JP2021056645A - Information processor and information processing method and program - Google Patents

Abstract

To provide an information processor that can appropriately grasp an occurrence state of a vehicle accident.SOLUTION: An information processor 1 comprises a storage part that stores contractor information related to an insurance contractor, vehicle information related to the contractor's vehicle, and a plurality of questions related to an accident that occur in the vehicle. a detection part detects occurrence of the accident, an acquisition part that acquires accident-related information related to the detected accident, an extraction part that extracts information corresponding to the answers to the above question items from the accident-related information, the contractor information, and the vehicle information, and an output part that outputs the unextracted question item if there is a question item for which the answer has not yet been extracted.SELECTED DRAWING: Figure 1

Description

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

When a vehicle accident occurs, an insurance company is in charge of hearing the situation of the accident from a car insurance policyholder and creating a form such as an accident reception slip. However, it is necessary to ask many questions to the contractor in order to grasp the situation of the accident, and it takes a lot of time to hear.

In view of the above circumstances, a system that supports hearing of the accident situation has been proposed. For example, in Patent Document 1, an information processing device that displays a guide on a mobile terminal of a user (contractor), causes the user to take a picture of an accident site, input information on an accident situation, and the like to create a document related to the accident. Is disclosed.

JP-A-2017-116998

However, the invention according to Patent Document 1 is not efficient because the user must actively input information for all the questions that need to be heard.

On one aspect, it is an object of the present invention to provide an information processing device or the like capable of suitably grasping the occurrence situation of a vehicle accident.

The information processing device according to one aspect includes a storage unit that stores policyholder information regarding an insurance policyholder, vehicle information regarding the policyholder's vehicle, and a plurality of question items related to an accident that occurs in the vehicle. , Corresponds to the answer to the question item from the detection unit that detects the occurrence of the accident, the acquisition unit that acquires the detected accident-related information related to the accident, and the accident-related information, the contractor information, and the vehicle information. It is characterized by including an extraction unit for extracting information to be processed and an output unit for outputting the unextracted question item when there is the question item for which the answer has not been extracted.

On one side, it is possible to suitably grasp the occurrence situation of a vehicle accident.

It is a schematic diagram which shows the configuration example of the accident analysis system. It is a block diagram which shows the configuration example of a server. It is explanatory drawing which shows an example of the record layout of a question table, a question sentence example DB, and a contractor DB. It is a block diagram which shows the configuration example of a terminal. It is a block diagram which shows the configuration example of an in-vehicle device. It is explanatory drawing which shows the outline of Embodiment 1. FIG. It is a flowchart which shows an example of the processing procedure executed by an accident analysis system. It is a block diagram which shows the configuration example of the server which concerns on Embodiment 2. FIG. It is explanatory drawing which shows an example of the record layout of a negligence rate DB. It is explanatory drawing which shows the outline of Embodiment 2. It is a flowchart which shows an example of the processing procedure executed by the accident analysis system which concerns on Embodiment 2. FIG. It is a functional block diagram which shows the operation of the server of the above-mentioned form.

Hereinafter, the present invention will be described in detail with reference to the drawings showing the embodiments thereof.
(Embodiment 1)
FIG. 1 is a schematic diagram showing a configuration example of an accident analysis system. In the present embodiment, an accident analysis system that analyzes the situation of an accident that has occurred in the vehicle 4 will be described. The accident analysis system includes an information processing device 1, a terminal 2, an in-vehicle device 3, and a person in charge terminal 5. Each device is communicated and connected via a network N such as the Internet.

The information processing device 1 is an information processing device capable of transmitting and receiving various types of information processing and information, and is, for example, a server computer, a personal computer, or the like. In the present embodiment, it is assumed that the information processing device 1 is a server computer, and in the following, it is read as server 1 for the sake of brevity. The server 1 is, for example, a server computer of an insurance company that provides automobile insurance, and when it detects the occurrence of an accident in the vehicle 4 of a user who is an insurance policyholder, it acquires accident-related information related to the accident. The accident-related information is data indicating the situation at the time of the accident, and preferably is the data at the time of the accident detected by the drive recorder (vehicle-mounted device 3) of the vehicle 4. The server 1 analyzes the accident-related information and extracts the data necessary for generating the form data (for example, the data of the accident reception slip) related to the accident.

In the present embodiment, the server 1 outputs a question to the user's terminal 2 when there is data that cannot be extracted from the accident-related information in completing the form. Then, the server 1 acquires the answer to the question from the terminal 2 and generates the form data together with the data extracted from the accident-related information.

In the present embodiment, the explanation will be given assuming a situation when the insurance company determines the application of insurance, but this is just an example, and the system may be applied to other uses.

The terminal 2 is an information processing terminal operated by a user, and is, for example, a terminal device such as a smartphone, a personal computer, or a tablet terminal. The server 1 outputs a question related to the accident of the vehicle 4 to the terminal 2 and accepts an input of an answer from the user.

The in-vehicle device 3 is an in-vehicle device mounted on the user's vehicle 4, for example, a drive recorder. The in-vehicle device 3 includes a camera that captures an image of the surroundings of the vehicle 4, and detects the occurrence of an accident from the captured image. When the occurrence of an accident is detected, the in-vehicle device 3 notifies the server 1 of the occurrence of the accident, and in addition to the captured image at the time of the accident, various sensors (accelerometer, lamp sensor, brake sensor, etc.) mounted on the vehicle 4. ), Various data (hereinafter, the data acquired from the vehicle-mounted device 3 is referred to as "vehicle-mounted data") is transmitted to the server 1.

The drive recorder is an example of the vehicle-mounted device 3, and for example, an ECU (Electronic Control Unit) mounted on the vehicle 4 may detect the occurrence of an accident and transmit the vehicle-mounted data to the server 1. Further, the terminal 2 may perform the same processing instead of the in-vehicle device 3.

Further, in the present embodiment, the in-vehicle device 3 detects the occurrence of an accident. For example, the server 1 sequentially acquires captured images (videos) from the in-vehicle device 3 and performs image analysis to detect the occurrence of an accident. You may. Alternatively, the server 1 may manually receive a report of the occurrence of an accident from the user via the terminal 2. As described above, the server 1 may directly or indirectly detect the occurrence of an accident, and the detecting means thereof is not particularly limited.

The person in charge terminal 5 is a terminal device operated by a person in charge of an insurance company, for example, a personal computer. The server 1 outputs the generated form data to the person in charge terminal 5.

FIG. 2 is a block diagram showing a configuration example of the server 1. The server 1 includes a control unit 11, a main storage unit 12, a communication unit 13, and an auxiliary storage unit 14.
The control unit 11 has one or more CPUs (Central Processing Units), MPUs (Micro-Processing Units), GPUs (Graphics Processing Units), and other arithmetic processing units, and stores the program P stored in the auxiliary storage unit 14. By reading and executing, various information processing, control processing, etc. are performed. The main storage unit 12 is a temporary storage area for SRAM (Static Random Access Memory), DRAM (Dynamic Random Access Memory), flash memory, etc., and temporarily stores data necessary for the control unit 11 to execute arithmetic processing. Remember. The communication unit 13 is a communication module for performing processing related to communication, and transmits / receives information to / from the outside.

The auxiliary storage unit 14 is a non-volatile storage area such as a large-capacity memory or a hard disk, and stores a program P and other data necessary for the control unit 11 to execute processing. Further, the auxiliary storage unit 14 stores the question table 141, the question sentence example DB 142, and the contractor DB 143. The question table 141 is a table used when generating form data, and is a table for storing a plurality of question items related to a vehicle accident. The question sentence example DB 142 is a database that stores sentence examples (question sentences) when asking a user a question. The policyholder DB 143 is a database that stores policyholder information regarding a user who is an insurance policyholder and vehicle information regarding a vehicle 4.

The auxiliary storage unit 14 may be an external storage device connected to the server 1. Further, the server 1 may be a multi-computer composed of a plurality of computers, or may be a virtual machine virtually constructed by software.

Further, in the present embodiment, the server 1 is not limited to the above configuration, and may include, for example, an input unit that accepts operation input, a display unit that displays an image, and the like. Further, the server 1 is provided with a reading unit that reads a portable storage medium 1a such as a CD (Compact Disk) -ROM, a DVD (Digital Versatile Disc) -ROM, and reads and executes a program P from the portable storage medium 1a. You can do it. Alternatively, the server 1 may read the program P from the semiconductor memory 1b.

FIG. 3 is an explanatory diagram showing an example of the record layout of the question table 141, the question sentence example DB 142, and the contractor DB 143.
The question table 141 includes a question ID column, a question item column, and an answer column. The question ID column stores a question ID for identifying each question item. The question item column stores question items related to the vehicle accident in association with the question ID. The answer column stores the answer to the question item in association with the question ID.

The question sentence example DB 142 includes a question ID column and a question sentence example column. The question ID column stores the question ID. The question sentence example column stores a sentence example when asking the user about the question item in association with the question ID.

The contractor DB 143 stores the contractor ID string, the contractor information string, and the vehicle information string. The contractor ID column stores a contractor ID for identifying each user who is a contractor. Each of the contractor information column and the vehicle information column stores the user (contractor) information and the user's vehicle 4 information in association with the contractor ID. The policyholder information may include basic information such as the user's name and date of birth, as well as information such as insurance contract details. Further, the vehicle information includes the ID of the vehicle-mounted device 3 which is the source of the vehicle-mounted data, in addition to the information of the vehicle 4 itself such as the vehicle classification.

FIG. 4 is a block diagram showing a configuration example of the terminal 2. The terminal 2 includes a control unit 21, a main storage unit 22, an auxiliary storage unit 23, a communication unit 24, a display unit 25, and an input unit 26.
The control unit 21 has an arithmetic processing unit such as a CPU, and performs various information processing, control processing, and the like by reading and executing a program stored in the auxiliary storage unit 23. The main storage unit 22 is a temporary storage area such as a RAM, and temporarily stores data necessary for the control unit 21 to execute arithmetic processing. The auxiliary storage unit 23 is a non-volatile storage area such as a hard disk, and stores programs and other data necessary for the control unit 21 to execute processing. The communication unit 24 is a communication module provided with a communication antenna or the like, and transmits / receives information to / from the outside. The display unit 25 is a display screen such as a liquid crystal display, and displays an image given by the control unit 21. The input unit 26 is an operation interface for a touch panel, mechanical keys, etc., and receives operation input.

FIG. 5 is a block diagram showing a configuration example of the in-vehicle device 3. The in-vehicle device 3 includes a control unit 31, a main storage unit 32, an auxiliary storage unit 33, a communication unit 34, an imaging unit 35, a GPS (Global Positioning System) receiving unit 36, and a clock unit 37.
The control unit 31 is an arithmetic processing unit such as an MPU, and controls the operation of the in-vehicle device 3. The main storage unit 32 is a temporary storage area such as a RAM, and temporarily stores data necessary for the control unit 31 to execute arithmetic processing. The auxiliary storage unit 33 is a non-volatile storage area such as a flash memory, and stores an image captured by the image pickup unit 35 by the control unit 31 and other data. The image pickup unit 35 is a camera having an image pickup element such as a CMOS (Complementary MOS) sensor, and captures an image. The GPS receiving unit 36 is a receiving module that receives GPS signals and acquires the position information of the vehicle 4. The clock unit 37 is a clock that measures the current time, and measures the time at the time of the accident.

Further, the vehicle-mounted device 3 is connected to the vehicle-mounted sensor 38 via a CAN (Controller Area Network) port or the like (not shown). The in-vehicle sensor 38 is, for example, an acceleration sensor, a lamp sensor, a brake sensor, or the like, and detects the operation of the vehicle 4.

FIG. 6 is an explanatory diagram showing an outline of the first embodiment. In FIG. 6, the accident-related information acquired from the in-vehicle device 3 or the like is analyzed to fill in the answers to each question item, and when there is a question item for which the answer cannot be extracted from the accident-related information, the user is asked a question. The situation is illustrated. An outline of the present embodiment will be described with reference to FIG.

When an accident occurs in the vehicle 4, the server 1 acquires accident-related information related to the accident. The accident-related information includes, for example, in-vehicle data such as an image captured by the in-vehicle device 3 (drive recorder), acceleration detected by the in-vehicle sensor 38, presence / absence of lamp lighting, and presence / absence of brake operation. In addition to these information, the in-vehicle data may include, for example, information on the presence / absence of operation of an airbag, AES (Automatic Emergency Steering), TCS (Traction Control System), etc., and information on turning on / off the automatic driving function.

The in-vehicle device 3 continuously images the surroundings of the vehicle 4, performs image analysis on the captured image, and detects the occurrence of an accident. In addition to image analysis, the occurrence of an accident may be detected, for example, from a change in acceleration detected by an acceleration sensor. Further, for example, a distance sensor may be used to detect a colliding object (an opponent's vehicle, a pedestrian, etc.). As described above, the means for detecting the occurrence of an accident is not particularly limited.

When the occurrence of an accident is detected, the in-vehicle device 3 notifies the server 1 of the occurrence of the accident and transmits the in-vehicle data at the time of the accident to the server 1. The in-vehicle data includes, for example, a captured image at the time of an accident and a detection result detected by the in-vehicle sensor 38 at the time of the accident. The captured image may be, for example, a still image at the time of the accident, or a moving image (for example, a moving image of several seconds to several tens of seconds before and after) including an image (frame) at the time of the accident. The data detected by the vehicle-mounted sensor 38 is a detection result relating to the operation of the vehicle 4, and includes information such as acceleration, presence / absence of lamp lighting, and presence / absence of brake operation. In addition to the above-mentioned various data, the in-vehicle device 3 transmits the position information at the time of the accident occurrence received by the GPS receiving unit 36 and the time at the time of the accident occurrence measured by the clock unit 37 to the server 1 as in-vehicle data.

In addition to acquiring in-vehicle data from the in-vehicle device 3, the server 1 also acquires environmental information regarding the external environment of the vehicle 4 at the time of an accident as accident-related information from the Web. The environmental information includes, for example, weather information at the accident site, map information, and the like. The server 1 acquires the weather information and the map information of the accident site at the time of the accident based on the position information and the time included in the in-vehicle data.

The above information is an example of accident-related information, and the present embodiment is not limited to this. For example, the server 1 may acquire images of a surveillance camera installed near the accident site, images captured by the driver of the vehicle 4, and the like as accident-related information. As described above, the accident-related information may be any data useful for analyzing the accident situation.

In addition to the accident-related information described above, the server 1 uses the contractor information and vehicle information stored in the contractor DB 143 for form generation. The policyholder information is information of a user who is an insurance policyholder, and may include basic information such as name and date of birth, as well as insurance contract details. The vehicle information includes the ID of the in-vehicle device 3 mounted on the vehicle 4 in addition to the information of the vehicle 4 itself (for example, the vehicle classification). When the in-vehicle data is acquired from the in-vehicle device 3, the server 1 reads the user's contractor information and the vehicle information associated with the ID of the in-vehicle device 3 of the acquisition source from the contractor DB 143.

The server 1 analyzes the accident-related information and extracts as much information as possible corresponding to the answers to each question item specified in the question table 141. Explaining with reference to the example of FIG. 6, for example, in the case of "occurrence date and time", the server 1 extracts the time at the time of the accident occurrence measured by the clock unit 37 of the in-vehicle device 3 as a response. Further, in the case of the "occurrence location", the server 1 extracts the address of the accident site based on the position information acquired by the GPS receiving unit 36 of the in-vehicle device 3 and the map information acquired from the external system.

Further, the server 1 analyzes the image at the time of the accident and identifies the accident type (for example, whether it is a mutual collision of vehicles or an accident resulting in injury or death) indicating the type of the accident. For example, the server 1 detects an object that has collided with the vehicle 4 from the image at the time of the accident, and identifies the accident type according to the type of the detected object. The accident type may be further subdivided by recognizing not only the collision object itself but also the movement of the collision object (for example, whether it is a right-turning vehicle or a U-turn vehicle). In addition, image analysis may be performed based on rules such as image pattern matching, or a large number of images may be analyzed using a model learned by machine learning, and specific means of image analysis are particularly specific. It doesn't matter.

Further, the server 1 extracts the vehicle classification of the user's vehicle 4 from the vehicle information. In addition, the server 1 extracts the traveling direction of the vehicle 4 with respect to the traveling lane from the captured image, the lighting state of the light and the presence / absence of the brake operation from the data detected by the in-vehicle sensor 38, and the weather at the accident site from the environmental information. The server 1 inputs each of the extracted information into the question table 141 for generating a form as an answer corresponding to each question item.

After completing the above processing, the server 1 determines whether or not there is a question item for which the information corresponding to the answer has not been extracted, that is, there is an unanswered question item. When it is determined that there is an unanswered question item, the server 1 reads the sentence example corresponding to the question item as a question sentence from the question sentence example DB 142 and outputs it to the terminal 2. The timing of outputting the question text may be immediately after the accident occurs, or may be a predetermined time after the accident occurs (for example, the next day), and is not particularly limited.

For example, the terminal 2 displays the question text in a chat format as shown in FIG. The output mode of the question is not limited to the text display, and may be output by voice, for example. Further, instead of displaying each question in a chat format, for example, the server 1 may create and display a questionnaire summarizing unanswered questions.

The terminal 2 accepts the input of the answer to the displayed question text and transmits it to the server 1. It should be noted that the answer may be input by text input or voice input as in the case of outputting the question sentence. When the input of the answer for one question sentence is accepted, the terminal 2 acquires the next question sentence from the server 1 and sequentially displays it, and accepts the input of the answer.

The server 1 sequentially outputs question sentences for each unanswered question item to the terminal 2, acquires the answer, and inputs the answer to the question table 141. As a result, the server 1 collects the answers to each question item necessary for generating the form data.

In the above, the server 1 automatically outputs the question text to the user, but the server 1 only outputs the unanswered question item to the person in charge terminal 5, and the person in charge (operator) asks the question. You may let the user do it. Further, although only the unanswered question items are output in the above, the answer may be output to the terminal 2 for the extracted question items and confirmed by the user.

The server 1 generates form data related to the accident that occurred in the vehicle 4 based on the answer extracted from the accident-related information and the answer obtained from the terminal 2. The form data is, for example, an accident reception form created when an insurance company receives an accident report from a policyholder. The server 1 generates form data based on the answers to each question item stored in the question table 141. The form data may be a document file, or may be an HTML file for displaying on the person in charge terminal 5 with a browser. The server 1 outputs the generated form data to the person in charge terminal 5.

The server 1 generates form data in which not only the answers (texts) stored in the question table 141 but also the captured image at the time of the accident acquired from the in-vehicle device 3 and the map of the accident site acquired from the external system are attached. You may. As a result, the person in charge can grasp the occurrence situation of the accident in more detail.

From the above, according to the present embodiment, the answers to each question item can be automatically collected from the accident-related information and the like, and the form data can be suitably generated while reducing the number of questions to the user.

FIG. 7 is a flowchart showing an example of a processing procedure executed by the accident analysis system. The processing contents of the accident analysis system will be described with reference to FIG. 7.
The control unit 31 of the in-vehicle device 3 determines whether or not an accident in the vehicle 4 has occurred based on the image captured by the image pickup unit 35 (step S11). When it is determined that no accident has occurred (S11: NO), the control unit 31 waits for processing. When it is determined that an accident has occurred (S11: YES), the control unit 31 transmits the vehicle-mounted data (accident-related information) detected at the time of the accident to the server 1 (step S12).

When in-vehicle data is acquired from the in-vehicle device 3, the control unit 11 of the server 1 includes the user's contractor information and vehicle information stored in the contractor DB 143, environmental information regarding the external environment of the vehicle 4 at the time of an accident, and the like. Acquire other data (step S13). The control unit 11 analyzes the vehicle-mounted data and the like, and extracts information corresponding to answers to each question item related to the accident of the vehicle 4 (step S14). The control unit 11 inputs the extracted information into the question table 141 as an answer to each question item (step S15).

When there is an unanswered question item, the control unit 11 outputs a question sentence for asking the user about the unanswered question item to the terminal 2 (step S16). The control unit 21 of the terminal 2 displays the question text output from the server 1 (step S17). The control unit 21 receives the input of the answer to the question text and transmits it to the server 1 (step S18).

When the answer is acquired from the terminal 2, the control unit 11 of the server 1 inputs the acquired answer into the question table 141 (step S19). The control unit 11 determines whether or not there is an unanswered question item (step S20). When it is determined that there is an unanswered question item (S20: YES), the control unit 11 returns the process to step S16. When it is determined that there are no unanswered question items (S20: NO), the control unit 11 generates form data and outputs it to the person in charge terminal 5 (step S21), and ends a series of processes.

When the accident-related information is analyzed and the answers to each question item are extracted as described above, the server 1 not only presents the extracted answers to the person in charge, but also combines the reliability of the analysis results. May be presented. Taking the accident type as an example, the server 1 changes the display color (display mode) of the accident type to be entered in the form data according to the reliability when the collision object is detected by the object detection process. For example, the server 1 indicates the accident type in red if it has high reliability and in blue if it has low reliability. As a result, the person in charge can grasp the reliability of the information (form) presented from the server 1.

From the above, according to the first embodiment, it is possible to suitably grasp the occurrence situation of the vehicle accident.

Further, according to the first embodiment, a form relating to a vehicle accident can be automatically created.

Further, according to the first embodiment, the answers corresponding to each question item can be suitably extracted by using the in-vehicle data detected by the in-vehicle device 3.

(Embodiment 2)
In the first embodiment, a mode for creating a form regarding a vehicle accident based on the answers to each question item has been described. In this embodiment, a mode for calculating the user's negligence rate in a vehicle accident based on the answers to each question item will be described. The contents overlapping with the first embodiment are designated by the same reference numerals and the description thereof will be omitted.

FIG. 8 is a block diagram showing a configuration example of the server 1 according to the second embodiment. The auxiliary storage unit 14 of the server 1 according to the present embodiment stores the error rate DB 144. The negligence rate DB 144 is a database that stores the number of negligence points for calculating the negligence rate according to the answer to the question item.

FIG. 9 is an explanatory diagram showing an example of the record layout of the negligence rate DB 144. The negligence rate DB 144 includes a question ID column, an answer column, and a negligence score sequence. The question ID column stores a question ID for identifying each question item. Each of the answer column and the negligence score sequence stores the answer to the question item and the negligence score according to the answer in association with the question ID.

FIG. 10 is an explanatory diagram showing an outline of the second embodiment. Similar to the first embodiment, the server 1 extracts the answers to each question item from the accident-related information and the like, and outputs the unanswered question items to the terminal 2 to acquire the answers. In the present embodiment, the server 1 refers to the error rate DB 144 and calculates the user's error rate from the answers to each question item.

As described above, the negligence rate DB 144 stores the number of negligence points according to the answers to each question item. The server 1 reads the number of negligence points corresponding to the answers to each question item from the negligence rate DB 144, and accumulates the number of negligence points. For example, if the lamp is unlit at the time of the accident, the number of negligent points is added by 10. In addition, if the player is careless ahead, 20 points will be added to the number of negligent points. On the other hand, if there is no such negligence, the number of negligence points is set to 0 points. In this way, the server 1 determines whether or not there was a mistake according to the answer to the question item, and accumulates the number of the mistake points.

The server 1 calculates the user's negligence rate according to the integrated value of the number of negligence points. The method of calculating the negligence rate from the number of negligence points is not particularly limited, but for example, the server 1 increases the negligence rate of the user in proportion to the integrated value of the number of negligence points. As a result, for example, the error ratio between the user (insurance policyholder) and the other party of the accident is calculated as a ratio such as "20:80".

The server 1 may calculate not only the user (contractor) but also the number of negligence points of the other party in the accident, and calculate the negligence rate from the ratio of the number of negligence points of both parties. Further, for example, the server 1 may determine the final negligence rate by determining the basic negligence rate according to the accident type analyzed from the captured image at the time of the accident and increasing or decreasing the rate according to the number of negligence points. .. As described above, the calculation method of the error rate is not particularly limited.

The server 1 outputs the negligence rate to the person in charge terminal 5 in addition to the form data or instead of the form data. For example, as shown in FIG. 10, the server 1 generates form data describing the negligence rate and outputs it to the person in charge terminal 5.

For example, the server 1 not only describes the error rate in the form data, but also highlights the question item and the answer corresponding to the added number of error points, that is, the part determined to be the user's error. You may. As a result, the person in charge can easily grasp at what point the user has made a mistake.

Further, for example, the server 1 may not only output the user's negligence rate, but may also output the point ratio, that is, the breakdown of the user's negligence rate, according to the number of negligence points of each question item added above. For example, in the example of FIG. 10, among the 20% of the user (contractor)'s negligence rate, the negligence due to carelessness ahead, the negligence due to the traffic light state, etc. are displayed as a percentage according to the number of negligence points. As a result, it is possible to suitably present to the person in charge at which point the user has made a mistake.

FIG. 11 is a flowchart showing an example of a processing procedure executed by the accident analysis system according to the second embodiment. When it is determined that there is no unanswered question item (S20: NO), the control unit 11 of the server 1 executes the following processing.
The control unit 11 refers to the error rate DB 144 and calculates the user's error rate based on the answers to each question item (step S201). The control unit 11 generates form data describing the calculated negligence rate and outputs it to the person in charge terminal 5 (step S202), and ends a series of processes.

In the present embodiment, the negligence rate is calculated on a rule basis, but the negligence rate may be calculated using a machine learning model in which the answer to each question item is input and the negligence rate is output.

From the above, according to the second embodiment, it is possible to evaluate the user's negligence regarding the accident that occurred in the vehicle 4.

(Embodiment 3)
FIG. 12 is a functional block diagram showing the operation of the server 1 in the above-described form. When the control unit 11 executes the program P, the server 1 operates as follows.
The storage unit 121 stores the policyholder information regarding the insurance policyholder, the vehicle information regarding the policyholder's vehicle, and a plurality of question items related to the accident occurring in the vehicle. The detection unit 122 detects the occurrence of the accident. When the accident occurs, the acquisition unit 123 acquires accident-related information related to the accident. The extraction unit 124 extracts information corresponding to the answer to the question item from the accident-related information, the contractor information, and the vehicle information. The output unit 125 outputs the unextracted question item when there is the question item for which the answer has not been extracted. The second acquisition unit 126 acquires the answer of the contractor to the unextracted question item. The generation unit 127 generates the form data regarding the accident of the vehicle based on the answer to each of the question items. The calculation unit 128 calculates the negligence rate of the contractor with reference to the number of negligence points based on the answer to each of the question items.

The third embodiment is as described above, and the other parts are the same as those of the first and second embodiments. Therefore, the corresponding parts are designated by the same reference numerals and detailed description thereof will be omitted.

The embodiments disclosed this time should be considered to be exemplary in all respects and not restrictive. The scope of the present invention is indicated by the scope of claims, not the above-mentioned meaning, and is intended to include all modifications within the meaning and scope equivalent to the scope of claims.

1 Server (information processing device)
141 Question table 142 Question sentence example DB
143 Contractor DB
144 Negligence rate DB
2 Terminal 3 In-vehicle device 4 Vehicle 5 Person in charge terminal

Claims (7)

A storage unit that stores policyholder information regarding insurance policyholders, vehicle information regarding the policyholder's vehicle, and a plurality of question items related to accidents that occur in the vehicle.
A detector that detects the occurrence of the accident and
An acquisition unit that acquires accident-related information related to the detected accident,
An extraction unit that extracts information corresponding to the answer to the question item from the accident-related information, contractor information, and vehicle information.
An information processing apparatus including an output unit that outputs the unextracted question item when there is the unextracted question item. A second acquisition unit that acquires the answer of the contractor to the unextracted question item, and
The information processing apparatus according to claim 1, further comprising a generation unit that generates form data related to the vehicle accident based on the answers to the question items. The storage unit stores the number of negligence points according to the question item and the answer.
A second acquisition unit that acquires the answer of the contractor to the unextracted question item, and
The information processing apparatus according to claim 1 or 2, further comprising a calculation unit for calculating the negligence rate of the contractor with reference to the number of negligence points based on the answer to each of the question items. The information processing device according to any one of claims 1 to 3, wherein the acquisition unit acquires environmental information regarding the external environment of the vehicle at the time of an accident from the Web. The detection unit detects the occurrence of the accident via an in-vehicle device mounted on the vehicle.
The information processing device according to any one of claims 1 to 3, wherein the acquisition unit acquires the accident-related information detected by the in-vehicle device when an accident occurs. Detecting the occurrence of an accident in the vehicle of the insurance policyholder,
Acquire the accident-related information related to the detected accident,
The contractor information regarding the contractor, the vehicle information regarding the vehicle, and a plurality of question items related to the accident occurring in the vehicle are acquired from the storage unit.
From the accident-related information, contractor information, and vehicle information, information corresponding to the answer to the question item is extracted.
An information processing method characterized in that a computer executes a process of outputting the unextracted question item when there is the question item for which the answer has not been extracted. Detecting the occurrence of an accident in the vehicle of the insurance policyholder,
Acquire the accident-related information related to the detected accident,
The contractor information regarding the contractor, the vehicle information regarding the vehicle, and a plurality of question items related to the accident occurring in the vehicle are acquired from the storage unit.
From the accident-related information, contractor information, and vehicle information, information corresponding to the answer to the question item is extracted.
A program characterized in that, when there is a question item for which the answer has not been extracted, a computer is made to execute a process of outputting the unextracted question item.

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