JP7126912B2 - Insurance coverage systems and programs - Google Patents

Description

The present invention relates to insurance application systems and programs.

There is an insurance application system in which if an appliance such as a home appliance is insured, in the event of a failure or the like, it is possible to receive services such as repair and insurance money.

For example, in the home appliance maintenance service system described in Patent Document 1, a home appliance monitoring device that monitors home appliances and an insurance contract management device that manages insurance contract business related to the home appliances are connected by a network, and the home appliance monitoring device Information is automatically exchanged between the result of failure diagnosis and the insurance contract management device.

In addition, the insurance content adjustment system described in Patent Document 2 adjusts the insurance content determined based on the acquired state data of the state of the insured object, the degree of effort on the part of the policyholder to reacquire the state data, By adjusting the policyholder's efforts to reduce risk, premiums are set appropriately for insurance objects that will become less risky in the future.

JP-A-2004-5371 JP-A-2002-73990

Normally, when purchasing insurance, it is a premise that equipment such as home appliances is operating in a normal state. However, there are cases where there are people who take out insurance while a device is out of order, and then fraudulently apply the insurance by falsely claiming that the device is out of order. On the other hand, it takes a lot of labor and is difficult to conduct an individual investigation to see if the equipment is operating normally when taking out insurance.
SUMMARY OF THE INVENTION It is an object of the present invention to provide an insurance application system and the like that can prevent unauthorized use of insurance on equipment.

Thus, according to the present invention, an acquisition means for acquiring a moving image taken in an operating state of a device to be insured as operation information that is information relating to the operating state of the device, and information specifying the device and the operation information. an output means for outputting operation information for verifying whether or not the operating state of the equipment was normal when the insurance was applied, and an output means . and analysis means for comparing the sound based on the operation information outputted by and the sound in the normal state by frequency analysis .

Here, the information specifying the device can be a captured image. In this case, the procedure for taking out insurance can be simplified .
Further , the captured images can be still images of the device captured from different angles. In this case, the procedure for taking out insurance can be further simplified .
Then , the analysis means can further confirm whether the device based on the information specifying the device is the same as the device captured by the operation information. As a result, it is possible to further prevent the device from being illegally insured.
In addition, the analysis means can further confirm whether or not the operating state of the equipment is normal when insurance is applied. In this case, it is possible to prevent insurance from being applied even though the device is in a normal operating state.

Further, according to the present invention, acquisition means for acquiring operation information, which is information relating to the operating state of the equipment to be insured, storage means for storing the information specifying the equipment and the operation information in association with each other, and an output means for outputting operation information for verifying whether or not the operation state of the equipment was normal when the insurance was applied, the operation information being used by the equipment. An insurance coverage system characterized by power consumption and/or power consumption is provided.
Furthermore, according to the present invention, the computer is provided with an acquisition function of acquiring a moving image taken in the operating state of the device to be insured as operation information, which is information relating to the operating state of the device, and information specifying the device. and operation information in association with each other, and an output function for outputting the operation information to verify whether or not the operating state of the device was normal when the insurance was applied. and a function of comparing, by frequency analysis, the sound based on the operation information output by the output function and the sound in the normal state .

ADVANTAGE OF THE INVENTION According to this invention, the insurance application system etc. which can control that an apparatus is insured illicitly can be provided.

It is a figure which shows the structural example of the insurance application system in this Embodiment. It is the figure shown about the example of the schematic operation|movement of an insurance application system. It is a block diagram showing a functional configuration example of an insurance application system. 6 is a flow chart describing operations performed by a mobile terminal and a management server when taking out insurance in the present embodiment. It is the figure which showed the screen which selects the kind of apparatus on the display corresponding to a display part. FIG. 10 is a diagram showing a screen displayed when capturing a still image in order to acquire device information; FIG. 10 is a diagram showing a screen displayed when shooting a moving image in order to acquire motion information; 4 is a diagram showing an example of subscriber information, device information, and operation information stored in a storage unit; FIG. 6 is a flow chart describing operations performed by a mobile terminal and a management server when insurance is applied in this embodiment. (a) to (b) are diagrams showing the trajectory of the movement of the cleaning robot. FIG. 4 is a diagram showing a frequency spectrum of an audio signal of operation sound; It is the figure which showed about the power consumption of the apparatus.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

<Description of the entire insurance application system>
FIG. 1 is a diagram showing a configuration example of an insurance application system 1 according to this embodiment.
As illustrated, in the insurance application system 1 of the present embodiment, mobile terminals 20a and 20b, terminal devices 30a and 30b, and a management server 40 are connected via a network 70, a network 80, and an access point 90. It is composed by
Moreover, hereinafter, when the mobile terminal 20a and the mobile terminal 20b are not distinguished, they may simply be referred to as the "mobile terminal 20". Furthermore, when the terminal device 30a and the terminal device 30b are not distinguished, they may simply be referred to as the "terminal device 30".
Although only two mobile terminals 20 and two terminal devices 30 are shown in FIG. 1, any number of them may be used.

The mobile terminal 20 is, for example, a mobile terminal such as a mobile computer, mobile phone, smart phone, or tablet. Mobile terminal 20 connects to access point 90 for wireless communication. The mobile terminal 20 connects to the network 70 for wired communication via the access point 90 . The mobile terminal 20 is a mobile terminal owned by a person who takes out procedures for taking out insurance for a device such as a home appliance. In addition, hereinafter, this person may be referred to as an "insurance subscriber".

The terminal device 30 is, for example, a so-called general-purpose personal computer (PC). The terminal device 30 can perform various information processing by operating various application software under the control of an OS (Operating System).
In the present embodiment, terminal device 30 is a terminal device owned by an insurance subscriber, similar to mobile terminal 20 .

The management server 40 is a server computer that manages the insurance application system 1 as a whole. Although details will be described later, for example, the management server 40 accepts a procedure for taking out insurance for equipment such as home appliances. Also, when a failure or the like occurs in the equipment, processing is performed to receive insurance coverage.

The mobile terminal 20, the terminal device 30, and the management server 40 each include a CPU, which is computing means, and a main memory and HDD (Hard Disk Drive), which are storage means. Here, the CPU executes various software such as an OS (basic software) and application programs (applied software). The main memory is a storage area for storing various software and data used for executing the software, and the HDD is a storage area for storing input data to various software and output data from various software.
Further, the mobile terminal 20, the terminal device 30 and the management server 40 have a communication interface (hereinafter referred to as "communication I/F") for communicating with the outside, a display mechanism including a video memory, a display, and the like. , an input button, a touch panel, a keyboard, and other input mechanisms.
Furthermore, the mobile terminal 20 is equipped with a camera. It may also have functions such as GPS (Global Positioning System).

The network 70 is communication means used for information communication between the mobile terminal 20, the terminal device 30 and the management server 40, and is, for example, the Internet.

The network 80, like the network 70, is also communication means used for information communication between the mobile terminal 20, the terminal device 30 and the management server 40, and is, for example, a LAN (Local Area Network).

The access point 90 is a device that performs wireless communication using a wireless communication line with respect to the network 70 that communicates by wire. The access point 90 mediates transmission and reception of information between the mobile terminal 20 and the network 70 .
Available types of wireless communication lines include mobile phone lines, PHS (Personal Handy-phone System) lines, Wi-Fi (Wireless Fidelity), Bluetooth (registered trademark), ZigBee, and UWB (Ultra Wideband) lines. is.

<Overview of Operation of Insurance Application System 1>
FIG. 2 is a diagram showing an example of a schematic operation of the insurance application system 1. As shown in FIG.
Although the terminal device 30 can perform the same operation, here, only the differences of the terminal device 30 will be described, and the portable terminal 20 will be described as a representative.

First, the insured person operates the mobile terminal 20 to acquire information specifying the equipment to be insured (1A). The information specifying the equipment to be insured includes, for example, the manufacturer that manufactured the equipment, the model number of the equipment, the serial number of the equipment, and the like. In the present embodiment, the information specifying the device is acquired as a still image by a camera built into the mobile terminal 20, for example. Hereinafter, the information specifying the device may be referred to as "device information". In this case, the device information is a photographed still image.

Next, the insured person operates the mobile terminal 20 to acquire operation information, which is information regarding the operating state of the device to be insured (1B). The insured person acquires the motion information by, for example, shooting a moving image with a camera built into the mobile terminal 20 . That is, in this case, the operation information is a moving image captured while the device is in operation. In the illustrated example, the operation information indicates a case where a moving image of television in operation is captured.

If the terminal device 30 does not have a built-in camera, in order to acquire the device information and operation information, for example, a still image or moving image is taken with a digital camera and stored in a memory card such as an SD card. Then, the device information and operation information can be acquired by reading the photographed data in the SD card in the terminal device 30 .

Further, the insurance subscriber operates mobile terminal 20 to transmit device information and operation information to management server 40 via access point 90, network 70 and network 80 (1C). At this time, information on the insurance subscriber is also transmitted. The information about the insurance subscriber is information that identifies the insurance subscriber. In addition, hereinafter, this information may be referred to as "subscriber information".

Then, the management server 40 associates the transmitted device information, operation information and subscriber information and stores them in the HDD or the like (1D).

Further, when a device failure or the like occurs and the insurance subscriber wishes to be covered by insurance, the insurance subscriber applies for insurance coverage from the portable terminal 20 (1E). In this case, the contents of the application are sent to the management server 40 .
The management server 40 outputs operation information from the HDD or the like based on the subscriber information or the like (1F).
Then, from the operation information, it is determined whether the equipment was in a normal state or in a malfunctioning state at the time of taking out the insurance (1G). Although details will be described later, this may be determined by the management server 40, or by a person watching a moving image or listening to a sound accompanying the moving image.

Then, if the equipment is in a normal state at the time of taking out the insurance, the insurance is applied for payment of the insurance money, repair of the equipment, etc. (1H). In this case, although the details will be described later, a predetermined procedure is performed for the insurer.

Next, the detailed functional configuration and operation of the insurance application system 1 of the present embodiment will be described.

<Description of the functional configuration of the insurance application system 1>
FIG. 3 is a block diagram showing a functional configuration example of the insurance application system 1. As shown in FIG.
Here, among the various functions of the insurance application system 1, those related to the present embodiment are selected and illustrated.
In the insurance application system 1, the mobile terminal 20 includes a transmitting/receiving unit 21 for transmitting/receiving information, a display unit 22 for displaying images, an input unit 23 for inputting information, and a photographing unit 24 for photographing.

Transmitting/receiving unit 21 is, for example, a communication I/F, and transmits/receives information to/from management server 40 via access point 90 , network 70 and network 80 .

The display unit 22 is, for example, a touch panel. In this case, the display unit 22 includes a display for displaying various information and a position detection sheet for detecting the position touched by a finger, stylus pen, or the like. As a means to detect the contact position, what kind of method is used, such as a resistive film method that detects based on the pressure caused by contact, or a capacitance method that detects based on the static electricity of the contacted object. good too. Also, the display unit 22 may be a liquid crystal display or the like.

The input unit 23 is, for example, the touch panel described above. That is, in this case, the touch panel has the functions of both the display section 22 and the input section 23 . Also, the input unit 23 may be composed of a keyboard, a mouse, or the like.

The photographing unit 24 is a camera that photographs a device that is a photographing target. The photographing unit 24 includes an optical system that converges an image of an object to be photographed, and an image sensor that detects the image converged by the optical system.
The optical system is composed of a single lens or a combination of multiple lenses. For example, a twin lens is used in which two hemispherical lenses are used and combined with their spherical sides facing each other. Various unnecessary aberrations are appropriately removed by the combination of lenses and the coating applied to the lens surfaces. The image sensor is configured by arranging imaging elements such as CCDs (Charge Coupled Devices) and CMOSs (Complementary Metal Oxide Semiconductors).

The terminal device 30 includes a transmitting/receiving section 31 having functions similar to those of the mobile terminal 20 , a display section 32 and an input section 33 .
The transmitting/receiving section 31 is, for example, a communication I/F and has the same function as the transmitting/receiving section 21 .
The display unit 32 is, for example, a liquid crystal display for PC. However, it is not limited to the liquid crystal type, and any type having a function of displaying an image may be used. Therefore, for example, it may be a liquid crystal television, a cathode ray tube display, an organic EL display, a plasma display, a projector, or the like.
The input unit 33 is, for example, an input device such as a keyboard or mouse.

The management server 40 includes a transmitting/receiving unit 41 for communicating with the outside, a storage unit 42 for storing predetermined information, an output unit 43 for outputting motion information, an analysis unit 44 for analyzing motion information, and an insurance applicator. and an application unit 45 for performing procedures.

The transmitting/receiving unit 41 is, for example, a communication I/F, communicates with the mobile terminal 20 and the terminal device 30, and exchanges predetermined information. Further, the transmitting/receiving unit 41 is an example of an acquiring unit, and acquires operation information, which is information regarding the operating state of the device to be insured.

The storage unit 42 is an example of storage means, and stores information specifying a device and operation information in association with each other. In addition to these information, subscriber information is further associated and stored. The subscriber information may be any information that can identify the subscriber, such as the subscriber's postal code, address, name, sex, age, telephone number, e-mail address, and insurance number.

The output unit 43 is an example of output means, and outputs operation information for verifying whether or not the operation state of the device was normal when the insurance was applied.

The analysis unit 44 is an example of analysis means, and analyzes the acquired motion information. In addition, it is determined whether or not the operating condition of the equipment was normal at the time of taking out the insurance. In other words, it is determined from the operating state whether the equipment was in a normal state or in a faulty state at the time of taking out insurance.

The application unit 45 performs procedures for applying insurance when the equipment is in a normal state when the insurance is subscribed. Specifically, for example, the insurance payment is made. For example, the money may be transferred to the bank account of the insurance company, or a postal money order or the like may be sent to the insurance company. In addition, the procedures for applying insurance include, for example, the repair of equipment. In this case, the application unit 45 performs procedures such as dispatching a serviceman to repair the device.

<Explanation of the operation when taking out insurance>
Next, in the present embodiment, an example of operations of mobile terminal 20 and management server 40 when taking out insurance will be described in more detail.
FIG. 4 is a flow chart illustrating operations performed by the mobile terminal 20 and the management server 40 when taking out insurance in this embodiment.
First, the insurance subscriber activates an application such as a browser running on the mobile terminal 20 . Then, the user connects to the website provided by the management server 40, where the procedure for the desired insurance can be performed (step 101). In this case, when an operation such as a touch is performed on the touch panel, which is the input unit 23 , a corresponding screen is displayed on the touch panel, which is also the display unit 22 .

Next, the policyholder uses the input unit 23 to enter the policyholder information (step 102). The subscriber inputs subscriber information through the input section 23 and the entered subscriber information is displayed on the display section 22 .

Also, the insurance subscriber acquires device information as information specifying the device to be insured using the photographing unit 24 (step 103). As described above, the device information includes the manufacturer that manufactured the device, the model number of the device, the serial number of the device, and the like, but it may also be a warranty card, a statement of delivery, and the like.
Alternatively, for example, the device information can be still images of the device taken from different angles. One still image may be used, but a plurality of still images is more preferable from the viewpoint of preventing fraud. In this case, for example, the plurality of still images consists of three shots of the device taken from the front, right side, and left side. By simplifying the device information, the procedure for purchasing insurance is simplified, making it easier to purchase insurance.

5 and 6 are diagrams showing screens displayed on the mobile terminal 20 when acquiring device information.
Among them, FIG. 5 is a diagram showing a screen for selecting the type of equipment on the display 210 corresponding to the display unit 22. As shown in FIG. In this case, a list of devices is displayed as a menu 212 along with the message 211 "Please select the device to insure." By selecting a device name such as a television or a refrigerator from the menu 212, the screen shown in FIG. 6 is displayed.

FIG. 6 is a diagram showing a screen displayed when capturing a still image to acquire device information.
In this case, the screen displayed when television is selected from the menu 212 in FIG. 5 is shown. Then, a photographed image is displayed on the display 210 along with a message 213 that reads, "Please take a picture of a label printed with the manufacturer, model number, and serial number of the television. In the case of a television, the label is attached to the back." A display window 214 is displayed. Then, when the insured person takes a picture with the camera built in the portable terminal 20 corresponding to the photographing unit 24, the photographed image is displayed in the window 214 as shown.
Further, as described above, when the device information is a still image of the device photographed from different angles, the still image is displayed on the window 214 .

Returning to FIG. 4, the insurer then uses the imaging unit 24 to obtain operation information, which is information regarding the operating state of the insured device (step 104).
FIG. 7 is a diagram showing a screen displayed when shooting a moving image in order to acquire motion information.
The illustrated screen is displayed when the OK button 215 is pressed from the screen in FIG. Then, on the display 210, a window 217 displaying a photographed image is displayed together with a message 216 stating, "Check the operating state of the television. Please turn on the power of the television and shoot the television program for one minute or longer." ,Is displayed. Then, when the insured person takes a picture with the camera built into the portable terminal 20, the photographed image is displayed in the window 217 as shown. This captured image is a moving image with sound. When the OK button 218 is pressed, the insurance premium can be paid as described below.

Returning to FIG. 4 again, the insurance subscriber pays the insurance premium (step 105).
For the payment of insurance premiums, for example, payment by credit card, bank transfer, payment at a convenience store, or the like can be used. Also, a method can be used in which the mobile terminal 20 is provided with an electronic money function and the insurance premium is paid using this electronic money function. In this case, the procedure for paying insurance premiums can be simplified.

Next, the transmitting/receiving section 21 transmits the subscriber information, device information, and operation information to the management server 40 (step 106).
In the management server 40, the transmitting/receiving section 41 receives the subscriber information, the equipment information, and the operation information, and determines whether or not predetermined information including insurance payment is complete (step 107).
As a result, if they are complete (Yes at step 107), the insurance is accepted (step 108). Then, the subscriber information, equipment information, and operation information are stored in the storage unit 42 (step 109). At this time, the mobile terminal 20 may be notified that the insurance has been accepted. Furthermore, the insurance number and insurance period, which will be described later with reference to FIG. 8, may be notified.
On the other hand, if they are not aligned (No at step 107), the process returns to step 102. FIG. That is, the insured person is notified that it is necessary to input predetermined information, and is prompted to re-input the information.

FIG. 8 is a diagram showing an example of subscriber information, device information, and operation information stored in the storage unit 42. As shown in FIG.
In the illustrated example, name, postal code (ZIP), address, and e-mail address are stored as subscriber information. In addition to this, the insurance number. and insurance period are stored. An insurance number is automatically assigned when insurance coverage is approved. The insurance period is the period during which the device is insured, as described above.
As for the device information and the operation information, the file names in which they are stored are stored. This information can be obtained by referring to the file corresponding to this file name.

<Explanation of operation when insurance is applied>
Next, in the present embodiment, an example of operations of mobile terminal 20 and management server 40 when applying insurance will be described in more detail.
FIG. 9 is a flow chart illustrating operations performed by the mobile terminal 20 and the management server 40 when insurance is applied in this embodiment.
First, the insurance subscriber activates an application such as a browser running on the mobile terminal 20 . Then, the user connects to the website provided by the management server 40, where the procedure for insurance application can be performed (step 201).

Next, the insurance subscriber uses the input unit 23 of the mobile terminal 20 to enter subscriber information (step 202). This subscriber information is the information such as the name and address that was input when subscribing to the insurance. Also, the insurance number or the like described in FIG. 8 may be input. At this time, failure, loss, theft, etc. may be entered as reasons for insurance coverage.
Then, the insurance subscriber transmits the subscriber information to the management server 40 (step 203). Transmission is performed by the transmitting/receiving section 21 . This means that you have applied for insurance coverage.

The transmitted subscriber information is acquired by the transmitter/receiver 41 (step 204). Then, the output unit 43 outputs device information and operation information based on the subscriber information (step 205).
Next, the analysis unit 44 determines whether or not the device information and the operation information match (step 206). That is, it is confirmed whether the device according to the device information is the same as the device used for shooting the moving image. In addition, it is determined whether or not the equipment selected at the time of taking out the insurance is photographed. Since the analysis unit 44 can acquire the manufacturer, model number, etc. of the device from the device information, it is possible to acquire the shape, color, etc. of the device that conforms to this. This may be prepared in advance or obtained from the Internet or the like. By performing image analysis or the like on the basis of the shape, color, and the like of the acquired device, it is possible to determine whether or not the devices captured by the motion information are the same.

As a result, if the device information and the operation information match (Yes in step 206), the analysis unit 44 next determines whether the device was in a normal operating state when the insurance was insured based on the operation information. (step 207). Although the details will be described later, at this time, the analysis unit 44 compares the motion based on the moving image information and the normal motion. Further, the analysis unit 44 compares the sound based on the moving image information and the sound in the normal state by frequency analysis.

If the operating state is normal (Yes in step 207), the analysis unit 44 determines whether the device is in a normal operating state when insurance is applied (step 208). When insurance is applied, that is, the analysis unit 44 further confirms whether or not the operating state of the device is normal when the insurance is applied. In this case, the time of application of the insurance is the present time. That is, at this point in time, if the equipment is not operating normally, the insurance will apply, but if the equipment is operating normally, the insurance will of course not apply.
As a result, if the operating state of the device is not normal when the insurance is applied (No in step 208), the applying unit 45 performs the procedure for applying the insurance (step 209). In other words, as described above, the procedure for transferring money to the bank account of the insurer, etc., and the payment of the insurance money are performed.
On the other hand, in step 206, if the device information and operation information do not match (No in step 206), if the operation state is not normal in step 207 (No in step 207), and in step 208, If the operating state of the device is normal when insurance is applied (Yes in step 208), the application unit 45 determines not to apply insurance (step 210).

Hereinafter, a method for determining whether or not the operating state of the device is normal in step 207 of FIG. 9 will be described.

(tv set)
First, the case where the device is a television will be described. In the case of television, the analysis unit 44 determines whether or not the video and audio are normal based on the operation information.
The analysis unit 44 judges that the operating state of the device is normal if the video is displayed normally without disturbance and the sound is normally output without noise. On the other hand, the analysis unit 44 determines that the operating state of the device is not normal when the image is not displayed or when the image is disturbed. Also, the analysis unit 44 determines that the operating state of the device is not normal when no sound is output or when there is a lot of noise.

(cleaning robot)
Next, a case where the device is a cleaning robot will be described. In the case of the cleaning robot, the analysis unit 44 determines whether or not the trajectory of the movement of the cleaning robot is normal from the motion information.
10(a) and 10(b) are diagrams showing the trajectory of the movement of the cleaning robot.
10(a) and 10(b) show a trajectory K when the cleaning robot moves from the start point S to the end point E in the room R. FIG. At this time, the four sides representing the room R are wall surfaces.
FIG. 10(a) shows a trajectory K when the vehicle operates in regular running as a running pattern. First, it advances from the starting point S along one side of the room R, and when it approaches the wall surface, it is reversed at a predetermined distance L, and advances in the opposite direction from the beginning. Then, when it approaches the wall surface again, it reverses over a predetermined distance L and travels in the same direction as the beginning. After that, this process is repeated, and when the vehicle travels all over the room R, it finally returns to the end point E near the start point S.

Further, FIG. 10(b) shows a locus K when the vehicle is operated in random running as a running pattern. It first proceeds from a starting point S in any arbitrary direction. When approaching the wall surface, the light travels in an arbitrary direction so as to be reflected, and this is repeated thereafter. After running for a predetermined running time or running distance, the movement stops and this becomes the end point E.

Note that the running pattern is not limited to this. For example, spiral driving that runs in a spiral shape around the starting point S, or after driving a certain distance in a straight line, it randomly runs in a narrow range around it for a certain period of time, then moves to straight running again, and then repeats this. Other running patterns such as random running may be used.

The analysis unit 44 determines whether the trajectory of the movement of the cleaning robot matches such a running pattern. Then, when the running patterns match, the analysis unit 44 determines that the operating state of the equipment is normal. On the other hand, if the running patterns do not match, the analysis unit 44 determines that the operating state of the equipment is not normal. For example, when a cleaning robot simply goes back and forth in the same place, it is determined that it is not in a normal state. The analysis unit 44 also judges that the state is not normal when the movement is very slow or when the movement stops unnaturally.

(refrigerator, washing machine)
Furthermore, a case where the device is a refrigerator or a washing machine will be explained. Refrigerators and washing machines these days often have a self-diagnosis function, and when an abnormality is detected, an error code is displayed or a warning lamp is turned on. Therefore, the analysis unit 44 determines whether or not the device is operating in such a state. If the device is operating without displaying an error code or turning on the warning light, the analysis unit 44 determines that the device is operating normally. On the other hand, when the error code is displayed and the warning light is on, the analysis unit 44 determines that the operating state of the device is not normal.
Note that this method can be applied not only to refrigerators and washing machines, but also to equipment that has a self-diagnostic function and displays an error code and lights a warning lamp when an abnormality is detected.

(kitchenware)
Also, the case where the appliance is a cooking utensil will be explained. Examples of cooking utensils include microwave ovens and rice cookers. In the case of cooking utensils, the analysis unit 44 determines whether or not cooking is normally performed from the operation information. In the case of a microwave oven or a rice cooker, steam is generated in the food after cooking. Therefore, for example, the analysis unit 44 determines the presence or absence of steam in the food after cooking. Then, the analysis unit 44 determines that the operating state of the device is normal when steam is generated in the cooked food. On the other hand, if the cooked food does not generate steam, the analysis unit 44 determines that the operating state of the device is not normal.

(air conditioner)
Furthermore, a case where the device is an air conditioner will be described. In the case of an air conditioner, the analysis unit 44 determines whether or not the operating sound is normal based on the operating information. To determine whether the operation sound is normal or not, for example, the audio signal of the operation sound is subjected to inverse Fourier transform, the frequency spectrum is obtained, and frequency analysis is performed.
FIG. 11 is a diagram showing the frequency spectrum of the audio signal of the operation sound.
Here, the horizontal axis represents frequency and the vertical axis represents spectral intensity. That is, the frequency spectrum indicates the relationship between the frequency and the intensity of the frequency component contained in the operating sound.
In the illustrated example, the solid line indicates the frequency spectrum of the normal operation sound, and the dotted line indicates the frequency spectrum of the abnormal operation sound. When these two frequency spectra are compared, peaks P1, P2, and P3 appear in the abnormal case, and it can be seen that the frequency spectrum is different from the normal case. This means that abnormal noise is occurring.

The analysis unit 44 determines whether or not the peaks P1 to P3 generated for the abnormal noise are present. If the peaks P1 to P3 do not exist, the analysis unit 44 determines that the operating state of the device is normal. On the other hand, if the peaks P1 to P3 are present, the analysis unit 44 determines that the operating state of the device is not normal.
The method of determining whether the operation sound is normal and whether the state of the device is normal can also be applied to other devices. For example, it is effective for determining the state of equipment such as the above-mentioned cleaning robot, refrigerator, washing machine, cooking utensils, and AV equipment such as speakers and CD players.

(power consumption, power consumption)
Next, a method for determining whether or not the operating state of the device was normal based on power consumption and power consumption will be described. In this case, it is necessary to acquire the power consumption and power consumption amount used by the device as the operating state.
FIG. 12 is a diagram showing the power consumption of equipment.
Here, the horizontal axis represents time, and the vertical axis represents power consumption. The illustrated example shows power consumption for a television.
In the illustrated example, the power consumption in the normal case is indicated by a solid line, and the power consumption in the abnormal case is indicated by a dotted line. Comparing these two power consumptions, it can be seen that the power consumption is almost constant in the normal case, while the change in power consumption is large in the abnormal case.
When the power consumption is substantially constant in this manner, the analysis unit 44 determines that the operating state of the device is normal. On the other hand, when the change in power consumption is large, the analysis unit 44 determines that the operating state of the device is not normal.
Also, power consumption is greater when the device is not in a normal operating state than when it is in a normal state. Therefore, the analysis unit 44 may make the above determination by integrating power consumption in a predetermined time range and comparing it with the rated power consumption. Further, the analysis unit 44 can grasp normal power consumption in advance and determine whether or not the difference from the acquired power consumption is equal to or greater than a threshold.
In addition, in FIG. 12, although power consumption was demonstrated, it is the same also with power consumption. In other words, the power consumption is greater when the device is not in a normal operating state than when it is in a normal state. The analysis unit 44 grasps the normal power consumption amount in advance, and determines whether or not the operating state of the device is normal based on whether or not the difference from the acquired power consumption amount is equal to or greater than a threshold. be able to.
Note that the method of determining whether the state of the device is normal or not based on the power consumption and the amount of power consumption can be applied regardless of the device.

According to the embodiment described in detail above, it is possible to provide the insurance application system 1 capable of suppressing fraudulent insurance of equipment. In addition, according to this form, since the verification is performed when an application for insurance coverage is received, less labor is required than when the verification is performed when the insurance is subscribed. In addition, when applying for insurance, it is possible to obtain insurance easily because it requires only a simple procedure.

In the form detailed above, the insurance application system 1 is configured by connecting the mobile terminal 20, the terminal device 30, and the management server 40 via the network 70, the network 80, and the access point 90. However, even the management server 40 alone can be treated as an insurance application system.

In addition, in the example described above, the device information is a still image, but it may be a moving image.
Furthermore, in the above-described example, the analysis unit 44 verifies whether or not the operating state of the device is normal, but verification can also be performed by a person. For example, a person visually sees a moving image, which is operation information, and determines whether or not the device is in a normal state. Also, a person listens to the sound of the moving image and judges whether or not the device is in a normal state. In this case, the analysis unit 44 may become unnecessary.

<Explanation of the program>
The processing performed by the management server 40 according to the present embodiment described above is prepared as a program such as application software, for example. This processing is realized through the cooperation of software and hardware resources. That is, a CPU (not shown) inside a computer provided in the management server 40 executes a program for realizing each function described above to realize each function.

Therefore, in the present embodiment, the processing performed by the management server is to provide the computer with an acquisition function for acquiring operation information, which is information relating to the operating state of the equipment to be insured, and information specifying the equipment and the operation information. and an output function for outputting operation information to verify whether or not the operating state of the device was normal when the insurance was applied. It can also be viewed as a program to make

It should be noted that the program that implements the present embodiment can be provided not only by communication means but also by being stored in a recording medium such as a CD-ROM.

Although the present embodiment has been described above, the technical scope of the present invention is not limited to the range described in the above embodiment. It is clear from the scope of claims that various modifications and improvements to the above embodiment are also included in the technical scope of the present invention.

Reference Signs List 1 insurance application system 20, 20a, 20b portable terminal 30, 30a, 30b terminal device 40 management server 41 transmission/reception unit 42 storage unit 43 output unit 44 analysis unit 45 …Applicable part

Claims (7)

Acquisition means for acquiring a moving image taken in the operating state of the device to be insured as operation information, which is information regarding the operating state of the device;
storage means for storing the information specifying the device and the operation information in association with each other;
output means for outputting the operation information for verifying whether or not the operation state of the device was normal when the insurance was applied;
analysis means for comparing the sound based on the operation information output by the output means and the sound in a normal state by frequency analysis;
insurance application system. Acquisition means for acquiring operation information, which is information relating to the operating state of the insured equipment;
storage means for storing the information specifying the device and the operation information in association with each other;
output means for outputting the operation information for verifying whether or not the operation state of the device was normal when the insurance was applied;
has
The insurance application system, wherein the operation information is power consumption and/or power consumption amount used by the device. 3. The insurance application system according to claim 1, wherein the information specifying the device is a photographed image. 4. The insurance application system according to claim 3 , wherein said photographed images are still images photographed from different angles of said equipment. 2. The insurance application system according to claim 1 , wherein said analysis means further confirms whether the device based on the information specifying the device and the device photographed by the operation information are the same. . 2. The insurance application system according to claim 1 , wherein said analysis means further confirms whether or not the operation state of said equipment is in a normal state when insurance is applied. to the computer,
an acquisition function that acquires a moving image taken in the operating state of the device to be insured as operation information, which is information on the operating state of the device;
a storage function that associates and stores information specifying the device and the operation information;
an output function for outputting the operation information for verifying whether or not the operation state of the device was normal when the insurance was applied;
a function of comparing, by frequency analysis, the sound based on the operation information output by the output function and the sound in a normal state;
program to make it happen.

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