in that way (step R107: No, R108), and the hazard information is displayed (step R109). If another risk is selected, the processing after step R104 is repeated (step R110: Yes).

In addition to the above-mentioned form, as shown in FIG. 12, the results of the same risk evaluation are switched and displayed in different forms, for example, a map color-coded display at one time and a site comparison graph at another time. You can also. In the case of the map color-coded display, the PML, the extent of fire spread (in case of fire or explosion), and the degree of business continuity (these are also pieces of risk information), the pixel colors in the mesh are displayed on the terminal operator side. It will be displayed arbitrarily set. The site comparison graph is limited to the case where the site belongs to the same customer.

As described above, according to the risk information providing system 1 of the present embodiment, not only the person in charge of registration but also the customer can self-diagnose the degree of risk of the site using the evaluation criteria of the non-life insurance company. It can be used as judgment data when joining non-life insurance. In addition, customers can use a simple operation on the screen displayed on the browser to determine what risks their sites are currently facing in the event of a disaster. By confirming the damage situation, it can be easily grasped. In particular, in the case of an earthquake risk, by recreating the currently known earthquake on the active fault, the maximum damage that would be possible if a similar earthquake occurred,
It is also possible to take measures in advance in case of damage.

[0062]

As is clear from the above description, according to the present invention, it is possible to provide a risk information providing system which is excellent in operability and can be used by customers.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a risk information providing system to which the present invention is applied.

FIG. 2 is a configuration diagram of a database server according to the embodiment.

3A and 3B are diagrams showing an example of a screen represented by the database server of FIG. 2, wherein FIG. 3A is a map image, FIG. 3B is a mesh, and FIG. .

FIG. 4 is a configuration diagram of an information providing server according to the embodiment.

FIG. 5 is a diagram showing a processing procedure when an information request is made through a client terminal.

FIG. 6 is a diagram showing an example of a top screen (MENU) for a customer.

FIG. 7 is a diagram showing an example of a top screen (MENU) for a person in charge of registration.

FIG. 8 is a diagram showing contents of a scheduler common to a customer and a person in charge of registration.

FIG. 9 is an explanatory diagram of a procedure of risk evaluation according to the embodiment.

FIG. 10 is a diagram showing an example of a display screen of a browser when a disaster-specific risk display process is executed.

FIG. 11 is an explanatory view of a procedure of a disaster-specific risk display process.

FIG. 12 is a diagram illustrating an outline of displaying the same risk evaluation result in different forms.

[Explanation of symbols]

 1 Risk Information Providing System 10 Database Server 20 Information Providing Server 30 Authentication Server 40 External Institution System 41 Firewall (F / W) 42 Router 50 Client Terminal L1 Securia Server Network L2 Public LAN L3 Internet

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Hiroyuki Watanabe 1-2-1, Marunouchi, Chiyoda-ku, Tokyo Inside Tokyo Metropolitan Marine Insurance Co., Ltd. (72) Keisuke Okuda 1-2-1, Marunouchi, Chiyoda-ku, Tokyo No. East Tokyo Marine Fire Insurance Co., Ltd. (72) Inventor Takashi Mikajiri 1-4-4 Nakase, Mihama-ku, Chiba-shi, Chiba Prefecture Inside Tokyo-East Marine Risk Consulting Co., Ltd. (72) Inventor Kenji Tagawa 1 Nakase, Mihama-ku, Chiba-shi, Chiba F-term (reference) at No.4, Tokyo Keikai Maritime Risk Consulting Co., Ltd. (reference)

Claims (16)

[Claims] [Claim 1] Retaining evaluation criteria for quantifying the risk of disaster for an object such as land, real estate, natural products, or the like, whose property value may be lost due to the occurrence of a disaster for each disaster. Means, performing a risk evaluation based on a predetermined evaluation condition and the evaluation criterion corresponding to the evaluation condition in response to a request of an operator of an external operation terminal connected to the computer network, and executing the risk evaluation execution result. A risk evaluation unit that outputs the address to the external operation terminal; and an authentication unit that authenticates an operator of the external operation terminal. One of the operators authenticated by the authentication unit is a manager of an object to be evaluated. And a customer of a person who has set the evaluation criteria, and another one of the authenticated operators is a registration clerk identified with the person who set the evaluation criteria. The risk evaluation means includes a predetermined evaluation condition including the type information of the management object and the disaster input by the customer, or the type information of the specific object and the disaster input by the registrant. A risk information providing system, wherein the risk evaluation is performed based on a special evaluation condition so that the evaluation criterion can be shared between the customer and the person in charge of registration. 2. A simulating means for arbitrarily setting the evaluation condition to form a pseudo risk situation in the object, outputting a result of the simulating means together with an execution result of the risk evaluation, or The risk information providing system according to claim 1, wherein the system is configured to output the result of the risk evaluation in place of the execution result. 3. Statistical processing means for generating statistical information of the execution result of the risk evaluation for an object managed by a different customer, wherein the risk evaluation means outputs a result of the risk evaluation for each object. The risk information providing system according to claim 1, wherein the system is configured to output the statistical information at the same time. 4. The risk information providing system according to claim 1, further comprising means for providing information for improvement proposal based on a result of the risk evaluation to the operator. 5. A schedule table in which the customer and the person in charge of registration can mutually write and read data, and the schedule table contains at least a risk evaluation for the object held by the customer. 2. The risk information providing system according to claim 1, wherein the investigation schedule and its implementation status are configured to be recorded in an updatable manner. 6. An interface unit for receiving a request for the risk evaluation and displaying a page screen for presenting an execution result of the risk evaluation on the external operation terminal, wherein the interface unit performs setting by the external operation terminal. The risk information providing system according to any one of claims 1 to 5, wherein a display mode of the page screen is changed according to contents. 7. The interface means for displaying an interface screen composed of a set of a plurality of meshes each representing a geographical area of a predetermined size, wherein each mesh has an execution result of a risk evaluation relating to the area. The risk information providing system according to claim 6, wherein the risk information is provided. 8. Map data holding means for holding map data for expressing a geographic image including an object such as land, real estate, natural products, or the like, whose property value may be lost due to the occurrence of a disaster. Means for accumulating the history of disasters that occurred in the past and the state of damage caused by individual disasters in association with the map data; and displaying the objects to be evaluated on the display of an external operation terminal connected to a computer network. Interface means for displaying a geographic image included in a part thereof and displaying an image of a disaster history and a disaster state associated with a region specified on the geographic image on the display unit; That the display unit is configured to visually represent the degree of risk for a disaster that an object has on the display unit based on the history of the disaster and the damage status. Characterized by a risk information provision system. 9. Map data for representing a geographic image including an object such as land, real estate, natural products, and the like, whose property value may be lost due to the occurrence of a disaster, at least when the disaster occurs. Map data holding means for holding an area having a size that may affect a target object, and associating hazard information at the time of a disaster that occurred in the past with each geographic image area of the map data for each disaster. Storing means for displaying a geographic image including an object to be evaluated in a part thereof on a display unit of an external operation terminal connected to a computer network, and correlating the geographic image with an area designated on the geographic image; Interface means for displaying hazard information for each disaster on the display unit, the degree of risk to the disaster that the object to be evaluated has Is provided on the display unit based on the hazard information. 10. The map data is stored in a mutually associated layer unit, and at least all or a part of a layer including a position of the object is formed from a set of meshes each representing a geographic image area of a predetermined size. 10. The risk information providing system according to claim 8, wherein the information to be displayed is associated with each layer or mesh. 11. The interface means is configured such that an operator of the external operation terminal can change a display mode displayed on a display unit of the external operation terminal in accordance with a condition set by the operator. The risk information providing system according to claim 8. 12. The apparatus further comprises means for externally inputting weather information indicating a weather condition, wherein the interface means displays on the display unit an anticipated occurrence of a disaster due to a change in weather and a degree of risk fluctuating accordingly. The risk information providing system according to claim 8, wherein: 13. A simulating means for forming a simulated risk situation in the object based on a history of past disasters and hazard information generated at the time of each disaster, and a result of the simulating means is provided. The risk information providing system according to claim 8, wherein the system is configured to be displayed on a display unit. 14. An evaluation standard for quantifying a disaster risk of an object, such as land, real estate, or natural products, whose property value may be lost due to the occurrence of the disaster, for each disaster, A risk evaluation based on a predetermined evaluation condition and the evaluation criterion corresponding to the evaluation condition is executed in response to a request of an operator of an external operation terminal connected to a computer network, and a result of the risk evaluation is output to the external operation terminal. Processing to output to the terminal, processing to authenticate the operator of the external operation terminal, the authenticated operator is a customer belonging to the manager of the object to be evaluated and who has set the evaluation criteria In some cases, a predetermined evaluation condition including the management object and disaster type information input by the customer and received by the customer is accepted, and the authenticated operator is identified with the person who set the evaluation criteria. If the person in charge of registration is a special person, the special person receives a special evaluation condition including the specific object and disaster type information entered by the person in charge of registration, and based on the predetermined evaluation condition or the special evaluation condition, A computer-readable recording medium on which a program code for causing a computer to execute a process of performing a risk assessment is recorded. 15. Holding map data for expressing a geographic image including an object such as land, real estate, and natural products whose property value may be lost due to the occurrence of a disaster, The history of the disaster and the state of damage caused by each disaster are stored in a predetermined storage means in association with the map data, and the object to be evaluated is displayed on the display unit of the external operation terminal connected to the computer network. A process of displaying a geographic image included in a part thereof and displaying an image of a disaster history and a disaster state associated with a region specified on the geographic image on the display unit; A program for causing a computer to execute a process of visually expressing the degree of risk to a disaster on the display unit based on the history of the disaster and the state of the disaster. Mukodo is recorded, the computer-readable recording medium. 16. Map data for expressing a geographic image including an object such as land, real estate, natural products, and the like, whose property value may be lost due to the occurrence of a disaster,
At least in the unit of an area having a size that may affect the object when a disaster occurs, the hazard information at the time of a disaster that occurred in the past corresponds to the area of each geographic image of the map data for each disaster. In addition, a geographic image including an object to be evaluated is displayed on a display unit of an external operation terminal connected to a computer network, and specified on the geographic image. Displaying on the display unit hazard information for each disaster associated with the set area, and visually indicating on the display unit the degree of risk to the disaster held by the object to be evaluated based on the hazard information. A computer-readable recording medium on which is recorded a program code for causing a computer to execute a process expressed in a computer.