JP6524154B2 - Provision apparatus, provision method and provision program - Google Patents

Description

  The present invention relates to a providing apparatus, a providing method, and a providing program.

  With the development of genetic engineering, various techniques have been proposed for providing useful information to users by analyzing user's genetic information. For example, there is known a technology that provides information on the risk (for example, the risk of disease) associated with the user's gene using the user's gene information.

JP 2016-33795

  However, in the conventional techniques as described above, it is not always easy to provide information for appropriately managing the risk associated with the user's gene. For example, designing and providing an insurance plan according to the risk associated with the user's gene is not always easy.

  The present application has been made in view of the above, and it is an object of the present invention to provide a providing device, a providing method, and a providing program capable of providing information for appropriately managing the risk associated with a user's gene. Do.

  The provision device according to the present application is, based on a user's gene information, a specification unit that specifies a constitution feature that indicates a feature of the constitution related to the driving behavior of the user, and a constitution feature specified by the specification unit. And a providing unit for providing a service related to insurance that compensates for the damage caused by the driving behavior of the user.

  According to one aspect of the embodiment, it is possible to provide information for appropriately managing the risk associated with the user's gene.

FIG. 1 is a diagram illustrating an example of a service providing process according to the embodiment. FIG. 2 is a diagram showing an example of the configuration of the providing device according to the embodiment. FIG. 3 is a diagram showing an example of a gene information storage unit according to the embodiment. FIG. 4 is a diagram showing an example of a constitution feature information storage unit according to the embodiment. FIG. 5 is a diagram showing an example of the insurance plan information storage unit according to the embodiment. FIG. 6 is a diagram illustrating an example of a driving history information storage unit according to the embodiment. FIG. 7 is a flowchart showing a service providing process procedure by the providing device according to the embodiment. FIG. 8 is a diagram illustrating an example of a service providing process according to a modification. FIG. 9 is a diagram illustrating an example of a service providing process according to a modification. FIG. 10 is a hardware configuration diagram showing an example of a computer for realizing the function of the providing device.

  Hereinafter, a providing apparatus, a providing method, and a mode for implementing a providing program according to the present application (hereinafter, referred to as “embodiment”) will be described in detail with reference to the drawings. In addition, the provision apparatus, the provision method, and the provision program which concern on this application by this embodiment are not limited. Moreover, it is possible to combine each embodiment suitably in the range which does not make process contents contradictory. Moreover, the same code | symbol is attached | subjected to the site | part same in each following embodiment, and the overlapping description is abbreviate | omitted.

[1. Service provision processing]
First, the configuration of the service providing system 1 according to the embodiment will be described with reference to FIG. As shown in FIG. 1, the service providing system 1 includes terminal devices 10 ₁ to 10 ₂ and a providing device 100. Although not shown in FIG. 1, the service providing system 1 may include three or more terminal devices 10 ₁ to 10 _n . In this specification, when it is not necessary to distinguish the terminal device ₁₀ 1 to 10 _n, the terminal device ₁₀ 1 to 10 _n are collectively referred to as "terminal device 10".

The terminal device 10 is an information processing device used by a user. In the example of FIG. 1, the terminal apparatus 10 ₁ and the terminal device 10 _2, the information processing device used by the user U1, respectively, is an information processing device used by the user U2. In the example of FIG. 1, the terminal device 10 is shown as a smart phone. However, the terminal device 10 may be any type of information processing device including a desktop PC (Personal Computer), a notebook PC, a tablet PC, and a PDA (Personal Digital Assistant).

  The providing device 100 is a server device that provides various types of information to the terminal device 10. The providing device 100 includes a storage unit 120. Although not shown in FIG. 1, the providing device 100 communicates with the terminal device 10 by wire or wirelessly via a network (for example, the Internet).

  The gene information storage unit 121 stores user's gene information. In the example of FIG. 1, the gene information storage unit 121 stores the gene information GI1 of the user U1 and the gene information GI2 of the user U2.

  The user's genetic information includes information about genes associated with spatial recognition ability. In the example of FIG. 1, the gene information GI1 of the user U1 includes gene information indicating that the user U1 has “the gene SA1 related to space recognition ability”. In addition, the gene information GI2 of the user U2 includes gene information indicating that the user U2 has the "gene SA2 related to space recognition ability". The term "gene associated with spatial recognition ability" refers to a gene that is significantly associated with spatial recognition ability (eg, SNP (Single Nucleotide Polymorphism)).

  Regarding the method of acquiring the user's gene information, for example, the providing apparatus 100 performs the user's gene information from a laboratory (not shown) that examines the user's gene from a sample (for example, saliva) containing the user's gene. get. Then, the providing device 100 stores the acquired gene information of the user in the gene information storage unit 121. Thus, the gene information storage unit 121 can store the user's gene information.

  Next, an example of the service providing process according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of a service providing process according to the embodiment. In the example of FIG. 1, a service providing process is performed by the service providing system 1.

  First, the providing device 100 specifies a constitution feature that indicates a feature of constitution related to the driving behavior of the user based on the gene information of the user. For example, the providing device 100 specifies the spatial recognition ability of the user based on the user's genetic information.

  In the example of FIG. 1, the providing device 100 specifies the space recognition ability of the user U1 based on the gene information GI1 of the user U1. Further, the providing device 100 specifies the space recognition ability of the user U2 based on the gene information GI2 of the user U2. In the example of FIG. 1, the providing device 100 identifies that the user U1 is a “user with high space recognition ability”. The providing device 100 also identifies that the user U2 is a "user with low space recognition capability". The illustrated user U1 and the user U2 are respectively shown as “user with high spatial recognition ability (for example, mental rotation ability)” and “user with low spatial recognition ability” for the sake of explanation.

  In one example, the providing device 100 can calculate the score of the space recognition ability measured by the space recognition ability test that measures the space recognition ability based on the user's genetic information. Then, when the calculated score of the space recognition ability is larger than the predetermined range, the providing device 100 can identify the user as the “user with high space recognition ability”. Further, the providing device 100 can specify the user as the “user with low space recognition ability” when the calculated score of the space recognition ability is smaller than the predetermined range. Further, the providing device 100 can specify the user as the “user having the average space recognition ability” when the calculated score of the space recognition ability is within the predetermined range.

  Subsequently, the providing device 100 determines a premium in insurance that compensates for the damage caused by the user's driving behavior based on the identified constitutional feature. For example, the providing device 100 determines the premium of the user based on the spatial recognition ability of the user.

  In one example, the providing device 100 can set the premium for the “user with high space recognition ability” lower than the premium for the “user with average space recognition ability”. Further, the providing device 100 can set the premium of the “user with low space recognition ability” higher than the premium of the “user with average space recognition ability”.

Subsequently, the providing device 100 receives, from the terminal device 10 used by the user, a service request for requesting provision of a service related to insurance that compensates for the damage caused by the driving behavior of the user. In the example of FIG. 1, providing apparatus 100, from the terminal apparatus 10 ₁ and the terminal device 10 _2, receives a service request for providing a service on insurance.

  Subsequently, the providing device 100 provides, to the terminal device 10 used by the user, a service related to insurance that compensates for the damage caused by the driving behavior of the user based on the identified constitutional feature. In one example, in response to the received service request, the providing device 100 uses the terminal device 10 to use, by the user, a service related to insurance that compensates for the damage caused by the driving behavior of the user based on the determined premium. Provide for More specifically, in one example, the providing device 100 provides a service that proposes an insurance plan according to the identified constitutional feature to the terminal device 10 used by the user as a service related to insurance.

In the example of FIG. 1, providing apparatus 100, in response to a service request received from the terminal apparatus 10 _1, the service on insurance Suggest insurance plans in accordance with the depth perception of the user U1, the terminal apparatus 10 ₁ It provides with respect to (step S11). In one example, the providing apparatus 100, the service on insurance Suggest premiums lower insurance plans than premium "user with average depth perception", to provide to the terminal apparatus 10 ₁ Can. Further, the providing apparatus 100, in response to a service request received from the terminal apparatus 10 _2, the service on insurance Suggest insurance plans in accordance with the depth perception of the user U2, it is provided to the terminal apparatus 10 ₂ (Step S12). In one example, the providing apparatus 100, the service on insurance Suggest premiums higher insurance plans than premium "user with average depth perception", to provide to the terminal apparatus 10 ₂ Can.

  As described above, the providing device 100 according to the embodiment identifies a constitution feature that indicates a feature of constitution related to the driving behavior of the user based on the gene information of the user. Then, the providing device 100 provides a service related to insurance that compensates for the damage caused by the driving behavior of the user based on the identified constitutional feature. Therefore, the providing device 100 according to the embodiment can provide information for appropriately managing the risk associated with the user's gene. More specifically, the providing device 100 can measure the risks of the individual users, using the constitution characteristic that does not change with the change in lifestyle as an indicator of the risk. As a result, the providing apparatus 100 can present reasonable and appropriate premiums to individual users. Hereinafter, the provision device 100 for realizing such service provision processing will be described in detail.

[2. Configuration of Providing Device]
Next, the configuration of the providing device 100 according to the embodiment will be described with reference to FIG. FIG. 2 is a diagram showing an exemplary configuration of the providing device 100 according to the embodiment. As shown in FIG. 2, the providing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130. The providing apparatus 100 has an input unit (for example, a keyboard or a mouse) that receives various operations from a manager or the like who uses the providing apparatus 100, and a display unit (a liquid crystal display or the like) for displaying various information. May be

(Communication unit 110)
The communication unit 110 is realized by, for example, a network interface card (NIC). The communication unit 110 is connected to a network by wire or wireless, and transmits / receives information to / from the terminal device 10 via the network.

(Storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 2, the storage unit 120 includes a gene information storage unit 121, a constitution characteristic information storage unit 122, an insurance plan information storage unit 123, and a driving history information storage unit 124.

(Gene information storage unit 121)
The gene information storage unit 121 stores user's gene information. For example, the gene information storage unit 121 stores the user's gene information acquired from a laboratory that examines the user's gene from a sample (for example, saliva) containing the user's gene. Here, FIG. 3 illustrates an example of the gene information storage unit 121 according to the embodiment. In the example of FIG. 3, “gene information” is stored in the gene information storage unit 121 for each “user ID”. For example, the items "gene information" include the items "gene SA1 associated with spatial recognition ability", "gene SA2 associated with space recognition ability", "gene SD1 associated with sleep depth" and "genes associated with sleep depth "SD2" is included.

  “User ID” indicates an identifier for identifying the user of the terminal device 10. When an HTTP (Hypertext Transfer Protocol) cookie or the like is transmitted and received between the providing device 100 and the terminal device 10, a user ID may be set in the HTTP cookie.

  The “genetic information” is information indicating whether or not the user has a gene significantly associated with the constitution characteristic indicating the characteristic of constitution related to the driving behavior. For example, genetic information is classified into genes significantly associated with constitution characteristics such as "gene SA1 associated with spatial recognition ability" and "gene SD1 associated with sleep depth". In some embodiments, genes that are significantly associated with constitution characteristics correspond to SNPs that are significantly associated with constitution characteristics (for example, having a P value of 0.05 or less), or Haplotype (Haploid Genotype).

  In the example of FIG. 3, when the user has “the gene SA1 associated with the space recognition ability”, “1” is stored in the “gene SA1 related to the space recognition ability”. Also, when the user does not have “the gene SA1 related to space recognition ability”, “0” is stored in the “gene SA1 related to space recognition ability”. That is, FIG. 3 shows that the user identified by the user ID “U1” has “the gene SA1 related to space recognition ability” and “the gene SD1 related to sleep depth”.

(Emergency feature information storage unit 122)
The constitution feature information storage unit 122 stores constitution feature information related to constitution features indicating features of constitutions related to driving behavior of the user. For example, the constitution feature information storage unit 122 stores constitution feature information related to the constitution feature of the user specified by the specifying unit 131. Here, FIG. 4 illustrates an example of the constitution feature information storage unit 122 according to the embodiment. In the example of FIG. 4, “physical constitution characteristic information” is stored in the constitutional characteristic information storage unit 122 for each “user ID”. As an example, the “physical constitution information” includes the items “spatial recognition ability” and “sleeping depth”.

  "Space recognition ability" indicates the space recognition ability of the user. In the example of FIG. 4, the “spatial recognition ability” refers to the score of the spatial recognition ability measured by the spatial recognition ability test that measures the spatial recognition ability, which is calculated based on the user's gene information by the identifying unit 131. Represent. For example, when the score of the space recognition ability of the user is larger than a predetermined range, “3” is stored in the “space recognition ability”. In addition, when the score of the space recognition ability of the user is smaller than the predetermined range, “1” is stored in the “space recognition ability”. Further, when the score of the space recognition ability of the user is within the predetermined range, “2” is stored in the “space recognition ability”.

  In one example, the spatial recognition ability score may indicate superiority or inferiority of the user's spatial recognition ability. For example, the score "3" can indicate that the user is a "user with high space recognition ability". In addition, the score “1” can indicate that the user is “a user with low space recognition ability”. Also, a score of “2” can indicate that the user is “a user with average spatial recognition ability”.

  “Sleep depth” indicates the sleep depth of the user. In the example of FIG. 4, “sleeping depth” indicates the magnitude of the sleep depth score calculated by the identifying unit 131 based on the user's gene information. For example, when the score of the user's sleep depth is larger than a predetermined range, "3" is stored in the "sleep depth". In addition, when the score of the user's sleep depth is smaller than the predetermined range, “1” is stored in the “sleep depth”. In addition, when the score of the user's sleep depth is within the predetermined range, "2" is stored in the "sleep depth".

  In one example, the depth of sleep score may indicate the depth of sleep of the user. For example, a score of "3" can indicate that the user's sleep depth is "deep". Also, a score “1” can indicate that the user's sleep depth is “shallow”. Also, a score of "2" can indicate that the user's sleep depth is "medium".

  FIG. 4 shows that the user identified by the user ID "U1" has the score "3" of the space recognition ability and the score "3" of the sleep depth. That is, FIG. 4 shows that the user identified by the user ID “U1” is a “user with high space recognition ability” and that the sleep depth of the user identified by the user ID “U1” is “deep”. There is.

(Insurance plan information storage unit 123)
The insurance plan information storage unit 123 stores insurance plan information on an insurance plan according to the constitutional feature indicating the characteristic of the constitution related to the driving behavior of the user. Here, FIG. 5 shows an example of the insurance plan information storage unit 123 according to the embodiment. In the example of FIG. 5, the “insurance plan information” is stored in the insurance plan information storage unit 123 for each “insurance plan ID”. As an example, the “insurance plan information” includes the items “insurance fee” and “enrollment condition”.

  "Insurance plan ID" indicates an identifier for identifying an insurance plan. "Insurance fee" indicates the premium of the insurance plan. The “enrollment condition” indicates the insurance plan participation condition. The joining conditions are classified into constitutional features such as "spatial recognition ability" and "sleeping depth". That is, FIG. 5 shows that the premium of the insurance plan identified by the insurance plan ID “P1” is “50000 yen”. Further, FIG. 5 shows that the subscription condition of the insurance plan identified by the insurance plan ID "P1" is that the user has the score "3" of the space recognition ability and the user has the score "2" of the sleep depth. It shows that there is. In other words, FIG. 5 shows that the subscription condition of the insurance plan identified by the insurance plan ID “P1” is that the user is “a user with high space recognition ability” and the user's sleep depth is “medium” Is shown.

(Driving history information storage unit 124)
The driving history information storage unit 124 stores driving history information indicating the driving behavior of the user who has subscribed to the insurance service regarding insurance that compensates for the damage caused by the driving behavior of the user. For the purpose of explanation, it is assumed that an application for performing car navigation in a user terminal mounted on a vehicle transmits the user's driving history information to the providing device 100. For example, the operation history information storage unit 124 indicates the driving behavior of the user who has subscribed to the insurance service related to the insurance received from the user terminal used by the user who subscribes to the service related to the insurance by the reception unit 133. The driving history information is stored. Here, FIG. 6 illustrates an example of the driving history information storage unit 124 according to the embodiment. In the example of FIG. 6, “driving history information” is stored in the driving history information storage unit 124 for each “user ID”. As an example, the “driving history information” includes the items “traveling route” and “traveling time zone”.

  The “traveling route” indicates a traveling route received from a user terminal used by a user who has subscribed to a service related to insurance. The “travel time zone” indicates a travel time zone received from a user terminal used by a user who has subscribed to a service related to insurance. That is, FIG. 6 shows that the vehicle equipped with the user terminal used by the user identified by the user ID “U1” sets the traveling route “National highway No. 120” to the traveling time zone “00:00 to 03:00”. It indicates that it has traveled.

(Control unit 130)
The control unit 130 is a controller, and for example, various programs stored in a storage device inside the providing apparatus 100 are processed by a processor such as a central processing unit (CPU) or a micro processing unit (MPU). It is realized by being implemented as a work area. In addition, the control unit 130 is a controller, and may be realized by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

  As illustrated in FIG. 2, the control unit 130 includes a specifying unit 131, a determining unit 132, a receiving unit 133, a providing unit 134, and a determining unit 135, and functions and functions of information processing described below. Realize or execute. Note that the internal configuration of the control unit 130 is not limited to the configuration illustrated in FIG. 2, and any other configuration may be used as long as the information processing described later is performed.

(Specification section 131)
The identifying unit 131 identifies, based on the user's gene information stored in the gene information storage unit 121, a constitution feature indicating a feature of the constitution related to the user's driving behavior. Then, the identifying unit 131 stores the identified constitutional feature in the constitutional feature information storage unit 122.

  As an example for description, in the example illustrated in FIG. 3, the identifying unit 131 indicates the feature of the constitution related to the driving behavior of the user based on the gene information of the user stored in the gene information storage unit 121. Consider an example of identifying a constitutional feature.

  First, the identifying unit 131 refers to the gene information storage unit 121, and the user identified by the user ID “U1” has “the gene SA1 related to space recognition ability” and “the gene SD1 related to sleep depth” Identify that.

  Subsequently, the specifying unit 131 specifies the space recognition ability of the user identified by the user ID “U1” based on the contribution of the specified “gene SA1 related to space recognition ability” to the space recognition ability. For convenience of explanation, “the gene SA1 related to space recognition ability” is described as contributing to “high space recognition ability”. In this case, the identifying unit 131 identifies that the user identified by the user ID “U1” is a “user with high space recognition capability”.

  In one example, the identification unit 131 calculates the score of the spatial recognition ability measured by the spatial recognition ability test that measures the spatial recognition ability based on the identified “gene SA1 related to the spatial recognition ability”. be able to. Then, when the calculated score of the space recognition ability is larger than the predetermined range, the specifying unit 131 can specify the user identified by the user ID “U1” as the “user with high space recognition ability”. .

  Subsequently, the identifying unit 131 identifies the sleep depth of the user identified by the user ID “U1” based on the contribution of the identified “gene SD1 related to the sleep depth” to the sleep depth. For convenience of explanation, “the gene SD1 related to the sleep depth” is described as contributing to the “depth of the sleep depth”. In this case, the identifying unit 131 identifies that the depth of sleep of the user identified by the user ID “U1” is “deep”.

  In one example, the identification unit 131 can calculate the sleep depth score indicating the depth of the user's sleep depth based on the identified “SD1 related to the sleep depth” contribution. Then, when the calculated sleep depth score is larger than the predetermined range, the identification unit 131 can identify that the sleep depth of the user identified by the user ID “U1” is “deep”.

  After that, the specifying unit 131 associates the score of the space recognition ability of the user identified by the user ID “U1” with the user ID “U1” and the constitution feature information “space recognition ability”, and the constitution feature information storage unit Store in 122 In addition, the identifying unit 131 associates the score of the sleep depth of the user identified by the user ID “U1” with the user ID “U1” and the constitution feature information “sleeping depth” in the constitution feature information storage unit 122. Store.

(Determination unit 132)
The determination unit 132 determines the premium in insurance that compensates for the damage caused by the driving behavior of the user based on the constitution characteristic identified by the identification unit 131. In one example, the determination unit 132 can set the premium for the “user with high spatial recognition ability” lower than the premium for the “user with average spatial recognition ability”. In addition, the determination unit 132 can set the premium for the “user with low space recognition ability” higher than the premium for the “user with average space recognition ability”.

  In one example, the determination unit 132 can store, in the insurance plan information storage unit 123, the premium set according to the space recognition ability score in association with the insurance plan ID. In addition, the determination unit 132 can store the space recognition ability score in the insurance plan information storage unit 123 in association with the insurance plan ID and the joining condition.

(Receiver 133)
The receiving unit 133 receives, from the terminal device 10, a service request that requests provision of a service related to insurance that compensates for the damage caused by the driving behavior of the user. Further, the receiving unit 133 receives, from the terminal device 10, driving history information indicating the driving behavior of the user who has subscribed to the insurance service related to the insurance that compensates for the damage caused by the driving behavior of the user.

(Provision unit 134)
The providing unit 134 provides the terminal device 10 with a service related to insurance that compensates for the damage caused by the driving behavior of the user based on the identified constitutional feature. In one example, in response to the service request received by the receiving unit 133, the providing unit 134 provides a service related to insurance that compensates for the damage caused by the driving behavior of the user based on the premium determined by the determining unit 132, It provides to the terminal device 10. More specifically, in one example, the providing unit 134 provides, to the terminal device 10 used by the user, a service related to insurance that proposes an insurance plan according to the identified constitutional feature. In some embodiments, the providing unit 134 can provide the terminal device 10 with a push notification indicating that there is an insurance plan according to the identified constitution feature. Further, in some embodiments, the providing unit 134 can transmit, to the terminal device 10, an e-mail including information on an insurance plan according to the identified constitutional feature.

  In one example, the providing unit 134 uses an insurance-related service that proposes an insurance plan whose insurance premium is lower than the premium of the “user with average spatial recognition ability” by a user with high spatial recognition ability. It provides to the terminal device 10. In addition, the providing unit 134 is a terminal device 10 that uses an insurance-related service that proposes an insurance plan whose premium is higher than the premium of the “user with average space recognition ability” by a user with low space recognition ability. Provide for

(Judgment unit 135)
Based on the operation history information received by the reception unit 133, the determination unit 135 determines that the user who has subscribed to the service related to the insurance whose operation criteria according to the constitution characteristic specified by the identification unit 131 is defined as the application condition , Determine whether the application conditions are observed.

[3. Flow of service provision processing]
Next, the procedure of the service providing process by the providing device 100 according to the embodiment will be described. FIG. 7 is a flowchart showing a service providing process procedure by the providing device 100 according to the embodiment.

  As illustrated in FIG. 7, the identifying unit 131 of the providing device 100 identifies a constitution feature that indicates a feature of the constitution related to the driving behavior of the user based on the gene information of the user (step S101). Subsequently, the determination unit 132 determines a premium in insurance that compensates for the damage caused by the driving behavior of the user based on the constitution feature identified by the identification unit 131 (step S102).

  Subsequently, the receiving unit 133 receives, from the terminal device 10 used by the user, a service request for requesting provision of a service related to insurance that compensates for the damage caused by the driving behavior of the user (step S103). Subsequently, the providing unit 134 responds to the service request received by the receiving unit 133, and based on the premium determined by the determining unit 132, a service related to insurance that compensates for the damage caused by the driving behavior of the user, It provides to the terminal device 10 utilized by the user (step S104).

[4. Modified example]
The providing device 100 according to the embodiment described above may be implemented in various different forms other than the above embodiment. Therefore, another embodiment of the above providing apparatus 100 will be described below.

[4-1. Insurance plan specified as the application condition of the operation standard according to the constitution feature]
The providing unit 134 of the providing apparatus 100 described above uses, by a user with low space recognition ability, a service related to insurance that proposes an insurance plan with a premium higher than that of the “user with average space recognition ability”. Provided to the terminal device 10. However, the present invention is not limited to this example, and the providing unit 134 may provide a service related to insurance in which the operation standard corresponding to the constitution characteristic specified by the specifying unit 131 is defined as the application condition. In the following description, with reference to FIG. 8 and FIG. 9, an insurance plan in which a driving standard corresponding to the constitution characteristic is defined as an application condition will be described.

  8 and 9 are diagrams showing an example of the service providing process according to the modification. First, the identifying unit 131 refers to the gene information storage unit 121 and identifies that the user U1 has “the gene SA1 related to space recognition ability” and “the gene SD1 related to the sleep depth”. However, the user U1 is a user identified by the user ID “U1”. Further, the identifying unit 131 refers to the gene information storage unit 121 and identifies that the user U2 has “the gene SA2 related to space recognition ability”. However, the user U2 is a user identified by the user ID "U2". The identifying unit 131 also refers to the gene information storage unit 121 and identifies that the user U3 has “the gene SD2 related to the sleep depth”. However, the user U3 is a user identified by the user ID "U3".

  Subsequently, the specifying unit 131 specifies that the user U1 is a “user with high space recognition ability” based on the contribution of “the gene SA1 related to the space recognition ability” to the space recognition ability. The identifying unit 131 also identifies that the user U2 is a "user with low space recognition ability" based on the contribution of the "gene SA2 related to space recognition ability" to the space recognition ability. In addition, the identifying unit 131 identifies that the sleep depth of the user U3 is “shallow” based on the contribution of “the gene SD2 related to the sleep depth” to the sleep depth.

Subsequently, based on the space recognition ability of the user specified by the specifying unit 131, the providing unit 134 provides a service regarding insurance whose driving criteria including the condition for restricting the traveling route of the user is defined as the application condition AC1. . In the example of FIG. 8, providing unit 134, a condition for limiting the travel route TR2 is a service relating to defined insurance as application conditions, provided the terminal device 10 _2. However, the terminal device 10 ₂ is a terminal device 10 that is utilized by the user U2. The example travel route TR1 is shown as a safe travel route for the sake of explanation. In addition, the illustrated travel route TR2 is illustrated as a dangerous travel route including a section where a sharp curve is continuous (for example, National Route 120) for the sake of explanation.

Further, based on the user's sleep depth specified by the specifying unit 131, the providing unit 134 provides a service related to insurance in which the driving standard including the condition for limiting the user's travel time zone is defined as the application condition AC2. In the example of FIG. 9, providing unit 134, a condition for limiting the travel time zone TT2 is a service relating to insurance defined as application conditions, provided to the terminal device 10 _3. However, the terminal device ₁₀₃ is a terminal apparatus 10 utilized by the user U3. The example travel time zone TT1 is shown as daylight for the sake of explanation. Also, the example driving time zone TT2 is shown as midnight for the sake of explanation.

Subsequently, the receiving unit 133 from the terminal device 10 _2, receives the operation history information indicating a driving behavior of the user U2 that insurance services on insurance to compensate for damage caused by the driving behavior of the user U2. The receiving unit 133 from the terminal device ₁₀₃ receives the operation history information indicating a driving behavior of the user U3 which insurance service on insurance to compensate for damage caused by the driving behavior of the user U3.

Subsequently, based on the operation history information of the user U2 received by the receiving unit 133, the determining unit 135 determines whether the user U2 complies with the application condition AC1. In the example of FIG. 8, the determination unit 135 determines whether the vehicle equipped with the terminal apparatus 10 _2, has traveled the travel route TR2. In addition, based on the operation history information of the user U3 received by the reception unit 133, the determination unit 135 determines whether or not the user U3 adheres to the application condition AC2. In the example of FIG. 9, the determination unit 135 determines whether the vehicle equipped with the terminal device ₁₀₃ has traveled the travel time zone TT2.

  Thereafter, when the determination unit 135 determines that the user U2 complies with the application condition AC1, the determination unit 132 subscribes to an insurance service regarding insurance that compensates for the damage caused by the driving behavior of the user U2. It decides to provide an incentive to the user U2. In addition, when the determination unit 135 determines that the user U3 complies with the application condition AC2, the determination unit 132 subscribes to an insurance service regarding insurance that compensates for the damage caused by the driving behavior of the user U3. Decide to provide incentives to user U3.

  In some embodiments, when the determination unit 135 determines that the user U2 is in compliance with the application condition AC1, the determination unit 132 determines that the user U2 premium is “in compliance with the application condition AC1. It can be set lower than the premium of “not user”. In addition, when the determination unit 135 determines that the user U3 complies with the application condition AC2 by the determination unit 135, the insurance fee of the user U3 is determined as the insurance of the “user who does not comply with the application condition AC2”. It can be set lower than the fee.

[4-2. Other]
Further, among the processes described in the above embodiment, all or part of the process described as being automatically performed may be manually performed, or the process described as being manually performed. All or part of them can be performed automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above-mentioned documents and drawings can be arbitrarily changed unless otherwise specified.

  Further, each component of each device illustrated is functionally conceptual, and does not necessarily have to be physically configured as illustrated. That is, the specific form of the distribution and integration of each device is not limited to the illustrated one, and all or a part thereof may be functionally or physically dispersed in any unit depending on various loads, usage conditions, etc. It can be integrated and configured.

  For example, part or all of the storage unit 120 illustrated in FIG. 2 may be held by a storage server or the like instead of being held by the providing device 100. In this case, the providing device 100 accesses the storage server to acquire various information such as gene information and driving history information.

[4-3. Hardware configuration]
Further, the providing device 100 according to the embodiment described above is realized by, for example, a computer 1000 configured as shown in FIG. FIG. 10 is a diagram illustrating an example of a hardware configuration. The computer 1000 is connected to an output device 1010 and an input device 1020, and a form in which an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected by a bus 1090. Have.

  The arithmetic unit 1030 operates based on a program stored in the primary storage unit 1040 or the secondary storage unit 1050, a program read from the input unit 1020, etc., and executes various processing. The primary storage device 1040 is a memory device, such as a RAM, which temporarily stores data used by the computing device 1030 for various operations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), an HDD, a flash memory or the like.

  The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information such as a monitor and a printer. For example, USB (Universal Serial Bus), DVI (Digital Visual Interface), or the like It is realized by a connector of a standard such as HDMI (High Definition Multimedia Interface). The input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, and a scanner, and is realized by, for example, USB or the like.

  The input device 1020 may be, for example, an optical recording medium such as a compact disc (CD), a digital versatile disc (DVD), a phase change rewritable disc (PD), a magneto-optical recording medium such as a magneto-optical disc (MO), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like. The input device 1020 may also be an external storage medium such as a USB memory.

  The network IF 1080 receives data from another device via the network N and sends it to the computing device 1030, and transmits data generated by the computing device 1030 via the network N to the other device.

  The arithmetic device 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the processing unit 1030 loads a program from the input unit 1020 or the secondary storage unit 1050 onto the primary storage unit 1040 and executes the loaded program.

  For example, when the computer 1000 functions as the providing device 100, the computing device 1030 of the computer 1000 implements the function of the control unit 130 by executing the program loaded on the primary storage device 1040.

[5. effect〕
As described above, the providing apparatus 100 according to the embodiment includes the specifying unit 131 and the providing unit 134. The identifying unit 131 identifies, based on the user's gene information, a constitution feature that indicates a feature of constitution related to the driving behavior of the user. The providing unit 134 provides a service related to insurance that compensates for the damage caused by the driving behavior of the user based on the constitution characteristic identified by the identifying unit 131. Thus, the providing device 100 can provide information for appropriately managing the risk associated with the user's gene. Specifically, the providing device 100 can provide information on automobile insurance that can compensate for the driving risk associated with the gene.

  In addition, in the providing apparatus 100 according to the embodiment, the providing unit 134 provides a service related to insurance that proposes an insurance plan according to the constitutional feature identified by the identifying unit 131. Thus, the providing device 100 can present an appropriate car insurance plan according to the driving risk associated with the gene.

  In addition, the providing device 100 according to the embodiment includes the determination unit 132 that determines the premium in insurance based on the constitutional feature identified by the identification unit 131. Thus, the providing device 100 can present reasonable and appropriate automobile insurance premiums by measuring the driving risk associated with the gene.

  Further, in the providing apparatus 100 according to the embodiment, the providing unit 134 provides a service related to insurance in which the operation standard corresponding to the constitution characteristic specified by the specifying unit 131 is defined as the application condition. For this reason, the providing device 100 can provide advice to reduce the driving risk associated with the gene.

  Further, in the providing device 100 according to the embodiment, the specifying unit 131 specifies a constitution feature including the space recognition ability of the user. In addition, in the providing device 100 according to the embodiment, the providing unit 134 provides, based on the space recognition capability, a service related to insurance whose driving criteria including the condition for restricting the traveling route of the user is defined as the application condition. Therefore, the providing device 100 can reduce the risk of occurrence of a collision accident or a contact accident.

  Further, in the providing device 100 according to the embodiment, the specifying unit 131 specifies a constitution feature including the sleep depth of the user. In addition, in the providing device 100 according to the embodiment, the providing unit 134 provides, based on the sleep depth, a service relating to insurance in which a driving standard including the condition for limiting the traveling time zone of the user is defined as the application condition. For this reason, the providing device 100 can reduce the risk of occurrence of drowsy driving.

  In addition, the provision device 100 according to the embodiment receives the operation history information indicating the driving behavior of the user who has subscribed to the insurance service from the user terminal used by the user who has subscribed to the insurance service. It has 133. In addition, the providing apparatus 100 according to the embodiment determines, based on the operation history information received by the receiving unit 133, the determining unit 135 that determines whether the user who has subscribed to the insurance-related service complies with the application condition. Have. Therefore, the providing device 100 can analyze the driving risk associated with the gene in real time.

  In addition, in the providing apparatus 100 according to the embodiment, when the determining unit 135 determines that the user who has subscribed to the service related to the insurance complies with the application conditions, the determining unit 132 subscribes to the service related to the insurance Decide to provide incentives to users who are Therefore, the providing device 100 can reduce the driving risk associated with the gene.

  Although some of the embodiments of the present application have been described above in detail based on the drawings, these are only examples, and various modifications can be made based on the knowledge of those skilled in the art, including the aspects described in the section of the description of the invention. It is possible to implement the invention in other improved forms.

  Further, the providing apparatus 100 described above may be realized by a plurality of server computers, and depending on the function, the external platform etc. may be called by API (Application Programming Interface) or network computing etc. It can be changed flexibly.

  Further, the "means" described in the claims can be read as "section, module, unit", "circuit" or the like. For example, the acquisition unit can be read as an acquisition unit or an acquisition circuit.

DESCRIPTION OF SYMBOLS 1 service provision system 100 provision apparatus 120 storage part 121 gene information storage part 122 physical feature information storage part 123 insurance plan information storage part 124 operation history information storage part 131 identification part 132 determination part 133 reception part 134 provision part 135 determination part

Claims (12)

A specification unit for specifying a constitution feature indicating a feature of constitution related to the driving behavior of the user based on gene information of the user;
Providing a service related to insurance that compensates for the damage caused by the user's driving behavior based on the constitution characteristic identified by the identification unit, and proposes an insurance plan according to the constitution characteristic identified by the identification unit Department,
A providing apparatus comprising: The provision device according to claim 1 , further comprising a determination unit that determines a premium in the insurance based on the constitution characteristic identified by the identification unit. A specification unit for specifying a constitution feature indicating a feature of constitution related to the driving behavior of the user based on gene information of the user;
Providing a service related to insurance that compensates for the damage caused by the driving behavior of the user based on the constitutional feature identified by the identifying unit, and the driving criteria corresponding to the constitutional feature identified by the identifying unit is applied condition A provision unit for providing the prescribed service relating to the insurance;
A providing apparatus comprising: The identification unit is
Identifying the constitutional feature including the spatial recognition ability of the user;
The providing unit is
Based on the space recognition ability, the driving standard provides a service relating to the insurance defined as the application condition including a condition for restricting the traveling route of the user.
The providing apparatus according to claim 3 , wherein: The identification unit is
Identifying the constitutional feature including the sleep depth of the user;
The providing unit is
The service related to the insurance is defined based on the sleep depth, wherein the driving standard includes the condition for limiting the travel time zone of the user as the application condition.
The providing apparatus according to claim 3 , wherein: A receiver configured to receive, from a user terminal used by the user who has subscribed to the service related to the insurance, driving history information indicating driving behavior of the user subscribed to the service related to the insurance;
A determination unit that determines whether the user who has subscribed to the insurance-related service complies with the application condition based on the operation history information received by the reception unit. The provision apparatus as described in any one of Claims 3-5 . If the user by the front Symbol judging unit has subscribed to the service relating to the insurance is determined to be in compliance with the applicable conditions, to provide incentives to the user subscribing to services related to the insurance The providing apparatus according to claim 6 , further comprising a determination unit that determines The determination unit is
Determine a premium in the insurance based on the constitutional feature identified by the identifying unit;
The provision device according to claim 7, wherein: A computer implemented method of providing,
Identifying a constitution characteristic indicating a characteristic of constitution related to the driving behavior of the user based on gene information of the user;
Providing an insurance-related service that compensates for the damage caused by the user's driving behavior based on the constitutional feature identified by the identifying step, and proposes an insurance plan according to the constitutional feature identified by the identifying step Process,
A providing method characterized in that. A computer implemented method of providing,
Identifying a constitution characteristic indicating a characteristic of constitution related to the driving behavior of the user based on gene information of the user;
Providing a service related to insurance that compensates for the damage caused by the driving behavior of the user based on the constitutional feature identified by the identifying step, and the operating criteria corresponding to the constitutional feature identified by the identifying step are applied conditions A providing step of providing a prescribed service relating to the insurance;
A providing method characterized in that. A specification procedure for specifying a constitution feature that indicates a feature of constitution related to the driving behavior of the user based on gene information of the user;
Providing an insurance-related service that compensates for the damage caused by the user's driving behavior based on the constitution characteristic identified by the identification procedure, and proposes an insurance plan according to the constitution characteristic identified by the identification procedure Steps and
Providing a program that causes a computer to execute the program. A specification procedure for specifying a constitution feature that indicates a feature of constitution related to the driving behavior of the user based on gene information of the user;
Providing a service related to insurance that compensates for the damage caused by the driving behavior of the user based on the constitutional feature identified by the particular procedure, and the driving criteria corresponding to the constitutional feature identified by the particular procedure are applied conditions Providing procedures for providing the specified insurance related services;
Providing a program that causes a computer to execute the program.

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