JP7606565B2 - Information processing device, information processing method, and information processing program - Google Patents

Description

Article 30, paragraph 2 of the Patent Act applies Publisher: 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/ Published date: January 9, 2020 [Publication, etc.] Website address https://www.nikkei.com/article/DGXZZO54225640Z00C20A1000000/ rakuten-sonpo. co. jp/news/tabid/85/Default. aspx? itemid=423&dispmid=753 Posting date: January 9, 2020

The present invention relates to the technical field of systems that calculate flood insurance premiums according to flood risk.

Methods have been proposed for calculating a rational net insurance premium that is allocated to paying insurance claims to policyholders from an insurance company's insurance premium income. For example, the technology disclosed in Patent Document 1 calculates a final integrated risk distribution based on the term structure and product structure of the loss ratio and occurrence probability for each risk factor of fire, earthquake, and flood, and calculates the net insurance premium by taking into account the risk tolerance corresponding to the insurer's risk-adjusted rate of return. In this way, by comprehensively covering all risk factors rather than individual risk factors, it is possible to rationally reduce the net insurance premium.

JP 2002-373259 A

By the way, the pure insurance premium rate for flood damage is a uniform rate for the whole country for each structural class, but there is a problem that the policyholder feels that it is unfair that, for example, a house along a river and a house on high ground have to pay the same insurance premium. This problem cannot be solved by the technology disclosed in Patent Document 1.

The present invention has been made in consideration of the above points, and one of its objectives is to provide an information processing device, information processing method, and information processing program that can inform a policyholder of an appropriate insurance premium while allowing the policyholder to correctly understand the flood risk at the location of the policyholder's property.

In order to solve the above problem, the invention described in claim 1 includes an input means for inputting location information of an insured property designated by an insurance applicant, a flood depth data acquisition means for acquiring, from a flood depth database, external water inundation depth data indicating the external water inundation depth estimated in a specified area due to external water flooding and internal water inundation depth data indicating the internal water inundation depth estimated in the specified area due to internal water flooding, a risk classification data acquisition means for acquiring, from a risk classification database, external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth and internal water risk classification data indicating the internal water risk classifications divided into a plurality of categories according to the internal water inundation depth, and a risk classification data acquisition means for acquiring, by referring to the external water inundation depth data and the internal water inundation depth data acquired by the flood depth data acquisition means, a property specified by the location information input by the input means. The insurance system is characterized by comprising: inundation depth specifying means for specifying the external water inundation depth and inland water inundation depth of the location, risk category specifying means for specifying the external water risk category to which the external water inundation depth specified by the inundation depth specifying means corresponds and the inland water risk category to which the inland water inundation depth specified by the inundation depth specifying means corresponds by referring to the external water risk category data and the inland water risk category data acquired by the risk category data acquisition means, insurance premium acquisition means for acquiring an insurance premium corresponding to the location information input by the input means from among a plurality of insurance premiums classified according to flood risk, and presentation means for simultaneously presenting to the insurance applicant the insurance premium acquired by the insurance premium acquisition means, information on the external water risk category specified by the risk category specification means, and information on the inland water risk category specified by the risk category specification means. This allows the insurance applicant to be informed of an appropriate insurance premium while at the same time being able to correctly grasp the flood risk at the location of the insurance applicant's property.

The invention described in claim 2 is characterized in that, in the information processing device described in claim 1, the information on the external flood risk category is the level of the external flood risk category, and the information on the inland flood risk category is the level of the inland flood risk category.

The invention described in claim 3 is characterized in that in the information processing device described in claim 1 or 2, the insurance premium acquisition means acquires an insurance premium corresponding to a combined risk category relating to a combination of the external flood risk category corresponding to the location information input by the input means and the inland flood risk category corresponding to the location information input by the input means.

The invention described in claim 4 is characterized in that, in the information processing device described in claim 3, the insurance premiums corresponding to the combined risk categories are insurance premiums divided into multiple categories based on the pure insurance premium rate calculated for each combined risk category.

The invention described in claim 5 is characterized in that in the information processing device described in any one of claims 1 to 4, the insurance premium acquisition means acquires an insurance premium corresponding to the location information input by the input means, and corresponds to the structure of the insured property from among the insurance premiums calculated for each property structure.

The invention described in claim 6 is an information processing method executed by one or more computers, comprising the steps of: inputting location information of a property to be insured designated by an insurance applicant; acquiring, from a flood depth database, external water inundation depth data indicating the external water inundation depth estimated to be caused by external water flooding in a specified area and internal water inundation depth data indicating the internal water inundation depth estimated to be caused by internal water flooding in the specified area; acquiring, from a risk classification database, external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth and internal water risk classification data indicating internal water risk classifications divided into a plurality of categories according to the internal water inundation depth; The method includes the steps of: referring to flood depth data to identify the external water inundation depth and inland water inundation depth of the property location identified by the input location information; referring to the acquired external water risk classification data and inland water risk classification data to identify the external water risk classification to which the identified external water inundation depth corresponds and the inland water risk classification to which the identified inland water inundation depth corresponds; acquiring an insurance premium corresponding to the input location information from among insurance premiums classified into a plurality of categories according to flood risk; and presenting the acquired insurance premium, information on the identified external water risk classification, and information on the identified inland water risk classification to the insurance applicant simultaneously.

The invention described in claim 7 is a computer comprising an input means for inputting location information of an insured property designated by an insurance applicant, a flood depth data acquisition means for acquiring from a flood depth database external water inundation depth data indicating the external water inundation depth estimated in a specified area due to external water flooding and internal water inundation depth data indicating the internal water inundation depth estimated in the specified area due to internal water flooding, a risk classification data acquisition means for acquiring from a risk classification database external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth and internal water risk classification data indicating internal water risk classifications divided into a plurality of categories according to the internal water inundation depth, and a risk classification data acquisition means for acquiring from a risk classification database external water inundation risk classification data indicating external water inundation risk classifications divided into a plurality of categories according to the internal water inundation depth, and a property location information acquisition means for acquiring, by referring to the external water inundation depth data and the internal water inundation depth data acquired by the flood depth data acquisition means, ... The system is characterized by functioning as a flood depth identification means for identifying the external water inundation depth and the inland water inundation depth, a risk category identification means for referring to the external water risk category data and the inland water risk category data acquired by the risk category data acquisition means to identify the external water risk category to which the external water inundation depth identified by the inundation depth identification means corresponds and the inland water risk category to which the inland water inundation depth identified by the inundation depth identification means corresponds, an insurance premium acquisition means for acquiring an insurance premium corresponding to the location information input by the input means from among a plurality of insurance premiums classified according to flood risk, and a presentation means for simultaneously presenting to the insurance applicant the insurance premium acquired by the insurance premium acquisition means, information on the external water risk category identified by the risk category identification means, and information on the inland water risk category identified by the risk category identification means.

The present invention allows insurance applicants to be informed of appropriate insurance premiums and at the same time correctly understand the flood risk in the location of the applicant's property.

1 is a diagram showing an example of the general configuration of an insurance premium calculation system S. 1A is a block diagram showing an example of the general configuration of an insurance premium setting server 2, and FIG. 1B is a diagram showing an example of functional blocks in a system control unit 23. FIG. FIG. 1 is a diagram showing an example of external flood risk classification and inland flood risk classification. 1A is a block diagram showing an example of a schematic configuration of the insurance contract processing server 3, and FIG. 1B is a diagram showing an example of a functional block in the system control unit 33. FIG. 10 is a flowchart showing an example of the processing of the system control unit 23 during a flood insurance premium setting operation. (A) is a diagram showing, in a matrix, the net rate calculated for each combined risk category, (B) is a diagram showing, in a matrix, the relative net rate index calculated for each combined risk category, and (C) is a diagram showing, in a matrix, the net rate difference calculated for each combined risk category.

FIG. 1 is a conceptual diagram showing how the net rate difference r^ _ij is calculated from the amount of insurance in force n _ij and the relative net rate index r _ij using the Minimum Bias method. FIG. 13 is a conceptual diagram showing how the net rate difference for each combined risk category is classified by cluster analysis and the net rate difference is calculated for each rate category. 10A is a flowchart showing an example of the processing of the system control unit 33 during the operation of presenting the flood insurance premium, and FIG. 10B is a flowchart showing an example of the processing of the system control unit 23 during the operation of presenting the flood insurance premium.

The following describes an embodiment of the present invention with reference to the drawings. The following embodiment is an embodiment in which the present invention is applied to an insurance information processing system S. In the insurance information processing system S according to this embodiment, the main operations are to set insurance premiums (hereinafter referred to as "flood insurance premiums") divided into multiple categories according to the flood risk for each property location (location of the property) using flood depth data indicating the expected flood depth due to flooding, and to present to the insurance applicant (policyholder) the flood insurance premiums etc. according to the flood risk of the property location of the insurance applicant (policyholder) when applying for insurance related to flooding. Here, flood risk includes at least one of external flood risk and internal flood risk. External flood risk means the expected external flood depth due to external flooding. On the other hand, internal flood risk means the expected internal flood depth due to internal flooding.

[1. Configuration and Function of Insurance Information Processing System S]
First, the configuration and functions of the insurance information processing system S according to this embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of a schematic configuration of the insurance information processing system S. As shown in Fig. 1, the insurance information processing system S is configured to include an insurance application terminal 1, an insurance premium setting server 2, and an insurance contract processing server 3. The insurance application terminal 1, the insurance premium setting server 2, and the insurance contract processing server 3 are each connected to a network NW. The network NW is configured, for example, from the Internet, a mobile communication network, and its wireless base stations. Note that, although one insurance application terminal 1 is shown in the example of Fig. 1, multiple insurance application terminals 1 actually exist. Furthermore, the insurance premium setting server 2 and the insurance contract processing server 3 may be configured by a single server.

[1-1. Configuration and Functions of Insurance Application Terminal 1]
The insurance application terminal 1 is a terminal for presenting flood insurance premiums and the like to an insurance applicant when applying for insurance related to flood damage. The user (operator) of the insurance application terminal 1 is the insurance applicant or the insurance solicitor. An insurance agent is a staff member of an insurance company (or its agency) who recommends the insurance application to the insurance applicant in person. An application (dedicated application) and a web browser, etc. are installed on the insurance application terminal 1 for accessing the insurance contract processing server 3 via the network NW and carrying out the application procedure for insurance related to flood damage. For example, a personal computer, a smartphone, a tablet, etc. can be applied to the insurance application terminal 1, and the terminal is provided with a touch panel having an input function for accepting operations by a human finger, a pen, etc., and a display function for displaying information on an insurance application screen, etc.

[1-2. Configuration and Functions of Insurance Premium Setting Server 2]
The insurance premium setting server 2 is a server that sets flood insurance premiums, and is composed of one or more computers. FIG. 2(A) is a block diagram showing an example of a schematic configuration of the insurance premium setting server 2. As shown in FIG. 2(A), the insurance premium setting server 2 includes a communication unit 21, a storage unit 22, and a system control unit 23. The communication unit 21 has a function of connecting to the network NW and communicating. The storage unit 22 is composed of, for example, a hard disk drive, 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 from a predetermined server to the insurance premium setting server 2, 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 classification database 223, a flood insurance premium database 224, etc. are constructed. These databases may be constructed in a database server separate from the insurance 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, the entire region of Japan or a prefecture region). Here, the property data is, for example, data held by an insurance company, and the property indicated in the property data is, for example, an insured building (such as the residence of the policyholder). The location information is, for example, the postal code or address of the property location, or the latitude and longitude of the property location. The property data may also include the structure of the property. Examples of the structure of the property include an apartment structure (M structure), a fireproof structure (T structure), and a non-fireproof structure (H structure).

Flood depth database 222 stores flood depth data indicating the expected flood depth due to flooding in areas including the specific area. Here, the flood depth data is, for example, data in which the flood depth is associated with the latitude and longitude of each point in the area. The flood depth data includes both or either one of external water flood depth data indicating the expected external water flood depth due to external water flooding in areas including the specific area, and internal water flood depth data indicating the expected internal water flood depth due to internal water flooding in the area. Note that the external water flood depth data is obtained, for example, from flood expected area data or flood hazard maps created by the Ministry of Land, Infrastructure, Transport and Tourism, etc., and the internal water flood depth data is obtained, for example, from low-level zone data created by the Ministry of Land, Infrastructure, Transport and Tourism, etc.

The risk category database 223 stores risk category data indicating multiple risk categories divided according to flood depth. Here, the risk category data includes both or either one of external water risk category data indicating multiple external water risk categories divided according to flood depth (external water inundation depth) and inland water risk category data indicating multiple inland water risk categories divided according to flood depth (inland water inundation depth). Figure 3 is a diagram showing an example of external water risk categories and inland water risk categories. In the example of Figure 3, the external water risk categories and inland water risk categories are each divided into five levels, (1) to (5). For example, external water risk category (1) and inland water risk category (1) correspond to a flood depth of 0 m, external water risk category (2) and inland water risk category (2) correspond to a flood depth of more than 0 m and less than 0.5 m, external water risk category (3) and inland water risk category (3) correspond to a flood depth of 0.5 m or more and less than 2.0 m, external water risk category (4) and inland water risk category (4) correspond to a flood depth of 2.0 m or more and less than 5.0 m, and external water risk category (5) and inland water risk category (5) correspond to a flood depth of 5 m or more.

The number of such classifications is not limited to five, but may be two to four, or six or more. In the example of Figure 3, classifications (i.e., setting the range of flood depths) are set based on the same criteria for inland water and outside water (for example, flooding above floor level at a flood depth of 0.5 m, flooding up to the eaves of the first floor of a building at a flood depth of 2.0 m, flooding up to the eaves of the second floor of a building at a flood depth of 5.0 m, and flooding above the second floor roof at a flood depth of 5.0 m), but this is not limited to this, and inland water and outside water may be classified based on different criteria. In the example of Figure 3, there are 25 risk classifications (hereinafter referred to as "combined risk classifications") for multiple combinations of outside water risk classifications (1) to (5) and inland water risk classifications (1) to (5).

The flood insurance premium database 224 stores multiple different flood insurance premiums set according to the flood risk for each property location. Here, flood insurance premiums are commercial insurance premiums that must be paid by the insurance applicant at specified intervals (e.g., once a month) after a contract is concluded by applying for flood insurance. Commercial insurance premiums consist of net insurance premiums that are allocated from the insurance company's insurance premium income to pay insurance claims to insurance applicants, and additional insurance premiums that are allocated to necessary expenses, etc. for the insurance company to operate its insurance business. Note that in this embodiment, the method of calculating the net insurance premium is particularly unique among flood insurance premiums, so an explanation of the calculation method of the additional insurance premium and additional insurance premium rate will be omitted.

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

The information acquisition unit 231 acquires property data including location information for each of a number of properties in a specific area from the property database 221, and acquires flood depth data indicating the estimated flood depth due to flooding in an area including the specific area from the flood depth database 222. The acquired flood depth data is either or both of external water flood depth data and internal water flood depth data. The information acquisition unit 231 then matches the property data for each of the multiple properties with the flood depth data (for example, by latitude and longitude) to acquire property data with flood depth assigned to each property.

The risk classification allocation unit 232 allocates each piece of property data to which a flood depth has been assigned by the information acquisition unit 231 to one of the risk classifications indicated by the risk classification data, based on the flood depth. In other words, for each piece of property data, the property data is associated with the risk classification to which the assigned flood depth corresponds. Here, when using property data to which an exterior water flood depth and an interior water flood depth have been assigned, the risk classification allocation unit 232 allocates each piece of property data to which an exterior water flood depth and an interior water flood depth have been assigned to one of the multiple combined risk classifications described above (for example, one of the 25 classifications). This makes it possible to set more appropriate flood insurance premiums from the two perspectives of exterior water risk and interior water risk. For example, if the property data is assigned an external flood depth of 2.2 m and an internal flood depth of 0.6 m, in the example of Figure 3, the property data will be classified into a combined risk category of external flood risk category (4) and internal flood risk category (3).

The net rate calculation unit 233 calculates a net insurance premium rate (hereinafter referred to as a "net rate") for each risk category based on the allocation results by the risk category allocation unit 232. For example, the net rate calculation unit 233 calculates the amount of risk for each risk category by executing a simulation using a preset flood risk model. This makes it possible to set a more appropriate flood insurance premium using an appropriate net rate according to the amount of risk. Here, the flood risk model is set with a function that represents the probability distribution of, for example, the number of floods occurring in a specified period and the damage ratio, and information related to the property data allocated to the risk category (for example, the subject of insurance, the number of properties, the structure of the properties, etc.) is input into the flood risk model, and the risk amount is obtained as its output value.

The specified period is the period (e.g., years) that is the subject of the simulation, and can be set to, for example, 10,000 years, 50,000 years, or 100,000 years. The net rate calculation unit 233 then calculates the net rate for each risk category based on the risk amount for each risk category and the insurance amount held for each risk category. Here, the insurance amount held means, for example, the total amount of insurance for all valid contracts of the insurance company at any point in time. When the risk category allocation unit 232 allocates to combined risk categories, the net rate is calculated for each combined risk category based on the allocation results. The net rate may also be calculated for each risk category and for each structure of the property (e.g., M structure, T structure, H structure).

The insurance premium setting unit 234 sets flood insurance premiums divided into multiple categories based on the net rate calculated for each risk category by the net rate calculation unit 233. For example, the insurance premium rate is calculated by adding the additional insurance premium rate to the net rate, and the flood insurance premium is calculated (set) by multiplying the insurance amount by this insurance premium rate. Here, the insurance amount is the maximum amount of insurance money that the insurance company will pay if an insured accident occurs.

When the net rate calculation unit 233 calculates the net rate for each combined risk category, flood insurance premiums are set in a number of categories based on the net rate calculated for each combined risk category. However, from the viewpoint of ease of handling and reliability of flood insurance premiums, it is desirable to set flood insurance premiums for a number of categories fewer than the combined risk categories by aggregating the combined risk categories. In this case, the premium setting unit 234 calculates the difference in net rate between each combined risk category and other combined risk categories (hereinafter referred to as the "net rate difference"), classifies the net rate difference by cluster analysis, and obtains the net rate difference for each of a number of rate categories that are fewer than the combined risk category, and sets the flood insurance premium for each rate category based on the net rate difference for each rate category. In this way, a more appropriate flood insurance premium can be set using the net rate difference for each rate category. Note that the net rate difference may be classified by calculation using 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 related to flood damage, and is composed of one or more computers. FIG. 4(A) is a block diagram showing an example of a schematic configuration of the insurance contract processing server 3. As shown in FIG. 4(A), the insurance contract processing server 3 includes a communication unit 31, a storage unit 32, and a system control unit 33. The communication unit 31 has a function of connecting to the network NW and communicating. The storage unit 32 is, for example, a hard disk drive, 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 from a predetermined server to the insurance contract processing server 3, 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 server programs, etc. on an operating system. FIG. 4(B) is a diagram showing an example of functional blocks in the system control unit 33. By executing server programs, etc., 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. 4(B). Here, the information input unit 331 is an example of the input means in the present invention. The insurance information acquisition unit 332 is an example of the insurance premium acquisition means in the present invention. The insurance information presentation unit 333 is an example of the presentation means in the present invention.

The information input unit 331 inputs (receives) 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 acquires, from the insurance premium setting server 2, the flood insurance premium corresponding to the location information (e.g., latitude and longitude) input by the information input unit 331, from among the flood insurance premiums set in multiple categories by the insurance premium setting unit 234 of the insurance premium setting server 2. At this time, the insurance information acquisition unit 332 may acquire information (hereinafter referred to as "flood risk information") relating to flood risk (i.e., flood depth) corresponding to the location information input by the information input unit 331 from the insurance premium setting server 2.

The insurance information presentation unit 333 presents the insurance information including the flood insurance premium to the insurance applicant by transmitting the insurance information including the flood insurance premium acquired by the insurance information acquisition unit 332 via the network NW to the insurance application terminal 1 and displaying it on the insurance application screen. This makes it possible to inform the insurance applicant of an appropriate flood insurance premium that does not seem unfair. In addition, when the flood insurance premium is presented to the insurance applicant, it is preferable that the flood risk information acquired by the insurance information acquisition unit 332 is presented to the insurance applicant. This makes it possible to inform the insurance applicant of an appropriate flood insurance premium and at the same time allow the insurance applicant to correctly understand the flood risk at the location of the insurance applicant's property. In this case, the insurance information presentation unit 333 transmits the insurance information including the flood insurance premium and flood risk information to the insurance application terminal 1.

The flood risk information may include information on an external water risk category that corresponds to the location information input by the information input unit 331 among a plurality of external water risk categories, and information on an inland water risk category that corresponds to the location information input by the information input unit 331 among a plurality of inland water risk categories. Here, the information on the external water risk category may be the level of the external water risk category (any of (1) to (5) in the example of Figure 3) or the inundation depth corresponding to the external water risk category. The information on the inland water risk category may be the level of the inland water risk category (any of (1) to (5) in the example of Figure 3) or the inundation depth corresponding to the inland water risk category.

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

[2-1. Flood insurance premium setting operation]
First, an example of the operation of setting flood insurance premiums by the insurance premium setting server 2 will be described with reference to Fig. 5 etc. Fig. 5 is a flow chart showing an example of the processing of the system control unit 23 during the operation of setting flood insurance premiums.

The process shown in FIG. 5 is started, for example, in response 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) acquires property data including location information (here, the addresses of the property locations) of multiple properties located in a specific area from the property database 221 (step S1). Each piece of property data acquired in this way is stored in a specified 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 piece of property data acquired in step S1 into latitude and longitude (step S2).

Next, the system control unit 23 (information acquisition unit 231) acquires the external water inundation depth data and the internal water inundation depth data from the inundation depth database 222 (step S3). The external water inundation depth data and the internal water inundation 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) acquires each property data item to which the external water inundation depth and the internal water inundation depth have been assigned by matching each property data item in which the property address has been converted into latitude and longitude in step S2 with the external water inundation depth data and the internal water inundation depth data acquired in step S3 (step S4).

Next, the system control unit 23 (information acquisition unit 231) acquires external water risk classification data and inland water risk classification data from the risk classification database 223 (step S5). Next, the system control unit 23 (information acquisition unit 231) identifies multiple combined risk classifications of external water risk classifications and inland water risk classifications based on the external water risk classification data and inland water risk classification data acquired in step S5 (step S6).

Next, the system control unit 23 (risk category allocation unit 232) allocates each of the property data acquired in step S4 to one of the multiple combined risk categories identified in step S6 based on the external water inundation depth and internal water inundation depth (step S7). Next, the system control unit 23 (net rate calculation unit 233) calculates the amount of risk for a specified period (the period covered by the simulation) for each combined risk category by running a simulation using the property data allocated to each combined risk category in step S7 and the flood risk model (step S8).

Next, the system control unit 23 (net rate calculation unit 233) calculates a net rate for each combined risk category based on the risk amount for the predetermined period for each combined risk category calculated in step S8 and the insurance amount held for each combined risk category (step S9). For example, the net rate per unit period (e.g., one month or one year) is calculated for each combined risk category by dividing the value calculated by dividing the risk amount for the predetermined period by the insurance amount held (= risk amount for the predetermined period / insurance amount held) by the above-mentioned predetermined period. Figure 6 (A) is a diagram showing the net rate calculated for each combined risk category in a matrix. In Figure 6 (A), values in some fields are omitted (denoted as [xxxx]) (the same applies to Figures 6 (B) and 6 (C)). As shown in Figure 6 (A), the net rate is higher for combined risk categories with higher external flood risk and internal flood risk (i.e., larger flood depth). The overall total shown in Figure 6 (A) is the overall net rate obtained by taking a weighted average (e.g., a weighted average using the amount of insurance coverage as the weight) of the net rates of all combined risk categories.

Then, the system control unit 23 (insurance premium setting unit 234) calculates a relative purity rate index (= purity rate of combined risk category/overall purity rate) for each combined risk category by dividing the purity rate for each combined risk category calculated in step S9 by the overall purity rate (step S10). Figure 6 (B) is a diagram showing the relative purity rate index calculated for each combined risk category in a matrix. Each relative purity rate index is the ratio of the purity rate of the combined risk category to the overall purity rate (0.100 in the example of Figure 6 (B)).

Next, the system control unit 23 (insurance premium setting unit 234) calculates the net rate difference between each combined risk category and other combined risk categories (i.e., calculates the net rate difference between the combined risk categories) (step S11). FIG. 6(C) is a diagram showing the net rate difference calculated for each combined risk category in a matrix. The net rate difference for each combined risk category may be calculated by the Minimum Bias method using the insurance amount in force for each combined risk category and the relative net rate index for each combined risk category. However, the net rate difference for each combined risk category may be calculated by a method other than the Minimum Bias method. The Minimum Bias method is a method for finding the rate coefficients x^i and y^j by solving the following simultaneous equations.

Here, n _ij is the insurance amount in force for each combined risk category, and r _ij is the relative pure rate index for each combined risk category. r^ _ij is the pure rate difference for each combined risk category, and is calculated as r^ _ij = x^ _i + y^ _j in the additive type, and as r^ _ij = x^ _i × y^ _j in the multiplicative type. Figure 7 is a conceptual diagram showing how the pure rate difference r^ _ij is calculated from the insurance amount in force n _ij and the relative pure rate index r _ij using the Minimum Bias method.

It is thought that there is a certain correlation between external flood risk categories and inland flood risk categories (for example, both external and inland flood risks are higher at low altitudes than at high altitudes), but it is desirable to eliminate such correlations. The Minimum Bias method makes it possible to eliminate correlations between risk categories when they exist. As a method for eliminating correlations between combined risk categories, in addition to calculations using the Minimum Bias method, the GLM method may be used, or a method other than these may be used.

Next, the system control unit 23 (insurance premium setting unit 234) classifies the net 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) calculates the net rate difference for each rate category by weighting the net rate difference classified in step S12 by the insurance amount held for each combined risk category (i.e., calculates the net rate difference between rate categories) (step S13).

Figure 8 is a conceptual diagram showing how the net rate difference for each combined risk category is classified by cluster analysis and the net rate difference is calculated for each rate category. In Figure 8, as in Figure 6 (C), values in some fields are omitted (denoted as [xxxx]). In the example of Figure 8, the net rate difference for 25 combined risk categories is classified into four rate categories (categories A to D) (i.e., classified by three different thresholds), and the net rate difference is calculated for each rate category. For example, as shown in Figure 8, rate category A includes the net rate difference for seven combined risk categories (A1 to A7). Note that the rate category is not limited to four categories, and may be two to three categories or five or more categories. However, the more rate categories there are, the higher the flood insurance premium for the rate categories at the ends, so it is desirable to have about four rate categories.

Next, the system control unit 23 (insurance premium setting unit 234) calculates a net rate for each rate category by multiplying the net rate difference for each rate category calculated in step S13 by a single national net rate (step S14). The single national net rate is set in advance, and is, for example, a net rate obtained by correcting the reference net rate calculated by the Non-Life Insurance Rating Organization (correcting the difference between the "coverage content of the insurance company's product" and the "coverage content on which the reference net rate is based"). Next, the system control unit 23 (insurance premium setting unit 234) calculates the insurance premium rate by adding the additional insurance premium rate to the net rate for each rate category calculated in step S14, and sets the flood insurance premium for each rate category by multiplying the insurance amount by the insurance premium rate (step S15).

The flood insurance premiums thus set for each rate category are stored in the flood insurance premium database 22 in association with each rate category. At this time, each rate category may be associated with the combined risk category on which the respective rate category is based (i.e., the combined risk category belonging to each rate category) and stored in the flood insurance premium database 22. For example, seven combined risk categories (A1 to A7) are associated with rate category A. Furthermore, the flood depth data may be associated with a rate category or flood insurance premium for the latitude and longitude of each point.

When the net rate is calculated for each property structure (e.g., M structure, T structure, H structure), property data is acquired for each property structure in step S1, and the processing in steps S2 to S15 is performed using the property data acquired for each property structure.

[2-2. Presentation of flood insurance premiums]
Next, the operation of presenting flood insurance premiums by the insurance contract processing server 3 will be described with reference to Fig. 9. Fig. 9(A) is a flowchart showing an example of the processing of the system control unit 33 when presenting flood insurance premiums, and Fig. 9(B) is a flowchart showing an example of the processing of the system control unit 23 when presenting flood insurance premiums. The operation of presenting flood insurance premiums is an operation for solving the problem of informing the insurance applicant of an appropriate flood insurance premium that does not seem unfair, and further allowing the applicant to correctly understand the flood risk at the location of the insurance applicant's property.

The process shown in FIG. 9(A) is started, for example, when a request is made from the insurance application terminal 1 that has accessed the insurance contract processing server 3. When the process shown in FIG. 9(A) is started, the system control unit 33 of the insurance contract processing server 3 transmits display data for displaying the insurance application screen to the insurance application terminal 1 via the communication unit 31 and the network NW (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 via a browser, the display data is structured document data (e.g., HTML (Hyper Text Markup Language) document, XHTML document, etc.) that constitutes the web page of the insurance application screen. On the other hand, when the insurance application terminal 1 accesses the insurance contract processing server 3 via a dedicated application, the display data is text data, etc., to be displayed on the insurance application screen that is pre-stored in the insurance application terminal 1.

When the insurance applicant specifies the property to be insured on the insurance application screen displayed in this manner, location information for that property is sent from the insurance application terminal 1 to the insurance contract processing server 3 via the network NW. The property may be specified by inputting its address into an address input field provided on the insurance application screen, or by selecting a point (corresponding to latitude and longitude) where the property is located on a map displayed on the insurance application screen. Alternatively, the property may be specified by inputting the property name into a property name input field provided on the insurance application screen, in which case the address is searched for from the property name.

The system control unit 33 (information input unit 331) inputs the location information (address of the property location, or 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 premium setting server 2 via the communication unit 31 and the network NW (step S23).

Meanwhile, when the system control unit 23 of the insurance premium setting server 2 receives a request including location information from the insurance contract processing server 3, it starts the process shown in Figure 9 (B). When the process shown in Figure 9 (B) starts, the system control unit 23 acquires external water inundation depth data and internal water inundation depth data from the water inundation depth database 222 (step S31). Next, the system control unit 23 acquires external water risk classification data and internal water risk classification data from the risk classification database 223 (step S32).

Next, the system control unit 23 refers to the external water inundation depth data and internal water inundation depth data acquired in step S31 to identify the external water inundation depth and internal water inundation depth of the property location identified by the location information (e.g., latitude and longitude) included in the request (step S33). Note that if the location information is an address, the address may be converted to latitude and longitude, and then the external water inundation depth and internal water inundation depth associated with the latitude and longitude may be identified.

Next, the system control unit 23 refers to the external water risk category data and inland water risk category data acquired in step S32 to identify the external water risk category to which the external water inundation depth identified in step S33 corresponds, and the inland water risk category to which the inland water inundation depth identified in step S33 corresponds (step S34). Next, the system control unit 23 identifies a combined risk category relating to the combination of the external water risk category and the inland water risk category identified in step S34 (step S35).

Next, the system control unit 23 acquires the flood insurance premium for the rate category associated with the combined risk category identified in step S35 (i.e., the rate category to which the combined risk category belongs) from the flood insurance premium database 224 (step S36). Next, the system control unit 23 acquires flood risk information including information on the external flood risk category and internal flood risk category identified in step S34 (step S37). Next, the system control unit 23 transmits insurance information including the flood insurance premium acquired in step S36 and the flood risk information acquired in step S37 to the insurance contract processing server 3 via the communication unit 21 and the network NW as insurance information corresponding to the location information included in the request (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 premium setting server 2 (step S24), the system control unit 33 (insurance information 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 flood 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 process shown in FIG. 9 (B) by directly accessing the databases 222-224.

As described above, according to the above embodiment, the insurance premium setting server 2 obtains property data with a flood depth assigned for each property by matching property data including the location information of each of a plurality of properties existing in a specific area with flood depth data indicating the estimated flood depth due to flooding in an area including the specific area, and assigns each of the property data with a flood depth assigned to one of a plurality of risk categories classified according to the flood depth, calculates a net rate for each risk category based on the assignment results, and sets flood insurance premiums classified into a plurality of categories based on the net rate calculated for each risk category. This makes it possible to set appropriate flood insurance premiums according to the flood risk for each property location. In other words, since flood insurance premiums can be subdivided according to flood risk, it is possible to eliminate the sense of unfairness felt by insurance applicants in the burden of flood insurance premiums.

In addition, according to the above embodiment, the insurance contract processing server 3 is configured to input location information of the insured property designated by the insurance applicant, and obtain the flood insurance premium corresponding to the input location information from among the flood insurance premiums set in a plurality of categories according to flood risk, and present it to the insurance applicant. This makes it possible to inform the insurance applicant of an appropriate flood insurance premium that does not seem unfair, and promotes the establishment of an insurance contract. Furthermore, when presenting the flood insurance premium to the insurance applicant, the insurance contract processing server 3 is configured to present the insurance applicant with flood risk information corresponding to the input location information, so that the insurance applicant can be informed of the appropriate flood insurance premium and can correctly grasp the flood risk at the location of the insurance applicant's property at the same time. In other words, the insurance company can inform the insurance applicant of the flood risk through the insurance procedure, and can inform the applicant of the flood insurance premium commensurate with the flood risk, and can further promote disaster prevention measures.

Although one embodiment of the present invention has been described above, the present invention is not limited to the above embodiment, and various configurations and the like may be modified from the above embodiment without departing from the gist of the present invention, and such modifications are also included in the technical scope of the present invention. In the above embodiment, the present invention is applied to the case of setting flood insurance premiums, but the present invention can be applied to disaster insurance premiums other than flood insurance premiums. For example, in the above embodiment, in addition to flood risk (or instead of flood risk), it is possible to set insurance premiums according to at least one of the disaster risks of landslides and storm surge risks in the hazard map, and obtain and present the disaster insurance premiums corresponding to the location information entered by the insurance applicant to the insurance applicant. For example, in the case of landslide risk, "flood depth" is read as "risk level (or sediment accumulation amount)," and "flood depth data indicating the flood depth expected due to flooding" is read as "risk level data indicating the risk level expected due to landslides." On the other hand, in the case of storm surge risk, "flood depth data indicating the flood depth expected due to flooding" is read as "flood depth data indicating the flood depth expected due to storm surge."

Reference Signs List 1 Insurance application terminal 2 Insurance premium setting server 3 Insurance contract processing server 21 Communication unit 22 Memory unit 23 System control unit 231 Information acquisition unit 232 Risk classification allocation unit 233 Net rate calculation unit 234 Insurance premium setting unit 31 Communication unit 32 Memory 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 (7)

An input means for inputting location information of an insured property designated by an insurance applicant;
A flood depth data acquisition means for acquiring, from a flood depth database, external flood depth data indicating the external flood depth expected due to external flooding in a specified area, and internal flood depth data indicating the internal flood depth expected due to internal flooding in the specified area;
a risk classification data acquisition means for acquiring, from a risk classification database, external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth, and internal water risk classification data indicating internal water risk classifications divided into a plurality of categories according to the internal water inundation depth;
A flood depth identification means for identifying the external water flood depth and the internal water flood depth of a property location identified by the location information input by the input means, by referring to the external water flood depth data and the internal water flood depth data acquired by the flood depth data acquisition means;
a risk category identification means for identifying the external water risk category to which the external water inundation depth identified by the inundation depth identification means corresponds and the inundation risk category to which the inundation depth identified by the inundation depth identification means corresponds, by referring to the external water risk category data and the inundation risk category data acquired by the risk category data acquisition means;
an insurance premium acquisition means for acquiring an insurance premium corresponding to the location information input by the input means, from among insurance premiums divided into a plurality of categories according to flood disaster risk;
a presentation means for simultaneously presenting to the insurance applicant the insurance premium acquired by the insurance premium acquisition means, information on the open water risk category identified by the risk category identification means, and information on the inland water risk category identified by the risk category identification means;
An information processing device comprising: The information processing device according to claim 1, characterized in that the information on the external flood risk category is the level of the external flood risk category, and the information on the inland flood risk category is the level of the inland flood risk category. The information processing device according to claim 1 or 2, characterized in that the insurance premium acquisition means acquires an insurance premium corresponding to a combined risk category relating to a combination of the external flood risk category corresponding to the location information input by the input means and the inland flood risk category corresponding to the location information input by the input means. The information processing device according to claim 3, characterized in that the insurance premiums corresponding to the combined risk categories are insurance premiums divided into multiple categories based on the pure insurance premium rates calculated for each of the combined risk categories. The information processing device according to any one of claims 1 to 4, characterized in that the insurance premium acquisition means acquires an insurance premium corresponding to the location information input by the input means, and among the insurance premiums calculated for each property structure, an insurance premium corresponding to the structure of the property to be insured. 1. A method of information processing implemented by one or more computers, comprising:
inputting location information of the property to be insured designated by the insurance applicant;
Acquiring from a flood depth database external water inundation depth data indicating the external water inundation depth expected due to external water flooding in a specified area, and internal water inundation depth data indicating the internal water inundation depth expected due to internal water flooding in the specified area;
A step of acquiring, from a risk classification database, external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth, and internal water risk classification data indicating internal water risk classifications divided into a plurality of categories according to the internal water inundation depth;
A step of referring to the acquired external water inundation depth data and internal water inundation depth data to identify the external water inundation depth and internal water inundation depth of the property location identified by the input location information;
A step of referring to the acquired external water risk classification data and internal water risk classification data to identify the external water risk classification to which the identified external water inundation depth corresponds and the internal water risk classification to which the identified internal water inundation depth corresponds;
A step of acquiring an insurance premium corresponding to the input location information from among insurance premiums classified into a plurality of categories according to flood disaster risk;
a presentation step of simultaneously presenting the acquired insurance premium, information on the specified external water risk category, and information on the specified internal water risk category to the insurance applicant;
13. An information processing method comprising: Computer,
An input means for inputting location information of an insured property designated by an insurance applicant;
A flood depth data acquisition means for acquiring, from a flood depth database, external flood depth data indicating the external flood depth expected due to external flooding in a specified area, and internal flood depth data indicating the internal flood depth expected due to internal flooding in the specified area;
a risk classification data acquisition means for acquiring, from a risk classification database, external water risk classification data indicating external water risk classifications divided into a plurality of categories according to the external water inundation depth, and internal water risk classification data indicating internal water risk classifications divided into a plurality of categories according to the internal water inundation depth;
A flood depth identification means for identifying the external water flood depth and the internal water flood depth of a property location identified by the location information input by the input means, by referring to the external water flood depth data and the internal water flood depth data acquired by the flood depth data acquisition means;
a risk category identification means for identifying the external water risk category to which the external water inundation depth identified by the inundation depth identification means corresponds and the inundation risk category to which the inundation depth identified by the inundation depth identification means corresponds, by referring to the external water risk category data and the inundation risk category data acquired by the risk category data acquisition means;
an insurance premium acquisition means for acquiring an insurance premium corresponding to the location information input by the input means, from among insurance premiums divided into a plurality of categories according to flood disaster risk;
An information processing program characterized by functioning as a presentation means that simultaneously presents to the insurance applicant the insurance premium acquired by the insurance premium acquisition means, information on the external flood risk category identified by the risk category identification means, and information on the inland flood risk category identified by the risk category identification means.

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