JP5203179B2 - Insurance premium assessment method and insurance premium assessment device - Google Patents

Description

  The present invention relates to an insurance premium assessment method, an insurance premium assessment system, an information processing apparatus, and a terminal, and more specifically, to a technology that enables an insurance premium assessment based on a travel history reflecting an actual accident occurrence rate. .

  In recent years, services that customize insurance contents according to each contractor, such as changing the rate of automobile insurance according to the mileage of a car and the attributes of a driver, have become common. For example, a technique has been proposed in which the insurance rate is changed according to how each driver drives and how the driver responds to warnings thereafter.

As such a technique, for example, a first acquisition step of acquiring at least one of driving information of a vehicle driver and position information of the vehicle, and a driving acquired by the first acquisition step Based on at least one of information and position information, a driving response prediction step for predicting a driving response recommended for the driver, and the driver based on information on the driving response predicted by the driving response prediction step An alerting step for alerting the driver, a second acquiring step for acquiring driving information of the driver after the driver is alerted by the alerting step, and the second acquiring step A comparison process comparing the driving information acquired by the driving response prediction process with the information related to the driving response predicted by the driving response prediction process. It was based on the results, such as premium setting method characterized by including a premium setting step of setting the premium of the driver (see Patent Document 1) has been proposed.
JP 2003-281375 A

  The conventional method for assessing insurance premiums from the mileage of a car, the attributes of the driver and their driving conditions, did not reflect the insurance premium assessment in consideration of the safety of the road on which the car traveled. . Even if the driver attributes are reflected in the insurance premium assessment, the causal relationship with the occurrence of an accident that is directly linked to the insurance payment is not clear. Therefore, in the case of the conventional technology, the actual accident rate and the assessment result (insurance premium) may not be good, and the insurance premium is not in line with the actual situation from the viewpoint of reducing the premium for safe driving vehicles. There was also a problem that occurred.

  Therefore, the present invention has been made in view of the above problems, and a main object of the present invention is to provide a technology that enables an insurance premium assessment based on a travel history reflecting an actual accident occurrence rate.

The insurance premium assessment method of the present invention that solves the above problem is an insurance premium assessment method performed by an information processing apparatus including a computing means and a storage means, wherein the computing means determines the travel position of the vehicle of the policyholder. Based on the stored travel history data and the accident information accumulation table stored in the storage means and storing the position information of the accident occurrence point, it is detected that the vehicle has passed the accident occurrence position, and the vehicle has passed. Based on the accident occurrence position, the severity of the corresponding accident included in the accident information accumulation table, and the accident type point table in which points according to the severity of the accident are set, the passage of the accident occurrence position in the vehicle Points are set, the accident location where the vehicle has passed, the weather at the time of the corresponding accident included in the accident information accumulation table, and the position corresponding to the weather at the time of traveling of the vehicle. On the basis of the weather conditions point table set the correction coefficient of cement, the corrected point set, the assess premiums vehicle of the policyholder based on the corrected points, characterized in that.

Note that the calculation means of the information processing apparatus may add up the points set and corrected for each passage and evaluate the insurance premium based on the added points.

Further, the calculation means of the information processing device sets the accident occurrence position through which the vehicle has passed, the occurrence time of the accident included in the accident information accumulation table, and the correction coefficient of the point according to the travel time of the vehicle. The points may be corrected based on the time zone point table, and the insurance premium of the insurance policyholder's vehicle may be assessed based on the points corrected according to the weather and time.

In addition, the insurance premium assessment device of the present invention sets the accident information accumulation table storing the location information of the accident occurrence point, the severity of the accident and the weather at the time of the accident, and points according to the severity of the accident Storage means for storing the accident type point table, the weather condition point table in which the correction coefficient of the point according to the weather at the time of driving of the vehicle is set, and the travel history data storing the travel position of the vehicle of the policyholder And a process of detecting that the vehicle has passed the accident occurrence position based on the position information of the accident occurrence point in the accident information accumulation table, the accident occurrence position through which the vehicle has passed, and the accident information accumulation table Processing for setting points regarding the passage of the accident occurrence position in the vehicle based on the severity of the corresponding accident included in the vehicle and the accident type point table A process for correcting the set point based on the accident occurrence position through which the vehicle has passed, the weather at the time of the corresponding accident included in the accident information accumulation table, and the weather condition point table; And calculating means for executing a process for assessing the insurance premium of the vehicle of the policyholder based on the points.

  In addition, the problems disclosed by the present application and the solutions thereof will be clarified by the embodiments of the present invention and the drawings.

  According to the present invention, an insurance premium can be assessed based on a travel history reflecting an actual accident occurrence rate.

--- System configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a network configuration diagram of an insurance premium assessment system 10 of the present embodiment. An insurance premium assessment system 10 shown in FIG. 1 is a computer system that enables an insurance premium assessment based on a travel history reflecting an actual accident occurrence rate.

  In this embodiment, the information processing apparatus 100 included in the insurance premium assessment system 10 is a premium assessment computer operated by an insurance company, and combines server devices via a LAN or the like according to necessary processing functions. It can be assumed that it is configured by a server group (in FIG. 1, only one computer apparatus is shown as the information processing apparatus 100).

  In addition, the information processing apparatus 100 is connected to the in-vehicle terminal 200 (terminal) installed in the insurance contractor's vehicle or the data transmission terminal 300 and the like that obtains travel route history data from the in-vehicle terminal 200, the Internet, and the mobile communication network. Are connected by a network 140. The in-vehicle terminal 200 can be imagined as an example of a car navigation device that includes a GPS device and performs route guidance. In the in-vehicle terminal 200 that is a car navigation device, it can be assumed that the history data of the travel route is accumulated in a portable storage medium 50 (for example, a USB memory) connected through an interface, for example.

  Further, as the data transmission terminal 300, for example, a personal computer or a portable terminal used by the policyholder can be assumed, and the data transmission terminal 300 can perform data communication with the information processing apparatus 100 through an Internet line, for example. is there. In addition, the data transmission terminal 300 includes an interface for the portable storage medium of the in-vehicle terminal 200, and was stored in the portable storage medium 50 when the portable storage medium 50 was connected to this interface. The travel route history data is acquired and stored in its own storage means.

  The information processing apparatus 100 constituting the insurance premium assessment system 10 (hereinafter referred to as the system 10) in this embodiment has a program 102 stored in a non-volatile storage means 101 such as a hard disk drive so as to have a function for realizing the present invention. The data is read out to the RAM 103 and executed by the CPU 104 which is an arithmetic device. The information processing apparatus 100 may include an input interface 105 such as various keyboards and buttons generally provided in a computer apparatus, and an output interface 106 such as a display. Moreover, it has the communication means 107 which bears data exchange between the said vehicle-mounted terminal 200 thru | or the data transmission terminal 300.

  Next, description will be made regarding functional units that are configured and held in the storage unit 101 by the information processing apparatus 100 configuring the system 10 based on, for example, the program 102. The information processing apparatus 100 stores, in the storage means, a travel history table 125, an accident information accumulation table 126, an evaluation information table 127, an insurance fee table 128 (including the address of each insurance policyholder's terminal on the network), an accident type. A point table 129, a safe driving rank table 130, a time zone point table 131, and a weather condition point table 132 are stored (each table will be described later).

  The information processing apparatus 100 receives the history data of the travel route of the policyholder vehicle from the in-vehicle terminal 200 or the data transmission terminal 300, which is another terminal, via the communication means 107, and the travel history table 125 of the storage means 101. And the location information on the map indicated by the history data is collated with the accident information storage table 126, and the data of the accident occurrence point included in the route traveled by the vehicle of the policyholder is stored in the accident site passage information. And passing passage location specifying means 110 that is stored in the evaluation information table 127 of the storage means 101 in association with the policyholder.

  The information processing apparatus 100 reads the accident site passage information of each policyholder from the evaluation information table 127 of the storage means 101, counts the accident site passage frequency for each policyholder, and the accident site passage frequency is a predetermined standard. There is provided insurance premium reduction means 111 that identifies policyholders that are less than or equal to the value and reduces the insurance premium of the corresponding policyholder in the insurance premium table 128 by a predetermined value.

  The insurance fee reduction unit 111 of the information processing apparatus 100 reads the accident site passage information of each policyholder from the evaluation information table 127 of the storage unit 101 and counts the accident site passage frequency for each policyholder. The insurance travel reduction table 130 may be collated to identify the insurance premium reduction value for each policyholder, and the insurance premium of the corresponding policyholder in the insurance premium table 128 may be reduced by the insurance premium reduction value.

  Further, the passage location specifying means 110 of the information processing apparatus receives the history data of the travel route of the policyholder vehicle from the in-vehicle terminal 200 or the data transmission terminal 300 which is another terminal via the communication means 107, and this The location information on the map indicated by the history data is collated with the accident information accumulation table 126, and the accident occurrence point included in the route traveled by the policyholder's vehicle and the severity data of the corresponding accident are passed through the accident site. It may be specified as information and stored in the evaluation information table 127 of the storage means 101 in association with the policyholder.

  In addition, the insurance fee reduction unit 111 of the information processing apparatus 100 reads the accident site passage information of each policyholder from the evaluation information table 127 of the storage unit 101, and the severity data included in each accident site passage information is the above-described data. Collate with the accident type point table 129 to identify the point value, add the point value for each policyholder and collate with the safe driving rank table 130, identify the premium reduction value for each policyholder, The insurance premium of the corresponding policyholder in the insurance premium table 128 may be reduced by the insurance premium reduction value.

  Further, the passage location specifying means 110 of the information processing apparatus 100 receives the history data of the travel route of the insurance contractor vehicle from the in-vehicle terminal 200 or the data transmission terminal 300 which is another terminal via the communication means 107, The location information on the map indicated by the history data is collated with the accident information accumulation table 126, the accident occurrence point included in the route traveled by the policyholder's vehicle, the severity of the accident, and the time of occurrence of the accident. May be specified as accident site passage information and stored in the evaluation information table 127 of the storage means 101 in association with the policyholder.

  The insurance fee reduction unit 111 of the information processing apparatus 100 reads the accident site passage information of each policyholder from the evaluation information table 127 of the storage unit 101, and sets the severity included in each accident site passage information as the accident type. The point value is identified by collating with the point table 129, and the time data at the time of occurrence of the accident included in the accident site passage information that is the origin of the point value is collated with the time zone point table 131 to identify the extra coefficient. The point value is multiplied by the premium coefficient and summed for each policyholder, and the summed value is collated with the safe driving rank table 130 to specify a premium reduction value for each policyholder, and the premium table The insurance premium of the corresponding policyholder in 128 may be reduced by the premium reduction value.

  Further, the passage location specifying means 110 of the information processing apparatus 100 receives the history data of the travel route of the insurance contractor vehicle from the in-vehicle terminal 200 or the data transmission terminal 300 which is another terminal via the communication means 107, The location information on the map indicated by the history data is collated with the accident information accumulation table 126, the accident occurrence point included in the route traveled by the policyholder's vehicle, the severity of the accident, and the time of occurrence of the accident. The weather data may be specified as accident scene passage information and stored in the evaluation information table 127 of the storage means 101 in association with the insurance contractor.

  The insurance fee reduction unit 111 of the information processing apparatus 100 reads the accident site passage information of each policyholder from the evaluation information table 127 of the storage unit 101, and sets the severity included in each accident site passage information as the accident type. The point value is identified by collating with the point table 129, and the weather data at the time of the accident included in the accident site passage information that is the origin of the point value is collated with the weather condition point table 132 to identify the extra coefficient. The point value is multiplied by the premium coefficient and summed for each policyholder, and the summed value is collated with the safe driving rank table 130 to specify a premium reduction value for each policyholder, and the premium table The insurance premium of the corresponding policyholder in 128 may be reduced by the premium reduction value.

  In addition, the information processing apparatus 100 reads the accident site passage information of the corresponding policyholder from the evaluation information table 127 of the storage unit 101 using the policyholder information as a key, and the accident occurrence point included in the accident site passage information is included. An accident information transmission unit 112 may be provided that transmits the location information to the address of the in-vehicle terminal 200 or the data transmission terminal 300 that is the terminal of the corresponding policyholder by the communication unit 107.

  Next, an in-vehicle terminal 200 (terminal) that configures the system 10 together with the information processing apparatus 100 will be described. This in-vehicle terminal 200 can be imagined as an example of a car navigation device that includes a GPS device 220 and performs route guidance. Further, in the in-vehicle terminal 200 as the car navigation device, it can be assumed that the history data of the travel route is accumulated in a portable storage medium 50 (for example, a USB memory) connected through the interface 215, for example.

  Such an in-vehicle terminal 200 reads out the program 202 stored in the non-volatile storage means 201 to the RAM 203 so as to have a function for realizing the present invention, and executes it by the CPU 204 as an arithmetic unit. The in-vehicle terminal 200 may include an input interface 205 such as various keyboards and buttons generally provided in a computer device, and an output interface 206 such as a display. In addition, a communication unit 207 for exchanging data with the information processing apparatus 100 is provided. Alternatively, when the communication unit 207 is not provided, the data transmission terminal 300 can perform the transmission processing of the travel route history data to the information processing apparatus 100. In this case, the “terminal” in the present invention is the data transmission terminal 300. Or you may assume the set of the vehicle-mounted terminal 200 and the data transmission terminal 300 as the "terminal" of this invention.

  When the in-vehicle terminal 200 is a car navigation device, it naturally has functions of normal route search and route guidance in conjunction with the GPS device 220.

  Next, the functional units that the in-vehicle terminal 200 configures and holds in the storage unit 201 based on the program 202 will be described. The in-vehicle terminal 200 stores the history accumulation table 225, the map data 226, and the policyholder ID 227 in the storage means 201 or the portable storage medium 50 (for example of the data structure of the history accumulation table 225). Later).

  The vehicle-mounted terminal 200 receives the position information of the driving route and the information of the policyholder obtained from the GPS device 220 during a predetermined period (e.g., during the policy period, for example, from the start to the end of the policy). A history transmission unit 210 that transmits the history data of the travel route to the information processing apparatus 100 by the communication unit 207 is provided. The GPS device 220 is a device that collects the current latitude and longitude (hereinafter referred to as position information) of the policyholder's vehicle from a GPS satellite via a GPS antenna (not shown). Further, the history transmission unit 210 acquires time data from the clock function 221 provided in the in-vehicle terminal 200, for example, records the time data in the history accumulation table 225, and acquires position information at the time from the GPS device 220. And recorded in the history accumulation table 225 in association with the time.

  The in-vehicle terminal 200 receives the position information of the accident occurrence point in the route on which the policyholder vehicle has traveled in the past from the information processing apparatus 100 by the communication means 207, and on the map data read from the storage means 101. Accident information display means 211 is provided for setting information on the location of the accident at the corresponding position and displaying it on the output interface 206.

  Next, the data transmission terminal 300 that configures the system 10 together with the information processing apparatus 100 and the like will be described. The data transmission terminal 300 can be assumed to be, for example, a personal computer or a portable terminal used by the policyholder, and the data transmission terminal 300 can perform data communication with the information processing apparatus 100 through an Internet line, for example. The data transmission terminal 300 includes an interface 315 for the portable storage medium of the in-vehicle terminal 200. When the portable storage medium 50 is connected to the interface 315, the data transmission terminal 300 is stored in the portable storage medium 50. The historical data of the travel route that has been obtained is acquired and stored in its own storage means 301. The data transmission terminal 300 may include a history transmission unit 210 and an accident information display unit 211 included in the in-vehicle terminal 200 as functional units configured and held in the storage unit 301 based on the program 302, for example. Note that the data transmission terminal 300 stores the history accumulation table 225 held by the in-vehicle terminal 200 in the storage unit 301.

  The connection form between the data transmission terminal 300 and the in-vehicle terminal 200 may be via a portable storage medium as described above, or may be a wired connection or a wireless connection. Of course, the data transmission terminal 300 may be integrated with the in-vehicle terminal 200.

  The units 110 to 112, 210 to 211, etc. in each device constituting the system 10 described so far may be realized as hardware, or in an appropriate storage device such as a memory or a HDD (Hard Disk Drive). It may be realized as a stored program. In this case, the CPU of each device reads the corresponding program from the storage device into the RAM in accordance with the execution of the program, and executes it.

--- Example of table structure ---
Next, an example of a table used by the system 10 of this embodiment will be described. FIG. 2 is a diagram illustrating each configuration example of (a) a travel history table 125, (b) an accident information accumulation table 126, and (c) an evaluation information table 127 in the present embodiment.

  The travel history table 125 is a table for storing the history data of the travel route of the policyholder vehicle. For example, the contract number of the policyholder (insurance policyholder information), name, contract vehicle type, history serial number, It is an aggregate of records in which the passage date and time, the passage point latitude, and the passage point longitude are associated with each other in the travel route.

  The accident information accumulation table 126 is a table that stores position information of the accident occurrence point on the map, the severity of the accident, the time when the accident occurred, and the weather when the accident occurred. The accident information accumulation table 126 includes, for example, an accident serial number, a contract number of an insurance policyholder involved in the accident, a name, an accident point address, an accident point latitude and an accident point longitude, an insurance payment amount and a burden ratio, an accident type ( Severity information), the time at the time of the accident, and data such as weather are associated with each other. Note that it is assumed that the information processing apparatus 100 obtains the information by accessing a predetermined server provided in the insurance company, reading the examination information at the time of insurance payment, and extracting the corresponding data item from the examination information. it can. Further, it can be assumed that the information processing apparatus 100 obtains weather data periodically by accessing, for example, a server of a weather prediction agency via the Internet and sets the weather data in the accident information accumulation table 126. . Examples of the weather data can include, for example, precipitation, weather, and visibility.

  As for the weather data in the accident information accumulation table 126, the weather data in which the position information of each section (area of a predetermined area divided by latitude and longitude) on the map is associated with the weather data in the section. A dedicated table may be provided in the storage unit 101. In this case, the information processing apparatus 100 collates the information on the accident point latitude and longitude in the accident information accumulation table 126 with the position information of the section in the table dedicated to the weather data, and acquires the weather data in the corresponding section. It will be.

  The evaluation information table 127 is a table in which data on an accident occurrence point included in a route traveled by a policyholder's vehicle is specified as accident scene passage information and stored in association with the policyholder. The evaluation information table 127 includes, for example, the contract number and name of the corresponding policyholder, the accident number on the travel route indicating the serial number of the accident occurrence point identified in the travel route of the corresponding policyholder, the latitude and longitude of the accident location. Is a set of records in which data such as a passing point latitude and a passing point longitude, an accident type (severity) of the corresponding accident, and a point value are associated with each other.

  FIG. 3 is a diagram showing each configuration example of (a) insurance premium table 128, (b) accident type point table 129, and (c) safe driving rank table 130 in the present embodiment.

  The insurance premium table 128 is a table storing insurance premium data for each policyholder. For example, the insurance policyholder's contract number, name, insurance premium, and each policyholder's terminal (on-vehicle terminal) on the network 200 or data transmission terminal 300) is an aggregate of records associated with data.

  The accident type point table 129 is a table in which point values are set according to the severity of the accident. For example, a set of records in which data such as accident type (severity), accident name, and point value are associated with each other. It is a body.

  The safe driving rank table 130 is a table that stores premium reduction values according to the level of accident scene passing frequency (the sum of the point values for each policyholder). For example, the point range, the point Safe driving rank according to the range, insurance premium reduction value (discount rate in the figure) corresponding to the safe driving rank, personal compensation, objective compensation, passenger injury, self-injury accident, uninsured vehicle failure, vehicle, It is a collection of records associated with data such as personal injury compensation.

  FIG. 4 is a diagram showing each configuration example of (a) time zone point table 131, (b) weather condition point table 132, and (c) history accumulation table 225 in the present embodiment.

  The time zone point table 131 is a table in which an extra coefficient of the point value according to the travel time of the policyholder's vehicle is set. For example, the time zone, the time included in the time zone, the point in the time zone It is a collection of records associated with data such as a value extra coefficient.

  The weather condition point table 132 is a table in which an extra coefficient of the point value is set according to the weather when the insurance contractor's vehicle travels. For example, a record in which the weather condition and the point value are associated with each other It is an aggregate of aggregates.

  In addition, the history accumulation table 225 is a table that stores the position information of the travel route obtained from the GPS device 220 provided in the vehicle of the policyholder to be installed in the in-vehicle terminal 200. For example, in the travel route It is a collection of records in which data such as passage date / time, passage point latitude, and passage point longitude are associated.

--- Processing flow example 1 ---
Hereinafter, the actual procedure of the insurance premium assessment method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the insurance premium assessment method described below are realized by a program that is read out and executed in the RAM of each device constituting the system 10. And this program is comprised from the code | cord | chord for performing the various operation | movement demonstrated below.

  FIG. 5 is a diagram showing a processing flow example 1 of the insurance premium assessment method of the present embodiment. Here, the history transmission means 210 of the in-vehicle terminal 200 acquires the position information of the travel route from the GPS device 220 during a predetermined period (eg, during the insurance contract period, for example, from the start date of the insurance contract to the expiration date). For example, it is stored in the history accumulation table 225 in the USB memory 50 connected via the interface 215 (s100).

  The arrival of the date and time when the predetermined period ends (for example, stored in the storage unit 201 in advance) is detected by the clock function 221, and the data in the history accumulation table 225 of the USB memory 50 is transmitted to the data transmission terminal 300 by the communication unit 207. (S101). Alternatively, when the in-vehicle terminal 200 detects the expiration date of the insurance contract period, the output interface 206 outputs information to that effect (eg, message output, LED emission, beep sound reproduction, etc.) It may be assumed that the policyholder who has recognized the above information takes out the USB memory 50 from the interface 215 and sets it in the interface 315 of the data transmission terminal 300.

  On the other hand, when the data transmission terminal 300 receives data of the history accumulation table 225 from the in-vehicle terminal 200 via the communication unit 307 or when the portable storage medium 50 is connected to the interface 315, Data of the history accumulation table 225 (travel route history data) stored in the portable storage medium 50 is acquired and stored in its own storage means 301 (s102).

  In addition, the data transmission terminal 300 receives information on the policyholder (eg, contract number. For example, the input interface 305 accepts designation from the policyholder, or inquires the information processing apparatus 100 with the policyholder attribute information as a key. Then, the data of the history accumulation table 225 is transmitted to the information processing apparatus 100 by the communication means 307 as the history data of the travel route (s103). Of course, the process of step s103 may be executed by the history transmission unit 210 in the in-vehicle terminal 200 having the communication unit 207.

  On the other hand, the passage location specifying means 110 of the information processing apparatus 100 receives and stores the history data of the travel route of the policyholder vehicle from the data transmission terminal 300 (or the in-vehicle terminal 200) via the communication means 107. The data is stored in the travel history table 125 of the means 101 (s104).

  Further, the passing site specifying means 110 uses the location information on the map indicated by the history data, that is, the data on the latitude / longitude of the passing point, as the data on the latitude / longitude of the accident point in each record of the accident information accumulation table 126. And the record in which the data of the latitude / longitude of the passing point and the data of the latitude / longitude of the accident point are identified (s105).

  The passage location specifying means 110 determines the accident occurrence point from the record of the accident information accumulation table 126 specified here (= record corresponding to the accident occurrence point included in the route traveled by the policyholder's vehicle). Data on the severity of accidents that occurred in the past, the time when the accident occurred, and the weather data when the accident occurred are extracted and specified as accident site passage information (s106). Further, the passing scene specifying unit 110 stores the accident site passing information in the evaluation information table 127 of the storage unit 101 in association with the contract number of the insurance contractor (s107).

  Subsequently, the insurance fee reduction unit 111 of the information processing apparatus 100 reads the accident site passage information of each policyholder from the evaluation information table 127 of the storage unit 101 and counts the accident site passage frequency for each policyholder. First, the severity included in each accident scene passage information is collated with the accident type point table 129, and the point value of each accident scene passage information is specified (s108).

  Further, the insurance premium reducing means 111 extracts the time data at the time of the accident from the accident scene passage information that is the origin of the point value specified in the step s108, and collates it with the time zone point table 131. Then, an additional coefficient (for time) is specified (s109). Similarly, the weather data at the time of the accident is extracted from the accident site passage information that is the origin of the point value, and this is collated with the weather condition point table 132 to specify the extra coefficient (weather part). (S110).

  Next, the insurance premium reduction means 111 multiplies the point value of each accident scene passage information identified in step s108 by the additional coefficient (time and weather) identified for the accident scene passage information. Summing up the information on the accident site passage information of the contractor (s111). For example, in step s108, it is assumed that the severity “1” included in the accident site passage information is collated with the accident type point table 129 and the point value is specified as “5”. In step s109, the time data “09:15” at the time of the occurrence of the accident is collated with the time zone point table 131 to identify the additional coefficient (time) as “1.2”, and in step s110. Assume that the weather data “sunny weather” at the time of the accident is collated with the weather condition point table 132 and the extra coefficient (weather part) is specified as “0.8”. In this case, “5 × 1.2 × 0.8” = “4.8” is the point value related to the accident scene passage information.

  Then, the insurance premium reduction means 111 collates this sum value (= frequency of passing the accident site of the corresponding policyholder) with the safe driving rank table 130 and specifies the premium reduction value for each policyholder (= accident) A corresponding policyholder whose on-site passing frequency is within a predetermined point range in the safe driving rank table 130 which is the predetermined reference value is specified, and the insurance premium reduction value of the policyholder can also be specified (s112). ). The insurance premium reduction means 111 that has specified the insurance premium reduction value in the step s112 reduces the insurance premium of the corresponding policyholder in the insurance premium table 128 by the insurance premium reduction value (s113). The insurance premium reduction means 111 applies, for example, the insurance premium reduction value “10%” discount to the initial insurance premium “21000 yen” of the policyholder with the contract number “3456” and sets a new insurance premium “18900”. "Yen" is calculated.

  In addition, the accident information transmission unit 112 of the information processing apparatus 100 reads the accident policy passage information of the corresponding policyholder from the evaluation information table 127 of the storage unit 101 using the policyholder information (contract number) as a key, and The address of the in-vehicle terminal 200 or the data transmission terminal 300 of the corresponding policyholder is read from the insurance fee table 128 using the contract number as a key, and the location information of the accident occurrence point included in the read accident scene passage information is used as the corresponding insurance contract. Is transmitted by the communication means 107 to the address of the in-vehicle terminal 200 or the data transmission terminal 300 which is the user's terminal (s114).

  On the other hand, the accident information display means 211 of the in-vehicle terminal 200 or the data transmission terminal 300 receives, from the information processing apparatus 100, the position information of the accident occurrence point in the route on which the policyholder vehicle has traveled in the past. The information on the location of the accident (eg, a flag, message or icon indicating that an accident has occurred in the past) is stored in the corresponding position (corresponding position of the latitude and longitude of the accident location) on the map data read from the storage means 101. Or stored in the storage unit 301 in advance, and displayed on the output interface 206 or the output interface 306 (see screen 700 in FIG. 7) (s115).

--- Processing flow example 2 ---
Next, a detailed example of the processing of steps s105 to s111 in the processing flow example 1 will be described. FIG. 6 is a diagram showing a processing flow example 2 of the insurance premium assessment method of the present embodiment. In this case, the passage location specifying means 110 of the information processing apparatus 100 first rounds the passing point longitude / latitude rounded in units of 10 minutes for the record of the history serial number “1” among the records of the travel history table 125 (s200). ). In addition, the passage location specifying means 110 similarly rounds the accident point longitude / accident point latitude to 10 minutes in the accident information accumulation table 126 (s201).

  Next, the passage location specifying means 110, for the passing point latitude / passing point longitude of the record of the travel history table 125 (history serial number “1”), the accident point latitude / accident of each record of the accident information accumulation table 126. A search process is performed to determine whether there is a match with the point longitude (s202).

  As a result of the search process, hits are found in the records of the travel history table 125 whose passing point latitude / passing point longitude is the same as the accident point latitude / accident point longitude in each record of the accident information storage table 126. If not (s202: N), the passage location specifying means 110 executes the processing of steps s200 to s202 for the record of the history serial number “2” among the records of the travel history table 125.

  In addition, the passage location specifying means 110 may find a record including the accident point latitude / accident point longitude identical to the passage point latitude / passage longitude indicated by the record of the history serial number “1” in the accident information accumulation table 126. In the case (s202: Y), the passage location specifying means 110 is configured to record all the information from the record indicating the accident point latitude / accident point longitude same as the passage point latitude / passage point longitude to the accident serial number to the accident type. The accident information accumulation table 126 is copied to the evaluation information table 127 (s203). In addition, when the same accident point latitude / accident point longitude is found in a plurality of hits in step 202, the passing site identification unit 110 copies all the records to the evaluation information table 127 in step s203, and combines them. The point value calculated in step s108 (processing flow example 1) is also stored in association with the corresponding record.

  Subsequently, the premium reduction means 111 of the information processing apparatus 100 executes the above s109 and s110 (processing flow example 1) on the information copied to the evaluation information table 127, and increases the coefficient (time and weather). The point value is calculated by multiplying the point value related to the record having the history serial number “1” by the additional coefficient (time and weather) (s204). Thus, the information processing apparatus 100 finishes the process for the record having the history sequence number “1”, and transitions to the process for the record having the next history sequence number. The insurance premium reduction means 111 that has finished processing the last record in the history record number of the records in the travel history table 125 exits the loop.

  The premium reduction means 111 sums up the point values of each record from the history serial number “1” to the final history serial number (s205), and divides the total point value by the travel distance of the corresponding policyholder. The point value per mileage is calculated (s206). As for the travel distance, for example, the insurance premium reduction means 111 reads the data of the latitude / longitude of the passing point from each record of the corresponding policyholder in the driving history table 125, and between the passing points (ie, between the records). (E.g., an existing method of distance calculation in the coordinate system may be employed), and these may be added together.

  The insurance premium reduction means 111 compares the point value per mileage with the safe driving rank table 130 and determines the corresponding safe driving rank (s207).

--- Other examples ---
In addition, before execution of step s100 in the processing flow example 1, for example, the in-vehicle terminal 200 communicates with an insurance contractor's vehicle control computer via an appropriate communication interface to acquire a vehicle body number, or , A driver's IC chip built-in driver's license reader device (provided in the vehicle or in-vehicle terminal 200) communicates with the driver to obtain the driver's license number, Authentication may be performed by collating with a certificate number.

  In addition, when the in-vehicle terminal 200 acquires information on the accident occurrence point from the information processing apparatus 100 and executes a route search based on the car navigation function, the latitude / longitude of the route candidate once searched is If the information on the location of the accident coincides with the latitude / longitude information included, avoid the corresponding route candidate and re-search for other routes (those that do not include the latitude / longitude of the location of the accident) in the output interface It may be output to 206.

  As described above, according to the present embodiment, the accident history information can be obtained by comparing the history data of the travel route collected by the in-vehicle device and the point data of the accident history information held by the insurance company at the time of insurance premium assessment. The insurance premium can be preferentially applied to a policyholder who has passed the vicinity of the corresponding point. In addition, by displaying on the in-vehicle terminal that the vicinity of the corresponding point of the accident history information is displayed, the driver can be alerted to the accident and the accident can be suppressed.

  Therefore, according to the present embodiment, the insurance premium can be assessed based on the travel history reflecting the actual accident occurrence rate.

  As mentioned above, although embodiment of this invention was described concretely based on the embodiment, it is not limited to this and can be variously changed in the range which does not deviate from the summary.

It is a network block diagram of the insurance premium assessment system of this embodiment. It is a figure showing each example of composition of (a) run history table in this embodiment, (b) accident information storage table, and (c) evaluation information table. It is a figure which shows each structural example of (a) premium table, (b) accident classification point table, and (c) safe driving rank table in this embodiment. It is a figure which shows each structural example of (a) time-zone point table in this embodiment, (b) Weather condition point table, (c) History accumulation table. It is a figure which shows the process flow example 1 of the insurance premium assessment method of this embodiment. It is a figure which shows the example 2 of a processing flow of the insurance premium assessment method of this embodiment. It is a figure which shows the example of an output screen in the vehicle-mounted terminal of embodiment.

Explanation of symbols

10 Insurance premium assessment system 50 Portable storage media (USB memory, etc.)
100 Information processing apparatus 101, 201, 301 Storage means 102, 202, 302 Program 103, 203, 303 RAM (Random Access Memory)
104, 204, 304 CPU (Central Processing Unit)
105, 205, 305 Input interface 106, 206, 306 Output interface 107, 207, 307 Communication means 110 Passage spot specifying means 111 Insurance fee reduction means 112 Accident information transmission means 125 Travel history table 126 Accident information accumulation table 127 Evaluation information table 128 Insurance premium table 129 Accident type point table 130 Safe driving rank table 131 Time zone point table 132 Weather condition point table 140 Network 200 In-vehicle terminal (terminal)
210 History transmission means 211 Accident information display means 215, 315 Interface (USB interface, etc.)
220 GPS device 225 History accumulation table 226 Map data 227 Insurance policyholder ID
300 Data transmission terminal

Claims (4)

In an insurance premium assessment method performed by an information processing apparatus including a calculation unit and a storage unit,
  The computing means is
  The vehicle has passed the accident occurrence position based on the travel history data storing the travel position of the vehicle of the policyholder and the accident information accumulation table stored in the storage means and storing the position information of the accident occurrence point. Detect
  Based on the accident occurrence position through which the vehicle has passed, the severity of the corresponding accident included in the accident information accumulation table, and the accident type point table in which points according to the severity of the accident are set, the accident in the vehicle Set a point for the passage of the occurrence position,
  Based on the accident occurrence position through which the vehicle has passed, the weather at the time of the corresponding accident included in the accident information accumulation table, and the weather condition point table in which the correction coefficient of the point according to the weather at the time of traveling of the vehicle is set. And correct the set point,
  Assessing the insurance premium of the policyholder's vehicle based on the corrected points;
  A method for assessing insurance premiums. The computing means of the information processing apparatus comprises:
  The insurance premium assessment method according to claim 1, wherein the points set and corrected for each passage are added together, and the insurance premium is assessed based on the added points. The computing means of the information processing apparatus comprises:
  Based on the accident occurrence position that the vehicle has passed, the occurrence time of the corresponding accident included in the accident information accumulation table, and the time zone point table in which the correction coefficient of the point according to the travel time of the vehicle is set, Correct the point,
  Assessing the insurance premium of the policyholder's vehicle based on the points corrected according to the weather and time;
  The insurance premium assessment method according to claim 1 or 2, characterized in that Accident information accumulation table that stores location information of the accident location, the severity of the accident, and the weather at the time of the accident, an accident type point table that sets points according to the severity of the accident, and when the vehicle is running Storage means for storing a weather condition point table in which a correction coefficient of the point according to the weather is set;
  A process for detecting that the vehicle has passed the accident occurrence position based on the travel history data storing the travel position of the vehicle of the policyholder and the position information of the accident occurrence point in the accident information accumulation table; A process of setting points for the passage of the accident occurrence position in the vehicle based on the accident occurrence position through which the vehicle has passed, the severity of the corresponding accident included in the accident information accumulation table, and the accident type point table; A process for correcting the set point based on the accident occurrence position through which the vehicle has passed, the weather at the time of the corresponding accident included in the accident information accumulation table, and the weather condition point table; A computing means for executing a process for assessing the insurance premium of the vehicle of the policyholder based on the points;
  A premium assessment device characterized by comprising: