JP2009199177A - Insurance premium determination support device and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance premium determination support device and a computer program capable of giving preferential treatment to the payment of an insurance premium by a good driver who takes an adequate rest and tries to drive safely daily. <P>SOLUTION: A travelling route from the position of a moving vehicle to a travelling destination is searched, and a plurality of opportunities of breaks on the searched travelling route are determined. Stopped states of the moving vehicle that have occurred while the vehicle is travelling to the travelling destination are sequentially detected. The number of times of the detection is counted (S109), and the ratio of the number of times of the detection to the number of occurrences of the determined opportunities of breaks is calculated (S111). For example, if the calculated ratio is a predetermined value or above (YES in S112), the grade for determining a discount or an increase of insurance premiums of the moving vehicle insurance to be paid by a driver is updated to a higher grade in which more discount is granted, and a notification of the updating is given (S115). <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an insurance premium determination support apparatus and a computer program for determining a grade that is an evaluation of discount or premium to mobile insurance premiums to be paid by a driver according to driving of a mobile driver.

  Conventionally, drivers of motorcycles, automobiles, and the like join automobile insurance and compensate for the financial burden to be compensated for victims of accidents that occurred during driving by "insurance". In addition to compulsory insurance with a low upper limit of compensation, the driver joins voluntary insurance that can secure sufficient compensation.

  The premium paid by the voluntary insurance is set according to the driver's age, driving skill, etc., unlike the compulsory insurance where the premium is uniform. For example, the premiums to be paid are increased as the driver is younger.

  In addition, voluntary insurance employs a grade-based rate system in order to give preferential treatment to drivers with a low accident rate, and the insurance rate varies depending on the grade. The insurance rate is classified into, for example, 1 to 20 grades, and a discount rate corresponding to each grade is set. The insurance premium rate is set to 6 grades at the time of initial contract, and if there is no accident for one year, which is the insurance period of voluntary insurance, the grade will be promoted by 1 to 7 grades, and the discount to premiums to be paid will increase. . On the other hand, if an accident occurs during the insurance period, the insurance premiums to be paid with three grades will be increased.

  Insurers are striving to minimize the payment of insurance claims to victims by applying a graded rate system to increase the number of drivers with a low accident rate, reduce the accident rate of society as a whole. However, the conventional rate-based rate system leads to an increase in the number of paper drivers who want to reduce the accident rate in preparation for driving, and on the contrary, increases the number of drivers with low driving skills and increases the accident rate of the whole society. Yes.

Therefore, an information processing apparatus and an information processing system for grasping the driving skill of the driver and discounting the insurance premium of the driver having an excellent driving technique have been proposed (for example, Patent Document 1). As a result, the increase in paper drivers could be suppressed.
Japanese National Patent Publication No. 11-511581

  However, long-distance truck drivers or taxi drivers have excellent driving skills, but do long-distance driving without breaks and make them sleepy and collide with a stopped vehicle from behind. There are frequent crushing accidents. In the information processing apparatus described in Patent Document 1, even such a driver will be preferentially treated. For example, when driving long distances, take an appropriate break and perform safe driving on a daily basis. There is a problem that it is not possible to concentrate preferential drivers that are kept in mind and to reduce the accident rate of society as a whole.

  Such a problem applies not only to automobile insurance but also to insurance related to mobile objects such as ships or aircraft.

  The present invention has been made in view of such circumstances, and searches for a travel route from the position of a moving body to a travel destination, determines a plurality of break opportunities on the travel route searched, and travels to the travel destination. The mobile unit's insurance premiums to be paid or paid by the driver in accordance with the ratio of the number of detections to the number of occurrences of break opportunities, The premium grade is updated to a higher discount grade, so that a reasonable break is taken, and premium drivers paying premiums for safe driving on a daily basis are given preferential treatment. It is an object to provide an insurance premium decision support process and a computer program that can be used.

  The insurance premium determination support device according to the present invention is an insurance premium determination support that determines a grade that is an evaluation of a discount or premium for mobile insurance premiums to be paid by the driver according to the driving of the mobile driver. In the apparatus, grade storage means for storing a grade for the driver, a database for storing a resting opportunity for the driver to take a break in association with the travel route, a position detection means for detecting the position of the moving body, and a travel purpose Destination receiving means for receiving an input of the ground; route searching means for searching for a travel route from the position of the moving body detected by the position detection means to a travel destination; and a resting opportunity on the searched travel route. Based on the database, a plurality of break opportunity determination means, a stop state detection means for sequentially detecting a stop state of a moving body generated while traveling to a travel destination, and the stop state detection means detect it. A discount to the insurance premium for mobile insurance according to the stop state counting means for counting the number of detections of the stop state, and the grade stored in the grade storage means according to the ratio of the number of detection times to the determined number of occurrences of breaks It is necessary to provide a grade update means for updating the evaluation of the above and an output means for outputting information related to the update by the grade update means.

  The insurance premium determination support device according to the present invention includes an update condition storage means for storing an update condition for updating a rating stored in the grade storage means for discounting the insurance premium for mobile insurance, A good driving storage means for storing the number of good driving times indicating that the driver's driving is good, and a ratio for sequentially judging whether or not the ratio is equal to or more than a predetermined value each time the driving destination is traveled. When it is determined that the ratio is equal to or greater than a predetermined value, the number of excellent driving operations per unit time stored in the excellent driving counting unit and the excellent driving storage unit is incremented. Update determination means for determining whether or not the update condition is satisfied, and when the grade update means determines that the number of good driving operations per predetermined unit period satisfies the update condition, the grade storage means In the requirement that the assessment of the discount of the grade which is stored to the insurance premiums of mobile insurance are to be updated to a higher grade.

  In addition, the insurance premium determination support apparatus according to the present invention requires that the predetermined unit period is an insurance period of mobile insurance.

  Further, the insurance premium determination support device according to the present invention further comprises a frequency estimation means for estimating the number of times required for the current number of good driving stored in the good driving storage means to satisfy the update condition, and the output The means is required to output the number of times estimated by the number of times estimation means as information relating to the update.

  The insurance premium determination support apparatus according to the present invention further includes activation detection means for detecting an activation state of the motor of the moving body, and the output means detects the activation state of the motor of the moving body by the activation detection means. It is a requirement that information about the update be output when

  Further, the computer program according to the present invention is a computer program that causes a computer to determine a grade that is an evaluation of a discount or premium for mobile insurance premiums to be paid by the driver according to the driving of the mobile driver. , Storing the grade for the driver, detecting the position of the moving body, receiving the input of the traveling destination, and searching for a traveling route from the detected position of the moving body to the traveling destination. A step, a step of determining a plurality of resting opportunities on the searched travel route, a step of sequentially detecting a stop state of the moving body generated while traveling to the travel destination, and a step of counting the detected number of detections Update the rating of mobile insurance premium discounts according to the ratio of the number of detections to the number of occurrences of break opportunities determined It is required for the to execute the steps in the computer to.

  In the present invention, the driver searches for a travel route from the position of the moving body to the travel destination, and determines a plurality of rest opportunities on the searched travel route based on the database. Determine the best time to take a break. Further, the number of times that the driver has taken a rest is obtained by sequentially detecting the stop state of the moving body generated while traveling to the travel destination and detecting the number of detections. In addition, by calculating the ratio of the number of times of detection to the number of occurrences of the determined number of breaks, the degree to which the driver has taken a sufficient break in driving to the driving destination and is trying to drive safely is acquired. In addition, by updating the driver's grade to a grade that gives a higher evaluation of discounts on mobile insurance premiums according to the calculated ratio, it is possible to concentrate and give priority to drivers who are trying to drive safely. To process. In addition, by outputting information related to the update, the driver can confirm whether he / she is trying to drive safely.

  In the present invention, it is possible to preferentially pay insurance premiums of good drivers who take moderate breaks and keep safe driving on a daily basis, and increase the number of good drivers to reduce the accident rate of the whole society Can contribute.

  Hereinafter, an information processing apparatus and a computer program serving as an insurance premium determination support apparatus according to the present invention will be described with reference to the drawings illustrating embodiments. FIG. 1 is a diagram for explaining a configuration block of an information processing apparatus and peripheral devices, and FIG. 2 is a block diagram for explaining functions of a CPU. Hereinafter, automobile insurance will be described as an example, but the present invention is not limited to automobile insurance, and assumes insurance relating to a moving object such as a ship or an aircraft.

  In the figure, reference numeral 1 denotes an information processing apparatus serving as an insurance premium determination support apparatus according to the present invention. The information processing apparatus 1 is mounted on a vehicle that is subject to automobile insurance, grasps the driving of the driver A, and determines a grade that is used to evaluate a discount or premium for the insurance premium that the driver A should pay. Execute.

  The information processing apparatus 1 stores a communication unit 11 for communicating with the outside, a driver ID reading unit 12 for reading and writing data in the license card C, a RAM 13 for temporarily storing data, a program and various data. The auxiliary storage unit 14 that performs the operation, the travel route guide unit 15 that guides the travel route of the vehicle on which the information processing apparatus 1 is mounted (hereinafter referred to as “mounted vehicle”), and the stop detection unit that detects the stop state of the mounted vehicle. 16, a motor control unit 17 that controls the motor 50 of the mounted vehicle, an information output unit 19 that outputs various information, and a program stored in the auxiliary storage unit 14 to control these hardware and perform processing. The CPU 10 includes a CPU 10 that executes the various processes. Each hardware is connected to each other via a bus 20.

  The communication unit 11 is connected to a communication network such as the Internet and transmits / receives grade updates and other information to / from an insurance company server as an external device.

  The driver ID reading unit 12 includes an insertion slot (not shown; the same applies hereinafter) for inserting the license card C. The license card C is possessed for each driver and incorporates a semiconductor memory. The semiconductor memory includes a driver ID for identifying the driver A, a grade of the car insurance contracted by the driver A, the number of excellent driving of the driver A, the total number of driving of the driver A, and a car insurance contracted by the driver A. The insurance period and other data are stored.

  Further, when the license card C is inserted, the driver ID reading unit 12 reads out various data in the license card C and outputs it to the RAM 13 or outputs various data stored in the RAM 13 according to the control of the CPU 10. Write in license card C. The driver A reads out the grade data written in the license card C with a personal computer or a dedicated reader, and transmits the read grade data to the insurance company server. The insurance company server determines the insurance premium to be paid by the driver A according to the received grade data, and notifies the driver A of it. Driver A pays the determined insurance premium to the insurance company.

  The RAM 13 is, for example, a semiconductor storage device that stores a plurality of information and can read and write regardless of the storage order, storage position, etc., and the automobile insurance grade data received from the driver ID reading unit 12 under the control of the CPU 10. D4, excellent driving frequency data D5, driver ID for identifying driver A, total driving number of driver A, various data to temporarily store or temporarily store the insurance period of car insurance contracted by driver A Is output to the driver ID reading unit 12.

  The auxiliary storage unit 14 corresponds to, for example, a magnetic storage type hard disk and the like, a computer program that gives the CPU 10 a function as an insurance fee determination support device according to the present invention, a travel route database D1 that stores information on a travel route, a travel A break opportunity database D2 for storing a break opportunity in association with information on the route, and a grade update condition database D3 for storing an update condition for updating the grade are stored. In each figure, “database” is abbreviated as “DB”. An example of storing each database will be described later.

  The travel route guide unit 15 includes a vehicle position detection unit 150 that detects the current position of the mounting destination vehicle, a destination reception unit 151 that receives an input of a travel destination to which the mounting destination vehicle should go, and a current position according to the control of the CPU 10. And it functions as route search means 152 for searching for a travel route on which the mounted vehicle should travel based on the travel destination.

  The vehicle position detection means 150 is connected to a GPS (Global Positioning System) 30 that analyzes positioning data of an artificial satellite, a vehicle speed pulse sensor 31 that performs autonomous position estimation, and a gyroscope 32, and receives an analysis result from the GPS 30 or a vehicle speed. The estimation result is received from the pulse sensor 31 and the gyroscope 32, and the current position of the mounting destination vehicle is detected.

  The stop detection unit 16 is a side brake operation sensor 40 that detects that the side brake switch of the mounted vehicle is on, or a shift lever position that detects that the position of the shift lever of the mounted vehicle is in the parking range. It connects with the detection sensor 41, receives a detection result from the side brake operation sensor 40, or receives a detection result from the shift lever position detection sensor 41, and detects the stop state of a mounting destination vehicle.

  The prime mover control unit 17 is directly connected to the control system of the prime mover 50 of the mounting destination vehicle, monitors whether the prime mover 50 is in a start state or a stop state, and outputs a monitoring result to the stop detection unit 16. The stop detection unit 16 detects the stop state of the mounting destination vehicle based on the stop state data received from the prime mover control unit 17. The prime mover 50 used in the present invention corresponds to an internal combustion engine such as a gasoline engine and a diesel engine, an electric motor, or a hybrid engine combining these.

  The operation unit 18 includes an operation panel for receiving an instruction from the driver A. The operation panel is installed on the dashboard of the mounting destination vehicle and is devised so that the driver A can easily perform an input operation. The operation unit 18 outputs the received instruction to the CPU 10.

  The information output unit 19 includes, for example, a liquid crystal display and a speaker, and outputs a result of processing executed by the information processing device 1 as video and sound, or a result of processing executed by the information processing device 1 including a printer. Is printed on a paper medium.

  The CPU 10 functions as a control unit for each hardware described above and functions as a unit described below according to a program stored in the auxiliary storage unit 14.

  The CPU 10 functions as an insured person authentication unit 100 that determines whether or not the driver A indicated by the driver ID stored in the RAM 13 is an insured person for car insurance. A sample ID for authenticating the insured is stored in advance in the auxiliary storage unit 14.

  Further, when the insured person authentication means 100 authenticates the insured person, the CPU 10 determines a plurality of break opportunities for the driver A to take a break based on data stored in the travel route database D1 and the break opportunity database D2. It functions as the determination means 101. For example, the CPU 10 determines the number of breaks so as to break 14 times before reaching the travel destination, or determines the break interval so as to rest every 30 minutes until the travel destination.

  Further, the CPU 10 functions as a stop counting unit 102 that counts the number of times that the driver A has stopped the mounted vehicle based on the stop state data of the prime mover 50. The CPU 10 counts the number of times that the stop state of the prime mover 50 is detected as the number of stops.

  Further, the CPU 10 functions as a grade updating unit 103 that determines whether or not the grade data D4 is to be updated based on the number of stops counted by the stop counting unit 102 and data stored in the grade update condition database D3.

  Further, the CPU 10 determines whether the ratio of the number of stops counted by the stop counting unit 102 to the number of occurrences of the break opportunity determined by the break opportunity determination unit 101, that is, whether the number of stops / the number of occurrences of the break opportunity is equal to or greater than a predetermined value. It functions as the ratio determining means 104 for determining. The predetermined value is set in advance by the insurance company, and the data is stored in the auxiliary storage unit 14.

  Further, the CPU 10 functions as an excellent driving counting unit 105 that increments the number of excellent drivings when the ratio determining unit 104 determines that the ratio of the number of stops to the number of occurrences of breaks is equal to or greater than a predetermined value.

  Further, the CPU 10 functions as an update determination unit 106 that determines whether or not the number of good operations per predetermined unit period satisfies the update condition based on the result of the good operation counting unit 105 and the data stored in the grade update condition database D3. To do. The predetermined unit period is a period arbitrarily set by an insurance company, and corresponds to, for example, one year which is an insurance period of car insurance (optional insurance).

  On the other hand, when the update determination unit 106 determines that the number of good driving operations per predetermined unit period does not satisfy the update condition, the CPU 10 determines the current number of times based on the data stored in the good driving number data D5 and the class update condition database D3. The number of good driving times functions as the number estimating means 107 for estimating the number of good driving times necessary for satisfying the update determination.

  Further, the CPU 10 includes a time measuring unit and determines whether or not a predetermined unit period is reached.

  Thus, the CPU 10 functions as various means by referring to each database stored in the auxiliary storage unit 14. Therefore, a storage example of each database stored in the auxiliary storage unit 14 will be described. FIG. 3 is a schematic diagram showing a storage example of the travel route database D1.

  The travel route database D1 stores a plurality of travel route tables T1 created in advance for each travel route searched by the travel route guide unit 15. The travel route table T1 stores a travel distance, a required time to the travel destination, a structure of the road on which the vehicle travels, a traffic situation of the road on which the vehicle travels, a break candidate on the travel route, and the like. The data in the travel route table T1 is updated to the latest data appropriately acquired from the outside (for example, a map information providing server) via the communication unit 11.

  The travel distance indicates the distance from the current position of the mounted vehicle to the travel destination. The number of break opportunities increases as the distance increases.

  The required time is the time required to reach the travel destination when the mounted vehicle travels at a predetermined speed without taking a break. The number of break opportunities increases as the required time increases.

  The road structure is classified as an expressway or a general road, and indicates the number of intersections and lane widths of these roads. For example, in order to facilitate high-speed driving, expressways are designed to have a structure with relaxed curvature and slope (up / down), and are designed as independent roads with no traffic lights or intersections. Reduce the number of opportunities. On the other hand, general roads increase the number of break opportunities as the number of intersections increases, and increase the number of break opportunities as the road width decreases.

  The traffic situation increases the number of break opportunities by increasing the burden on the driver in the order of progress, congestion, traffic jam and accidents.

  The break candidate is a break facility such as a service area or a parking area existing on the travel route.

  FIG. 4 is a schematic diagram showing a storage example of the break opportunity database D2. The break opportunity database D2 is referred to when the break opportunity determination means 101 determines a break opportunity, and stores a plurality of break opportunity tables T2. In the break opportunity table T2, a table for storing the number of breaks and break intervals corresponding to the travel distance in the travel route table T1, a table for storing the number of breaks and break intervals corresponding to the required time, and the like are created. The break opportunity table T2 is updated to the latest data acquired from the outside.

  FIG. 5 is a schematic diagram showing a storage example of the grade update condition database D3. The grade update condition database D3 estimates whether or not the number of good driving conditions satisfies the update condition by the update determining means 106, or the number of good driving times required for the current good driving number to satisfy the update conditions by the number estimating means 107. Sometimes referred to, a plurality of grade update condition tables T3 are stored. The grade update condition table T3 stores insurance premium discount rates and update conditions corresponding to each grade. The premium discount rate increases as the grade increases, and the premium to be paid decreases as the discount rate increases. The update condition is represented by, for example, the number of excellent operations per predetermined unit period / total number of operations = achievement rate, and the achievement rate increases as the grade increases, that is, the condition becomes severe. The grade update condition table T3 is updated to the latest data appropriately acquired from the insurance company side server via the communication unit 11.

  As described above, the information processing apparatus 1 executes various processes with reference to the above-described database. Therefore, the procedure of various processes executed by the information processing apparatus 1 will be described separately in the first to third embodiments.

Embodiment 1 FIG.
In the first embodiment, the driver A determines a resting opportunity to take a rest according to the travel route of the mounted vehicle, and grasps the degree of the driver A resting according to the determined resting opportunity. The procedure of the insurance premium determination support process for determining whether or not to raise the grade of the driver A accordingly will be described. 6 and 7 are flowcharts showing the procedure of the insurance premium determination support process executed by the information processing apparatus 1 according to the first embodiment. FIG. 8 is the procedure of the break opportunity determination process executed by the information processing apparatus 1 according to the first embodiment. FIG. 9 is a diagram showing a display example of an update notification.

  The CPU 10 of the information processing apparatus 1 determines whether or not the prime mover 50 of the mounting destination vehicle has been activated (S101), and if it is determined that the prime mover 50 of the loading destination vehicle has not been activated (NO in S101), step S101. The process is repeated until the prime mover 50 of the mounted vehicle is started.

  On the other hand, if the CPU 10 determines that the motor 50 of the mounted vehicle has been activated (YES in S101), the driver ID reading unit 12 uses the driver ID in the license card C, the current grade, and the number of good driving up to the present time. Such data is read (S102). The CPU 10 determines whether or not the driver A who is the holder of the license card C is an insured person based on the read driver ID (S103), and it is determined that the driver A is not an insured person. If so (NO in S103), the fact is written in the license card C (S116), and the process is terminated.

  On the other hand, if the CPU 10 determines that the driver A is an insured person (YES in S103), the CPU 10 detects the position of the mounting destination vehicle (S104), and the traveling destination of the mounting destination vehicle input from the driver A is detected. Is accepted (S105). The CPU 10 searches for a travel route from the current position to the travel destination (S106), and executes a break opportunity determination process based on the searched travel route (S107). The procedure for the break opportunity determination process will be described later.

  The CPU 10 determines whether or not the prime mover 50 of the mounting destination vehicle is in a stopped state, that is, whether or not the stopping state of the mounting destination vehicle has been detected (S108), and determines that the stopped state of the mounting destination vehicle has been detected. In the case (YES in S108), the number of detections is incremented and the number of detections is counted (S109), and the process proceeds to step S110.

  On the other hand, if the CPU 10 determines that the stop state of the mounting destination vehicle has not been detected (NO in S108), the CPU 10 proceeds to step S110 without performing the counting in step S109.

  When the CPU 10 counts the number of times of detection (see S109) or determines that the stop state of the mounted vehicle is not detected (refer to NO in S108), the CPU 10 determines whether or not the mounted vehicle has arrived at the travel destination. If it is determined (S110) and it is determined that the mounted vehicle has not arrived at the travel destination (NO in S110), the process returns to step S108 to determine whether the mounted vehicle is in a stopped state at the next break opportunity. To detect.

  On the other hand, when the CPU 10 determines that the mounted vehicle has arrived at the travel destination (YES in S110), the CPU 10 calculates a ratio obtained by dividing the counted number of detections by the number of break opportunities determined in step S107 (S111). . The CPU 10 determines whether or not the calculated ratio is greater than or equal to a predetermined value (S112). If the calculated ratio is determined to be less than the predetermined value (NO in S112), the CPU 10 does not increment the number of excellent driving operations. Increment only the total number. That is, the CPU 10 determines that the driver A is not trying to drive safely in this driving. The CPU 10 writes the updated total number of driving, the number of excellent drivings up to the present, and the current grade on the license card C (S116), and ends the process.

  On the other hand, when it is determined that the calculated ratio is equal to or greater than the predetermined value (YES in S112), the CPU 10 increments the number of excellent operations and the total number of operations. That is, the CPU 10 determines that the driver A is trying to drive safely in the current driving. Furthermore, the CPU 10 determines whether or not the number of updated excellent driving conditions satisfies the update condition (S113). If the CPU 10 determines that the number of good driving operations after updating does not satisfy the updating condition (NO in S113), the CPU 10 writes the total number of driving operations after updating, the number of good driving operations after updating, and the current grade to the license card C (S116). ), The process is terminated. That is, the CPU 10 determines that the grade of the driver A is not raised.

  On the other hand, if the CPU 10 determines that the number of good driving after the update satisfies the update condition (YES in S113), the CPU 10 raises the grade of the driver A (S114), and displays an update notification indicating that the grade has been raised. Output (S115). In the update notification, for example, the grade before promotion and the grade after promotion, and the premium discount rate before promotion and the premium discount rate after promotion are output to the screen W of the liquid crystal display of the information output unit 19 (see FIG. 9). ). The CPU 10 initializes the number of excellent driving, the total number of driving, and the insurance period (value = 0), writes the grade after the promotion to the license card C (S116), and ends the process. The driver A receives a discount on the insurance premium to be paid by transmitting the grade data D4 in the license card C to the server on the insurance company side.

  Next, the procedure of the break opportunity determination process executed by the information processing apparatus 1 in step S107 will be described. The CPU 10 of the information processing apparatus 1 extracts a travel route table T1 corresponding to the searched travel route from the travel route database D1 (S201), and extracts a travel distance from the extracted travel route table T1 (S202).

  The CPU 10 extracts the break opportunity table T2 including the number of breaks corresponding to the extracted travel distance from the break opportunity database 203 (S203), and determines the number of breaks based on the extracted break opportunity table T2 (S204). Based on the determined number of breaks, the CPU 10 determines the number of occurrences of break opportunities, that is, the number of breaks = the number of occurrences of break opportunities (S205), and waits for a next processing request.

  Next, the insurance premium determination support processing will be described separately in the first to third embodiments using the specific numerical values shown in FIGS.

Example 1.
When driver A who aims to be promoted from 12th grade to 13th grade drives a travel route from somewhere in Chuo-ku, Osaka to somewhere in Minato-ku, Tokyo, CPU 10 of information processing device 1 refers to travel route table T1. The fact that the current travel distance is 550 km is acquired. When the CPU 10 travels 550 km with reference to the break opportunity table T2, the CPU 10 determines that the number of breaks is 14 times and determines that the number of break opportunities is 14 times.

  If the CPU 10 detects a stop state of 14 or more times before reaching the travel destination, the number of stops / the number of occurrences of breaks ≧ 100%, so the number of excellent driving of the driver A is incremented. The driver A tries to drive safely.

Example 2
When the driver A drives the return trip from Tokyo to Osaka, the CPU 10 of the information processing device 1 acquires that the travel distance is 550 km as in the first embodiment, and the number of breaks is 14 times. Determine that the number of occurrences is 14 times.

  If the CPU 10 detects a stop state 10 times before arriving at the travel destination, the number of stops / the number of break opportunities <100%, so the processing is performed without incrementing the number of excellent driving of the driver A. finish. Driver A is not trying to drive safely on the way home, unlike the outward trip.

Example 3 FIG.
For example, when the total driving number of the driver A reaches 100 times and the number of good driving times is 60, the CPU 10 of the information processing apparatus 1 calculates the number of good driving times / total driving number = achievement rate and calculates It is determined that the achieved achievement rate satisfies the achievement rate of 60% or more, which is an update condition from the 12th grade to the 13th grade. As a result, the CPU 10 determines to promote the grade of the driver A from 12 to 13, and notifies that effect.

  As described above, the information processing apparatus 1 has a function of elevating the grade of the driver A and notifying the driver A when the number of excellent driving times of the driver A satisfies the update condition. Furthermore, the information processing apparatus 1 has a function of estimating the number of good driving operations necessary for the driver A's number of good driving operations to satisfy the update condition. Hereinafter, the procedure of the number estimation process executed by the information processing apparatus 1 will be described. FIG. 10 is a flowchart illustrating a procedure of the number estimation process executed by the information processing apparatus 1 according to the first embodiment, and FIG. 11 is a diagram illustrating a notification display example.

  When the CPU 10 of the information processing apparatus 1 receives an input of a request from the driver A, it determines whether or not the current time has reached the insurance period (S301), and determines that the current time has reached the insurance period ( (YES in S301), a notification that the insurance period has ended (see FIG. 11B) is made (S302), and the process ends. The CPU 10 determines that it is not necessary to determine the grade.

  On the other hand, if the CPU 10 determines that the current period has not reached the insurance period (NO in S301), the CPU 10 reads the current total number of operations stored in the RAM 13 (S303), and the current number of excellent driving operations stored in the RAM 13 Is read (S304), and the current achievement rate is calculated (S305) by calculating the number of excellent operations / total number of operations = achievement rate.

  The CPU 10 determines whether or not the calculated achievement rate satisfies the update condition (S306). If the CPU 10 determines that the calculated achievement rate satisfies the update condition (YES in S306), the process proceeds to step S309.

  On the other hand, when the CPU 10 determines that the calculated achievement rate does not satisfy the update condition (NO in S306), the CPU 10 calculates the achievement rate in the case where the driver A performs excellent driving in the next driving (S307). Specifically, the CPU 10 adds 1 to the current number of excellent driving operations and the total number of operations stored in the RAM 13, and calculates the number of excellent driving times + 1 / the total number of operations + 1 = achievement rate.

  The CPU 10 increments the variable x (S308) and determines again whether or not the achievement rate calculated in step S307 satisfies the update condition (see S306). As a result, when the CPU 10 determines that the achievement rate does not satisfy the update condition (refer to NO in S306), the CPU 10 proceeds to step S307, further adds 1 to the number of excellent operations and the total number of operations, and the number of excellent operations + 2 / Total number of operations + 2 = Calculate the achievement rate.

  On the other hand, if the CPU 10 determines that the achievement rate satisfies the update condition (see YES in S306), the CPU 10 proceeds to step S309.

  When the CPU 10 determines that the achievement rate satisfies the update condition (see YES in S306), the CPU 10 reads the variable x and notifies the driver A that x excellent driving is necessary (FIG. 11 (a )) (S309), and the process ends.

  Thus, the information processing apparatus 1 teaches the driver A the conditions necessary to promote the driver A's grade by executing the above-described number of times estimation process. As a result, the driver A tries to drive safely in order to promote his / her grade. Here, the number estimation process will be described as a fourth embodiment using the specific numerical values shown in FIGS.

Example 4
For example, when the total number of driving operations of the driver A aiming for promotion from the 12th grade to the 13th grade reaches 98 times and the number of good driving times is 58 times, the CPU 10 of the information processing apparatus 1 determines the number of good driving times / Total number of operations = achievement rate is calculated. Since the achievement rate is about 59%, the CPU 10 determines that the update condition from the 12th grade to the 13th grade is not satisfied. The CPU 10 increments the variable x.

  CPU10 assumes that the driver | operator A performed the excellent driving | operation by the next driving | running | working, and calculates an achievement rate again on the assumption that the frequency | count of a driving | operation is 99 times and the frequency | count of a good driving | operation is 59 times. Since the achievement rate is still about 59%, the CPU 10 determines that the update condition from the 12th grade to the 13th grade is not satisfied. The CPU 10 increments the variable x.

  The CPU 10 again assumes that the driver A has performed excellent driving in the next driving, and calculates the achievement rate again assuming that the number of driving times is 100 times and the number of excellent driving times is 60 times. Since the achievement rate is 60%, the CPU 10 determines that the update condition from the 12th grade to the 13th grade is satisfied. The variable x has a value = 2. The CPU 10 notifies the driver A that two excellent driving operations are necessary.

Embodiment 2. FIG.
In the above-described first embodiment, an example in which the number of excellent driving of the driver A is incremented when it is determined that the calculated ratio is 100% (see S112) has been described. However, the present invention is not limited to this, and the number of excellent driving of the driver A may be incremented when it is determined that the calculated ratio is 100% or less, for example, 80% or more.

  Since the configuration and operation of the information processing device 1 in the second embodiment are the same as the configuration and operation of the information processing device 1 in the first embodiment, the corresponding parts are denoted by the same reference numerals and description thereof is omitted. .

  The procedures of the insurance premium determination support process, the break opportunity determination process, and the number estimation process executed by the information processing apparatus 1 in the second embodiment are the same as those in the insurance premium determination support process executed by the information processing apparatus 1 in the first embodiment. Since this is the same except for step S112, only step S112 will be described below, and the other steps will be denoted by the same step number and description thereof will be omitted.

  Hereinafter, a description will be given with reference to FIG. When the CPU 10 of the information processing apparatus 1 in the second embodiment determines that the calculated ratio is 80% or more (see YES in S112), the CPU 10 increments the number of excellent driving and the total number of driving. On the other hand, if the CPU 10 determines that the calculated ratio is less than 80% (see NO in S112), the CPU 10 increments only the total number of operations without incrementing the number of good operations.

  Insurance premium determination support processing executed by the information processing apparatus 1 according to Embodiment 2 will be described as Example 5 using the specific numerical values illustrated in FIGS.

Embodiment 5 FIG.
For example, the CPU 10 of the information processing apparatus 1 determines that the number of breaks is 14 times for the driver A who wants to be promoted from the 12th grade to the 13th grade, and determines that the number of occurrences of the break is 14 times. To do.

  The CPU 10 increments the number of excellent driving times of the driver A because the number of stopping times / the number of occurrences of resting opportunities ≧ 80% when detecting 12 stop states.

Embodiment 3 FIG.
In Embodiment 1 and 2 mentioned above, the example which handles the frequency | count of the break which the driver | operator A should take a break as a break opportunity was demonstrated. However, this invention is not limited to this, For example, you may make it handle the rest interval which the driver | operator A should rest as a rest opportunity.

  Since the configuration and operation of the information processing apparatus 1 in the third embodiment are the same as the configuration and operation of the information processing apparatus 1 in the first embodiment, the corresponding parts are denoted by the same reference numerals and description thereof is omitted. .

  The procedures of the insurance premium determination support process, the break opportunity determination process, and the number estimation process executed by the information processing apparatus 1 in the third embodiment are the same except for the break opportunity determination process executed by the information processing apparatus 1 in the first embodiment. Therefore, only the break opportunity determination process will be described below, and the other process will be given the same step number and the description thereof will be omitted.

  FIG. 12 is a flowchart illustrating a procedure of a break opportunity determination process executed by the information processing apparatus 1 according to the third embodiment.

  The CPU 10 of the information processing apparatus 1 extracts the travel route table T1 corresponding to the searched travel route from the travel route database D1 (S401), and extracts the travel distance from the extracted travel route table T1 (S402).

  The CPU 10 extracts a break opportunity table T2 including a break interval corresponding to the extracted travel distance from the break opportunity database D2 (S403), and determines a break interval based on the extracted break opportunity table T2 (S404). The CPU 10 determines the number of occurrences of break opportunities based on the determined break interval, that is, the required time / break interval = the number of occurrences of break opportunities (S405), and waits until the next processing request is made.

  In the above-described embodiment, an example in which the driver A drives the mounting destination vehicle has been described. However, another driver who jointly uses the mounting destination vehicle may be used.

  In the above-described embodiment, an example in which the number of breaks of the driver is detected based on whether or not the prime mover 50 of the mounted vehicle is stopped has been described. For example, the side brake operation state detected by the side brake operation sensor 40 The number of breaks of the driver may be detected based on the position state to the parking range detected by the shift lever position detection sensor 41, or a combination thereof.

  Regarding the above-described embodiment, the following additional notes are disclosed.

(Appendix 1)
In a premium determination support device that determines a grade that is an evaluation of discount or premium of mobile insurance premiums to be paid by the driver according to the driving of the mobile driver,
Grade storage means for storing the grade for the driver;
A database that stores a break opportunity that the driver should take a break in association with the driving route;
Position detecting means for detecting the position of the moving body;
A destination receiving means for receiving an input of a traveling destination;
Route search means for searching for a travel route from the position of the moving body detected by the position detection means to a travel destination;
A break opportunity determination means for determining a plurality of break opportunities on the searched travel route based on the database;
Stop state detection means for sequentially detecting the stop state of the moving body generated while traveling to the travel destination,
Stop state counting means for counting the number of detections of the stop state detected by the stop state detecting means;
Grade updating means for updating the evaluation of the discount to the premium of the mobile insurance for the grade stored in the grade storage means according to the ratio of the number of times of detection to the number of occurrences of the determined break opportunity;
An insurance premium determination support apparatus comprising: output means for outputting information related to the update by the grade update means.

(Appendix 2)
The break opportunity was associated with the road structure such as the number of breaks or break intervals associated with the distance of the travel route, the number of breaks or break intervals associated with the required time to the destination, the lane width of the travel route, etc. The insurance premium determination support device according to appendix 1, characterized in that it is defined by either the number of breaks or break intervals, or the number of breaks or break intervals associated with traffic conditions such as the degree of congestion of the travel route.

(Appendix 3)
The stop state detecting means detects the stop state of the moving body when the prime mover of the moving body is in the stopped state, the switch of the side brake is in the on state, or the position of the shift lever is in the parking range. The insurance premium determination support device according to Supplementary Note 1 or Supplementary Note 2, wherein

(Appendix 4)
Update condition storage means for storing an update condition for updating the rating stored in the grade storage means for discounting the insurance premium for mobile insurance;
Excellent driving storage means for storing the number of good driving times indicating that the driver's driving is excellent;
Ratio determination means for sequentially determining whether or not the ratio is equal to or greater than a predetermined value each time when traveling to a travel destination is performed,
When it is determined that the ratio is equal to or greater than a predetermined value, an excellent operation counting unit that increments the number of excellent operations,
Update determination means for determining whether or not the number of good driving operations per predetermined unit period stored in the good driving storage means satisfies the update condition, and
When the grade update means determines that the number of good driving operations per predetermined unit period satisfies the update condition, the grade stored in the grade storage means is more evaluated for discounts on insurance premiums for mobile insurance. The insurance premium determination support device according to any one of appendices 1 to 3, wherein the insurance premium determination support device is updated to a higher grade.

(Appendix 5)
The insurance premium determination support apparatus according to appendix 4, wherein the predetermined unit period is an insurance period of mobile insurance.

(Appendix 6)
A number of times estimation means for estimating the number of times necessary for the current number of good driving operations stored in the good driving storage means to satisfy the update condition;
6. The insurance premium determination support apparatus according to appendix 4 or 5, wherein the output means outputs the number of times estimated by the number of times estimation means as information relating to the update.

(Appendix 7)
Further comprising means for communication with the outside,
7. The insurance premium decision support apparatus according to any one of appendices 1 to 6, wherein the output means outputs information related to updating to the outside using the communication means.

(Appendix 8)
Further comprising activation detection means for detecting the activation state of the motor of the moving body,
The insurance premium according to any one of appendices 1 to 7, wherein the output means outputs information related to the update when the activation detection means detects the activation state of the motor of the moving body. Decision support device.

(Appendix 9)
In a computer program for causing a computer to determine a grade which is an evaluation of a discount or premium on mobile insurance premiums to be paid by the driver according to the driving of the mobile driver,
Memorizing the grade for the driver;
Detecting the position of the moving body;
A step of accepting an input of a travel destination;
Searching for a travel route from the detected position of the moving body to the travel destination;
A step of determining a plurality of break opportunities on the searched driving route;
A step of sequentially detecting a stop state of the moving body generated while traveling to the traveling destination;
Counting the detected number of detections;
A computer program for causing a computer to execute a step of updating a rating of a discount for a mobile insurance premium according to a ratio of the number of detections to a determined number of occurrences of break opportunities.

(Appendix 10)
A step of sequentially determining whether or not the ratio is equal to or greater than a predetermined value each time traveling to a travel destination is performed;
If it is determined that the ratio is greater than or equal to a predetermined value, the step of incrementing the number of good driving times indicating that the driver's driving is good; and
Determining whether the number of good driving operations per predetermined unit period satisfies the update condition;
When it is determined that the number of good driving operations per predetermined unit period satisfies the renewal condition, the computer is further executed to update the class to a class with a higher evaluation of the discount on the premium of mobile insurance. The computer program according to appendix 9.

(Appendix 11)
The computer program according to appendix 10, further causing the computer to execute a step of estimating the number of times necessary for the current number of good driving to satisfy the update condition.

It is a figure explaining the structural block of an information processing apparatus, and a peripheral device. It is a block diagram explaining the function of CPU. It is a schematic diagram which shows the example of storage of a travel route database. It is a schematic diagram which shows the example of storage of a break opportunity database. It is a schematic diagram which shows the example of storage of a grade update condition database. 6 is a flowchart showing a procedure of insurance premium determination support processing executed by the information processing apparatus in the first embodiment. 6 is a flowchart showing a procedure of insurance premium determination support processing executed by the information processing apparatus in the first embodiment. 3 is a flowchart illustrating a procedure of a break opportunity determination process executed by the information processing apparatus according to the first embodiment. It is a figure which shows the example of a display of an update notification. 4 is a flowchart illustrating a procedure of a number estimation process executed by the information processing apparatus according to the first embodiment. It is a figure which shows the example of a display of notification. 10 is a flowchart illustrating a procedure of a break opportunity determination process executed by the information processing apparatus according to Embodiment 3.

Explanation of symbols

1 Information processing device 10 CPU
11 Communication Unit 12 Driver ID Reading Unit 13 RAM
DESCRIPTION OF SYMBOLS 14 Auxiliary memory | storage part 15 Travel route guide part 16 Stop detection part 17 Motor | power_engine control part 18 Operation part 19 Information output part 40 Side brake operation sensor 41 Shift lever position detection sensor 50 Motor | power_engine

Claims (6)

In an insurance premium determination support device that determines a grade that is an evaluation of discount or premium of mobile insurance premiums to be paid by the driver according to driving of a mobile driver,
Grade storage means for storing the grade for the driver;
A database that stores a break opportunity that the driver should take a break in association with the driving route;
Position detecting means for detecting the position of the moving body;
A destination receiving means for receiving an input of a traveling destination;
Route search means for searching for a travel route from the position of the moving body detected by the position detection means to a travel destination;
A break opportunity determination means for determining a plurality of break opportunities on the searched travel route based on the database;
Stop state detection means for sequentially detecting the stop state of the moving body generated while traveling to the travel destination,
Stop state counting means for counting the number of detections of the stop state detected by the stop state detecting means;
Grade update means for updating the evaluation of the discount to the premium of the mobile insurance for the grade stored in the grade storage means according to the ratio of the number of detection times to the determined number of occurrences of break opportunities;
An insurance premium determination support apparatus comprising: output means for outputting information related to the update by the grade update means. Update condition storage means for storing an update condition for updating the rating stored in the grade storage means for discounting the insurance premium for mobile insurance;
Excellent driving storage means for storing the number of good driving times indicating that the driver's driving is excellent;
Ratio determination means for sequentially determining whether or not the ratio is equal to or greater than a predetermined value each time when traveling to a travel destination is performed,
When it is determined that the ratio is equal to or greater than a predetermined value, an excellent operation counting unit that increments the number of excellent operations,
Update determination means for determining whether or not the number of good driving operations per predetermined unit period stored in the good driving storage means satisfies the update condition, and
When the grade update means determines that the number of good driving operations per predetermined unit period satisfies the update condition, the grade stored in the grade storage means is more evaluated for discounts on insurance premiums for mobile insurance. The insurance premium determination support apparatus according to claim 1, wherein the insurance premium determination support apparatus is updated to a higher grade.   The insurance premium determination support apparatus according to claim 2, wherein the predetermined unit period is an insurance period of mobile insurance. A number of times estimation means for estimating the number of times necessary for the current number of good driving operations stored in the good driving storage means to satisfy the update condition;
The insurance fee determination support apparatus according to claim 2 or 3, wherein the output means outputs the number of times estimated by the number of times estimation means as information relating to the update. Further comprising activation detection means for detecting the activation state of the motor of the moving body,
The insurance according to any one of claims 1 to 4, wherein the output means outputs information related to the update when the activation detection means detects the activation state of the prime mover of the moving body. Fee decision support device. In a computer program for causing a computer to determine a grade which is an evaluation of a discount or premium on mobile insurance premiums to be paid by the driver according to the driving of the mobile driver,
Memorizing the grade for the driver;
Detecting the position of the moving body;
A step of accepting an input of a travel destination;
Searching for a travel route from the detected position of the moving body to the travel destination;
A step of determining a plurality of break opportunities on the searched driving route;
A step of sequentially detecting a stop state of the moving body generated while traveling to the traveling destination;
Counting the detected number of detections;
A computer program for causing a computer to execute a step of updating the evaluation of a discount to a premium of a mobile insurance according to a ratio of the number of times of detection to a determined number of occurrences of break opportunities.

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