JP2021189961A - Information processing apparatus, information processing method, and information processing program - Google Patents

Abstract

To provide an information processing apparatus which utilizes environment information in a field of insurance, an information processing method, and an information processing program.SOLUTION: In an information processing system configured by connecting an information processing apparatus and a plurality of terminal devices to communicate with each other by wire or by wireless connection over a network, the information processing apparatus 100 includes an acquisition unit 131 and an assessment unit 134. The acquisition unit 131 acquires sensor information acquired in the same period by a terminal device of a user having a sensor and identification information of the user. The assessment unit 134 assesses a premium rate of the user on the basis of the sensor information. The information processing apparatus may also include a modification unit 135 and an output unit 136. The modification unit 135 modifies the premium rate of the user on the basis of a result of assessment of the assessment unit 134. The output unit 136 transmits the modification on the premium rate of the user modified by the modification unit 135 to at least one of an insurance company and the terminal device of the user.SELECTED DRAWING: Figure 4

Description

The present invention relates to an information processing apparatus, an information processing method and an information processing program.

A technique for constructing a sound statistics database in which sounds in a predetermined space are collected for each type is disclosed.

Japanese Unexamined Patent Publication No. 2016-180791

However, in the above-mentioned conventional technique, fixed point observation using a recording device or the like installed in a predetermined space is assumed. Therefore, although it is possible to analyze the environment of a specific place such as the interior of a building, it is not assumed that information on the surrounding environment and situation in the daily life of a moving user will be utilized in the insurance field.

The present application has been made in view of the above, and an object thereof is to utilize environmental information in the insurance field.

The information processing device according to the present application assesses the insurance premium rate of the user based on the acquisition unit that acquires the sensor information acquired by the terminal device of the user having the sensor and the identification information of the user at the same time, and the sensor information. It is characterized by having an assessment department and an assessment department.

According to one aspect of the embodiment, environmental information can be utilized in the insurance field.

FIG. 1 is an explanatory diagram showing an outline of an information processing method according to an embodiment. FIG. 2 is a diagram showing a configuration example of an information processing system according to an embodiment. FIG. 3 is a diagram showing a configuration example of the terminal device according to the embodiment. FIG. 4 is a diagram showing a configuration example of the information providing device according to the embodiment. FIG. 5 is a diagram showing an example of a user information database. FIG. 6 is a diagram showing an example of a sensor information database. FIG. 7 is a diagram showing an example of an insurance contract information database. FIG. 8 is a flowchart showing a processing procedure according to the embodiment. FIG. 9 is a diagram showing an example of a hardware configuration.

Hereinafter, the information processing apparatus, the information processing method, and the embodiment for implementing the information processing program (hereinafter referred to as “the embodiment”) according to the present application will be described in detail with reference to the drawings. Note that this embodiment does not limit the information processing apparatus, information processing method, and information processing program according to the present application. Further, in the following embodiments, the same parts are designated by the same reference numerals, and duplicate explanations are omitted.

[1. Overview of information processing method]
First, with reference to FIG. 1, an outline of an information processing method performed by the information processing apparatus according to the embodiment will be described. FIG. 1 is an explanatory diagram showing an outline of an information processing method according to an embodiment. In FIG. 1, a case where the user's insurance premium rate is assessed and changed based on the environmental information will be described as an example.

As shown in FIG. 1, the information processing system 1 includes a terminal device 10 and an information providing device 100. The terminal device 10 and the information providing device 100 are connected to each other via a network N (see FIG. 2) so as to be able to communicate with each other by wire or wirelessly.

The terminal device 10 is a smart device such as a smartphone or tablet used by the user U, and can communicate with an arbitrary server device via a wireless communication network such as 4G (Generation) or LTE (Long Term Evolution). It is a portable terminal device that can be used. Further, the terminal device 10 is a screen of a liquid crystal display or the like, and has a screen having a touch panel function, and various types of display data such as contents such as tap operation, slide operation, scroll operation, etc. from the user by a finger, stylus, or the like. Accepts the operation of. The operation performed on the area of the screen on which the content is displayed may be an operation on the content. Further, the terminal device 10 may be not only a smart device but also an information processing device such as a desktop PC (Personal Computer) or a notebook PC. Here, a smartphone will be described as an example.

The information providing device 100 acquires sensor information (sensor data), user information, and position information, which are outputs of various sensors (Sensors) mounted on the terminal device 10, from the terminal device 10 of the user U. It is a processing device and is realized by a server device, a cloud system, or the like. Here, the information providing device 100 acquires sensor information, user information, and position information from each of an unspecified number of terminal devices 10, and stores the sensor information, user information, and position information in a database in association with each other. .. Then, the information providing device 100 estimates the context regarding the surrounding environment and the situation in the daily life of the user U based on the sensor information, and estimates the stress degree of the user U, the lifestyle of the user U, and the like. Then, the information providing device 100 assesses the insurance premium rate (or insurance premium amount) of the user U based on the estimated result, and changes it as necessary. For example, the information providing device 100 reassesses the insurance premium rate of the user U already determined by the existing insurance premium rate calculation method based on the estimated result, and the insurance premium rate of the user U is determined according to the assessment result. You may change it. The user information is identification information or the like for uniquely identifying the user U or the terminal device 10.

[1-1. Outline of information processing method from data collection to change of insurance premium rate]
First, with reference to FIG. 1, an outline of an information processing method from data collection to change of insurance premium rate will be described.

As shown in FIG. 1, the information providing device 100 receives sensor information, user information, and position information from each of the terminal devices 10 of a plurality of users U located in various places (step S1).

At this time, the terminal device 10 may be moving or may stay in one place. Further, the information providing device 100 may receive sensor information, user information, and position information from the same terminal device 10 that moves around each place. For example, the sensor information is environmental sound, atmospheric pressure, illuminance, and the like.

The information providing device 100 extracts environmental sounds from the sounds included in the sensor information, and classifies (categorizes) the environmental sounds according to the type of sound. At this time, the information providing device 100 classifies the environmental sounds into sounds that adversely affect the body and mind of the user U such as noise. In addition, environmental sounds are classified according to sounds that have a positive effect on the body and mind of the user U.

Further, the position information is the position information at the time when the terminal device 10 acquires the sensor information. The position information also corresponds to the sensor information in a broad sense.

Further, the sensor information and the position information also include information regarding the date and time when the terminal device 10 acquired the sensor information and the position information.

In the example of FIG. 1, the information providing device 100 receives sensor information, user information, and position information from each of the terminal devices 10A to 10E possessed by the users U1 to U5. The users U1 to U5 may be the same person. Further, the terminal devices 10A to 10E may be the same device.

Then, the information providing device 100 stores the sensor information received from the terminal device 10, the user information, and the position information in association with each other (step S2).

For example, the information providing device 100 stores sensor information, user information, and location information in a database in association with each other, and holds the information for a predetermined period (for example, one week / one month / six months / one year). In reality, the period may not be set and the accumulation may continue.

When the environmental sounds are classified by sound type, the information providing device 100 stores the user information and the position information for each sound type in association with each other.

Here, when the information providing device 100 cannot acquire appropriate sensor information from the terminal device 10, the information providing device 100 estimates the sensor information based on the position information (step S3).

For example, when the information providing device 100 cannot acquire the sensor information due to an obstructive factor, a sensor failure of the terminal device 10, or the like, or when the accuracy or reliability of the sensor information acquired from the terminal device 10 is considered to be low, the information providing device 100 may not acquire the sensor information. Estimate sensor information from position information. For example, the information providing device 100 uses sensor information acquired in the past at that position or sensor information acquired from a terminal device 10 of another user existing at the same or close position based on the position information. Estimate the sensor information expected to be obtained at the location. Alternatively, the information providing device 100 causes the model to learn a set of the position information and the sensor information expected to be obtained at that position as correct answer data. Then, the information providing device 100 acquires the sensor information expected to be obtained at the position by inputting the position information to the trained model. That is, the information providing device 100 acquires the sensor information output by the model when the position information is input as the estimation result.

On the contrary, when the information providing device 100 cannot acquire appropriate position information from the terminal device 10, the information providing device 100 may estimate the position information based on the sensor information. For example, the information providing device 100 may train the model as correct answer data a set of sensor information and position information in which the sensor information is expected to be obtained. Then, the information providing device 100 acquires the position information that is expected to obtain the sensor information by inputting the sensor information to the trained model. That is, the information providing device 100 may acquire the position information output by the model when the sensor information is input as the estimation result. Further, the information providing device 100 may estimate whether the user U is indoors or outdoors based on the environmental sound, the atmospheric pressure, the illuminance, and the like.

Then, the information providing device 100 estimates the influence of the context regarding the surrounding environment and the situation in the daily life of the user U on the user U, the lifestyle of the user U, and the like based on the sensor information (step S4).

For example, the information providing device 100 analyzes the environmental sound and estimates the stress level, the physical and mental health state, the lifestyle, and the like of the user U based on the environmental sound. The information providing device 100 includes environmental sounds, living sounds from upper and lower floors and adjacent rooms, passing sounds of vehicles passing through roads and railroad tracks, noises and jarring sounds of construction work, and reprimands and taunts from others. If there are complaints or complaints, the stress level of the user U due to those environmental sounds is estimated by taking into account the characteristics (personality, personality, etc.) of the user U. Further, the information providing device 100 presumes that the user U is drinking alcohol at the bar when the environmental sound includes chatting of a plurality of people, a drunken tone, contents related to ordering and providing food and drink, and the like. .. Further, the information providing device 100 estimates that the user U is near the river when the environmental sounds include the sound of flowing water, the barking of birds, and the like.

Further, the information providing device 100 may estimate that the user U is frustrated or worried from the environmental sound and the voice content. For example, in the information providing device 100, when the user U handles an object violently or sloppyly, hits an object, has an aggressive tone, or hits a wall, the user U is frustrated. I presume that it is.

Further, the information providing device 100 estimates that the user U is on a high mountain, is in a snowy area, and the like, based on the temperature and atmospheric pressure. Further, the information providing device 100 estimates that the user U lives in a room in which the right to sunshine is infringed (a dark room in which the sunlight is obstructed by another building or the like) based on the luminous intensity and the illuminance.

Then, the information providing device 100 assesses the insurance premium rate (or insurance premium amount) of the user U based on the estimated result (step S5).

The information providing device 100 changes the insurance premium rate (or insurance premium amount) of the user U according to the result of the assessment (step S6).

For example, when the information providing device 100 determines as a result of the assessment that it is necessary to change the insurance premium rate (or insurance premium amount) of the user U already determined by the existing insurance premium rate calculation method, the user U Change the premium rate (or premium amount). At this time, the information providing device 100 determines the insurance premium rate (or insurance premium amount) of the user U based on the result of the assessment.

When the insurance premium rate (or insurance premium amount) of user U is judged by one analysis, if the assessed insurance premium rate (or insurance premium amount) of user U is significantly different from the existing insurance premium rate, it is temporary. It may also be due to sensor anomalies or accidental environmental factors. Therefore, it is preferable that the information providing device 100 remeasures the assessed insurance premium rate (or insurance premium amount) of the user U several times (for example, for several days). At this time, the information providing device 100 may obtain a moving average of the insurance premium rate (or insurance premium amount) of the user U that has been remeasured several times. Further, the information providing device 100 holds the assessed premium rate (or insurance premium amount) of the user U as a change candidate, and by hearing and investigating the change candidate, the change candidate is selected as the user U's insurance premium rate (or insurance). The final decision may be made as to whether or not to formally adopt the insurance.

The information providing device 100 notifies the insurance company or the terminal device 10 of the user U of the change of the insurance premium rate (or the insurance premium amount) of the user U (step S7).

The information providing device 100 may or may not notify the insurance company or the terminal device 10 of the user U of the change in the insurance premium rate (or the insurance premium amount) of the user U. Further, when notifying the terminal device 10 of the insurance company or the user U, the notification may be made in real time immediately after the change, or may be notified at a period or date determined by the contract or regulation.

[2. Information processing system configuration example]
Next, the configuration of the information processing system 1 including the information providing device 100 according to the embodiment will be described with reference to FIG. FIG. 2 is a diagram showing a configuration example of the information processing system 1 according to the embodiment. As shown in FIG. 2, the information processing system 1 according to the embodiment includes a terminal device 10 and an information providing device 100. These various devices are connected so as to be communicable by wire or wirelessly via the network N. The network N is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet.

Further, the number and types of each device included in the information processing system 1 shown in FIG. 2 are not limited to those shown in the figure. For example, in FIG. 2, for simplification of the illustration, only one type of terminal device 10 is shown, but this is merely an example and is not limited, and may be two or more types.

The terminal device 10 is an information processing device used by the user U, and is a small portable device or mobile device having various sensors and capable of being carried or moved. For example, the terminal device 10 is a smart device such as a smartphone or a tablet terminal. Actually, feature phones, PCs (Personal Computers), PDAs (Personal Digital Assistants), car navigation systems, wearable devices such as smart watches and head-mounted displays, smart glasses, smart speakers, and 360-degree cameras. And so on.

Further, the terminal device 10 includes a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: 5th generation mobile communication system), Bluetooth (registered trademark), and wireless LAN (Local). It can be connected to the network N via short-range wireless communication such as Area Network) and communicate with the information providing device 100.

The information providing device 100 is, for example, a PC, a server device, a mainframe, a workstation, or the like. The information providing device 100 may be realized by cloud computing.

[3. Configuration example of terminal device]
Next, the configuration of the terminal device 10 will be described with reference to FIG. FIG. 3 is a diagram showing a configuration example of the terminal device 10. As shown in FIG. 3, the terminal device 10 includes a communication unit 11, a display unit 12, an input unit 13, a positioning unit 14, a sensor unit 20, a control unit 30 (controller), and a storage unit 40. Be prepared.

(Communication unit 11)
The communication unit 11 is connected to the network N (see FIG. 2) by wire or wirelessly, and transmits / receives information to / from the information providing device 100 via the network N. For example, the communication unit 11 is realized by a NIC (Network Interface Card), an antenna, or the like.

(Display unit 12)
The display unit 12 is a display device that displays various information such as position information. For example, the display unit 12 is a liquid crystal display (LCD) or an organic EL display (Organic Electro-Luminescent Display). Further, the display unit 12 is a touch panel type display, but the display unit 12 is not limited thereto.

(Input unit 13)
The input unit 13 is an input device that receives various operations from the user U. The input unit 13 has, for example, a button for inputting characters, numbers, and the like. When the display unit 12 is a touch panel type display, a part of the display unit 12 functions as an input unit 13. The input unit 13 may be a microphone or the like that accepts voice input from the user U. The microphone may be wireless.

(Positioning unit 14)
The positioning unit 14 receives a signal (radio wave) transmitted from a GPS (Global Positioning System) satellite, and based on the received signal, position information (for example, latitude) indicating the current position of the terminal device 10 which is its own device. And longitude). That is, the positioning unit 14 positions the terminal device 10. GPS is only an example of GNSS (Global Navigation Satellite System).

In addition, the positioning unit 14 can position the position by various methods other than GPS. For example, the positioning unit 14 may position the position by using various communication functions of the terminal device 10 as an auxiliary positioning means for position correction or the like as described below.

(Wi-Fi positioning)
For example, the positioning unit 14 positions the position of the terminal device 10 by using the Wi-Fi (registered trademark) communication function of the terminal device 10 or the communication network provided by each communication company. Specifically, the positioning unit 14 determines the position of the terminal device 10 by performing Wi-Fi communication or the like and measuring the distance to a nearby base station or access point.

(Beacon positioning)
Further, the positioning unit 14 may position the position by using the Bluetooth (registered trademark) function of the terminal device 10. For example, the positioning unit 14 positions the terminal device 10 by connecting to a beacon transmitter connected by the Bluetooth function.

(Geomagnetic positioning)
Further, the positioning unit 14 positions the position of the terminal device 10 based on the geomagnetic pattern of the structure measured in advance and the geomagnetic sensor included in the terminal device 10.

(RFID positioning)
Further, for example, when the terminal device 10 has an RFID (Radio Frequency Identification) tag function equivalent to a contactless IC card used in a station ticket gate, a store, or the like, or has a function of reading an RFID tag. In this case, the used position is recorded together with the information that the payment or the like was made by the terminal device 10. The positioning unit 14 may position the position of the terminal device 10 by acquiring such information. Further, the position may be determined by an optical sensor included in the terminal device 10, an infrared sensor, or the like.

The positioning unit 14 may position the position of the terminal device 10 by using one or a combination of the above-mentioned positioning means, if necessary.

(Sensor unit 20)
The sensor unit 20 includes various sensors mounted on the terminal device 10. In the example shown in FIG. 3, the sensor unit 20 includes an acceleration sensor 21, a gyro sensor 22, a pressure sensor 23, a temperature sensor 24, a sound sensor 25, an optical sensor 26, a magnetic sensor 27, and an image sensor ( It is equipped with a camera) 28.

It should be noted that the above-mentioned sensors 21 to 28 are merely examples and are not limited thereto. That is, the sensor unit 20 may be configured to include a part of the sensors 21 to 28, or may include other sensors such as a humidity sensor in addition to or in place of the sensors 21 to 28. ..

The acceleration sensor 21 is, for example, a 3-axis acceleration sensor, and detects the moving direction, speed, acceleration, and other physical movements of the terminal device 10. The gyro sensor 22 detects the physical movement of the terminal device 10 such as the inclination in the triaxial direction based on the angular velocity of the terminal device 10 and the like. The barometric pressure sensor 23 detects, for example, the barometric pressure around the terminal device 10.

Since the terminal device 10 includes the above-mentioned acceleration sensor 21, gyro sensor 22, pressure sensor 23, etc., technologies such as pedestrian autonomous navigation (PDR: Pedestrian Dead-Reckoning) using each of these sensors 21 to 23, etc. It becomes possible to determine the position of the terminal device 10 by using. This makes it possible to acquire indoor position information, which is difficult to acquire with a positioning system such as GPS.

For example, a pedometer using an acceleration sensor 21 can calculate the number of steps, the walking speed, and the walking distance. Further, the gyro sensor 22 can be used to know the traveling direction of the user U, the direction of the line of sight, and the inclination of the body. Further, from the atmospheric pressure detected by the atmospheric pressure sensor 23, it is possible to know the altitude at which the terminal device 10 of the user U exists and the number of floors of the floor.

The air temperature sensor 24 detects, for example, the air temperature around the terminal device 10. The sound sensor 25 detects, for example, the sound around the terminal device 10. The optical sensor 26 detects the illuminance around the terminal device 10. The magnetic sensor 27 detects, for example, the geomagnetism around the terminal device 10. The image sensor 28 captures an image of the surroundings of the terminal device 10.

The barometric pressure sensor 23, the temperature sensor 24, the sound sensor 25, the optical sensor 26, and the image sensor 28, respectively, detect the barometric pressure, the temperature, the sound, and the illuminance, and capture an image of the surroundings, so that the terminal device 10 It is possible to detect the surrounding environment and situation of. Further, it is possible to improve the accuracy of the position information of the terminal device 10 from the surrounding environment and the situation of the terminal device 10.

(Control unit 30)
The control unit 30 includes, for example, a microcomputer having a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM, an input / output port, and various circuits. Further, the control unit 30 may be configured by hardware such as an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 30 includes a transmission unit 31, a reception unit 32, and a processing unit 33.

(Transmitting unit 31)
The transmission unit 31 is, for example, various information input by the user U using the input unit 13, various information detected by the sensors 21 to 28 mounted on the terminal device 10, and a terminal device positioned by the positioning unit 14. The position information and the like of 10 can be transmitted to the information providing device 100 via the communication unit 11.

(Receiver 32)
The receiving unit 32 can receive various information provided by the information providing device 100 and a request for sensor information from the information providing device 100 via the communication unit 11.

(Processing unit 33)
The processing unit 33 controls the entire terminal device 10 including the display unit 12 and the like. For example, the processing unit 33 can output various information transmitted by the transmitting unit 31 and various information received by the receiving unit 32 from the information providing device 100 to the display unit 12 for display.

(Memory unit 40)
The storage unit 40 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as an HDD (Hard Disk Drive), an SSD (Solid State Drive), or an optical disk. To. Various programs, various data, and the like are stored in the storage unit 40.

[4. Configuration example of information providing device]
Next, the configuration of the information providing device 100 according to the embodiment will be described with reference to FIG. FIG. 4 is a diagram showing a configuration example of the information providing device 100 according to the embodiment. As shown in FIG. 4, the information providing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

(Communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. Further, the communication unit 110 is connected to the network N (see FIG. 2) by wire or wirelessly.

(Memory unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 120 has a user information database 121, a sensor information database 122, and an insurance contract information database 123.

(User information database 121)
The user information database 121 stores various information about the user U. For example, the user information database 121 stores various information such as the attributes of the user U. FIG. 5 is a diagram showing an example of the user information database 121. In the example shown in FIG. 5, the user information database 121 has items such as "user ID (Identifier)", "age", "gender", "home", "work location", and "terminal ID".

The "user ID" indicates identification information for identifying the user U. Further, "age" indicates the age of the user U identified by the user ID. The "age" may be a specific age of the user U identified by the user ID, for example, 35 years old. Further, "gender" indicates the gender of the user U identified by the user ID.

Further, "home" indicates the location information of the home of the user U identified by the user ID. In the example shown in FIG. 5, "home" is illustrated with an abstract reference numeral such as "LC11", but may be latitude / longitude information or the like. Further, for example, "home" may be a region name or an address.

Further, the "work location" indicates the location information of the work location (school in the case of a student) of the user U identified by the user ID. In the example shown in FIG. 5, the “work location” is illustrated with an abstract code such as “LC12”, but may be latitude / longitude information or the like. Further, for example, the "work location" may be a region name or an address.

Further, the "terminal ID" indicates identification information for identifying the terminal device 10 (operating terminal device) currently used by the user U identified by the user ID. The number of "terminal IDs" may be plural. That is, one user U may use a plurality of terminal devices at the same time. Further, the "terminal ID" may include information indicating the type of the terminal device 10.

For example, in the example shown in FIG. 5, the age of the user U identified by the user ID "U1" is "20's", and the gender is "male". Further, for example, the user U identified by the user ID "U1" indicates that the home is "LC11". Further, for example, the user U identified by the user ID "U1" indicates that the work location is "LC12". Further, for example, it is shown that the user U identified by the user ID "U1" is using the terminal device 10 identified by the terminal ID "D1".

Here, in the example shown in FIG. 5, although illustrated using abstract values such as “U1”, “LC11”, “LC12” and “D1”, “U1”, “LC11”, “LC12” and “ It is assumed that information such as a specific character string or a numerical value is stored in "D1". Hereinafter, abstract values may be illustrated also in figures relating to other information.

The user information database 121 is not limited to the above, and various information may be stored depending on the purpose. For example, the user information database 121 may store various information about the terminal device 10 of the user U. Further, the user information database 121 relates to attributes such as demographic (demographic attribute), psychographic (psychological attribute), geographic (geographical attribute), and behavioral (behavioral attribute) of the user U. Information may be stored. For example, the user information database 121 includes name, family structure, occupation, position, income, qualification, living style (detached house, apartment, etc.), presence / absence of a car, commuting time, commuting route, commuter pass section (station). , Lines, etc.), Frequently used stations (other than the nearest station to your home / work location), Behavior history (Frequently used location information), Lessons (location, time zone, etc.), Hobbies, interests, lifestyle, etc. Information may be stored. Further, the user information database 121 may store information about a search query (search keyword) input by the user U to a search engine or the like.

(Sensor information database 122)
The sensor information database 122 stores various information related to the sensor output. For example, the sensor information database 122 stores the sensor information from the terminal device 10 of the user U, the user information, and the position information in association with each other. FIG. 6 is a diagram showing an example of the sensor information database 122. In the example shown in FIG. 6, the sensor information database 122 has items such as "user ID", "acquisition date and time", "sensor information", "location information", "context", "impact", and "lifestyle". ..

The "user ID" is user information acquired from the terminal device 10, and indicates identification information for identifying the user U who uses the terminal device 10. The "user ID" may be identification information for identifying the terminal device 10. That is, the "user ID" may be a "terminal ID".

The "acquisition date and time" indicates the date and time when the terminal device 10 acquired the sensor information, the user information, and the position information. When the information providing device 100 acquires the sensor information, the user information, and the position information from the terminal device 10 in real time, the information providing device 100 obtains the sensor information, the user information, and the position information from the terminal device 10. It may be the date and time of acquisition. Further, the "acquisition date and time" is not limited to the year, month, day, hour, minute, and second, and may include information regarding the day of the week, daytime / nighttime, and the like.

"Sensor information" indicates the output (detection result) of various sensors of the terminal device 10. The "sensor information" is, for example, environmental sound, atmospheric pressure, illuminance, and the like. The environmental sounds may be classified (categorized) and stored for each type of sound. For example, environmental sounds are classified and stored for each sound that adversely affects the body and mind of the user U, such as noise. In addition, the environmental sounds are classified and stored for each sound that has a positive effect on the body and mind of the user U.

The "position information" indicates the position information at the time when the terminal device 10 acquires the sensor information. The "position information" is, for example, position information measured by GPS, PDR, or the like.

The "context" indicates the environment or situation in which the user U is placed. "Context" means, for example, that user U is near a river or on a mountain, in a city or in a store, playing sports, playing games, driving a car, or sunshine. Indicates that you are in a room where your rights have been infringed.

“Effect” indicates the influence of the environment or situation around the user U based on the sensor information on the user U. For example, the stress level of the user U, the physical and mental health condition, and the like are shown. Further, the "influence" may indicate an analysis result of an adverse effect of the environment or situation around the user U on the body or mind of the user U or a positive effect on the body or mind of the user U.

“Lifestyle” indicates the lifestyle of the user U based on the sensor information. The “lifestyle” indicates, for example, a behavior pattern in the daily life of the user U and an analysis result thereof. For example, it indicates long commuting time, many opportunities to interact with others, moderate exercise, eating out a lot, excessive drinking / smoking, and activities on holidays / night.

For example, in the example shown in FIG. 6, the terminal device 10 of the user U identified by the user ID "U1" has the sensor information "sensor information # 11" and the position information "position information" at the acquisition date and time "acquisition date and time # 11". It indicates that "# 11" is acquired. Further, the user U identified by the user ID "U1" is influenced by the surrounding environment and situation indicated by the context "context # 11", and is influenced by the lifestyle "lifestyle # 11". Show that you are habitually acting.

The sensor information database 122 is not limited to the above, and various information may be stored depending on the purpose. For example, the sensor information database 122 may store information regarding an expiration date for storing sensor information. Further, the sensor information database 122 may store information regarding the analysis result (environmental evaluation result) of the sensor information. Further, the sensor information database 122 may store information regarding comments regarding a situation or the like at the time of acquisition of sensor information input by the user U of the terminal device 10. The comment may be text or voice.

(Insurance contract information database 123)
The insurance contract information database 123 stores various information regarding the insurance contract that the user U subscribes to. FIG. 7 is a diagram showing an example of the insurance contract information database 123. In the example shown in FIG. 7, the insurance contract information database 123 has items such as "user ID", "insurance contract ID", "contract content", and "insurance premium rate".

The "user ID" indicates identification information for identifying the user U who is the policyholder or the insured.

The “insurance contract ID” indicates identification information for identifying the insurance covered by the user U. The "insurance contract ID" may include information indicating the type of insurance company or insurance product that the user U has subscribed to. The number of "insurance contract IDs" may be plural. That is, one user U may have a plurality of insurances.

The “contract content” indicates the content and detailed information of the insurance covered by the user U. The “contract content” indicates, for example, the insurance payment conditions, the insurance coverage date of the user U, the number of years of coverage, and the like.

The "insurance premium rate" indicates the interest rate of the insurance premium of the insurance subscribed to by the user U. The "insurance premium rate" may be information indicating the insurance premium amount.

For example, in the example shown in FIG. 7, the user identified by the user ID "U1" is insured by the insurance identified by the insurance contract ID "insurance contract # 1", and the contract content "contract content # 1" is used. It indicates that the insurance premium is paid at the insurance premium rate "insurance premium rate # 11" according to the contents of the contract shown.

The insurance contract information database 123 is not limited to the above, and various information may be stored depending on the purpose. For example, the insurance contract information database 123 may store information on word-of-mouth and reputation related to insurance contracts, evaluation results based on predetermined evaluation indexes, and the like.

(Control unit 130)
Returning to FIG. 4, the explanation will be continued. The control unit 130 is a controller, and is an information providing device 100 by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like. It is realized by executing various programs (corresponding to an example of an information processing program) stored in the internal storage device of the CPU with a storage area such as a RAM as a work area. In the example shown in FIG. 4, the control unit 130 has an acquisition unit 131, an integration unit 132, an estimation unit 133, an assessment unit 134, a change unit 135, and an output unit 136.

(Acquisition unit 131)
The acquisition unit 131 acquires sensor information (sensor data), user information, and position information from each of the terminal devices 10 of the plurality of users U located in various places via the communication unit 110.

(Aggregation unit 132)
The collecting unit 132 collects the sensor information received from the terminal device 10, the user information, and the position information in a database in association with each other. The integrated unit 132 may be a part of the acquisition unit 131.

Further, when the sensor information received from the terminal device 10 contains sound, the integration unit 132 extracts only the environmental sound from the sound. For example, the integration unit 132 may filter the sounds included in the sensor information to extract only the environmental sounds. At this time, the integrated unit 132 may classify (categorize) the environmental sounds according to the type of sound. For example, the integration unit 132 classifies environmental sounds into sounds that adversely affect the body and mind of the user U, such as noise. Further, the collecting unit 132 classifies the environmental sounds into sounds that have a positive effect on the body and mind of the user U. That is, the accumulation unit 132 also functions as an environmental sound extraction unit and a classification unit.

The integrated unit 132 may extract environmental sounds from the sounds included in the sensor information received from the terminal device 10 by using a model based on machine learning. In this case, the integration unit 132 may train the model as correct answer data, for example, a set of a sound included in the sensor information received from the terminal device 10 and an environmental sound classified (categorized) for each type of sound. Then, the integration unit 132 extracts the environmental sounds classified by the sound type by inputting the sounds included in the sensor information to the trained model. That is, the integration unit 132 may use the environmental sound output by the model when the sound included in the sensor information is input as the extraction result.

Any type of model can be adopted as the model. For example, the integration unit 132 may adopt an SVM (Support Vector Machine) or a DNN (Deep Neural Network) as a model. Here, the DNN may be a CNN (Convolutional Neural Network) or an RNN (Recurrent Neural Network). Further, the RNN may be an LSTM (Long short-term memory) or the like. That is, any type of model can be adopted as the model. Further, the model may be a model realized by combining a plurality of models, for example, a model in which a CNN and an RNN are combined.

The learning is, for example, deep learning (deep learning) using a deep neural network (DNN). Data mining and other machine learning algorithms may also be used. The integration unit 132 learns the model by the various learning methods described above.

(Estimation unit 133)
Based on the sensor information from the terminal device 10 of the user U, the estimation unit 133 estimates the influence of the context regarding the surrounding environment and the situation in the daily life of the user U on the user U, the lifestyle of the user U, and the like. .. For example, the estimation unit 133 analyzes the environmental sound and estimates the stress level of the user U, the mental and physical health condition, the lifestyle, and the like based on the environmental sound.

The estimation unit 133 may estimate the attributes of the user U using a model based on machine learning. In this case, the estimation unit 133 inputs, for example, the sensor information received from the terminal device 10 into the model, and learns the influence on the user U, the lifestyle, and the like as correct answer data.

Further, the estimation unit 133 may estimate the sensor information based on the position information when the appropriate sensor information cannot be acquired from the terminal device 10. For example, the estimation unit 133 uses the sensor information acquired in the past at the position based on the position information and the sensor information acquired from the terminal device 10 of another user existing at the same or close position to the position. Estimate the sensor information expected to be obtained in. Alternatively, the estimation unit 133 may estimate the sensor information using a model based on machine learning. In this case, the estimation unit 133 inputs the position information into the model, and learns the sensor information expected to be obtained at that position as correct answer data.

On the contrary, when the estimation unit 133 cannot acquire appropriate position information from the terminal device 10, the estimation unit 133 may estimate the position information based on the sensor information. For example, the estimation unit 133 estimates the position information by machine learning or the like using the sensor information as an input and the position information associated with the sensor information as correct answer data.

Further, the estimation unit 133 may estimate whether the user U is indoors or outdoors based on the environmental sound, the atmospheric pressure, the illuminance, and the like.

(Assessment Department 134)
The assessment unit 134 assesses the insurance premium rate (or insurance premium amount) of the user U based on the result estimated by the estimation unit 133.

The assessment unit 134 may assess the insurance premium rate (or insurance premium amount) of the user U using a model based on machine learning. In this case, the assessment unit 134 inputs, for example, the sensor information received from the terminal device 10 into the model, and learns using the insurance premium rate (or insurance premium amount) of the user U as correct answer data.

(Change 135)
The change unit 135 changes the insurance premium rate (or insurance premium amount) of the user U already determined by the existing insurance premium rate calculation method based on the result of the assessment by the assessment unit 134. For example, if the change unit 135 determines that it is necessary to change the insurance premium rate (or insurance premium amount) of user U as a result of the assessment by the assessment unit 134, the insurance premium rate (or insurance premium amount) of user U is changed. do. At this time, the change unit 135 determines the insurance premium rate (or insurance premium amount) of the user U based on the result of the assessment by the assessment unit 134.

(Output unit 136)
The output unit 136 transmits information regarding the change of the insurance premium rate (or insurance premium amount) of the user U to the insurance company or the terminal device 10 of the user U via the communication unit 110. The output unit 136 may be a part of the change unit 135.

[5. Processing procedure]
Next, the processing procedure by the information providing apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 8 is a flowchart showing a processing procedure according to the embodiment. The processing procedure shown below is repeatedly executed by the control unit 130 of the information providing device 100.

As shown in FIG. 8, the information providing device 100 acquires sensor information (sensor data), user information, and position information from each of the terminal devices 10 of the plurality of users U located in various places (step S101).

The information providing device 100 stores the sensor information, the user information, and the position information in the database in association with each other (step S102). For example, the information providing device 100 extracts environmental sounds from sounds included in sensor information, classifies (categorizes) the extracted environmental sounds by sound type, and users classify the classified environmental sounds by sound type. It is stored in association with information and location information.

At this time, the information providing device 100 determines whether or not appropriate sensor information can be acquired from the terminal device 10 of the user U (step S103).

If the information providing device 100 cannot acquire appropriate sensor information from the terminal device 10 of the user U (step S103; No), the information providing device 100 estimates the sensor information based on the position information (step S104).

When the information providing device 100 can acquire appropriate sensor information from the terminal device 10 of the user U (step S103; Yes), or when the sensor information is estimated (step S104), the information providing device 100 is based on the sensor information. , The context regarding the surrounding environment and the situation in the daily life of the user U is estimated, and the stress degree of the user U, the lifestyle of the user U, and the like are estimated (step S105).

Then, the information providing device 100 assesses the insurance premium rate (or insurance premium amount) of the user U based on the estimated result (step S106).

As a result of the assessment, the information providing device 100 determines whether or not it is necessary to change the insurance premium rate (or insurance premium amount) of the user U (step S107).

When the information providing device 100 determines that it is necessary to change the insurance premium rate (or insurance premium amount) of the user U, the information providing device 100 changes the insurance premium rate (or insurance premium amount) of the user U (step S108).

The information providing device 100 notifies the insurance company or the terminal device 10 of the user U of the change of the insurance premium rate (or the insurance premium amount) of the user U (step S109).

[6. Modification example]
The terminal device 10 and the information providing device 100 described above may be implemented in various different forms other than the above-described embodiment. Therefore, a modified example of the embodiment will be described below.

In the above embodiment, the terminal device 10 may be stored in a pocket or bag (bag, backpack, pouch) of the user U's clothes. Therefore, the terminal device 10 may transmit the sensor information to the information providing device 100 only when it is used (operation, video viewing, etc.) by the user U. For example, the information providing device 100 acquires sensor information when the terminal device 10 is activating some application program (application) or the like, and does not acquire sensor information when no application or the like is activated. To. Alternatively, the information providing device 100 acquires the sensor information when the terminal device 10 is in the non-sleep state, and does not acquire the sensor information when the terminal device 10 is in the sleep state. In addition, "do not acquire sensor information" includes "do not store even if sensor information is acquired".

Further, the information providing device 100 acquires the operation history of the terminal device 10 together with the sensor information, and when the terminal device 10 has not been used by the user U for a predetermined time or more (for example, 5 minutes or more), the terminal device 10 It is presumed that the user U is stored in the pocket or bag of the user U's clothes, and the sensor information from the terminal device 10 may not be acquired.

Further, the information providing device 100 presumes that the terminal device 10 is stored in the pocket or bag of the user U's clothes based on the sensor information (environmental sound, pressure, illuminance, etc.) or its change. In that case, the sensor information from the terminal device 10 may not be acquired.

Further, in the above embodiment, the information providing device 100 extracts an environmental sound from the sound included in the sensor information, and when the environmental sound satisfies a predetermined condition, the insurance premium rate (or insurance premium amount) of the user U is used. May be changed. For example, the information providing device 100 changes the insurance premium rate (or insurance premium amount) of the user U when the volume of the environmental sound is equal to or higher than a predetermined threshold value. Alternatively, the information providing device 100 changes the insurance premium rate (or insurance premium amount) of the user U when the type of the environmental sound is a predetermined type.

The information providing device 100 may be implemented as a function in the terminal device 10 of the user U. For example, the information providing device 100 may be one of the terminal devices 10 of the user U.

[7. effect〕
As described above, the information providing device 100 according to the present application includes an acquisition unit 131 and an assessment unit 134. The acquisition unit 131 acquires the sensor information acquired by the terminal device of the user having the sensor at the same time and the identification information of the user. The assessment unit 134 assesses the user's insurance premium rate based on the sensor information. As described above, the information providing device 100 according to the present application can collect environmental information by utilizing HaaS (Hardware as a Service), and the collected environmental information can be utilized in the insurance field.

[8. Hardware configuration]
Further, the terminal device 10 and the information providing device 100 according to the above-described embodiment are realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the information providing device 100 will be described as an example. FIG. 9 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to the output device 1010 and the input device 1020, and the arithmetic unit 1030, the primary storage device 1040, the secondary storage device 1050, the output I / F (Interface) 1060, the input I / F 1070, and the network I / F 1080 are bused. It has a form connected by 1090.

The arithmetic unit 1030 operates based on a program stored in the primary storage device 1040 or the secondary storage device 1050, a program read from the input device 1020, or the like, and executes various processes. The arithmetic unit 1030 is realized by, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like.

The primary storage device 1040 is a memory device such as a RAM (Random Access Memory) that temporarily stores data used by the arithmetic unit 1030 for various calculations. Further, the secondary storage device 1050 is a storage device in which data used by the calculation device 1030 for various calculations and various databases are registered, and is a ROM (Read Only Memory), an HDD (Hard Disk Drive), and an SSD (Solid). State Drive), flash memory, etc. The secondary storage device 1050 may be an internal storage or an external storage. Further, the secondary storage device 1050 may be a removable storage medium such as a USB memory or an SD (Secure Digital) memory card. Further, the secondary storage device 1050 may be a cloud storage (online storage), NAS (Network Attached Storage), a file server, or the like.

The output I / F 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various information such as a display, a projector, and a printer. For example, USB (Universal Serial Bus) or DVI. (Digital Visual Interface), HDMI (Registered Trademark) (High Definition Multimedia Interface), etc. are realized by standard connectors. Further, the input I / F 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, a keypad, a button, a scanner, and the like, and is realized by, for example, USB.

Further, the output I / F 1060 and the input I / F 1070 may be wirelessly connected to the output device 1010 and the input device 1020, respectively. That is, the output device 1010 and the input device 1020 may be wireless devices.

Further, the output device 1010 and the input device 1020 may be integrated like a touch panel. In this case, the output I / F 1060 and the input I / F 1070 may also be integrated as input / output I / F.

The input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like.

The network I / F 1080 receives data from another device via the network N and sends it to the arithmetic unit 1030, and also transmits the data generated by the arithmetic unit 1030 to the other device via the network N.

The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output I / F 1060 and the input I / F 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040, and executes the loaded program.

For example, when the computer 1000 functions as the information providing device 100, the arithmetic unit 1030 of the computer 1000 realizes the function of the control unit 130 by executing the program loaded on the primary storage device 1040. Further, the arithmetic unit 1030 of the computer 1000 may load a program acquired from another device via the network I / F 1080 onto the primary storage device 1040 and execute the loaded program. Further, the arithmetic unit 1030 of the computer 1000 may cooperate with other devices via the network I / F 1080 to call the functions and data of the program from other programs of the other devices and use them.

[9. others〕
Although the embodiments of the present application have been described above, the present invention is not limited to the contents of these embodiments. Further, the above-mentioned components include those that can be easily assumed by those skilled in the art, those that are substantially the same, that is, those in a so-called equal range. Furthermore, the components described above can be combined as appropriate. Further, various omissions, replacements or changes of the components can be made without departing from the gist of the above-described embodiment.

Further, among the processes described in the above-described embodiment, all or a part of the processes described as being automatically performed can be manually performed, or the processes described as being manually performed can be performed. All or part of it can be done automatically by a known method. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown in the figure.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / physically in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

For example, the above-mentioned information providing device 100 may be realized by a plurality of server computers, or may be realized by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function. Can be changed flexibly.

Further, the above-described embodiments and modifications can be appropriately combined as long as the processing contents do not conflict with each other.

Further, the above-mentioned "section, module, unit" can be read as "means", "circuit" and the like. For example, the acquisition unit can be read as an acquisition means or an acquisition circuit.

1 Information processing system 10 Terminal equipment 14 Positioning unit 20 Sensor unit 100 Information provision device 110 Communication unit 120 Storage unit 121 User information database 122 Sensor information database 123 Insurance contract information database 130 Control unit 131 Acquisition unit 132 Integration unit 133 Estimate unit 134 Assessment Part 135 Change part 136 Output part

Claims (15)

An acquisition unit that acquires sensor information acquired by the terminal device of a user having a sensor at the same time and identification information of the user, and an acquisition unit.
An assessment unit that assesses the insurance premium rate of the user based on the sensor information,
An information processing device characterized by being equipped with. A change department that changes the insurance premium rate of the user based on the result of the assessment by the assessment department,
The information processing apparatus according to claim 1, further comprising. The information according to claim 2, wherein the changing unit changes the insurance premium rate of the user when it is determined that the insurance premium rate of the user needs to be changed as a result of the assessment by the assessment unit. Processing equipment. A notification unit that notifies at least one of the insurance company and the terminal device of the user of the change in the insurance premium rate of the user by the change unit.
The information processing apparatus according to claim 2 or 3, further comprising. An estimation unit that estimates the context of the user's environment and situation based on the sensor information, and an estimation unit.
Further prepare
The information processing apparatus according to any one of claims 2 to 4, wherein the assessment unit assesses the insurance premium rate of the user based on the result estimated by the estimation unit. The information processing apparatus according to claim 5, wherein the estimation unit estimates the influence of the environment and situation of the user on the user based on the sensor information. An extraction unit that extracts environmental sounds from the sounds included in the sensor information,
Further prepare
The information processing apparatus according to claim 5, wherein the estimation unit estimates the influence of the environmental sound on the user. A classification unit that classifies environmental sounds by sound type,
The information processing apparatus according to claim 7, further comprising. The information processing apparatus according to claim 8, wherein the classification unit classifies the environmental sounds into sounds that adversely affect the body and mind of the user. The information processing apparatus according to claim 8 or 9, wherein the classification unit classifies the environmental sounds into sounds that have a positive effect on the body and mind of the user. The information processing device according to any one of claims 8 to 10, wherein the changing unit changes the insurance premium rate of the user when the environmental sound satisfies a predetermined condition. The information processing device according to any one of claims 5 to 10, wherein the estimation unit estimates the lifestyle of the user based on the sensor information. The acquisition unit further acquires position information from the terminal device, and the acquisition unit further acquires position information.
The information processing apparatus according to any one of claims 5 to 9, wherein the estimation unit estimates the sensor information based on the position information when the sensor information cannot be acquired. It is an information processing method executed by an information processing device.
The acquisition process of acquiring the sensor information acquired by the terminal device of the user having the sensor and the identification information of the user at the same time, and the acquisition process.
An assessment process that assesses the insurance premium rate of the user based on the sensor information,
An information processing method characterized by including. The acquisition procedure for acquiring the sensor information acquired by the terminal device of the user having the sensor and the identification information of the user at the same time, and the acquisition procedure.
An assessment procedure for assessing the insurance premium rate of the user based on the sensor information, and
Information processing program to make a computer execute.

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