JP7253171B2 - Information processing method, information processing apparatus, and program - Google Patents

Description

The present invention relates to an information processing method, an information processing apparatus, and a program.

Insurance contracts for mobile vehicles such as automobile insurance (hereinafter referred to as "mobile insurance") include, for example, a type of contract that covers each vehicle, a lump sum insurance policy for multiple vehicles that you manage or own. (for example, for 10 or more vehicles meeting certain requirements (so-called "fleet contracts")). In recent years, there has been a growing need to reduce the operating costs of vehicles for policyholders (individuals and corporations) by optimizing automobile insurance premiums. It is important for such policyholders to know how insurance premiums change according to the details of vehicle operation.
As a technique for predicting changes in insurance premiums, for example, Patent Literature 1 discloses a technique for calculating customer-specific insurance premiums in accordance with vehicle driving skills.

Japanese Patent Application Laid-Open No. 2004-102801

However, in Patent Literature 1, the insurance premium for one vehicle to be driven is only calculated in conjunction with the driving skill. Therefore, with the technique of Patent Literature 1, when managing a plurality of vehicles, it is not possible to know how insurance premiums will change depending on how each vehicle is managed. Therefore, it is difficult to efficiently manage a plurality of moving bodies.

One aspect of the present invention is
obtaining a driving score for each of a plurality of moving objects;
obtaining first aggregated data about the plurality of moving objects based on the driving score;
presenting at least a portion of the first aggregated data;
changing the first aggregated data;
Acquiring first insurance premium information corresponding to the changed first aggregated data;
It is an information processing method including

According to the present invention, it is possible to obtain useful information for efficient management of a plurality of moving bodies.

1 is a block diagram showing the configuration of an information processing system according to an embodiment; FIG. 2 is a functional block diagram of the information processing system of FIG. 1; FIG. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an explanatory diagram of the outline of this embodiment; It is a figure which shows the data structure of the customer information database of this embodiment. It is a figure which shows the data structure of the crew information database of this embodiment. It is a figure which shows the data structure of the mobile body information database of this embodiment. FIG. 4 is a diagram showing the data structure of the owned driving score log information database of the present embodiment; It is a figure which shows the data structure of the crew log information database of this embodiment. FIG. 4 is a sequence diagram of a driving score calculation process according to the present embodiment; FIG. 10 is a diagram showing an example of a screen displayed in the information processing of FIG. 9; FIG. FIG. 10 is a sequence diagram of a first example of tallying processing according to the present embodiment; FIG. 12 is a sequence diagram of the process following FIG. 11; FIG. 13 is a diagram showing an example of a screen displayed in the information processing of FIGS. 11 and 12; FIG. FIG. 13 is a diagram showing an example of a screen displayed in the information processing of FIGS. 11 and 12; FIG. FIG. 13 is a diagram showing an example of a screen displayed in the information processing of FIGS. 11 and 12; FIG. FIG. 11 is a sequence diagram of a second example of aggregation processing according to the present embodiment; FIG. 17 is a sequence diagram of the process following FIG. 16; FIG. 18 is a diagram showing an example of a screen displayed in the information processing of FIGS. 16 and 17; FIG. FIG. 18 is a diagram showing an example of a screen displayed in the information processing of FIGS. 16 and 17; FIG. FIG. 11 is a sequence diagram of damage prediction processing of modification 1; 21 is a diagram showing an example of a screen displayed in the information processing of FIG. 20; FIG. FIG. 11 is an explanatory diagram of an overview of Modification 2; FIG. 11 is a sequence diagram of an insurance simulation of modification 2; 24 is a diagram showing an example of a first screen displayed in the information processing of FIG. 23; FIG. 24 is a diagram showing an example of a second screen displayed in the information processing of FIG. 23; FIG. FIG. 11 is a diagram showing an example of a first screen displayed in a second example of insurance simulation of modified example 2; FIG. 11 is a diagram showing an example of a second screen displayed in a second example of insurance simulation of modified example 2; FIG. 12 is a diagram showing an example of a third screen displayed in a second example of insurance simulation of modified example 2; FIG. 12 is a diagram showing an example of a first screen displayed in a third example of insurance simulation of modified example 2; FIG. 12 is a diagram showing an example of a second screen displayed in a third example of insurance simulation of modified example 2; FIG. 12 is a sequence diagram of a fourth example of insurance simulation of modified example 2; FIG. 14 is a diagram showing an example of a first screen displayed in a fourth example of insurance simulation of modified example 2; FIG. 12 is a diagram showing an example of a second screen displayed in a fourth example of insurance simulation of modified example 2; FIG. 21 is a diagram showing an example of a screen displayed in a fifth example of insurance simulation of modified example 2;

An embodiment of the present invention will be described in detail below with reference to the drawings. In the drawings for describing the embodiments, in principle, the same constituent elements are denoted by the same reference numerals, and repeated description thereof will be omitted.

(1) Configuration of information processing system The configuration of the information processing system will be described. FIG. 1 is a block diagram showing the configuration of the information processing system of this embodiment. FIG. 2 is a functional block diagram of the information processing system of FIG.

As shown in FIG. 1 , the information processing system 1 includes a client device 10 , a server 30 and a sensor unit 50 .
The client device 10, server 30, and sensor unit 50 are connected via a network (for example, the Internet or an intranet) NW.

The client device 10 is a computer (an example of an “information processing device”) that transmits a request to the server 30 . The client device 10 is, for example, a smart phone, a tablet terminal, or a personal computer.

The server 30 is a computer (an example of an “information processing device”) that provides the client device 10 with a response in response to a request transmitted from the client device 10 . Server 30 is, for example, a web server.

The sensor unit 50 is arranged on the mobile body. The sensor unit 50 is configured to transmit travel information about travel of the mobile body to the server 30 .
The sensor unit 50 is, for example, at least one of the following.
・Sensor unit 50 arranged in the vehicle
- A sensor unit 50 connected to a terminal (for example, a cigar socket) arranged in the vehicle
・Sensor unit 50 arranged in a device (for example, a smartphone) brought into the vehicle

The sensor unit 50 is connected to the server 30 or an external server configured to collect travel information (for example, a server operated by a public institution or a private company) via, for example, any of the following: be done.
- A communication interface arranged in the sensor unit 50 - A device connected to the sensor unit 50 (a smartphone, for example)
A communication device connected to the sensor unit 50 (for example, a communication antenna (for example, an ITS spot) placed on a road or the like)
A computer terminal connected to the sensor unit 50 via a wire (for example, USB (Universal Serial Bus)) or wirelessly (for example, Bluetooth or WiFi)

The moving object is, for example, at least one of the following.
・Four-wheeled vehicles ・Motorcycles ・Personal mobility ・Vessels ・Aerial vehicles (at least one of drones and aircraft)

(1-1) Configuration of Client Device The configuration of the client device 10 will be described.

As shown in FIG. 2, the client device 10 includes a storage device 11, a processor 12, an input/output interface 13, and a communication interface .

Storage device 11 is configured to store programs and data. The storage device 11 is, for example, a combination of ROM (Read Only Memory), RAM (Random Access Memory), and storage (eg, flash memory or hard disk).

Programs include, for example, the following programs.
・OS (Operating System) program ・Application (for example, web browser) program that executes information processing

The data includes, for example, the following data.
・Databases referenced in information processing ・Data obtained by executing information processing (that is, execution results of information processing)

The processor 12 is configured to implement the functions of the client device 10 by activating programs stored in the storage device 11 . The processor 12 is, for example, a CPU (Central Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or a combination thereof.

The input/output interface 13 is configured to acquire a user's instruction from an input device connected to the client device 10 and output information to an output device connected to the client device 10 .
Input devices are, for example, keyboards, pointing devices, touch panels, or combinations thereof.
An output device is, for example, a display.

Communication interface 14 is configured to control communication between client device 10 and server 30 and sensor unit 50 .

(1-2) Server Configuration The configuration of the server 30 will be described.

As shown in FIG. 2, the server 30 includes a storage device 31, a processor 32, an input/output interface 33, and a communication interface .

Storage device 31 is configured to store programs and data. Storage device 31 is, for example, a combination of ROM, RAM, and storage (eg, flash memory or hard disk).

Programs include, for example, the following programs.
- OS program - Application program that executes information processing

The data includes, for example, the following data.
・Databases referenced in information processing ・Execution results of information processing

The processor 32 is configured to implement the functions of the server 30 by activating programs stored in the storage device 31 . Processor 32 is, for example, a CPU, ASIC, FPGA, or a combination thereof.

The input/output interface 33 is configured to acquire user instructions from input devices connected to the server 30 and to output information to output devices connected to the server 30 .
Input devices are, for example, keyboards, pointing devices, touch panels, or combinations thereof.
An output device is, for example, a display.

Communication interface 34 is configured to control communication between server 30 and client device 10 and sensor unit 50 .

(1-3) Configuration of Sensor Unit The configuration of the sensor unit 50 will be described.

As shown in FIG. 2, the sensor unit 50 includes a travel sensor 51 and a communication terminal 52. As shown in FIG.

The travel sensor 51 is configured to acquire travel information of the vehicle in which the sensor unit 50 is arranged. The travel sensor 55 is, for example, at least one of the following.
・Accelerometer ・GPS (Global Positioning System) receiver

The communication terminal 52 is configured to transmit travel information acquired by the travel sensor 51 to the server 30 . The communication terminal 52 is, for example, a smart phone, a tablet terminal, or a mobile terminal having a communication function.

(2) Outline of Embodiment An outline of this embodiment will be described. FIG. 3 is an explanatory diagram of the outline of this embodiment.

As shown in FIG. 3, this embodiment includes a client device 10, a server 30, and a sensor unit 50. FIG.

A client device 10 is a device used by a customer. Customer means a policyholder (eg a natural person or a legal entity) who has entered into an insurance contract for insurance offered by an insurance company. Insurance is concluded for each mobile MB managed or owned by the customer, or for multiple mobile MBs.

The server 30 is connected to the client device 10 and the sensor unit 50 .

The sensor unit 50 is arranged in the moving body MB driven by the crew. The sensor unit 50 acquires travel information (for example, acceleration information, speed information, etc. acquired along a time series, but not limited to these) relating to travel of the mobile object MB, and acquires the travel information. to the server 30.

The server 30 refers to the travel information transmitted from the sensor unit 50, acquires the driving score regarding the mobile object MB, and accumulates the driving score. The driving score is, for example, a score of driving quality, but is not limited to this, and is information related to the mobile MB, which may affect mobile insurance (for example, insurance premiums for mobile insurance). The content is not particularly limited as long as it is information that is considered in the calculation of

The client device 10 transmits to the server 30 a driving score aggregation request for requesting aggregation of driving scores.

The server 30 aggregates the accumulated driving scores in response to the driving score aggregation request, and transmits the aggregation result of the driving scores to the client device 10 .

The client device 10 presents the total result of the driving scores transmitted from the server 30 to the customer.

(3) Database The database of this embodiment will be described. The following databases are stored in the storage device 31.

(3-1) Customer Information Database The customer information database of this embodiment will be described. FIG. 4 is a diagram showing the data structure of the customer information database of this embodiment.

Customer information is stored in the customer information database of FIG. Customer information is information about customers. A customer is, for example, a corporation.
The customer information database includes a "customer ID" field, a "customer name" field, and a "customer attribute" field. Each field is associated with each other.

Customer identification information is stored in the "customer ID" field. Customer identification information is information that identifies a customer.

The "customer name" field stores information (eg, text) about the customer name.

Customer attribute information is stored in the "customer attribute" field. The customer attribute information is information on customer attributes. The "customer attribute" field includes a "business type" field, a "employee number" field, and a "owned mobile unit number" field.

The "industry" field stores information about the customer's industry.

The "number of employees" field stores information about the number of employees employed by the customer.

The "number of owned mobile bodies" field stores information about the number of mobile bodies managed or owned by the customer (hereinafter referred to as "owned mobile bodies").

(3-2) Crew Information Database The crew information database of this embodiment will be described. FIG. 5 is a diagram showing the data structure of the crew information database of this embodiment.

Crew information is stored in the crew information database of FIG. Crew information is information about a crew member.
The crew information database includes, for example, a "crew ID" field, a "crew" field, and a "crew attribute" field. Each field is associated with each other.
A crew information database is associated with the customer identification information.

The "crew ID" field stores crew identification information. The crew identification information is information that identifies the crew.

The "crew name" field stores crew name information. The crew name information is information (eg, text) about the crew name.

The "crew attribute" field stores crew attribute information. The crew member attribute information is information related to the crew member's attributes. The "crew attribute" field includes, for example, a "gender" field, an "age" field, a "hire date" field, and a "department" field.

The "sex" field stores information about the sex of the crew member.

The "age" field stores information about the age of the crew member.

The "date of employment" field stores information on the date of employment of the crew member.

The "department" field stores information about the department to which the crew member belongs among the departments of the customer.

(3-3) Mobile Information Database The mobile information database of this embodiment will be described. FIG. 6 is a diagram showing the data structure of the mobile information database of this embodiment.

Mobile information is stored in the mobile information database of FIG. The mobile body information is information about the mobile body owned by the customer.
The mobile body information database includes a "mobile body ID" field, a "monthly insurance premium" field, an "insurance content" field, a "mobile body attribute" field, and a "lease" field. Each field is associated with each other.
A mobile information database is associated with customer identification information.

The "mobile body ID" field stores mobile body identification information. The mobile identification information is information for identifying a mobile.

The "monthly insurance premium" field stores information about the monthly insurance premium of the insurance contract applied to the mobile body. The "Monthly Premium" field is updated each time the insurance policy on the mobile unit is renewed. In addition, in the case of a contract that covers multiple mobiles at once, information on the total monthly insurance premium for all mobiles covered by the insurance contract or the average monthly insurance premium per mobile is required. Stored.

The "insurance content" field stores the coverage of the insurance contract (for example, the content of compensation). Compensation includes, for example, at least one of the following, but is not limited to these.
・Compensation to the other party in the event of an accident involving a mobile object (compensation for bodily injury, property damage, etc., and the upper limit of the insurance amount)
・Compensation for drivers and passengers (personal injury, passenger injury, etc., and the upper limit of the insurance amount)
・Compensation for moving objects (vehicle insurance, new car replacement special contract, etc., and the upper limit of the insurance amount)
・Optional compensation (lawyer special contract, etc. and its upper limit)

The "moving body attribute" field stores moving body attribute information. The mobile object attribute information is information about the attributes of the mobile object. The 'moving body attribute' field includes a 'vehicle type' field, a 'usage' field, and a 'administrative department' field.

The "vehicle model" field stores information about the vehicle model of the mobile object. The information about the vehicle type includes, for example, at least one of the following.
・Moving object category (for example, for four-wheeled passenger cars, "sedan", "light vehicle", "one-box car", etc.; for construction machinery, "hydraulic excavator", "wheel loader", "bulldozer", etc.) )
・Car name of mobile object (model name as an example)
・Any group or class to which the moving object belongs

The "use" field stores information about the use of the mobile object.

The "administrative division" field stores information about the mobile unit administrative division among the customer's divisions.

(3-4) Driving Score Log Information Database The driving score log information database of this embodiment will be described. FIG. 7 is a diagram showing the data structure of the owned driving score log information database of this embodiment.

Driving score log information is stored in the driving score log information database of FIG. The driving score log information is information about the history of driving scores. In the present embodiment, the driving score is, for example, information regarding the running quality of the moving object.
The driving score log information database includes a "driving score log ID" field, a "date" field, a "driving information" field, and a "driving score" field. Each field is associated with each other.
The driving score log information database is associated with the mobile identification information.

Driving score log identification information is stored in the “driving score log ID” field. The driving score log identification information is information for identifying the driving score log.

The "Date" field stores information about the date of the driving that is the target of the driving score.

Traveling information is stored in the "traveling information" field. The "driving information" field includes a "sudden acceleration frequency" field, a "sudden deceleration frequency" field, a "sudden steering frequency" field, an "acceleration distribution" field, a "cumulative travel distance" field, and a "cumulative travel time" field. ” fields.

The "number of sudden accelerations" field stores information about the number of sudden accelerations. The number of sudden accelerations is, for example, when the magnitude of the vector in the traveling direction of the moving body exceeds a predetermined threshold value in the acceleration information obtained from the sensor unit 50 at predetermined sensing intervals (for example, every 0.5 seconds). Alternatively, it is counted when a predetermined threshold value is continuously exceeded for a predetermined number of times.

The "rapid deceleration count" field stores information about the number of sudden decelerations. The number of sudden decelerations is determined, for example, when the magnitude of a vector in the direction opposite to the traveling direction of the moving object in the acceleration information obtained from the sensor unit 50 at sensing intervals exceeds a predetermined threshold value, or when the predetermined threshold value is continuously exceeded. It is counted when it exceeds a predetermined number of times.

The "number of sharp turns" field stores information about the number of sharp turns (for example, the number of sharp turns to the right and the number of sharp turns to the left, or the combined value). . The number of times of sharp steering is, for example, when the magnitude of the vector in the direction perpendicular to the moving direction of the moving body exceeds a predetermined threshold in the acceleration information obtained at the sensing interval from the sensor unit 50, or when the magnitude of the vector exceeds a predetermined threshold. It is counted when it exceeds a predetermined number of times in succession. From the viewpoint of simplification of explanation, the description does not distinguish between left and right, which can be the direction of a sharp turn, but it is of course possible to prepare a field for the number of sharp turns for each of the left and right.

The "acceleration distribution" field stores information about the distribution of acceleration. The distribution of acceleration means, for example, the distribution of vector information (that is, direction and magnitude) for each piece of acceleration information acquired from the sensor unit 50 at sensing intervals. Information on the distribution of acceleration is provided to the user by a table, a distribution map, or link information (as an example, a URL (Uniform Resource Locator)) associated with such information.

The "cumulative travel distance" field stores information about the cumulative travel distance.

The "cumulative running time" field stores information about the cumulative running time.

The "driving score" field stores information about the driving score.

(3-5) Crew Log Information Database The crew log information database of this embodiment will be described. FIG. 8 is a diagram showing the data structure of the crew log information database of this embodiment.

The crew log information is stored in the crew log information database of FIG. The crew log information is information relating to the history of the crew's crew duties on the mobile object.
The crew log information database includes a “crew log ID” field, a “start date and time of crew duty” field, a “end date and time of crew duty” field, a “crew ID” field, a “sensor ID” field, and a “purpose of crew duty” field. , and a "driving score" field. Each field is associated with each other.
The crew log information database is associated with the mobile identification information.

The “crew log ID” field stores the crew log identification information. The crew log identification information is information for identifying the crew log information.

The "start date and time of crew duty" field stores the date and time information of the start of crew duty. The crew duty start date and time information is information related to the date and time when the crew member started duty on the mobile body.

Information on the start and end of crew duty is stored in the "duty end date and time" field. The crew duty end date and time information is information related to the date and time when the crew member finished the duty of the mobile object.

In the "crew ID" field, the crew identification information of the crew member who worked on the mobile body is stored.

The “sensor ID” field stores sensor identification information. This is information for identifying the sensor unit 50 arranged on the mobile body when the crew member is on board the mobile body.

The "service purpose" field stores information (for example, the text "delivery" or "customer visit") related to the purpose of the crew's service of the mobile object.

The "driving score" field stores information about the driving score when the crew member works on the mobile object.

(4) Information processing Information processing according to this embodiment will be described.

(4-1) Driving Score Calculation Processing The driving score calculation processing of the present embodiment will be described. FIG. 9 is a sequence diagram of the driving score calculation process according to the present embodiment. FIG. 10 is a diagram showing a screen example displayed in the information processing of FIG.

As shown in FIG. 9, the sensor unit 50 executes a crew duty start request (S150).
Specifically, the communication terminal 52 displays a screen P10 (FIG. 10) on a display (not shown).

The screen P10 includes an operation object B10 and field objects F10a to F10c.

The field object F10a is an object that receives input of crew identification information.
The field object F10b is an object that receives input of moving body identification information of a moving body on which crew members work.
The field object F10c is an object that accepts input of information regarding the purpose of the duty.

The operation object B10 is an object that receives an instruction to start crew duty.

When the crew member connects the sensor unit 50 to a mobile object (for example, a cigar socket of the vehicle), the communication terminal 52 acquires sensor identification information from the travel sensor 51 .
When the crew member inputs his or her crew member identification information into the field object F10a, the moving object identification information into the field object F10b, the information about the purpose of the crew into the field object F10c, and operates the operation object B10, communication is performed. The terminal 52 transmits the crew duty start request data to the server 30 .

The crew duty start request data includes the following information.
・Crew identification information ・Mobile identification information ・Sensor identification information ・Information on purpose of crew ・Information on execution date and time of step S150

After step S150, the server 30 updates the crew log (S130).
Specifically, processor 32 adds a new record to the crew log information database (FIG. 8) associated with the crew identification information transmitted in step S150. The following information is stored in the new record.
- "Driver log ID" field: new crew log identification information - "Driver start date and time" field: information related to the execution date and time of step S150 included in the driver start request data - "Mobile ID" field: included in the driver start request data - "Sensor ID" field: Mobile object identification information included in the crew start request data Sensor identification information included in the crew start request data information

The sensor unit 50 acquires travel information (S151).
Specifically, the travel sensor 51 acquires the travel information of the mobile body MB.

After step S151, the sensor unit 50 transmits travel information (S152).
Specifically, the communication terminal 52 transmits the following information to the server 30.
・Travel information acquired by the travel sensor 51 ・Crew identification information of the crew of the mobile MB (for example, crew identification information pre-registered in the transmitter, or crew identification information pre-registered in the mobile phone application)
- Moving body identification information of the moving body MB in which the sensor unit 50 is arranged

Steps S151 to S152 are repeatedly executed during the crew duty period.

The sensor unit 50 executes the crew duty end request (S153).
Specifically, the communication terminal 52 displays a screen P11 (FIG. 10) on a display (not shown).

The screen P11 includes an operation object B11.
The operation object B11 is an object that receives an instruction to start crew duty.

When the crew member operates the operation object B11, the communication terminal 52 executes the crew duty end request (S153).
Specifically, the communication terminal 52 transmits crew duty end request data to the server 30 .

The crew duty end request data includes the following information.
・Information about execution date and time of step S153

After step S153, the server 30 calculates the driving score (S131).
Specifically, the storage device 31 stores a driving score calculation model. The driving score calculation model defines the correlation between the driving information and the driving score.
The processor 32 refers to the driving score calculation model and calculates the driving score based on the travel information transmitted in step S152.

After step S131, the server 30 updates the database (S132).
Specifically, processor 32 adds a new record to the driving score log information database (FIG. 7) associated with the mobile identification information transmitted in step S152. The following information is stored in the new record.
・“Driving score log ID” field: new driving score log identification information ・“Date” field: information on the date when step S131 was executed ・“Driving information”: driving information transmitted in step S152 ・“Driving score” : information about the driving score obtained in step S131

The processor 32 stores the information on the driving score obtained in step S131 in the "driving score" field of the crew log information database (FIG. 8) associated with the mobile identification information transmitted in step S152.

Processor 32 stores the following information in the new record of the crew log database (FIG. 8) updated in step S130.
- "Date and time of end of duty" field: Information about the date and time of execution of step S153 included in the request data of end of duty

In the above example, steps S131 to S132 are executed after step S153, but execution of steps S131 to S132 is not limited to this timing. Steps S131 and S132 may be executed, for example, at any of the following timings.
- Timing desired by the customer (for example, the input/output interface 13 is operated by the user to specify the timing)
・Predetermined time every day or every business day (in this case, steps S131 to S132 are executed once a day or once every business day)
- Executed on a predetermined day of every month (in this case, steps S131 and S132 are executed once a month).

(4-2) Aggregation processing Aggregation processing of this embodiment will be described. Aggregation processing is performed at a timing desired by the customer, for example, in order to consider changing the operation of the mobile unit for the purpose of optimizing insurance or insurance premiums for the mobile unit managed by the customer.

(4-2-1) First Example of Aggregation Processing A first example of aggregation processing according to the present embodiment will be described. FIG. 11 is a sequence diagram of a first example of aggregation processing according to this embodiment. FIG. 12 is a sequence diagram of processing following FIG. FIG. 13 is a diagram showing an example of a screen displayed in the information processing of FIGS. 11 and 12. FIG. FIG. 14 is a diagram showing an example of a screen displayed in the information processing of FIGS. 11 and 12. FIG. FIG. 15 is a diagram showing an example of a screen displayed in the information processing of FIGS. 11 and 12. FIG.

As shown in FIG. 11, the client device 10 executes a customer tally request (S210).
Specifically, processor 12 displays screen P20 (FIG. 13) on the display.

The screen P20 includes an operation object B20a and a field object F20.

The field object F20 is an object that receives input of customer identification information.

The operation object B20 is an object that receives a user instruction for confirming the input to the field object F20.

When the user inputs customer identification information in the field object F20 and operates the operation object B20, the processor 12 transmits customer total request data to the server 30. FIG.

Customer Aggregate Request Data includes the following information:
- Customer identification information entered in the field object F20 (hereinafter referred to as "target customer identification information")

After step S210, the server 30 performs customer tally (S230).
Specifically, the processor 32 refers to the customer information database (FIG. 4) to identify the target customer information stored in the record associated with the target customer identification information included in the customer tally request data.
Processor 32 identifies the information in the "mobile ID" field of the mobile information database (FIG. 6) associated with the target customer identification (ie, the mobile identification of the owned mobile).
The processor 32 refers to the "date" field of the driving score log information database (FIG. 7) associated with all identified possessed mobile body identification information, and records a predetermined target period (for example, from the execution date of step S230). 1 year).
The processor 32 refers to the "driving score" field of the identified record and counts the frequency of appearance of the driving score.

After step S230, the server 30 performs comparison (S231).
Specifically, the processor 32 refers to the customer information database to identify the information in the "industry" field associated with the target customer identification information (ie, the target customer's industry).
The processor 32 refers to the customer information database and refers to a specific individual, corporation, or a group thereof (hereinafter referred to as " customer identification information (hereinafter referred to as "specific customer identification information") corresponding to the specific customer") is specified as a comparison target. The specific customer is, for example, a customer whose business type is the same as or similar to that of the target customer, or the target customer himself/herself at a certain point in the past (that is, at a certain point before step S231 is executed). If the specific customer is the target customer at a certain point in the past, in step S230, the customer information of the target customer at a certain point in the past is compared with the current customer information of the target customer. The point in time in the past is, for example, a predetermined point in time or a point in time designated by the user.
Processor 32 identifies a mobile information database associated with the specific customer identification information (hereinafter referred to as "specific customer mobile information database") (FIG. 6).
The processor 32 identifies the information in the "mobile ID" field of the specific customer mobile information database (that is, the mobile identification information of the mobile managed or held by the specific customer (hereinafter referred to as "specific mobile identification information")). do. That is, a group of mobile units managed or owned by a customer and at least one mobile unit managed or owned by a specific customer satisfy a predetermined condition.
The processor 32 refers to the "date" field of the driving score log information database (FIG. 7) associated with the specific mobile body identification information, and refers to the period included in the target period (for example, one year before the execution date of step S230). identify the records that
The processor 32 refers to the "driving score" field of the identified record to acquire driving score information (that is, the specific customer's driving score for comparison).
The processor 32 calculates the execution result of step S230 (that is, the target customer's driving score) and the specific customer's driving score distribution (hereinafter referred to as "comparative distribution"). At this time, in order to make a more appropriate comparison target, for example, the processor 32 normalizes the specific customer is preferably calculated as a comparative distribution.

After step S231, the server 30 executes a customer tally response (S232).
Specifically, the processor 32 transmits customer total response data to the client device 10 .

Customer Aggregate Response Data includes the following information:
・Execution result of step S230 (that is, distribution of driving scores for all mobile objects managed by the customer during the target period)
・Execution result of step S231 (that is, comparative distribution in the target period)

After step S232, the client device 10 presents the customer total result (S211).
Specifically, the processor 12 displays the screen P21 (FIG. 13) on the display.

The screen P21 includes an image object IMG21 and operation objects B21a to B21d.

The image object IMG21 is a graph showing the distribution and comparative distribution of the driving scores of the target customer included in the total customer response data.

The operation object B21a is an object that receives a user's instruction for presenting the tallied result of the driving score of the moving object.
The operation object B21b is an object that receives a user's instruction for presenting the aggregated results of insurance premiums.
The operation object B21c is an object that receives a user's instruction to present a damage prediction result when an accident occurs.
The operation object B21d is an object that receives a user instruction to execute an insurance simulation when the driving score distribution is changed.

After step S211, the client device 10 executes a mobile unit tally request (S212).
Specifically, when the user operates the operation object B<b>21 a , the processor 12 transmits moving body tally request data to the server 30 .

After step S212, the server 30 performs mobile unit tally (S233).
Specifically, the processor 32 refers to the "date" field of the driving score log information database (FIG. 7) associated with the mobile body identification information of the owned mobile body to identify the record corresponding to the target period.
The processor 32 refers to the "driving score" field of the specified record to calculate the distribution of driving scores for each possessed mobile body (hereinafter referred to as "driving score distribution").
The processor 32 refers to the “start date and time of crew duty” field and the “end date and time of crew duty” field of the crew log information database (FIG. 8) associated with the mobile body identification information of the owned mobile body, and refers to the owned movement corresponding to the target period. Calculate the working time of the body.
The processor 32 calculates the accumulated operating time by totaling the operating times.

After step S233, the server 30 executes a moving body count response (S234).
Specifically, the processor 32 transmits the mobile unit tally response data to the client device 10 . Mobile aggregated response data includes the following information.
Execution result of step S233 (that is, distribution of driving scores for each owned mobile body and accumulated operating time of each owned mobile body in the target period)
・Information in the “management department” field associated with the mobile unit identification information of the possessed mobile unit

After step S234, the client device 10 presents the moving body tally result (S213).
Specifically, the processor 12 displays the screen P22 (FIG. 14) on the display.

The screen P22 includes image objects IMG22a to IMG22c and operation objects B22a to B22c.

The image object IMG22a shows the distribution of the driving score for each possessed mobile body and information on the management department.
The image object IMG22b is a graph showing the operation ratio for each possessed mobile object (the ratio of the cumulative operating time of each possessed mobile object to the cumulative operating time of all possessed mobile objects).
The image object IMG22c is a graph showing the operating ratio (the ratio of the cumulative operating time of each owned mobile body to the cumulative operating time of all owned mobile bodies) for each management department of owned mobile bodies.

The operation objects B22a and B22b are objects that receive user instructions for executing the tallying (S235) of the crew log for the corresponding moving body.
Mobile object identification information (M01) of the corresponding mobile object is assigned to the operation object B22a.
Mobile object identification information (M02) of the corresponding mobile object is assigned to the operation object B22b.

The operation object B22c is an object that receives a user instruction for executing an insurance simulation when the operating ratio for each mobile unit or the operating ratio for each management unit is changed.

After step S213, the client device 10 executes a crew log total request (S214).
Specifically, when the user operates the operation object B 22 a, the processor 12 transmits crew log total request data to the server 30 .

The cooperation processing request data includes the following information.
- Mobile object identification information (M01) assigned to the operation object B22a operated by the user

After step S214, the server 30 aggregates the crew log (S235).
Specifically, the processor 32 refers to the crew log information database (FIG. 8) associated with the mobile unit identification information included in the crew log compilation request data, and refers to the information in the "crew duty end date and time" field and the "start of crew duty" field. Identify the records that include the crew duty period identified from the combination of information in the "date and time" field in the target period.
The processor 32 calculates a cumulative value of the difference between the information in the "crew duty end date and time" field and the information in the "crew duty start date and time" field (hereinafter referred to as "accumulated crew duty time") for each crew member ID.
The storage device 31 stores a driving instruction determination model. The driving instruction determination model describes the correlation between the driving skill and the instruction content for improving the driving skill.
The processor 32 determines the driving skill of the crew member by referring to the driving score log information when the crew member works on the mobile body MB.
By inputting the driving skill into the driving instruction determination model, the processor determines instruction content according to the driving skill. The content of guidance is, for example, the content of guidance for improving driving scores below a predetermined level (for example, how to use accelerators and brakes recommended for crew members who often experience sudden acceleration and deceleration).

After step S235, the server 30 executes a crew log total response (S236).
Specifically, the processor 32 transmits the crew log total response data to the client device 10 .

The crew log aggregation response data includes the following information.
・Execution result of step S235 (that is, cumulative crew time and instruction content for each crew member in the target period)

After step S236, the client device 10 presents the tally result of the crew log (S215).
Specifically, processor 12 displays screen P23 (FIG. 15) on the display.

The screen P23 includes image objects IMG23a-IMG23b, a message object A23, and an operation object B23.

The image object IMG23a shows information (average driving score in the example shown in FIG. 15) regarding the distribution of the cumulative driving time and the driving score for each crew member who worked on the target moving body.
The image object IMG23b is a graph showing the cumulative crew time ratio for each crew member.
The message object A23 is a message indicating the content of guidance to crew members who satisfy a predetermined condition (for example, not limiting, that there are more than a predetermined number of days in which the driving score is equal to or less than a predetermined value, etc.) among the relevant crew members. is. The message may include, for example, information (for example, a video file or a URL for accessing the video file) for viewing a video (for example, a lecture video) corresponding to the instruction content.

The operation object B23 is an object that receives a user instruction for executing an insurance simulation when changing the cumulative crew time ratio for each crew member.

(4-2-2) Second Example of Aggregation Processing A second example of aggregation processing according to the present embodiment will be described. A second example of the tabulation process is an example of presenting the tabulated results of insurance premiums.
FIG. 16 is a sequence diagram of a second example of aggregation processing according to this embodiment. FIG. 17 is a sequence diagram of processing following FIG. FIG. 18 is a diagram showing an example of a screen displayed in the information processing of FIGS. 16 and 17. FIG. FIG. 19 is a diagram showing an example of a screen displayed in the information processing of FIGS. 16 and 17. FIG.

As shown in FIG. 16, the client device 10 performs customer totalization (S210), as in FIG.
After step S210, the server 30 executes customer totaling (S230) to customer totaling response (S232) as in FIG.
After step S232, the client device 10 presents the customer total result (S211) in the same manner as in FIG.

After step S211, the client device 10 executes an insurance total request (S310).
Specifically, when the user operates the operation object B 21 b, the processor 12 transmits insurance total request data to the server 30 .

After step S310, server 30 performs customer insurance aggregation (S330).
Specifically, the processor 32 refers to the "monthly insurance premium" field in the mobile information database (FIG. 6) associated with the target customer identification information to identify information regarding the monthly insurance premium for each possessed mobile. .
The processor 32 calculates the sum of the monthly insurance premiums for all owned mobile units (hereinafter referred to as "customer monthly insurance premium").

After step S330, the server 30 executes industry insurance tabulation (S331).
Specifically, the processor 32 calculates the average value of the information in the "monthly insurance premium" field (hereinafter referred to as "industry average monthly insurance premium") of the mobile unit information database of the same industry (FIG. 6) as a total value.

After step S331, the server 30 executes an insurance total response (S332).
Specifically, the processor 32 transmits insurance total response data to the client device 10 .

Insurance Aggregate Response Data contains the following information:
・Information on monthly insurance premiums for each owned mobile device ・Information on customer monthly insurance premiums ・Information on industry average monthly insurance premiums

After step S332, the client device 10 presents the insurance total result (S311).
Specifically, processor 12 displays screen P30 (FIG. 18) on the display.

The screen P30 includes a message object A30, operation objects B30a-B30b, and image objects IMG30a-IMG30c.

The message object A30 is a message indicating the customer's monthly premium and industry average monthly premium.

The image object IMG30a shows information about the monthly insurance premium and management department for each possessed mobile unit.
The image object IMG30b is a graph showing the share of monthly insurance premiums for each possessed mobile body.
The image object IMG30c is a graph showing the share of monthly insurance premiums for each management department of owned mobile units.

The operation objects B30a and B30b are objects that accept user instructions for executing aggregation (S333) of the distribution of the driving scores of the corresponding moving bodies.
Mobile object identification information (M01) of the corresponding mobile object is assigned to the operation object B30a.
The mobile object identification information (M02) of the corresponding mobile object is assigned to the operation object B30b.

As shown in FIG. 17, after step S311, the client device 10 executes a driving score distribution total request (S312).
Specifically, processor 12 transmits driving score distribution aggregation request data to server 30 .

The driving score distribution aggregation request data includes the following information.
- Mobile object identification information (M01) assigned to the operation object B30a operated by the user

After step S312, the server 30 aggregates the driving score distribution (S333).
Specifically, the processor 32 refers to the “driving score” field of the driving score log information database ( FIG. 7 ) associated with the moving object identification information included in the driving score distribution summary request data, Aggregate the distribution of driving scores.

After step S333, the server 30 aggregates the distribution of vehicle type driving scores (S334).
Specifically, the processor 32 refers to the mobile object information database ( FIG. 6 ) and refers to the information in the “vehicle type” field associated with the mobile object identification information included in the driving score distribution summary request data (that is, the target car model).
The processor 32 refers to the mobile body information database associated with the customer identification information of customers other than the target customer, and identifies the mobile body identification information corresponding to the target vehicle model (hereinafter referred to as "same model mobile body identification information"). .
The processor 32 refers to the "date" field of the driving score log information database (FIG. 7) associated with the identification information of the same vehicle type to identify records included in the target period.
The processor 32 refers to the "driving score" field of the identified record and aggregates the distribution of driving scores (hereinafter referred to as "same vehicle comparison driving score").

After step S334, the server 30 executes the driving score distribution aggregation response (S335).
Specifically, the processor 32 transmits the driving score distribution total response data to the client device 10 .

The driving score distribution aggregation response data includes the following information.
・Distribution of driving scores during the target period ・Distribution of driving scores of the same vehicle type during the target period

After step S335, the client device 10 presents the cooperation processing result (S313).
Specifically, the processor 12 displays a screen P31 (FIG. 18) on the display.

Screen P31 includes an image object IMG31.
The image object IMG31 is a graph showing the distribution of the driving score and the distribution of the driving score of the same vehicle type during the target period.

(5) Summary of the present embodiment According to the present embodiment, aggregate results of driving scores of mobile MBs are presented, and how insurance premiums can be changed by changing information related to the aggregate results. is also presented. As a result, a customer who manages or owns a mobile body can obtain information that contributes to the operation of the mobile body MB for optimizing insurance premiums.

Further, according to the present embodiment, the total result of the distribution of the driving scores of the possessed mobile body MB is presented. This allows the customer to know how the insurance premium changes due to the operation of the mobile unit according to the past driving score distribution.

In addition, according to the present embodiment, the distribution of the driving scores of the mobile body MB owned by the customer and the distribution of the driving scores of the mobile body MB owned by the specific customer that satisfies a predetermined condition for the property of the customer are presented. It is also presented how insurance premiums can be changed by changing the information on the distribution of driving scores with reference to the comparative distribution. Thereby, the customer can know the room for optimizing the insurance premium by operating the mobile body MB according to the driving score with reference to the comparison target.

Further, according to the present embodiment, at least one aggregate result of the operating ratio for each possessed mobile object MB and the operating ratio for each management department that manages the mobile object MB is presented, and information related to this aggregate result is presented. It is also presented how the change could affect the premium. Thereby, the customer can know how the insurance premium changes depending on the operation of the mobile MB according to the driving score, based on at least one of each mobile MB and each management department. .

Further, according to this embodiment, the distribution of the driving scores of the crew members who work on the mobile MB is presented, and how the insurance premiums can be changed by changing the information related to the distribution of the driving scores of the crew members. Presented. This allows the customer to know how insurance premiums change due to personnel management of crew members according to the distribution of driving scores for each crew member.

Further, according to the present embodiment, the accumulated on-board time of the crew member who worked on the mobile object MB is presented, and how the insurance premium can be changed by changing the information on the accumulated on-board time of the crew member is also presented. be. This allows the customer to know how insurance premiums change due to personnel management of crew members according to the cumulative on-board time of each crew member.

In addition, according to the present embodiment, guidance content is presented to a crew member whose driving score is low, or to a crew member who is required to improve his/her driving content in response to the content of appropriate insurance premiums considered by customers. This allows the customer to improve the driver's driving score. As a result, the insurance premium can be more appropriate for the customer.

Further, according to the present embodiment, the monthly insurance premium for each possessed mobile body MB is presented. This allows the customer to know the index regarding how the insurance premium changes due to the operation of the mobile body MB according to the driving score.

In addition, according to the present embodiment, at least one of the monthly insurance premium occupancy rate for each owned mobile body MB and the monthly insurance premium occupancy rate for each management department of the owned mobile body MB is presented. As a result, the customer can increase the insurance premium by operating the mobile MB according to at least one of the monthly insurance premium share of each mobile MB and the monthly insurance premium share of each management department of the mobile MB. You can know how it changes.

Further, according to the present embodiment, the distribution of the driving scores of the same vehicle type as the vehicle type of the possessed moving body MB is presented. As a result, it is possible to know an index related to how the insurance premium changes due to the operation of the mobile body MB according to the distribution of driving scores for the vehicle type of the mobile body MB and the same vehicle model.

In addition, according to the present embodiment, the customer's monthly insurance premium, and the aggregation result of the customer's business type and the average monthly insurance premium of the specific customer are presented. Accordingly, by comparing the monthly insurance premium of the customer with the average monthly insurance premium of the customer's industry and the specific customer, it is possible to know the appropriate insurance premium for oneself.

Although FIG. 13 shows an example of presenting a comparative distribution of one specific customer as a comparison target, the scope of the present embodiment is not limited to this. In the present embodiment, for example, a distribution having a range of frequencies (for example, distributions of a plurality of specific customers are displayed in a superimposed manner) may be presented as a comparison target.

FIG. 15 shows an example of presenting guidance content for a specific crew member, but the scope of the present embodiment is not limited to this. In the present embodiment, for example, a driver whose driving score is equal to or greater than a predetermined value on a predetermined number of days or more is specified, that is, an excellent driver is identified, and such driver is given some commendation or reward, or is assigned to a customer. The content of instruction may be presented to a plurality of crew members, and the character of the crew member to be identified and the response to the specific crew member are not particularly limited.

(6) Modification A modification of the present embodiment will be described.

(6-1) Modification 1
Modification 1 will be described. Modification 1 is an example when an accident occurs.

(6-1-1) Information Processing of Modification 1 Information processing of Modification 1 will be described. FIG. 20 is a sequence diagram of damage prediction processing of Modification 1. As shown in FIG. 21 is a diagram showing an example of a screen displayed in the information processing of FIG. 20. FIG.

As shown in FIG. 20, the client device 10 performs customer totalization (S210), as in the present embodiment (FIG. 11).
After step S210, the server 30 executes customer totalization (S230) to customer totalization response (S232) in the same manner as in the present embodiment (FIG. 11).
After step S232, the client device 10 presents the customer total result (S211) as in the present embodiment (FIG. 11).

After step S211, the client device 10 executes the damage prediction request (S410).
Specifically, when the user operates the operation object B 21 c, the processor 12 transmits damage prediction request data to the server 30 .

After step S410, the server 30 performs damage prediction (S430).
Specifically, the storage device 31 stores a damage prediction model. The damage prediction model describes the correlation between the driving score and the amount of damage. The damage prediction model is, for example, a trained model (for example, a model that outputs a probability distribution of damage amounts according to driving scores). The processor 32 calculates a predicted value of the amount of damage (hereinafter referred to as "predicted amount of damage") by applying the driving score to the damage prediction model.

The expected damage amount includes, for example, at least one of the following:
・Predicted value of bodily injury compensation ・Predicted value of property damage compensation ・Predicted value of mobile damage (e.g. vehicle repair cost) ・Predicted value of business opportunity loss due to accident ・Manpower required for accident processing cost estimate

After step S430, the server 30 executes a damage prediction response (S431).
Specifically, the processor 32 transmits damage prediction response data to the client device 10 .

The damage prediction response data includes the following information.
・Execution result of step S430 (that is, estimated amount of damage)

After step S431, the client device 10 presents the simulation result (S411).
Specifically, processor 12 displays screen P40 (FIG. 21) on the display.

Screen P40 includes a message object A40.
The message object A40 is a message regarding the estimated amount of damage included in the damage estimation response data.

Note that in Modification 1, the storage device 31 may store an accident rate prediction model. The accident rate prediction model describes the correlation between the driving score and the accident rate.
In this case, the damage prediction model describes the correlation between the accident rate and the amount of damage.
The processor 32 calculates an estimated accident rate by applying the driving score to the accident rate prediction model.
The processor 32 calculates the predicted damage amount by applying the estimated accident occurrence rate to the damage prediction model.

Further, in Modification 1, the processor 32 may calculate at least one of the following in step S430.
・Distribution of estimated accident occurrence rate ・Distribution of estimated number of accidents according to the number of mobile vehicles owned ・Distribution of predicted loss amount

As an example, the processor 32 determines the level of impact (hereinafter referred to as "damage amount impact") that the damage caused by the accident per unit (for example, if the customer is a corporation, damage including loss of business hours) affects the customer, The estimated amount of damage may be calculated by multiplying the estimated accident occurrence rate and the number of possessed moving bodies.

Further, in Modification 1, the processor 32 may calculate the predicted amount of damage using the following indicators according to the user's instructions given in a predetermined input form.
・Impact of damage caused by accidents per vehicle ・Daily profitability per vehicle ・Recovery days per vehicle

Further, in Modification 1, the damage amount impact prediction model may be stored in the storage device 31 . The loss impact prediction model describes at least one of the following correlations.
Correlation between the customer's industry and damage amount impact Correlation between the use of the mobile unit and the damage amount impact Correlation between the traveling information of the mobile unit and the damage amount impact In this case, the processor 32 By giving at least one of the use and travel information of the moving body to the damage amount impact prediction model, the damage amount impact corresponding to the accident per vehicle is calculated.

According to Modification 1, the predicted value of the amount of damage is presented. This allows the customer to know the costs resulting from the mobile accident.

(6-2) Modification 2
Modification 2 will be described. Modification 2 is an example of executing an insurance simulation according to conditions specified by the user.

(6-2-1) Overview of Modification 2 An overview of Modification 2 will be described. FIG. 22 is an explanatory diagram of an overview of Modification 2. As shown in FIG.

As shown in FIG. 22, the server 30 refers to the travel information transmitted from the sensor unit 50, acquires the driving score of the mobile body MB, and accumulates the driving score, as in FIG.

The client device 10 transmits an insurance simulation request for requesting an insurance simulation to the server 30 .

In response to the insurance simulation request, the server 30 executes the insurance simulation using the conditions specified by the customer and the accumulated driving score, and transmits the result of the insurance simulation to the client device 10 .

The client device 10 presents the insurance simulation result transmitted from the server 30 to the customer.

(6-2-2) Information Processing of Modification 2 Information processing of Modification 2 will be described.

(6-2-2-1) First Example of Insurance Simulation of Modification 2 A first example of insurance simulation of Modification 2 will be described. A first example of the insurance simulation of modification 2 is an example of predicting insurance premiums when there is a change in the frequency of appearance of driving scores.
FIG. 23 is a sequence diagram of an insurance simulation of Modification 2. FIG. 24 is a diagram showing an example of the first screen displayed in the information processing of FIG. 23. FIG. 25 is a diagram showing an example of the second screen displayed in the information processing of FIG. 23. FIG.

As shown in FIG. 23, the client device 10 executes an insurance simulation request (S510).
Specifically, when the user operates the operation object B21d on the screen P21 (FIG. 13), the processor 12 displays the screen P50 (FIG. 24) on the display.

The screen P50 includes an image object IMG21 and a display object A50.
The display object A50 displays the current insurance premium, the assumed insurance premium, and the amount of difference.
The current insurance premium is the insurance premium calculated based on the current condition of the vehicle, and is the premium that the customer will actually pay in the future if the current condition of the vehicle is maintained. be. The current insurance premium is calculated by an insurance simulation, which will be described later, based on the current state of the mobile object. Alternatively, it may be calculated based on the information in the "insurance premium" field of the mobile information database (FIG. 6). The calculation timing is not particularly limited, but may be performed in accordance with the execution timing of S131 to S132, for example.
The assumed insurance premium is the insurance premium assumed under the condition that the situation of the mobile body corresponding to the current insurance premium has changed. The assumed insurance premium is a value obtained by an insurance simulation (S510), which will be described later, based on a situation in which some variation is applied to the current situation of the mobile object. The screen P50 in FIG. 24 is the same as the current insurance premium since no change is applied.
The difference amount is the difference between the current premium and the assumed premium.

In addition, customers can confirm the current premium by displaying the assumed premium if no change is applied, and after applying the change, the current premium can be estimated from the assumed premium and the amount of difference. It is not necessary to display the insurance premium at this time. By doing so, it is possible to reduce the ratio of display objects on the screen.

The user performs a predetermined operation (for example, a mouse operation or tapping or dragging on a touch panel) on at least one appearance distribution of the driving scores "1" to "10" of the image object IMG21. When the operation of designating a score of "2" and varying the appearance frequency) is executed, the processor 12 determines simulation conditions according to the corresponding variation in the appearance frequency.

In the first case of step S510, when the processor 12 detects that the user has performed a predetermined operation, for example, double-clicking or double-tapping the part corresponding to the driving score of "2", the corresponding driving score The appearance frequency of "2" is changed to a value (in this example, the same value) based on the appearance frequency of the object for comparison, and driving scores around driving score "2" (for example, driving score "3" ), the amount of change in the appearance frequency of the driving score “2” is distributed. As an example, if the amount of change in the driving score "2" is -1 (that is, the appearance frequency is decreased by 1), 1 is added to the appearance frequency of the driving score "3". Here, since the value calculated as a comparison target is a statistical value such as an average value or a value based on normalization processing, it may include a value after the decimal point. In this case, it may be the same as the calculated value, or may be a value (for example, an integer value) approximate to the calculated value. The same applies to subsequent examples. As a result, the distribution of the frequency of appearance of the driving scores of the target moving object is varied without substantially varying the total value of the frequency of appearance of the driving scores.

In the second case of step S510, the processor 12 detects that the user has performed a predetermined operation, for example, a single click or a single tap on the part corresponding to the driving score of "2", unlike the first example. Then, correspondingly, the appearance frequency of the driving score "2" is changed to a predetermined value (zero in this example), and the driving scores around the driving score "2" (for example, the driving score "3") The appearance frequency of the driving score "2" before the change is distributed to the appearance frequency. As an example, if the driving score "2" before the change is 3 (that is, the appearance frequency is decreased by 3), 3 is added to the appearance frequency of the driving score "3". As a result, the distribution of the frequency of appearance of the driving scores of the target moving object is varied without varying the total value of the frequency of appearance of the driving scores.

Preferably, the processor 12 adjusts the driving score such that the frequency of occurrence of a higher driving score (eg, a driving score of “3”) is higher than the frequency of occurrence of a lower driving score (eg, a driving score of “1”). Vary the appearance frequency distribution. This is for executing an insurance simulation on the premise of improving the driving score.

Preferably, the processor 12 changes the appearance frequency of a driving score (for example, a driving score of "3" rather than a driving score of "4") that is close to the driving score corresponding to the user's operation (for example, a driving score of "2"). . This is because the driver's driving score generally tends to vary gradually rather than abruptly.

Processor 12 transmits insurance simulation request data to server 30 . The insurance simulation request data includes the appearance frequency of the modified driving score.

After step S510, server 30 executes an insurance simulation (S530).

Specifically, the storage device 31 stores an insurance simulation model. The insurance simulation model describes the correlation between driving scores and insurance premiums.
For example, the processor 32 inputs the distribution of appearance frequency of driving scores at present and after the change to the insurance simulation model, so that the insurance premium corresponding to the distribution of appearance frequency of the driving score after the change (hereinafter referred to as “assumed insurance premium”) is calculated. ) (for example, values corresponding to the ends of the 2σ interval or the 3σ interval in the distribution, and the maximum and minimum values, but not limited to these) are determined.
Processor 32 calculates the difference between the current insurance premium and the assumed insurance premium (hereinafter referred to as "difference amount").
The processor 32 calculates the difference (that is, the amount of difference) between the information in the "insurance premium" field of the mobile information database (FIG. 6) and the assumed insurance premium.

After step S530, the server 30 executes extraction of specific crew members (S531).
Specifically, the processor 32 refers to the crew log information database (FIG. 7) and the driving score log information database (FIG. 8) to calculate the appearance frequency of the driving score for each crew member.
The processor 32 identifies crew identification information for crew members who meet predetermined conditions. A crew member who satisfies a predetermined condition (hereinafter referred to as a “specific crew member”) is, by way of example and not limitation, a crew member who frequently drives unfavorably and who satisfies any of the following conditions.
・A crew member whose driving score is less than or equal to a predetermined driving score “2” ・A crew member whose driving score is less than or equal to a score arbitrarily designated by the user A driving score corresponding to the lowest 10% of the frequency) is a driver whose appearance frequency is equal to or greater than a predetermined number. Identify information.

After step S531, the server 30 executes an insurance simulation response (S532).
Specifically, processor 32 transmits insurance simulation response data to client device 10 . Insurance simulation response data includes the following information:
・Distribution of frequency of appearance of changed driving score obtained in step S530 ・Assumed insurance premium and amount of difference obtained in step S530 ・Driver name information obtained in step S531

After step S532, the client device 10 presents the insurance simulation result (S511).

At step S511 corresponding to the first case of step S510, the processor 12 displays a screen P51 (FIG. 24) on the display.

The screen P51 includes image objects IMG21 and IMG51, a display object A51, and an operation object B51.

The image object IMG51 is the difference between the appearance frequency distribution of the driving score before the change and the distribution of the appearance frequency of the driving score after the change included in the insurance simulation response data (that is, the driving score changed in step S530). It is an image showing the appearance frequency of "2" to "3").

The display object A51 displays the current insurance premium, the assumed insurance premium, the amount of difference, and the name of the specific crew member.
The current insurance premium is the same as the display object A50.
The assumed insurance premium is an assumed insurance premium included in the insurance simulation response data.
The amount of difference is the amount of difference included in the insurance simulation response data.
A specific crew member is crew name information included in the insurance simulation response data.

The operation object B51 is an object that receives a user's instruction for presenting the tallied results regarding the duties of the specific crew member.

In step S511 corresponding to the second case of step S510, the processor 12 displays the screen P52 (FIG. 25) on the display.

The screen P52 includes image objects IMG21 and IMG52, a display object A51, and an operation object B51.

The image object IMG52 is the difference between the appearance frequency distribution of the driving score before the change and the distribution of the appearance frequency of the driving score after the change included in the insurance simulation response data (that is, the driving score changed in step S530). It is an image showing the appearance frequency of "2" to "3").

The first example of the insurance simulation of modification 2 is based on the distribution of the frequency of appearance of driving scores arbitrarily specified by the user (for example, by clicking an arbitrary score and specifying an increase or decrease in frequency by an operation such as dragging). It can also be applied to an example of calculating an assumed insurance premium.

(6-2-2-2) Second Example of Insurance Simulation of Modification 2 A second example of insurance simulation of Modification 2 will be described. A second example of the insurance simulation of Modified Example 2 is an example of predicting insurance premiums when operating conditions for each mobile body are changed.
FIG. 26 is a diagram showing an example of the first screen displayed in the second example of the insurance simulation of Modification 2. As shown in FIG. FIG. 27 is a diagram showing an example of the second screen displayed in the second example of the insurance simulation of Modification 2. As shown in FIG. FIG. 28 is a diagram showing an example of the third screen displayed in the second example of the insurance simulation of modification 2. As shown in FIG.

As shown in FIG. 23, the client device 10 executes an insurance simulation request (S510).

In the example of step S510 according to the second example of the insurance simulation of modification 2, when the user operates the operation object B22c on the screen P22 (FIG. 14), the processor 12 displays the screen P53 (FIG. 26) on the display. .

The screen P53 includes image objects IMG22a-IMG22b, operation objects B22a-B22b, and a display object A53.

Image objects IMG22a-IMG22c are configured to be operable.

The display object A53 displays the current insurance premium, the assumed insurance premium, and the amount of difference.

As shown in FIG. 27, on the screen P53, the user performs an operation of moving the boundary line IMG22aa of the operating ratio of each moving object of the image object IMG22a (pie chart) (for example, an operation of increasing the operating ratio of the moving object "M02"). , the processor 12 changes the operating ratio of each mobile object without changing the total operating time of the target mobile object according to the user's operation.
Here, it may be difficult to accurately distribute the value obtained as the amount of change to other elements due to computer processing or the number of display digits. In such a case, the approximation of the amount of change may be distributed to other factors. In such a case, the processor 12 changes the operating ratio of each mobile object according to the user's operation without substantially changing the total operating time of the target mobile object. The same applies to subsequent examples.
Processor 12 transmits insurance simulation request data to server 30 . In this case, the insurance simulation request data includes the operating ratio of each moving body after change.

As shown in FIG. 28, when the user performs an operation to move the circumference line IMG22ab of the image object IMG22a (pie chart) (for example, an operation to expand the area of the pie chart) on the screen P53, the processor 12 According to the operation, the total operating time of all target moving bodies is changed without substantially changing the operating ratio of each moving body.
Processor 12 transmits insurance simulation request data to server 30 . In this case, the insurance simulation request data includes the operating time of each moving body after the change.

After step S510, server 30 executes an insurance simulation (S530).

The storage device 31 stores an insurance simulation model. The insurance simulation model includes the operation of mobile units (as an example, operating ratio and operating hours), the operation of each management department (as an example, operating ratio and operating hours), the operating score of mobile units, and the correlation with insurance premiums. relationship is described.

As shown in FIG. 27, when the user performs an operation to move the boundary line IMG 22aa, the processor 32 inputs the operating ratio of each moving body after the change and the driving score of each moving body into the insurance simulation model, Calculate the assumed insurance premium value (for example, the value at the end of the 2σ interval) corresponding to the operation ratio of each moving body after the change.
The processor 32 calculates the difference (that is, the amount of difference) between the current insurance premium and the assumed insurance premium.

As shown in FIG. 28, when the user performs an operation to move the circumference line IMG22ab, the processor 32 inputs the changed operating time of each moving object and the driving score of each moving object to the insurance simulation model. , the value of the assumed insurance premium (for example, the value at the end of the 2σ interval) corresponding to the operating time of each moving body after the change is calculated.
The processor 32 calculates the difference (that is, the amount of difference) between the information in the "insurance premium" field of the mobile information database (FIG. 6) and the assumed insurance premium.

In the second example of insurance simulation, step S531 is omitted.

After step S530, the server 30 executes an insurance simulation response (S532).
Specifically, the processor 32 transmits insurance simulation response data to the client device 10 . The insurance simulation response data includes the assumed insurance premium and the amount of difference obtained in step S530.

After step S532, the client device 10 presents the insurance simulation result (S511).

As shown in FIG. 27, when the user performs an operation to move the boundary line IMG22aa, the processor 12 displays a screen P54 on the display.
In the screen P54, the position of the boundary line IMG54 in the image object IMG22a is the position according to the user's operation on the screen P53. Therefore, the position of boundary line IMG54 is different from the position of boundary line 22aa.
The display object A54 displays the assumed insurance premium and the amount of difference included in the insurance simulation response data.

As shown in FIG. 28, when the user performs an operation to move the circumference line IMG22ab, the processor 12 displays a screen P55 on the display.
On the screen P55, in addition to the image object IMG22a, the image object IMG55 and the size ratio of the image object IMG55 to the image object IMG22a are displayed. The size of the image object IMG55 corresponds to the user's operation on the screen P53. Therefore, the size of image object IMG55 is different from the size of image object IMG22a. The size ratio of the image object IMG55 to the image object IMG22a corresponds to the amount of change in the circumference line IMG22ab (that is, the amount of change in the operation ratio) according to the user's operation.
The display object A55 displays the assumed insurance premium and the amount of difference included in the insurance simulation response data.

The second example of the insurance simulation can also be applied to an example of changing both the operating ratio and operating time for each mobile object (for example, when the user operates both the boundary line IMG 22aa and the circumference line IMG 22ab).

A second example of the insurance simulation is an example of changing at least one of the operating ratio and total operating time for each management department (for example, when the user operates at least one of the boundary line and the circumference line of the image object IMG22b). It is also applicable to

(6-2-2-3) Third Example of Insurance Simulation of Modification 2 A third example of insurance simulation of Modification 2 will be described. A third example of the insurance simulation of Modified Example 2 is an example of predicting insurance premiums when crew conditions are changed.
FIG. 29 is a diagram showing an example of the first screen displayed in the third example of the insurance simulation of modification 2. FIG. FIG. 30 is a diagram showing an example of the second screen displayed in the third example of the insurance simulation of modification 2. As shown in FIG.

As shown in FIG. 23, the client device 10 executes an insurance simulation request (S510).
When the user operates the operation object B23 on the screen P23 (FIG. 15), the processor 12 displays the screen P56 (FIG. 29) on the display.

Screen P56 includes image objects IMG23a-IMG23b and message objects A23 and A56.

Image objects IMG23a-IMG23b are configured to be operable.

The display object A56 displays the current insurance premium, the assumed insurance premium, and the amount of difference.

As shown in FIG. 30, on the screen P56, the user performs an operation to move the boundary line IMG23ba of the duty ratio of each crew member in the image object IMG23b (pie chart) (for example, increase the working ratio of the crew member "D02" and operation to reduce the working ratio of the crew member "D01"), the processor 12 changes the crew duty ratio of each crew member according to the user's operation without substantially changing the total operating time of the target moving body. do.
Processor 12 transmits insurance simulation request data to server 30 . In this case, the insurance simulation request data includes the crew duty ratio of each crew member after the change.

After step S510, server 30 executes an insurance simulation (S530).

The storage device 31 stores an insurance simulation model. The insurance simulation model describes the correlation between the driver's duty information (as an example, duty time ratio and duty time), the driving score of the moving body, and the insurance premium.

As shown in FIG. 30, when the user performs an operation to move the boundary line IMG23ba, the processor 32 inputs the changed crew duty ratio of each crew member and the driving score or average driving score of each crew member to the insurance simulation model. calculates the value of the assumed insurance premium (for example, the value at the end of the 2σ interval) corresponding to the crew duty ratio of each crew member after the change.
The processor 32 calculates the difference (that is, the amount of difference) between the information in the "insurance premium" field of the mobile information database (FIG. 6) and the assumed insurance premium.

In the third example of insurance simulation, step S531 may be omitted.

After step S530, the server 30 executes an insurance simulation response (S532).
Specifically, the processor 32 transmits insurance simulation response data to the client device 10 . The insurance simulation response data includes the assumed insurance premium and the amount of difference obtained in step S530.

After step S532, the client device 10 presents the insurance simulation result (S511).

As shown in FIG. 30, when the user performs an operation to move the boundary line IMG23ba, the processor 12 displays a screen P57 on the display.
In the screen P57, the position of the boundary line IMG57 in the image object IMG23b is the position according to the user's operation on the screen P56. Therefore, the position of boundary line IMG57 is different from the position of boundary line 23ba.
The display object A57 displays the assumed insurance premium and the amount of difference included in the insurance simulation response data.

The third example of the insurance simulation is also applied to an example in which both the operating ratio and operating time for each crew member are changed for the target moving object (for example, when the user operates both the boundary line IMG23ba and the circumference line IMG23bb). It is possible.

The third example of the insurance simulation can also be applied to an example in which both the operating ratio and operating time for each crew member are changed for the target moving body.

(6-2-2-4) Fourth Example of Insurance Simulation of Modification 2 A fourth example of insurance simulation of Modification 2 will be described. A fourth example of the insurance simulation of Modified Example 2 is an example of predicting insurance premiums when at least one of crew member's crew conditions and travel information is changed.
FIG. 31 is a sequence diagram of a fourth example of insurance simulation of Modification 2. FIG. FIG. 32 is a diagram showing an example of the first screen displayed in the fourth example of the insurance simulation of modification 2. As shown in FIG. FIG. 33 is a diagram showing an example of the second screen displayed in the fourth example of the insurance simulation of Modification 2. As shown in FIG.

As shown in FIG. 31, the client device 10 executes an insurance simulation request (S510) as in FIG.
After step S510, server 30 executes insurance simulation (S530) to insurance simulation response (S532) in the same manner as in FIG.
After step S532, the client device 10 presents the insurance simulation result (S511) as in FIG.

After step S511, the client device 10 executes a crew count request (S610).
Specifically, when the user operates the operation object B51 on the screen P51 ( FIG. 23 ) or the operation object B52 on the screen P52 ( FIG. 24 ), the processor 12 transmits insurance total request data to the server 30 . The insurance summary request data includes crew identification information for a particular crew member.

After step S610, the server 30 performs crew counting (S630).
Specifically, the processor 32 refers to the crew log information database (FIG. 8) associated with the mobile unit identification information to be tabulated, and sets the crew ID included in the insurance tabulation request data in the "crew ID" field. Identify records that contain identifying information.
The processor 32 identifies the information in the "start date and time of driving duty" field, the "end date and time of driving duty" field, and the "driving score" field of the identified record.
The processor 32 calculates the total value of the difference between the specified information in the "start date and time of crew duty" field and the information in the "end date and time of crew duty" field (that is, cumulative crew duty time) for each piece of mobile body identification information.
For each moving body identification information, the processor 32 obtains a value based on the information in the specified "driving score" field (referred to as "driving score evaluation value"), for example, an average value, as the driving score evaluation value for the moving body. Calculate

After step S630, the server 30 executes a crew count response (S631).
Specifically, the processor 32 transmits the crew member total response data to the client device 10 . The crew total response data includes the cumulative crew time and reference driving score for each mobile object identification information obtained in step S630.

After step S631, the client device 10 presents the crew count result (S611).
Specifically, processor 12 displays screen P60 (FIG. 32) on the display.

The screen P60 includes image objects IMG60a-IMG60b, a display object A60, and operation objects B60a-B60b.

The image object IMG60a indicates information on the cumulative driving time and reference driving score for each mobile body included in the crew response data. Here, in FIG. 32, the average value of the driving scores (average driving score) is displayed as the reference driving score.
The image object IMG60b is a graph showing the crew duty ratio for each mobile body included in the crew total response data.

The operation object B60a is an object that receives a user's instruction for executing an insurance simulation when the crew condition of the specific crew member is changed.
The operation object B60b is an object that receives a user's instruction for presenting the specific crew member's travel information. Mobile object identification information is assigned to the operation object B60b.

After step S611, the client device 10 executes an insurance simulation request (S612).

As shown in FIG. 33, on the screen P60, the user performs an operation of moving the boundary line IMG60a of the duty ratio of each moving body in the image object IMG60b (pie chart) (for example, an operation to increase the duty ratio of the moving body "M02"). , the processor 12 changes the duty ratio of each mobile body according to the user's operation without substantially changing the total duty time of the target crew member.
Processor 12 transmits insurance simulation request data to server 30 . In this case, the insurance simulation request data includes the crew ratio of each mobile body after the change.

After step S612, server 30 executes an insurance simulation (S632).
Specifically, the storage device 31 stores an insurance simulation model. The insurance simulation model describes the correlation between the driving time of the moving object, the driver's driving score, and the insurance premium.
The processor 32 inputs the duty time included in the insurance simulation request data and the driving score for each mobile body obtained in step S630 into the insurance simulation model, thereby calculating an assumption corresponding to the changed duty ratio of each mobile body. Calculate the insurance premium value (for example, the value at the end of the 2σ interval).
The processor 32 calculates the difference (that is, the amount of difference) between the information in the "insurance premium" field of the mobile information database (FIG. 6) and the assumed insurance premium.

After step S632, the server 30 executes an insurance simulation response (S633).
Specifically, processor 32 transmits insurance simulation response data to client device 10 . The insurance simulation response data includes the assumed insurance premium and the amount of difference obtained in step S632.

After step S633, the client device 10 presents the insurance simulation result (S613).

As shown in FIG. 33, when the user performs an operation to move the boundary line IMG60a, the processor 12 displays a screen P61 on the display.
In the screen P61, the position of the boundary line IMG61 in the image object IMG60 is the position according to the user's operation on the screen P60. Therefore, the position of boundary line IMG61 is different from the position of boundary line 60a.
The display object A61 displays the assumed insurance premium and the amount of difference included in the insurance simulation response data.

The fourth example of the insurance simulation of modification 2 is also applicable to an example in which both the operating ratio and operating time for each crew member are changed.

(6-2-2-5) Fifth Example of Insurance Simulation of Modification 2 A fifth example of insurance simulation of Modification 2 will be described. A fifth example of the insurance simulation of Modified Example 2 is an example of predicting an insurance premium when the driver's travel information is changed.
FIG. 34 is a diagram showing a screen example displayed in the fifth example of the insurance simulation of Modification 2. As shown in FIG.

The client device 10 executes the insurance simulation request (S510) as in FIG.
After step S510, the server 30 executes insurance simulation (S530) to insurance simulation response (S532) as in FIG.
After step S532, the client device 10 executes presentation of insurance simulation results (S511) to request for crew member totals (S610) in the same manner as in FIG.
After step S610, the server 30 executes crew total (S630) to crew total response (S631) in the same manner as in FIG.
After step S631, the client device 10 presents the crew member total result (S611) in the same manner as in FIG.

After step S611, the client device 10 executes an insurance simulation request (S612).
When the user operates the operation object B60b on the screen P60 (FIG. 32), the processor 12 acquires from the server 30 the travel information of the specific crew member associated with the mobile body identification information assigned to the operation object B60b.
The processor 12 displays the screen P63 (FIG. 34) on the display.

The screen P63 includes an image object IMG63, a display object A63, and an operation object B63.

The image object IMG63 is a graph showing the travel information of the specific crew member (for example, the number of times of sudden acceleration, the number of times of sudden deceleration, and the number of times of sudden steering) and the travel information to be compared.

Here, the object of comparison in the fifth example of the insurance simulation of Modification 2 is, for example, a statistical value such as the average value or median value of travel information of all crew members for a specific customer, or the average value or median value of the top 20% of the scores. Alternatively, the travel information of one crew member (for example, a veteran crew member with the longest working history) who satisfies a predetermined condition may be used as a comparison target, and the target person and calculation method are not particularly limited.

The display object A63 displays the current insurance premium, the assumed insurance premium, and the difference insured amount.

When the user operates the image object IMG 63 (for example, a graph of the number of sudden accelerations), the processor 12 transmits insurance simulation request data to the server 30 . The insurance simulation request data includes information identifying travel information operated by the user (for example, the number of sudden accelerations).

After step S612, server 30 executes an insurance simulation (S632).
Specifically, the storage device 31 stores an insurance simulation model. The insurance simulation model describes the correlation between travel information and insurance premiums.
The processor 32 changes the value of the travel information (for example, the number of sudden accelerations) corresponding to the information identifying the travel information included in the insurance simulation request data to a value to be compared.
The processor 32 inputs the changed travel information to the insurance simulation model to calculate the value of the assumed insurance premium (for example, the value at the end of the 2σ interval) corresponding to the changed travel information.
The processor 32 calculates the difference (that is, the amount of difference) between the information in the "insurance premium" field of the mobile information database (FIG. 6) and the assumed insurance premium.

After step S632, the server 30 executes an insurance simulation response (S633).
Specifically, processor 32 transmits insurance simulation response data to client device 10 . The insurance simulation response data includes the assumed insurance premium and the amount of difference obtained in step S632.

After step S633, the client device 10 presents the insurance simulation result (S613).
Specifically, processor 12 displays screen P64 (FIG. 34) on the display.

Screen P64 includes an image object IMG64 and a display object A64.

The image object IMG64 is a graph showing the travel information after the change.

The display object A64 displays the assumed insurance premium and the amount of difference included in the insurance simulation response data.

The fifth example of the insurance simulation of Modification 2 can also be applied to an example in which an assumed insurance premium is calculated according to a value of travel information arbitrarily specified by the user (for example, the number of sudden accelerations).

In addition, in the fifth example of the insurance simulation of modification 2, an example of changing the crew condition of the specific crew member extracted in S531 was described, but the subject of change is not limited to the specific crew member, and any crew member's crew condition can be changed. It may be changed. In this case, the target crew member is, for example, a crew member who refers to the crew member information database and satisfies a predetermined condition (for example, a new employee who has not passed one year since joining the company), a crew member arbitrarily specified by the user, etc. S531. may be performed based on different processing, and the designation method and selection method are not particularly limited.

(6-2-3) Summary of modification 2

According to Modification 2, the predicted value of the assumed insurance premium corresponding to the simulation conditions specified by the user is presented. Thereby, the user can easily grasp the change of the insurance premium according to the simulation conditions specified by the user.

In Modified Example 2, at least one of the simulation conditions specified by the user (for example, the frequency of appearance of the driving score, the operating conditions for each mobile body, the operating conditions for each management department, the operating conditions for each crew member, and the driving information of the crew members ), but the scope of application of the present embodiment is not limited to this. In this embodiment, conditions according to the insurance premium specified by the user (for example, frequency of appearance of the driving score, operating conditions for each mobile object, operating conditions for each management department, operating conditions for each crew member, and driving information of the crew member (at least one of) is also applicable to the example of calculating.
This allows the user to easily grasp the conditions for realizing the insurance premium specified by the user.

In Modified Example 2, conditions given for insurance simulation (hereinafter referred to as "insurance simulation conditions") are not limited to the above examples. Insurance simulation conditions are conditions related to factors that can directly or indirectly affect insurance premiums, and changes in the factors (not limited to quality improvement) can be attempted by operating at least one of the vehicle and the crew. It is not particularly limited as long as it is possible.

In Modified Example 2, an example is shown in which what is presented to the customer is the assumed insurance premium, but the scope of the present embodiment is not limited to this. In the present embodiment, for example, when the assumed insurance premium satisfies a predetermined condition (for example, the median value of the assumed insurance premium is 150% or more or 50% or less of the current insurance premium, the assumed insurance premium is set in advance by the customer or the like). exceeding a specified threshold, etc.), as information suggesting changes in the management method of mobile MB, for example, in addition to or instead of presenting the assumed insurance premium, the following At least one may be presented.
・Proposals to expand or reduce insurance content ・Proposals to cancel, add, or change mobile leases ・Proposals to change or withdraw from customer business models

In the present embodiment, at least one of the skill (for example, reducing the number of sudden accelerations) that the crew should improve in order to realize the assumed insurance premium, and the guidance content for improving the skill are presented. may

Although Modified Example 2 shows an example of executing an insurance simulation based on the insurance simulation conditions specified by the user, the scope of the present embodiment is not limited to this. For example, the present embodiment can also be applied to an example in which the client device 10 or the server 30 determines recommended insurance simulation conditions and executes an insurance simulation based on the insurance simulation conditions. The device and position to be used are not particularly limited.

(7) Other Modifications Other modifications will be described.

In step S150, an example is shown in which the communication terminal 52 transmits the crew start request data to the server 30 when the crew member inputs his or her own crew member identification information, mobile unit identification information, and information about the purpose of the duty. However, the scope of the present embodiment is not limited to this. This embodiment is also applicable to, for example, the following examples.
Crew identification information, sensor identification information, moving body identification information, and information about crew purpose are stored in advance in the storage device 31 in association with each other.
When the crew member connects the predetermined sensor unit 50 to the mobile body MB at the start of work, the communication terminal 52 transmits the crew start request data to the server 30 . The crew duty start request data includes crew identification information and information on the execution date and time of step S150.
When the server 30 receives the crew duty start request data, the server 30 identifies the sensor identification information, the mobile body identification information, and the information regarding the duty purpose associated with the crew member identification information included in the crew duty start request data.
After that, the server 30 updates the crew log (step S130).
As a result, it is possible to omit the operation by the crew on the screen P10 (FIG. 10) (that is, the registration work at the start of the crew duty).

In this embodiment, in step S231, an example in which comparison is performed based on the type of industry of the target customer has been shown, but the scope of this embodiment is not limited to this. The object of comparison in the present embodiment may be related to the customer or the mobile MB managed or owned by the customer from some point of view, or the management quality of the mobile may satisfy a predetermined condition. It can also be applied to an example that is an aggregate specified on the basis of at least one of .
・Companies or aggregates of companies whose size (for example, corporate value based on stock price, sales, number of crew members, and profits) are the same as or similar to the customer ・Area where managed or owned vehicles mainly travel (for example, area types such as urban areas or mountainous areas, frequency of use of general roads, and frequency of use of expressways) are the same as or similar to customers, individuals or companies, or aggregates thereof Management or Individuals or companies with the same or similar number of mobile devices as the customer, or a group of them. Individuals, companies, or a group thereof ・Individuals, companies, or a group of them whose crew service quality (for example, the crew's on-board hours) are the same or similar to customers Individuals or companies included in the top 10 ranking companies (the number of companies is not particularly limited) for the driving score value (for example, the average driving score value of all managed vehicles) in the same area, etc., or a set of them・Individuals or companies with the same or similar labor quality (for example, the total number of hours worked by a crew member) or a group thereof group, part of a group of mobile units managed or owned by a customer (for example, only a certain department of a customer is to be compared), etc.)

In this embodiment, an example of calculating the average value as an aggregate value is shown, but the aggregate value in this embodiment is not particularly limited, and for example, it is also applicable to an example in which at least one of the following is calculated as an aggregate value. be.
・Monthly premium range (maximum and minimum)
・Driving score range (maximum and minimum values)
・Deviation value (for example, calculating with all companies in all industries as the population)

In the present embodiment, an example is shown in which the calculation of the driving score (S131) is executed after the completion of the crew duty request (S153), but the scope of the present embodiment is not limited to this. This embodiment can also be applied to an example in which the calculation of the driving score (S131) is executed after any of the following processes.
・Customer tally request (S211)
・Driving score distribution tabulation request (S311)

In the present embodiment, an example in which the driving score is expressed in 10 stages has been shown, but the scope of the present embodiment is not limited to this. In the present embodiment, the driving score may be expressed in any stage, for example, it is applicable to an example in which the driving score is expressed in 100 stages.

The various models of this embodiment are not particularly limited to those described above, and may include, for example, at least one of the following models.
・Linear model generated by a predetermined calculation method (e.g. moving average method) ・Non-linear model outputting assumed values by a calculator learned based on teacher data

In this embodiment, display objects A50, A53, A56, A60, and A63 for presenting the current insurance premium, the assumed insurance premium, and the amount of difference before accepting the user's operation for determining the simulation conditions. is presented to the user, the scope of the present embodiment is not limited to this. Presentation of display objects A50, A53, A56, A60, and A63 can be omitted. In this case, display objects A51, A54, A57, A61, and A64 for presenting the current insurance premium, the assumed insurance premium, and the amount of difference are displayed by the user after receiving the user's operation for determining the simulation conditions. is preferably presented to

In the present embodiment, an example of calculating the value of the 2σ interval edge of the distribution of the assumed insurance premium as the value of the assumed insurance premium is shown, but the method of calculating the assumed insurance premium in this embodiment is not particularly limited. , a value at an end of an arbitrary section of the distribution of assumed insurance premiums, or a unique value may be calculated.

In this embodiment, an example of presenting the customer, that is, the policyholder, how the insurance premium can be optimized was shown, but the present invention is not limited to this. The presentation destination of the information on the appropriateness of insurance premiums in this embodiment is, for example, a person who considers the appropriateness of the content of the insurance contract for the policyholder (for example, the insurance company itself or its agent that provides the insurance contract, or a separate other insurance companies, their agents, friends, relatives, etc.).

In this embodiment, the distribution of the driving score, the total operating time in the insured mobile group, the operating ratio for each mobile unit and the operating ratio for each management department, the total operating time for one mobile unit and the crew ratio for each crew member, and An example of presenting the post-change assumed insurance premium by changing any of the total duty time for one crew member, the duty ratio for each mobile body, and the traveling information has been shown, but the subject of change in this embodiment is limited to these. can't The subject of change may be, for example, the vehicle type of a mobile object, and may be any element that directly or indirectly affects insurance premium information.

The storage device 11 may be connected to the client device 10 via the network NW. Storage device 31 may be connected to server 30 via network NW.

Each step of the information processing described above can be executed by either the client device 10 or the server 30 .
For example, if the client device 10 can execute all steps of the above information processing, the client device 10 functions as an information processing device that operates stand-alone without transmitting requests to the server 30 .

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited to the above embodiments. Also, the above embodiments can be modified and modified in various ways without departing from the gist of the present invention. Also, the above embodiments and modifications can be combined.

Reference Signs List 1: Information processing system 10 : Client device 11 : Storage device 12 : Processor 13 : Input/output interface 14 : Communication interface 30 : Server 31 : Storage device 32 : Processor 33 : Input/output interface 34 : Communication interface 50 : Sensor unit 51 : Running sensor 52: communication terminal 55: running sensor

Claims (18)

An information processing method executed by a server, comprising:
generating aggregated data about the plurality of moving bodies based on travel information of the plurality of moving bodies;
calculating first insurance premium information corresponding to the aggregated data;
outputting first information, which is information relating to at least part of the aggregated data and which includes a predetermined element, and the first insurance premium information;
changing the predetermined element included in the first information;
calculating second insurance premium information corresponding to data reflecting the first information after the change with respect to the aggregated data;
outputting the second insurance premium information;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing methods. Generating second information including the predetermined element regarding at least one mobile entity, at least one individual, or at least one legal entity having a predetermined relationship with the plurality of mobile entities;
outputting the second information;
The information processing method according to claim 1 . Generating second information including the predetermined element regarding at least one individual or at least one legal entity whose management quality of the mobile unit satisfies a predetermined condition;
outputting the second information;
The information processing method according to claim 1 . In the change, the value of the predetermined element included in the first information is set to a value based on the predetermined element included in the second information.
4. The information processing method according to claim 2 or 3. further comprising outputting information suggesting changes to the management method of the plurality of moving bodies when the first insurance premium information satisfies a predetermined condition;
The information processing method according to any one of claims 1 to 4. An information processing method executed by a client device,
Acquiring first insurance premium information corresponding to aggregated data relating to the plurality of mobile bodies based on travel information of the plurality of mobile bodies;
displaying, on a display unit, first information that is information relating to at least part of the aggregated data and that includes a predetermined element, and the first insurance premium information;
displaying the first information in which the predetermined element has been changed on the display unit;
Acquiring second insurance premium information corresponding to data reflecting first information including the predetermined element after the change with respect to the aggregated data;
displaying the second insurance premium information on the display unit;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing methods. a generating unit that generates aggregated data about the plurality of moving bodies based on travel information of the plurality of moving bodies;
a calculation unit that calculates first insurance premium information corresponding to the aggregated data;
an output unit that outputs first information that is information about at least part of the aggregated data and that includes a predetermined element, and the first insurance premium information;
a changing unit that changes the predetermined element included in the first information,
The calculation unit calculates second insurance premium information corresponding to data reflecting the first information after the change with respect to the aggregated data,
The output unit outputs the second insurance premium information,
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing equipment. an acquisition unit that acquires first insurance premium information corresponding to aggregated data about the plurality of mobile bodies based on travel information of the plurality of mobile bodies;
a first information that is information about at least part of the aggregated data and that includes a predetermined element; and a display unit that displays the first insurance premium information,
The display unit displays the first information in which the predetermined element has been changed,
The acquisition unit acquires second insurance premium information corresponding to data reflecting the changed first information for the aggregated data,
The display unit displays the second insurance premium information,
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing equipment. A program executed by a server,
generating aggregated data about the plurality of moving bodies based on travel information of the plurality of moving bodies;
calculating first insurance premium information corresponding to the aggregated data;
outputting first information, which is information relating to at least part of the aggregated data and which includes a predetermined element, and the first insurance premium information;
changing the predetermined element included in the first information;
calculating second insurance premium information corresponding to data reflecting the changed first information with respect to the aggregated data;
outputting the second insurance premium information;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
program. A program executed by a client device, comprising:
Acquiring first insurance premium information corresponding to aggregated data relating to the plurality of mobile bodies based on travel information of the plurality of mobile bodies;
displaying, on a display unit, first information that is information relating to at least part of the aggregated data and that includes a predetermined element, and the first insurance premium information;
displaying the first information in which the predetermined element has been changed on the display unit;
Acquiring second insurance premium information corresponding to data reflecting the first information after the change with respect to the aggregated data;
displaying the second insurance premium information on the display unit;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
program. An information processing method executed by an information processing system,
generating aggregated data about the plurality of moving bodies based on travel information of the plurality of moving bodies;
calculating first insurance premium information corresponding to the aggregated data;
displaying, on a display unit, first information that is information relating to at least part of the aggregated data and that includes a predetermined element, and the first insurance premium information;
displaying the first information in which the predetermined element has been changed on the display unit;
calculating second insurance premium information corresponding to data reflecting the changed first information with respect to the aggregated data;
displaying the second insurance premium information on the display unit;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing methods. An information processing method executed by a server, comprising:
generating aggregated data about the plurality of moving bodies based on travel information of the plurality of moving bodies;
calculating first insurance premium information corresponding to the aggregated data;
outputting first information, which is information relating to at least part of the aggregated data and which includes a predetermined element, and the first insurance premium information;
changing the predetermined element included in the first information;
calculating differential insurance premium information corresponding to a difference between the first insurance premium information and insurance premium information corresponding to data reflecting the changed first information for the aggregated data;
outputting the difference premium information;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing methods. An information processing method executed by a client device,
Acquiring first insurance premium information corresponding to aggregated data relating to the plurality of mobile bodies based on travel information of the plurality of mobile bodies;
displaying, on a display unit, first information that is information relating to at least part of the aggregated data and that includes a predetermined element, and the first insurance premium information;
displaying the first information in which the predetermined element has been changed on the display unit;
Acquiring differential insurance premium information corresponding to a difference between the first insurance premium information and insurance premium information corresponding to data reflecting the changed first information for the aggregated data;
displaying the difference insurance premium information on the display unit;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing methods. a generating unit that generates aggregated data about the plurality of moving bodies based on travel information of the plurality of moving bodies;
a calculation unit that calculates first insurance premium information corresponding to the aggregated data;
an output unit that outputs first information that is information about at least part of the aggregated data and that includes a predetermined element, and the first insurance premium information;
a changing unit that changes the predetermined element included in the first information,
The calculation unit calculates difference insurance premium information corresponding to a difference between insurance premium information corresponding to data reflecting the first information after the change and the first insurance premium information with respect to the aggregated data. ,
The output unit outputs the difference insurance premium information,
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing equipment. an acquisition unit that acquires first insurance premium information corresponding to aggregated data about the plurality of mobile bodies based on travel information of the plurality of mobile bodies;
a first information that is information about at least part of the aggregated data and that includes a predetermined element; and a display unit that displays the first insurance premium information,
The display unit displays the first information in which the predetermined element has been changed,
The acquiring unit acquires difference insurance premium information corresponding to a difference between the first insurance premium information and insurance premium information corresponding to data reflecting the changed first information from the aggregated data. ,
The display unit displays the difference insurance premium information,
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing equipment. A program executed by a server,
generating aggregated data about the plurality of moving bodies based on travel information of the plurality of moving bodies;
calculating first insurance premium information corresponding to the aggregated data;
outputting first information, which is information relating to at least part of the aggregated data and which includes a predetermined element, and the first insurance premium information;
changing the predetermined element included in the first information;
calculating differential insurance premium information corresponding to a difference between the first insurance premium information and insurance premium information corresponding to data reflecting the changed first information for the aggregated data;
outputting the difference premium information;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
program. A program executed by a client device, comprising:
Acquiring first insurance premium information corresponding to aggregated data relating to the plurality of mobile bodies based on travel information of the plurality of mobile bodies;
displaying, on a display unit, first information that is information relating to at least part of the aggregated data and that includes a predetermined element, and the first insurance premium information;
displaying the first information in which the predetermined element has been changed on the display unit;
Acquiring differential insurance premium information corresponding to a difference between the first insurance premium information and insurance premium information corresponding to data reflecting the changed first information for the aggregated data;
displaying the difference insurance premium information on the display unit;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
program. An information processing method executed by an information processing system,
generating aggregated data about the plurality of moving bodies based on travel information of the plurality of moving bodies;
calculating first insurance premium information corresponding to the aggregated data;
displaying, on a display unit, first information that is information relating to at least part of the aggregated data and that includes a predetermined element, and the first insurance premium information;
displaying the first information in which the predetermined element has been changed on the display unit;
calculating differential insurance premium information corresponding to a difference between the first insurance premium information and insurance premium information corresponding to data reflecting the changed first information for the aggregated data;
displaying the difference insurance premium information on the display unit;
including
The predetermined elements include the distribution of the driving scores of the plurality of mobile bodies , the operating ratio of the plurality of mobile bodies, the operating ratio of each management department regarding the plurality of mobile bodies , the crew duty ratio of each crew member in one mobile body , and At least one of the crew duty ratios for each mobile unit of one crew member,
Information processing methods.

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