WO2022024401A1

WO2022024401A1 - Information processing method, program, and information processing device

Info

Publication number: WO2022024401A1
Application number: PCT/JP2020/036624
Authority: WO
Inventors: 傑梅田; 彰仁乙黒; 啓介中田; 智之水野
Original assignee: あいおいニッセイ同和損害保険株式会社
Priority date: 2020-07-29
Filing date: 2020-09-28
Publication date: 2022-02-03
Also published as: JPWO2022024401A1; TW202205186A

Abstract

In this information processing method, a processor included in an information processing device executes: acquisition of first information related to launch of a self-driving system for a vehicle, and second information related to termination of the self-driving system; application of a first risk regarding the vehicle before the first information is acquired or after the second information has been acquired; application of a second risk regarding the vehicle in the period of time spanning from when the first information is acquired until the second information is acquired; and determination of an insurance rate for the vehicle on the basis of the first risk and the second risk.

Description

Information processing methods, programs, and information processing equipment

Disclosure technology relates to information processing methods, programs, and information processing devices.

Conventionally, there are various methods for calculating automobile insurance. For example, there is a technique for calculating an automobile insurance premium by setting the insurance premium higher than the standard insurance premium as the correlation between the driving behavior score and the self-awareness test result answered by the driver is lower (see Patent Document 1).

International Publication No. 2018/180347

On the other hand, in recent years, the development of automatic driving systems has been actively carried out, and the automatic driving vehicles (autonomous driving vehicles) currently being put into practical use or planned to be put into practical use are according to the definition of the automatic driving level. It is a vehicle that corresponds to conditional driving automation (level 3) or advanced driving automation (level 4). Vehicles that fall under Levels 3 and 4 use an automated driving system, but require the intervention of a driver. For vehicles at these levels 3 and 4, the driver is required to drive as in the conventional technology as vehicle insurance because the driver intervenes and it is not known when and where the automatic driving system is activated. It is expected that the standard insurance will be applied.

However, it is assumed that the risk when a driving vehicle drives a vehicle is different from the risk when an autonomous driving system drives, so insurance should be provided appropriately according to the situation of the driver's sovereignty of the vehicle. Is required.

The disclosed technology was made in view of the circumstances described above, and aims to provide insurance appropriately according to the situation of the driver's sovereignty of the vehicle to which the automatic driving system can be applied.

The information processing method, which is one aspect of the disclosed technology, is that the processor included in the information processing apparatus acquires the first information regarding the activation of the automatic driving system for the vehicle and the second information regarding the termination of the automatic driving system. The first risk is applied to the vehicle before the first information is acquired or after the second information is acquired, and the second information is acquired after the first information is acquired. The second risk is applied to the vehicles up to, and the insurance premium of the vehicle is determined based on the first risk and the second risk.

According to the disclosed technology, insurance can be provided appropriately according to the situation of the driver's sovereignty of the vehicle to which the automatic driving system can be applied.

It is a figure for demonstrating the outline of the insurance management system of this disclosure. It is a figure which shows an example of the hardware composition of the information processing apparatus which concerns on embodiment. It is a block diagram which shows an example of the functional structure of the 1st information processing apparatus which concerns on embodiment. It is a figure which shows an example of the vehicle information which concerns on embodiment. It is a figure which shows an example of the position-related information which concerns on embodiment. It is a figure which shows an example of the event information which concerns on embodiment. It is a block diagram which shows an example of the functional structure of the 2nd information processing apparatus which concerns on embodiment. It is a figure which shows an example of the vehicle information which concerns on embodiment. It is information which shows an example of the risk information which concerns on embodiment. It is information which shows an example of the condition information which concerns on embodiment. It is a figure which shows an example of the running record information which concerns on embodiment. It is a figure which shows an example of the coefficient of the total mileage risk which concerns on embodiment. It is a figure which shows an example of the coefficient of the total running time risk which concerns on embodiment. It is a figure which shows the relationship A of an event, a driver sovereignty, and an applied risk in an embodiment. It is a figure which shows the relationship B of an event, a driver sovereignty, and an applied risk in an embodiment. It is a figure which shows the relationship C of an event, a driver sovereignty, and an applied risk in an embodiment. It is a figure which shows the screen example of the insurance premium information output to the driver which concerns on embodiment. It is a flowchart about the processing of the insurance management system which concerns on embodiment.

[Embodiment]
Hereinafter, embodiments of the disclosure will be described in detail with reference to the drawings. It should be noted that the following embodiments are examples for explaining the present invention, and are not intended to limit the disclosed technology to only the embodiments. In addition, the disclosed technology can be modified in various ways as long as it does not deviate from its gist. Further, those skilled in the art can adopt an embodiment in which each element described below is replaced with an equal one, and such an embodiment is also included in the scope of the disclosed technology. Furthermore, the positional relationship such as up, down, left, and right shown as necessary shall be based on the indicated display unless otherwise specified. Furthermore, the various dimensional ratios in the drawings are not limited to the ratios shown. Further, the same elements are designated by the same reference numerals, and duplicate description will be omitted.

<System overview>
FIG. 1 is a diagram for explaining an outline of the insurance management system 1 of the present disclosure. As shown in FIG. 1, the

vehicles

20A and 20B to which the automatic driving system can be applied, the first information processing device 10A that controls the automatic driving system, and the second information processing device 10B managed by the insurance company form a network. The insurance management system 1 is configured by being connected to each other so as to be communicable with each other.

Further, in FIG. 1, when the A code and the B code are used in common without distinction, A and B are omitted and displayed. For example, when the

vehicles

20A and 20B are not distinguished and are collectively expressed, they are expressed as the vehicle 20. Further, when the first information processing device 10A and the second information processing device 10B are not distinguished and are collectively expressed, they are expressed as the information processing device 10. The number of vehicles 20 and the information processing device 10 is not limited to two, and any number of vehicles 20 and the information processing device 10 can use this system.

In the example shown in FIG. 1, the vehicle 20 is a vehicle in which the driver can drive with sovereignty and the automatic driving system can also drive automatically with sovereignty. For example, the vehicle 20 is a vehicle corresponding to level 3 or level 4 according to the automatic driving level definition. The vehicle here means a vehicle such as an automobile, a two-wheeled vehicle, an airplane, or a helicopter, which may be driven by a driver and may be driven by an automatic driving system.

The vehicle 20 transmits various information indicating the state of the mounted automatic driving system (hereinafter, also referred to as “various event information”) to the first information processing device 10A. Further, the vehicle 20 activates and terminates the automatic driving system in response to an operation from the driver, and transmits these event information to the first information processing apparatus 10A in a timely manner. Further, the vehicle 20 may transmit vehicle information about its own vehicle to the first information processing device 10A, and may transmit, for example, event information to the first information processing device 10A.

Here, the processing of the automatic driving system will be explained. In the automatic driving system, the execution of the program of the automatic driving system is started by receiving the operation of turning on the automatic driving system of the driver. After that, it is determined whether or not the operation design domain (ODD: Operational Design Domain) including the condition of whether or not the automatic driving is possible is satisfied. When the condition of this ODD is satisfied, the control by the automatic driving system is actually started. When the ODD condition is no longer satisfied, the control by the automatic driving system is terminated and the driver's sovereignty is returned to the driver. Driving sovereignty means who primarily has the right to control driving. Further, until the driver operates to turn off the automatic driving system, it is determined whether or not the ODD condition is satisfied, and if the ODD condition is satisfied, the control by the automatic driving is started again. .. When the driver turns off the automatic driving system, the execution of the program of the automatic driving system ends.

In the disclosed technology, "starting the automatic driving system" means that the driver starts the execution of the program of the automatic driving system by turning on the automatic driving system, or the condition of ODD is satisfied. It means either to start the control of automatic driving by the driving system. Unless otherwise specified, "starting the automatic driving system" means either one, and when there is a description to distinguish between them, "starting the automatic driving system" means the former and the latter process. And the notation is separated.

In addition, "terminating the automatic driving system" means that the driver ends the reading of the program of the automatic driving system by the operation of turning off the automatic driving system, or ends the control of the automatic driving by the automatic driving system. Means one of. Unless otherwise specified, "starting the automatic driving system" means either one, and when there is a description to distinguish between them, "starting the automatic driving system" means the former and the latter process. And the notation is separated.

The first information processing device 10A is a server device that provides, for example, an automatic driving system mounted on a vehicle 20 in cooperation with the vehicle 20. The first information processing device 10A may be provided for each manufacturer (manufacturer) of the vehicle 20 or for each automatic driving system. For example, when the first information processing apparatus 10A receives a command signal for turning on the automatic driving system from the vehicle 20, it executes a driving control program for controlling automatic driving. This driving control program acquires data from various sensors mounted on the vehicle 20 and controls the automatic driving of the vehicle 20 in cooperation with the automatic driving program mounted on the vehicle 20. As the automatic driving system, one of the systems provided by each company may be used. Further, the automatic driving system determines whether or not the ODD condition is satisfied based on the data acquired from the vehicle 20, and if the condition is satisfied, the driver transfers the driving sovereignty from the driver to the automatic driving system and starts operation control. ..

The first information processing device 10A stores information related to the automated driving system, and transmits or transfers information related to vehicle insurance calculation to the second information processing device 10B at a predetermined timing. The information regarding the calculation of the vehicle insurance is, for example, information regarding the event change acquired from the vehicle 20, information regarding the vehicle, and the like. The information regarding the event change includes, for example, the first information regarding the activation of the automatic driving system, the second information regarding the termination of the automatic driving system, and the like. The data may be transferred in a timely manner at a predetermined timing, or may be collectively transferred after a predetermined period has elapsed.

The second information processing device 10B is a server or the like managed by an insurance company. The second information processing device 10B identifies a risk according to the state of the driver's sovereignty of the vehicle based on the information related to the calculation of the vehicle insurance acquired from the first information processing device 10A, and pays the insurance premium based on this risk. decide. For example, since the risk when the driver drives the vehicle 20 and the risk when the automatic driving system drives the vehicle 20 are different, the second information processing apparatus 10B recognizes the state of these driver sovereignty. The insurance premium is calculated based on the risk according to this condition.

The insurance premium may be calculated using, for example, the risk according to the state of the driver's sovereignty or the automatic driving sovereignty, the mileage under each driver's sovereignty, and / or the traveling time. Driver sovereignty means, for example, that the driver mainly controls the operation of the vehicle, and automatic driving sovereignty means, for example, driving control at level 3 or higher in the automatic driving level definition. In addition, the insurance premium is calculated in units of a predetermined period, for example, one week, one month, six months, or one year, and the insurance premium for the next predetermined period is determined using the average risk within a certain predetermined period. May be done.

Further, the second information processing apparatus 10B uses the position-related information of the vehicle 20 to use the mileage and / or the mileage for a predetermined period (for example, one day), and the mileage performance risk using the specified risk. Or the driving score may be calculated from the speed of the vehicle 20 or the degree of danger of the road on which the vehicle 20 is traveling. The second information processing apparatus 10B may determine the insurance premium based on the driving performance risk and the driving score.

The second information processing device 10B may transmit insurance premium information regarding the determined insurance premium to an external device, for example, a portable processing terminal used by the driver of the vehicle 20, a navigation system mounted on the vehicle 20, or the like. The insurance premium information regarding the insurance premium includes at least one of the insurance premium in the state of each driver's sovereignty and the insurance premium for a predetermined period as a result of the insurance premium calculation, and is also used for calculating the driving performance risk, the driving score, and other insurance premiums. It may further include the information and the like.

The transmitted insurance premium information is displayed on the screen of the destination, so that the driver of the vehicle 20 can know his / her own insurance premium and the like. Further, the second information processing apparatus 10B may provide driving advice to the driver by analyzing the driving score. For example, the second information processing apparatus 10B tells the driver the difference between the driving score and the automatic driving system by analyzing the difference in the driving score according to each state (for example, the state of the driver's sovereignty, the automatic driving system sovereignty, etc.). It will be possible to give advice on differences.

The network to which each device shown in FIG. 1 is connected may be configured to include a plurality of types of communication lines, communication networks, and various network devices. For example, the network is connected from a base station wirelessly connected to the information processing apparatus 10, a wireless LAN access point (WiFi router, etc.), a mobile communication network connected to the base station, or an access point via a router or a modem. It includes a public line such as a telephone line, a cable TV line or an optical communication line, the Internet connected to the information processing device 10, a mobile communication network, a gateway device connecting the public line and the Internet, and the like.

As a result, insurance can be appropriately provided according to the situation of the driver's sovereignty of the vehicle 20 to which the automatic driving system can be applied. In addition, the insurance company does not need to provide the insurance for the driver and the insurance for the automatic driving system separately, and can apply the common insurance to the vehicle 20, without complicating the insurance. , It is possible to effectively utilize the resources of the server managed and operated by itself, and it is possible to reduce the increase in management cost.

<Hardware configuration>
Next, the hardware configuration of each device related to the insurance management system 1 will be described. FIG. 2 is a diagram showing an example of the hardware configuration of the information processing apparatus 10 according to the embodiment. As shown in FIG. 2, the information processing apparatus 10 has a control unit 102, a communication interface 104, and a storage unit 106, and each unit is connected via a bus line 112.

The control unit 102 includes one or a plurality of processors (CPU (Central Processing Unit)), ROM (ReadOnlyMemory), RAM (RandomAccessMemory), and the like. Further, the control unit 102 is configured to realize each function by executing a program or the like stored in the storage unit 106. The program is an automatic operation control program when the information processing device 10 is the first information processing device 10A, and is a program for determining insurance premiums when the information processing device 10 is the second information processing device 10B (hereinafter, "" It is also called a "decision program").

The communication interface 104 controls communication with another device (for example, a vehicle 20 or another information processing device) via a network.

The storage unit 106 is composed of, for example, one or a plurality of large-capacity HDDs (Hard Disk Drive) or SSD (Solid State Drive), and stores applications and data (not shown) for realizing a server function. In addition, the control program 108 is stored. Further, the storage unit 106 has an information storage unit 110.

The control program 108 is a program including an automatic operation control program and / or a determination program. For example, when the control program 108 includes a determination program, the control program 108 recognizes the state of the driver's sovereignty based on the information acquired from the first information processing apparatus 10A, or identifies the risk based on the driver's sovereignty. Insurance premiums are determined based on risk.

The information storage unit 110 stores information and the like used for executing each program. For example, the information storage unit 110 may store data used for insurance premium calculation, insurance premium rate corresponding to each risk, insurance premium calculation formula, driving score calculation formula, etc. by executing the determination program. good.

The processing device mounted on the vehicle 20 also has the same parts as those shown in FIG. For example, the control unit (CPU) executes an automatic operation program stored in the storage unit. As a result, the vehicle 20 can travel in automatic driving under the control of the automatic driving system in cooperation with the automatic driving control program executed by the first information processing device 10A.

<Functional configuration>
Next, the functions of the first information processing apparatus 10A according to the embodiment will be described with reference to FIGS. 3 to 6, and the functions of the second information processing apparatus 10B will be described with reference to FIGS. 7 to 13. FIG. 3 is a block diagram showing an example of the functional configuration of the first information processing apparatus 10A according to the embodiment. The first information processing device 10A shown in FIG. 3 has a first communication unit 202A, a first storage unit 208A, and a first control unit 210A.

The first communication unit 202A can be realized by, for example, a control unit 102, a communication interface 104, or the like. The first storage unit 208A can be realized, for example, by the storage unit 106. The first control unit 210A can be realized, for example, by executing the control program 108 by the control unit 102.

The first communication unit 202A communicates with the vehicle 20 and the second information processing device 10B via a network. For example, the first receiving unit 206A supplies the vehicle information, the position-related information, the event information, etc. received from the vehicle 20 or the like to the first control unit 210A. Further, the first transmission unit 204A transmits the data supplied from the first control unit 210A to the second information processing apparatus 10B.

The first storage unit 208A is for storing various programs and various data. Here, the program stored in the first storage unit 208A is a program related to the automatic driving system. In addition, data related to the automatic driving system, display data, data of various calculation results, and the like are also recorded in the first storage unit 208A.

For example, vehicle information, position-related information, event information, driving control program, etc. are stored in the first storage unit 208A. These pieces of information may be physically stored in another storage unit, or one storage unit may be logically divided and stored. Details of each information stored in the first storage unit 208A will be described later with reference to FIGS. 4 to 6. The first storage unit 208A may be a database separate from the first information processing device 10A.

The first control unit 210A has a functional module of the automatic driving system in the embodiment. Further, the first control unit 210A realizes an automatic driving system for the vehicle 20, and has a first acquisition unit 212A, a driving control unit 214A, and a transfer unit 216A. The functional module may be realized by the above-mentioned various programs executed by the control unit 102, or may be mounted on the control unit 102 as firmware.

The first acquisition unit 212A acquires predetermined information from the first storage unit 208A. The acquired information is used by the first control unit 210A for processing related to the automatic driving system.

The driving control unit 214A executes a driving control program and controls the automatic driving of the vehicle 20. For example, the driving control unit 214A can analyze information acquired from various sensors (for example, LiDAR, camera, illuminance sensor, etc.) mounted on the vehicle 20 to recognize road objects such as roadways and traffic lights, and can drive safely. To control. The operation control unit 214A activates and terminates the automatic driving system in response to an operation from the driver of the vehicle 20.

The transfer unit 216A performs transfer control so as to transmit the predetermined information acquired by the first acquisition unit 212A to the second information processing apparatus 10B via the first transmission unit 204A. At this time, the transfer unit 216A may hash the vehicle information or convert it into another information and transmit it according to a rule common to the second information processing apparatus 10B from the viewpoint of security. The predetermined information is, for example, event information, and may include vehicle information and position-related information.

FIG. 4 is a diagram showing an example of vehicle information according to the embodiment. In the example shown in FIG. 4, the vehicle information is information including VIN (Vehicle Identification Number) information of the vehicle 20, a driver's personal ID, and the like.

VIN information is vehicle identification information for identifying the vehicle 20. The personal ID is information for identifying the driver, which is set when the vehicle insurance is taken out. Further, the vehicle information may include the driver's name, the address where the driver lives, and the like.

FIG. 5 is a diagram showing an example of position-related information according to the embodiment. In the example shown in FIG. 5, the position-related information includes personal ID, timestamp, speed, longitude, and latitude information. Further, the position-related information may include information such as a road type (expressway or general road) and traffic conditions (traffic jam, etc.) associated with latitude and longitude information acquired from a map information providing application or the like.

The personal ID is the same as the personal ID described above, and is an ID or the like set when applying insurance. The time information is time information indicating a time at a predetermined time point, the speed information is, for example, the speed at a predetermined time point, and the latitude and longitude information is position information indicating a position at a predetermined time point. The position information is information acquired by GPS or the like. The predetermined time point may be measured in units of, for example, every second or every few seconds. As for the personal ID, vehicle information may be managed instead.

FIG. 6 is a diagram showing an example of event information according to the embodiment. In the example shown in FIG. 6, the event information includes VIN information, an event, and timestamp information. The event information shown in FIG. 6 is managed for each vehicle.

The VIN information is the same as the above-mentioned VIN information. The time information is time information indicating the time when the event occurs, and the event is information indicating an event related to the change of the driving sovereignty of the vehicle 20. The event includes, for example, first information (ON information) indicating an event related to the start of the automatic driving system, second information (OFF information) indicating an event related to the termination of the automatic driving system, and conditions for enabling automatic driving. It includes the third information (condition OK information) indicating an event relating to satisfying the condition of the operation design area (ODD) to be included, and the fourth information (condition NG information) indicating an event relating to not satisfying the condition of ODD. The event information may be only the first information (ON information or condition OK information) and the second information (OFF information or condition NG information).

At least one part of the information shown in FIGS. 4 to 6 is transmitted to the second information processing apparatus 10B and used to determine the insurance premium for the vehicle 20 using the automatic driving system.

FIG. 7 is a block diagram showing an example of the functional configuration of the second information processing apparatus 10B according to the embodiment. The second information processing apparatus 10B shown in FIG. 7 has a second communication unit 302B, a second storage unit 308B, and a second control unit 310B.

The second communication unit 302B can be realized by, for example, a control unit 102, a communication interface 104, or the like. The second storage unit 308B can be realized, for example, by the storage unit 106. The second control unit 310B can be realized, for example, by executing the control program 108 by the control unit 102.

The second communication unit 302B communicates with the vehicle 20 and the first information processing device 10A via a network. For example, the second receiving unit 306B receives event information from the first information processing device 10A. Further, the second receiving unit 306B may receive vehicle information and position-related information from the first information processing device 10A. In this case, the second receiving unit 306B supplies the vehicle information, the position-related information, and the event information received from the first information processing apparatus 10A and the like to the first control unit 310A.

The second transmission unit 304B transmits the data supplied from the second control unit 310B to the vehicle 20 or the like. For example, the second transmission unit 304B transmits the insurance premium information regarding the insurance premium determined by the determination unit 314B described later to another device (for example, a mobile processing terminal used by the driver). In addition, insurance premium information is information related to insurance premiums, for example, risks for determining insurance premiums calculated from various data, ranks that categorize risks, details of insurance contracts subscribed, and determined insurance premiums. It may be information including.

The second storage unit 308B is for storing various programs and various data. Here, the program stored in the second storage unit 308B is a program related to determination of insurance premiums. Further, the second storage unit 308B also records data related to determination of insurance premiums, display data, data of various calculation results, and the like. The second storage unit 308B may be a database separate from the second information processing device 10B.

For example, vehicle information, event information, risk information, condition information, driving record information, determination program, etc. are stored in the second storage unit 308B. These pieces of information may be physically stored in another storage unit, or one storage unit may be logically divided and stored. Details of each information stored in the second storage unit 308B will be described with reference to FIGS. 8 to 13.

FIG. 8 is a diagram showing an example of vehicle information according to the embodiment. The vehicle information shown in FIG. 8 includes information about the vehicle 20, may be the same as the information shown in FIG. 4, may further include manufacturer information and system specific information, and may additionally include information required by the insurance company. It may be included.

The event information stored in the second storage unit 308B may be the same as the event information shown in FIG. 5, or may include other information, for example, the position information of the vehicle 20 at the time of the event occurrence.

FIG. 9 is information showing an example of risk information according to the embodiment. In the example shown in FIG. 9, the risk information is associated with the risk for each state (status) determined according to the event. The status is determined according to the transition of the event. For example, the status is determined as follows.
"Status": Event transition "Driver sovereignty": Before the first information (event information indicating ON of the automatic driving system) is acquired, or the second information (event information indicating OFF of the automatic driving system) is acquired. After that, "automatic driving sovereignty": from the acquisition of the first information to the acquisition of the second information "out of conditions": after the acquisition of the first information, the third information (event information indicating that the conditions are OK) is acquired. Until the second information is acquired from the acquisition of the fourth information (event information indicating the condition NG) "within the conditions": from the acquisition of the third information to the acquisition of the fourth information "Switching": The first predetermined period including the time when the third information is generated, or the second predetermined period including the time when the fourth information is generated.

Regarding the above status, the status of "driver sovereignty" and "autonomous driving sovereignty" is indispensable, and the status of "autonomous driving sovereignty" in the case from ON to OFF of the automatic driving system is further subdivided into "out of conditions" and A status of "within conditions" may be provided. Furthermore, when the "out of condition" and "inside" statuses are used, the "switch" status may be optionally provided. Further, "automatic driving sovereignty" means a status within the conditions, and other than that, "driver sovereignty" may be used.

Risk is associated with each of the above statuses. A premium rate may be associated with each risk. For example, the insurance premium can be calculated by multiplying the basic insurance premium by the insurance premium rate corresponding to each of these risks. The risk corresponding to the status is a value preset for each status and is basically a different value, but some of them may be the same value.

For example, the risk at the time of driver sovereignty may be set higher than the risk at the time of automatic driver sovereignty, and the value of the risk may be set higher than the risk at the time of switching the driver sovereignty. Further, since the driver has the sovereignty when the condition is not met, the risk when the condition is not met and the risk when the driver has the sovereignty may be the same. Further, since the driving sovereignty under the conditions is an automatic driving system, the risk within the conditions and the risk at the time of the automatic driving sovereignty may be the same. The following is an example of risk setting.
R2 = R4 (0.8) <R3 (1.1) ≤ R1 (1.2) <R5 (1.4)

FIG. 10 is information showing an example of condition information according to the embodiment. In the example shown in FIG. 10, the condition information is associated with information for specifying the condition content of the ODD. ODD conditions can affect in-vehicle sensors such as road conditions (highways or general roads, etc.), geographical conditions (urban or mountainous areas, etc.), and environmental conditions (day or night, rain, snow, etc.). Conditions) and other conditions (speed limit, signal, continuous operation time, etc.) are included. For example, the conditions of ODD may differ depending on the manufacturer of the vehicle 20 or may differ depending on the company that implements the autonomous driving system. Therefore, the condition information shown in FIG. 10 is associated with the manufacturer information, the system specific information, the ODD condition content, and the risk.

Manufacturer information is information for identifying the manufacturer of the vehicle 20. The system specific information is information for specifying the automatic driving system. The condition content information is, for example, information indicating a rank (C11, C12, etc.) according to the strictness of the ODD condition. Risks are subdivided into multiple risks outside the conditions and within the conditions according to the condition content information. For example, risk R31 and risk R32 are risks in which risk R3 outside the conditions is subdivided, and risk R41 and risk R42 are risks in which risk R4 within conditions is subdivided. The stricter the ODD condition, the safer the automatic driving is possible. Therefore, the stricter the ODD condition, the smaller the risk value may be set.

FIG. 11 is a diagram showing an example of travel record information according to the embodiment. In the example shown in FIG. 11, the travel record information is associated with the VIN information that identifies the vehicle, and the travel distance, the travel time, the travel distance risk, the travel time risk, and the like are associated with each status.

The status is determined by the determination unit 314B based on the event transition. The mileage is a value obtained by adding up the mileage traveled at the time of each status for each status. The running time is a value obtained by adding up the running time at the time of each status for each status. The mileage risk is a value obtained by multiplying the mileage by the risk for each status. The running time risk is a value obtained by multiplying the running time by the risk for each status.

FIG. 12 is a diagram showing an example of the coefficient of the total mileage risk according to the embodiment. In the example shown in FIG. 12, the total mileage risk is classified by dividing it into predetermined ranges, and the coefficients are associated with each classified range. The total mileage risk is the sum of the mileage risks of each status. In the example shown in FIG. 12, as the total mileage risk decreases, the value of the coefficient also decreases.

FIG. 13 is a diagram showing an example of the coefficient of the total running time risk according to the embodiment. In the example shown in FIG. 13, the total running time risk is classified by dividing it into predetermined ranges, and the coefficients are associated with each classified range. The total running time risk is a value obtained by adding the running time risks of each status. In the example shown in FIG. 13, as the total running time risk decreases, the value of the coefficient also decreases.

Returning to FIG. 7, the second control unit 310B has a functional module for determining the insurance premium in the embodiment, and has, for example, a second acquisition unit 312B, a determination unit 314B, and an output unit 316B. The functional module may be realized by the above-mentioned various programs executed by the control unit 102, or may be mounted on the control unit 102 as firmware.

The second acquisition unit 312B acquires predetermined information from the second storage unit 308B. The acquired information is used by the second control unit 310B for processing related to the determination of insurance premiums. For example, the second acquisition unit 312B acquires the first information regarding the activation of the automatic driving system for the vehicle 20 and the second information regarding the termination of the automatic driving system.

The determination unit 314B applies the first risk to the vehicle 20 before the first information is acquired or after the second information is acquired, and the second information is acquired after the first information is acquired. The second risk is applied to the vehicle 20 up to this point, and the insurance premium for the vehicle 20 is determined based on the first risk and the second risk. For example, the determination unit 314B may determine the first insurance premium based on the first risk for the vehicle 20 before the first information is acquired or after the second information is acquired. Further, the determination unit 314B may determine the second insurance premium based on the second risk for the vehicle 20 from the acquisition of the first information to the acquisition of the second information. Specifically, the determination unit 314B uses the first risk at the time of driver sovereignty and the second risk at the time of automatic driving sovereignty, and the mileage and / or the mileage at the time of each sovereignty to determine the respective insurance premiums. It may be calculated and finally the insurance premium for the vehicle 20 may be determined.

As described above, the determination unit 314B determines the insurance premium of the vehicle specified by the vehicle information by using the risk based on the event information such as the first information and the second information. For example, the determination unit 314B determines in advance the risk according to the driver's sovereignty of the vehicle 20, identifies whether the driver's sovereignty is the driver or the automatic driving system according to the occurrence of the event, and the specified driving. Insurance premiums may be calculated using the risks corresponding to sovereignty. Specifically, the determination unit 314B may determine the next premium by multiplying the basic premium by a coefficient specified from the average risk of a predetermined period. Further, when the determination unit 314 determines the insurance premium according to the mileage, in the case of driver sovereignty, for example, the insurance premium is set at 10 yen / km with the risk coefficient of multiplying the basic insurance premium as 1.0. In the case of automatic driving sovereignty, for example, the risk coefficient may be set to 0 and no insurance premium may be added. The risk coefficient may be changed according to the traveling time zone, the traveling place, the manufacturer or the vehicle type of the vehicle, as described later. The timing for renewing the insurance premium may be one month, several months, one year, or a predetermined day. The insurance premium information regarding the determined insurance premium is transmitted to the mobile processing terminal or the like used by the driver. Further, the determination unit 314B may determine the insurance premium based on the driving performance and risk at the time of driver sovereignty and the driving performance and risk at the time of automatic driving sovereignty.

Further, when the determination of whether or not the condition for enabling the autonomous driving is satisfied is made, the second acquisition unit 312B has the third information regarding the affirmative determination of the condition (condition OK) and the negative determination of the condition (condition NG). ) May include acquiring the fourth information. In this case, the determination unit 314B is the third with respect to the vehicle 20 from the acquisition of the first information to the acquisition of the third information, or from the acquisition of the fourth information to the acquisition of the second information. The risk is applied, the fourth risk is applied to the vehicle 20 from the acquisition of the third information to the acquisition of the fourth information, and the insurance premium of the vehicle 20 is further based on the third risk and the fourth risk. May be determined.

For example, the determination unit 314B subdivides the status from ON to OFF of the automatic driving system, and determines that the driving sovereignty becomes the automatic driving system only when the condition of ODD is satisfied. As a result, the determination unit 314B may determine the insurance premium for the vehicle 20 from the acquisition of the third information to the acquisition of the fourth information by using the fourth risk of the lowest risk.

As a result, even if the automatic driving system is turned on, the state until the ODD condition is satisfied (the driver's sovereignty is still the driver's state) and the state where the ODD condition is satisfied and the automatic driving is in progress (the driver's sovereignty is the automatic driving). It can be separated from the system status), and the insurance premium can be calculated based on the risk according to the actual driving sovereignty. Further, by using the event information by the system, a more appropriate status can be determined.

Further, when the condition of ODD includes a plurality of conditions, the determination unit 314B may change the third risk or the fourth risk according to the content of the condition. For example, as described above, ODD has a plurality of conditions such as road conditions and environmental conditions, and the contents of each condition may differ depending on the developing company. In this case, the driving risk of the automatic driving system differs depending on the contents of the conditions. Therefore, the determination unit 314B may specify the content of the applied ODD condition and change the third risk or the fourth risk according to the content of the condition.

For example, the determination unit 314B may use the third risk or the fourth risk set for each rank divided according to the strictness of the ODD condition. That is, the third risk or the fourth risk is subdivided by rank.

As a result, by using the risk according to the conditions of ODD, the driving risk by the automatic driving system can be appropriately judged, and the insurance premium can be determined based on the more appropriate driving risk.

Further, the second acquisition unit 312B may further acquire vehicle information regarding the vehicle 20. In this case, if the vehicle information includes the manufacturer information about the manufacturer or the system specific information that identifies the automatic driving system, the determination unit 314B specifies the content of the ODD condition based on the manufacturer information or the system specific information. You may. As described above, since the conditions of ODD may differ depending on the developing companies, the determination unit 314B identifies the developing companies based on the manufacturer information and the system specific information.

This allows the insurance company to grasp the conditions of ODD and determine the appropriate insurance premium using the risks according to each condition.

Further, the determination unit 314B is the first for the vehicle 20 in the first predetermined period including the time when the affirmative judgment of the ODD condition is made by the automatic driving system, or the second predetermined period including the time when the negative judgment is made after the affirmative judgment. 5 risks may be applied and the insurance premium for the vehicle 20 may be determined based on this 5th risk. Since the risk is high during the predetermined period when the driver's sovereignty is switched from the driver to the automatic driving system, the determination unit 314B determines the insurance premium based on the risk set for this period. For the first predetermined period or the second predetermined period, for example, a predetermined second is set.

As a result, the timing at which the driver's sovereignty is switched is determined, and the driver's sovereignty is transferred at this switching timing, and the possibility of an accident changes. You can decide the fee.

The output unit 316B may control to output the insurance premium information regarding the determined insurance premium to another device at a predetermined timing. The output unit 316B specifies the destination of the insurance premium information, and controls to output the insurance premium information to the specified destination. The destination may be set to an e-mail address or the like specified by the driver.

This makes it possible to report to the driver information regarding the determined insurance premium.

Further, the determination unit 314B may include changing the first risk or the second risk according to the vehicle specified by the vehicle identification information included in the vehicle information. For example, the determination unit 314B may specify the manufacturer and / or vehicle type of the vehicle from the vehicle identification information, and change the first risk or the second risk according to the specified manufacturer and / or vehicle type. The risk to be changed is not limited to the first risk or the second risk, and at least one of the third risk to the fifth risk may be changed.

This makes it possible to apply risks according to vehicles with different driving performance and appropriately determine insurance premiums using this risk.

Further, the determination unit 314B may determine the insurance premium by using the driving score of the driver calculated based on the time information and the speed information included in the position-related information. For example, the determination unit 314B may calculate the acceleration using the time information and the speed information, and obtain the driving score from this acceleration. The determination unit 314B may calculate the insurance premium based on this driving score when the driving sovereignty is the driver. For example, the driving score may be divided into a plurality of ranks, and a coefficient of the driving score may be set for each rank. The smaller the driving score, the smaller the coefficient is set. The driving score may be calculated by a known technique.

This makes it possible to reflect the driving score in the insurance premium when the driver's sovereignty is the driver, and it becomes possible to determine a more appropriate insurance premium.

Further, the determination unit 314B may calculate and determine the insurance premium based on the following formula (1).
Next insurance premium = current insurance premium x total mileage risk coefficient x total mileage risk coefficient x driving score coefficient ... Equation (1)
Further, at least one of the total mileage risk coefficient, the total mileage risk coefficient, and the driving score coefficient may be multiplied by the current insurance premium. As a result, the next insurance premium can be calculated by comprehensively considering the risks for each status with respect to the driving performance, and a more appropriate insurance premium can be determined.

<Specific examples of risk application>
Next, using FIGS. 14A to 14C, the relationship between the event, the driver's sovereignty, and the applied risk will be described with three specific examples. FIG. 14A is a diagram showing the relationship A between the event, the driver's sovereignty, and the applied risk in the embodiment. The example shown in FIG. 14A is the simplest example of status determination. In this case, the determination unit 314B is attached to the vehicle 20 until the automatic driving system is started (until the first information is acquired) or after the automatic driving system is terminated (after the second information is acquired). On the other hand, since the driver's sovereignty is the driver, the risk R1 for the driver's sovereignty is applied. Further, the determination unit 314B applies the risk R2 for the automatic driving sovereignty because the driving sovereignty is the automatic driving system from the start to the end of the automatic driving system. The activation of the automatic driving system in FIG. 14A includes either turning on the automatic driving system or starting the operation control by the automatic driving system.

FIG. 14B is a diagram showing the relationship B between the event, the driver's sovereignty, and the applied risk in the embodiment. In the example shown in FIG. 14B, the time when the automatic driving system is turned on and the case where the driving sovereignty is turned on are separated. In this case, the determination unit 314B is the vehicle 20 until the automatic driving system is turned on (until the first condition is acquired) or after the automatic driving system is terminated (after the automatic driving system is turned off). On the other hand, since the driver's sovereignty is the driver, the risk R1 for the driver's sovereignty is applied.

Further, the determination unit 314B is either from the time when the automatic driving system is turned on until the operation control by the automatic driving system is started (until the third information is acquired), or until the operation control by the automatic driving system is completed. From (after the fourth information is acquired) until the automatic driving system is turned off, the risk R3 for driver sovereignty while the automatic driving system is ON is applied. Further, the determination unit 314B applies the risk R4 for the automatic driving sovereignty from the start to the end of the operation control by the automatic driving system. R4 may be the same as R2.

FIG. 14C is a diagram showing the relationship C between the event, the driver's sovereignty, and the applied risk in the embodiment. The example shown in FIG. 14C is basically the same as the example shown in FIG. 14B, except that the determination unit 314B applies the risk R5 for transferring the driver's sovereignty at the timing when the driver's sovereignty is switched. This makes it possible to determine insurance premiums with appropriate risk.

<Output example>
FIG. 15 is a diagram showing a screen example of insurance premium information output to the driver according to the embodiment. In the example shown in FIG. 15, the insurance premium information transmitted from the second information processing apparatus 10B is displayed and controlled on the screen of the external device as the insurance premium for the next month. At this time, if the insurance premium information includes information on the total mileage risk coefficient, the total mileage risk coefficient, and the driving score from the second information processing device 10B, these information are displayed and controlled on the screen. To. The coefficient of total mileage risk, the coefficient of total mileage risk, and driving score are daily information, and the insurance premium may be monthly information of a unit different from each risk and score. ..

<Operation processing>
Next, the processing of the insurance management system 1 will be described. FIG. 16 is a flowchart relating to the processing of the insurance management system 1 according to the embodiment. The process shown in FIG. 16 shows an example of the process executed by the second information processing apparatus 10B.

In step S102, the second acquisition unit 312B of the second information processing device 10B acquires the event information related to the automatic driving system for the vehicle 20 transmitted by the first information processing device 10A. The event information includes the first information regarding the start of the automatic driving system, the second information regarding the termination of the automatic driving system, and the third information regarding the determination that the ODD condition by the automatic driving system is satisfied. It may include the fourth information regarding the determination that the ODD condition is not satisfied.

In step S104, the determination unit 314B determines the status of the vehicle 20 based on the event information. For example, the determination unit 314B determines the status shown in FIG. 9 based on the transition of the event.

In step S106, when the determination unit 314B determines the status, the determination unit 314B identifies the risk according to the status. For example, the table shown in FIG. 9 is used to identify the risk.

In step S108, the determination unit 314B determines the insurance premium based on the risk corresponding to each determined status. The premium may be determined based on the risk of each status, the mileage of each status, and / or the travel time and the like. The determination unit 314B may determine the insurance premium at a preset determination timing. The determination timing is a predetermined period unit, for example, a week unit or a monthly unit.

In step S110, the output unit 316B determines whether or not a predetermined timing for notification has arrived. For example, the output unit 316B has a calendar function and the like, and determines whether or not a predetermined timing has arrived. If the predetermined timing arrives (step S110-YES), the process proceeds to step S112, and if the predetermined timing does not arrive (step S110-NO), the process returns to step S102. The determination of the predetermined timing may be combined with the determination timing.

In step S112, the output unit 316B outputs the insurance premium information regarding the determined insurance premium to an external device. The external device is a device set in advance by the driver, such as a portable processing terminal of the driver, an in-vehicle navigation system of the driver's vehicle 20, and the like.

For the above-mentioned embodiment, the insurance premium may be paid annually, for example, or the insurance premium may be determined and reviewed on a monthly basis. In this case, when the insurance premium for the next period is determined, if the insurance premium is lower than the monthly insurance premium paid, the second information processing apparatus 10B has the insurance premium determined as the monthly insurance premium. The difference between the above and may be refunded to the driver. The unit for reviewing insurance premiums is not limited to monthly units, but may be several days, weeks, or months.

Further, each of the above-mentioned processes may be implemented as a program executed by a computer. This program is installed in a computer, stored in a computer-readable storage medium (for example, a non-temporary storage medium), and executed by a computer control unit (for example, a processor) to perform the above processing. May be realized.

<Modification 1>
In the first modification, at least a part of the processing of the first information processing device 10A and the second information processing device 10B is executed by the in-vehicle computer mounted on the vehicle 20. For example, the control unit (CPU) of the vehicle-mounted computer executes the automatic driving system in the own vehicle 20. At this time, the control unit of the in-vehicle computer enables the processing of the determination unit 314B shown in FIG. 7 to be executed.

In this case, the control unit of the in-vehicle computer determines the status based on the driver's sovereignty based on the first information regarding the start of the automatic driving system and the second information regarding the termination, which are included in the event information, and the risk corresponding to each status. May be used to determine the insurance premium for the vehicle 20.

Further, the control unit of the in-vehicle computer may transmit the insurance premium information regarding the determined insurance premium to the second information processing apparatus 10B via the communication interface 204. Further, the control unit of the in-vehicle computer may be able to execute some of the processes of the first information processing device 10A and the second information processing device 10B as needed. Further, the program for determining the risk and determining the insurance premium, which is executed in the information processing apparatus 10, is an update transmitted from an external device such as the first information processing apparatus 10A or the second information processing apparatus 10B. Can be updated programmatically.

According to the first modification, the control unit of the in-vehicle computer mounted on the vehicle 20 can determine an appropriate insurance premium according to each status of the automatic driving system.

<Modification 2>
In the second modification, the risks described in the embodiments are further subdivided. For example, at least one of the above-mentioned risks R1 to R5 may be set with a different risk depending on at least one such as a traveling time zone, a traveling place, and a weather.

The driving time zone is divided into multiple time zones such as daytime and nighttime, and the risk according to each time zone is applied. For example, nighttime is set at a higher risk than daytime. The determination unit 314B can specify the traveling time zone by using the time information transmitted from the vehicle.

Driving locations are divided into types such as general roads, expressways, urban areas, and countryside, and risks are applied according to each location. The determination unit 314B can specify the type of the traveling place by using the position information transmitted from the vehicle.

The weather is divided into types such as rain, sunny, cloudy, and snow, and the risks according to each weather are applied. For example, rain is set at higher risk than sunny, and snow is set at higher risk than rain. The determination unit 314B can specify the type of weather by using information transmitted from a sensor mounted on the vehicle (for example, image information outside the vehicle captured by a camera) or the like.

In this case, the determination unit 314B is at least one of the travel time zone specified by the time information, the type of the travel location specified by the position information, and the type of the weather specified by the image information captured on the outside of the vehicle. May include modifying at least one of risks R1 to R5 based on.

According to the second modification, the risk differs depending on the external driving environment such as the driving time zone, the driving place type, and the weather type. Therefore, in addition to the determination of the driver sovereignty or the automatic driving sovereignty, the driving environment is determined. It will be possible to make a judgment and calculate the insurance premium by applying the risk based on the driving environment.

1 ... Insurance management system 10 ... Information processing device (server)
20 ... Vehicle 102 ... Control unit 104 ... Communication interface 106 ... Storage unit 202A ... First communication unit 208A ... First storage unit 210A ... First control unit 212A ... First acquisition unit 214A ... Operation control unit 216A ... Transfer unit 302B ... 2nd communication unit 308B ... 2nd storage unit 310B ... 2nd control unit 312B ... 2nd acquisition unit 314B ... determination unit 316B ... output unit

Claims

The processor included in the information processing device
Acquiring the first information regarding the activation of the automatic driving system for the vehicle and the second information regarding the termination of the automatic driving system,
The first risk is applied to the vehicle before the first information is acquired or after the second information is acquired, and the second information is acquired after the first information is acquired. An information processing method for applying a second risk to the vehicles up to and determining the insurance premium of the vehicle based on the first risk and the second risk.
The acquisition is
When it is determined whether or not the condition for enabling autonomous driving is satisfied, it includes acquiring the third information regarding the affirmative determination of the condition and the fourth information regarding the negative determination of the condition.
Determining the insurance premium is
The third risk is applied to the vehicle from the acquisition of the first information to the acquisition of the third information, or from the acquisition of the fourth information to the acquisition of the second information. , The fourth risk is applied to the vehicle from the acquisition of the third information to the acquisition of the fourth information, and the insurance premium of the vehicle is further based on the third risk and the fourth risk. The information processing method according to claim 1, wherein the information processing method comprises the determination of.
Determining the insurance premium is
The information processing method according to claim 2, wherein when the condition includes a plurality of conditions, the third risk or the fourth risk is changed according to the content of the condition.
The processor
Further executing to acquire vehicle information about the vehicle,
Determining the insurance premium is
If the vehicle information includes manufacturer information about the manufacturer or system specific information that identifies the automatic driving system, the claim includes specifying the content of the condition based on the manufacturer information or the system specific information. Item 3. The information processing method according to Item 3.
Determining the insurance premium is
The fifth risk is applied to the vehicle in the first predetermined period including the time when the affirmative judgment is made, or the second predetermined period including the time when the negative judgment is made after the affirmative judgment, and the fifth risk is applied. The information processing method according to any one of claims 2 to 4, further comprising determining an insurance premium for the vehicle.
The processor
The information processing method according to any one of claims 1 to 5, further performing control to output insurance premium information regarding the determined insurance premium to another device at a predetermined timing.
The processor
Further executing to acquire vehicle information including vehicle identification information regarding the vehicle identification,
Determining the insurance premium is
The information processing method according to any one of claims 1 to 6, which comprises changing the first risk or the second risk based on the vehicle specified by the vehicle identification information.
The processor
Further executing to acquire at least one of the time information, the position information, and the image information obtained by capturing the outside of the vehicle while the vehicle is running is further executed.
Determining the insurance premium is
The first risk or the second risk is changed based on at least one of the traveling time zone specified by the time information, the traveling place specified by the position information, and the weather specified by the image information. The information processing method according to any one of claims 1 to 7, comprising the above.
For the processor included in the information processing device
Acquiring the first information regarding the start instruction of the automatic driving system for the vehicle and the second information regarding the end instruction of the automatic driving system.
The first risk is applied to the vehicle before the first information is acquired or after the second information is acquired, and the second information is acquired after the first information is acquired. A program for applying the second risk to the above-mentioned vehicles and determining the insurance premium for the vehicle based on the first risk and the second risk.
An information processing device with a processor
The processor
Acquiring the first information regarding the start instruction of the automatic driving system for the vehicle and the second information regarding the end instruction of the automatic driving system.
The first risk is applied to the vehicle before the first information is acquired or after the second information is acquired, and the second information is acquired after the first information is acquired. An information processing device that applies a second risk to the vehicles up to and determines the insurance premium of the vehicle based on the first risk and the second risk.