WO2022244285A1 - 保険料算定方法、プログラム及び保険料算定システム - Google Patents
保険料算定方法、プログラム及び保険料算定システム Download PDFInfo
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Definitions
- This disclosure relates to insurance premium calculation methods, programs, and insurance premium calculation systems.
- Patent Document 1 discloses a method of acquiring information related to the automated driving of an automated vehicle and identifying who is responsible for an accident related to the automated vehicle based on the acquired information.
- Patent Document 1 does not disclose the calculation of insurance premiums for damages that may occur when an autonomous mobile object such as an autonomous vehicle moves.
- the present disclosure provides an insurance premium calculation method and the like that can accurately calculate insurance premiums for damage that may occur when an autonomous mobile body moves.
- An insurance premium calculation method is a computer-executed insurance premium calculation method that acquires first information about a configuration included in an autonomous mobile body, and based on the first information, the autonomous mobile body Calculate a first insurance premium for damage that may occur during movement, acquire second information regarding the state of the autonomous mobile body during movement in a first period, and calculate the first insurance premium based on the second information A process of calculating a corrected second premium and outputting the second premium as a premium for a second period after the first period is included.
- the insurance premium calculation method and the like it is possible to accurately calculate the insurance premium for damage that may occur when an autonomous mobile body moves.
- FIG. 1 is a diagram showing an application example of a vehicle insurance system according to an embodiment.
- FIG. 2 is a block diagram showing an example of the configuration of the vehicle insurance system according to the embodiment.
- FIG. 3 is a block diagram showing an example of the configuration of the remote management system according to the embodiment.
- FIG. 4 is a block diagram showing an example of the configuration of the automatic driving vehicle according to the embodiment.
- FIG. 5 is a block diagram showing an example of the configuration of the service provider system according to the embodiment.
- FIG. 6 is a flow chart showing an example of the operation of the remote management system according to the embodiment.
- FIG. 7 is a diagram for explaining a configuration related to the safety of the automatically driving vehicle provided in the automatically driving vehicle according to the embodiment.
- FIG. 8 is a flow chart showing an example of an insurance premium calculation method according to the embodiment.
- FIG. 9 is a diagram showing an example of a basic premium table.
- FIG. 10 is a diagram showing an example of a dynamic insurance premium table.
- An insurance premium calculation method is a computer-executed insurance premium calculation method that acquires first information about a configuration included in an autonomous mobile body, and based on the first information, the autonomous Calculate a first insurance premium for damage that may occur when moving the mobile body, acquire second information about the state of the autonomous mobile body when moving in the first period, and based on the second information, the first It includes a process of calculating a second insurance premium by correcting the insurance premium and outputting the second insurance premium as the insurance premium for a second period after the first period.
- the first insurance premium which is a basic insurance premium considering the configuration of the autonomous mobile body (for example, the configuration related to the safety of the autonomous mobile body)
- the autonomous mobile body in the first period A second insurance premium, which is a dynamic insurance premium in which the basic insurance premium is corrected according to the state at the time of movement, is calculated.
- the first information includes information on the combination of the configurations, redundancy of the configuration, countermeasures against hacking of the configuration, performance of the configuration, certification of security of the configuration, or modification of the configuration. You can
- the second information includes the vehicle state when the autonomous mobile body is moving, the surrounding situation when the autonomous mobile body is moving, the travel history of the autonomous mobile body, and the movement of the autonomous mobile body during the first period. It may also include information relating to the occurrence of a time event or a request for remote control from the autonomous mobile body.
- the basic insurance premium can be corrected by taking into account the information regarding the request for remote control from the mobile object.
- the first insurance premium may be calculated further based on the function or operation method of a remote management system that remotely manages the autonomous mobile body.
- the relationship between the number of operators remotely monitoring or remotely controlling the autonomous mobile body via the remote management system and the number of the autonomous mobile bodies, the operator's education status, or , the first insurance premium may be calculated based on the actual performance of the operator.
- the basic insurance premium can be calculated to be higher.
- the basic premium can be calculated to be low.
- the basic insurance premium can be calculated to be higher. In other words, if the operator is sufficiently educated, the possibility of an accident or the like occurring is low, so the basic insurance premium can be calculated to be low.
- the basic insurance premium can be calculated to be higher. In other words, when the actual work record of the operator is sufficient, the possibility of an accident or the like occurring is low, so the basic insurance premium can be calculated to be low.
- the first premium based on the presence or absence of a function that makes it easier for the operator to recognize, or the presence or absence of a function that enhances the safety of the other autonomous mobile body when the operator is responding to the request. can be calculated.
- the basic insurance premium can be calculated to be higher.
- the basic insurance premium can be calculated to be low.
- the basic insurance premium can be calculated to be higher.
- the basic insurance premium can be calculated to be low.
- the basic insurance premium can be calculated to be higher.
- the basic insurance premium can be calculated to be low.
- the first insurance premium may be calculated based on the number of bases of the autonomous mobile body that the remote management system corresponds to.
- the basic insurance premium By taking into account the number of autonomous mobile bases supported by the remote management system, it is possible to calculate the basic insurance premium more accurately. Specifically, when the number of bases is small, the possibility of an accident or the like occurring increases, so the basic insurance premium can be calculated to be higher. In other words, when there are many bases, the possibility of an accident or the like occurring is low, so the basic insurance premium can be calculated to be low.
- the first insurance premium when an event occurs during the movement of the autonomous mobile body, the number of emergency personnel who rush to the autonomous mobile body, the number of bases where the emergency personnel start rushing, or The first insurance premium may be calculated based on the time required for the rushing personnel to rush.
- the basic insurance premium can be calculated to be higher.
- the basic insurance premium can be calculated to be low.
- the basic insurance premium can be calculated to be higher. In other words, when there are many bases where the emergency personnel start rushing, the possibility of an accident or the like occurring is low, so the basic insurance premium can be calculated to be low.
- the basic insurance premium can be calculated to be higher. In other words, when the time required for the emergency personnel to rush to the emergency is short, the possibility of an accident or the like occurring is low, so the basic insurance premium can be calculated to be low.
- the second insurance premium may be calculated further based on the operation method of a remote management system that remotely manages the autonomous mobile body in the first period.
- the operation method of the remote management system can affect insurance premiums, so by considering the operation method of the remote management system, it is possible to correct the basic insurance premium more accurately.
- the relationship between the number of operators who remotely monitor or remotely control the autonomous mobile body via the remote management system and the number of the autonomous mobile bodies in the first period, or , the second insurance premium may be calculated based on the performance of the operator.
- the basic insurance premium can be corrected more accurately.
- Basic insurance premiums can be adjusted so that In other words, if the number of operators in the first period is large or the number of autonomous mobile bodies is small, the possibility of an accident occurring in the second period is low, so that the dynamic insurance premium will be low.
- the basic premium can be corrected to
- the basic insurance premium can be corrected so that the dynamic insurance premium increases.
- the operator has a good track record in the first period, it is unlikely that an accident or the like will occur in the second period.
- the second insurance premium in the first period, the number of times a request for remote control is generated from the autonomous mobile body, the response time until the response to the request is started, or the request
- the second insurance premium may be calculated based on the recovery time from when the autonomous mobile body returns to autonomous travel.
- the basic premium is adjusted to increase the dynamic premium. be able to.
- the number of requests in the first period is small, the possibility of an accident or the like occurring in the second period is low. can.
- Basic insurance premiums can be adjusted so that In other words, if the return time from the request in the first period until the autonomous mobile body returns to autonomous driving is short, the possibility of an accident occurring in the second period is low, so the dynamic insurance premium is Basic premiums can be adjusted to be lower.
- the second insurance premium in the first period, when an event occurs during the movement of the autonomous mobile body, the number of times the emergency personnel rushing to the autonomous mobile body is dispatched to the autonomous mobile body, or , the second insurance premium may be calculated based on the time required for the rushing personnel to rush.
- the basic insurance premium can be corrected more accurately by considering information related to the emergency personnel who rush to the autonomous mobile body.
- the time required for emergency personnel to rush in in the first period is long, the possibility of an accident occurring in the second period increases, so the basic premium is corrected so that the dynamic insurance premium will be higher. be able to.
- the time required for emergency personnel to rush to the scene in the first period is short, the probability of an accident occurring in the second period is low. can do.
- a program according to one aspect of the present disclosure is a program that causes a computer to execute the above insurance premium calculation method.
- An insurance premium calculation system includes a first acquisition unit that acquires first information about a configuration provided by an autonomous mobile body, and based on the first information, when the autonomous mobile body moves A calculation unit that calculates the first insurance premium for damage, a second acquisition unit that acquires second information about the state of the autonomous mobile body during movement in the first period, and based on the second information, the first A calculation unit that calculates a second insurance premium by correcting the insurance premium, and an output unit that outputs the second insurance premium as an insurance premium for a second period after the first period.
- an insurance premium calculation system that can accurately calculate insurance premiums for damage that may occur when an autonomous mobile body moves.
- FIG. 1 is a diagram showing an application example of a vehicle insurance system 100 according to an embodiment.
- the vehicle insurance system 100 provides a service using an automatically driving vehicle 400 that can be remotely monitored and remotely controlled by the remote management system 200 by the service provider system 300.
- the vehicle insurance system 100 covers damage that may occur when the automatically driving vehicle 400 moves. This is a system for calculating insurance premiums for Self-driving vehicle 400 is an example of an autonomous mobile body.
- the service provider system 300 is a system owned by the service provider. Services provided by service providers include delivery of goods and transportation of people using the self-driving vehicle 400 . Here, the service is explained as the delivery of goods. For example, multiple autonomous vehicles 400 are used for the service. Service providers design service specifications. For example, the service provider designs the contents of the service, the target area, the driving route, the number of vehicles, the specifications of the automatically driven vehicle 400, and the like. Also, the service provider prepares the automatic driving vehicle 400 and provides the service. A service provider receives a delivery request from a delivery requester and provides a service to deliver the goods to the delivery destination. Service-related processing is performed by the service provider system 300 . For example, the service provider system 300 determines the automatically driven vehicle 400 to be used for the delivery request, and notifies the recipient of the delivery destination.
- a remote management system 200 is used to remotely monitor and control the autonomous vehicle 400 .
- the remote management system 200 may be owned by the service provider, or may be owned by the service provider outsourced to an external business operator.
- the remote management system 200 is described as being owned by a service provider.
- a service provider makes an insurance contract with an insurance provider for a service using an automated driving vehicle 400 managed by remote monitoring or remote control.
- the service business operator and the external business operator may be the policyholders of the insurance.
- the vehicle insurance system 100 operated by the insurance company collects information used for calculating insurance premiums from the service provider system 300 and the remote management system 200, and calculates insurance premiums based on the collected information.
- Vehicle insurance system 100 is an example of an insurance premium calculation system.
- vehicle insurance system 100 the remote management system 200, and the service provider system 300 may be provided in one system.
- FIG. 2 is a block diagram showing an example configuration of the vehicle insurance system 100 according to the embodiment.
- the vehicle insurance system 100 is a system that calculates insurance premiums based on information related to the safety-related configuration of the automated driving vehicle 400 and information related to the state of the automated driving vehicle 400 while it is moving.
- Vehicle insurance system 100 is an example of a computer that executes an insurance premium calculation method.
- the components that make up vehicle insurance system 100 may be provided in one housing, or may be distributed. When the components constituting vehicle insurance system 100 are distributed, the information processing method may be executed by a plurality of computers.
- Vehicle insurance system 100 is implemented by, for example, a server.
- the vehicle insurance system 100 includes a processing unit 110, a storage unit 120, and a communication unit 130.
- Vehicle insurance system 100 is a computer including a processor, communication interface, memory, and the like.
- the memory is ROM (Read Only Memory), RAM (Random Access Memory), etc., and can store programs executed by the processor.
- the processing unit 110 is implemented by a processor that executes programs stored in memory.
- Storage unit 120 is implemented by a memory. Note that the storage unit 120 may be a memory separate from the memory in which the program is stored.
- the storage unit 120 also stores a basic insurance premium table 121 and a dynamic insurance premium table 122, which may be stored in different memories.
- Communication unit 130 is realized by a communication interface.
- the processing unit 110 includes a basic insurance premium determination unit 111 and an insurance premium correction unit 112 as functional components.
- the basic premium determination unit 111 is an example of a first acquisition unit that acquires vehicle safety configuration information related to the configuration of the automatically driven vehicle 400 .
- the configuration provided in the automatically driving vehicle 400 is, for example, a configuration related to the safety of the automatically driving vehicle 400 .
- Vehicle safety configuration information is an example of first information. Details of the vehicle safety configuration information will be described later.
- the basic insurance premium determination unit 111 is an example of a calculation unit that calculates the basic insurance premium for damage that may occur when the automatically driven vehicle 400 moves, based on the vehicle safety configuration information.
- the basic premium is an example of the first premium. The details of how to calculate the basic insurance premium will be described later.
- the insurance premium correction unit 112 is an example of a second acquisition unit that acquires vehicle state information for a predetermined period regarding the state of the automatically driven vehicle 400 during movement during the predetermined period.
- the predetermined period is an example of a first period, and is a period during which information used to calculate future insurance premiums is acquired.
- the predetermined period vehicle state information is an example of the second information. Details of the predetermined period vehicle state information will be described later.
- the insurance premium correction unit 112 is an example of a calculation unit that calculates a dynamic insurance premium by correcting the basic insurance premium based on the vehicle condition information for a predetermined period.
- a dynamic premium is an example of a second premium. The details of the method of correcting the basic premium, in other words, the method of calculating the dynamic premium, will be described later.
- the storage unit 120 stores a basic insurance premium table 121 and a dynamic insurance premium table 122.
- the basic premium table 121 is a table used when calculating the basic premium
- the dynamic premium table 122 is a table used when correcting the basic premium. Details of the basic premium table 121 and the dynamic premium table 122 will be described later.
- the communication unit 130 is an example of an output unit that outputs the dynamic insurance premium as the insurance premium for the applicable period after the predetermined period.
- the applicable period is an example of a second period, and is a period in which the output insurance premium is applied. For example, if the insurance premium is renewed monthly, the predetermined period may be one month (eg January) and the applicable period may be the next month (eg February).
- the communication unit 130 receives vehicle safety configuration information and predetermined period vehicle condition information from the remote management system 200, and transmits calculated insurance premiums to either or both of the remote management system 200 and the service provider system 300. .
- FIG. 3 is a block diagram showing an example configuration of the remote management system 200 according to the embodiment.
- the remote management system 200 is a system that manages the self-driving vehicle 400 used in the service provided by the service provider by remote monitoring and remote control.
- the components that make up the remote management system 200 may be provided in one housing, or may be distributed.
- the remote management system 200 includes an input unit 210, an output unit 220, a time measurement unit 230, a processing unit 240, a storage unit 250 and a communication unit 260.
- the input unit 210 is a steering wheel, an accelerator, a brake, or the like operated by an operator who remotely controls the automated driving vehicle 400, and the operator can remotely control the automated driving vehicle 400 by operating these. Also, the input unit 210 may be an input interface for inputting various other information.
- the output unit 220 is a display or the like viewed by an operator who remotely monitors or remotely controls the automated driving vehicle 400, and is a map showing the position of the automated driving vehicle 400 being monitored or a camera mounted on the automated driving vehicle 400 being monitored. A captured image or video is displayed. Also, the output unit 220 may be an output interface for outputting various other information.
- the time measurement unit 230 measures a predetermined period of time during which vehicle state information is acquired.
- the predetermined period is, for example, a period set by an insurance company and obtained from the vehicle insurance system 100 .
- the processing unit 240 includes a vehicle safety configuration information generation unit 241 and a predetermined period vehicle state information generation unit 242 as functional components.
- the vehicle safety configuration information generation unit 241 generates vehicle safety configuration information based on the vehicle information 251 stored in the storage unit 250 . Details of the vehicle safety configuration information generation unit 241 will be described later.
- the vehicle state information generation unit 242 for a predetermined period generates vehicle state information for a predetermined period based on the travel history 252 and the event history 253 stored in the storage unit 250 .
- the details of the predetermined period vehicle state information generator 242 will be described later.
- the storage unit 250 stores vehicle information 251 , travel history 252 and event history 253 .
- the vehicle information 251 is information about the identification number of the automatically driven vehicle 400, the vehicle type, and the hardware and software configurations of the automatically driven vehicle 400.
- the vehicle information 251 may be acquired from the automatically driven vehicle 400 or may be acquired from a terminal (not shown) owned by an administrator of the automatically driven vehicle 400 .
- the vehicle information 251 is acquired from the service provider when the service provider owns the self-driving vehicle 400, and when the service provider rents the self-driving vehicle 400, the rental company obtained from
- the travel history 252 includes the vehicle state during travel of the autonomous vehicle 400 (e.g., presence or absence of abnormality, speed, battery state, etc.), the surrounding circumstances during travel of the autonomous vehicle 400 during travel (e.g., presence or absence of obstacles, distance to obstacles, etc.), travel route, travel distance, and the like.
- the event history 253 is information about the occurrence of events (e.g., presence or absence of events, types of events, etc.) and requests for remote control (e.g., time and place of request for remote control, duration of remote control, etc.).
- events e.g., presence or absence of events, types of events, etc.
- requests for remote control e.g., time and place of request for remote control, duration of remote control, etc.
- the communication unit 260 receives vehicle information 251, travel history 252, event history 253, and the like from the automated driving vehicle 400. Note that the communication unit 260 may receive the vehicle information 251 from a service provider or a rental agency of the self-driving vehicle 400 . The communication unit 260 also transmits the vehicle safety configuration information and the vehicle state information for a predetermined period to the vehicle insurance system 100 .
- FIG. 4 is a block diagram showing an example of the configuration of an automatically driving vehicle 400 according to the embodiment.
- the self-driving vehicle 400 is a vehicle used in services provided by service providers, and is remotely monitored and controlled via the remote management system 200.
- the self-driving vehicle 400 includes an imaging unit 410 , a sensor unit 420 , a driving unit 430 , a position specifying unit 440 , a processing unit 450 , a storage unit 460 and a communication unit 470 .
- the photographing unit 410 is a camera or the like that photographs the surroundings of the autonomous vehicle 400 .
- An image or video obtained by photographing by the photographing unit 410 is used for obstacle detection and the like, and is also used for display for an operator during remote monitoring and remote control.
- the sensor unit 420 includes LiDAR (Light Detection And Ranging), millimeter wave radar, tilt sensor, acceleration sensor, speed sensor, and the like.
- LiDAR Light Detection And Ranging
- millimeter wave radar tilt sensor
- acceleration sensor acceleration sensor
- speed sensor speed sensor
- the drive unit 430 is used for moving the autonomous vehicle 40, such as a motor and an engine.
- the position specifying unit 440 is a GPS (Global Positioning System) and is used to specify the position of the self-driving vehicle 400 .
- the processing unit 450 includes a travel control unit 451 , an event detection unit 452 , a remote control request unit 453 and an operation mode switching unit 454 .
- the travel control unit 451 controls the autonomous travel of the self-driving vehicle 400 using the image or video obtained by the photographing unit 410 , the sensor unit 420 , the position specifying unit 440 and the autonomous software 464 .
- the event detection unit 452 detects the occurrence of an event requesting the remote management system 200 for remote monitoring or remote control. For example, the event detection unit 452 detects when the self-driving vehicle 400 itself cannot make a decision (for example, when there are many people around, when it is difficult to pass another vehicle while traveling on a narrow road, or when there is a blind spot). When there are many, when avoiding parking vehicles on the road, etc.), the occurrence of an event is detected. Also, for example, the event detection unit 452 detects an event when traveling in a place that has been previously determined to be handled by remote control (for example, when approaching a pedestrian crossing, approaching an intersection, etc.). Also, for example, the event detection unit 452 detects an event when driving in a place that has been determined to be remotely monitored in advance (for example, when driving in a place with many people, when driving on a narrow road, etc.). detect.
- the event detection unit 452 detects when traveling in a place that has been previously determined to be handled by remote control (for example
- the remote control request unit 453 requests remote control to the remote management system 200 when the event detection unit 452 detects the occurrence of an event that requires remote control. For example, the remote control request unit 453 requests remote control from the remote management system 200 when the autonomous vehicle 400 cannot make a decision by itself, or when traveling in a place where remote control has been determined in advance.
- the operation mode switching unit 454 is a processing unit that switches the operation mode, and switches between the remote control mode and the automatic operation mode.
- autonomous driving mode autonomous vehicle 400 moves autonomously by autonomous software 464 .
- remote control mode the autonomous vehicle 400 moves according to remote control instructions from the remote management system 200 .
- the storage unit 460 stores own vehicle information 461 , route information 462 , event information 463 and autonomous software 464 .
- the self-vehicle information 461 is information about the automatically driven vehicle 400, and is information about the identification number of the automatically driven vehicle 400, the type of vehicle, the hardware configuration and software configuration of the automatically driven vehicle 400, and the like.
- the route information 462 is travel route information included in the dispatch instruction received from the service provider system 300 .
- the route information 462 may be travel route information created by the automated driving vehicle 400 based on the information on the delivery source and the delivery destination after the automated driving vehicle 400 acquires the information on the delivery source and the delivery destination. .
- the event information 463 is information on the history of events that require remote control.
- the autonomous software 464 is software for autonomous movement.
- the communication unit 470 transmits own vehicle information 461 , route information 462 and event information 463 to the remote management system 200 .
- the communication unit 470 also transmits a request for remote control to the remote management system 200 .
- Communication unit 470 also receives remote control instructions from remote management system 200 .
- FIG. 5 is a block diagram showing an example of the configuration of the service provider system 300 according to the embodiment.
- the service provider system 300 is a system that manages and operates information related to services that use the automated driving vehicle 400.
- the components that make up the service provider system 300 may be provided in one housing, or may be distributed.
- the service provider system 300 includes an input unit 310 , an output unit 320 , a processing unit 330 , a storage unit 340 and a communication unit 350 .
- the input unit 310 is an input interface used for checking and changing the service status. For example, the input unit 310 changes the dispatch instruction.
- the output unit 320 is an output interface that outputs delivery information, vehicle status, etc. to the person in charge of the service provider, etc., and the person in charge can monitor the delivery information, vehicle status, etc.
- the processing unit 330 includes a delivery vehicle determination unit 331 , a delivery route determination unit 332 and a vehicle allocation instruction unit 333 .
- the delivery vehicle determination unit 331 determines the delivery vehicle (self-driving vehicle 400) to be used for delivery based on the delivery request received from the user.
- the delivery route determination unit 332 determines the delivery route based on the delivery request received from the user and the determined delivery vehicle.
- the vehicle allocation instruction unit 333 issues a delivery instruction including a delivery route to the delivery vehicle.
- the storage unit 340 stores vehicle information 341 , task information 342 and user information 343 .
- the vehicle information 341 is information related to the identification information, vehicle type, position, service status (for example, waiting for delivery, being delivered, being forwarded, etc.) of the automated driving vehicle 400.
- the task information 342 includes information identifying the task (dispatch request), task status (for example, waiting for delivery, being delivered, being forwarded, etc.), task type (transporting people or delivering goods, etc.), delivery destination and delivery source ( location of delivery destination and delivery source, user name of delivery destination and delivery source, etc.).
- the user information 343 is information related to user identification information, user name, user address, and the like.
- the communication unit 350 receives a delivery request (eg, departure point, destination, desired departure time, etc.) from the user's terminal.
- the communication unit 350 also transmits a delivery instruction (for example, a loading area, a delivery destination, a travel route, a departure time, an estimated arrival time, etc.) to the autonomous vehicle 400 .
- FIG. 6 is a flow chart showing an example of the operation of the remote management system 200 according to the embodiment.
- the vehicle safety configuration information generation unit 241 acquires the vehicle information 251 corresponding to the host vehicle information 461 received by the communication unit 260 from the automatically driven vehicle 400 (step S11).
- the vehicle safety configuration information generation unit 241 generates vehicle safety configuration information based on the vehicle information 251 (step S12).
- the vehicle safety configuration information is configuration information related to the safety of the automated driving vehicle 400 provided in the automated driving vehicle 400 .
- a configuration related to safety of automatic driving vehicle 400 will be described with reference to FIG. 7 .
- FIG. 7 is a diagram for explaining a configuration related to safety of the automatically driving vehicle 400 provided in the automatically driving vehicle 400 according to the embodiment.
- configurations related to the safety of the self-driving vehicle 400 include hacking security 401, remote monitoring 402, autonomous software 403, safety board 404, and sensor/hardware configuration 405.
- the hacking security 401 is software that protects against manipulation by unauthorized commands from the outside.
- the remote monitoring 402 is a mechanism for remotely monitoring abnormal behavior (abnormal values such as speed, acceleration, steering angle, tilt, delay) of the autonomous driving vehicle 400, and together with the computer on the remote management system 200 side, AI ( This is a configuration for monitoring signs of abnormal operation by means of Artificial Intelligence).
- abnormal behavior abnormal values such as speed, acceleration, steering angle, tilt, delay
- the autonomous software 403 is software that controls the autonomous driving of the autonomous vehicle 400, and controls the speed, acceleration, steering, and stopping of the autonomous vehicle 400 based on sensor detection information, self-location information, map information, and the like. control running. Also, the autonomous software 403 is software for implementing redundancy control.
- the safety board 404 controls emergency stop and power stop based on speed abnormality, acceleration abnormality, steering abnormality, vibration abnormality, and the like.
- the sensor/hardware configuration 405 includes sensors such as LiDAR, cameras, and millimeter-wave radar for measuring obstacles and self-position, and By-wire systems such as speed and acceleration control, braking, and steering.
- the vehicle safety configuration information may be the combination of these configurations, the redundancy of these configurations, the hacking countermeasures for these configurations, the performance of these configurations, the safety certification of these configurations, or the Contains information about modifications.
- the communication unit 260 transmits vehicle safety configuration information to the vehicle insurance system 100 (step S13). Although the details will be described later, this enables the vehicle insurance system 100 to calculate the basic insurance premium.
- the vehicle state information generation unit 242 for a predetermined period acquires the travel history 252 and the event history 253 corresponding to the own vehicle information 461, the route information 462, the event information 463, etc. received by the communication unit 260 from the automatically driven vehicle 400. (Step S14).
- the predetermined period of time vehicle state information generator 242 determines whether or not a predetermined period of time has passed (step S15).
- step S15 If it is determined that the predetermined period has not elapsed (No in step S15), the travel history 252 and event history 253 are acquired until the predetermined period has elapsed. That is, in steps S14 and S15, the travel history 252 and the event history 253 for a predetermined period are acquired.
- the predetermined period vehicle state information generation unit 242 When it is determined that the predetermined period has elapsed (Yes in step S15), the predetermined period vehicle state information generation unit 242 generates vehicle state information for the predetermined period.
- the vehicle state information for a predetermined period is information regarding the state of the automatically driven vehicle 400 during movement during a predetermined period.
- the vehicle state information for a predetermined period includes the vehicle state when the automatically driven vehicle 400 is moving, the surrounding situation when the automatically driven vehicle 400 is moving, the travel history of the automatically driven vehicle 400, and the automatically driven vehicle 400 in the predetermined period. , or information related to a request for remote control from the autonomous vehicle 400 .
- the communication unit 260 transmits the vehicle state information to the vehicle insurance system 100 for a predetermined period (step S17).
- the vehicle insurance system 100 corrects the basic insurance premium by determining whether or not the state of the automatically driven vehicle 400 during movement in a predetermined period satisfies a predetermined condition.
- the vehicle state information for a predetermined period may include information that is not necessary for determining whether the state of the automatically driven vehicle 400 during movement during the predetermined period satisfies the predetermined condition. Only information that can determine whether the state of the vehicle satisfies a predetermined condition may be extracted and transmitted to the vehicle insurance system 100 .
- the remote management system 200 indicates what information from the vehicle insurance system 100 will be used to determine whether the state of the automatically driven vehicle 400 during movement in a predetermined period satisfies a predetermined condition. information is obtained in advance.
- the vehicle safety configuration information and the vehicle status information for a predetermined period of time may be transmitted from the autonomous vehicle 400 to the remote management system 200 .
- FIG. 8 is a flow chart showing an example of the operation of the vehicle insurance system 100 according to the embodiment. Since the insurance premium calculation method is a method executed by vehicle insurance system 100 (computer), FIG. 8 is also a flowchart showing an example of the insurance premium calculation method according to the embodiment.
- the basic premium determining unit 111 acquires the vehicle safety configuration information received by the communication unit 130 from the remote management system 200 (step S21). Calculate the basic premium for the loss you get. For example, the basic insurance premium is calculated by performing the processing in steps S22 and S23.
- the basic premium determination unit 111 determines the safety level based on the vehicle safety configuration information (step S22). For example, the basic premium determination unit 111 determines the safety level using the basic premium table 121 . Then, the basic premium determining unit 111 calculates the basic premium based on the safety level (step S23).
- the basic premium table 121 will be explained using FIG.
- FIG. 9 is a diagram showing an example of the basic premium table 121.
- FIG. 9 is a diagram showing an example of the basic premium table 121.
- the safety level is determined based on a combination of safety-related configurations of the autonomous vehicle 400.
- "O” shown in Fig. 9 means that the configuration is provided, and "X” means that the configuration is not provided. It is assumed that any combination shown in FIG. 9 has the sensor hardware configuration 405 . Also, for example, it is assumed that 0 is the lowest safety level and 4 is the highest safety level.
- the safety level is determined to be 0.
- an automatic braking function is implemented by hardware, but that alone lowers the safety level.
- the autonomous vehicle 400 has a combination of autonomous software 403, remote monitoring 402, and sensor/hardware configuration 405 as the relevant configuration, it is determined to be at safety level 1. In this case, for example, automatic braking by hardware is realized and remote monitoring is performed, but the safety level is not sufficient by itself and is low.
- the automated driving vehicle 400 has a combination of the autonomous software 403, the safety board 404, and the sensor/hardware configuration 405 as the relevant configuration, it is determined to be safety level 2.
- safety level 2 for example, both a hard automatic braking function and a soft automatic braking function are realized, and the safety level is normal.
- the automated driving vehicle 400 has a combination of the autonomous software 403, the safety board 404, the remote monitoring 402, and the sensor/hardware configuration 405 as the relevant configuration, it is determined as safety level 3.
- safety level 3 for example, both an automatic braking function by hardware and an automatic braking function by software are realized, and remote monitoring is performed, so the safety level is somewhat high.
- the automated driving vehicle 400 has a combination of autonomous software 403, safety board 404, remote monitoring 402, hacking security 401, and sensor/hardware configuration 405 as the relevant configuration, it is determined to be at safety level 4.
- safety level 405 for example, both an automatic brake function by hardware and an automatic brake function by software are realized, remote monitoring is performed, and hacking countermeasures are taken, so the safety level is high.
- the safety level is determined based on a combination of safety-related configurations of the autonomous vehicle 400.
- safety level 1 is determined for the combination of autonomous software 403, remote monitoring 402, and sensor/hardware configuration 405
- safety level 1 is determined for the combination of autonomous software 403, safety board 404, and sensor/hardware configuration 405.
- level 2 is determined, the present invention is not limited to this.
- a safety level of 2 is determined for the combination of autonomous software 403, remote monitoring 402 and sensor hardware 405, and a safety level of 1 is determined for the combination of autonomous software 403, safety board 404 and sensor hardware 405.
- a premium may be associated with each safety level.
- An insurance premium corresponding to the determined safety level can be calculated as a basic insurance premium. For example, it is assumed that "5" is the highest insurance premium and "1" is the lowest.
- Safety level 4 has a high degree of safety measures, so insurance premiums are low, and safety level 0 has low safety measures, so insurance premiums are high.
- Insurance premiums include insurance premiums for property damage, personal injury, service loss, and the like.
- the basic insurance premium may be calculated based on the presence or absence of redundancy in the safety-related configuration of the automated driving vehicle 400. For example, if the software automatic braking function fails and the hardware automatic braking function can complement the software automatic braking function, the basic premium may be calculated to be lower.
- the basic insurance premium may be calculated based on the presence or absence of hacking countermeasures for the configuration related to the safety of the automated driving vehicle 400. For example, the basic insurance premium may be calculated to be lower when hacking countermeasures are taken.
- the basic insurance premium may be determined based on the performance of the configuration related to the safety of the automated driving vehicle 400. If the performance of the configuration is high, the basic insurance premium may be calculated to be low.
- the multiple automatically driven vehicles 400 may include vehicles with different safety levels.
- the basic premium may be calculated according to the ratio of the number of automatically driven vehicles 400 for each safety level. Specifically, when one automated driving vehicle 400 with safety level 3 is used and one automated driving vehicle with safety level 2 is used, the basic insurance premium is (all the automated driving vehicles 400 with safety level 3 It may be calculated by (basic insurance premium/2)+(basic insurance premium in the case where all vehicles 400 are automatically driven at safety level 2/2).
- insurance premium correction unit 112 acquires vehicle condition information for a predetermined period of time received by communication unit 130 from remote management system 200 (step S24). It is determined whether or not the state of the driving vehicle 400 during movement satisfies a predetermined condition (step S25). For example, the insurance premium correction unit 112 uses the dynamic insurance premium table 122 to determine whether or not the moving state of the automatically driven vehicle 400 in a predetermined period satisfies a predetermined condition.
- the dynamic premium table 122 will be explained using FIG.
- FIG. 10 is a diagram showing an example of the dynamic insurance premium table 122.
- FIG. 10 is a diagram showing an example of the dynamic insurance premium table 122.
- FIG. 10 shows the number of times of emergency braking, the number of times of sudden steering, the number of times of approaching an obstacle (30 cm or less), the number of times of exceeding the speed limit, and the safe driving distance in a predetermined period as items used for correcting the basic insurance premium.
- the dynamic premium table 122 is used to determine if they meet predetermined conditions. For example, focusing on the number of times of emergency braking, it is determined whether the number of times of emergency braking is less than 3 times or 6 times or more as a predetermined condition during traveling in a predetermined period.
- the number of times or the distance in the item used for correcting the basic insurance premium may be the total number of times or the total distance for the plurality of automated driving vehicles 400, or the average may be Further, the number of times or distance in the item used for correcting the basic insurance premium may be a ratio of the number of times or distance to the total number of deliveries made in a predetermined period.
- the predetermined condition is not limited to a condition based on a predetermined threshold value (less than 3 times, 6 times or more, etc.), and a comparison with the state of the automatic driving vehicle 400 during movement in the previous predetermined period (more or less than the previous time, etc.) ) may be a condition based on For example, when the insurance premium is renewed monthly, if the current predetermined period is January, the previous predetermined period is December. A magnitude relation with the state at the time of movement of 400 is determined.
- step S25 if the state of the automatically driven vehicle 400 during movement during the predetermined period does not satisfy the predetermined condition (No in step S25), the basic insurance premium is not corrected, and the process proceeds to step S28.
- the basic insurance premium is not corrected, and the process proceeds to step S28. For example, in the example of emergency braking in FIG. 10, if the number of times of emergency braking is 3 to 5, the predetermined condition is not satisfied, the correction rate of the basic premium becomes 0%, and the basic premium is not corrected. .
- the insurance premium correction unit 112 determines a basic insurance premium correction policy (step S26). For example, in the example of emergency braking in FIG. If it is more than once, the correction rate of the basic premium is determined to be +10%.
- the insurance premium correction unit 112 corrects the basic insurance premium based on the correction policy, and calculates the dynamic insurance premium with the corrected basic insurance premium (step S27). That is, the insurance premium correction unit 112 sets the dynamic insurance premium as the premium calculated by multiplying the basic premium by the correction factor determined in step S26.
- the communication unit 130 outputs (transmits) the dynamic insurance premium to the remote management system 200 as the insurance premium for the applicable period after the predetermined period (step S28).
- the communication unit 130 may transmit the insurance premium to the service provider system 300 .
- the service provider or the like can confirm the insurance premium that takes into consideration the configuration of the automatically driven vehicle 400 and the state of the automatically driven vehicle 400 during movement during a predetermined period.
- the basic insurance premium is calculated in consideration of the configuration of the automated driving vehicle 400 (for example, the configuration related to the safety of the automated driving vehicle 400).
- a dynamic premium is calculated by adjusting the basic premium according to the state.
- the insurance premium is calculated in consideration of the configuration of the automated driving vehicle 400 and the state of the automated driving vehicle 400 during movement in a predetermined period. can be calculated accurately.
- the service provider it is possible for the service provider to cover risks based on various data based on service operation time and experience, and for the user Not only does it provide the convenience of being able to obtain insurance in the event of an accident or service failure, but it also enables dynamic insurance premium setting according to time-series changes in risks and costs in service provision, so the uncertainty associated with automated driving becomes a reality. It becomes easy to judge the trade-off between risk, cost and convenience in such services.
- the basic insurance premium may be calculated based on the presence or absence of safety certification for the configuration related to the safety of the self-driving vehicle 400.
- the basic insurance premium may be calculated based on whether or not the safety-related configuration of the automated driving vehicle 400 has been certified as meeting predetermined safety standards or completing predetermined operation checks. good. For example, when a predetermined safety standard is satisfied or a predetermined operation check is completed, the basic insurance premium can be calculated low because the safety is improved.
- a certification test for redundancy of the sensor/hardware configuration 405 is performed by hiding part of multiple sensors such as LiDAR and cameras, and measuring whether obstacles can be detected and stopped.
- a certification test of the safety board 404 is performed by confirming from the outside the certification code embedded in the safety board 404 whether or not the certified safety board 404 is mounted.
- whether or not the certified autonomous software 403 is installed is accessed from the outside in the software test mode, and the embedded certification code is confirmed, so that the certification test of the autonomous software 403 is performed.
- whether or not the remote management system 200 can operate with stop and run instructions is confirmed by whether or not the remote management system 200 can respond to numerical values and words presented around the automatic driving vehicle 400.
- a qualification test for remote monitoring 402 is performed. Also, for example, when hacking countermeasures are turned on, even if a certain interference command is sent via the network, it is measured whether abnormal operations are performed in response to steering commands, speed/acceleration instruction commands, brake commands, etc. A certification test for hacking security 401 is performed.
- a sudden acceleration instruction, a sudden steering instruction or a sudden braking instruction is given, the system of the autonomous vehicle 400 indicates an abnormality detection state, it is confirmed whether the system stops, and whether a stop instruction is issued from the remote management system 200 By confirming, the operation is confirmed. Also, a hacking command (obstruction command) is sent from the network, the system of the automated driving vehicle 400 detects an abnormality, and the system is confirmed to operate normally, so that the operation is confirmed.
- the license may be displayed so that it can be seen that the certification has been performed or the operation has been confirmed.
- periodic inspections may be performed to ensure that the certified level is not exceeded.
- the communication function may be used to constantly monitor whether the safety-related configuration of the autonomous vehicle 400 has been altered.
- software may be embedded that periodically confirms whether or not a configuration related to safety of the automatic driving vehicle 400 has been attached or detached and confirms the operation of the function.
- the basic insurance premium may be calculated based on the function or operation method of the remote management system 200 that remotely manages the self-driving vehicle 400.
- the basic insurance premium may be calculated based on the relationship between the number of operators who remotely monitor or remotely control the automated driving vehicles 400 via the remote management system 200 and the number of automated driving vehicles 400.
- the basic insurance premium may be calculated according to the number of remotely monitored automatically driven vehicles 400 per operator.
- the number of automatically driven vehicles 400 to be remotely monitored per operator is (number of automatically driven vehicles 400 to be remotely monitored)/(number of operators).
- the basic premium is calculated so that the larger the number of remotely monitored automatically driven vehicles 400 per operator, the higher the basic insurance premium.
- the basic insurance premium varies depending on the number of remotely monitored automated driving vehicles 400 per N operators. may be calculated. Alternatively, the basic insurance premium may be calculated according to the number of remotely monitored operators per autonomous driving vehicle 400 . Note that the basic insurance premium may be calculated according to the number of remotely monitored operators per M (two or more) automated driving vehicles 400 . Also, the basic insurance premium may be calculated according to the number of operators for each task, such as the number of operators for remote monitoring and the number of operators for remote control.
- the basic insurance premium may be calculated based on whether or not there is a function for taking over remote monitoring via the remote management system 200 when a request for remote control from the self-driving vehicle 400 occurs. Specifically, when a request occurs, one of a plurality of operators under remote monitoring performs remote control in response to the request, and the one operator performs remote monitoring. This is a function for handing over remote monitoring of the self-driving vehicle 400 to another operator.
- the operator A may be in charge of remote control of the one automatic driving vehicle 400 and the operator B may remotely monitor the nine automatic driving vehicles 400 other than the one automatic driving vehicle 400 .
- the operator B monitoring screen may be changed so as to exclude the one automatically driven vehicle 400 from the operator B monitoring screen, for example.
- the basic insurance premium may be calculated based on the number of bases of the autonomous vehicle 400 that the remote management system 200 supports. For example, when one remote management system 200 is deployed for one base (area), one remote management system 200 can centrally manage the automated driving vehicle 400 at one base, thereby ensuring safety. It is calculated in such a way that it is more flexible and the basic premium is cheaper. Also, for example, when one remote management system 200 is deployed for a plurality of bases (areas), it is necessary to manage the automated driving vehicles 400 at the plurality of bases by the single remote management system 200. is calculated so that the basic premium is high and the
- the basic insurance premium may be calculated based on the number of emergency personnel who rush to the automatically driven vehicle 400 when an event occurs while the automatically driven vehicle 400 is moving. Basically, when an event occurs, a response is made by remote control by the remote management system 200, but if it is not possible to respond even by remote control, emergency personnel will rush to the automatic driving vehicle 400 and respond. . At that time, the larger the number of rushed personnel, the lesser the delay and the lower the risk.
- the basic insurance premium may be calculated based on the number of bases where rush personnel start rushing. The greater the number of bases to which emergency personnel start rushing, the less delay it will be possible to respond and the lower the risk, so the basic premium will be calculated to be cheaper.
- the basic insurance premium may be calculated according to whether or not the base where the rushing staff starts rushing is provided so that the rushing staff can rush within a predetermined time.
- the emergency personnel may be outsourced to an external security company, etc.
- the basic insurance premium is calculated according to whether or not the operation (contract) allows the emergency personnel to rush within a predetermined time.
- the basic insurance premium may be calculated based on the time required for the emergency personnel to rush to the scene.
- the basic premium may be calculated based on the operator's educational status. Specifically, the basic premium may be calculated according to whether the operator has received a specific educational program. If there is an operator license system or certification system, the basic premium may be calculated according to the presence or absence of the operator's license or certification.
- the basic insurance premium may be calculated based on the actual performance of the operator.
- the actual work record includes the time of remote monitoring, the number of remote control responses, the remote control travel time and distance, the number of remote control responses without accidents, and the rate.
- the basic insurance premium may be calculated based on the presence or absence of an automatic support function for remote control of the autonomous driving vehicle 400 via the remote management system 200. Since remote control is performed while the operator is watching the screen, the visual range is limited compared to normal control, making remote control difficult. For this reason, if the remote control system 200 is equipped with a remote control automatic support function, for example, a function that automatically applies a brake when an obstacle is approached during remote control, safety can be enhanced. is calculated so that the basic insurance premium becomes cheaper.
- a remote control automatic support function for example, a function that automatically applies a brake when an obstacle is approached during remote control
- the basic insurance premium may be calculated according to the ratio of the number of operators specializing in remote control to the number of remotely monitored automated driving vehicles 400 . If the ratio is high when a request for remote control from the autonomous vehicle 400 occurs, the request can be responded to immediately, the safety is high, and the basic insurance premium is calculated to be low.
- the basic insurance premium may be calculated based on the presence or absence of a function to supplement operators who remotely monitor or remotely control the autonomous driving vehicle 400 via the remote management system 200. If there is a shortage of operators, if there is a function that allows operators to be replenished from the outside (for example, a system in charge of another mobility service), it is calculated so that the basic premium is low with high safety. be.
- the basic insurance premium may be calculated based on the presence or absence of a function that makes it easier for the operator to recognize the occurrence of an event when the autonomous vehicle 400 moves. For example, when the operator is remotely monitoring a plurality of automated driving vehicles 400, if there is such a function, the possibility of the operator overlooking the occurrence of an event is reduced, the safety is high, and the basic insurance premium is reduced. Calculated. For example, by displaying an alert or highlighting, it becomes easier for the operator to recognize the occurrence of an event during movement of the autonomous vehicle 400 .
- the basic insurance premium may be calculated based on the presence or absence of a function that enhances the safety of other automated driving vehicles 400 while the operator is responding to a request. For example, when an operator responds to a request and there is also a request from another automatic driving vehicle 400, without the function, the request from the other automatic driving vehicle 400 cannot be immediately responded, and there is a risk. It is calculated so that the basic insurance premium is high.
- the function may be, for example, a function that enables remote monitoring of another autonomous vehicle 400 by another operator as a proxy. Specifically, it may be a function to change the supervisor of the other automatic driving vehicle 400 to another operator upon request.
- the function may be, for example, a function of controlling other automatically driven vehicles 400 so that other automatically driven vehicles 400 do not make requests when the operator is responding to the request. Specifically, when the operator responds to the request, the other automatically driven vehicle 400 may be stopped or decelerated, or the travel route of the other automatically driven vehicle 400 may be changed to a route where the request is less likely to occur.
- the basic insurance premium may be calculated based on information such as the vehicle type, vehicle size, and vehicle weight of the automated driving vehicle 400. For example, the larger the size of the vehicle, the more susceptible it is to overturning due to the influence of the wind.
- the basic insurance premium may be calculated based on the network environment of the area where the autonomous vehicle 400 is scheduled to travel. For example, if there is a communication delay, remote monitoring and remote control will be affected, so the safety is low and the basic premium is calculated to be high. Information on the network environment can be obtained from a service provider or an external company that measures the network environment.
- the basic insurance premium may be calculated based on the scheduled traveling speed of the autonomous vehicle 400. For example, when the planned traveling speed is high, accidents are more likely to occur, so the basic premium is calculated to be higher.
- the information on the expected traveling speed can be obtained from a service provider or an external company managing road information.
- the basic insurance premium may be calculated based on the weight of the luggage mounted on the automated driving vehicle 400 (or the weight of the vehicle including the luggage). For example, if the load to be loaded is heavy, the running stability is impaired and accidents are likely to occur, so the basic premium is calculated to be higher.
- the weight of luggage to be loaded on the autonomous vehicle 400 can be obtained from a service provider or the like.
- the basic insurance premium may be calculated based on information that may affect the basic insurance premium among the information related to the area where the automated driving vehicle 400 is scheduled to travel.
- information that may affect basic insurance premiums includes the number of narrow roads in the planned driving area, the length of such places, the number of intersections, the number of pedestrian crossings, and the number of autonomous vehicles per unit of time. 400, the number of other moving objects (maximum value or average value, etc.), the number of high-risk locations in the planned travel area, the length of the locations, and the like.
- the number of places with narrow roads in the planned travel area, the length of the places, the number of intersections, and the number of crosswalks can be obtained from the map information.
- the risk is high and the basic insurance premium is calculated to be high.
- the information of the number of other moving bodies in the time zone may be acquired.
- the number of other moving objects that exist around the autonomous driving vehicle 400 per unit time can be obtained from cameras or sensors installed in infrastructure such as traffic lights and utility poles, or can be obtained by an external vendor. It can be obtained from information on traffic conditions.
- high-risk locations in the planned travel area are locations where near-miss incidents may occur or remote control requests may occur.
- the number of high-risk locations in the planned travel area and the length of such locations are determined by extracting locations where near-miss incidents or requests for remote control occurred from information on the operation history of other mobility services, and It can be acquired by extracting a location similar to the location. Alternatively, it can be obtained from the simulation result for the current service for which the insurance premium is calculated.
- the planned travel area can be acquired by performing a test run.
- the method of correcting the basic premium (in other words, the method of calculating the dynamic premium) is not limited to the one described above.
- the dynamic insurance premium may be calculated based on the travel history of the autonomous vehicle 400 during a predetermined period.
- dynamic insurance premiums may be calculated based on the number of near miss events (attempted collision, emergency stop, sudden steering, etc.) in a predetermined period. For example, if there are no or few occurrences of near-miss events in a predetermined period, the basic premium is corrected so that the dynamic premium is reduced. For example, when the number of occurrences of near-miss events has increased compared to the previous predetermined period, the basic premium is corrected so that the dynamic premium is higher than the basic premium.
- an attempted collision means, for example, that the approach distance between the automated driving vehicle 400 and a person or an obstacle is less than or equal to a predetermined distance (eg, 1 m, 0.7 m, 0.5 m, 0.2 m, etc.).
- an emergency stop means for example, that an emergency brake is operated (for example, 0.2G, 0.3G, 0.4G, 0.5G, etc.).
- a sharp steering wheel means, for example, that the steering angle becomes equal to or greater than a predetermined angle (eg, 5°/cm, 7°/cm, 10°/cm, 15°/cm, etc.).
- the dynamic insurance premium may be calculated based on the number of times the vehicle travels through a location where accidents are likely to occur in a predetermined period. For example, if the number of times the vehicle has traveled to an accident-prone location is high, the risk is high, and the basic insurance premium is corrected so that the dynamic insurance premium is high.
- Accident-prone locations are, for example, locations where sudden braking, sudden steering, requests for remote control, remote intervention by operators, deterioration of communication conditions, etc. have occurred in the past. Note that locations where accidents are likely to occur are registered in advance, and when the above locations are newly discovered within a predetermined period of time, the newly discovered locations may be additionally registered.
- the dynamic insurance premium may be calculated based on the speed exceeding the scheduled travel speed (eg, +0.5 km/h, +1.0 km/h, +1.5 km/h, etc.) in a predetermined period. .
- the scheduled running speed is exceeded, the risk increases, so the basic premium is corrected so that the dynamic premium increases.
- the dynamic insurance premium may be calculated based on the number of times the planned traveling speed is exceeded or the time period during which the planned traveling speed is exceeded in a predetermined period.
- the planned travel speed may be the speed at which the autonomously driven vehicle 400 moves autonomously, or may be the speed at which it is remotely controlled.
- the dynamic insurance premium may be calculated based on the number of times the vehicle deviates from the planned travel area in a predetermined period.
- the self-driving vehicle 400 has traveled in the planned travel area in advance and confirmed the safety during travel. If so, the chance of an accident increases. If the number of times the vehicle has deviated from the planned travel area during the predetermined period is large, the basic insurance premium is corrected so that the dynamic insurance premium is high.
- the dynamic insurance premium may be calculated based on the time spent traveling outside the planned travel area during a predetermined period, or the ratio of the time spent traveling outside the planned travel area to the predetermined period.
- a dynamic insurance premium may be calculated based on the number of network delays (eg, Ping 300 ms, 400 ms, 500 ms, etc.) in a predetermined period. For example, when the network delay is large, it is difficult to perform safe remote monitoring and remote control, so the basic premium is adjusted to increase the dynamic premium.
- the dynamic insurance premium may be calculated based on the number of communication interruptions during a predetermined period. In particular, if a communication error such as a network delay or communication interruption occurs during remote control, the possibility of an accident increases. may be calculated.
- a dynamic premium may also be calculated based on the degree of network delay.
- the dynamic insurance premium may be calculated based on the number of automatically driven vehicles 400 operating in the service area for a predetermined period. For example, the greater the number of automatically driven vehicles 400 operating in the travel area, the higher the possibility of an accident occurring, so the basic insurance premium is corrected so that the dynamic insurance premium increases.
- the dynamic insurance premium may be calculated based on the number of other traffic participants such as vehicles other than the automated driving vehicle 400 and bicycles. The number of other traffic participants may be detected using an image sensor or the like mounted on the automated driving vehicle 400, or may be detected by an external device (traffic lights, sensors installed in infrastructure such as utility poles, other traffic participants, etc.). may be sensed using information collected from sensors, such as those possessed by .
- the dynamic insurance premium may be calculated based on the vehicle state during movement of the automatically driven vehicle 400 during a predetermined period.
- the dynamic insurance premium may be calculated based on information about the luggage of the autonomously driven vehicle 400 that may become unstable during a predetermined period of time. For example, depending on the size or weight of the luggage, the balance of the autonomous vehicle 400 becomes unstable. If there is more than a predetermined number of times, the basic insurance premium is corrected so that the dynamic insurance premium becomes higher. Note that the size or weight of the package may be determined by the type of package, so the dynamic premium may be calculated based on the type of package over a predetermined period of time.
- the dynamic insurance premium may be calculated based on the safety-related configuration of the automated driving vehicle 400 in a predetermined period.
- the basic insurance premium is calculated considering the safety-related configuration of the autonomous vehicle 400, but the configuration may be different for a predetermined period of time. Therefore, it is determined whether the configuration related to the safety of the automated driving vehicle 400 in a predetermined period is the same as the configuration when the basic insurance premium is calculated, and based on the determination result, the dynamic insurance premium may be calculated. .
- the dynamic insurance premium may be calculated based on whether the safety-related configuration of the autonomous vehicle 400 is operating effectively for a predetermined period of time.
- the dynamic insurance premium may be calculated based on the operation method of the remote management system 200 that remotely manages the automated driving vehicle 400 for a predetermined period.
- the dynamic insurance premium may be calculated based on the relationship between the number of operators who remotely monitor or remotely control the automated driving vehicle 400 via the remote management system 200 and the number of the automated driving vehicle 400 in a predetermined period. . Specifically, the dynamic insurance premium may be calculated based on the number of monitored automatically driven vehicles 400 per operator in a predetermined period. For example, the greater the number of monitored automated driving vehicles 400 per operator, the lower the focus of monitoring one automated driving vehicle 400 and the lower the safety, so the dynamic insurance premium will increase. is corrected. Note that the number of monitored automatically driven vehicles 400 per operator in a predetermined period may change from moment to moment. Therefore, the dynamic insurance premium may be calculated based on the average number of monitored automatically driven vehicles 400 per operator in a predetermined period.
- the dynamic insurance premium may be calculated based on the number of times the number of monitored automatically driven vehicles 400 per operator exceeds a predetermined number in a predetermined period.
- the dynamic insurance premium may be calculated based on the ratio of the period during which the number of monitored automatically driven vehicles 400 per operator exceeds a predetermined number in a predetermined period.
- the dynamic insurance premium may be calculated based on the number of times the autonomous vehicle 400 requests remote control in a predetermined period. For example, when the automatic driving vehicle 400 detects the occurrence of an event, it becomes difficult to move autonomously, and it is conceivable that the operator is requested to take action. In such a case, the automated driving vehicle 400 will be forced to stop in an emergency, increasing the possibility of an accident.
- the basic premium is adjusted so that Note that some events require an immediate action by the operator (for example, an emergency stop due to a failure) and some events do not require an immediate action (for example, returning the vehicle to the garage). In other words, depending on the type of event that occurs, there are those with a high probability of causing an accident and those with a low probability. Therefore, the predetermined number of times may differ according to the type of event.
- the dynamic insurance premium may be calculated based on the response time until the start of responding to a request for remote control from the automated driving vehicle 400 in a predetermined period.
- the dynamic insurance premium may be calculated based on the number of times a request could not be responded to immediately (in other words, it took more than a predetermined period of time before the response was started) in a predetermined period.
- the number of times that the response time is longer than the predetermined time is large, the number of times that the automatically driven vehicle 400 waits for a long period of time in a dangerous state is large, so there is a high possibility that an accident will occur. Therefore, in this case, the basic premium is corrected to increase the dynamic premium.
- the dynamic insurance premium may be calculated based on the waiting time of the automatically driven vehicle 400 in a predetermined period. Also, the dynamic insurance premium may be calculated based on the length of response time until a response to a request for remote control from the automated driving vehicle 400 is started in a predetermined period. For example, even if the response time exceeds a predetermined time, the basic premium will be lower if the response is started with a short response time than if the response is started with a long response time. is corrected.
- the dynamic insurance premium may be calculated based on the number of times a remote control request from the automated driving vehicle 400 could not be immediately responded to in a predetermined period. Failure to respond to the request immediately can be detected when the response time is longer than a predetermined time, or when the number of automatically driving vehicles 400 making requests exceeds the number of operators.
- the dynamic insurance premium is calculated based on the number of times the emergency personnel rushing to the automatically driven vehicle 400 is dispatched to the automatically driven vehicle 400 when an event occurs during the movement of the automatically driven vehicle 400 in a predetermined period. good. Since emergency personnel are dispatched when even the operator cannot respond to the request, the number of times the emergency personnel were dispatched to the automated driving vehicle 400 can be said to be the number of times remote control could not respond. For example, when dispatching emergency personnel to the automated driving vehicle 400, the automated driving vehicle 400 will be stopped for a long period of time, and there is a high possibility that an accident will occur. corrected.
- the dynamic insurance premium may be calculated based on the return time from when the autonomously driven vehicle 400 requests remote control to when the autonomously driven vehicle 400 returns to autonomous driving in a predetermined period.
- Factors that increase the recovery time include the case where the operator cannot respond immediately because he/she is responding to another request, the case where it takes time to respond to the request itself, or both. If the operator cannot respond immediately, the automatic driving vehicle 400 will be stopped for a long time, and there is a high possibility that an accident will occur. In addition, if it takes time to respond to the request itself, the operator has been operating remotely for a long time, and there is a high possibility that an accident will occur due to a decrease in concentration and the like. Therefore, for example, when the recovery time is long, the basic premium is corrected so that the dynamic premium is increased.
- the dynamic insurance premium may be calculated based on the operator's performance in a predetermined period. It is believed that the more experienced an operator is, the better his/her skill will be, for example, the better the skill, the less time it will take to operate a remote control. For this reason, the more experienced an operator is, the shorter the time that an automated vehicle that does not respond to a request can be stopped even if a request occurs at the same time, and the less likely an accident will occur.
- the basic insurance premium is revised so that the insurance premium becomes cheaper.
- the operator's track record may be a track record for each task (for example, remote control or remote monitoring). Further, the track record of remote control is the number of times or the amount of time that requests can be responded to without causing an accident by remote control.
- the dynamic insurance premium may be calculated based on the time required for the emergency personnel to rush to the scene during a predetermined period. For example, when dispatching emergency personnel to the automated driving vehicle 400, the longer the time required for rushing, the longer the automated driving vehicle 400 will be stopped, and the higher the possibility of an accident occurring.
- the basic insurance premium is corrected to be higher.
- the rushing time can be calculated, for example, from the time from when the automated driving vehicle 400 makes a request until the rushing personnel arrive at the automatically driving vehicle 400 .
- the dynamic insurance premium may be calculated based on the time from when the emergency personnel rushes to the automated driving vehicle 400 to when the response is completed in a predetermined period.
- a dynamic insurance premium may be calculated based on the distance traveled safely in a predetermined period. If the safe driving distance is long, the basic premium is adjusted so that the dynamic premium becomes lower.
- the dynamic insurance premium may be calculated based on the travel time period in a predetermined period. For example, if the percentage of time spent driving in a time zone with a high accident occurrence rate in a predetermined period is large, the basic premium is corrected so that the dynamic premium increases.
- the dynamic insurance premium may be calculated based on the surrounding conditions during the movement of the automated driving vehicle 400 for a predetermined period of time.
- the dynamic insurance premium may be calculated based on the traffic environment in which the automated driving vehicle 400 traveled during a predetermined period. For example, if the number of times or duration of driving in a traffic environment with a high accident rate in a predetermined period is large, the basic premium is corrected so that the dynamic premium increases.
- a traffic environment with a high accident rate is, for example, a non-pedestrian-vehicle road or a road with a relatively high speed limit without zone 30 (30 km/h area).
- traffic environments with a high accident rate include, for example, roads without guardrails or guard pipes, roads without warning signs, or roads with poor visibility due to roadside trees.
- the dynamic insurance premium may be calculated based on the traffic volume in the area traveled by the automated driving vehicle 400 during a predetermined period. For example, if the number of times of travel or the duration of travel during a predetermined period of time during traffic with a high accident rate is high, the basic premium is corrected so that the dynamic premium increases.
- thresholds may be set for the number of trips or time for each classification, such as pedestrians (adults), pedestrians (children), bicycles, motorcycles, automobiles, and trucks.
- the insurance premium calculation method and the vehicle insurance system 100 (insurance premium calculation system) according to one or more aspects of the present disclosure have been described based on the embodiments, but the present disclosure is based on these embodiments. It is not limited. As long as it does not depart from the spirit of the present disclosure, one or more of the embodiments of the present disclosure may be constructed by applying various modifications that a person skilled in the art can think of, or by combining the components of different embodiments. may be included within the scope of the embodiments.
- the autonomous vehicle 400 is described as an example of an autonomous mobile body, but the autonomous mobile body is not limited to the autonomous vehicle 400.
- the autonomous mobile body may be a mobile body that moves autonomously, such as a robot or a drone, and the present disclosure can also be applied to such an autonomous mobile body.
- the present disclosure can be implemented as a program for causing a processor to execute the steps included in the insurance premium calculation method.
- the present disclosure can be implemented as a non-temporary computer-readable recording medium such as a CD-ROM recording the program.
- each step is executed by executing the program using hardware resources such as the CPU, memory, and input/output circuits of the computer.
- hardware resources such as the CPU, memory, and input/output circuits of the computer.
- each step is executed by the CPU acquiring data from a memory, an input/output circuit, or the like, performing an operation, or outputting the operation result to the memory, an input/output circuit, or the like.
- each component included in vehicle insurance system 100 may be configured with dedicated hardware, or may be realized by executing a software program suitable for each component.
- Each component may be realized by reading and executing a software program recorded in a recording medium such as a hard disk or a semiconductor memory by a program execution unit such as a CPU or processor.
- a part or all of the functions of the vehicle insurance system 100 according to the above embodiment are typically implemented as an LSI, which is an integrated circuit. These may be made into one chip individually, or may be made into one chip so as to include part or all of them. Further, circuit integration is not limited to LSIs, and may be realized by dedicated circuits or general-purpose processors.
- An FPGA Field Programmable Gate Array
- a reconfigurable processor that can reconfigure the connections and settings of the circuit cells inside the LSI may be used.
- the present disclosure also includes various modifications in which a person skilled in the art makes modifications to each embodiment of the present disclosure, as long as they do not deviate from the gist of the present disclosure.
- the present disclosure can be applied to systems for providing services using autonomous mobile bodies such as self-driving vehicles.
- vehicle insurance system 110 240, 330, 450 processing unit 111 basic insurance premium determination unit 112 insurance premium correction unit 120, 250, 340, 460 storage unit 121 basic insurance premium table 122 dynamic insurance premium table 130, 260, 350, 470 communication unit 200 remote management system 210, 310 input unit 220, 320 output unit 230 time measurement unit 241 vehicle safety configuration information generation unit 242 predetermined period vehicle state information generation unit 251, 341 vehicle information 252 travel history 253 event history 300 service business system 331 delivery vehicle determination unit 332 delivery route determination unit 333 vehicle allocation instruction unit 342 task information 343 user information 400 self-driving vehicle 401 hacking security 402 remote monitoring 403, 464 autonomous software 404 safety board 405 sensor/hardware configuration 410 imaging unit 420 sensor Unit 430 Drive unit 440 Position specifying unit 451 Travel control unit 452 Event detection unit 453 Remote control request unit 454 Driving mode switching unit 461 Own vehicle information 462 Route information 463 Event information
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Abstract
Description
以下、実施の形態に係る保険料算定方法及び保険料算定システムについて説明する。
なお、基本保険料の算出方法は、上記で説明したものに限らない。
なお、基本保険料の補正方法(言い換えると動的保険料の算定方法)は、上記で説明したものに限らない。
以上、本開示の一つ又は複数の態様に係る保険料算定方法及び車両保険システム100(保険料算定システム)について、実施の形態に基づいて説明したが、本開示は、これらの実施の形態に限定されるものではない。本開示の趣旨を逸脱しない限り、当業者が思いつく各種変形を各実施の形態に施したものや、異なる実施の形態における構成要素を組み合わせて構築される形態も、本開示の一つ又は複数の態様の範囲内に含まれてもよい。
110、240、330、450 処理部
111 基本保険料決定部
112 保険料補正部
120、250、340、460 記憶部
121 基本保険料テーブル
122 動的保険料テーブル
130、260、350、470 通信部
200 遠隔管理システム
210、310 入力部
220、320 出力部
230 時間計測部
241 車両安全構成情報生成部
242 所定期間車両状態情報生成部
251、341 車両情報
252 走行履歴
253 イベント履歴
300 サービス事業者システム
331 配送車両決定部
332 配送ルート決定部
333 配車指示部
342 タスク情報
343 ユーザ情報
400 自動運転車両
401 ハッキングセキュリティ
402 遠隔監視
403、464 自律ソフト
404 安全ボード
405 センサ・ハード構成
410 撮影部
420 センサ部
430 駆動部
440 位置特定部
451 走行制御部
452 イベント検知部
453 遠隔操縦要請部
454 運転モード切替部
461 自車両情報
462 ルート情報
463 イベント情報
Claims (14)
- コンピュータにより実行される保険料算定方法であって、
自律移動体が備える構成に関する第1情報を取得し、
前記第1情報に基づいて、前記自律移動体の移動時に発生し得る損害に対する第1保険料を算出し、
第1期間における前記自律移動体の移動時の状態に関する第2情報を取得し、
前記第2情報に基づいて、前記第1保険料を補正した第2保険料を算定し、
前記第2保険料を、前記第1期間よりも後の第2期間における保険料として出力する、
保険料算定方法。 - 前記第1情報は、前記構成の組み合わせ、前記構成の冗長性、前記構成へのハッキング対策、前記構成の性能、前記構成の安全性に対する認定、又は、前記構成の改変に関する情報を含む、
請求項1に記載の保険料算定方法。 - 前記第2情報は、前記第1期間における、前記自律移動体の移動時の車両状態、前記自律移動体の移動時の周辺状況、前記自律移動体の走行履歴、前記自律移動体の移動時のイベントの発生、又は、前記自律移動体からの遠隔操縦の要請に関する情報を含む、
請求項1又は2に記載の保険料算定方法。 - 前記第1保険料の算出では、さらに、前記自律移動体を遠隔で管理する遠隔管理システムの機能又は運用方法に基づいて、前記第1保険料を算出する、
請求項1~3のいずれか1項に記載の保険料算定方法。 - 前記第1保険料の算出では、前記遠隔管理システムを介して前記自律移動体を遠隔監視又は遠隔操縦するオペレータの人数と前記自律移動体の台数との関係、前記オペレータの教育状況、又は、前記オペレータの実働実績に基づいて、前記第1保険料を算出する、
請求項4に記載の保険料算定方法。 - 前記第1保険料の算出では、前記自律移動体からの遠隔操縦の要請が発生したときの前記遠隔管理システムを介した遠隔監視の引き継ぎの機能の有無、前記遠隔管理システムを介した前記自律移動体の遠隔操縦の自動支援機能の有無、前記遠隔管理システムを介して前記自律移動体を遠隔監視又は遠隔操縦するオペレータを補充する機能の有無、前記自律移動体の移動時のイベントの発生を前記オペレータが認識しやすくなる機能の有無、又は、前記オペレータが前記要請に対応しているときに他の前記自律移動体の安全性を高める機能の有無に基づいて、前記第1保険料を算出する、
請求項4又は5に記載の保険料算定方法。 - 前記第1保険料の算出では、前記遠隔管理システムが対応する前記自律移動体の拠点の数に基づいて、前記第1保険料を算出する、
請求項4~6のいずれか1項に記載の保険料算定方法。 - 前記第1保険料の算出では、前記自律移動体の移動時にイベントが発生したときに、前記自律移動体に駆けつける駆けつけ要員の人数、前記駆けつけ要員が駆けつけを開始する拠点の数、又は、前記駆けつけ要員が駆けつけに要する時間に基づいて、前記第1保険料を算出する、
請求項4~7のいずれか1項に記載の保険料算定方法。 - 前記第2保険料の算定では、さらに、前記第1期間における前記自律移動体を遠隔で管理する遠隔管理システムの運用方法に基づいて、前記第2保険料を算定する、
請求項1~8のいずれか1項に記載の保険料算定方法。 - 前記第2保険料の算定では、前記第1期間における、前記遠隔管理システムを介して前記自律移動体を遠隔監視又は遠隔操縦するオペレータの人数と前記自律移動体の台数との関係、又は、前記オペレータの実績に基づいて、前記第2保険料を算定する、
請求項9に記載の保険料算定方法。 - 前記第2保険料の算定では、前記第1期間における、前記自律移動体からの遠隔操縦の要請が発生した回数、前記要請に対する対応が開始されるまでの応答時間、又は、前記要請があってから前記自律移動体が自律走行に戻るまでの復帰時間に基づいて、前記第2保険料を算定する、
請求項9又は10に記載の保険料算定方法。 - 前記第2保険料の算定では、前記第1期間における、前記自律移動体の移動時にイベントが発生したときに、前記自律移動体に駆けつける駆けつけ要員を前記自律移動体へ派遣した回数、又は、前記駆けつけ要員が駆けつけに要した時間に基づいて、前記第2保険料を算定する、
請求項9~11のいずれか1項に記載の保険料算定方法。 - 請求項1~12のいずれか1項に記載の保険料算定方法をコンピュータに実行させるプログラム。
- 自律移動体が備える構成に関する第1情報を取得する第1取得部と、
前記第1情報に基づいて、前記自律移動体の移動時に発生し得る損害に対する第1保険料を算出する算出部と、
第1期間における前記自律移動体の移動時の状態に関する第2情報を取得する第2取得部と、
前記第2情報に基づいて、前記第1保険料を補正した第2保険料を算定する算定部と、
前記第2保険料を、前記第1期間よりも後の第2期間における保険料として出力する出力部と、を備える、
保険料算定システム。
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