WO2022080384A1 - Determination system for purchase of vehicle member damage insurance, device used in determination system, operation method for determination system and device, and program therefor - Google Patents

Determination system for purchase of vehicle member damage insurance, device used in determination system, operation method for determination system and device, and program therefor Download PDF

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Publication number
WO2022080384A1
WO2022080384A1 PCT/JP2021/037773 JP2021037773W WO2022080384A1 WO 2022080384 A1 WO2022080384 A1 WO 2022080384A1 JP 2021037773 W JP2021037773 W JP 2021037773W WO 2022080384 A1 WO2022080384 A1 WO 2022080384A1
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WIPO (PCT)
Prior art keywords
vehicle
image
insurance
vehicle member
application
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PCT/JP2021/037773
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French (fr)
Japanese (ja)
Inventor
周平 前澤
翼 一戸
Original Assignee
ゼアーウィンスリーサービス株式会社
Ｍｓｍ株式会社
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Publication of WO2022080384A1 publication Critical patent/WO2022080384A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present invention relates to a vehicle member damage insurance participation determination system, a device used for the determination system, an operation method of the determination system and the device, and a program thereof.
  • the insurance contract system has existed for some time.
  • Patent Document 1 is for shortening the time from insurance application to contract and improving customer convenience.
  • Patent Document 2 is for providing a system to immediately carry out insurance-related procedures when the necessity is recognized.
  • Patent Document 3 is intended to improve the efficiency of the interview conducted between the life insurance interviewer and the insurance candidate and reduce the burden on the insurance candidate.
  • Patent Document 1 advances the contract from information such as risk management information, it was not possible to easily determine whether or not the customer can take out insurance.
  • Patent Document 2 the authenticity of the image of the document required for insurance examination is only judged by the time stamp and the scramble code.
  • Patent Document 3 is intended to improve the efficiency of interviews, and it is not possible to easily determine whether or not insurance is available.
  • Patent Document 4 is a guarantee service when the product is purchased, and the guarantee service cannot be provided without the purchase of the product.
  • an object of the present invention is to provide a system that can easily determine whether or not it is possible to take out small-amount short-term insurance in order to receive a guarantee service without purchasing a product.
  • Another object of the present invention is to provide a device for determining whether or not to apply for vehicle member damage insurance used in the above system.
  • Yet another object of the present invention is to provide the above system and a method of operating the device.
  • Yet another object of the present invention is to provide a program of the above operating method.
  • a vehicle member damage insurance participation determination system including a terminal for an applicant for applying for vehicle member damage insurance and a device for determining whether or not to apply for vehicle member damage insurance. Therefore, the terminal for the applicant and the device for determining whether or not to apply for the damage insurance for vehicle parts are connected via a network, and the device for determining whether or not to apply for the damage insurance for parts for vehicles is the above application.
  • the application screen is delivered to the applicant terminal, the application screen distribution means, and the application content from the applicant terminal is registered, the insurance application reception means, and the insurance application reception means.
  • the request for the application screen is made by accessing from the homepage or by inputting the URL from the applicant terminal. This makes it possible to easily transition to the application screen.
  • the applicant terminal is equipped with an imaging means and can request an application screen by reading a QR code (registered trademark). This makes it easier to transition to the application screen.
  • QR code registered trademark
  • the applicant terminal is equipped with an email transmission / reception means, and when a request for an application screen is made, the email address registration screen first determines whether or not a warranty application for vehicle component damage can be applied. When it is delivered and the registration of the e-mail address is completed, the URL to the application screen is sent to the e-mail address. As a result, by registering the e-mail, the URL to the application screen can be received, so that the application screen can be accessed immediately even when the input is interrupted.
  • the judgment result is also sent to the registered e-mail address.
  • the judgment result can be displayed at any time by searching the mail.
  • the judgment result includes the QR code (registered trademark).
  • the determination result can be displayed at any time simply by reading the QR code (registered trademark).
  • the vehicle member is a tire
  • the image relating to the vehicle information includes an image of vehicle verification, an image of the front grille of the vehicle, and the vehicle member.
  • the information includes an image of the tire and an image showing the depth of the tire groove. This allows you to take out a small amount of short-term insurance for tire punctures.
  • the image relating to the vehicle information includes an image of vehicle verification, an image of the front grill of the vehicle, and the image of the vehicle member includes the image of the vehicle member.
  • the image relating to the vehicle information includes an image of vehicle verification, an image of the front grill of the vehicle, and the image of the vehicle member includes the image of the vehicle member.
  • a device for determining whether or not to apply for vehicle component damage insurance which is used in this vehicle component damage insurance subscription determination system.
  • the vehicle member damage warranty application used in the vehicle member damage insurance participation determination system or the device for determining whether or not the vehicle member damage insurance participation application is possible. It is a method of operating the device for determining whether or not it is possible, and is a method for operating the device for determining whether or not to apply for insurance for damage to vehicle members. From the stage of distributing the screen to the applicant terminal, the stage of registering the application content from the applicant terminal, the image related to the vehicle information included in the application content, and the image of the vehicle member. , The stage of identifying the vehicle from the vehicle member, the image of the vehicle member, and the image for specifying the state of a large number of the vehicle member stored in the vehicle member state specifying image storage means.
  • the stage of specifying the state of the vehicle member includes the stage of specifying the state of the vehicle member, the stage of determining whether the specified vehicle member is covered by insurance, the stage of determining whether or not the insurance coverage condition is satisfied, and the judgment result are described above.
  • the stage of distributing the e-mail address registration screen to the applicant terminal and the stage for the applicant before the application screen is distributed to the applicant terminal. It includes a stage of registering an e-mail address from a terminal, a stage of sending a URL for accessing the applicant screen to the registered e-mail address, and a stage of receiving access from the applicant terminal. As a result, it is possible to reliably communicate with the applicant terminal via the e-mail address.
  • the method of operating the device for determining whether or not to apply for warranty for damage to vehicle parts includes the stage of sending the determination result to the registered e-mail address. This makes it possible to reliably send the judgment result to the applicant's email address.
  • the QR code (registered trademark) is included in the determination result and / or transmitted.
  • the QR code (registered trademark) of the determination result can be reliably distributed and / or transmitted.
  • the above-mentioned vehicle member damage insurance subscription used for the vehicle component damage insurance subscription determination system or the device for determining whether or not to apply for the vehicle component damage insurance subscription is a program that operates a device that determines whether or not to accept an application, and is a stage of receiving an application request from the above-mentioned applicant terminal, a stage of distributing an application screen to the above-mentioned applicant terminal, and a stage of the above-mentioned applicant terminal.
  • the stage of specifying the state of the vehicle member by comparing the image of the vehicle with the image of specifying the state of a large number of the vehicle member stored in the image storage means for specifying the state of the vehicle member. It includes a stage of determining whether or not the vehicle member is covered by insurance, a stage of determining whether or not the insurance participation condition is satisfied, and a stage of distributing the determination result to the above-mentioned applicant terminal.
  • the stage of distributing the e-mail address registration screen to the applicant terminal and the application before the application screen is distributed to the applicant terminal includes a stage of registering an e-mail address from a user terminal, a stage of sending a URL for accessing the applicant screen to the registered e-mail address, and a stage of receiving access from the applicant terminal.
  • the program that operates the device that determines whether or not to apply for insurance for damage to vehicle parts includes the stage of sending the determination result to the registered e-mail address. This makes it possible to reliably send the judgment result to the applicant's email address.
  • the QR code (registered trademark) is included in the determination result and distributed and / or transmitted.
  • the QR code registered trademark of the determination result can be reliably distributed and / or transmitted.
  • an applicant applying for a vehicle component damage insurance application receives a determination result of whether or not the insurance coverage application condition is satisfied by applying for a vehicle component damage insurance subscription from the applicant terminal. If you meet the insurance application conditions, you can take out insurance as it is.
  • FIG. 1 is a diagram showing a configuration example of a vehicle dual-use member damage insurance participation determination system according to an embodiment of the present invention.
  • FIG. 2 is a diagram showing a hardware configuration example of the server 20 for determining whether or not to apply for vehicle member damage insurance according to the embodiment of the present invention.
  • FIG. 3 is a diagram showing an example of software configuration of a server for determining whether or not to apply for vehicle member damage insurance participation in the vehicle member damage insurance participation determination system according to the embodiment of the present invention.
  • FIG. 4 is a diagram showing an example of software configuration of an application terminal of a vehicle member damage insurance participation determination system according to an embodiment of the present invention.
  • FIG. 5 is a diagram showing an example of the side surface of the tire, and is a diagram showing a position where a number or the like for specifying the tire is shown.
  • FIG. 6 is a diagram showing an example of an image in a state where the depth of the groove of the tire is measured.
  • FIG. 7 is a diagram showing another example of an image in which the depth of the groove of the tire is measured.
  • FIG. 8 is a flowchart showing a determination result distribution process according to the embodiment of the present invention.
  • FIG. 9 is a diagram showing conditions under which a tire puncture insurance application cannot be accepted.
  • FIG. 10 is a diagram showing the conditions for holding a tire puncture insurance application.
  • FIG. 11 is an example of an image of the front grill of the vehicle.
  • FIG. 12 is an example of an image of vehicle verification of a vehicle.
  • FIG. 13 is a photograph showing an example of damage to the windshield.
  • FIG. 14 is a photograph showing another example of windshield damage.
  • FIG. 15 is a photograph showing yet another example of windshield damage.
  • FIG. 16 is a photograph showing yet another example of windshield damage.
  • FIG. 17 is a photograph showing yet another example of windshield damage.
  • FIG. 18 is a diagram illustrating a typical damaged form of the windshield and a calibration element of the damaged form.
  • FIG. 19 is a diagram showing conditions under which an application for windshield damage insurance cannot be accepted.
  • FIG. 20 is a diagram showing another condition in which a windshield damage insurance application cannot be accepted.
  • FIG. 21 is a schematic diagram showing a method of specifying a state of a vehicle member from an image of the vehicle member.
  • FIG. 1 is a diagram showing a configuration diagram of a vehicle member damage insurance participation determination system 100 according to an embodiment of the present invention.
  • the vehicle member damage insurance participation determination system 100 determines whether or not to apply for vehicle member damage insurance with the applicant terminal 10 for applying for vehicle member damage insurance.
  • the server 20 is provided.
  • the terminal 10 for the applicant and the server 20 for determining whether or not to apply for insurance for damage to vehicle members are connected via the network 30.
  • FIG. 3 is a diagram showing an example of software configuration of a server for determining whether or not to apply for vehicle member damage insurance in the vehicle member damage subscription application determination system according to the embodiment of the present invention.
  • the server 20 for determining whether or not to apply for vehicle component damage insurance distributes the application screen to the applicant terminal 10 when the request from the applicant terminal 10 is received.
  • an image processing means for identifying the state of the vehicle and the vehicle-vehicle member from the image 50 related to the vehicle information and the image 60 of the vehicle member included in the application content.
  • the server 20 for determining whether or not to apply for vehicle member damage insurance compares the image 60 of the vehicle member with the image 40 for specifying the state of the vehicle member to specify the state of the vehicle member.
  • FIG. 4 is a diagram showing a software configuration example of the application terminal 10 of the vehicle member damage insurance participation determination system 100 according to the embodiment of the present invention.
  • the applicant terminal 10 has a screen display unit 101 for displaying an application screen and the like, an image 50 for vehicle information, an image storage unit 102 for an image 60 of a vehicle member, and optionally an image.
  • a unit 103 is provided.
  • the server 20 that determines whether or not to apply for vehicle component damage insurance distributes the application screen (not shown) for the vehicle component damage insurance subscription, and also accepts the vehicle component damage insurance subscription application, and the application is covered by insurance. It is a device that determines whether or not the conditions are met and distributes the determination result.
  • the server 20 for determining whether or not to apply for vehicle component damage insurance distributes an application screen to a predetermined application program possessed by the applicant terminal 10 in response to a request from the applicant terminal 10.
  • the applicant terminal 10 displays the application screen on the screen display unit 101.
  • the server 20 for determining whether or not to apply for guarantee of damage to vehicle parts is a web server
  • the application screen to be delivered is a web page
  • the web page is displayed on the web browser on the applicant terminal 10.
  • the applicant terminal 10 is various information terminals including a personal computer, a smartphone, a tablet terminal, etc. used by the applicant.
  • Application programs for displaying the application screen such as a web browser and a dedicated application, are pre-installed.
  • the network 30 is a communication network including wired and wireless.
  • the network 30 includes, for example, the Internet, a public switched telephone network, WiFi (registered trademark), and the like.
  • FIG. 2 is a diagram showing a hardware configuration example of the server 20 for determining whether or not to apply for vehicle member damage insurance.
  • the server 20 for determining whether or not to apply for vehicle component damage insurance is a CPU (Central Processing Unit) 21, a ROM (Read Only Memory) 22, a RAM (Random Access Memory) 23, and an HDD (Hard Disk). It has a Unit) 24 and a communication device 25.
  • CPU Central Processing Unit
  • ROM Read Only Memory
  • RAM Random Access Memory
  • HDD Hard Disk
  • the CPU 21 executes various programs and performs arithmetic processing.
  • the ROM 22 stores programs and the like required at startup.
  • the RAM 23 is a work area for temporarily storing the processing in the CPU 21 and storing the data.
  • Various data and programs are stored in the HDD 24.
  • the communication device 25 communicates with a device such as the applicant terminal 10 via the network 30.
  • FIG. 3 is a diagram showing an example of software configuration of a server for determining whether or not to apply for a vehicle member damage guarantee for a vehicle member damage insurance participation determination system according to an embodiment of the present invention.
  • the server 20 for determining whether or not to apply for vehicle component damage insurance has the main functions of an application screen distribution unit 201, a warranty application reception unit 202, a storage unit 203, an image processing unit 204, and a state identification unit 205. , The application determination unit 206 and the determination result distribution unit 207.
  • the application screen distribution unit 201 distributes the vehicle member damage insurance subscription application screen to the applicant terminal 10 in response to the request from the applicant terminal 10.
  • the insurance application reception unit 202 accepts an application for vehicle component damage insurance from the applicant terminal 10.
  • the storage unit 203 has a vehicle member state specifying database, and images that specify the states of a large number of various types of vehicle members are stored.
  • the image processing unit 204 When the image processing unit 204 receives the image 50 related to the vehicle information sent from the applicant terminal 10 and the image 60 of the vehicle member, the image processing unit 204 distinguishes the vehicle from the vehicle member.
  • the state specifying unit 205 compares the state of the vehicle member acquired by the image processing unit with the image 40 for specifying the state of the vehicle member stored in the vehicle member state specifying database of the storage unit 203. , Identify the condition of the vehicle member.
  • the application determination unit 206 determines whether or not the insurance application conditions are satisfied from the vehicle information specified by the image processing unit 204 and the state of the vehicle member specified by the state identification unit 205.
  • the judgment result distribution unit 207 distributes the judgment result of whether or not the application is judged by the application judgment unit 206 to the applicant terminal 10.
  • the applicant terminal 10 has a screen display unit 101, an image storage unit 102 for damage to vehicle members, and optionally an image pickup unit 103 as main functions.
  • the screen display unit 101 displays the application screen and the determination result delivered from the server 20 for determining whether or not to apply for vehicle component damage insurance. Further, the URL for requesting the application screen is input from the screen display unit 101.
  • the image storage unit 102 of the applicant terminal 10 stores an image 50 related to the photographed vehicle information and an image 60 of the vehicle member.
  • the image pickup unit 103 is used to take an image 50 related to vehicle information and an image 60 of a vehicle member, and to read a QR code (registered trademark) requesting an application screen.
  • QR code registered trademark
  • Each functional unit is executed on hardware resources such as the CPU, ROM, RAM, HDD, and communication means of the computer constituting the server 20 for determining whether or not to apply for vehicle component damage insurance and the applicant terminal 10. It is realized by a computer program. Therefore, these functional parts may be read as “means”, “module”, “unit” or “circuit”.
  • each functional part of the server for determining whether or not to apply for vehicle component damage insurance is an example, and due to the system configuration, the server 20 for determining whether or not to apply for vehicle component damage insurance has each function as a whole. You just have to.
  • the storage unit 203 of the server 20 for determining whether or not to apply for vehicle member damage insurance may be moved to another server.
  • FIG. 14 is a flowchart showing a vehicle member damage joining determination according to the embodiment of the present invention.
  • S1 The application screen distribution unit 201 determines whether or not the application screen request from the applicant terminal 10 has been received. When the application screen request is received, the process proceeds to S2.
  • the insurance application details are input. Further, an image 50 relating to vehicle information and an image 60 of vehicle members are designated.
  • the images related to the vehicle information are the vehicle verification (see FIG. 12) and the image of the front grill of the vehicle (see FIG. 11). After entering all the required items and specifying the required data, for example, clicking the "Apply" button completes the application.
  • the image 50 related to the vehicle information and the image 60 of the vehicle member are image-processed to identify the vehicle and the vehicle member.
  • the image processing unit 204 When the image 50 related to the vehicle information and the image 60 of the vehicle member are input to the image processing unit 204, the feature amount is extracted based on the pixel value of the image. Thereby, the vehicle is identified from the image 50 relating to the vehicle information, for example, the vehicle verification and the front grille image. Further, the information shown in the image 60 of the vehicle member is automatically recognized to identify the vehicle member. If the vehicle member cannot be recognized, it is judged and specified by human eyes. If it still cannot be specified, it can be confirmed from the moving image via the image pickup unit 103 of the applicant terminal 10.
  • the state of the vehicle member is specified by comparing the image 60 of the image-processed vehicle member with the image 40 that specifies the state of a large number of the vehicle members stored in the storage unit 203. If the condition cannot be specified, it will be judged and specified by human eyes. If it still cannot be specified, it can be confirmed from the moving image via the image pickup unit 103 of the applicant terminal 10.
  • S5 When the vehicle identified by image processing the image 50 related to the vehicle information, for example, the image of the vehicle verification and the image of the front grill, and the image 60 of the vehicle member, and the vehicle member are covered by insurance. Then proceed to S6. If it is not the target, proceed to S8. If it is not covered, if it does not match the vehicle in the vehicle verification and the image of the front grill (the number and form are shown, the model and year are specified by all these information), it matches but the vehicle is insured. It may not be eligible for subscription. In addition, the identified vehicle member itself may not be covered by insurance. In S4, only the vehicle and the vehicle member may be identified, and when the vehicle member identified in S5 is covered by insurance, the state of the vehicle member may be specified.
  • S7 Distribute the judgment result of permitting the insurance application to the applicant terminal 10.
  • the QR code (registered trademark) may be distributed together with the judgment result to the effect that the permission is permitted, or the judgment result may be sent by e-mail. You may also send a QR code (registered trademark) together with the judgment result by e-mail. In the judgment result, there may be a link for advancing the custody subscription as it is, or a confirmation screen of the insurance to be contracted may be displayed.
  • the image 60 of the vehicle member becomes an image 61 of the tire and an image 62 of a state in which the depth of the groove of the tire is measured, and is an image specifying the state of a large number of vehicle members. Is the image 41 in a state where the depth of the groove of the tire is measured.
  • the tire image 61 has A: manufacturer name, B: tire series name, C: tire size, D: tire structure (for example, TREAD PLEES: 1POLYESTER + 2STEEL + 1POLYAMIDE SIDEWALL PRIES: 1 POLYSTER), E: UTQG marking. , F: Tire identification number (including DOT), G: Maximum load, Maximum air pressure (MAX LOAD: 8.25 kg MAX PRESS: 340 KPa), and the tire can be identified by all of these information. It is clear from those skilled in the art that the tire may be specified, and all of this information may not be necessary, or may be specified from information other than this information.
  • S5 will proceed with disapproval of S8 insurance application (for example, a tire of a national system that is not covered or a tire of a manufacturing year that is not covered). Even when the conditions 1 and 2 at the time of photo discrimination in FIG. 9 are satisfied, S5 proceeds to S8 insurance application disapproval S8. Even if the condition for holding the insurance application in FIG. 10 is met, S5 proceeds with S8 disapproval of insurance application.
  • S8 insurance application for example, a tire of a national system that is not covered or a tire of a manufacturing year that is not covered.
  • the image processing unit 204 measures the feature amount of the extracted image and the groove of the tire registered in the training data registered in the vehicle member state specifying database 41. By comparing with the image feature amount of, it is recognized that it is the same as the image of the registered vehicle member damage that approximates a predetermined score or more (pattern recognition), and the state of the tire (groove depth) is specified. .. If the depth of the groove is covered by insurance, proceed to S7 insurance application permission, and if the groove depth is not covered by insurance, proceed to S9 insurance application disapproval. If the depth of the groove cannot be specified, it is judged and specified by human eyes.
  • the image 60 of the vehicle member becomes the image 63 of the windshield of the vehicle. This may be cut out from the image of the front grille of image 50 regarding vehicle information (see FIG. 11).
  • Applicant's terminal 20 Server for determining whether or not to take out vehicle member damage insurance 30
  • Network 40 Image for specifying the state of the vehicle member 41
  • Image for vehicle information 60
  • Tire groove depth measurement image 63
  • Front glass image 100
  • Vehicle member damage insurance subscription determination system 101
  • Screen display unit 102
  • Image storage unit 103
  • Imaging unit 103
  • Application screen Distribution unit 202
  • Insurance subscription application reception unit 203
  • Storage unit 204
  • Image processing unit 205
  • Status specification unit 206
  • Application judgment unit 207
  • Judgment result distribution unit A Manufacturer name B Tire series name C Tire size D
  • Tire structure E UTQG marking
  • Tire identification Number (including DOT) G Maximum load, maximum air pressure H Number I Form J Depth measurement gauge K

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Abstract

Provided is a system enabling easy determination of whether it is possible to purchase a small amount and short term insurance in order to receive a warranty service without purchasing a product. The system comprises: an application screen distribution means; an insurance purchase application acceptance means for registering application details from an applicant terminal; a vehicle member condition identification image storing means for storing images identifying the condition of a large number of vehicle members; an image processing means for identifying a vehicle and a vehicle member from an image related to information of the vehicle and an image of the vehicle member, the images being included in the application details; a vehicle member condition identification means for identifying the vehicle member condition by comparing the image of the vehicle member and the images identifying the condition of the large number of vehicle members stored in the vehicle member condition identification image storing means; an application determination means for determining whether the identified vehicle member is covered by insurance purchase and whether an insurance purchase condition is satisfied; and a determination result distribution means for distributing a determination result to the applicant terminal.

Description

車両用部材損傷保険加入判定システム、判定システムに使用する装置、判定システム及び装置の作動方法、及びそのプログラム。Vehicle member damage insurance participation judgment system, equipment used for the judgment system, judgment system and operation method of the device, and its program.
　本発明は、車両用部材損傷保険加入判定システム、判定システムに使用する装置、判定システム及び装置の作動方法、及びそのプログラムに関する。 The present invention relates to a vehicle member damage insurance participation determination system, a device used for the determination system, an operation method of the determination system and the device, and a program thereof.
　保険契約に関するシステムは従来から存在している。 The insurance contract system has existed for some time.
　たとえば、特許文献１は、保険申し込みから契約までをより時間短縮し、顧客の利便性を向上するためのものである。 For example, Patent Document 1 is for shortening the time from insurance application to contract and improving customer convenience.
　また、特許文献２は、必要性を認識した時点で保険に関する手続きを即座に行うことがシステムを提供するためのものである。 Further, Patent Document 2 is for providing a system to immediately carry out insurance-related procedures when the necessity is recognized.
　さらに、特許文献３は、生命保険面接士と保険加入候補者との間で行われる面接の効率化を図り、保険加入候補者の負担を軽減するためのものである。 Further, Patent Document 3 is intended to improve the efficiency of the interview conducted between the life insurance interviewer and the insurance candidate and reduce the burden on the insurance candidate.
　また、特許文献４のようにフロントガラスやタイヤのパンクを保証するサービスも存在している。 There is also a service that guarantees a flat tire on the windshield and tires as in Patent Document 4.
特開２００５－３２２１２３号公報Japanese Unexamined Patent Publication No. 2005-322123 特開２００４－３４８３０２号公報Japanese Unexamined Patent Publication No. 2004-348302 実用新案登録第３１２６０８２号明細書Utility model registration No. 3126082 specification 特許第６７１４２５３号明細書Japanese Patent No. 6714253
　しかしながら、特許文献１は、リスク管理情報などの情報から契約を進めるものであるが、顧客が簡単に保険に加入できるかどうかを判断することはできなかった。 However, although Patent Document 1 advances the contract from information such as risk management information, it was not possible to easily determine whether or not the customer can take out insurance.
　また、特許文献２では、保険審査に必要な書類の画像の真贋をタイムスタンプとスクランブルコードで判断するのみであった。 Also, in Patent Document 2, the authenticity of the image of the document required for insurance examination is only judged by the time stamp and the scramble code.
　さらに、特許文献３では、あくまでも面接の効率を図るものであり、保険に加入可能かどうかを簡単に判定することはできない。 Furthermore, Patent Document 3 is intended to improve the efficiency of interviews, and it is not possible to easily determine whether or not insurance is available.
　また、特許文献４は、あくまでも商品を購入した際の保証サービスであり、商品の購入なしに、保証サービスを提供することできない。 Further, Patent Document 4 is a guarantee service when the product is purchased, and the guarantee service cannot be provided without the purchase of the product.
　したがって、本発明の目的は、商品の購入なしに保証サービスを受けるために、少額短期保険への加入が可能かどうかを簡単に判定できるシステムを提供することにある。特に、車両用部材の損傷保証サービスを受けるための、車両用部材損傷保険加入判定システムを提供することにある。 Therefore, an object of the present invention is to provide a system that can easily determine whether or not it is possible to take out small-amount short-term insurance in order to receive a guarantee service without purchasing a product. In particular, it is an object of the present invention to provide a vehicle member damage insurance participation determination system for receiving a vehicle member damage guarantee service.
　本発明の別の目的は、上記システムに使用する車両用部材損傷保険加入申請の可否を判断する装置を提供することにある。 Another object of the present invention is to provide a device for determining whether or not to apply for vehicle member damage insurance used in the above system.
　本発明の更に別の目的は、上記システム、及び装置の作動方法を提供することにある。 Yet another object of the present invention is to provide the above system and a method of operating the device.
　本発明の更に別の目的は、上記作動方法のプラグラムを提供することにある。 Yet another object of the present invention is to provide a program of the above operating method.
　本発明の一の観点によれば、車両用部材損傷保険加入申請をする申請者用端末と、車両用部材損傷保険加入申請の可否を判断する装置とを備える車両用部材損傷保険加入判定システムであって、上記申請者用端末と上記車両用部材損傷保険加入申請の可否を判断する装置とはネットワークを介して接続され、上記車両用部材損傷保険加入申請の可否を判断する装置は、上記申請者用端末からの要求を受信したときに、申請画面を上記申請者用端末に配信する、申請画面配信手段と、上記申請者用端末からの申請内容を登録する、保険加入申請受付手段と、多数の上記車両用部材の状態を特定する画像を保存する、車両用部材状態特定用画像保存手段と、上記申請内容に含まれる、車両の情報に関する画像と、上記車両用部材の画像とから、車両と、上記車両用部材とを識別する画像処理手段と、上記車両用部材の画像と上記車両用部材状態特定用画像保存手段に保存された多数の上記車両用部材の状態を特定する画像とを比較して、上記車両用部材の状態を特定する、車両用部材状態特定手段と、特定された上記車両用部材が保険加入対象かどうかを判断する、保険加入条件を満たすかどうかを判断する申請判断手段と、判断結果を上記申請者用端末に配信する、判断結果配信手段と、を備える、これにより、申請者は申請者用端末から車両用部材損傷保険加入申請をすることにより、保険加入申請条件を満たすかどうかの判断結果を受信することができ、保険加入申請条件を満たす場合には、そのまま保険に加入することができる。 According to one aspect of the present invention, it is a vehicle member damage insurance participation determination system including a terminal for an applicant for applying for vehicle member damage insurance and a device for determining whether or not to apply for vehicle member damage insurance. Therefore, the terminal for the applicant and the device for determining whether or not to apply for the damage insurance for vehicle parts are connected via a network, and the device for determining whether or not to apply for the damage insurance for parts for vehicles is the above application. When a request from the personal terminal is received, the application screen is delivered to the applicant terminal, the application screen distribution means, and the application content from the applicant terminal is registered, the insurance application reception means, and the insurance application reception means. From the vehicle member state specifying image saving means for storing a large number of images for specifying the state of the vehicle member, the image related to the vehicle information included in the application content, and the image of the vehicle member. An image processing means for identifying the vehicle and the vehicle member, an image of the vehicle member, and an image for specifying the state of a large number of vehicle members stored in the vehicle member state specifying image storage means. To determine whether the vehicle member state specifying means for specifying the state of the vehicle member and the specified vehicle member are covered by insurance, and whether the insurance coverage condition is satisfied or not. It is equipped with an application judgment means and a judgment result distribution means for distributing the judgment result to the above-mentioned applicant terminal, whereby the applicant can apply for insurance for vehicle member damage insurance from the applicant terminal. You can receive the judgment result of whether or not you meet the conditions for applying for insurance, and if you meet the conditions for applying for insurance, you can take out insurance as it is.
　この車両用部材損傷保険加入判定システムでは、申請画面の要求は、ホームページなどからアクセスしたり、ＵＲＬを申請者用端末から入力したりことにより行う。これにより、簡単に、申請画面に遷移することができる。 In this vehicle component damage insurance participation judgment system, the request for the application screen is made by accessing from the homepage or by inputting the URL from the applicant terminal. This makes it possible to easily transition to the application screen.
　この車両用部材損傷保険加入判定システムでは、申請者用端末は、撮像手段を備え、ＱＲコード（登録商標）を読み取ることにより、申請画面を要求することができる。これにより、さらに簡単に、申請画面に遷移することができる。 In this vehicle component damage insurance participation determination system, the applicant terminal is equipped with an imaging means and can request an application screen by reading a QR code (registered trademark). This makes it easier to transition to the application screen.
　この車両用部材損傷保険加入判定システムでは、申請者用端末は、メール送受信手段を備え、申請画面の要求をすると、まず、メールアドレス登録画面が車両用部材損傷の保証申請可否を判断する装置から配信され、メールアドレスの登録が完了すると、そのメールアドレスに申請画面へのＵＲＬが送られる。これにより、メールを登録することにより、申請画面へのＵＲＬを受け取れるので、入力を中断した際にも、すぐに申請画面にアクセス可能となる。 In this vehicle component damage insurance subscription determination system, the applicant terminal is equipped with an email transmission / reception means, and when a request for an application screen is made, the email address registration screen first determines whether or not a warranty application for vehicle component damage can be applied. When it is delivered and the registration of the e-mail address is completed, the URL to the application screen is sent to the e-mail address. As a result, by registering the e-mail, the URL to the application screen can be received, so that the application screen can be accessed immediately even when the input is interrupted.
　この車両用部材損傷保険加入判定システムでは、判断結果を登録されたメールアドレスにも送信する。これにより、メールを検索することで、判断結果をいつでも表示することができる。 In this vehicle component damage insurance participation judgment system, the judgment result is also sent to the registered e-mail address. As a result, the judgment result can be displayed at any time by searching the mail.
　この車両用部材損傷保険加入判定システムでは、判断結果はＱＲコード（登録商標）を含む。これにより、ＱＲコード（登録商標）を読み取るだけで、判断結果をいつでも表示することができる。 In this vehicle member damage insurance participation judgment system, the judgment result includes the QR code (registered trademark). As a result, the determination result can be displayed at any time simply by reading the QR code (registered trademark).
　本発明の別の一つの観点によれば、上記車両用部材は、タイヤであり、上記車両の情報に関する画像には、車検証の画像、車両のフロントグリルの画像が含まれ、上記車両用部材の情報には、タイヤの画像、タイヤ溝の深さが分かる画像が含まれる。これにより、タイヤのパンクの少額短期保険に加入することができる。 According to another aspect of the present invention, the vehicle member is a tire, and the image relating to the vehicle information includes an image of vehicle verification, an image of the front grille of the vehicle, and the vehicle member. The information includes an image of the tire and an image showing the depth of the tire groove. This allows you to take out a small amount of short-term insurance for tire punctures.
　本発明の別の一つの観点によれば、フロントガラスであり、上記車両の情報に関する画像には、車検証の画像、車両のフロントグリルの画像が含まれ、上記車両用部材の画像には、フロントガラスの画像画含まれる。これにより、フロントガラス損傷の少額短期保険に加入することができる。 According to another aspect of the present invention, it is a windshield, the image relating to the vehicle information includes an image of vehicle verification, an image of the front grill of the vehicle, and the image of the vehicle member includes the image of the vehicle member. Includes windshield images. This allows you to take out a small amount of short-term insurance for windshield damage.
　本発明の別の一の観点によれば、この車両用部材損傷保険加入判定システムに使用する、車両用部材損傷保険加入申請の可否を判断する装置。これにより、申請者からの申請画面要求を受けて申請画面の配信から、判断結果の申請者への配信及び／又は送信までを正確に、簡潔に、及び迅速に行うことができる。 According to another viewpoint of the present invention, a device for determining whether or not to apply for vehicle component damage insurance, which is used in this vehicle component damage insurance subscription determination system. As a result, it is possible to accurately, concisely, and promptly perform from the distribution of the application screen to the distribution and / or transmission of the judgment result to the applicant in response to the application screen request from the applicant.
　本発明のさらに別の一の観点によれば、この車両用部材損傷保険加入判定システム、又はこの車両用部材損傷保険加入申請の可否を判断する装置に使用する、車両用部材損傷の保証申請の可否を判断する装置の作動方法であって、上記車両用部材損傷の保険加入申請の可否を判断する装置の作動方法であって、上記申請者用端末からの申請要求を受信する段階と、申請画面を上記申請者用端末に配信する段階と、上記申請者用端末からの申請内容を登録する段階と、上記申請内容に含まれる、車両の情報に関する画像と、上記車両用部材の画像とから、車両と、上記車両用部材とを識別する段階と、上記車両用部材の画像と上記車両用部材状態特定用画像保存手段に保存された多数の上記車両用部材の状態を特定する画像とを比較して、上記車両用部材の状態を特定する段階と、特定された上記車両用部材が保険加入対象かどうかを判断する、保険加入条件を満たすかどうかを判断する段階と、判断結果を上記申請者用端末に配信する段階と、を含む。これにより、申請者からの申請画面要求を受けて申請画面の配信から、判断結果の申請者への配信及び／又は送信までを確実に行うことができる。 According to still another aspect of the present invention, the vehicle member damage warranty application used in the vehicle member damage insurance participation determination system or the device for determining whether or not the vehicle member damage insurance participation application is possible. It is a method of operating the device for determining whether or not it is possible, and is a method for operating the device for determining whether or not to apply for insurance for damage to vehicle members. From the stage of distributing the screen to the applicant terminal, the stage of registering the application content from the applicant terminal, the image related to the vehicle information included in the application content, and the image of the vehicle member. , The stage of identifying the vehicle from the vehicle member, the image of the vehicle member, and the image for specifying the state of a large number of the vehicle member stored in the vehicle member state specifying image storage means. By comparison, the stage of specifying the state of the vehicle member, the stage of determining whether the specified vehicle member is covered by insurance, the stage of determining whether or not the insurance coverage condition is satisfied, and the judgment result are described above. Includes the stage of delivery to the applicant's terminal. As a result, it is possible to reliably perform from the distribution of the application screen to the distribution and / or transmission of the judgment result to the applicant in response to the application screen request from the applicant.
　この車両用部材損傷の保証申請の可否を判断する装置の作動方法では、申請画面を申請者用端末に配信する前に、メールアドレス登録画面を申請者用端末に配信する段階と、申請者用端末からのメールアドレスを登録する段階と、登録されたメールアドレスに、申請者画面へのアクセス用のＵＲＬを送信する段階と、申請者用端末からのアクセスを受ける段階と、を含む。これにより、メールアドレスを介して、申請者用端末とのやり取りを確実に行うことができる。 In the operation method of the device for determining whether or not to apply for the guarantee of damage to vehicle parts, the stage of distributing the e-mail address registration screen to the applicant terminal and the stage for the applicant before the application screen is distributed to the applicant terminal. It includes a stage of registering an e-mail address from a terminal, a stage of sending a URL for accessing the applicant screen to the registered e-mail address, and a stage of receiving access from the applicant terminal. As a result, it is possible to reliably communicate with the applicant terminal via the e-mail address.
　この車両用部材損傷の保証申請の可否を判断する装置の作動方法では、判断結果を登録されたメールアドレスに送信する段階を含む。これにより、判断結果を申請者のメールアドレスに確実に送ることが出来る。 The method of operating the device for determining whether or not to apply for warranty for damage to vehicle parts includes the stage of sending the determination result to the registered e-mail address. This makes it possible to reliably send the judgment result to the applicant's email address.
　この車両用部材損傷の保証申請の可否を判断する装置の作動方法では、判断結果にＱＲコード（登録商標）を含めて配信及び／又は送信する。これにより、判断結果のＱＲコード（登録商標）の配信及び／又は送信を確実に行うことができる。 In the operation method of the device for determining whether or not to apply for the guarantee of damage to vehicle members, the QR code (registered trademark) is included in the determination result and / or transmitted. As a result, the QR code (registered trademark) of the determination result can be reliably distributed and / or transmitted.
　本発明のさらに別の一の観点によれば、この車両用部材損傷保険加入判定システム、又はこの車両用部材損傷保険加入申請の可否を判断する装置に使用する、上記車両用部材損傷の保険加入申請の可否を判断する装置を作動するプログラムであって、上記申請者用端末からの申請要求を受信する段階と、申請画面を上記申請者用端末に配信する段階と、上記申請者用端末からの申請内容を登録する段階と、上記申請内容に含まれる、車両の情報に関する画像と、上記車両用部材の画像とから、車両と、上記車両用部材とを識別する段階と、上記車両用部材の画像と上記車両用部材状態特定用画像保存手段に保存された多数の上記車両用部材の状態を特定する画像とを比較して、上記車両用部材の状態を特定する段階と、特定された上記車両用部材が保険加入対象かどうかを判断する、保険加入条件を満たすかどうかを判断する段階と、判断結果を上記申請者用端末に配信する段階と、を含む。これにより、申請者からの申請画面要求を受けて申請画面の配信から、判断結果の申請者への配信及び／又は送信までを確実に行うことができる。 According to still another aspect of the present invention, the above-mentioned vehicle member damage insurance subscription used for the vehicle component damage insurance subscription determination system or the device for determining whether or not to apply for the vehicle component damage insurance subscription. It is a program that operates a device that determines whether or not to accept an application, and is a stage of receiving an application request from the above-mentioned applicant terminal, a stage of distributing an application screen to the above-mentioned applicant terminal, and a stage of the above-mentioned applicant terminal. The stage of registering the application content of the above, the stage of identifying the vehicle from the vehicle member from the image of the vehicle information and the image of the vehicle member included in the application content, and the vehicle member. And the stage of specifying the state of the vehicle member by comparing the image of the vehicle with the image of specifying the state of a large number of the vehicle member stored in the image storage means for specifying the state of the vehicle member. It includes a stage of determining whether or not the vehicle member is covered by insurance, a stage of determining whether or not the insurance participation condition is satisfied, and a stage of distributing the determination result to the above-mentioned applicant terminal. As a result, it is possible to reliably perform from the distribution of the application screen to the distribution and / or transmission of the judgment result to the applicant in response to the application screen request from the applicant.
　この車両用部材損傷の保険加入申請の可否を判断する装置を作動するプログラムでは、申請画面を申請者用端末に配信する前に、メールアドレス登録画面を申請者用端末に配信する段階と、申請者用端末からのメールアドレスを登録する段階と、登録されたメールアドレスに、申請者画面へのアクセス用のＵＲＬを送信する段階と、申請者用端末からのアクセスを受ける段階と、を含む。これにより、メールアドレスを介して、申請者用端末とのやり取りを確実に行うことができる。 In the program that operates the device that determines whether or not to apply for insurance for damage to vehicle parts, the stage of distributing the e-mail address registration screen to the applicant terminal and the application before the application screen is distributed to the applicant terminal. It includes a stage of registering an e-mail address from a user terminal, a stage of sending a URL for accessing the applicant screen to the registered e-mail address, and a stage of receiving access from the applicant terminal. As a result, it is possible to reliably communicate with the applicant terminal via the e-mail address.
　この車両用部材損傷の保険加入申請の可否を判断する装置を作動するプログラムでは、判断結果を登録されたメールアドレスに送信する段階を含む。これにより、判断結果を申請者のメールアドレスに確実に送ることが出来る。 The program that operates the device that determines whether or not to apply for insurance for damage to vehicle parts includes the stage of sending the determination result to the registered e-mail address. This makes it possible to reliably send the judgment result to the applicant's email address.
　この車両用部材損傷の保険加入申請の可否を判断する装置を作動するプログラムでは、判断結果にＱＲコード（登録商標）を含めて配信及び／又は送信する。これにより、判断結果のＱＲコード（登録商標）の配信及び／又は送信を確実に行うことができる。 In the program that operates the device that determines whether or not to apply for insurance for damage to vehicle parts, the QR code (registered trademark) is included in the determination result and distributed and / or transmitted. As a result, the QR code (registered trademark) of the determination result can be reliably distributed and / or transmitted.
　本発明によれば、車両用部材損傷保険加入申請を申請する申請者は、申請者用端末から車両用部材損傷保険加入申請をすることにより、保険加入申請条件を満たすかどうかの判断結果を受信することができ、保険加入申請条件を満たす場合には、そのまま保険に加入することができる。 According to the present invention, an applicant applying for a vehicle component damage insurance application receives a determination result of whether or not the insurance coverage application condition is satisfied by applying for a vehicle component damage insurance subscription from the applicant terminal. If you meet the insurance application conditions, you can take out insurance as it is.
図１は、本発明の実施形態に係る車　両用部材損傷保険加入判定システムの構成例を示す図である。FIG. 1 is a diagram showing a configuration example of a vehicle dual-use member damage insurance participation determination system according to an embodiment of the present invention. 図２は、本発明の実施形態に係る車両用部材損傷保険加入申請可否を判断するサーバ２０のハードウェア構成例を示す図である。FIG. 2 is a diagram showing a hardware configuration example of the server 20 for determining whether or not to apply for vehicle member damage insurance according to the embodiment of the present invention. 図３は、本発明の実施形態に係る車両用部材損傷保険加入判定システムの車両用部材損傷保険加入申請可否を判断するサーバのソフトウェア構成例を示す図である。FIG. 3 is a diagram showing an example of software configuration of a server for determining whether or not to apply for vehicle member damage insurance participation in the vehicle member damage insurance participation determination system according to the embodiment of the present invention. 図４は、本発明の実施形態に係る車両用部材損傷保険加入判定システムの申請用端末のソフトウェア構成例を示す図である。FIG. 4 is a diagram showing an example of software configuration of an application terminal of a vehicle member damage insurance participation determination system according to an embodiment of the present invention. 図５は、タイヤの側面の一例を示す図であり、タイヤを特定する番号等が示された位置を示す図である。FIG. 5 is a diagram showing an example of the side surface of the tire, and is a diagram showing a position where a number or the like for specifying the tire is shown. 図６は、タイヤの溝の深さを測っている状態の画像の一例を示す図である。FIG. 6 is a diagram showing an example of an image in a state where the depth of the groove of the tire is measured. 図７は、タイヤの溝の深さを測っている状態の画像の別の一例を示す図である。FIG. 7 is a diagram showing another example of an image in which the depth of the groove of the tire is measured. 図８は、本発明の実施形態に係る判断結果配信処理を示すフローチャート図である。FIG. 8 is a flowchart showing a determination result distribution process according to the embodiment of the present invention. 図９は、タイヤのパンクの保険加入申請を認めることができない条件を示した図である。FIG. 9 is a diagram showing conditions under which a tire puncture insurance application cannot be accepted. 図１０は、タイヤのパンクの保険加入申請の保留条件を示した図である。FIG. 10 is a diagram showing the conditions for holding a tire puncture insurance application. 図１１は、車両のフロントグリルの画像の一例である。FIG. 11 is an example of an image of the front grill of the vehicle. 図１２は、車両の車検証の画像の一例である。FIG. 12 is an example of an image of vehicle verification of a vehicle. 図１３は、フロントガラスの損傷の一例を示す写真である。FIG. 13 is a photograph showing an example of damage to the windshield. 図１４は、フロントガラスの損傷の別の一例を示す写真である。FIG. 14 is a photograph showing another example of windshield damage. 図１５は、フロントガラスの損傷のさらに別の一例を示す写真である。FIG. 15 is a photograph showing yet another example of windshield damage. 図１６は、フロントガラスの損傷のさらに別の一例を示す写真である。FIG. 16 is a photograph showing yet another example of windshield damage. 図１７は、フロントガラスの損傷のさらに別の一例を示す写真である。FIG. 17 is a photograph showing yet another example of windshield damage. 図１８は、フロントガラスの代表的な損傷形態と、損傷形態の校正要素を説明した図である。FIG. 18 is a diagram illustrating a typical damaged form of the windshield and a calibration element of the damaged form. 図１９は、フロントガラスの損傷保険加入申請を認めることができない条件を示した図である。FIG. 19 is a diagram showing conditions under which an application for windshield damage insurance cannot be accepted. 図２０は、フロントガラスの損傷保険加入申請を認めることができない別の条件を示した図である。FIG. 20 is a diagram showing another condition in which a windshield damage insurance application cannot be accepted. 図２１は、車両用部材の画像から車両用部材の状態の特定方法を示した模式図である。FIG. 21 is a schematic diagram showing a method of specifying a state of a vehicle member from an image of the vehicle member.
　本発明の実施形態を図１～１９を参照しながら、以下に詳細に説明する。 The embodiments of the present invention will be described in detail below with reference to FIGS. 1 to 19.
　図１は、本発明の実施形態に係る車両用部材損傷保険加入判定システム１００の構成図を示す図である。図１を参照して、本発明の実施形態に係る車両用部材損傷保険加入判定システム１００は車両用部材損傷保険加入申請をする申請者用端末１０と、車両用部材損傷保険加入申請可否を判断するサーバ２０とを備える。申請者用端末１０と車両用部材損傷の保険加入申請可否を判断するサーバ２０とはネットワーク３０を介して接続されている。図３は、本発明の実施形態に係る車両用部材損傷加入申請判定システムの車両用部材損傷保険加入申請可否を判断するサーバのソフトウェア構成例を示す図である。図３を参照して、車両用部材損傷保険加入申請の可否を判断するサーバ２０は、申請者用端末１０からの要求を受信したときに、申請画面を申請者用端末１０に配信する、申請画面配信部２０１と、申請者用端末１０からの申請内容を登録する、保証申請受付部２０２と、多数の車両用部材の状態を特定する画像４０を保存する車両用部材特定用画像保存部２０３と、申請内容に含まれる、車両の情報に関する画像５０と、車両用部材の画像６０とから、車両と車車両用部材の状態とを識別する画像処理手段と、を備える。さらに、車両用部材損傷保険加入申請の可否を判断するサーバ２０は、車両用部材の画像６０と、車両用部材の状態を特定する画像４０とを比較して、車両用部材の状態を特定する、車両用部材の状態特定部２０５と、特定された車両用部材の状態が、保険加入申請条件を満たすかどうかを判断する申請判断部２０６とを備える。そして、車両用部材損傷保険加入申請の可否を判断するサーバ２０は、判断結果を申請者用端末１０に配信する、判断結果配信部２０７を備えている。
　また、図４は、本発明の実施形態に係る車両用部材損傷保険加入判定システム１００の申請用端末１０のソフトウェア構成例を示す図である。図４を参照して、申請者用端末１０は、申請画面等を表示する画面表示部１０１と、車両の情報に関する画像５０と、車両用部材の画像６０の画像保存部１０２、及び任意で撮像部１０３と、を備える。 FIG. 1 is a diagram showing a configuration diagram of a vehicle member damage insurance participation determination system 100 according to an embodiment of the present invention. With reference to FIG. 1, the vehicle member damage insurance participation determination system 100 according to the embodiment of the present invention determines whether or not to apply for vehicle member damage insurance with the applicant terminal 10 for applying for vehicle member damage insurance. The server 20 is provided. The terminal 10 for the applicant and the server 20 for determining whether or not to apply for insurance for damage to vehicle members are connected via the network 30. FIG. 3 is a diagram showing an example of software configuration of a server for determining whether or not to apply for vehicle member damage insurance in the vehicle member damage subscription application determination system according to the embodiment of the present invention. With reference to FIG. 3, the server 20 for determining whether or not to apply for vehicle component damage insurance distributes the application screen to the applicant terminal 10 when the request from the applicant terminal 10 is received. The screen distribution unit 201, the warranty application receiving unit 202 for registering the application contents from the applicant terminal 10, and the vehicle member specifying image storage unit 203 for storing the image 40 for specifying the state of a large number of vehicle members. And an image processing means for identifying the state of the vehicle and the vehicle-vehicle member from the image 50 related to the vehicle information and the image 60 of the vehicle member included in the application content. Further, the server 20 for determining whether or not to apply for vehicle member damage insurance compares the image 60 of the vehicle member with the image 40 for specifying the state of the vehicle member to specify the state of the vehicle member. , A vehicle member state specifying unit 205, and an application determination unit 206 for determining whether or not the specified vehicle member state satisfies the insurance subscription application condition. The server 20 that determines whether or not to apply for vehicle member damage insurance includes a determination result distribution unit 207 that distributes the determination result to the applicant terminal 10.
Further, FIG. 4 is a diagram showing a software configuration example of the application terminal 10 of the vehicle member damage insurance participation determination system 100 according to the embodiment of the present invention. With reference to FIG. 4, the applicant terminal 10 has a screen display unit 101 for displaying an application screen and the like, an image 50 for vehicle information, an image storage unit 102 for an image 60 of a vehicle member, and optionally an image. A unit 103 is provided.
　車両用部材損傷保険加入申請可否を判断するサーバ２０は、車両用部材損傷保険加入申請の申請画面（図示せず）を配信すると共に、車両用部材損傷保険加入申請を受け付けて、申請が保険加入条件に当てはまるかどうかを判断して、判断結果を配信する装置である。 The server 20 that determines whether or not to apply for vehicle component damage insurance distributes the application screen (not shown) for the vehicle component damage insurance subscription, and also accepts the vehicle component damage insurance subscription application, and the application is covered by insurance. It is a device that determines whether or not the conditions are met and distributes the determination result.
　車両用部材損傷保険加入申請可否を判断するサーバ２０は、申請者用端末１０からの要求に応じて、申請者用端末１０が有する所定のアプリケーション・プログラムに申請画面を配信する。申請者用端末１０は画面表示部１０１に申請画面を表示する。例えば車両用部材損傷の保証申請可否を判断するサーバ２０がウェブサーバであるときには、配信される申請画面はウェブページであり、申請者用端末１０にウェブブラウザ上にウェブページが表示されることになる。 The server 20 for determining whether or not to apply for vehicle component damage insurance distributes an application screen to a predetermined application program possessed by the applicant terminal 10 in response to a request from the applicant terminal 10. The applicant terminal 10 displays the application screen on the screen display unit 101. For example, when the server 20 for determining whether or not to apply for guarantee of damage to vehicle parts is a web server, the application screen to be delivered is a web page, and the web page is displayed on the web browser on the applicant terminal 10. Become.
　申請者用端末１０は、申請者が利用するパーソナルコンピュータ、スマートフォン、タブレット端末などを含む、各種の情報端末である。ウェブブラウザや、専用のアプリケーションなど、申請画面を表示するためのアプリケーション・プログラムがあらかじめインストールされている。 The applicant terminal 10 is various information terminals including a personal computer, a smartphone, a tablet terminal, etc. used by the applicant. Application programs for displaying the application screen, such as a web browser and a dedicated application, are pre-installed.
　ネットワーク３０は、有線、無線を含む通信ネットワークである。ネットワーク３０は、例えば、インターネット、公衆回線網、ＷｉＦｉ（登録商標）などを含む。 The network 30 is a communication network including wired and wireless. The network 30 includes, for example, the Internet, a public switched telephone network, WiFi (registered trademark), and the like.
　図２は、車両用部材損傷保険加入申請可否を判断するサーバ２０のハードウェア構成例を示す図である。図２に示すように、車両用部材損傷保険加入申請可否を判断するサーバ２０は、ＣＰＵ（Ｃｅｎｔｒａｌ　Ｐｒｏｃｅｓｓｉｎｇ　Ｕｎｉｔ）２１、ＲＯＭ（Ｒｅａｄ　Ｏｎｌｙ　Ｍｅｍｏｒｙ）２２、ＲＡＭ（Ｒａｎｄｏｍ　Ａｃｃｅｓｓ　Ｍｅｍｏｒｙ）２３、ＨＤＤ（Ｈａｒｄ　Ｄｉｓｋ　Ｕｎｉｔ）２４、及び通信装置２５を有する。 FIG. 2 is a diagram showing a hardware configuration example of the server 20 for determining whether or not to apply for vehicle member damage insurance. As shown in FIG. 2, the server 20 for determining whether or not to apply for vehicle component damage insurance is a CPU (Central Processing Unit) 21, a ROM (Read Only Memory) 22, a RAM (Random Access Memory) 23, and an HDD (Hard Disk). It has a Unit) 24 and a communication device 25.
　ＣＰＵ２１は各種のプログラムの実行や演算処理を行う。ＲＯＭ２２は起動時に必要なプログラムなどが保存されている。ＲＡＭ２３はＣＰＵ２１での処理を一時的に記憶し、データを記憶する作業領域である。ＨＤＤ２４には各種データ及プログラムが格納されている。通信装置２５はネットワーク３０を介して申請者用端末１０等の装置と通信を行う。 The CPU 21 executes various programs and performs arithmetic processing. The ROM 22 stores programs and the like required at startup. The RAM 23 is a work area for temporarily storing the processing in the CPU 21 and storing the data. Various data and programs are stored in the HDD 24. The communication device 25 communicates with a device such as the applicant terminal 10 via the network 30.
　図３は、本発明の実施形態に係る車両用部材損傷保険加入判定システムの車両用部材損傷保証申請可否を判断するサーバのソフトウェア構成例を示す図である。 FIG. 3 is a diagram showing an example of software configuration of a server for determining whether or not to apply for a vehicle member damage guarantee for a vehicle member damage insurance participation determination system according to an embodiment of the present invention.
　車両用部材損傷保険加入申請可否を判断するサーバ２０は、主な機能として、申請画面配信部２０１と、保証申請受付部２０２と、保存部２０３と、画像処理部２０４と、状態特定部２０５と、申請判断部２０６と、判断結果配信部２０７とを有する。 The server 20 for determining whether or not to apply for vehicle component damage insurance has the main functions of an application screen distribution unit 201, a warranty application reception unit 202, a storage unit 203, an image processing unit 204, and a state identification unit 205. , The application determination unit 206 and the determination result distribution unit 207.
　申請画面配信部２０１は、申請者用端末１０からの要求に応じて、車両用部材損傷保険加入申請画面を申請者用端末１０に配信する。 The application screen distribution unit 201 distributes the vehicle member damage insurance subscription application screen to the applicant terminal 10 in response to the request from the applicant terminal 10.
　保険加入申請受付部２０２は、申請者用端末１０からの車両用部材損傷保険加入申請を受け付ける。 The insurance application reception unit 202 accepts an application for vehicle component damage insurance from the applicant terminal 10.
　保存部２０３には、車両用部材状態特定データベースがあり、様々な種類の多数の車両用部材の状態を特定する画像が保存されている。 The storage unit 203 has a vehicle member state specifying database, and images that specify the states of a large number of various types of vehicle members are stored.
　画像処理部２０４は、申請者用端末１０から送られた車両の情報に関する画像５０と、車両用部材の画像６０とを受信すると、車両と、車両用部材とを識別する。 When the image processing unit 204 receives the image 50 related to the vehicle information sent from the applicant terminal 10 and the image 60 of the vehicle member, the image processing unit 204 distinguishes the vehicle from the vehicle member.
　状態特定部２０５は、画像処理部で取得した、車両用部材の状態と保存部２０３の車両用部材状態特定用データベースに保存されている車両用部材の状態を特定する画像４０とを比較して、車両用部材の状態を特定する。 The state specifying unit 205 compares the state of the vehicle member acquired by the image processing unit with the image 40 for specifying the state of the vehicle member stored in the vehicle member state specifying database of the storage unit 203. , Identify the condition of the vehicle member.
　申請判断部２０６は、画像処理部２０４で特定された車両の情報と、状態特定部２０５で特定された車両用部材の状態から、保険加入申請条件を満たしているかどうかを判断する。 The application determination unit 206 determines whether or not the insurance application conditions are satisfied from the vehicle information specified by the image processing unit 204 and the state of the vehicle member specified by the state identification unit 205.
　判断結果配信部２０７は、申請判断部２０６で判断された申請可否の判断結果を申請者用端末１０に配信する。 The judgment result distribution unit 207 distributes the judgment result of whether or not the application is judged by the application judgment unit 206 to the applicant terminal 10.
　申請者用端末１０は、主な機能として、画面表示部１０１と、車両用部材損傷の画像保存部１０２と、任意で撮像部１０３とを有する。 The applicant terminal 10 has a screen display unit 101, an image storage unit 102 for damage to vehicle members, and optionally an image pickup unit 103 as main functions.
　画面表示部１０１は、車両用部材損傷保険加入申請可否を判断するサーバ２０から配信された申請画面、判断結果を表示する。また、画面表示部１０１から申請画面を要求するＵＲＬを入力する。 The screen display unit 101 displays the application screen and the determination result delivered from the server 20 for determining whether or not to apply for vehicle component damage insurance. Further, the URL for requesting the application screen is input from the screen display unit 101.
　申請者用端末１０の画像保存部１０２は、撮影された車両の情報に関する画像５０と、車両用部材の画像６０が保存されている。 The image storage unit 102 of the applicant terminal 10 stores an image 50 related to the photographed vehicle information and an image 60 of the vehicle member.
　撮像部１０３は、車両の情報に関する画像５０と、車両用部材の画像６０を撮影したり、申請画面を要求するＱＲコード（登録商標）を読み取ったりするのに使用される。 The image pickup unit 103 is used to take an image 50 related to vehicle information and an image 60 of a vehicle member, and to read a QR code (registered trademark) requesting an application screen.
　なお、各機能部は、車両用部材損傷保険加入申請可否を判断するサーバ２０及び申請者用端末１０を構成するコンピュータのＣＰＵ，ＲＯＭ、ＲＡＭ、ＨＤＤ，通信手段等のハードウェア資源上で実行されるコンピュータプログラムにより実現されるものである。したがって、これらの機能部は、「手段」、「モジュール」、「ユニット」又は「回路」と読み替えてもよい。 Each functional unit is executed on hardware resources such as the CPU, ROM, RAM, HDD, and communication means of the computer constituting the server 20 for determining whether or not to apply for vehicle component damage insurance and the applicant terminal 10. It is realized by a computer program. Therefore, these functional parts may be read as "means", "module", "unit" or "circuit".
　さらに、車両用部材損傷保険加入申請可否を判断するサーバの各機能部の配置は一例であり、システムの構成上、車両用部材損傷保険加入申請可否を判断するサーバ２０全体として各機能を有していればよい。たとえば、車両用部材損傷保険加入申請可否を判断するサーバ２０の保存部２０３を別のサーバに移してもよい。 Further, the arrangement of each functional part of the server for determining whether or not to apply for vehicle component damage insurance is an example, and due to the system configuration, the server 20 for determining whether or not to apply for vehicle component damage insurance has each function as a whole. You just have to. For example, the storage unit 203 of the server 20 for determining whether or not to apply for vehicle member damage insurance may be moved to another server.
　本発明の実施形態に係る車両用部材損傷保険加入判定システム１００の情報処理について説明する。 The information processing of the vehicle member damage insurance participation determination system 100 according to the embodiment of the present invention will be described.
　図１４は、本発明の実施形態に係る、車両用部材損傷加入判定を示すフローチャートである。 FIG. 14 is a flowchart showing a vehicle member damage joining determination according to the embodiment of the present invention.
　Ｓ１：申請画面配信部２０１は、申請者用端末１０からの申請画面要求を受信したか否かを判定する。申請画面要求を受信した場合には、Ｓ２へ進む。 S1: The application screen distribution unit 201 determines whether or not the application screen request from the applicant terminal 10 has been received. When the application screen request is received, the process proceeds to S2.
　Ｓ２：申請画面を申請者用端末１０に配信する。 S2: Deliver the application screen to the applicant terminal 10.
　申請者用端末１０では、申請画面を受け取ると保険加入申請内容を入力する。さらに、車両の情報に関する画像５０と、車両用部材の画像６０を指定する。車両の情報に関する画像は、車検証（図１２参照のこと）と車両のフロントグリルの画像（図１１参照のこと）である。全ての必要事項を入力し、必要なデータを指定したあとで、たとえば「申請」ボタンをクリックすることにより、申請が完了する。 On the applicant terminal 10, when the application screen is received, the insurance application details are input. Further, an image 50 relating to vehicle information and an image 60 of vehicle members are designated. The images related to the vehicle information are the vehicle verification (see FIG. 12) and the image of the front grill of the vehicle (see FIG. 11). After entering all the required items and specifying the required data, for example, clicking the "Apply" button completes the application.
　Ｓ３：申請者用端末１０からの申請を受け取るとＳ４へ進む。 S3: When the application from the applicant terminal 10 is received, the process proceeds to S4.
　Ｓ４：、車両の情報に関する画像５０と、車両用部材の画像６０を画像処理して、車両と車両用部材を識別する。 S4 :, The image 50 related to the vehicle information and the image 60 of the vehicle member are image-processed to identify the vehicle and the vehicle member.
　画像処理部２０４に車両の情報に関する画像５０と、車両用部材の画像６０を入力すると、画像の画素値に基づいて特徴量を抽出する。それにより、車両の情報に関する画像５０、例えば、車検証とフロントグリルの画像から車両を識別する。さらに、車両用部材の画像６０に示されている情報を自動的に認識して、車両用部材を識別する。車両用部材を認識できない場合には、人の目により判断して特定する。それでも特定できない場合には、申請者用端末１０の撮像部１０３を介して、動画から確認することもできる。 When the image 50 related to the vehicle information and the image 60 of the vehicle member are input to the image processing unit 204, the feature amount is extracted based on the pixel value of the image. Thereby, the vehicle is identified from the image 50 relating to the vehicle information, for example, the vehicle verification and the front grille image. Further, the information shown in the image 60 of the vehicle member is automatically recognized to identify the vehicle member. If the vehicle member cannot be recognized, it is judged and specified by human eyes. If it still cannot be specified, it can be confirmed from the moving image via the image pickup unit 103 of the applicant terminal 10.
　さらに、画像処理された車両用部材の画像６０と、保存部２０３に保存されている多数の前記車両用部材の状態を特定する画像４０と比較して、車両用部材の状態を特定する。状態が特定できない場合には人の目により判断して特定する。それでも特定できない場合には、申請者用端末１０の撮像部１０３を介して、動画から確認することもできる。 Further, the state of the vehicle member is specified by comparing the image 60 of the image-processed vehicle member with the image 40 that specifies the state of a large number of the vehicle members stored in the storage unit 203. If the condition cannot be specified, it will be judged and specified by human eyes. If it still cannot be specified, it can be confirmed from the moving image via the image pickup unit 103 of the applicant terminal 10.
　車両用部材の状態の特定が完了すると、Ｓ５へ進む。 When the identification of the state of the vehicle parts is completed, the process proceeds to S5.
　Ｓ５：車両の情報に関する画像５０、例えば車検証の画像とフロントグリルの画像と、車両用部材の画像６０を画像処理することにより識別された車両、及び車両用部材が、保険加入対象である場合には、Ｓ６へ進む。対象でない場合には、Ｓ８へ進む。対象でない場合には、車検証とフロントグリルの画像（ナンバー、フォルムが示されより、これらの全ての情報により、車種、年式を特定）の車両とが一致しない場合、一致するが車両が保険加入対象外である場合がある。また、識別された車両用部材自体が保険加入対象外である場合もある。
　なお、Ｓ４では車両と車両用部材の識別のみを行い、Ｓ５で識別された車両用部材が保険加入対象である場合に、車両用部材の状態を特定するようにしてもよい。 S5: When the vehicle identified by image processing the image 50 related to the vehicle information, for example, the image of the vehicle verification and the image of the front grill, and the image 60 of the vehicle member, and the vehicle member are covered by insurance. Then proceed to S6. If it is not the target, proceed to S8. If it is not covered, if it does not match the vehicle in the vehicle verification and the image of the front grill (the number and form are shown, the model and year are specified by all these information), it matches but the vehicle is insured. It may not be eligible for subscription. In addition, the identified vehicle member itself may not be covered by insurance.
In S4, only the vehicle and the vehicle member may be identified, and when the vehicle member identified in S5 is covered by insurance, the state of the vehicle member may be specified.
　Ｓ６：車両用部材の画像６０を画像処理することにより特定された車両用部材の状態が、保証加入申請条件を満たす場合にはＳ７へ進む。満たさない場合にはＳ９へ進む。 S6: If the state of the vehicle member specified by image processing the image 60 of the vehicle member satisfies the guarantee subscription application condition, the process proceeds to S7. If not satisfied, proceed to S9.
　Ｓ７：保険加入申請を許可する旨の判断結果を申請者用端末１０に配信する。許可する旨の判断結果と共に、ＱＲコード（登録商標）を配信してもよいし、判断結果をメールにて送信してもよい。またメールにより判断結果と共にＱＲコード（登録商標）を送信してもよい。判断結果には、そのまま保管加入を進めるためのリンクがあってもよいし、契約する保険の確認画面が表示されてもよい。 S7: Distribute the judgment result of permitting the insurance application to the applicant terminal 10. The QR code (registered trademark) may be distributed together with the judgment result to the effect that the permission is permitted, or the judgment result may be sent by e-mail. You may also send a QR code (registered trademark) together with the judgment result by e-mail. In the judgment result, there may be a link for advancing the custody subscription as it is, or a confirmation screen of the insurance to be contracted may be displayed.
　Ｓ８：車両用部材が保険加入対象でないので保険監修申請を認めることが出来ない旨の判断結果を申請者用端末１０に配信する。 S8: The judgment result that the insurance supervision application cannot be approved because the vehicle parts are not covered by insurance is delivered to the applicant terminal 10.
　Ｓ９：車両用部材の状態が申請条件を満たさないため保険加入申請を認めることは出来ない旨の判断結果を申請者用端末１０に配信する。 S9: The judgment result that the insurance application cannot be accepted because the condition of the vehicle parts does not meet the application conditions is delivered to the applicant terminal 10.
　この結果に納得がいかない場合には、その旨を電話等によりお客様相談窓口に問い合わせる。 If you are not satisfied with this result, contact the customer service center by telephone or other means.
　車両用部材がタイヤの場合には、車両用部材の画像６０は、タイヤの画像６１とタイヤの溝の深さを測っている状態の画像６２となり、多数の車両用部材の状態を特定する画像は、タイヤの溝の深さを測っている状態の画像４１となる。 When the vehicle member is a tire, the image 60 of the vehicle member becomes an image 61 of the tire and an image 62 of a state in which the depth of the groove of the tire is measured, and is an image specifying the state of a large number of vehicle members. Is the image 41 in a state where the depth of the groove of the tire is measured.
　上記のＳ４では、タイヤの画像６１には、Ａ：メーカー名、Ｂ：タイヤシリーズ名、Ｃ：タイヤサイズ、Ｄ：タイヤの構造（例えばＴＲＥＡＤ　ＰＬＩＥＳ：１ＰＯＬＹＥＳＴＥＲ＋２ＳＴＥＥＬ＋１ＰＯＬＹＡＭＩＤＥ　ＳＩＤＥＷＡＬＬ　ＰＬＩＥＳ：１　ＰＯＬＹＳＴＥＲ）、Ｅ：ＵＴＱＧマーキング、Ｆ：タイヤ識別番号（含むＤＯＴ）、Ｇ：最大荷重、最大空気圧（ＭＡＸ　ＬＯＡＤ：８．２５Ｋｇ　ＭＡＸ　ＰＲＥＳＳ：３４０ＫＰａ）が示されており、これらの全ての情報により、タイヤを特定可能である。なお、タイヤを特定できればよく、これらの情報が全て必要でなくてもよいし、これらの情報以外の情報から特定してもよいことは当業者から明らかである。これにより特定されたタイヤが保険加入対象外である場合には、Ｓ５でＳ８保険加入申請不許可と進む（例えば、対象外の国制のタイヤや、対象外の製造年のタイヤ）。図９の写真判別時の条件１と２を満たす場合にも、Ｓ５でＳ８保険加入申請不許可Ｓ８と進む。図１０の保険加入申請の保留条件に当たる場合にも、Ｓ５でＳ８保険加入申請不許可と進む。 In the above S4, the tire image 61 has A: manufacturer name, B: tire series name, C: tire size, D: tire structure (for example, TREAD PLEES: 1POLYESTER + 2STEEL + 1POLYAMIDE SIDEWALL PRIES: 1 POLYSTER), E: UTQG marking. , F: Tire identification number (including DOT), G: Maximum load, Maximum air pressure (MAX LOAD: 8.25 kg MAX PRESS: 340 KPa), and the tire can be identified by all of these information. It is clear from those skilled in the art that the tire may be specified, and all of this information may not be necessary, or may be specified from information other than this information. If the tire specified by this is not covered by insurance, S5 will proceed with disapproval of S8 insurance application (for example, a tire of a national system that is not covered or a tire of a manufacturing year that is not covered). Even when the conditions 1 and 2 at the time of photo discrimination in FIG. 9 are satisfied, S5 proceeds to S8 insurance application disapproval S8. Even if the condition for holding the insurance application in FIG. 10 is met, S5 proceeds with S8 disapproval of insurance application.
　上記のＳ６では、図６、図７に示すように、深さ測定ゲージＪや硬化Ｋでタイヤの溝を測っている状態の画像６２を画像処理部２０４に入力すると、画像の画素値に基づいて特徴量を抽出する。図２１に示すように、画像処理部２０４は、抽出した画像の特徴量と、車両用部材状態特定用データベースに登録された、学習データに登録されたタイヤの溝を測っている状態の画像４１の画像特徴量とを比較することで、所定スコア以上近似する登録された車両用部材損傷の画像と同じであると認識して（パターン認識）、タイヤの状態（溝の深さ）を特定する。溝の深さが保険加入対象である場合には、Ｓ７保険加入申請許可へ進み、溝の深さが保険加入対象でない場合には、Ｓ９保険加入申請不許可へ進む。溝の深さが特定出来ない場合には、人の目により判断して特定する。 In S6 described above, as shown in FIGS. 6 and 7, when the image 62 in which the groove of the tire is measured by the depth measuring gauge J or the curing K is input to the image processing unit 204, it is based on the pixel value of the image. And extract the feature amount. As shown in FIG. 21, the image processing unit 204 measures the feature amount of the extracted image and the groove of the tire registered in the training data registered in the vehicle member state specifying database 41. By comparing with the image feature amount of, it is recognized that it is the same as the image of the registered vehicle member damage that approximates a predetermined score or more (pattern recognition), and the state of the tire (groove depth) is specified. .. If the depth of the groove is covered by insurance, proceed to S7 insurance application permission, and if the groove depth is not covered by insurance, proceed to S9 insurance application disapproval. If the depth of the groove cannot be specified, it is judged and specified by human eyes.
　車両用部材がフロントガラスの場合には、車両用部材の画像６０は、車両のフロントガラスの画像６３となる。これは、車両の情報に関する画像５０のフロントグリルの画像から切り出してもよい（図１１を参照のこと）。 When the vehicle member is a windshield, the image 60 of the vehicle member becomes the image 63 of the windshield of the vehicle. This may be cut out from the image of the front grille of image 50 regarding vehicle information (see FIG. 11).
　上記のＳ４では、車両のフロントグリルの画像には、ナンバー、フォルムが示されより、これらの全ての情報により、車種、年式を特定し、フロントガラスを特定可能である。なお、フロントガラスを特定できればよく、これらの情報が全て必要でなくてもよいし、これらの情報以外の情報から特定してもよいことは当業者から明らかである。 In S4 above, the number and form are shown on the image of the front grill of the vehicle, so it is possible to specify the vehicle type and model year and the windshield from all of these information. It is clear from those skilled in the art that the windshield may be specified, and all of this information may not be necessary, or may be specified from information other than this information.
　上記のＳ６では、フロントガラスの画像６３を画像処理することにより特定された状態が、図１９の「写真判別時の条件」を満たす場合には、Ｓ９保険加入申請不許可へ進む。満たさない場合にはＳ７保険加入申請許可へ進む。また、特定された状態が、図２０の「写真判別時の条件」を満たす場合にも、Ｓ９保険加入申請不許可へ進む（図１２～図１８参照のこと）。 In S6 above, if the state specified by image processing the image 63 of the windshield satisfies the "condition for photo discrimination" in FIG. 19, the process proceeds to S9 insurance application disapproval. If it does not meet the requirements, proceed to S7 insurance application permission. Further, even when the specified state satisfies the "condition for photo discrimination" in FIG. 20, the process proceeds to S9 disapproval of insurance application (see FIGS. 12 to 18).
　以上、図面を参照して、本発明の実施例を詳述してきたが、具体的な構成は、この実施例に限らず、本発明の要旨を逸脱しない程度の設計的変更は、本発明に含まれる。 Although the embodiments of the present invention have been described in detail with reference to the drawings, the specific configuration is not limited to this embodiment, and design changes to the extent that the gist of the present invention is not deviated are made in the present invention. included.
１０　申請者用端末
２０　車両用部材損傷保険加入可否を判断するサーバ
３０　ネットワーク
４０　前記車両用部材の状態を特定する画像
４１　タイヤの溝の深さを測っている状態の画像
５０　車両の情報に関する画像
６０　車両用部材の画像
６１　タイヤの画像
６２　タイヤの溝の深さを測っている状態の画像
６３　フロントガラスの画像
１００　車両用部材損傷保険加入判定システム
１０１　画面表示部
１０２　画像保存部
１０３　撮像部
２０１　申請画面配信部
２０２　保険加入申請受付部
２０３　保存部
２０４　画像処理部
２０５　状態特定部
２０６　申請判断部
２０７　判断結果配信部
Ａ　メーカー名
Ｂ　タイヤシリーズ名
Ｃ　タイヤサイズ
Ｄ　タイヤの構造
Ｅ　ＵＴＱＧマーキング
Ｆ　タイヤ識別番号（含むＤＯＴ）
Ｇ　最大荷重、最大空気圧
Ｈ　ナンバー
Ｉ　フォルム
Ｊ　深さ測定ゲージ
Ｋ　硬貨
  10 Applicant's terminal 20 Server for determining whether or not to take out vehicle member damage insurance 30 Network 40 Image for specifying the state of the vehicle member 41 Image for measuring the depth of the tire groove 50 Image for vehicle information 60 Vehicle member image 61 Tire image 62 Tire groove depth measurement image 63 Front glass image 100 Vehicle member damage insurance subscription determination system 101 Screen display unit 102 Image storage unit 103 Imaging unit 201 Application screen Distribution unit 202 Insurance subscription application reception unit 203 Storage unit 204 Image processing unit 205 Status specification unit 206 Application judgment unit 207 Judgment result distribution unit A Manufacturer name B Tire series name C Tire size D Tire structure E UTQG marking F Tire identification Number (including DOT)
G Maximum load, maximum air pressure H Number I Form J Depth measurement gauge K Coin

Claims (17)

  1. 　車両用部材損傷保険加入申請をする申請者用端末と、車両用部材損傷保険加入申請の可否を判断する装置とを備える車両用部材損傷保険加入判定システムであって、
    　前記申請者用端末と前記車両用部材損傷保険加入申請の可否を判断する装置とはネットワークを介して接続され、
    　前記車両用部材損傷保険加入申請の可否を判断する装置は、
    　前記申請者用端末からの要求を受信したときに、申請画面を前記申請者用端末に配信する、申請画面配信手段と、
    　前記申請者用端末からの申請内容を登録する、保険加入申請受付手段と、
    　多数の車両用部材の状態を特定する画像を保存する、車両用部材状態特定用画像保存手段と、
    　前記申請内容に含まれる、車両の情報に関する画像と、前記車両用部材の画像とから、車両と、前記車両用部材とを識別する画像処理手段と、
    　前記車両用部材の画像と前記車両用部材状態特定用画像保存手段に保存された多数の前記車両用部材の状態を特定する画像とを比較して、前記車両用部材の状態を特定する、車両用部材状態特定手段と、
    　特定された前記車両用部材が保険加入対象かどうかを判断する、保険加入条件を満たすかどうかを判断する申請判断手段と、
    判断結果を前記申請者用端末に配信する、判断結果配信手段と、を備える、
    車両用部材損傷保険加入判定システム。     It is a vehicle component damage insurance enrollment determination system equipped with a terminal for an applicant who applies for vehicle component damage insurance and a device for determining whether or not to apply for vehicle component damage insurance.
    The terminal for the applicant and the device for determining whether or not to apply for the damage insurance for vehicle parts are connected via a network.
    The device for determining whether or not to apply for vehicle component damage insurance is
    An application screen distribution means that distributes an application screen to the applicant terminal when a request from the applicant terminal is received.
    An insurance application receiving means for registering the application contents from the applicant terminal, and
    An image saving means for specifying the state of a large number of vehicle members, and an image saving means for specifying the state of a large number of vehicle members.
    An image processing means for identifying a vehicle and the vehicle member from an image related to vehicle information and an image of the vehicle member included in the application content.
    A vehicle for specifying the state of the vehicle member by comparing the image of the vehicle member with an image for specifying the state of a large number of the vehicle member stored in the image saving means for specifying the state of the vehicle member. Means for identifying the state of members and
    An application judgment means for determining whether or not the specified vehicle member is covered by insurance, and determining whether or not the specified conditions for insurance coverage are met.
    It is provided with a judgment result distribution means for distributing the judgment result to the applicant terminal.
    Vehicle member damage insurance participation judgment system.
  2. 　前記申請画面の要求は、ＵＲＬを前記申請者用端末から入力することにより行う、請求項１に記載の車両用部材損傷保険加入判定システム。 The vehicle member damage insurance participation determination system according to claim 1, wherein the request on the application screen is made by inputting the URL from the applicant terminal.
  3. 　前記申請者用端末は、撮像手段を備え、ＱＲコード（登録商標）を読み取ることにより、前記申請画面を要求する、請求項１に記載の車両用部材損傷保険加入判定システム。 The vehicle member damage insurance participation determination system according to claim 1, wherein the applicant terminal is provided with an imaging means and requests the application screen by reading a QR code (registered trademark).
  4. 　前記申請者用端末は、メール送受信手段を備え、前記申請画面の要求をすると、まず、メールアドレス登録画面が前記車両用部材損傷保険加入申請の可否を判断する装置から配信され、メールアドレスの登録が完了すると、そのメールアドレスに前記申請画面へのＵＲＬが送られる、請求項1～３のいずれか一項に記載の車両用部材損傷保険加入判定システム。 The applicant terminal is provided with an e-mail transmission / reception means, and when a request for the application screen is made, the e-mail address registration screen is first delivered from a device for determining whether or not to apply for vehicle component damage insurance, and the e-mail address is registered. The vehicle component damage insurance participation determination system according to any one of claims 1 to 3, wherein the URL to the application screen is sent to the e-mail address when the above is completed.
  5. 　前記判断結果を登録されたメールアドレスにも送信する、請求項４に記載の車両用部材損傷保険加入判定システム。 The vehicle member damage insurance participation determination system according to claim 4, which also sends the determination result to the registered e-mail address.
  6. 　前記判断結果はＱＲコード（登録商標）を含む、請求項１～５のいずれか一項に記載の車両用部材損傷保険加入判定システム。 The judgment result is the vehicle member damage insurance participation judgment system according to any one of claims 1 to 5, including a QR code (registered trademark).
  7. 　前記車両用部材は、タイヤであり、前記車両の情報に関する画像には、車検証の画像、車両のフロントグリルの画像が含まれ、前記車両用部材の情報には、タイヤの画像、タイヤ溝の深さが分かる画像が含まる、請求項１～６のいずれか一項に記載の車両用部材損傷保険加入判定システム。 The vehicle member is a tire, and the image related to the vehicle information includes an image of vehicle verification and an image of the front grill of the vehicle, and the information of the vehicle member includes an image of a tire and a tire groove. The vehicle member damage insurance participation determination system according to any one of claims 1 to 6, which includes an image showing the depth.
  8. 　前記車両用部材は、フロントガラスであり、前記車両の情報に関する画像には、車検証の画像、車両のフロントグリルの画像が含まれ、前記車両用部材の画像には、フロントガラスの画像画含まれる、請求項１～６のいずれか一項に記載の車両用部材損傷保険加入判定システム。 The vehicle member is a windshield, and the image related to the vehicle information includes an image of vehicle verification and an image of the front grill of the vehicle, and the image of the vehicle member includes an image image of the windshield. The vehicle member damage insurance participation determination system according to any one of claims 1 to 6.
  9. 　請求項１～８のいずれか一項のシステムに使用する、車両用部材損傷保険加入申請の可否を判断する装置。 A device used for the system of any one of claims 1 to 8 to determine whether or not to apply for vehicle component damage insurance.
  10. 　請求項１～８のいずれか一項のシステム、又は請求項９の車両用部材損傷の保険加入申請の可否を判断する装置に使用する、前記車両用部材損傷の保険加入申請の可否を判断する装置の作動方法であって、前記申請者用端末からの申請要求を受信する段階と、
    　申請画面を前記申請者用端末に配信する段階と、
    　前記申請者用端末からの申請内容を登録する段階と、
    　前記申請内容に含まれる、車両の情報に関する画像と、前記車両用部材の画像とから、車両と、前記車両用部材とを識別する段階と、
    　前記車両用部材の画像と前記車両用部材状態特定用画像保存手段に保存された多数の前記車両用部材の状態を特定する画像とを比較して、前記車両用部材の状態を特定する段階と、
    　特定された前記車両用部材が保険加入対象かどうかを判断する、保険加入条件を満たすかどうかを判断する段階と、
    判断結果を前記申請者用端末に配信する段階と、を含む、
    　作動方法。     Determine whether or not to apply for insurance for vehicle member damage, which is used for the system according to any one of claims 1 to 8 or the device for determining whether or not to apply for insurance for vehicle member damage according to claim 9. The method of operating the device, which is the stage of receiving the application request from the applicant terminal, and
    At the stage of delivering the application screen to the applicant terminal,
    The stage of registering the application contents from the applicant terminal and
    A step of distinguishing a vehicle from the vehicle member from an image related to vehicle information and an image of the vehicle member included in the application content.
    The stage of specifying the state of the vehicle member by comparing the image of the vehicle member with the image for specifying the state of a large number of the vehicle member stored in the image saving means for specifying the state of the vehicle member. ,
    The stage of determining whether the specified vehicle parts are covered by insurance, the stage of determining whether or not the insurance conditions are met, and
    Including the stage of delivering the judgment result to the applicant terminal,
    How it works.
  11. 　申請画面を前記申請者用端末に配信する前に、
    　メールアドレス登録画面を前記申請者用端末に配信する段階と、
    　前記申請者用端末からのメールアドレスを登録する段階と、
    　登録されたメールアドレスに、申請者画面へのアクセス用のＵＲＬを送信する段階と、
    　前記申請者用端末からのアクセスを受ける段階と、を含む、請求項４、または請求項４に従属する請求項５～９、に従属する請求項１０に記載の方法。     Before delivering the application screen to the applicant terminal,
    At the stage of delivering the e-mail address registration screen to the applicant terminal,
    At the stage of registering the e-mail address from the applicant terminal,
    At the stage of sending the URL for accessing the applicant screen to the registered e-mail address,
    10. The method of claim 10, which is dependent on claim 4, or claims 5-9, which is dependent on claim 4, including the step of receiving access from the applicant terminal.
  12. 　判定結果を登録されたメールアドレスに送信する段階を含む、請求項１１に記載の方法。 The method according to claim 11, which includes a step of sending the determination result to the registered e-mail address.
  13. 　判定結果にＱＲコード（登録商標）を含めて配信及び／又は送信する、請求項１０～１２いずれか一項に記載の方法。 The method according to any one of claims 10 to 12, wherein the QR code (registered trademark) is included in the determination result and distributed and / or transmitted.
  14. 　請求項１～８のいずれか一項のシステム、又は請求項９の車両用部材損傷の保険加入申請の可否を判断する装置に使用する、前記車両用部材損傷の保険加入申請の可否を判断する装置を作動するプログラムであって、前記申請者用端末からの申請要求を受信する段階と、
    　申請画面を前記申請者用端末に配信する段階と、
    　前記申請者用端末からの申請内容を登録する段階と、
    　前記申請内容に含まれる、車両の情報に関する画像と、前記車両用部材の画像とから、車両と、前記車両用部材とを識別する段階と、
    　前記車両用部材の画像と前記車両用部材状態特定用画像保存手段に保存された多数の前記車両用部材の状態を特定する画像とを比較して、前記車両用部材の状態を特定する段階と、
    　特定された前記車両用部材が保険加入対象かどうかを判断する、保険加入条件を満たすかどうかを判断する段階と、
    　判断結果を前記申請者用端末に配信する段階と、を含む、
    　プログラム。     Determine whether or not to apply for insurance for vehicle member damage, which is used for the system according to any one of claims 1 to 8 or the device for determining whether or not to apply for insurance for vehicle member damage according to claim 9. A program that operates the device, at the stage of receiving the application request from the applicant terminal, and
    At the stage of delivering the application screen to the applicant terminal,
    The stage of registering the application contents from the applicant terminal and
    A step of distinguishing a vehicle from the vehicle member from an image related to vehicle information and an image of the vehicle member included in the application content.
    The stage of specifying the state of the vehicle member by comparing the image of the vehicle member with the image for specifying the state of a large number of the vehicle member stored in the image saving means for specifying the state of the vehicle member. ,
    The stage of determining whether the specified vehicle parts are covered by insurance, the stage of determining whether or not the insurance conditions are met, and
    Including the stage of delivering the judgment result to the applicant terminal,
    program.
  15. 　申請画面を前記申請者用端末に配信する前に、
    　メールアドレス登録画面を前記申請者用端末に配信する段階と、
    　前記申請者用端末からのメールアドレスを登録する段階と、
    　登録されたメールアドレスに、申請者画面へのアクセス用のＵＲＬを送信する段階と、
    　前記申請者用端末からのアクセスを受ける段階と、を含む、請求項４、または請求項４に従属する請求項５～９、に従属する請求項１４に記載のプログラム。     Before delivering the application screen to the applicant terminal,
    At the stage of delivering the e-mail address registration screen to the applicant terminal,
    At the stage of registering the e-mail address from the applicant terminal,
    At the stage of sending the URL for accessing the applicant screen to the registered e-mail address,
    The program according to claim 14, which is dependent on claim 4, or claims 5 to 9, which is dependent on claim 4, including the step of receiving access from the applicant terminal.
  16. 　判定結果を登録されたメールアドレスに送信する段階を含む、請求項１５に記載のプログラム。 The program according to claim 15, which includes a step of sending a judgment result to a registered e-mail address.
  17. 　判定結果にＱＲコード（登録商標）を含めて配信及び／又は送信する、請求項１４～１６のいずれか一項に記載のプログラム。
          The program according to any one of claims 14 to 16, which distributes and / or transmits the QR code (registered trademark) including the determination result.
PCT/JP2021/037773 2020-10-16 2021-10-12 Determination system for purchase of vehicle member damage insurance, device used in determination system, operation method for determination system and device, and program therefor WO2022080384A1 (en)

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