JP6933573B2 - Compensation system after inspection of firefighting equipment, etc. - Google Patents

Description

The present invention relates to a system for calculating the presence or absence of compensation and the content of compensation based on the inspection result for firefighting equipment and the like after inspection by fire insurance and the like.

Fire insurance premiums and claims are generally determined based on the purpose, area, structure, etc. of the target property. This is because the risk assessment differs depending on the application, area, and structure. Properties that are rated low risk and unlikely to catch a fire can be compensated on favorable terms.

Patent Document 1 discloses the following techniques. The technique relates to a system for reflecting learning efforts to avoid risks such as accidents and illnesses in insurance premiums. The insurer sends learning items to the insured as an assignment before making an insurance contract with the insured, and manages the learning. The system sets premiums based on managed learning performance.

Japanese Unexamined Patent Publication No. 2002-117236

As mentioned above, the advanced technology reduces the risk that the insured will have an accident, etc. through the process of supporting and managing task learning, so that the insured can receive compensation under favorable conditions such as reduction of insurance premiums. For insurers, reducing the risk of accidents and the like may reduce the chances of paying insurance claims, which is beneficial to both parties.

Similarly, in fire insurance, activities to reduce the risk of fires bring benefits to both the insurer and the insured. Therefore, it is required to provide means for evaluating and managing activities to reduce this risk and reflecting them in the compensation contents. By the way, in order to prevent the outbreak of fire and the spread of damage, qualified personnel such as fire defense equipment officers carry out equipment inspections based on the Fire Service Act, but there is a risk between properties that have undergone this equipment inspection and properties that have not. The rating should be different. For example, properties that have been confirmed to operate normally with fire extinguishers, sprinkler equipment, and automatic fire alarm systems are considered to have a lower risk of fire and spread of damage than properties that have not been confirmed. Then, it is natural that a property that has undergone thorough equipment inspection can receive compensation with more advantageous contents than a property that has insufficient equipment inspection. Therefore, it is an issue to manage the inspection results of the firefighting equipment provided in each property, and to provide means for reflecting the inspection results in the presence or absence of fire insurance compensation and the contents of compensation provided.

Therefore, as the first invention, the present invention is compensated according to a predetermined rule based on the inspection result of the building property held in the system, the compensation content provided by the insurance, and the compensation request received in the event of a fire. Provide a system that can make a judgment on whether or not to approve a request and its contents.

Specifically, the inspection result holding unit that holds the firefighting equipment inspection qualified person identification information, the inspection result identification information that identifies the inspection result of the firefighting equipment, and the inspected building identification information in association with each other, and the inspected building. The compensation content information holding unit that holds the compensation content information, which is the information indicating the compensation content that is performed due to the fire of the building in association with the object identification information, and the building that is associated with the inspected building identification information. The compensation request reception unit that accepts the compensation request, which is the content of the compensation requested this time due to a fire, etc., and the inspection result identification that acquires the inspection result identification information associated with the compensation request. Compensation request based on the information acquisition department, the inspection result identified by the acquired inspection result identification information, the acquired current compensation request content, and the compensation content information held in association with the inspected building identification information. Compensation request judgment rule holding unit that holds the compensation request judgment rule, which is a rule to judge whether to approve or / and what kind of compensation is to be provided when the compensation request is approved, and the retained compensation request judgment rule Judgment unit that determines whether to approve the compensation request based on the acquired inspection result, the compensation request content this time, and the compensation content information, and / and what kind of compensation is to be provided when the compensation request is approved. And provide a post-inspection compensation system for firefighting equipment, etc.

As a second invention, a system capable of accumulating the results of the above determination for each building property is provided.

Specifically, the present invention provides a post-inspection compensation system for firefighting equipment, etc., which further has a judgment result accumulating unit for accumulating the judgment result in the judgment unit in association with the inspected building identification information associated with the compensation request.

As the third invention, based on the second invention described above, the compensation fee required for the next and subsequent compensations is calculated based on the judgment results accumulated in the judgment result storage unit and the information associated therewith. It also has a compensation fee calculation rule holding unit that holds a compensation fee calculation rule for the purpose, and a compensation fee calculation unit that calculates a compensation fee based on the judgment result and the information associated therewith and the compensation fee calculation rule. Provide a compensation system after inspection of firefighting equipment, etc.

As the fourth invention, based on the above-mentioned second or third invention, the firefighting equipment to be installed in the building is calculated based on the judgment result accumulated in the judgment result storage unit and the information associated therewith. The installation firefighting equipment calculation rule holding unit that holds the installation firefighting equipment calculation rule, and the firefighting equipment that should be installed in the building based on the judgment result and the information associated with it and the installation firefighting equipment calculation rule. It provides a post-inspection compensation system for firefighting equipment, etc., which also has an installation firefighting equipment calculation unit for calculation.

As a fifth invention, based on any one of the above first to fourth inventions, the inspection result holding unit associates the inspection result with a rating indicating how much the building is equipped with disaster prevention against fire. To provide a post-inspection compensation system for firefighting equipment, etc., which further has a means for retaining rating inspection results to retain rating inspection results.

The first and second inventions having the above configuration make it possible to calculate and accumulate compensation contents based on an appropriate risk assessment based on the results of firefighting equipment inspection, which is an activity to reduce risk. ..

According to the third invention, it is possible to calculate a compensation fee reasonable as the compensation content provided according to a predetermined rule.

With the fourth invention, the insured and the like can know about the firefighting equipment necessary for the property based on the judgment result of the system and the like.

According to the fifth invention, the degree of disaster prevention can be grasped by rating the inspection result, and the insured person or the like can know the relationship between the degree of disaster prevention and the compensation content.

The figure for demonstrating the outline of the processing of the post-inspection compensation system of the firefighting equipment of Example 1. The figure which shows an example of the functional configuration of the post-inspection compensation system of the firefighting equipment of Example 1. The figure for demonstrating the inspection result holding table in the post-inspection compensation system of firefighting equipment of Example 1. The figure which showed an example of the rating rule for performing the rating in the post-inspection compensation system of the firefighting equipment of Example 1. The figure for demonstrating the compensation request judgment rule in the post-inspection compensation system of the firefighting equipment of Example 1. The figure which shows another example of the functional configuration of the post-inspection compensation system of the firefighting equipment of Example 1. Flow chart showing an example of the processing flow in the post-inspection compensation system for firefighting equipment, etc. in Example 1. Schematic diagram showing an example of the hardware configuration in the post-inspection compensation system for firefighting equipment, etc. of Example 1. The figure which shows an example of the functional configuration of the post-inspection compensation system of the firefighting equipment of Example 2. Diagram for showing the compensation fee calculation rule of the compensation system after inspection of firefighting equipment, etc. in Example 2. Another figure for showing the compensation fee calculation rule of the compensation system after inspection of firefighting equipment, etc. in Example 2. Flow chart showing an example of the processing flow in the post-inspection compensation system for firefighting equipment, etc. in Example 2 Schematic diagram showing an example of the hardware configuration in the post-inspection compensation system for firefighting equipment, etc. of Example 2. The figure which shows an example of the functional configuration of the post-inspection compensation system of the firefighting equipment of Example 3. The figure for showing the installation fire-fighting equipment calculation rule in the post-inspection compensation system of the fire-fighting equipment of Example 3. The figure which showed the distribution of the firefighting equipment calculated by the supplementary rule in the post-inspection compensation system of the firefighting equipment of Example 3. Flow chart showing an example of the processing flow in the post-inspection compensation system for firefighting equipment, etc. in Example 3 Schematic diagram showing an example of the hardware configuration in the post-inspection compensation system for firefighting equipment, etc. of Example 3.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The present invention is not limited to these embodiments, and can be implemented in various embodiments without departing from the gist thereof. In addition, Example 1 mainly describes claims 1, 2, 5, 6, 7, 10, 11. The second embodiment mainly describes claims 3 and 8. The third embodiment mainly describes claims 4 and 9.

<< Example 1 >>
<Overview>
FIG. 1 is a diagram showing an outline of this embodiment. As shown in this figure, the inspection result (0101) of the firefighting equipment and the compensation content (0102) covered by insurance or the like are stored in the storage medium (0103, 0104) on the insurer side of the system. In the example of FIG. 1, a defect of the sprinkler is found in the inspection result. As a general rule, the content of compensation is stipulated as the amount of damage up to 50 million yen. The insured person inputs the content of the compensation request as a compensation request at the time of claiming the insurance money at the terminal of the insured side of the system or the operator terminal that inputs on behalf of the insured person. Here, since the fire caused damage of 20 million yen, the insured person or the operator has entered 20 million yen as the insurance money as the request content. On the server on the insurer side, based on the input compensation request content, inspection result, and compensation content, the server's server decides whether to accept the compensation request and what kind of compensation is to be provided according to the compensation request judgment rule held. Judgment is made by arithmetic processing. In the example of FIG. 1, the compensation request judgment rule requires inspection of firefighting equipment in order to approve compensation, and the insurance money is reduced by 20% for each item of inspection deficiency. In the example of FIG. 1, the inspection of the firefighting equipment has been completed and compensation is granted. Looking at the inspection results, there is one inspection deficiency in the sprinkler. The content of the compensation request is 20 million yen for the total amount of damage, but according to the compensation request judgment rule, the insurance amount of 16 million yen, which is obtained by deducting 20% of 4 million yen from the damage amount, is recognized as the amount of compensation. In this way, in the post-inspection compensation system for firefighting equipment, etc. of this embodiment, when determining the content of compensation, it is possible to determine the presence or absence of compensation and the content of compensation, taking into consideration the inspection results of firefighting equipment, etc. Characterized by points.

Hereinafter, the functions and processing flow of the table recognition processing apparatus of this embodiment and the contents of the hardware will be described in detail. The functional blocks of this system described below can be realized as a combination of hardware and software. Specifically, if a computer is used, the CPU (central processing unit), main memory, bus, or secondary storage device (hardware drive, non-volatile memory, storage media such as CD and DVD, and those media) Controls hardware components such as (reading drive, etc.), input devices used for information input, printing devices and display devices, and other external peripheral devices, as well as interfaces for the external peripheral devices, communication interfaces, and their hardware. This includes driver programs, other application programs, and user interface applications. Then, by the arithmetic processing of the CPU according to the program expanded on the main memory, the data input from the input device or other interface and stored on the memory or hard disk is processed and accumulated, or the above hardware or each of the above hardware or Instructions to control the software are generated. Alternatively, the functional block of this system may be realized by dedicated hardware.

Further, the present invention can be realized not only as a system but also as a method. Further, a part of such an invention can be configured as software. Further, a program used to make a computer execute such software, and a recording medium on which the program is fixed are naturally included in the technical scope of the present invention (the same applies throughout the present specification).

<Functional configuration>
FIG. 2 is a diagram showing an example of a functional configuration in the post-inspection compensation system for firefighting equipment, etc. of this embodiment. As shown in this figure, the "compensation system after inspection of firefighting equipment, etc." (0200) of this embodiment includes "inspection result holding unit" (0201), "compensation content information holding unit" (0202), and "compensation". It has a request reception unit (0203), an inspection result identification information acquisition unit (0204), a compensation request determination rule holding unit (0205), and a determination unit (0206).

The "inspection result holding unit" (0201) has a function of associating and holding the firefighting equipment inspection qualified person identification information, the inspection result identification information for identifying the inspection result of the firefighting equipment, and the inspected building identification information. .. "Inspection" is an inspection of firefighting equipment, and includes regular inspections based on the Fire Service Act and informal regular or irregular inspections. "Firefighting equipment" refers to fire extinguishing equipment, alarm equipment, evacuation equipment, firefighting water, and other facilities necessary for firefighting activities. The "inspection result" describes the state of each firefighting equipment. For example, in the case of an automatic fire alarm, the result of a test such as whether the function that can detect heat, smoke, flame, etc. can detect heat, smoke, flame, etc. and automatically notify other alarms and disaster prevention centers, etc., works normally. Point to. It should be noted that the inspection results in a state where the inspection results of the firefighting equipment are partially abnormal are also assumed. The inspection result is represented by a binary value of good / bad, and may have an intermediate value such as a partial defect. In that case, the point system or an expression such as a percentage may be used as the inspection result.

"Firefighting equipment inspection qualified person identification information" is information for identifying a firefighting equipment inspection qualified person. A "fire-fighting equipment inspection qualified person" refers to a fire-fighting equipment officer or a fire-fighting equipment inspection qualified person specified by the Fire Service Act, and is a person who has the necessary knowledge to perform the above inspection. "Inspection result identification information" is information for specifying the above inspection result, and is given to each equipment. "Inspected building identification information" is information for identifying an inspected building. Here, the "inspected building" is a fire-prevention object covered by fire insurance and the like, and generally refers to a building or a dwelling or the like equipped with fire-fighting equipment. This information is associated and stored in the inspection result holding table on the non-volatile memory such as RAM or HDD. FIG. 3 shows an inspection result holding table. As shown in this figure, the firefighting equipment inspection qualified person identification information, the inspected building identification information, and the inspection result identification information are associated with each other, and as an inspection result, the number of installation standards, the number of normal operations, and the normal operation rate are displayed. It is retained for each inspection result identification information. The equipment listed by equipment name complies with the "types of firefighting equipment, etc." stipulated by the Fire Service Act.

In addition, this department has a "rating inspection result holding means" (not shown) that holds the rating inspection result that holds the inspection result in association with the rating that shows how much the building is equipped with disaster prevention against fire. You may be doing it. FIG. 4 is a diagram showing an example of a rating rule for performing a rating. As shown in this figure, it is a rating rule that assigns ratings from A to E according to the normal operating rate of firefighting equipment. According to this rule, when the normal operating rate of equipment is the highest 100%, the rating is set to "A", and as the normal operating rate decreases, the rating "B to E" is given. That is, "B" when the normal operating rate is 80% to 99%, "C" when the normal operating rate is 60% to 79%, "D" when the normal operating rate is 40% to 59%, 0% to 39%. In some cases, "E" is given. A rating may be given to each building according to this rating rule, and the judgment result of the compensation content of the fire insurance may be calculated based on the rating, or the amount of the compensation fee may be calculated.

The “compensation content information holding unit” (0202) has a function of holding compensation content information which is information indicating compensation content performed due to a fire or the like of the building in association with the inspected building identification information. "Compensation content" is a concept that includes the scale to be covered by fire insurance, etc., and is based on the premise that the inspection results of all firefighting equipment required for the building under the Fire Service Act are normal. It is decided. It is usually set at the time of contract for fire insurance, etc. In fire insurance, there are "buildings" and "household goods" as compensation targets, but in the present invention, the actual compensation is determined based on the inspection results of firefighting equipment, so in principle, compensation is provided for "household goods" that are not equipped with equipment. Although it is excluded from the target, it is possible to design a system that covers "household goods" if necessary. The above is the subject of direct damage, but in order to prevent the occurrence and spread of damage caused by fire accidents and the cost of cleaning up the damaged remnants covered by insurance (residual cleaning cost insurance money). Expenses (damage prevention cost insurance) and extraordinary expenses in the event of an accident where the non-life insurance is paid (for example, the hotel fee to stay when the residence becomes unavailable) can also be covered (for example) Expense insurance money). In addition to the above information regarding the compensation target, the compensation content information includes "information for identifying the building to be compensated" such as the location (address, number of floors, room number) of the building. In addition, as the planned compensation scale, "In principle, compensation at the time of burning is the total amount of damage within the upper limit of insurance money" and "The price required to rebuild the building at the time of burning (according to the replacement price contract) ) ”,“ When burned down, the market value of the building (according to the market value contract) ”, etc. are included. In addition, the compensation content information includes the type of building (residential property, general property), the structural class of the building (M structure, T structure, H structure, 1st to 3rd grade), and the material of the building (concrete building, concrete building, Concrete block building, brick building, stone building, fireproof building apartment building, steel frame building, fireproof building (other than apartment building), quasi-fireproof building, ministry ordinance quasi-fireproof building, fireproof coated steel structure, etc.) Etc. may be included. This information is stored in the compensation content information holding table on the RAM or non-volatile memory.

The "Compensation Request Reception Department" (0203) requests a compensation request including the content of the compensation request, which is the content of the compensation requested this time due to a fire, etc. of the building in association with the inspected building identification information. It has a function to accept. The "compensation request" is a procedure required mainly for claiming insurance claims in the event of a fire, etc., and the "contents of this compensation request" is a document for claiming insurance claims, etc. , Insurance claim, seal certificate, accident content report, copy of building register, repair estimate, damage statement, photo, etc. The compensation request may be sent over the network by an insured terminal or by an operator who inputs on behalf of the insured, and the system provides a U / I for that purpose. The functions of this department are called on the RAM and provided by the compensation request reception program executed by the CPU.

The “inspection result identification information acquisition unit” (0204) has a function of acquiring the inspection result identification information associated with the compensation request. Specifically, it obtains the inspected building identification information associated with the compensation request, and further
By referring to the inspection result holding table, the process of acquiring the inspection result identification information associated with the inspected building identification information is executed. The functions of this department are called on the RAM and provided by the inspection result identification information acquisition program executed by the CPU.

The "compensation request judgment rule holding unit" (0205) describes the inspection result identified by the acquired inspection result identification information, the acquired current compensation request content, and the compensation content held in association with the inspected building identification information. It has a function of holding a compensation request judgment rule, which is a rule for determining whether to approve a compensation request based on information and / and what kind of compensation is to be provided when a compensation request is approved. As shown in FIG. 5, for example, the “compensation request determination rule” holds a replacement price of 20 million yen for the building itself of a certain property and a maximum of 5 million yen for cost insurance in the compensation content information. At this time, if the normal operation rate of the firefighting equipment is 85% in the inspection result, 100% of the insurance money of the above compensation contents specified at the time of insurance contract is usually paid, but 20% is deducted and 80% is insured. A rule such as being paid as money can be considered. Therefore, for example, if the building of a certain property is burnt down and the replacement price is 20 million yen, and the total replacement price and the cost insurance money of 2 million yen are the compensation request contents, the above rule is applied. As a result of the judgment, the insurance money for the building will be deducted 20% to 16 million yen, and the insurance money for the expense insurance will be deducted 20% to 1.6 million yen. In addition, there may be a rule that compensation cannot be received if there are more than 60% of incomplete inspection results. Furthermore, in the case of a building with multiple floors, a rule can be considered in which insurance money is set for each floor according to the results of inspection results on each floor. The functions of this department are realized by compensation request judgment rule data stored in RAM or non-volatile memory.

The above rule may be obtained by learning using the insurance amount as teacher data by inputting the inspection result, the content of the compensation request this time, and the content of compensation.

The "judgment unit" (0206) approves or / or makes a compensation request based on the retained compensation request judgment rule, the acquired inspection result, the compensation request content this time, and the compensation content information. It has a function to judge what kind of compensation should be provided when the above is approved. Specifically, the inspection result, the compensation content, and the compensation request content are acquired from the inspection result holding table, the compensation content information holding table, and the compensation request reception table, using the inspected building identification information as a key. By applying the compensation request judgment rule on the condition of, the processing such as calculating the compensation content such as the insurance amount is performed. The functions of this part are called on the RAM and provided by the judgment program executed by the CPU.

<Another functional configuration>
FIG. 6 is a diagram showing another example of the functional configuration in the post-inspection compensation system for firefighting equipment, etc. of this embodiment. As shown in this figure, the "compensation system after inspection of firefighting equipment, etc." (0600) of this embodiment includes "inspection result holding unit" (0601), "compensation content information holding unit" (0602), and "compensation". It has a request reception unit (0603), an inspection result identification information acquisition unit (0604), a compensation request determination rule holding unit (0605), and a determination unit (0606). Since these configuration requirements have already been explained above, the description thereof will be omitted. A feature of another functional configuration is that it newly has a "judgment result storage unit" (0607).

The "judgment result storage unit" (0607) has a function of accumulating the judgment result of the judgment unit in association with the inspected building identification information associated with the compensation request. Specifically, the processing performed by storing the inspected building identification information, the compensation request content, and the judgment result in the same judgment result accumulation table is performed. The table is stored in RAM or non-volatile memory.

<Processing flow>
FIG. 7 is a flowchart showing an example of the processing flow in the post-inspection compensation system for firefighting equipment, etc. of this embodiment. First, the compensation request, which is the content of the compensation requested this time due to the fire or the like of the building in association with the inspected building identification information, is accepted (step S0701). Next, the firefighting equipment inspection qualified person identification information, the inspection result identification information for identifying the inspection result of the firefighting equipment, and the inspected building identification information are associated and acquired (step S0702). Next, the compensation content information, which is information indicating the compensation content to be performed due to a fire or the like of the building in association with the inspected building identification information, is acquired (step S0703). Next, the inspection result identification information associated with the compensation request is acquired (step S0704). Next, the compensation request is approved based on the inspection result identified by the acquired inspection result identification information, the acquired compensation request content this time, and the compensation content information acquired in association with the inspected building identification information. Or / and obtain a compensation request determination rule, which is a rule for determining what kind of compensation is to be provided when a compensation request is accepted (step S0705). What if the compensation request is approved based on the last acquired compensation request judgment rule, the acquired inspection result, the compensation request content this time, and the compensation content information, or / and what kind of compensation request is approved? It is determined whether to make compensation (step S0706).

When the system adopts the above-mentioned different configuration, the judgment result acquisition step (not shown) is to acquire the judgment result in the judgment step (step S0705) in association with the inspected building identification information associated with the compensation request. ) Further.

<Hardware configuration>
FIG. 8 is a schematic view showing an example of a configuration in a post-inspection compensation system for firefighting equipment, etc., when each of the above functional configuration requirements is realized as hardware. The function of each hardware component in the process of the present invention will be described with reference to this figure. As shown in this figure, the post-inspection compensation system for firefighting equipment, etc. of this embodiment includes a "CPU" (0801), a "nonvolatile memory" (0802) such as a hard disk drive, and a "RAM" (0803). It consists of "Network I / F" (0804). Then, they are connected to each other by a data communication path such as a "system bus" (0805) to transmit / receive and process information.

Further, the RAM (0803) provides a work area which is also a work area of the program for causing the CPU (0801) to execute a program for performing various processes. Further, the RAM (0803) is stored in the RAM (0803) and the information to be stored in the non-volatile memory (0802), and the information to be displayed on the screen can be temporarily stored.

On the non-volatile memory (0802), 1. Inspection result holding table, 2. Compensation content information retention table, 3. Compensation request judgment rule data is stored. In addition, a. Compensation request acceptance program, b. Inspection result identification information acquisition program, c. The judgment program is stored in the same way.

First, on the RAM (0803), a. The compensation request reception program is called and executed by the CPU (0801). When the compensation request data is received via the network I / F (0804), it is temporarily held in the RAM in association with the inspected building identification information. Next, b. The inspection result identification information acquisition program is called on the RAM (0803) and executed by the CPU (0801). The program refers to the inspected building identification information associated with the compensation request data temporarily held in the RAM, and uses this as a key. By referring to the inspection result holding table, the inspection result identification information is acquired, associated with the compensation request data, and temporarily held in the RAM (0803). Next, c. The determination program is called on the RAM (0803) and executed on the CPU (0801). The program is 1. Inspection result holding table and 2. The inspection result data and the compensation content data are acquired and temporarily stored in the RAM (0803) by using the inspection result identification information and the inspected building identification information as keys from the compensation content holding table. Further 3. The compensation request determination rule data is also called on the RAM (0803) and temporarily held. 2. Retained inspection result data, compensation content data, received compensation request data, 3. The compensation request judgment rule data is read into the program, the judgment result is acquired by the arithmetic processing by the CPU (0801), and is held in the RAM (0803).

<< Example 2 >>
<Overview>
The post-inspection compensation system for firefighting equipment, etc. of this embodiment can calculate the compensation fee, that is, the insurance premium, etc. from the next time onward based on the judgment result of the compensation content of this time by the system according to a predetermined rule.

<Functional configuration>
FIG. 9 is a diagram showing another example of the functional configuration in the post-inspection compensation system for firefighting equipment, etc. of this embodiment. As shown in this figure, the "compensation system after inspection of firefighting equipment, etc." (0900) of this embodiment includes "inspection result holding unit" (0901), "compensation content information holding unit" (0902), and "compensation". "Request reception unit" (0903) "Inspection result identification information acquisition unit" (0904), "Compensation request judgment rule holding unit" (0905), "Judgment unit" (0906), "Judgment result storage unit" (0907) ) And. Since these configuration requirements have already been explained above, the description thereof will be omitted. The feature of the functional configuration of the post-inspection compensation system for firefighting equipment, etc. of this embodiment is that it newly has a "compensation fee calculation rule holding unit" (0908) and a "compensation fee calculation unit" (0909).

The "compensation fee calculation rule holding unit" (0908) is used to calculate the compensation fee required for the next and subsequent compensations based on the judgment results accumulated in the judgment result storage unit and the information associated therewith. It has a function to hold the compensation fee calculation rule. Here, the "associated information" refers to the inspected building identification information associated with the compensation request, which is associated with the accumulation in the determination result storage unit (0907). The "compensation fee" includes an insurance premium in which the insured pays a certain amount to the insurer based on the insurance contract that the insurance is fire insurance or the like. Generally, the amount of insurance premium is the amount obtained by multiplying the amount of insurance by the risk. Therefore, for the same insurance amount, the lower the risk, the lower the premium amount. In automobile insurance, the rate of negligence is determined when an accident occurs, and if an accident is found, the accident coefficient is applied as the risk of the accident increases, and the insurance premium is higher than when there is no accident. However, in the case of fire insurance, it is not possible to make a mistake unless it is a gross negligence, so in principle, even if a fire occurs, the accident coefficient does not apply, so the insurance premium does not change. By the way, the requirement for the establishment of negligence is "the act to avoid the result was negligent even though the result could be avoided", but the "action to avoid" the result is "firefighting equipment in advance". It is considered that the act of inspecting such things and making each facility in a state where it can operate normally "is included. In that case, the firefighting equipment is inadequate and does not operate normally, and if you neglect to take actions to ensure normal operation, you should receive the same penalty as if you made a mistake. .. Therefore, in the post-inspection compensation system for firefighting equipment, etc. of this embodiment, the compensation fee such as insurance premiums is calculated according to a predetermined rule in consideration of the judgment result determined based on the inspection result of the firefighting equipment.

As a rule for calculating compensation fees, for example, if the result of equipment inspection is a normal operating rate of 80% and the compensation rate is judged to be 80% and compensation is paid, the insurance premium will be the compensation fee from the next time. Can be considered as a rule such as increasing by 20%. In addition, if the normal operating rate is 100%, the compensation rate will be 100%, and the compensation fee from the next time onward may be the same as the current situation. FIG. 10 is a diagram for showing a compensation fee calculation rule for the post-inspection compensation system for firefighting equipment and the like in this embodiment. As shown in this figure, the results of equipment inspection and comprehensive inspection from 2005 to 2017 are held in the inspection result holding unit. Insurance claims have been paid in 2010 and 2017, and the judgment results regarding the approval or disapproval of insurance claims and the compensation amount are output according to the compensation request judgment rules based on the inspection results and the like. At the time of payment in 2010, the inspection results up to 2010 show 85% of the equipment inspection results, but the comprehensive inspection results are 100%, so the full amount is as requested for compensation. 2 million yen has been paid. At the time of payment in 2017, there are years when the comprehensive inspection result is only 90% and 95%, so the judgment result is 80% of the 20% deduction in the approval or disapproval, and 1600 for the compensation request amount of 20 million yen. 10,000 yen is paid as compensation. Here, the compensation fee for 2018 is determined by the calculation rule as shown in FIG. Since the judgment result is that 80% of the compensation request amount will be paid at the time of payment in 2017, the compensation fee for 2018 will be weighted by 20% to the compensation fee for 2017, and the compensation fee of 120% will be calculated. In this way, the amount of compensation fee is determined based on the compensation payment record up to 2017 shown in the judgment result, but the judgment result is based on the inspection result, and the judgment result is based on the inspection result. The lower the performance, the lower the compensation payment rate and payment amount obtained as a result of the judgment. Based on the calculation rule of FIG. 11, the amount of compensation fee increases as the payment rate obtained as a result of the judgment decreases. In other words, the actual results of the inspection of firefighting equipment will be reflected in the compensation fee. In this way, the present device and system have features that ordinary fire insurance, automobile insurance, etc. do not have in that the actual results of inspections affect the compensation fee. The functions of this department are realized by the compensation fee calculation rule data stored in the non-volatile memory or RAM.

The "compensation fee calculation unit" (0909) has a function of calculating the compensation fee based on the judgment result, the information associated therewith, and the compensation fee calculation rule. Although it is the timing of calculation, it may be the time when the judgment results are accumulated or the time when the compensation payment is made. In addition, a certain grace period may be given to give an opportunity to maintain firefighting equipment, and the calculation may be made after re-inspection. The functions of this department are stored in a non-volatile memory or RAM, and are realized by a compensation fee calculation program executed by the CPU.

<Processing flow>
FIG. 12 is a flowchart showing an example of the processing flow in the post-inspection compensation system for firefighting equipment, etc. of this embodiment. Here, from the process of accepting the compensation request to the process of determining whether to accept the compensation request and / and what kind of compensation is to be performed when the compensation request is accepted (steps S1201 to S1206, not shown). Since it has already been described in the above embodiment, the description is omitted. Next, the determination result is acquired in association with the inspected building identification information associated with the compensation request (step S1207). Next, a compensation fee calculation rule for calculating the compensation fee required for the next and subsequent compensations is acquired based on the acquired determination result and the information associated therewith (step S1208). Finally, the compensation fee is calculated based on the judgment result, the information associated therewith, and the compensation fee calculation rule (step S1209).

<Hardware configuration>
FIG. 13 is a schematic view showing an example of a configuration in a post-inspection compensation system for firefighting equipment, etc., when each of the above functional configuration requirements is realized as hardware. The function of each hardware component in the process of the present invention will be described with reference to this figure. As shown in this figure, the post-inspection compensation system for firefighting equipment, etc. in this embodiment includes a "CPU" (1301), a "nonvolatile memory" (1302) such as a hard disk drive, and a "RAM" (1303). It consists of "Network I / F" (1304). Then, they are connected to each other by a data communication path such as a "system bus" (1305) to transmit / receive and process information.

Here, since the process from the start of the process to the acquisition of the determination result and the storage of the determination result in the RAM (1303) has already been described in the above embodiment, the description thereof will be omitted. When the judgment result is stored, d. The compensation fee calculation program is called on the RAM (1303) and executed by the CPU (1301). The program is stored in the RAM (1303). The judgment result data is read, and if necessary, the data of the information associated with this is read. In addition, the program is 5. Compensation fee calculation rule data is read, and the compensation fee is calculated by arithmetic processing by the CPU (1301).

<< Example 3 >>
<Overview>
The post-inspection compensation system for firefighting equipment, etc. in this example can calculate the installed firefighting equipment to be installed in the target building according to the prescribed rules based on the judgment result of the compensation content this time by the system. be.

<Functional configuration>
FIG. 14 is a diagram showing another example of the functional configuration in the post-inspection compensation system for firefighting equipment, etc. of this embodiment. As shown in this figure, the "compensation system after inspection of firefighting equipment" (1400) of this embodiment includes "inspection result holding unit" (1401), "compensation content information holding unit" (1402), and "compensation". Request reception unit "(1403)" Inspection result identification information acquisition unit "(1404)," Compensation request judgment rule holding unit "(1405)," Judgment unit "(1406)," Judgment result storage unit "(1407) ) And. Since these configuration requirements have already been explained above, the description thereof will be omitted. The feature of the functional configuration of the post-inspection compensation system for firefighting equipment in this embodiment is that it has a new "installed firefighting equipment calculation rule holding unit" (1410) and "installed firefighting equipment calculation unit" (1411). be.

The "installed firefighting equipment calculation rule holding unit" (1410) calculates the firefighting equipment to be installed in the building based on the judgment result accumulated in the judgment result storage unit (1408) and the information associated therewith. It has a function to hold the rules for calculating firefighting equipment. As an example of the rules for calculating installed firefighting equipment, if the number of equipment initially installed (for example, the number of fire extinguishers) does not meet the standards of the Firefighting Law, the compensation will not be paid in full. Complementary rules to calculate the number of equipment to be used and the number of fire extinguishers meet the criteria and the compensation is paid in full, but larger and more sophisticated sprinkler equipment can reduce the risk. If this is the case, recommended rules such as calculating as recommended equipment can be considered. 15 (A) to 15 (C) are diagrams for explaining the application of the above rule. As shown in FIG. 15A, the rule to be applied is selected depending on whether or not the payment of compensation shown in the judgment result exceeds a predetermined ratio. In FIG. 15A, this predetermined ratio is 90%. For example, if it is less than 89% of the compensation request, the complementary rule is applied. On the other hand, if the payment is 90% or more of the compensation request, the recommended rule will be applied. FIG. 15B is a diagram showing the application of the complementary rule. In this rule, the number of equipment that is insufficient to meet the installation standard number, which is the inspection result, is calculated by taking the difference between the installation standard number and the normal operation number. FIG. 15C is a diagram showing the application of the recommended rule. This rule can propose a larger scale and higher-performance equipment instead of the current equipment by using the table as shown in FIG. 15 (C). The functions of this department are realized by the installed firefighting equipment calculation rule data stored in RAM or non-volatile memory.

The "installed firefighting equipment calculation unit" (1411) has a function of calculating the firefighting equipment to be installed in the building based on the judgment result, the information associated therewith, and the installed firefighting equipment calculation rule. The functions of this department are called by RAM and realized by the installed firefighting equipment calculation program executed by the CPU.

As mentioned above, by calculating the firefighting equipment to be installed (for example, the number of firefighting equipment that is obliged to be installed but not installed), the amount of compensation payment that is the result of the judgment on the compensation request. It becomes possible to grasp the relationship with and statistically. Therefore, it is possible for an insurance company or the like to determine the level of compensation risk for an individual contract based on this relationship. When concluding a new insurance contract, it is possible to conclude a contract that is appropriate for the insurance company, etc. by calculating the compensation risk in consideration of the installation status of the equipment.

FIG. 16 is a diagram showing the distribution of firefighting equipment calculated by the complementary rule. In other words, it shows what kind of equipment was missing in the case where a fire actually occurred and compensation was paid. Looking at the figure, the frequency of supplementary equipment is relatively high in sprinkler equipment and fire extinguishing equipment. For this reason, when concluding a new insurance contract, the insurance company will investigate whether both facilities meet the installation standard number, and if it does not meet the standard, the amount of compensation payment will be deducted in advance. It is possible to take measures such as making the deduction amount higher than the general (no or less defective equipment), and making the compensation fee paid by the user higher than the general (no or less defective equipment).

<Processing flow>
FIG. 17 is a flowchart showing an example of a processing flow in the post-inspection compensation system for firefighting equipment, etc. of this embodiment. Here, from the process of accepting the compensation request to the process of determining whether to accept the compensation request and / and what kind of compensation is to be provided when the compensation request is accepted (steps S1701 to S1706, not shown). Since it has already been described in the above embodiment, the description is omitted. Next, the determination result is acquired in association with the inspected building identification information associated with the compensation request (step S1707). Next, the installation firefighting equipment calculation rule for calculating the firefighting equipment to be installed in the building is acquired based on the acquired judgment result and the information associated therewith (step S1708). Finally, the firefighting equipment to be installed in the building is calculated based on the judgment result, the information associated with the judgment result, and the installed firefighting equipment calculation rule (step S1709).

<Hardware configuration>
FIG. 18 is a schematic view showing an example of a configuration in a post-inspection compensation system for firefighting equipment, etc., when each of the above functional configuration requirements is realized as hardware. The function of each hardware component in the process of the present invention will be described with reference to this figure. As shown in this figure, the post-inspection compensation system for firefighting equipment, etc. of this embodiment includes a "CPU" (1801), a "nonvolatile memory" (1802) such as a hard disk drive, and a "RAM" (1803). It consists of "Network I / F" (1804). Then, they are connected to each other by a data communication path such as a "system bus" (1805) to transmit / receive and process information.

Here, since the process from the start of the process to the acquisition of the determination result and the storage of the determination result in the RAM (1803) has already been described in the above embodiment, the description thereof will be omitted. When the judgment result is stored, e. The installed firefighting equipment calculation program is called on the RAM (1803) and executed by the CPU (1801). The program is stored in the RAM (1803). The judgment result data is read, and if necessary, the data of the information associated with this is read. In addition, the program is 6. The installed firefighting equipment calculation rule data is read, and the firefighting equipment to be installed is calculated by arithmetic processing by the CPU (1801).
<Other Examples>
As another example, the following configuration is conceivable, although it is not described in the claims.
<Other Example 1>
An inspection result holding unit that holds the firefighting equipment inspection qualified person identification information, the inspection result identification information that identifies the inspection result of the firefighting equipment, and the inspected building identification information in association with each other.
Compensation content information holding unit that holds compensation content information that is information indicating the compensation content that is performed due to a fire etc. of the building in association with the inspected building identification information,
The compensation request reception department that accepts the compensation request that includes the content of the compensation request this time, which is the content of the compensation requested this time due to the fire of the building in association with the inspected building identification information,
It is a post-inspection compensation system for firefighting equipment, etc. In this system, the inspection result can be easily applied to the compensation procedure because the data can be easily acquired by linking it to the required compensation property.
<Other Example 2>
Further, if the inspection result identification information acquisition unit for acquiring the inspection result identification information associated with the compensation request can be accessed via the Internet or the like in the other Example 1, this can be performed from a remote location or from a plurality of bases. Data is easily available and convenient.
<Other Example 3>
Further to the other Example 2, based on the inspection result identified by the acquired inspection result identification information, the acquired current compensation request content, and the compensation content information held in association with the inspected building identification information. It is configured to include a compensation request judgment rule holding unit that holds a compensation request judgment rule, which is a rule for determining whether to approve a compensation request or / and what kind of compensation is to be provided when a compensation request is approved. It is conceivable to do. It would be convenient to make it available via the internet. By doing so, the rules necessary for determining the guarantee can be easily used remotely via the Internet or the like. It functions as a database of rules.
<Other Example 4>
Furthermore, the compensation request is approved or / or compensated based on the compensation request judgment rule held in the other Example 3, the acquired inspection result, the compensation request content this time, and the compensation content information. It is conceivable to use a post-inspection compensation system for firefighting equipment, etc., which has a judgment unit to determine what kind of compensation will be provided when the request is approved.
<Other Examples 5 Various>
Further, in the other Example 4, the judgment result accumulating unit for accumulating the judgment result in the judgment unit in association with the inspected building identification information associated with the compensation request may be further provided, or the judgment result accumulating unit may be provided. Compensation fee calculation rule holding unit that holds the compensation fee calculation rule for calculating the compensation fee required for the next and subsequent compensation based on the judgment result accumulated in and the information associated with it, and the judgment result And the compensation fee calculation unit that calculates the compensation fee based on the information associated with it and the compensation fee calculation rule, and further, the judgment result accumulated in the judgment result storage unit and the judgment result The installation firefighting equipment calculation rule holding unit that holds the installation firefighting equipment calculation rule for calculating the firefighting equipment to be installed in the building based on the information associated with this, the judgment result and its association It is configured to have an installation firefighting equipment calculation unit that calculates the firefighting equipment to be installed in the building based on the information and the installation firefighting equipment calculation rule, and the inspection result holding unit collects the inspection result for the building. It is conceivable to configure the building to further have a rating inspection result holding means for holding the rating inspection result which is held in association with the rating indicating how much the object is equipped with disaster prevention against fire. In addition, the compensation request acceptance step that accepts the compensation request that is the content of the compensation requested this time due to the fire of the building in association with the inspected building identification information and the content of the compensation request this time, and the firefighting equipment The inspection result acquisition section step to acquire the inspection result identification information by associating the inspection qualified person identification information, the inspection result identification information for identifying the inspection result of the firefighting equipment, and the inspected building identification information, and the inspection result acquisition department step and the inspection result building identification information are associated with each other. The operation method of the compensation system after inspection of firefighting equipment, etc., which consists of the compensation content information acquisition step for acquiring the compensation content information, which is the information indicating the compensation content performed due to the fire of the building, and further, this operation method In addition, the inspection result identification information acquisition section step that acquires the inspection result identification information associated with the compensation request, the inspection result identified by the acquired inspection result identification information, the acquired current compensation request content, and the inspected building. Compensation request judgment, which is a rule for determining whether to approve a compensation request based on the compensation content information acquired in association with the object identification information and / and what kind of compensation is to be provided when the compensation request is approved. It is configured to include the compensation request judgment rule acquisition step to acquire the rule, and further, this operation method includes the acquired compensation request judgment rule, the acquired inspection result, the compensation request content this time, and the compensation content. It is an operation method of the post-inspection compensation system for firefighting equipment, etc., which has a judgment step to determine whether to approve the compensation request based on the information and / and what kind of compensation should be provided when the compensation request is approved. Can be considered.

0201 Inspection result holding unit 0202 Compensation content information holding unit 0203 Compensation request receiving unit 0204 Inspection result identification information acquisition unit 0205 Compensation request judgment rule holding unit 0206 Judgment unit

Claims (11)

An inspection result holding unit that holds the firefighting equipment inspection qualified person identification information, the inspection result identification information that identifies the inspection result of the firefighting equipment, and the inspected building identification information in association with each other.
The compensation content information holding unit that holds the compensation content information, which is the information indicating the compensation content that is performed due to the fire of the building in association with the inspected building identification information,
The compensation request reception department that accepts the compensation request that includes the content of the compensation request this time, which is the content of the compensation requested this time due to the fire of the building in association with the inspected building identification information,
The inspection result identification information acquisition unit that acquires the inspection result identification information associated with the compensation request,
The compensation request is approved or approved based on the inspection result identified by the acquired inspection result identification information, the acquired compensation request content, and the compensation content information held in association with the inspected building identification information. / And the compensation request judgment rule holding unit that holds the compensation request judgment rule, which is the rule for judging what kind of compensation is to be provided when the compensation request is approved,
Whether or not to approve the compensation request based on the retained compensation request judgment rule, the acquired inspection result, the compensation request content this time, and the compensation content information, and / and what kind of compensation is provided when the compensation request is approved. A judgment unit that decides whether to do it,
Post-inspection compensation system for firefighting equipment, etc. The post-inspection compensation system for firefighting equipment, etc. according to claim 1, further comprising a judgment result storage unit that stores the judgment result in the judgment unit in association with the inspected building identification information associated with the compensation request. Compensation fee calculation rule holding unit that holds the compensation fee calculation rule for calculating the compensation fee required for the next and subsequent compensation based on the judgment result accumulated in the judgment result storage unit and the information associated with it. When,
The compensation fee calculation unit that calculates the compensation fee based on the judgment result, the information associated with it, and the compensation fee calculation rule,
The post-inspection compensation system for firefighting equipment, etc. according to claim 2. Installation firefighting equipment calculation rule holding unit that holds the installation firefighting equipment calculation rule for calculating the firefighting equipment to be installed in the building based on the judgment result accumulated in the judgment result storage unit and the information associated with it When,
The installation firefighting equipment calculation department that calculates the firefighting equipment to be installed in the building based on the judgment result and the information associated with it and the installation firefighting equipment calculation rule,
The post-inspection compensation system for firefighting equipment, etc. according to claim 2 or 3. Claims 1 to claim that the inspection result holding unit further has a rating inspection result holding means for holding a rating inspection result that holds the inspection result in association with a rating indicating how much the building is equipped with disaster prevention against fire. Compensation system after inspection of firefighting equipment, etc. described in any one of 4. Compensation request acceptance step that accepts the compensation request that is the content of the compensation requested this time due to the fire of the building in association with the inspected building identification information, which is the request including the content of the compensation request this time.
The inspection result acquisition department step to acquire the firefighting equipment inspection qualified person identification information, the inspection result identification information for identifying the inspection result of the firefighting equipment, and the inspected building identification information in association with each other.
Compensation content information acquisition step to acquire compensation content information, which is information indicating the compensation content performed due to the fire of the building in association with the inspected building identification information,
The inspection result identification information acquisition unit step for acquiring the inspection result identification information associated with the compensation request, and the inspection result identification information acquisition unit step,
Whether to approve the compensation request based on the inspection result identified by the acquired inspection result identification information, the acquired compensation request content this time, and the compensation content information acquired in association with the inspected building identification information, or / And the compensation request judgment rule acquisition step to acquire the compensation request judgment rule, which is the rule to judge what kind of compensation is to be performed when the compensation request is accepted, and
Whether or not to approve the compensation request based on the acquired compensation request judgment rule, the acquired inspection result, the compensation request content this time, and the compensation content information, and / and what kind of compensation is provided when the compensation request is approved. Judgment steps to decide whether to do,
How to operate the compensation system after inspection of firefighting equipment, etc. The operation method of the post-inspection compensation system for firefighting equipment, etc. according to claim 6, further comprising a judgment result acquisition step of acquiring the judgment result in the judgment step in association with the inspected building identification information associated with the compensation request. Acquire the compensation fee calculation rule for calculating the compensation fee required for the next and subsequent compensation based on the judgment result acquired in the judgment result acquisition step and the information associated with it Acquisition of the compensation fee calculation rule Steps and
Compensation fee calculation step to calculate compensation fee based on the judgment result and the information associated with it and the compensation fee calculation rule,
The operation method of the post-inspection compensation system for firefighting equipment, etc. according to claim 7. Acquire the installation firefighting equipment calculation rule to calculate the firefighting equipment to be installed in the building based on the judgment result acquired in the judgment result acquisition step and the information associated with it. Steps and
The installation firefighting equipment calculation step that calculates the firefighting equipment to be installed in the building based on the judgment result and the information associated with it and the installation firefighting equipment calculation rule,
The operation method of the post-inspection compensation system for firefighting equipment, etc. according to claim 7 or 8. The inspection result acquisition step is claimed from claim 5 which further has a rating inspection result acquisition substep for acquiring the rating inspection result, which holds the inspection result in association with the rating indicating how much the building is equipped with fire prevention. The operation method of the post-inspection compensation system for firefighting equipment, etc. according to any one of item 8. Compensation request acceptance step that accepts the compensation request that is the content of the compensation requested this time due to the fire of the building in association with the inspected building identification information, which is the request including the content of the compensation request this time.
The inspection result acquisition department step to acquire the firefighting equipment inspection qualified person identification information, the inspection result identification information for identifying the inspection result of the firefighting equipment, and the inspected building identification information in association with each other.
Compensation content information acquisition step to acquire compensation content information, which is information indicating the compensation content performed due to the fire of the building in association with the inspected building identification information,
The inspection result identification information acquisition unit step for acquiring the inspection result identification information associated with the compensation request, and the inspection result identification information acquisition unit step,
Whether to approve the compensation request based on the inspection result identified by the acquired inspection result identification information, the acquired compensation request content this time, and the compensation content information acquired in association with the inspected building identification information, or / And the compensation request judgment rule acquisition step to acquire the compensation request judgment rule, which is the rule to judge what kind of compensation is to be performed when the compensation request is accepted, and
Whether or not to approve the compensation request based on the acquired compensation request judgment rule, the acquired inspection result, the compensation request content this time, and the compensation content information, and / and what kind of compensation is provided when the compensation request is approved. Judgment steps to decide whether to do,
Operation program of the compensation system after inspection of firefighting equipment, etc. to make the computer execute.

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