JP2020046849A - Insurance application systems and programs - Google Patents

Abstract

To provide an insurance application system and the like that can suppress improper insurance coverage on a device.SOLUTION: An insurance application system 1 comprises: a transmitting and receiving unit 41 for obtaining operation information that is information on an operating state of a device to be insured; a storage unit 42 for storing information identifying the device and operation information in association with each other; and an output unit 43 for outputting, at the time of applying insurance, the operation information to verify whether or not the operation state of the device is normal when the insurance is applied.SELECTED DRAWING: Figure 3

Description

  The present invention relates to an insurance application system and a program.

  There is an insurance application system that can receive services such as repairs and insurance money in the event of a breakdown or the like when an appliance such as a home appliance is subscribed to insurance.

  For example, in a home appliance maintenance service system described in Patent Document 1, a home appliance monitoring device that monitors home appliances and an insurance contract management device that manages insurance contracts for home appliances are connected via a network. The result of the failure diagnosis is automatically exchanged with the insurance contract management device.

  Further, the insurance content adjustment system described in Patent Literature 2 uses the insurance content determined based on the status data obtained from the status of the insurance target to determine the degree of the policyholder's approach to reacquisition of the status data, By making adjustments using the degree of policyholders' efforts to reduce risk, premiums will be appropriately set for insurance targets whose risk will decrease in the future.

JP-A-2004-5371 JP 2002-73990 A

Normally, when purchasing insurance, it is assumed that appliances such as home appliances are operating in a normal state. However, there is a case where there is a person who applies insurance in a state where a device has failed and tries to apply insurance falsely and fraudulently afterwards. On the other hand, when taking out insurance, individually investigating that the device is operating normally requires a lot of labor and is difficult to implement.
An object of the present invention is to provide an insurance application system and the like that can suppress unauthorized insurance of a device.

  Thus, according to the present invention, an acquisition unit that acquires operation information that is information on an operating state of a device to be insured, a storage unit that stores information specifying a device and operation information in association with each other, When applying insurance, an insurance application system having output means for outputting operation information in order to verify whether or not the operation state of the device is normal when the insurance is applied is provided.

Here, the operation information may be a moving image captured in the operation state of the device. The information for specifying the device may be a captured image. In this case, the procedure for joining the insurance can be further simplified.
The operation information may be power consumption and / or power consumption used by the device. In this case, it is possible to more easily determine whether or not the device is normal.
Still further, the photographed image may be a still image photographed from a different angle of the device. In this case, the procedure for joining the insurance can be further simplified.
Further, it is possible to further include analysis means for comparing an operation based on the moving image output by the output means with a normal operation. In this case, the process of performing the verification can be automated.
Further, it is possible to further include analysis means for comparing the sound based on the moving image output by the output means and the sound in a normal state by frequency analysis. In this case, a sound that does not occur in a normal state such as an abnormal sound can be detected.
Then, the analysis unit can further confirm whether the device based on the information specifying the device and the device captured using the moving image information are the same. As a result, it is possible to further suppress unauthorized insurance of the device.
Further, the analysis means may further confirm whether or not the operation state of the device is normal when applying the insurance. In this case, it is possible to prevent the insurance from being applied in spite of the normal operation state of the device.

  Further, according to the present invention, the computer has an acquisition function of acquiring operation information that is information on an operating state of a device to be insured, and a storage that associates information for identifying a device with the operation information and stores the information. A program for realizing a function and an output function of outputting operation information for verifying whether or not the operation state of the device when insurance is applied when applying insurance is provided. You.

  ADVANTAGE OF THE INVENTION According to this invention, the insurance application system etc. which can control that insurance is improperly applied to an apparatus can be provided.

It is a figure showing the example of composition of the insurance application system in this embodiment. It is a figure showing an example of an outline operation of an insurance application system. It is a block diagram showing an example of functional composition of an insurance application system. 6 is a flowchart illustrating operations performed by the mobile terminal and the management server when subscribing to insurance in the embodiment. FIG. 7 is a diagram showing a screen for selecting a device type on a display corresponding to a display unit. FIG. 7 is a diagram illustrating a screen displayed when a still image is captured in order to acquire device information. FIG. 9 is a diagram illustrating a screen displayed when a moving image is captured in order to acquire motion information. FIG. 3 is a diagram illustrating an example of subscriber information, device information, and operation information stored in a storage unit. 5 is a flowchart illustrating operations performed by the mobile terminal and the management server when applying insurance in the present embodiment. (A)-(b) is a figure showing the locus of the movement of the cleaning robot. FIG. 4 is a diagram illustrating a frequency spectrum of an audio signal of an operation sound. FIG. 3 is a diagram illustrating power consumption of a device.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

<Explanation of the entire insurance application system>
FIG. 1 is a diagram illustrating a configuration example of an insurance application system 1 according to the present embodiment.
As shown in the figure, in the insurance application system 1 of the present embodiment, mobile terminals 20a and 20b, terminal devices 30a and 30b, and a management server 40 are connected via a network 70, a network 80, and an access point 90. It is constituted by.
Hereinafter, when the portable terminal 20a and the portable terminal 20b are not distinguished from each other, they may be simply referred to as “portable terminal 20”. Furthermore, when the terminal device 30a and the terminal device 30b are not distinguished, they may be simply referred to as “terminal device 30”.
Although FIG. 1 shows only two portable terminals 20 and two terminal devices 30, any number may be used.

  The mobile terminal 20 is a mobile terminal such as a mobile computer, a mobile phone, a smartphone, and a tablet. The mobile terminal 20 connects to the access point 90 to perform wireless communication. Then, the mobile terminal 20 connects to the network 70 that performs wired communication via the access point 90. The mobile terminal 20 is a mobile terminal owned by a person who performs a procedure for subscribing to insurance such as home appliances. Hereinafter, this person may be referred to as “insurance subscriber”.

The terminal device 30 is, for example, a so-called general-purpose personal computer (PC). The terminal device 30 can perform various types of information processing by operating various types of application software under the management of an OS (Operating System).
In the present embodiment, the terminal device 30 is a terminal device owned by the insurance subscriber, like the mobile terminal 20.

  The management server 40 is a server computer that manages the entire insurance application system 1. As will be described in detail later, for example, the management server 40 accepts a procedure for subscribing to insurance for appliances such as home appliances. When a failure or the like occurs in the device, a process for receiving insurance is performed.

Each of the mobile terminal 20, the terminal device 30, and the management server 40 includes a CPU serving as a calculation unit, a main memory serving as a storage unit, and a hard disk drive (HDD). Here, the CPU executes various software such as an OS (basic software) and an application program (application software). The main memory is a storage area for storing various software, data used for executing the software, and the like, and the HDD is a storage area for storing input data for various software, output data from various software, and the like.
Further, the mobile terminal 20, the terminal device 30, and the management server 40 are provided with a communication interface (hereinafter referred to as "communication I / F") for performing communication with the outside and a display mechanism including a video memory, a display, and the like. , Input buttons, a touch panel, a keyboard, and other input mechanisms.
Still further, the mobile terminal 20 includes a camera. Then, a function such as GPS (Global Positioning System) may be provided.

  The network 70 is a communication unit used for information communication between the mobile terminal 20, the terminal device 30, and the management server 40, and is, for example, the Internet.

  Like the network 70, the network 80 is a communication unit used for information communication between the mobile terminal 20, the terminal device 30, and the management server 40, and is, for example, a LAN (Local Area Network).

The access point 90 is a device that performs wireless communication with the network 70 that performs wired communication using a wireless communication line. The access point 90 mediates transmission and reception of information between the mobile terminal 20 and the network 70.
Various types of wireless communication lines, such as mobile phone lines, PHS (Personal Handy-phone System) lines, Wi-Fi (Wireless Fidelity), Bluetooth (registered trademark), ZigBee, UWB (Ultra Wideband), etc., can be used. It is.

<Outline of operation of insurance application system 1>
FIG. 2 is a diagram illustrating an example of a schematic operation of the insurance application system 1.
Note that the same can be performed in the terminal device 30, but here, only the differences will be described with respect to the terminal device 30, and the portable terminal 20 will be described as a representative.

  First, the insurance subscriber operates the mobile terminal 20 to obtain information for specifying a device to be insured (1A). The information for specifying a device to be insured is, for example, a manufacturer of the device, a model number of the device, a serial number of the device, and the like. In the present embodiment, information for specifying a device is obtained as a still image by a camera built in the mobile terminal 20, for example. Hereinafter, information for specifying a device may be referred to as “device information”. In this case, the device information is a captured image of a still image.

  Next, the insurance subscriber operates the portable terminal 20 to acquire operation information that is information on the operating state of the device to be insured (1B). The insurance subscriber obtains the operation information by, for example, shooting a moving image with a camera built in the mobile terminal 20. That is, in this case, the operation information is a moving image captured in the operation state of the device. In the illustrated example, a case is shown in which a moving image of an operating television is captured as the operation information.

  When the terminal device 30 does not have a built-in camera, in order to acquire device information and operation information, for example, a still image or a moving image is captured by a digital camera and stored in a memory card such as an SD card. The terminal device 30 can acquire device information and operation information by reading the photographing data in the SD card.

  Further, the insurance subscriber operates the portable terminal 20 to transmit device information and operation information to the management server 40 via the access point 90, the network 70, and the network 80 (1C). At this time, information about the insurance subscriber is also transmitted. The information about the insurance subscriber is information for identifying the insurance subscriber. Hereinafter, this information may be referred to as “subscriber information”.

  Then, the management server 40 stores the transmitted device information, operation information, and subscriber information in an HDD or the like in association with each other (1D).

In addition, when a failure of the device occurs and the insurance subscriber wants to apply the insurance, the insurance subscriber applies for insurance application from the portable terminal 20 (1E). In this case, the contents of the application are sent to the management server 40.
The management server 40 outputs operation information from the HDD or the like based on the subscriber information or the like (1F).
Then, based on the operation information, it is determined whether the device is in a normal state or a malfunctioning state at the time of insurance subscription (1G). As will be described later in detail, this may be determined by the management server 40, or may be determined by a person watching a moving image or listening to a sound accompanying the moving image.

  Then, if the equipment is in a normal state at the time of insurance, insurance such as payment of insurance money and repair of the equipment is applied (1H). In this case, as will be described in detail later, a predetermined procedure is performed for the insurance company.

  Next, a detailed functional configuration and operation of the insurance application system 1 of the present embodiment will be described.

<Explanation of functional configuration of insurance application system 1>
FIG. 3 is a block diagram illustrating an example of a functional configuration of the insurance application system 1.
Here, among the various functions of the insurance application system 1, those related to the present embodiment are selected and shown.
In the insurance application system 1, the mobile terminal 20 includes a transmission / reception unit 21 for transmitting / receiving information, a display unit 22 for displaying an image, an input unit 23 for inputting information, and a photographing unit 24 for photographing.

  The transmission / reception unit 21 is, for example, a communication I / F, and transmits / receives information to / from the management server 40 via the access point 90, the network 70, and the network 80.

  The display unit 22 is, for example, a touch panel. In this case, the display unit 22 includes a display on which various information is displayed, and a position detection sheet that detects a position touched by a finger, a stylus pen, or the like. As a means for detecting a contact position, any method such as a resistive film method for detecting based on pressure due to contact or a capacitance method for detecting based on static electricity of a contacted object is used. Is also good. The display unit 22 may be a liquid crystal display or the like.

  The input unit 23 is, for example, the touch panel described above. That is, in this case, the touch panel has the functions of both the display unit 22 and the input unit 23. The input unit 23 may be configured by a keyboard, a mouse, and the like.

The photographing unit 24 is a camera that photographs a device to be photographed. The photographing unit 24 includes an optical system that converges an image of a photographing target, and an image sensor that detects an image converged by the optical system.
The optical system is configured by combining a single lens or a plurality of lenses. For example, a twin lens is used in which two hemispherical lenses are used and their spherical sides are combined face to face. Various unnecessary aberrations are appropriately removed by a combination of lenses and a coating applied to the lens surface. The image sensor is configured by arranging image pickup devices such as a charge coupled device (CCD) and a complementary metal oxide semiconductor (CMOS).

The terminal device 30 includes a transmission / reception unit 31 having functions similar to those of the mobile terminal 20, a display unit 32, and an input unit 33.
The transmission / reception unit 31 is, for example, a communication I / F, and has the same function as the transmission / reception unit 21.
The display unit 32 is, for example, a liquid crystal display for a PC. However, the present invention is not limited to the liquid crystal system, and any device having a function of displaying an image may be used. Therefore, for example, a liquid crystal television, a cathode ray tube display, an organic EL display, a plasma display, a projector, or the like may be used.
The input unit 33 is, for example, an input device such as a keyboard and a mouse.

  The management server 40 includes a transmission / reception unit 41 that communicates with the outside, a storage unit 42 that stores predetermined information, an output unit 43 that outputs operation information, an analysis unit 44 that analyzes the operation information, And an application unit 45 for performing a procedure.

  The transmission / reception unit 41 is, for example, a communication I / F, and communicates with the mobile terminal 20 and the terminal device 30 to exchange predetermined information. Further, the transmission / reception unit 41 is an example of an acquisition unit, and acquires operation information that is information on an operating state of a device to be insured.

  The storage unit 42 is an example of a storage unit, and stores information for specifying a device and operation information in association with each other. Further, in addition to these pieces of information, subscriber information is further stored in association with each other. The subscriber information may be any information that can identify the insurance subscriber, and is, for example, information such as the postal code, address, name, gender, age, telephone number, mail address, insurance number, etc. of the insurance subscriber.

  The output unit 43 is an example of an output unit, and outputs, when applying insurance, operation information for verifying whether or not the operation state of the device is normal when the insurance is applied.

  The analysis unit 44 is an example of an analysis unit, and analyzes the acquired operation information. Then, at the time of insurance, it is determined whether or not the operating state of the device is normal. That is, it is determined from the operating state whether the device is in a normal state or in a failure state at the time of insurance.

  The application unit 45 performs a procedure for applying the insurance when the equipment is in a normal state when the insurance is enrolled. Specifically, for example, an insurance payment is made. For example, a transfer procedure may be performed to a bank account or the like of an insurance company, or a method of sending postal money order or the like to the insurance company may be used. The procedure for applying insurance includes, for example, repair of equipment. In this case, the application unit 45 performs a procedure such as dispatching a serviceman for repairing the device.

<Explanation of operation when taking out insurance>
Next, in the present embodiment, an example of the operation of the mobile terminal 20 and the management server 40 when subscribing to insurance will be described in more detail.
FIG. 4 is a flowchart illustrating an operation performed by the mobile terminal 20 and the management server 40 when subscribing to insurance in the present embodiment.
First, the insurance subscriber activates an application such as a browser operating on the mobile terminal 20. Then, a connection is made to a website provided by the management server 40 and in which insurance procedures to be subscribed can be made (step 101). In this case, when an operation such as touch is performed on the touch panel serving as the input unit 23, a screen corresponding to the operation is displayed on the touch panel also serving as the display unit 22.

  Next, the insurance subscriber inputs the subscriber information using the input unit 23 (Step 102). The subscriber inputs the subscriber information through the input unit 23, and the input subscriber information is displayed on the display unit 22.

Also, the insurance subscriber uses the imaging unit 24 to acquire device information as information for specifying a device to be insured (step 103). As described above, the device information is the manufacturer of the device, the model number of the device, the serial number of the device, and the like, but may be a warranty, a delivery note, or the like.
Alternatively, for example, the device information can be a still image of the device taken from a different angle. Although the number of still images may be one, it is more preferable to use a plurality of still images from the viewpoint of preventing fraud. In this case, for example, the plurality of still images include three images of the device taken from the front, right side, and left side. By simplifying the device information, the insurance enrollment procedure is simplified and insurance is more easily enrolled.

FIGS. 5 and 6 are diagrams showing screens displayed on the mobile terminal 20 when acquiring device information.
FIG. 5 is a diagram showing a screen for selecting the type of device on the display 210 corresponding to the display unit 22. In this case, a list of devices is displayed as a menu 212 together with the message 211 "Please select a device to insure." Then, by selecting the name of a device such as a television or a refrigerator from the menu 212, the screen shifts to the screen of FIG.

FIG. 6 is a diagram illustrating a screen displayed when a still image is captured in order to acquire device information.
In this case, a screen displayed when a television is selected from the menu 212 in FIG. 5 is shown. Then, the photographed image is displayed on the display 210 together with the message 213 of "Please photograph a label on which the manufacturer, model number, and serial number of the television are printed. In the case of a television, the label is attached to the back surface." A window 214 to be displayed is displayed. Then, when the insurance subscriber shoots with the camera incorporated in the mobile terminal 20 corresponding to the shooting unit 24, the shot image is displayed in the window 214 as shown.
In addition, as described above, when the device information is a still image obtained by photographing the device from a different angle, the still image is displayed in the window 214.

Referring back to FIG. 4, the insurance subscriber uses the imaging unit 24 to acquire operation information that is information on the operating state of the device to be insured (step 104).
FIG. 7 is a diagram illustrating a screen displayed when a moving image is captured in order to acquire motion information.
The illustrated screen is displayed when an OK button 215 is pressed from the screen of FIG. Then, a window 217 displaying a captured image is displayed on the display 210 together with a message 216 of “Check the operation state of the TV. Turn on the power of the TV and shoot a TV program for at least one minute.” ,Is displayed. Then, when the insurance subscriber takes a picture with a camera built in the portable terminal 20, the taken picture is displayed in the window 217 as shown. This photographed image is a moving image with sound. Then, when the OK button 218 is pressed, the insurance premium described below can be paid.

Returning to FIG. 4 again, the insurance subscriber pays the insurance premium (step 105).
The insurance premium can be paid by a method such as payment by a credit card, bank transfer, payment at a convenience store, and the like. Alternatively, a method in which the portable terminal 20 is provided with an electronic money function and an insurance premium is paid using the electronic money function can also be used. In this case, the procedure for paying the insurance premium can be further simplified.

Next, the transmitting / receiving unit 21 transmits the subscriber information, the device information, and the operation information to the management server 40 (Step 106).
In the management server 40, the transmitting / receiving unit 41 receives the subscriber information, the device information, and the operation information, and determines whether or not predetermined information including insurance payment is available (step 107).
As a result, if they are present (Yes in step 107), the insurance is accepted (step 108). Then, the subscriber information, the device information, and the operation information are stored in the storage unit 42 (Step 109). At this time, the portable terminal 20 may be notified that insurance has been accepted. Further, an insurance number and an insurance period described later with reference to FIG. 8 may be notified.
On the other hand, if they are not aligned (No in step 107), the process returns to step 102. In other words, it informs the insurance subscriber that it is necessary to input the predetermined information, and urges re-input of the information.

FIG. 8 is a diagram illustrating an example of the subscriber information, the device information, and the operation information stored in the storage unit 42.
In the illustrated example, a name, a postal code (〒), an address, and a mail address are stored as subscriber information. In addition to this, insurance number. And the insurance period are stored. The insurance number is automatically given when the insurance is approved. The insurance period is a period during which the equipment is insured as described above.
Further, as the device information and the operation information, a file name in which these are stored is stored. These information can be obtained by referring to the file corresponding to the file name.

<Explanation of operation when applying insurance>
Next, in the present embodiment, an example of the operation of the mobile terminal 20 and the management server 40 when applying insurance will be described in more detail.
FIG. 9 is a flowchart illustrating an operation performed by the mobile terminal 20 and the management server 40 when applying insurance in the present embodiment.
First, the insurance subscriber activates an application such as a browser operating on the mobile terminal 20. Then, a connection is made to a website provided by the management server 40 and capable of applying for insurance (step 201).

Next, the insurance subscriber uses the input unit 23 of the mobile terminal 20 to input the subscriber information (Step 202). This subscriber information is information entered when joining the insurance, such as name and address. Alternatively, the insurance number or the like described in FIG. 8 may be input. At this time, as a reason for applying the insurance, an input such as failure, loss, or theft may be performed.
Then, the insurance subscriber transmits the subscriber information to the management server 40 (step 203). The transmission is performed by the transmission / reception unit 21. This means that you have applied for insurance.

The transmitted / received subscriber information is acquired by the transmission / reception unit 41 (step 204). Then, the output unit 43 outputs device information and operation information based on the subscriber information (Step 205).
Next, the analysis unit 44 determines whether the device information and the operation information match (step 206). That is, it is confirmed whether the device according to the device information is the same as the device photographed in the moving image. Further, it is determined whether or not the device selected at the time of the insurance subscription is photographed. The analysis unit 44 can acquire the manufacturer, model number, and the like of the device from the device information, and thus can acquire the shape, color, and the like of the device conforming to the information. This may be prepared in advance or acquired from the Internet or the like. Then, by performing image analysis or the like based on the acquired shape, color, and the like of the device, it can be determined whether or not the device captured by the operation information is the same.

  As a result, when the device information and the operation information match (Yes in step 206), the analysis unit 44 next determines whether the operation state of the device is normal when the insurance is applied based on the operation information. Is determined (step 207). As will be described in detail later, at this time, the analysis unit 44 compares the operation based on the moving image information with the normal operation. In addition, the analysis unit 44 compares the sound based on the moving image information with the sound in a normal state by frequency analysis.

If the operating state is normal (Yes in step 207), the analysis unit 44 determines whether the operating state of the device is normal when insurance is applied (step 208). When insurance is applied, that is, the analysis unit 44 further confirms whether or not the operation state of the device is normal when insurance is applied. In this case, the application of insurance is at the present time. That is, at the present time, if the operation of the device is not in a normal state, the insurance is applied, but if the operation of the device is in a normal state, the insurance is of course not applied.
As a result, if the operation state of the device is not normal when insurance is applied (No in Step 208), the application unit 45 performs a procedure for applying insurance (Step 209). That is, as described above, a transfer procedure is performed to a bank account or the like of an insurance company, and processing such as payment of an insurance money is performed.
On the other hand, if the device information and the operation information do not match in step 206 (No in step 206), if the operation state is not normal in step 207 (No in step 207), and in step 208, When the operation state of the device is normal when insurance is applied (Yes in Step 208), the application unit 45 determines that insurance is not applied (Step 210).

  Hereinafter, a method of determining whether the operation state of the device is normal in step 207 of FIG. 9 will be described.

(TV set)
First, the case where the device is a television will be described. In the case of a television, the analysis unit 44 determines from the operation information whether the video and audio are normal.
The analyzer 44 determines that the operation state of the device is normal if the video is displayed normally without any disturbance or the like and the sound is output normally without noise. On the other hand, when no video is displayed or when the video is disturbed, the analysis unit 44 determines that the operation state of the device is not normal. In addition, the analysis unit 44 determines that the operation state of the device is not normal, for example, when no sound is output or when the noise is loud.

(Cleaning robot)
Next, a case where the device is a cleaning robot will be described. In the case of a cleaning robot, the analysis unit 44 determines from the operation information whether the trajectory of the movement of the cleaning robot is normal.
FIGS. 10A and 10B are diagrams illustrating the trajectory of the movement of the cleaning robot.
FIGS. 10A and 10B show the trajectory K when the cleaning robot moves from the start point S to the end point E in the room R. At this time, the four sides representing the room R are wall surfaces.
FIG. 10A shows a trajectory K when the vehicle runs in the regular running as a running pattern. This travels first from the start point S along one side of the room R, and when approaching the wall surface, it reverses by opening a predetermined distance L, and travels in the opposite direction from the beginning. Then, when approaching the wall again, it turns over again by opening a predetermined distance L and proceeds in the same direction as the first. Thereafter, this is repeated, and when all the vehicles have traveled in the room R, the vehicle finally returns to the end point E near the start point S.

  FIG. 10B shows a trajectory K when the vehicle is operated in random traveling as a traveling pattern. This first proceeds from the start point S in any arbitrary direction. Then, when approaching the wall surface, the light proceeds to be reflected in an arbitrary direction, and thereafter, this operation is repeated. Then, when the vehicle travels for a predetermined traveling time or traveling distance, the movement stops, and this is the end point E.

  The running pattern is not limited to this. For example, when the vehicle travels in a spiral around the start point S or travels linearly for a certain distance, the vehicle travels randomly in a narrow area around it for a certain period of time, then shifts to linear travel again, and thereafter repeats this process. Other driving patterns such as random driving may be used.

  The analysis unit 44 determines whether the trajectory of the movement of the cleaning robot matches such a running pattern. When the running patterns match, the analysis unit 44 determines that the operation state of the device is normal. On the other hand, when the running patterns do not match, the analysis unit 44 determines that the operation state of the device is not a normal state. For example, if the cleaning robot simply reciprocates in the same place, it is determined that the state is not normal. The analyzing unit 44 also determines that the state is not normal even when the movement is extremely slow or when the movement stops unnaturally on the way.

(Refrigerator, washing machine)
Further, a case where the device is a refrigerator or a washing machine will be described. Recent refrigerators and washing machines often have a self-diagnosis function, and when an abnormality is found, an error code is displayed or a warning lamp is lit. Therefore, the analysis unit 44 determines whether or not the device is operating without such a situation. Then, the analyzer 44 determines that the operation state of the device is normal when the device is operating without displaying an error code or illuminating a warning lamp. On the other hand, when the error code is displayed and the warning lamp is lit, the analysis unit 44 determines that the operation state of the device is not normal.
This method is applicable not only to the refrigerator and the washing machine but also to a device that has a self-diagnosis function, displays an error code when an abnormality is found, and turns on a warning lamp.

(kitchenware)
The case where the appliance is a cooking appliance will be described. Examples of the cooking utensil include a range and a rice cooker. In the case of a cooking appliance, the analysis unit 44 determines whether or not cooking has been normally performed based on the operation information. In the case of a microwave oven or a rice cooker, steam is generated in the food after cooking. Therefore, for example, the analysis unit 44 determines whether or not steam is present in the food after cooking. Then, when steam is generated in the cooked food, the analysis unit 44 determines that the operation state of the appliance is normal. On the other hand, when no steam is generated in the cooked food, the analysis unit 44 determines that the operation state of the appliance is not a normal state.

(Air conditioner)
Further, the case where the device is an air conditioner will be described. In the case of an air conditioner, the analysis unit 44 determines from the operation information whether the operation sound is normal. In order to determine whether or not the operation sound is normal, for example, an audio signal of the operation sound is subjected to inverse Fourier transform, a frequency spectrum is obtained, and frequency analysis is performed.
FIG. 11 is a diagram showing a frequency spectrum of an audio signal of an operation sound.
Here, the horizontal axis represents frequency, and the vertical axis represents spectrum intensity. That is, the frequency spectrum indicates the relationship between the frequency and the intensity of the frequency component included in the operation sound.
In the illustrated example, the frequency spectrum of a normal operation sound is indicated by a solid line, and the frequency spectrum of an abnormal operation sound is indicated by a dotted line. When the two frequency spectra are compared, peaks P1, P2, and P3 appear when the frequency spectrum is not normal, and it is understood that the frequency spectrum is different from the normal case. This means that abnormal noise is occurring.

The analysis unit 44 determines whether the peaks P1 to P3 generated for the abnormal noise are present. When the peaks P1 to P3 do not exist, the analysis unit 44 determines that the operation state of the device is normal. On the other hand, when the peaks P1 to P3 exist, the analysis unit 44 determines that the operation state of the device is not normal.
Note that the method of determining whether the operation sound is normal and determining whether the state of the device is normal can be applied to other devices. For example, the present invention is also effective when judging the state of the above-mentioned cleaning robot, refrigerator, washing machine, cooking utensil, and the state of AV equipment such as a speaker and a CD player.

(Power consumption, power consumption)
Next, a method for determining whether the operation state of the device is normal based on the power consumption and the power consumption amount will be described. In this case, it is necessary to acquire the power consumption and power consumption used by the device as the operation state.
FIG. 12 is a diagram illustrating power consumption of the device.
Here, the horizontal axis represents time, and the vertical axis represents power consumption. The illustrated example shows the power consumption of the television.
In the illustrated example, the power consumption in a normal case is indicated by a solid line, and the power consumption in an abnormal case is indicated by a dotted line. Comparing the two power consumptions, it can be seen that the power consumption is almost constant in a normal case, whereas the change in the power consumption is large in a normal case.
When the power consumption is substantially constant as described above, the analysis unit 44 determines that the operation state of the device is normal. On the other hand, if the change in power consumption is large, the analysis unit 44 determines that the operation state of the device is not normal.
In addition, power consumption increases when the operation state of the device is not normal, as compared with the case where the operation state is normal. Therefore, the analysis unit 44 may make the above determination by integrating the power consumption in a predetermined time range and comparing it with the rated power consumption. In addition, the analysis unit 44 can grasp the normal power consumption in advance and determine whether or not the difference from the acquired power consumption is equal to or larger than a threshold.
In FIG. 12, the description has been made based on the power consumption, but the same applies to the power consumption. That is, the power consumption is larger when the operation state of the device is not normal than when it is normal. The analysis unit 44 grasps in advance the normal power consumption, and determines whether the operation state of the device is normal based on whether the difference from the obtained power consumption is equal to or greater than a threshold. be able to.
Note that the method of determining whether the state of the device is normal based on the power consumption and the amount of power consumption is applicable regardless of the device.

  According to the embodiment described in detail above, it is possible to provide the insurance application system 1 that can prevent the device from being illegally insured. In addition, according to this embodiment, the verification is performed when an application for insurance application or the like is made, so that less labor is required as compared with the case where the verification is performed when the insurance is applied. In addition, when applying for insurance, simple procedures are sufficient, so that insurance can be easily obtained.

  In the embodiment described above in detail, the insurance application system 1 is configured by connecting the mobile terminal 20, the terminal device 30, and the management server 40 via the network 70, the network 80, and the access point 90. However, the management server 40 alone can be treated as an insurance application system.

In the example described above, the device information is a still image, but may be a moving image.
Further, in the above-described example, the analysis unit 44 verifies whether or not the operation state of the device is normal. However, a person can verify the operation state. For example, a person visually checks a moving image as motion information and determines whether or not the device is in a normal state. In addition, a person listens to the sound of the moving image and determines whether or not the device is in a normal state. In this case, the analysis unit 44 may not be necessary.

<Description of the program>
The processing performed by the management server 40 according to the present embodiment described above is prepared, for example, as a program such as application software. This processing is realized by cooperation between software and hardware resources. That is, a CPU (not shown) in the computer provided in the management server 40 executes a program for realizing each of the functions described above, and realizes each of these functions.

  Therefore, in the present embodiment, the processing performed by the management server includes, in the computer, an acquisition function of acquiring operation information that is information on an operating state of a device to be insured, information for identifying the device, and operation information. And a function of outputting operation information for verifying whether or not the operation state of the device was normal at the time of insurance when applying insurance. It can also be considered as a program to make it work.

  It should be noted that the program for realizing the present embodiment can be provided not only by communication means but also stored in a recording medium such as a CD-ROM.

  Although the embodiment has been described above, the technical scope of the invention is not limited to the scope described in the embodiment. It is apparent from the description of the claims that various modifications or improvements made to the above embodiment are included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 1 ... Insurance application system, 20, 20a, 20b ... Portable terminal, 30, 30a, 30b ... Terminal device, 40 ... Management server, 41 ... Transmission / reception part, 42 ... Storage part, 43 ... Output part, 44 ... Analysis part, 45 … Applicable part

Claims (10)

Acquisition means for acquiring operation information that is information on the operating state of the device to be insured,
Storage means for storing the information specifying the device and the operation information in association with each other,
When applying insurance, output means for outputting the operation information in order to verify whether the operation state of the device was a normal state when applying insurance,
Insurance application system having a.   The insurance application system according to claim 1, wherein the operation information is a moving image captured in an operation state of the device.   The insurance application system according to claim 1, wherein the operation information is power consumption and / or power consumption used by the device.   The insurance application system according to claim 1, wherein the information specifying the device is a captured image.   The insurance application system according to claim 4, wherein the photographed images are still images of the device photographed from different angles.   The insurance application system according to claim 2, further comprising an analysis unit that compares an operation based on the moving image output by the output unit with a normal operation.   The insurance application system according to claim 2, further comprising an analysis unit that compares sound based on the moving image output from the output unit and sound in a normal state by frequency analysis.   The insurance application system according to claim 6, wherein the analysis unit further checks whether a device based on the information specifying the device and a device captured using moving image information are the same. .   8. The insurance application system according to claim 6, wherein the analysis unit further checks whether or not the operation state of the device is normal when applying the insurance. On the computer,
An acquisition function for acquiring operation information that is information on an operating state of a device to be insured,
A storage function of storing the information specifying the device and the operation information in association with each other,
When applying insurance, an output function for outputting the operation information in order to verify whether or not the operation state of the device was normal when taking out the insurance,
The program to realize.