JP7324157B2 - Information processing device, information processing method, and information processing program - Google Patents

Description

Application of Article 30, Paragraph 2 of the Patent Law Publication name: Nihon Keizai Shimbun Publication name: Nihon Keizai Shimbun Daily, front page Publication date: January 10, 2020 [Publication, etc.] Website Address https://www. nikkei. com/article/DGXMZO54216510Z00C20A1MM8000/? n_cid=DSREA001 https://www. nikkei. com/article/DGXZZO54225640Z00C20A1000000/ Publication date: January 9, 2020 [Publications, etc.] Website address https://www. rakuten-sonpo. co. jp/news/tabid/85/Default. aspx? itemid=423&dispmid=753 Date of publication: January 9, 2020

The present invention relates to a technical field such as a system for calculating flood insurance premiums according to flood risk.

Conventionally, there have been proposed methods of calculating a reasonable pure insurance premium, which is used to pay insurance claims to policyholders, out of insurance premium income of an insurance company. For example, in the technology disclosed in Patent Document 1, the final integrated risk distribution is calculated based on the term structure and product structure of the loss ratio and occurrence probability for each risk factor of fire, earthquake, and water disaster, and the insurer The net premium is calculated taking into account the risk tolerance corresponding to the risk-adjusted rate of return of the insurer. In this way, by comprehensively covering all risk factors instead of individual risk factors, it is possible to rationally reduce pure insurance premiums.

JP-A-2002-373259

By the way, although the pure insurance premium rate for flood disasters is uniform nationwide for each structural class, policyholders feel unfair if, for example, the premium is the same for a house along a river and a house on a hill. There's a problem. Such problems cannot be solved by the technology disclosed in Patent Document 1.

Therefore, the present invention has been made in view of the above points, and provides an information processing device, an information processing method, and an information processing program that can set an appropriate insurance premium according to the risk of water disaster for each property location. One of the challenges is to provide

In order to solve the above-mentioned problems, the invention described in claim 1 provides property data including location information of each of a plurality of properties existing in a specific area, and flood depth expected due to flooding in the area including the specific area. property data acquiring means for acquiring property data to which the inundation depth is assigned for each of the properties by comparing the property data to which the inundation depth is assigned with the inundation depth data indicating the inundation depth allocation means for allocating to one of the risk categories divided into a plurality of risk categories according to the above; calculation means for calculating the pure insurance premium rate for each risk category based on the allocation result of the allocating means; setting means for setting insurance premiums divided into a plurality of categories based on the pure premium rates calculated for each of the risk categories. As a result, it is possible to set an appropriate insurance premium according to the flood disaster risk for each property location.

The invention according to claim 2 is the information processing apparatus according to claim 1, wherein the calculation means calculates the risk amount for each of the risk categories by executing a simulation using a preset water disaster risk model. and calculating the pure premium rate for each risk category based on the calculated risk amount and the insured amount for each risk category. Thereby, a more appropriate insurance premium can be set using an appropriate pure premium rate according to the amount of risk.

The invention according to claim 3 is the information processing apparatus according to claim 1 or 2, wherein the setting means calculates the difference of the pure insurance premium rate for each of the risk categories and the other risk categories, By classifying the difference in pure premium rate by cluster analysis, the difference in pure premium rate for each of a plurality of premium rate categories smaller than the risk category is obtained, and based on the difference in pure premium rate for each of the risk categories, the plurality of It is characterized by setting insurance premiums classified into. As a result, more appropriate insurance premiums can be set using the difference in pure insurance premium rate for each premium rate category.

The invention according to claim 4 is the information processing apparatus according to any one of claims 1 to 3, wherein the object data acquisition means indicates the depth of external water inundation expected due to external water flooding in the area. External water inundation depth data and internal water inundation depth data indicating the estimated internal water inundation depth due to inland water inundation in the area are compared with the property data, thereby obtaining the external water inundation depth data for each property. The property data to which the inundation depth and the internal water inundation depth are assigned is acquired, and the sorting means sorts the property data to which the external water inundation depth and the internal water inundation depth are assigned according to the inundation depth. and a plurality of inland water risk categories classified according to the inundation depth. The means calculates a pure insurance premium rate for each of the risk categories related to the combination based on the allocation result by the allocation means, and the setting means calculates the pure insurance premium rate calculated for each of the risk categories related to the combination. It is characterized by setting insurance premiums divided into a plurality based on. This makes it possible to set more appropriate insurance premiums from the two viewpoints of external water risk and inland water risk.

The invention according to claim 5 is the information processing apparatus according to any one of claims 1 to 4, wherein input means for inputting location information of a property to be insured specified by an insurance applicant; insurance premium acquisition means for acquiring insurance premiums corresponding to the location information input by the input means from among the insurance premiums set by the setting means; and the insurance acquired by the insurance premium acquisition means. presenting means for presenting the premium to the insurance applicant. As a result, it is possible to notify the insurance applicant of an appropriate insurance premium with little sense of unfairness.

The invention according to claim 6 is the information processing apparatus according to claim 5, wherein the presentation means corresponds to the location information input by the input means when presenting the insurance premium to the insurance applicant. It is characterized by presenting the information about the inundation depth to the insurance applicant. As a result, it is possible to notify the insurance applicant of an appropriate insurance premium, and at the same time, allow the insurance applicant to correctly grasp the flood risk at the location of the property.

The invention according to claim 7 is the information processing apparatus according to claim 6, wherein the presenting means selects a location input by the input means from among a plurality of outside water risk categories classified according to the inundation depth. information on the external water risk category corresponding to the information, and information on the inland water risk category corresponding to the location information input by the input means among the plurality of inland water risk categories classified according to the inundation depth; is presented to the insurance applicant. This makes it possible to provide more appropriate insurance premiums from the two viewpoints of external water risk and inland water risk.

The invention according to claim 8 is the information processing apparatus according to any one of claims 1 to 7, wherein the location information is the latitude and longitude of the object.

The invention according to claim 10 is an information processing method executed by one or more computers, comprising property data including location information of each of a plurality of properties existing in a specific area, and a step of acquiring property data to which the inundation depth is assigned for each property by collating with inundation depth data indicating the expected inundation depth due to flooding; a sorting step of allocating to one of the plurality of risk categories classified according to the flood depth; and calculating a pure premium rate for each of the risk categories based on the sorting result of the sorting step. and setting insurance premiums divided into a plurality of categories based on the pure premium rate calculated for each risk category.

According to the eleventh aspect of the invention, a computer is provided with property data including location information of each of a plurality of properties existing in a specific area, and inundation depth data indicating the expected flood depth due to flooding in an area including the specific area. a property data acquiring means for acquiring property data to which the inundation depth is assigned for each of the properties, and each of the property data to which the inundation depth is assigned are divided into a plurality according to the inundation depth. allocation means for allocating to one of the risk categories among the divided risk categories; calculation means for calculating the pure insurance premium rate for each risk category based on the result of the allocation by the allocating means; It is characterized by functioning as setting means for setting insurance premiums divided into a plurality based on the calculated pure insurance premium rate.

ADVANTAGE OF THE INVENTION According to this invention, the appropriate insurance premium according to the flood risk for every property location can be set.

1 is a diagram showing a schematic configuration example of an insurance premium calculation system S; FIG. 3A is a block diagram showing an example of the schematic configuration of an insurance premium setting server 2, and FIG. 3B is a diagram showing an example of functional blocks in a system control unit 23; FIG. It is a figure which shows an example of an outside water risk classification and an inland water risk classification. 3A is a block diagram showing a schematic configuration example of an insurance contract processing server 3, and FIG. 3B is a diagram showing an example of functional blocks in a system control unit 33. FIG. 4 is a flow chart showing an example of processing of the system control unit 23 during a flood insurance premium setting operation. (A) is a matrix representation of the purity rate calculated for each combined risk category, and (B) is a matrix representation of the relative purity rate index calculated for each combined risk category. (C) is a diagram showing the pure rate difference calculated for each combined risk category in a matrix form. FIG. 10 is a conceptual diagram showing how a pure rate difference r^ _ij is obtained from an insured amount n _ij and a relative pure rate index r _ij by the Minimum Bias method. FIG. 10 is a conceptual diagram showing how the pure rate difference for each combined risk category is classified by cluster analysis and the pure rate difference is calculated for each rate category. (A) is a flowchart showing an example of the processing of the system control unit 33 when the water disaster insurance premium is presented, and (B) is a flowchart showing an example of the processing of the system control unit 23 when the water disaster insurance premium is presented. It is a flow chart.

Embodiments of the present invention will be described below with reference to the drawings. The following embodiments are embodiments in which the present invention is applied to the insurance information processing system S. FIG. In the insurance information processing system S according to the present embodiment, the flood depth data indicating the estimated flood depth due to flooding is mainly used to classify into a plurality of flood disaster risks for each property location (property location). The operation of setting insurance premiums (hereinafter referred to as “flood insurance premiums”), and when applying for insurance related to flood disasters, the insurance premiums, etc. according to the flood risk of the property location of the insurance applicant (contractor) An action of presenting to the applicant is performed. Here, the water disaster risk includes at least one of the external water risk and the inland water risk. The outside water risk means the expected outside water inundation depth due to outside water flooding. On the other hand, the inland water risk means the depth of inundation assumed by inland water flooding.

[1. Configuration and functions of insurance information processing system S]
First, the configuration and functions of an insurance information processing system S according to this embodiment will be described with reference to FIG. FIG. 1 is a diagram showing a schematic configuration example of an insurance information processing system S. As shown in FIG. As shown in FIG. 1, the insurance information processing system S includes an insurance application terminal 1, an insurance premium setting server 2, an insurance contract processing server 3, and the like. The insurance application terminal 1, insurance premium setting server 2, and insurance contract processing server 3 are each connected to a network NW. The network NW is composed of, for example, the Internet, a mobile communication network and its radio base stations. Although one insurance application terminal 1 is shown in the example of FIG. 1, there are actually a plurality of terminals. Further, the premium setting server 2 and the insurance contract processing server 3 may be configured by one server.

[1-1. Configuration and function of insurance application terminal 1]

The insurance application terminal 1 is a terminal for presenting an insurance applicant with a water damage insurance premium and the like when applying for insurance related to water damage. A user (operator) of the insurance application terminal 1 is an insurance applicant or an insurance solicitor. An insurer is a staff member of an insurance company (or its agent) who recommends an insurance application to an insurance applicant face-to-face. The insurance application terminal 1 is installed with an application (dedicated application), a web browser, and the like for accessing the insurance contract processing server 3 via the network NW and performing insurance application procedures for flood disasters. For example, a personal computer, a smartphone, a tablet, or the like can be applied to the insurance application terminal 1. For example, it has an input function that accepts operations with a human finger, pen, etc., and a display function that displays information on an insurance application screen or the like. A touch panel is provided.

[1-2. Configuration and functions of insurance premium setting server 2]
The insurance premium setting server 2 is a server for setting flood insurance premiums, and is composed of one or more computers. FIG. 2A is a block diagram showing a schematic configuration example of the premium setting server 2. As shown in FIG. As shown in FIG. 2A, the premium setting server 2 includes a communication section 21, a storage section 22, a system control section 23, and the like. The communication unit 21 has a function of connecting to the network NW and performing communication. The storage unit 22 is composed of, for example, a hard disk drive, etc., and stores an operating system, a server program (including the information processing program of the present invention), and the like. The server program may be downloaded to the premium setting server 2 from a predetermined server, or may be read from a recording medium such as a CD or DVD and stored in the storage unit 22 .

In the storage unit 22, a property database 221, a flood depth database 222, a risk category database 223, a flood insurance premium database 224, and the like are constructed. Note that these databases may be constructed in a database server separated from the premium setting server 2 . The property database 221 stores property data including location information of each of a plurality of properties existing in a specific region (for example, regions throughout Japan or prefectures). Here, the property data is, for example, data held by an insurance company, and the property indicated by the property data is, for example, the insured building (the policyholder's residence, etc.). The location information is, for example, the zip code or address of the property location, or the latitude and longitude of the property location. Note that the property data may include the structure of the property. Examples of property structures include an apartment structure (M structure), a fireproof structure (T structure), and a non-fireproof structure (H structure).

The inundation depth database 222 stores inundation depth data indicating the estimated inundation depth due to flooding in areas including the specific area. Here, the inundation depth data is, for example, data in which the inundation depth is associated with the latitude and longitude of each point in the area. The inundation depth data includes external water inundation depth data that indicates the estimated external water inundation depth due to external water inundation in areas including the above-mentioned specific areas, and internal water inundation depth that indicates the estimated inland water inundation depth in the area. and/or water immersion depth data. External water inundation depth data is obtained, for example, from flood risk area data or flood hazard maps created by the Ministry of Land, Infrastructure, Transport and Tourism, etc., and inland water inundation depth data is obtained, for example, from low-lying zone data created by the Ministry of Land, Infrastructure, Transport and Tourism, etc. is obtained.

The risk classification database 223 stores risk classification data indicating a plurality of risk classifications according to the inundation depth. Here, the risk classification data includes external water risk classification data indicating multiple external water risk classifications according to the inundation depth (external water inundation depth) and multiple risk classifications according to the inundation depth (internal water inundation depth). and/or inland water risk classification data indicating the inland water risk classification classified into . FIG. 3 is a diagram showing an example of an outside water risk category and an inland water risk category. In the example of FIG. 3, the external water risk category and the inland water risk category are each divided into five levels (1) to (5). For example, an inundation depth of 0m corresponds to external water risk category (1) and inland water risk category (1), and an inundation depth of 0m to less than 0.5m is applicable to external water risk category (2) and inland water risk category (2). falls under the external water risk category (3) and inland water risk category (3), inundation depth of 0.5 m or more and less than 2.0 m, and in the external water risk category (4) and inland water risk category (4) Inundation depth of 2.0m or more and less than 5.0m is applicable, and inundation depth of 5m or more is applicable to external water risk category (5) and inland water risk category (5).

Note that such divisions are not limited to 5 divisions, and may be 2 to 4 divisions or 6 or more divisions. In the example of Fig. 3, the same standards are used for both internal water and external water (for example, a flood depth of 0.5m will cause flooding above the floor, a flood depth of 2.0m will cause flooding to the ground below the eaves of the building, and a flood depth of 5.0m will cause flooding to the second floor of the building). Inundation up to the eaves, inundation depth of 5.0 m or more, inundation of the roof of the second floor and above) is set (that is, setting the range of inundation depth), but it is not limited to this. Water may be categorized according to different criteria. In the example of Figure 3, there are 25 risk categories related to multiple combinations of external water risk categories (1) to (5) and inland water risk categories (1) to (5) (hereinafter referred to as "combined risk categories"). It becomes a division.

The flood insurance premium database 224 stores a plurality of different flood insurance premiums set according to the flood risk for each property location. Here, the water disaster insurance premium is a business insurance premium to be paid by the insurance applicant for each predetermined period (for example, every month) after the contract is established by applying for insurance related to water disaster. Operating premiums consist of pure insurance premiums, which are part of the premium income of insurance companies and are used to pay insurance claims to insurance applicants, and supplementary insurance, which is used to cover expenses necessary for the insurance company to operate its insurance business. Consists of a fee. This embodiment is characterized by the method of calculating the pure insurance premium among the flood insurance premiums, so the description of the method of calculating the additional insurance premium and the additional insurance premium rate will be omitted.

The system control unit 23 includes a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), and the like, and executes a server program and the like on an operating system. FIG. 2B is a diagram showing an example of functional blocks in the system control unit 23. As shown in FIG. By executing a server program or the like, the system control unit 23 functions as an information acquisition unit 231, a risk classification allocation unit 232, a net rate calculation unit 233, an insurance premium setting unit 234, etc., as shown in FIG. 2(B). do. Here, the information acquisition unit 231 is an example of property data acquisition means in the present invention. The risk classification distribution unit 232 is an example of distribution means in the present invention. The pure rate calculator 233 is an example of the calculator in the present invention. Insurance premium setting unit 234 is an example of setting means in the present invention.

The information acquisition unit 231 acquires property data including location information of each of a plurality of properties existing in a specific area from the property database 221, and generates inundation depth data indicating the expected flood depth due to flooding in the area including the specific area. is obtained from the inundation depth database 222 . The acquired inundation depth data is either or both of external water inundation depth data and internal water inundation depth data. Then, the information acquisition unit 231 matches the property data of each of the plurality of properties with the inundation depth data (for example, by matching the latitude and longitude), and obtains the property data to which the inundation depth is assigned for each property. get.

The risk classification distribution unit 232 distributes each piece of property data to which the inundation depth is assigned by the information acquisition unit 231 to one of the risk classifications indicated by the risk classification data based on the inundation depth. . In other words, for each property data, the property data is associated with the risk category to which the given inundation depth corresponds. Here, when the property data to which the external water inundation depth and the internal water inundation depth are assigned is used, the risk classification distribution unit 232 assigns each of the property data to which the external water inundation depth and the internal water inundation depth are assigned to the above-mentioned It is assigned to one of the combined risk categories (for example, one of 25 categories) among the plurality of combined risk categories. This makes it possible to set more appropriate flood insurance premiums from the two viewpoints of external water risk and inland water risk. For example, in the case of property data with an external water inundation depth of 2.2 m and an inland water inundation depth of 0.6 m, in the example of Figure 3, the property data is classified into external water risk category (4) and inland water risk category (3). It will be assigned to the combination risk category with

The pure rate calculator 233 calculates a pure premium rate (hereinafter referred to as “purity rate”) for each risk category based on the results of allocation by the risk category apportioner 232 . For example, the pure rate calculator 233 calculates the risk amount for each risk category by executing a simulation using a preset water disaster risk model. This makes it possible to set a more appropriate flood insurance premium by using an appropriate rate according to the amount of risk. Here, in the flood risk model, for example, a function representing the probability distribution of the number of flood disasters occurring in a predetermined period, the damage ratio, etc. is set, and information related to property data classified into risk categories (for example, insurance coverage, number of properties, structure of properties, etc.) is input to the flood risk model, and the risk amount is obtained as its output value.

The predetermined period is a period (eg, number of years) to be simulated, and can be set to 10,000 years, 50,000 years, or 100,000 years, for example. Then, the pure rate calculation unit 233 calculates the pure rate for each risk category based on the risk amount for each risk category and the insured amount for each risk category. Here, the insured amount means, for example, the sum of the insured amounts of all valid policies of the insurance company at an arbitrary point in time. When the risk classification distribution unit 232 distributes the risk classification to the combined risk classification, the pure rate is calculated for each combined risk classification based on the distribution result. Also, the pure rate may be calculated for each risk category and property structure (for example, M structure, T structure, and H structure).

The insurance premium setting unit 234 sets a plurality of subdivided flood insurance premiums based on the loss rate calculated for each risk category by the loss rate calculation unit 233 . For example, the insurance premium rate is calculated by adding the additional insurance premium rate to the pure rate, and the flood insurance premium is calculated (set) by multiplying the insurance amount by the insurance premium rate. Here, the insured amount is the maximum amount of insurance money to be paid by the insurance company when an insured event occurs.

When the loss rate calculation unit 233 calculates the loss rate for each combined risk category, a plurality of subdivided flood insurance premiums are set based on the loss rate calculated for each of the combined risk categories. However, from the viewpoint of ease of handling and reliability of flood insurance premiums, it is desirable to aggregate the combined risk categories so that the flood insurance premiums are set for each smaller number of categories than the combined risk categories. In this case, the insurance premium setting unit 234 calculates the difference in the pure rate between each combined risk category and other combined risk categories (hereinafter referred to as "purity rate difference"), and classifies the pure rate difference by cluster analysis. Then, it is preferable to obtain the loss rate difference for each of a plurality of rate categories smaller than the combined risk category, and set the flood insurance premium for each rate category based on the loss rate difference for each rate category. This makes it possible to set a more appropriate flood insurance premium using the pure rate difference for each rate category. Note that the pure rate difference may be classified by being calculated by a statistical method other than cluster analysis.

[1-3. Configuration and functions of insurance contract processing server 3]
The insurance contract processing server 3 is a server that communicates with the insurance application terminal 1 via the network NW when applying for insurance for flood damage, and is composed of one or a plurality of computers. FIG. 4A is a block diagram showing a schematic configuration example of the insurance contract processing server 3. As shown in FIG. As shown in FIG. 4A, the insurance contract processing server 3 includes a communication section 31, a storage section 32, a system control section 33, and the like. The communication unit 31 has a function of connecting to the network NW and performing communication. The storage unit 32 is composed of, for example, a hard disk drive, etc., and stores an operating system, a server program (including the information processing program of the present invention), and the like. The server program may be downloaded to the insurance contract processing server 3 from a predetermined server, or may be read from a recording medium such as a CD or DVD and stored in the storage unit 32 .

The system control unit 33 includes a CPU, ROM, RAM, etc., and executes a server program, etc. on an operating system. FIG. 4B is a diagram showing an example of functional blocks in the system control unit 33. As shown in FIG. The system control unit 33 functions as an information input unit 331, an insurance information acquisition unit 332, an insurance information presentation unit 333, etc. as shown in FIG. 4B by executing a server program or the like. Here, the information input section 331 is an example of input means in the present invention. The insurance information acquisition unit 332 is an example of insurance premium acquisition means in the present invention. The insurance information presentation unit 333 is an example of presentation means in the present invention.

The information input unit 331 inputs (receives) the location information of the property to be insured specified by the insurance applicant at the insurance application terminal 1 from the insurance application terminal 1 via the network NW. The insurance information acquisition unit 332 obtains location information (for example, latitude and longitude) input by the information input unit 331 among the flood insurance premiums set by the insurance premium setting unit 234 of the insurance premium setting server 2. from the insurance premium setting server 2. At this time, the insurance information acquisition unit 332 obtains information (hereinafter referred to as “water disaster risk information”) on the flood risk (that is, flood depth) corresponding to the location information input by the information input unit 331 from the insurance premium setting server 2. Good to get.

The insurance information presentation unit 333 transmits the insurance information including the water damage insurance premium acquired by the insurance information acquisition unit 332 to the insurance application terminal 1 via the network NW and displays the water damage insurance premium on the insurance application screen. present insurance information to the insurance applicant, including; As a result, it is possible to notify the insurance applicant of an appropriate flood insurance premium with little sense of unfairness. Also, when the insurance premium is presented to the insurance applicant, the water disaster risk information acquired by the insurance information acquiring unit 332 may be presented to the insurance applicant. As a result, it is possible to inform the insurance applicant of an appropriate flood insurance premium and at the same time to correctly grasp the flood risk in the location of the property of the insurance applicant. In this case, the insurance information presenting unit 333 will transmit the insurance information including the flood insurance premium and the flood risk information to the insurance application terminal 1 .

The flood risk information includes information on the external water risk classification corresponding to the location information input by the information input unit 331 among the multiple external water risk classifications, and Information on the inland water risk category corresponding to the input location information may be included. Here, the information of the external water risk classification may be the level of the external water risk classification (one of (1) to (5) in the example of FIG. 3), or the inundation depth corresponding to the external water risk classification may be The information on the inland water risk category may be the level of the inland water risk category (one of (1) to (5) in the example of Fig. 3), or the inundation depth corresponding to the inland water risk category. There may be.

[2. Operation of insurance information processing system S]
Next, the operation of the insurance information processing system S according to this embodiment will be described. It is assumed that both the outside water inundation depth data and the inside water inundation depth data are used in the operation described below.

[2-1. Setting operation of flood insurance premium]
First, with reference to FIG. 5 and the like, an example of the setting operation of the water disaster insurance premium by the insurance premium setting server 2 will be described. FIG. 5 is a flow chart showing an example of the processing of the system control unit 23 during the setting operation of the water disaster insurance premium.

The processing shown in FIG. 5 is started, for example, according to an instruction from an insurance company administrator. When the process shown in FIG. 5 is started, the system control unit 23 (information acquisition unit 231) collects property information including location information (in this case, property location addresses) of a plurality of properties existing in a specific area. Data is acquired from the property database 221 (step S1). Each property data acquired in this manner is stored in a predetermined area of the RAM in the system control unit 23 . Next, the system control unit 23 (information acquisition unit 231) converts the address of the property included in each property data acquired in step S1 into latitude and longitude (step S2).

Next, the system control unit 23 (information acquisition unit 231) acquires external water inundation depth data and internal water inundation depth data from the inundation depth database 222 (step S3). The external water immersion depth data and the internal water immersion depth data acquired in this manner are stored in a predetermined area of the RAM in the system control unit 23 . Next, the system control unit 23 (information acquisition unit 231) obtains property data obtained by converting the address of the property into latitude and longitude in step S2, and external water inundation depth data and internal water inundation depth data acquired in step S3. By comparing with, each property data to which the external water inundation depth and the internal water inundation depth are assigned is acquired (step S4).

Next, the system control unit 23 (information acquisition unit 231) acquires the outside water risk category data and the inland water risk category data from the risk category database 223 (step S5). Next, the system control unit 23 (information acquisition unit 231) determines a combined risk category of the outside water risk category and the inland water risk category based on the outside water risk category data and the inland water risk category data acquired in step S5. A plurality of items are identified (step S6).

Next, the system control unit 23 (risk classification allocation unit 232) distributes each of the property data acquired in step S4 to the multiple Allocate to one of the combined risk categories (step S7). Next, the system control unit 23 (purity rate calculation unit 233) executes a simulation using the property data and the flood disaster risk model assigned to each combined risk category in step S7, thereby performing a predetermined period (simulation period) is calculated (step S8).

Next, the system control unit 23 (purity rate calculation unit 233) calculates the combined risk category based on the risk amount for a predetermined period for each combined risk category calculated in step S8 and the insured amount for each combined risk category. A purity factor is calculated for each (step S9). For example, a unit period (for example, A net rate per month or year) is calculated for each combined risk category. FIG. 6A is a matrix representation of the pure rate calculated for each combined risk category. In FIG. 6A, values in some fields are omitted (denoted as [xxxx]) (the same applies to FIGS. 6B and 6C). As shown in FIG. 6A, the higher the risk of outside water and the risk of inland water (that is, the higher the flood depth), the higher the combined risk category. The total shown in FIG. 6(A) is the overall pure rate obtained by taking the weighted average of the pure rates of all the combined risk categories (for example, the weighted average with the insured amount as the weight).

Next, the system control unit 23 (insurance premium setting unit 234) divides the purity rate for each combined risk category calculated in step S9 by the overall purity rate to obtain a relative purity rate index for each combined risk category. (=purity rate of combined risk category/total purity rate) is calculated (step S10). FIG. 6(B) is a matrix representation of the relative purity index calculated for each combined risk category. Each relative purity index is a ratio of the purity rate of the combined risk category to the overall purity rate (0.100 in the example of FIG. 6(B)).

Next, the system control unit 23 (insurance premium setting unit 234) calculates a net rate difference between each combined risk category and another combined risk category (that is, calculates a net rate difference between the combined risk categories) (step S11 ). FIG. 6(C) is a matrix representation of the pure rate difference calculated for each combined risk category. The net ratio difference of each combined risk category is preferably calculated by the Minimum Bias method using the insured amount of each combined risk category and the relative purity ratio index of each combined risk category. However, the pure rate difference of each combined risk category may be calculated by a method other than the Minimum Bias method. The Minimum Bias method is a method of obtaining rate coefficients x^ _i and y^ _j by solving the following simultaneous equations.

Here, n _ij is the insured amount of each risk class combination, and r _ij is the relative purity index of each risk class combination. r' _ij is the pure rate difference of each combination risk class, and is obtained as r' _ij =x' _i +y' _j in the addition type, and as r' _ij =x _' i xy' _j in the multiplication type. FIG. 7 is a conceptual diagram showing how the purity rate difference r^ _ij is obtained from the insured amount n _ij and the relative purity rate index r _ij by the Minimum Bias method.

It is thought that there is a certain correlation between the external water risk category and the inland water risk category (for example, the risks of both external water and inland water are higher at low altitude points than at high altitude points). negative correlations should be excluded. According to the Minimum Bias method, if there is a correlation between risk categories, the correlation can be excluded. As a method for excluding the correlation between the combined risk categories, the GLM method may be used in addition to the calculation by the Minimum Bias method, or a method other than these methods may be used.

Next, the system control unit 23 (insurance premium setting unit 234) classifies the pure rate difference for each combined risk category calculated in step S11 by cluster analysis (step S12). Next, the system control unit 23 (insurance premium setting unit 234) weights and averages the pure rate difference classified in step S12 for each premium rate category with the insured amount of each combined risk category. is calculated (that is, the pure rate difference between the rate categories is calculated) (step S13).

FIG. 8 is a conceptual diagram showing how the pure rate difference for each combined risk category is classified by cluster analysis and the pure rate difference is calculated for each rate category. In FIG. 8, as in FIG. 6C, values in some fields are omitted (denoted as [xxxx]). In the example of FIG. 8, the pure rate spread of the 25 combined risk categories is classified into 4 rate categories (Categories A to D) (that is, classified by three different thresholds), and the pure rate spread is calculated. For example, rate segment A includes pure rate ranges for seven combined risk segments (A1-A7), as shown in FIG. Note that the rate divisions are not limited to four divisions, and may be two to three divisions or five divisions or more. However, as the number of rate divisions increases, the flood insurance premiums for the end rate divisions increase, so it is desirable to set the rate divisions to about four divisions.

Next, the system control unit 23 (insurance premium setting unit 234) calculates the pure rate for each rate category by multiplying the pure rate difference for each rate category calculated in step S13 by the nationwide pure rate. (Step S14). Nationwide loss rate is set in advance. For example, the reference loss rate calculated by the General Insurance Rating Organization is revised ("Compensation details of products of insurance companies" and This is the net rate after correcting the difference in "compensation content". Next, the system control unit 23 (insurance premium setting unit 234) calculates an insurance premium rate by adding the additional insurance premium rate to the net rate for each premium rate category calculated in step S14, and multiplies the insurance amount by the insurance premium rate. Then, the flood insurance premium is set for each rate category (step S15).

The flood insurance premium set for each rate category in this way is stored in the flood insurance premium database 22 in association with each rate category. At this time, each rate classification should be stored in the flood insurance premium database 22 in association with the combined risk classifications (that is, the combined risk classifications belonging to each rate classification) on which each rate classification is based. For example, rate category A is associated with seven combined risk categories (A1 to A7). Further, the inundation depth data may be associated with the latitude and longitude of each point with a rate classification or a flood insurance premium.

Note that when the net rate is calculated for each property structure (for example, M structure, T structure, and H structure), property data is acquired for each property structure separately in step S1, and each property structure The process of steps S2 to S15 is executed using the property data acquired in step S2.

[2-2. Presentation of flood insurance premium]
Next, referring to FIG. 9, the operation of presenting the water damage insurance premium by the insurance contract processing server 3 will be described. FIG. 9A is a flow chart showing an example of the processing of the system control unit 33 when the water damage insurance premium is presented, and FIG. 9B is the processing of the system control unit 23 when the water damage insurance premium is presented. 2 is a flowchart showing an example of . The action of presenting the flood insurance premium is intended to solve the problem of informing the insurance applicant of an appropriate flood insurance premium with little sense of unfairness and of accurately grasping the flood risk in the property location of the insurance applicant. is the operation of

The processing shown in FIG. 9A is started, for example, when a request is received from the insurance application terminal 1 that has accessed the insurance contract processing server 3 . When the process shown in FIG. 9A is started, the system control unit 33 of the insurance contract processing server 3 transmits display data for displaying the insurance application screen via the communication unit 31 and the network NW. It is transmitted to the terminal 1 (step S21). As a result, the insurance application screen is displayed on the insurance application terminal 1 .

When the insurance application terminal 1 accesses the insurance contract processing server 3 through a browser, the display data is a structured document (for example, an HTML (Hyper Text Markup Language) document or an XHTML document) that constitutes the web page of the insurance application screen. etc.) data. On the other hand, when the insurance application terminal 1 accesses the insurance contract processing server 3 using a dedicated application, the display data is text data stored in the insurance application terminal 1 in advance and displayed on the insurance application screen.

When the insurance applicant designates a property to be insured on the insurance application screen thus displayed, the location information of the property is transmitted from the insurance application terminal 1 to the insurance contract processing server 3 via the network NW. The property may be specified by entering its address in the address entry field provided on the insurance application screen, or the location (latitude and corresponding to the longitude) may be specified. Alternatively, the property may be designated by entering the property name in the property name input field provided on the insurance application screen, and in this case, the address is retrieved from the property name.

The system control unit 33 (information input unit 331) inputs the location information (the address of the property location or the latitude and longitude of the property location) received from the insurance application terminal 1 through the communication unit 31 (step S22). Next, the system control unit 33 (insurance information acquisition unit 332) transmits a request including the location information input in step S22 to the insurance premium setting server 2 via the communication unit 31 and network NW (step S23).

On the other hand, when the system control unit 23 of the insurance premium setting server 2 receives the request including the location information from the insurance contract processing server 3, it starts the processing shown in FIG. 9(B). When the process shown in FIG. 9B is started, the system control unit 23 acquires the external water inundation depth data and the internal water inundation depth data from the inundation depth database 222 (step S31). Next, the system control unit 23 acquires the outside water risk category data and the inland water risk category data from the risk category database 223 (step S32).

Next, the system control unit 23 refers to the external water inundation depth data and the internal water inundation depth data acquired in step S31, and determines the location of the property specified by the location information (for example, latitude and longitude) included in the request. The external water immersion depth and the internal water immersion depth are specified (step S33). If the location information is an address, it is preferable that the external water inundation depth and the internal water inundation depth associated with the latitude and longitude are specified after the address is converted into latitude and longitude.

Next, the system control unit 23 refers to the outside water risk category data and the inland water risk category data acquired in step S32, the outside water risk category to which the outside water inundation depth specified in step S33 corresponds, and step The inland water risk category to which the inundation depth specified in S33 corresponds is specified (step S34). Next, the system control unit 23 identifies a combined risk category associated with the combination of the outside water risk category and the inland water risk category identified in step S34 (step S35).

Next, the system control unit 23 acquires, from the flood insurance premium database 224, the water disaster insurance premium of the rate classification associated with the combined risk classification identified in step S35 (that is, the premium rate classification to which the combined risk classification belongs) (step S36). Next, the system control unit 23 acquires water disaster risk information including information on the external water risk category and the inland water risk category specified in step S34 (step S37). Next, the system control unit 23 converts the insurance information including the flood insurance premium acquired in step S36 and the flood disaster risk information acquired in step S37 into the communication unit as insurance information corresponding to the location information included in the request. 21 and the network NW to the insurance contract processing server 3 (step S38).

When the system control unit 33 (insurance information acquisition unit 332) of the insurance contract processing server 3 receives (acquires) the insurance information corresponding to the location information from the insurance premium setting server 2 (step S24), the system control unit 33 (insurance information The presentation unit 333) transmits the acquired insurance information to the insurance application terminal 1 via the communication unit 31 and the network NW (step S25). As a result, the insurance premium and flood risk information corresponding to the location information are displayed on the insurance application screen of the insurance application terminal 1 and presented to the insurance applicant. Note that the insurance contract processing server 3 may execute the processing shown in FIG. 9B by enabling the insurance contract processing server 3 to directly access the databases 222 to 224 .

As described above, according to the above-described embodiment, the insurance premium setting server 2 includes property data including location information of each of a plurality of properties existing in a specific area, By collating the inundation depth data that indicates the inundation depth in each property, property data with the inundation depth assigned is acquired, and each property data with the inundation depth assigned is divided into multiple categories according to the inundation depth. Allocated to one of the risk categories, calculated the net rate for each risk category based on the allocation results, and divided into multiple categories based on the net rate calculated for each risk category Since it is configured to set the premium, it is possible to set an appropriate flood insurance premium according to the flood risk for each property location. That is, since the water disaster insurance premium can be subdivided according to the water disaster risk, it is possible to eliminate the unfairness of the insurance applicant's burden of the water disaster insurance premium.

In addition, according to the above embodiment, the insurance contract processing server 3 inputs the location information of the property to be insured specified by the insurance applicant, and sets a plurality of water disaster risks classified according to the water disaster risk. Of the insurance premiums, the flood insurance premium corresponding to the above-input location information is acquired and presented to the insurance applicant, so that the insurance applicant can receive an appropriate flood insurance premium with little unfairness. It can inform and expedite the conclusion of the insurance contract. Further, the insurance contract processing server 3 is configured to present the insurance applicant with the flood risk information corresponding to the above-input location information when presenting the insurance applicant with the insurance premium. It is possible to inform the appropriate flood insurance premium to the insurance applicant and at the same time to correctly grasp the flood risk in the property location of the insurance applicant. In other words, through the insurance procedure, the insurance company can inform the insurance applicant of the flood risk and the flood insurance premiums corresponding to the flood risk, and furthermore, can promote disaster prevention measures.

Although one embodiment of the present invention has been described as above, the present invention is not limited to the above-described embodiment, and various modifications can be made to the above-described embodiment without departing from the scope of the present invention. may be used, and that case is also included in the technical scope of the present invention. In the above-described embodiment, the present invention is applied when setting the flood insurance premium, but the present invention can be applied to disaster insurance premiums other than the flood insurance premium. For example, in the above embodiment, in addition to the flood risk (or instead of the flood risk), the insurance premium is set according to at least one of the landslide risk and storm surge risk on the hazard map, and the insurance applicant It is also possible to acquire disaster insurance premiums corresponding to the location information entered by the , and present them to the insurance applicant. For example, in the case of the risk of landslides, "depth of inundation" is read as "degree of risk (or amount of sedimentation)", and "depth of inundation data indicating the estimated depth of inundation due to flooding" is replaced with "estimated risk of landslides". shall be read as "risk data shown". On the other hand, in the case of storm surge risk, "inundation depth data indicating the assumed inundation depth due to flooding" shall be read as "inundation depth data indicating the assumed inundation depth due to storm surge".

1 Insurance Application Terminal 2 Insurance Premium Setting Server 3 Insurance Contract Processing Server 21 Communication Unit 22 Storage Unit 23 System Control Unit 231 Information Acquisition Unit 232 Risk Classification Unit 233 Net Rate Calculation Unit 234 Insurance Premium Setting Unit 31 Communication Unit 32 Storage Unit 33 System control unit 331 Information input unit 332 Insurance information acquisition unit 333 Insurance information presentation unit S Insurance information processing system NW Network

Claims (10)

By collating property data including location information of each of a plurality of properties existing in a specific area with inundation depth data indicating the expected depth of flooding due to flooding in an area including the specific area, property data acquisition means for acquiring property data to which the inundation depth is assigned;
an allocation means for allocating each piece of property data to which the inundation depth is assigned to one of a plurality of risk categories classified according to the inundation depth;
calculation means for calculating a pure premium rate for each of the risk categories based on the results of allocation by the allocation means;
setting means for setting insurance premiums divided into a plurality of categories based on the pure insurance premium rate calculated for each risk category;
An information processing device comprising: The calculation means calculates the risk amount for each risk category by executing a simulation using a preset flood risk model, and based on the calculated risk amount and the insured amount for each risk category 2. The information processing apparatus according to claim 1, wherein said pure premium rate is calculated for each of said risk categories. The setting means calculates a difference in the pure insurance premium rate for each of the risk categories and the other risk categories, and classifies the difference in the pure insurance premium rate by cluster analysis to obtain a plurality of premium rates less than the risk category. 3. The method according to claim 1 or 2, wherein the difference in the pure premium rate for each category is obtained, and the insurance premiums divided into the plurality of categories are set based on the difference in the pure premium rate for each rate category. Information processing equipment. The property data acquisition means provides external water inundation depth data indicating the expected external water inundation depth in the area and inland water inundation depth indicating the expected inland water inundation depth in the area. acquiring property data to which the external water inundation depth and the internal water inundation depth are assigned to each of the properties by collating each of the data with the property data;
The sorting means divides each of the property data to which the external water inundation depth and the internal water inundation depth have been assigned into a plurality of external water risk categories according to the inundation depth, and Allocating to one of the risk categories associated with a plurality of combinations with a plurality of inland water risk categories,
The calculation means calculates a pure insurance premium rate for each of the risk categories related to the combination based on the allocation result of the allocation means;
4. The setter according to any one of claims 1 to 3, wherein said setting means sets insurance premiums divided into a plurality of categories based on a pure premium rate calculated for each of said risk categories relating to said combination. information processing equipment. an input means for inputting location information of a property to be insured specified by an insurance applicant;
insurance premium acquisition means for acquiring insurance premiums corresponding to the location information input by the input means from among the insurance premiums set by the setting means;
presentation means for presenting the insurance premium acquired by the insurance premium acquisition means to the insurance applicant;
5. The information processing apparatus according to any one of claims 1 to 4, further comprising: Said presentation means presents said insurance applicant with information on said inundation depth corresponding to location information input by said input means when presenting said insurance premium to said insurance applicant. Item 6. The information processing apparatus according to item 5. The presenting means provides information on the external water risk classification corresponding to the location information input by the input means, among a plurality of external water risk classifications classified according to the inundation depth, and a plurality of external water risk classifications according to the inundation depth. and information on the inland water risk classification corresponding to the location information input by the input means, among the inland water risk classifications divided into the above, is presented to the insurance applicant. The information processing device according to claim 6 . 8. The information processing apparatus according to claim 1, wherein said location information is latitude and longitude of said property. An information processing method executed by one or more computers, comprising:
By collating property data including location information of each of a plurality of properties existing in a specific area with inundation depth data indicating the expected depth of flooding due to flooding in an area including the specific area, a step of acquiring property data to which the inundation depth is assigned;
a sorting step of sorting each piece of property data to which the inundation depth is assigned to one of a plurality of risk categories classified according to the inundation depth;
a step of calculating a pure premium rate for each of the risk categories based on the allocation result of the allocation step;
setting insurance premiums divided into a plurality of categories based on the pure premium rate calculated for each risk category;
An information processing method comprising: the computer,
By collating property data including location information of each of a plurality of properties existing in a specific area with inundation depth data indicating the expected depth of flooding due to flooding in an area including the specific area, property data acquisition means for acquiring property data to which the inundation depth is assigned;
an allocation means for allocating each piece of property data to which the inundation depth is assigned to one of a plurality of risk categories classified according to the inundation depth;
calculation means for calculating a pure premium rate for each of the risk categories based on the results of allocation by the allocation means;
An information processing program characterized by functioning as setting means for setting insurance premiums divided into a plurality of categories based on the pure premium rates calculated for each of the risk categories.

Images