JP2021124866A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

To provide an information processing device that can set an appropriate insurance fee in accordance with a flood damage risk for each property location.SOLUTION: In an insurance information processing system, a system control unit of an insurance fee setting server 2 which is a kind of an information processing device has: an information acquisition unit that acquires each piece of property data on a particular area to which an external water flood depth and an internal water flood depth have been added, and specifies a combined risk category of an external water risk category and an internal water risk category; a risk category sorting unit that sorts property data into a combined risk category based on the external water flood depth and the internal water flood depth; a net rate calculation unit that simulates based on the sorted property data and a flood damage risk model to calculate a risk amount for each combined risk category, and calculate a net rate for each category based on a retained insurance amount for each category; and an insurance fee setting unit that calculates a relative net rate index for each category from the calculated net rate, classifies a net rate difference for each category by a cluster analysis, calculates the net rate difference, and sets a flood damage insurance fee for each rate category from the calculated net rate difference.SELECTED DRAWING: Figure 2

Description

The present invention relates to a technical field such as a system for calculating a flood insurance premium according to a flood risk.

Conventionally, a method of calculating a reasonable net premium to be used for insurance payment to a policyholder out of the premium income of an insurance company has been proposed. For example, in the technology disclosed in Patent Document 1, the insurer finally calculates the integrated risk distribution based on the period structure and product structure of the loss ratio and the probability of occurrence for each risk factor of fire, earthquake, and flood disaster. The net premium is calculated in consideration of the risk tolerance corresponding to the risk-adjusted profit rate of. In this way, by collateralizing all risk factors in an integrated manner rather than individual risk factors, it is possible to reasonably reduce net insurance premiums.

Japanese Unexamined Patent Publication No. 2002-373259

By the way, the net insurance premium rate for flood disasters is uniform nationwide for each structural class, but for example, it is unfair to policyholders that the insurance premiums for houses along the river and those on high ground are the same. There's a problem. Such a problem cannot be solved by the technique disclosed in Patent Document 1.

Therefore, the present invention has been made in view of the above points, and provides an information processing device, an information processing method, and an information processing program capable of setting an appropriate insurance premium according to the flood risk for each property location. Providing is one of the issues.

In order to solve the above problems, the invention according to claim 1 has property data including location information of each of a plurality of properties existing in a specific area, and inundation depth assumed by flooding in the area including the specific area. By collating the inundation depth data indicating the above, the property data acquisition means for acquiring the property data to which the inundation depth is given for each property and the property data to which the inundation depth is given can be obtained from each of the inundation depths. A distribution means for allocating to any of the risk categories classified into a plurality of risk categories according to the above, a calculation means for calculating the net insurance premium rate for each risk category based on the distribution result by the distribution means, and a calculation means. It is characterized by including a setting means for setting a plurality of insurance premiums based on the net insurance premium rate calculated for each risk category. As a result, it is possible to set an appropriate insurance premium according to the flood risk for each property location.

The invention according to claim 2 is the information processing apparatus according to claim 1, wherein the calculation means calculates a risk amount for each risk category by executing a simulation using a preset flood risk model. Then, the net insurance premium rate is calculated for each risk category based on the calculated amount of risk and the amount of insurance held for each risk category. As a result, it is possible to set a more appropriate premium by using an appropriate net premium rate according to the amount of risk.

The invention according to claim 3 is the information processing apparatus according to claim 1 or 2, wherein the setting means calculates a difference in the net insurance premium rate from the other risk categories for each risk category. By classifying the difference in net insurance rates by cluster analysis, the difference in the net insurance rates for each of a plurality of rate categories smaller than the risk category is obtained, and the plurality of net insurance rates are obtained based on the difference in the net insurance rates for each rate category. It is characterized by setting insurance premiums classified into. As a result, it is possible to set a more appropriate insurance premium by using the difference in the net insurance premium rate for each rate category.

The invention according to claim 4 is the information processing apparatus according to any one of claims 1 to 3, wherein the property data acquisition means indicates an outside water inundation depth assumed by outside water inundation in the area. By collating the outside water inundation depth data, the inland water inundation depth data indicating the inland water inundation depth assumed due to the inland water inundation in the area, and the property data, the outside water in each property is collated. The property data to which the inundation depth and the inland water inundation depth are given are acquired, and the distribution means obtains the property data to which the outside water inundation depth and the inland water inundation depth are given according to the inundation depth. The calculation is performed by allocating to one of the risk categories related to a plurality of combinations of the external water risk category divided into a plurality of the external water risk categories and the inland water risk category divided into a plurality of categories according to the inundation depth. The means calculates the net premium rate for each risk category related to the combination based on the distribution result by the sorting means, and the setting means calculates the net premium rate calculated for each risk category related to the combination. It is characterized in that the premiums are divided into a plurality of categories based on the above. As a result, it is possible to set more appropriate insurance premiums from the two viewpoints of outside water risk and inland water risk.

The invention according to claim 5 comprises an input means for inputting the location information of the insured property designated by the insurance applicant in the information processing apparatus according to any one of claims 1 to 4. Of the insurance premiums set by the setting means, the insurance premium acquisition means for acquiring the insurance premium corresponding to the location information input by the input means and the insurance acquired by the insurance premium acquisition means. It is characterized by further providing a presentation means for presenting the fee to the insurance applicant. As a result, it is possible to inform the insurance applicant of an appropriate premium with less unfairness.

The invention according to claim 6 corresponds to the location information input by the input means when presenting the insurance premium to the insurance applicant in the information processing apparatus according to claim 5. It is characterized in that information regarding the inundation depth is presented to the insurance applicant. As a result, it is possible to inform the insurance applicant of the appropriate insurance premium and at the same time to correctly grasp the flood risk at the property location of the insurance applicant.

The invention according to claim 7 is the information processing apparatus according to claim 6, wherein the presenting means is a location input by the input means among a plurality of external water risk categories classified according to the inundation depth. The information of the outside water risk category corresponding to the information and the information of the inland water risk category corresponding to the location information input by the input means among the inland water risk categories divided into a plurality according to the inundation depth. It is characterized in that information regarding the inundation depth including the above is presented to the insurance applicant. As a result, it is possible to inform more appropriate insurance premiums from the two viewpoints of outside water risk and inland water risk.

The invention according to claim 8 is the information processing apparatus according to any one of claims 1 to 7, wherein the location information is the latitude and longitude of the property.

The invention according to claim 9 is an input means for inputting the location information of the insured property designated by the insurance applicant, and the input means among a plurality of insurance premiums classified according to the risk of flood disaster. It is characterized by including an insurance premium acquisition means for acquiring an insurance premium corresponding to the location information input by the above, and a presentation means for presenting the insurance premium specified by the insurance premium acquisition means to the insurance applicant. .. As a result, it is possible to inform the insurance applicant of an appropriate premium with less unfairness.

The invention according to claim 10 is an information processing method executed by one or more computers, in which property data including location information of each of a plurality of properties existing in a specific area and an area including the specific area. By collating with the inundation depth data indicating the inundation depth assumed due to the inundation, the step of acquiring the property data to which the inundation depth is given for each of the properties and the property data to which the inundation depth is given can be obtained. , The net insurance premium rate is calculated for each risk category based on the distribution step for allocating to any of the risk categories divided into a plurality of risk categories according to the inundation depth and the distribution result by the distribution step. It is characterized by including a step and a step of setting a plurality of insurance premiums based on the net insurance premium rate calculated for each risk category.

The invention according to claim 11 uses a computer to provide property data including location information of each of a plurality of properties existing in a specific area and inundation depth data indicating an inundation depth expected due to flooding in the area including the specific area. By collating with each other, the property data acquisition means for acquiring the property data to which the inundation depth is given for each property and the property data to which the inundation depth is given are divided into a plurality of each according to the inundation depth. A distribution means for allocating to any of the classified risk categories, a calculation means for calculating the net insurance premium rate for each risk category based on the distribution result by the distribution means, and each risk category. It is characterized by functioning as a setting means for setting a plurality of premiums based on the calculated net premium rate.

According to the present invention, it is possible to set an appropriate insurance premium according to the flood risk for each property location.

It is a figure which shows the outline composition example of the insurance premium calculation system S. (A) is a block diagram showing an outline configuration example of the insurance premium setting server 2, and (B) is a diagram showing an example of a functional block in the system control unit 23. It is a figure which shows an example of the outside water risk category and the inland water risk category. (A) is a block diagram showing an outline configuration example of the insurance contract processing server 3, and (B) is a diagram showing an example of a functional block in the system control unit 33. It is a flowchart which shows an example of the processing of the system control unit 23 at the time of setting operation of a flood insurance premium. (A) is a diagram showing the net rate calculated for each combination risk category in a matrix, and (B) is a diagram showing the relative net rate index calculated for each combination risk category in a matrix. Yes, (C) is a diagram showing the net rate difference calculated for each combination risk category in a matrix. It is a conceptual diagram which shows the state when the net rate difference r ^ _{ij is obtained from the insured amount n ij} and the relative net rate index r _ij by the Minimum Bias method. It is a conceptual diagram which shows the state when the net rate difference for each combination risk category is classified by cluster analysis, and the net rate difference is calculated for each rate category. (A) is a flowchart showing an example of processing of the system control unit 33 at the time of the flood disaster insurance premium presentation operation, and (B) shows an example of the processing of the system control unit 23 at the time of the flood disaster insurance premium presentation operation. It is a flowchart.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The following embodiments are embodiments when the present invention is applied to the insurance information processing system S. In the insurance information processing system S according to the present embodiment, the insurance information processing system S is mainly classified into a plurality of types according to the flood risk for each property location (property location) by using the inundation depth data indicating the inundation depth assumed due to flooding. The operation of setting insurance premiums (hereinafter referred to as "flood disaster insurance premiums") and the flood insurance premiums, etc. according to the flood risk of the property location of the insurance applicant (contractor) when applying for insurance related to flood disasters The operation to be presented to the applicant is performed. Here, the flood risk includes at least one of the outside water risk and the inland water risk. The outside water risk means the outside water inundation depth assumed by the outside water flooding. On the other hand, the inland waters risk means the inland waters inundation depth assumed by the inland waters inundation.

[1. Configuration and function of insurance information processing system S]
First, the configuration and function of the insurance information processing system S according to the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing a schematic configuration example of the insurance information processing system S. As shown in FIG. 1, the insurance information processing system S includes an insurance application terminal 1, an insurance premium setting server 2, an insurance contract processing server 3, and the like. The insurance application terminal 1, the insurance premium setting server 2, and the insurance contract processing server 3 are each connected to the network NW. The network NW is composed of, for example, the Internet, a mobile communication network, a wireless base station thereof, and the like. In the example of FIG. 1, one insurance application terminal 1 is shown, but there are actually a plurality of insurance application terminals 1. Further, the insurance premium setting server 2 and the insurance contract processing server 3 may be configured by one server.

[1-1. Configuration and function of insurance application terminal 1]

The insurance application terminal 1 is a terminal for presenting a flood disaster insurance premium or the like to an insurance applicant when applying for insurance related to a flood disaster. The user (operator) of the insurance application terminal 1 is an insurance applicant or an insurance solicitor. An insurer is a staff member of an insurance company (or its agent) who recommends face-to-face insurance applications to insurance applicants. An application (dedicated application), a web browser, or the like for accessing the insurance contract processing server 3 via the network NW and performing an insurance application procedure related to a flood disaster is installed in the insurance application terminal 1. The insurance application terminal 1 can be applied to, for example, a personal computer, a smartphone, a tablet, etc., and has, for example, an input function for accepting operations with a human finger or a pen, and a display function for displaying information on an insurance application screen or the like. A touch panel is provided.

[1-2. Configuration and function of insurance premium setting server 2]
The insurance premium setting server 2 is a server for setting flood disaster insurance premiums, and is composed of one or a plurality of computers. FIG. 2A is a block diagram showing an outline configuration example of the insurance premium setting server 2. As shown in FIG. 2A, the insurance premium setting server 2 includes a communication unit 21, a storage unit 22, a system control unit 23, and the like. The communication unit 21 has a function of connecting to the network NW and performing communication. The storage unit 22 is composed of, for example, a hard disk drive or the like, and stores an operating system, a server program (including the information processing program of the present invention), and the like. The server program may be downloaded from a predetermined server to the insurance premium setting server 2, or may be read from a recording medium such as a CD or DVD and stored in the storage unit 22.

In the storage unit 22, a property database 221, an inundation depth database 222, a risk classification database 223, a flood disaster insurance premium database 224, and the like are constructed. In addition, these databases may be built in the database server separated from the insurance premium setting server 2. The property database 221 stores property data including location information of each of a plurality of properties existing in a specific area (for example, a region of the whole of Japan or a region of a prefecture). Here, the property data is, for example, data held by an insurance company, and the property shown in the property data is, for example, an insured building (contractor's residence, etc.). The location information is, for example, the postal code or address of the property location, or the latitude and longitude of the property location. The property data may include the structure of the property. Examples of the structure of the property include a condominium structure (M structure), a fireproof structure (T structure), and a non-fireproof structure (H structure).

The inundation depth database 222 stores inundation depth data indicating the inundation depth assumed by flooding in the area including the specific area. Here, the inundation depth data is, for example, data in which the inundation depth is associated with the latitude and longitude of each point in the area. The inundation depth data includes external inundation depth data showing the inundation depth expected due to external inundation in the area including the above specific area, and inland inundation depth expected due to inland inundation in the area. Includes both or one of the inundation depth data. Inundation depth data is obtained from, for example, inundation estimation area data or flood hazard maps created by the Ministry of Land, Infrastructure, Transport and Tourism, and inland inundation depth data is obtained from low-level zone data created by, for example, the Ministry of Land, Infrastructure, Transport and Tourism. To be acquired.

The risk classification database 223 stores risk classification data indicating a plurality of risk classifications according to the inundation depth. Here, the risk classification data includes external water risk classification data indicating a plurality of external water risk classifications according to the inundation depth (inland water inundation depth) and a plurality of external water risk classification data according to the inundation depth (internal water inundation depth). Includes both or one of the inland waters risk classification data indicating the inland waters risk classification classified in. FIG. 3 is a diagram showing an example of an external water risk category and an internal water risk category. In the example of FIG. 3, the outside water risk classification and the inland water risk classification are each divided into five levels (1) to (5). For example, the inundation depth of 0 m corresponds to the external water risk category (1) and the inland water risk category (1), and the inundation depth of more than 0 m and less than 0.5 m corresponds to the external water risk category (2) and the inland water risk category (2). Is applicable, and the inundation depth of 0.5 m or more and less than 2.0 m corresponds to the external water risk category (3) and the inland water risk category (3), and the external water risk category (4) and the inland water risk category (4). The inundation depth of 2.0 m or more and less than 5.0 m corresponds, and the inundation depth of 5 m or more corresponds to the external water risk category (5) and the inland water risk category (5).

It should be noted that such a division is not limited to 5 divisions, and may be 2 to 4 divisions or 6 or more divisions. In the example of FIG. 3, both inland water and outside water have the same criteria (for example, inundation depth 0.5 m on the floor, inundation depth 2.0 m to the eaves on the first floor of the building, and inundation depth 5.0 m on the second floor of the building. Classification is set (that is, the range of inundation depth is set) by flooding to the bottom of the eaves and flooding of the roof on the second floor or more at an inundation depth of 5.0 m or more, but it is not limited to this, and internal water and outside The classification may be set according to a standard different from that of water. In the example of FIG. 3, the risk categories (hereinafter referred to as “combination risk categories”) relating to a plurality of combinations of the outside water risk categories (1) to (5) and the inland water risk categories (1) to (5) are 25. It becomes a division.

The flood insurance premium database 224 stores a plurality of different flood insurance premiums set according to the flood risk for each property location. Here, the flood insurance premium is a business insurance premium that the insurance applicant should pay every predetermined period (for example, every month) after the contract is concluded by applying for the insurance related to the flood disaster. The operating insurance premiums are the net insurance premiums that are used to pay the insurance claims to the insurance applicants out of the insurance premium income of the insurance company, and the additional insurance that is used for the expenses necessary for the insurance company to operate the insurance business. It consists of a fee. In this embodiment, among the flood insurance premiums, the method of calculating the net insurance premium is particularly characteristic, so the description of the method of calculating the additional insurance premium and the additional insurance premium rate will be omitted.

The system control unit 23 includes a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), and the like, and executes a server program and the like on the operating system. FIG. 2B is a diagram showing an example of a functional block in the system control unit 23. As shown in FIG. 2B, the system control unit 23 functions as an information acquisition unit 231, a risk classification distribution unit 232, a net rate calculation unit 233, an insurance premium setting unit 234, etc. by executing a server program or the like. do. Here, the information acquisition unit 231 is an example of the property data acquisition means in the present invention. The risk classification distribution unit 232 is an example of the distribution means in the present invention. The pure rate calculation unit 233 is an example of the calculation means in the present invention. The insurance premium setting unit 234 is an example of the setting means in the present invention.

The information acquisition unit 231 acquires property data including location information of each of a plurality of properties existing in a specific area from the property database 221 and shows inundation depth data indicating the inundation depth expected due to flooding in the area including the specific area. Is obtained from the inundation depth database 222. The acquired inundation depth data is either or both of the external inundation depth data and the inland inundation depth data. Then, the information acquisition unit 231 collates the property data of each of the plurality of properties with the inundation depth data (for example, collates by latitude and longitude) to obtain the property data to which the inundation depth is given for each property. get.

The risk classification distribution unit 232 distributes each of the property data to which the inundation depth has been assigned by the information acquisition unit 231 to one of the risk categories indicated by the above risk classification data based on the inundation depth. .. In other words, for each property data, the property data is associated with the risk category to which the assigned inundation depth corresponds. Here, when the property data to which the outside water inundation depth and the inland water inundation depth are given is used, the risk classification distribution unit 232 sets each of the property data to which the outside water inundation depth and the inland water inundation depth are given as described above. Allocate to any combination risk category (for example, any one of 25 categories) among the plurality of combination risk categories. This makes it possible to set more appropriate flood disaster insurance premiums from the two perspectives of outside water risk and inland water risk. For example, in the case of property data with an outside water inundation depth of 2.2 m and an inland water inundation depth of 0.6 m, in the example of FIG. 3, the property data is the outside water risk category (4) and the inland water risk category (3). It will be distributed to the combination risk category with.

The net rate calculation unit 233 calculates the net insurance premium rate (hereinafter referred to as “net rate”) for each risk category based on the distribution result by the risk classification distribution unit 232. For example, the net rate calculation unit 233 calculates the amount of risk for each risk category by executing a simulation using a preset flood risk model. This makes it possible to set more appropriate flood insurance premiums using an appropriate net rate according to the amount of risk. Here, in the flood risk model, for example, a function representing a probability distribution such as the number of flood disaster occurrences and the damage ratio in a predetermined period is set, and information related to property data assigned to risk categories (for example, insurance coverage, By inputting the number of properties, structure of properties, etc. into the flood risk model, the amount of risk can be obtained as the output value.

The predetermined period is a period (for example, the number of years) that is the target of the simulation, and a period of, for example, 10,000 years, 50,000 years, or 100,000 years can be set. Then, the net rate calculation unit 233 calculates the net rate for each risk category based on the amount of risk for each risk category and the amount of insurance held for each risk category. Here, the insurance amount held means, for example, the total value of the insurance amounts of all the valid contracts of the insurance company at an arbitrary time. When the risk classification distribution unit 232 distributes to the combination risk classification, the net rate is calculated for each combination risk classification based on the distribution result. In addition, the net rate may be calculated for each risk category and property structure (for example, M structure, T structure, H structure).

The insurance premium setting unit 234 sets a plurality of flood disaster insurance premiums based on the net rate calculated for each risk category by the net rate calculation unit 233. For example, the insurance premium rate is calculated by adding the additional insurance premium rate to the net rate, and the flood disaster insurance premium is calculated (set) by multiplying the insurance premium rate by the insurance amount. Here, the insurance amount is the maximum amount of insurance money paid by the insurance company in the event of an insurance accident.

When the net rate is calculated for each combination risk category by the net rate calculation unit 233, a plurality of flood disaster insurance premiums are set based on the net rate calculated for each combination risk category. However, from the viewpoint of ease of handling and reliability of flood insurance premiums, it is desirable to set flood insurance premiums for each of a smaller number of categories than the combination risk categories by aggregating the combination risk categories. In this case, the insurance premium setting unit 234 calculates the difference in net rate from other combination risk categories (hereinafter referred to as “net rate difference”) for each combination risk category, and classifies the net rate difference by cluster analysis. Therefore, it is advisable to obtain the net rate difference for each of a plurality of rate categories, which is smaller than the combined risk category, and set the flood insurance premium for each rate category based on the net rate difference for each rate category. As a result, it is possible to set a more appropriate flood disaster insurance premium by using the net rate difference for each rate category. The net rate difference may be classified by calculation by a statistical method other than cluster analysis.

[1-3. Configuration and functions of insurance contract processing server 3]
The insurance contract processing server 3 is a server that exchanges information with the insurance application terminal 1 via the network NW when applying for insurance related to a flood disaster, and is composed of one or a plurality of computers. FIG. 4A is a block diagram showing an outline configuration example of the insurance contract processing server 3. As shown in FIG. 4A, the insurance contract processing server 3 includes a communication unit 31, a storage unit 32, a system control unit 33, and the like. The communication unit 31 has a function of connecting to the network NW and performing communication. The storage unit 32 is composed of, for example, a hard disk drive or the like, and stores an operating system, a server program (including the information processing program of the present invention), and the like. The server program may be downloaded from a predetermined server to the insurance contract processing server 3, or may be read from a recording medium such as a CD or DVD and stored in the storage unit 32.

The system control unit 33 includes a CPU, ROM, RAM, and the like, and executes a server program and the like on the operating system. FIG. 4B is a diagram showing an example of a functional block in the system control unit 33. As shown in FIG. 4B, the system control unit 33 functions as an information input unit 331, an insurance information acquisition unit 332, an insurance information presentation unit 333, and the like by executing a server program or the like. Here, the information input unit 331 is an example of the input means in the present invention. The insurance information acquisition unit 332 is an example of the insurance premium acquisition means in the present invention. The insurance information presentation unit 333 is an example of the presentation means in the present invention.

The information input unit 331 inputs (receives) the location information of the insured property designated by the insurance applicant on the insurance application terminal 1 from the insurance application terminal 1 via the network NW. The insurance information acquisition unit 332 has location information (for example, latitude and longitude) input by the information input unit 331 among the flood disaster insurance premiums set by the insurance premium setting unit 234 of the insurance premium setting server 2. Obtain the flood disaster insurance premium corresponding to the above from the insurance premium setting server 2. At this time, the insurance information acquisition unit 332 provides information (hereinafter, referred to as “flood disaster risk information”) regarding the flood disaster risk (that is, inundation depth) corresponding to the location information input by the information input unit 331 from the insurance premium setting server 2. You should get it.

The insurance information presentation unit 333 transmits the insurance information including the water accident insurance premium acquired by the insurance information acquisition unit 332 to the insurance application terminal 1 via the network NW and displays it on the insurance application screen, thereby displaying the water accident insurance premium. Present insurance information including the above to the insurance applicant. As a result, it is possible to inform the insurance applicant of an appropriate flood disaster insurance premium with less unfairness. Further, when the flood disaster insurance premium is presented to the insurance applicant, the flood disaster risk information acquired by the insurance information acquisition unit 332 may be presented to the insurance applicant. As a result, it is possible to notify the insurance applicant of the appropriate flood disaster insurance premium and at the same time to correctly grasp the flood disaster risk at the property location of the insurance applicant. In this case, the insurance information presentation unit 333 will transmit the insurance information including the flood disaster premium and the flood disaster risk information to the insurance application terminal 1.

The flood risk information includes information on the outside water risk category corresponding to the location information input by the information input unit 331 among the plurality of outside water risk categories, and information input unit 331 among the plurality of inland water risk categories. Information on the inland waters risk category corresponding to the entered location information should be included. Here, the information on the external water risk category may be the level of the external water risk category (any of (1) to (5) in the example of FIG. 3), or the inundation depth corresponding to the external water risk category. It may be. In addition, the information on the inland waters risk category may be the level of the inland waters risk category (any of (1) to (5) in the example of FIG. 3), or the inundation depth corresponding to the inland waters risk category. There may be.

[2. Operation of insurance information processing system S]
Next, the operation of the insurance information processing system S according to the present embodiment will be described. In the operation described below, both the outside water inundation depth data and the inland water inundation depth data shall be used.

[2-1. Flood insurance premium setting operation]
First, an example of the operation of setting the flood disaster insurance premium by the insurance premium setting server 2 will be described with reference to FIG. 5 and the like. FIG. 5 is a flowchart showing an example of processing of the system control unit 23 at the time of setting operation of the flood insurance premium.

The process shown in FIG. 5 is started according to, for example, an instruction from the manager of the insurance company. When the process shown in FIG. 5 is started, the system control unit 23 (information acquisition unit 231) includes the location information of each of the plurality of properties existing in the specific area (here, the address of the property location). Data is acquired from the property database 221 (step S1). Each property data acquired in this way is stored in a predetermined area of the RAM in the system control unit 23. Next, the system control unit 23 (information acquisition unit 231) converts the address of the property included in each property data acquired in step S1 into latitude and longitude (step S2).

Next, the system control unit 23 (information acquisition unit 231) acquires the outside water inundation depth data and the inland water inundation depth data from the inundation depth database 222 (step S3). The external water inundation depth data and the internal water inundation depth data acquired in this way are stored in a predetermined area of the RAM in the system control unit 23. Next, the system control unit 23 (information acquisition unit 231) receives each property data in which the address of the property is converted into latitude and longitude in step S2, and the external water inundation depth data and the inland waters inundation depth data acquired in step S3. By collating with and, the data of each property to which the outside water inundation depth and the inland water inundation depth are given is acquired (step S4).

Next, the system control unit 23 (information acquisition unit 231) acquires the outside water risk classification data and the inland water risk classification data from the risk classification database 223 (step S5). Next, the system control unit 23 (information acquisition unit 231) determines the combined risk classification of the external water risk classification and the inland water risk classification based on the external water risk classification data and the inland water risk classification data acquired in step S5. Specify a plurality (step S6).

Next, the system control unit 23 (risk classification distribution unit 232) uses each of the property data acquired in step S4 as a plurality of property data specified in step S6 based on the outside water inundation depth and the inland water inundation depth. Allocate to any combination risk category among the combination risk categories (step S7). Next, the system control unit 23 (net rate calculation unit 233) executes a simulation using the property data and the flood risk model assigned to each combination risk category in step S7, thereby performing a predetermined period (simulation) for each combination risk category. The amount of risk for the period subject to (step S8) is calculated (step S8).

Next, the system control unit 23 (net rate calculation unit 233) determines the combination risk classification based on the risk amount for a predetermined period for each combination risk classification calculated in step S8 and the insurance amount held for each combination risk classification. The net rate is calculated for each (step S9). For example, a unit period (for example, by dividing the value calculated by dividing the risk amount for a predetermined period by the insurance amount held (= risk amount for a predetermined period / insurance amount held) by the above predetermined period. The net rate per month or year) is calculated for each combination risk category. FIG. 6A is a diagram showing the net rate calculated for each combination risk category in a matrix. In FIG. 6 (A), the values in some fields are omitted (denoted as [xxxx]) (the same applies to FIGS. 6 (B) and 6 (C)). As shown in FIG. 6A, the net rate is higher in the combination risk category in which the external water risk and the inland water risk are large (that is, the inundation depth is large). The total shown in FIG. 6A is the overall net rate obtained by weighted averaging the net rates of all combination risk categories (for example, weighted average with the amount of insurance held as a weight).

Next, the system control unit 23 (insurance premium setting unit 234) divides the net rate for each combination risk category calculated in step S9 by the total net rate to obtain a relative net rate index for each combination risk category. (= Net rate of combination risk category / net rate of the whole) is calculated (step S10). FIG. 6B is a diagram showing the relative net ratio index calculated for each combination risk category in a matrix. Each relative net rate index is a percentage of the total net rate (0.100 in the example of FIG. 6B) for the net rate of the combination risk category.

Next, the system control unit 23 (insurance premium setting unit 234) calculates the net rate difference from other combination risk categories for each combination risk category (that is, calculates the net rate difference between the combination risk categories) (step S11). ). FIG. 6C is a diagram showing the net rate difference calculated for each combination risk category in a matrix. The net rate difference for each combination risk category may be calculated by the Minimum Bias method using the amount of insurance held for each combination risk category and the relative net rate index for each combination risk category. However, the net rate difference for each combination risk category may be calculated by a method other than the Minimum Bias method. The Minimum Bias method is a method for finding the _{rate coefficients x ^ i} and y ^ _j by solving the following simultaneous equations.

Here, n _ij is the amount of insurance held in each combination risk category, and r _ij is the relative net rate index of each combination risk category. r ^ _ij is the net rate difference of each combination risk category, and is calculated as r ^ _ij = x ^ _i + y ^ _{j in the additive type and r ^ ij} = x ^ _i × y ^ _j in the multiplication type. FIG. 7 is a conceptual diagram showing a state when the net rate difference r ^ _{ij is obtained from the insurance amount held n ij} and the relative net rate index r _ij by the Minimum Bias method.

It is considered that there is a certain correlation between the outside water risk category and the inland water risk category (for example, at a low altitude point, the outside water risk and the inland water risk are higher than at a high altitude point). Correlation should be excluded. According to the Minimum Bias method, if there is a correlation between risk categories, the correlation can be excluded. As a method for excluding the correlation between the combination risk categories, the GLM method may be used in addition to the calculation by the Minimum Bias method, or a method other than these methods may be used.

Next, the system control unit 23 (insurance premium setting unit 234) classifies the net rate difference for each combination risk category calculated in step S11 by cluster analysis (step S12). Next, the system control unit 23 (insurance premium setting unit 234) weighted and averages the net rate difference classified in step S12 by the amount of insurance held in each combination risk category for each rate category, thereby increasing the net rate difference for each rate category. (That is, the net rate difference between the rate categories is calculated) (step S13).

FIG. 8 is a conceptual diagram showing a state in which the net rate difference for each combination risk category is classified by cluster analysis and the net rate difference is calculated for each rate category. In FIG. 8, as in FIG. 6C, the values in some fields are omitted (denoted as [xxxx]). In the example of FIG. 8, the net rate difference of the combination risk category of 25 categories is classified into 4 rate categories (category A to D) (that is, classified by 3 different thresholds), and the net rate difference is classified for each rate category. Is calculated. For example, rate category A includes a net rate range of seven combination risk categories (A1 to A7), as shown in FIG. The rate category is not limited to 4 categories, and may be 2 to 3 categories or 5 or more categories. However, as the number of rate categories increases, the flood insurance premiums for the edge rate categories will increase, so it is desirable to set the rate categories to about 4 categories.

Next, the system control unit 23 (insurance premium setting unit 234) calculates the net rate for each rate category by multiplying the net rate difference for each rate category calculated in step S13 by the net rate for each rate category nationwide. (Step S14). The nationwide net rate is set in advance. For example, the reference net rate calculated by the General Insurance Rating Organization of Japan is corrected (“Insurance company's product compensation content” and “Reference net rate are prerequisites”. This is the net rate after correcting the difference in "compensation details". Next, the system control unit 23 (insurance premium setting unit 234) calculates the insurance premium rate by adding the additional insurance premium rate to the net rate for each rate category calculated in step S14, and multiplies the insurance premium rate by the insurance amount. The flood insurance premium is set for each rate category (step S15).

The flood insurance premiums set for each rate category in this way are associated with each rate category and stored in the flood insurance premium database 22. At this time, it is preferable that each rate category is associated with the combination risk category (that is, the combination risk category belonging to each rate category) that is the basis of each rate category and stored in the flood insurance premium database 22. For example, the rate category A is associated with seven combination risk categories (A1 to A7). Further, the inundation depth data may be associated with a rate classification or a flood insurance premium for the latitude and longitude of each point.

When the net rate is calculated for each property structure (for example, M structure, T structure, H structure), the property data is acquired separately for each property structure in step S1, and for each property structure. The processing of steps S2 to S15 is executed using the property data acquired in.

[2-2. Flood insurance premium presentation operation]
Next, with reference to FIG. 9, the operation of presenting the flood disaster insurance premium by the insurance contract processing server 3 will be described. FIG. 9A is a flowchart showing an example of processing of the system control unit 33 during the flood disaster insurance premium presentation operation, and FIG. 9B is a processing of the system control unit 23 during the flood disaster insurance premium presentation operation. It is a flowchart which shows an example. The operation of presenting the flood insurance premium is to inform the insurance applicant of an appropriate flood disaster insurance premium with less unfairness, and to solve the problem of correctly grasping the flood risk at the property location of the insurance applicant. It is the operation of.

The process shown in FIG. 9A is started, for example, when there is a request from the insurance application terminal 1 that has accessed the insurance contract processing server 3. When the process shown in FIG. 9A is started, the system control unit 33 of the insurance contract processing server 3 applies the display data for displaying the insurance application screen via the communication unit 31 and the network NW. It is transmitted to the terminal 1 (step S21). As a result, the insurance application screen is displayed on the insurance application terminal 1.

When the insurance application terminal 1 accesses the insurance contract processing server 3 with a browser, the display data is a structured document (for example, HTML (Hyper Text Markup Language) document or XHTML document) constituting the web page of the insurance application screen. Etc.) Data. On the other hand, when the insurance application terminal 1 accesses the insurance contract processing server 3 by a dedicated application, the display data is text data or the like to be displayed on the insurance application screen stored in advance in the insurance application terminal 1.

When the property to be insured is specified by the insurance applicant on the insurance application screen displayed in this way, the location information of the property is transmitted from the insurance application terminal 1 to the insurance contract processing server 3 via the network NW. The property may be specified by entering the address in the address input field provided on the insurance application screen, or the location (latitude and latitude) on the map displayed on the insurance application screen. It may be specified by selecting (corresponding to longitude). Alternatively, the property may be specified by inputting the property name in the property name input field provided on the insurance application screen. In this case, the address is searched from the property name.

The system control unit 33 (information input unit 331) inputs the location information (address of the property location or latitude and longitude of the property location) received from the insurance application terminal 1 through the communication unit 31 (step S22). Next, the system control unit 33 (insurance information acquisition unit 332) transmits a request including the location information input in step S22 to the insurance premium setting server 2 via the communication unit 31 and the network NW (step S23).

On the other hand, when the system control unit 23 of the insurance premium setting server 2 receives the request including the location information from the insurance contract processing server 3, the system control unit 23 starts the process shown in FIG. 9B. When the process shown in FIG. 9B is started, the system control unit 23 acquires the outside water inundation depth data and the inland water inundation depth data from the inundation depth database 222 (step S31). Next, the system control unit 23 acquires the outside water risk classification data and the inland water risk classification data from the risk classification database 223 (step S32).

Next, the system control unit 23 refers to the external water inundation depth data and the inland waters inundation depth data acquired in step S31, and refers to the property location specified by the location information (for example, latitude and longitude) included in the request. The outside water inundation depth and the inland water inundation depth are specified (step S33). When the location information is an address, it is preferable that the outside water inundation depth and the inland water inundation depth associated with the latitude and longitude are specified after the address is converted into latitude and longitude.

Next, the system control unit 23 refers to the external water risk classification data and the internal water risk classification data acquired in step S32, and refers to the external water risk classification to which the external water inundation depth specified in step S33 corresponds, and the step. The inland water inundation depth specified in S33 is specified as the corresponding inland water risk category (step S34). Next, the system control unit 23 specifies the combination risk classification related to the combination of the outside water risk classification and the inland water risk classification specified in step S34 (step S35).

Next, the system control unit 23 acquires the flood insurance premium of the rate category (that is, the rate category to which the combination risk category belongs) associated with the combination risk category specified in step S35 from the flood insurance premium database 224 (step). S36). Next, the system control unit 23 acquires flood risk information including information on the external water risk category and the inland water risk category specified in step S34 (step S37). Next, the system control unit 23 uses the insurance information including the flood disaster insurance premium acquired in step S36 and the flood disaster risk information acquired in step S37 as insurance information corresponding to the location information included in the request, as the communication unit. It is transmitted to the insurance contract processing server 3 via 21 and the network NW (step S38).

When the system control unit 33 (insurance information acquisition unit 332) of the insurance contract processing server 3 receives (acquires) insurance information corresponding to the location information from the insurance premium setting server 2 (step S24), the system control unit 33 (insurance information) The presentation unit 333) transmits the acquired insurance information to the insurance application terminal 1 via the communication unit 31 and the network NW (step S25). As a result, the flood insurance premium and the flood risk information corresponding to the location information are displayed on the insurance application screen of the insurance application terminal 1 and presented to the insurance applicant. By allowing the insurance contract processing server 3 to directly access the databases 222 to 224, the insurance contract processing server 3 may execute the process shown in FIG. 9B.

As described above, according to the above embodiment, the insurance premium setting server 2 is assumed to be due to property data including location information of each of a plurality of properties existing in a specific area and flooding in the area including the specific area. By collating with the inundation depth data indicating the inundation depth, the property data to which the inundation depth is given is acquired for each property, and each of the property data to which the inundation depth is given is divided into a plurality of properties according to the inundation depth. Divided into one of the risk categories, the net rate is calculated for each risk category based on the distribution result, and the flood insurance is divided into multiple categories based on the net rate calculated for each risk category. Since it is configured to set the fee, it is possible to set an appropriate flood insurance premium according to the flood risk for each property location. That is, since the flood insurance premium can be subdivided according to the flood risk, it is possible to eliminate the unfair feeling of the flood insurance premium burden by the insurance applicant.

Further, according to the above embodiment, the insurance contract processing server 3 inputs the location information of the insured property designated by the insurance applicant, and is divided into a plurality of flood disasters according to the flood disaster risk. Of the insurance premiums, the water disaster insurance premiums corresponding to the location information entered above are acquired and presented to the insurance applicant, so the appropriate flood disaster insurance premiums with less unfairness to the insurance applicants can be provided. It can inform and promote the establishment of insurance contracts. Further, the insurance contract processing server 3 is configured to present the flood disaster risk information corresponding to the above-mentioned input location information to the insurance applicant when presenting the flood disaster insurance premium to the insurance applicant. At the same time as notifying the appropriate flood disaster insurance premium, it is possible to correctly grasp the flood disaster risk at the property location of the insurance applicant. In other words, the insurance company can inform the insurance applicant of the flood risk through the insurance procedure, and also inform the flood insurance premium commensurate with the flood risk, and can further promote disaster prevention measures.

Although one embodiment of the present invention has been described above, the present invention is not limited to the above embodiment, and various configurations and the like are modified from the above embodiment without departing from the gist of the present invention. Also, it is included in the technical scope of the present invention. In the above embodiment, the present invention is applied when setting the flood insurance premium, but the present invention can be applied to the disaster insurance premium other than the flood insurance premium. For example, in the above embodiment, in addition to the flood risk (or instead of the flood risk), the insurance premium is set according to at least one of the landslide risk and the high tide risk of the hazard map, and the insurance applicant. It is also possible to obtain the disaster insurance premium corresponding to the location information entered by and present it to the insurance applicant. For example, in the case of landslide risk, "inundation depth" should be read as "risk level (or sediment accumulation amount)", and "inundation depth data indicating inundation depth expected due to flooding" should be read as "risk level expected due to landslide". It shall be read as "risk level data shown". On the other hand, in the case of storm surge risk, "inundation depth data indicating the estimated inundation depth due to flooding" shall be read as "inundation depth data indicating the estimated inundation depth due to storm surge".

1 Insurance application terminal 2 Insurance premium setting server 3 Insurance contract processing server 21 Communication unit 22 Storage unit 23 System control unit 231 Information acquisition unit 232 Risk classification distribution unit 233 Net rate calculation unit 234 Insurance premium setting unit 31 Communication unit 32 Storage unit 33 System control unit 331 Information input unit 332 Insurance information acquisition unit 333 Insurance information presentation unit S Insurance information processing system NW network

Claims (11)

By collating the property data including the location information of each of the plurality of properties existing in the specific area with the inundation depth data indicating the inundation depth expected due to flooding in the area including the specific area, the above-mentioned property is described for each property. Property data acquisition means to acquire property data with inundation depth, and
A distribution means for allocating each of the property data to which the inundation depth is given to one of the risk categories divided into a plurality of risk categories according to the inundation depth, and
A calculation means for calculating the net insurance premium rate for each risk category based on the distribution result by the distribution means, and
A setting means for setting a plurality of insurance premiums based on the net insurance premium rate calculated for each risk category, and
An information processing device characterized by being equipped with. The calculation means calculates the risk amount for each risk category by executing a simulation using a preset flood risk model, and is based on the calculated risk amount and the insurance amount held for each risk category. The information processing apparatus according to claim 1, wherein the net insurance premium rate is calculated for each risk category. The setting means calculates the difference in the net insurance premium rate from the other risk categories for each risk category, and classifies the difference in the net insurance premium rate by cluster analysis, so that a plurality of rates smaller than the risk category are used. The invention according to claim 1 or 2, wherein the difference in the net insurance rates for each category is obtained, and the insurance premiums divided into a plurality of categories are set based on the difference in the net insurance rates for each category. Information processing device. The property data acquisition means includes external water inundation depth data indicating the external water inundation depth expected due to external water inundation in the area and inland water inundation depth indicating the inland water inundation depth expected due to inland water inundation in the area. By collating each of the data with the property data, the property data to which the outside water inundation depth and the inland water inundation depth are given to each of the properties can be acquired.
The sorting means divides each of the property data to which the outside water inundation depth and the inland water inundation depth are given into a plurality of external water risk categories according to the inundation depth and according to the inundation depth. Allocate to one of the risk categories related to a plurality of combinations with the inland water risk category divided into a plurality of categories.
The calculation means calculates the net insurance premium rate for each of the risk categories related to the combination based on the distribution result by the distribution means.
The setting means according to any one of claims 1 to 3, wherein the setting means sets a plurality of insurance premiums based on the net insurance premium rate calculated for each risk category related to the combination. Information processing equipment. An input means for inputting the location information of the insured property specified by the insurance applicant, and
Among the insurance premiums set by the setting means, the insurance premium acquisition means for acquiring the insurance premium corresponding to the location information input by the input means, and the insurance premium acquisition means.
Presenting means for presenting the insurance premium acquired by the insurance premium acquisition means to the insurance applicant, and
The information processing apparatus according to any one of claims 1 to 4, further comprising. The presenting means is characterized in that when presenting the insurance premium to the insurance applicant, information regarding the inundation depth corresponding to the location information input by the input means is presented to the insurance applicant. Item 5. The information processing apparatus according to item 5. The presenting means includes information on the external water risk category corresponding to the location information input by the input means among the external water risk categories classified into a plurality of external water risk categories according to the inundation depth, and a plurality of external water risk categories according to the inundation depth. It is characterized in that information on the inundation depth including the information of the inland water risk category corresponding to the location information input by the input means among the inland waters risk categories classified in is presented to the insurance applicant. The information processing apparatus according to claim 6. The information processing device according to any one of claims 1 to 7, wherein the location information is the latitude and longitude of the property. An input means for inputting the location information of the insured property specified by the insurance applicant, and
Of the insurance premiums classified into multiple categories according to the flood risk, the insurance premium acquisition means for acquiring the insurance premium corresponding to the location information input by the above input means, and the insurance premium acquisition means.
Presenting means for presenting the insurance premium specified by the insurance premium acquisition means to the insurance applicant, and
An information processing device characterized by being equipped with. An information processing method executed by one or more computers.
By collating the property data including the location information of each of the plurality of properties existing in the specific area with the inundation depth data indicating the inundation depth expected due to flooding in the area including the specific area, the above-mentioned property is described for each property. Steps to acquire property data with inundation depth and
A distribution step of allocating each of the property data to which the inundation depth is given to one of the risk categories divided into a plurality of risk categories according to the inundation depth, and
A step of calculating the net insurance premium rate for each risk category based on the distribution result of the distribution step, and
Steps to set multiple premiums based on the net premium rate calculated for each risk category, and
An information processing method characterized by including. Computer,
By collating the property data including the location information of each of the plurality of properties existing in the specific area with the inundation depth data indicating the inundation depth expected due to flooding in the area including the specific area, the above-mentioned property is described for each property. Property data acquisition means to acquire property data with inundation depth, and
A distribution means for allocating each of the property data to which the inundation depth is given to one of the risk categories divided into a plurality of risk categories according to the inundation depth, and
A calculation means for calculating the net insurance premium rate for each risk category based on the distribution result by the distribution means, and
An information processing program characterized in that it functions as a setting means for setting a plurality of insurance premiums based on the net insurance premium rate calculated for each risk category.

Images