Patent Application Titled “Information Processing Apparatus And Method” Published Online (USPTO 20240202832): Patent Application

2024 JUL 10 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Washington, D.C., by NewsRx journalists, a patent application by the inventor Kimishima, Masato (Tokyo, Jp), filed on December 21, 2023, was made available online on June 20, 2024.

No assignee for this patent application has been made.

Reporters obtained the following quote from the background information supplied by the inventors: “Conventionally, in automobile insurance, a technology to determine an insurance premium to be paid by a user who is an insured person according to a traffic violation history, an accident history, or the like of the user has been proposed (for example, see Patent Document 1).

“In such a technology, at the time of subscription for automobile insurance, an insurance service provider makes an inquiry to a user individual about a traffic violation history, an accident history, a continuous seat load time, an average daily travel distance, an average daily sleep time, and an average daily seat load time. Then, the insurance service provider determines an insurance premium according to the answer to the inquiry input by the user.

“If the insurance premium is determined for each user in this manner, the insurance premium of the user with a low accident rate can be preferentially treated and the burden on the user can be reduced.”

In addition to obtaining background information on this patent application, NewsRx editors also obtained the inventor’s summary information for this patent application: “SUMMARY:

“Problems to be Solved by the Invention

“However, it has been difficult to more appropriately obtain the insurance premium that is a compensation for the service as automobile insurance by the above-described technology.

“For example, the average daily sleep time answered by the user is information regarding a health state of the user, and the user who lives a healthy life should have a low accident rate. Therefore, it is conceivable to make the insurance premium cheap for the user who has a long average daily sleep time.

“However, since the average daily sleep time input by the user is self-reported information, the information is not accurate. Therefore, it cannot be said that sufficiently appropriate insurance premiums have been determined for the users from such information.

“The present technology has been made in view of the foregoing, and enables obtainment of a more appropriate compensation for services.

“Solutions to Problems

“An information processing apparatus according to a first aspect of the present technology includes a reception unit configured to receive health state information regarding a health state of a user, a calculation unit configured to calculate a compensation for a service on the basis of the health state information before getting-in to a vehicle by the user or before presenting the compensation for the service regarding the getting-in to a vehicle to the user, and a transmission unit configured to transmit information indicating the compensation for the service.

“The health state information can be information regarding behavior of the user.

“The health state information can be information regarding a biological state of the user.

“The compensation for the service can be an insurance premium of automobile insurance.

“The calculation unit can calculate the compensation for the service on the basis of the health state information and information regarding getting-in by the user.

“An information processing method or a program according to a first aspect of the present technology includes steps of receiving health state information regarding a health state of a user, calculating a compensation for a service on the basis of the health state information before getting-in to a vehicle by the user or before presenting the compensation for the service regarding the getting-in to a vehicle to the user, and transmitting information indicating the compensation for the service.

“In the first aspect of the present technology, the health state information regarding a health state of a user is received, the compensation for a service on the basis of the health state information before getting-in to a vehicle by the user or before presenting the compensation for the service regarding the getting-in to a vehicle to the user is calculated, and the information indicating the compensation for the service is transmitted.

“An information processing apparatus according to a second aspect of the present technology includes a recording unit configured to record health state information regarding a health state of a user, a communication unit configured to transmit the health state information for calculating a compensation for a service regarding getting-in to a vehicle by the user, and receive information indicating the compensation for the service, and a display control unit configured to control display of the information regarding the compensation for the service.

“The health state information can be information regarding behavior of the user.

“The health state information can be information regarding a biological state of the user.

“The compensation for the service can be an insurance premium of automobile insurance.

“The information processing apparatus further includes a driving determination processing unit configured to determine whether or not the user is driving the vehicle, in which the communication unit can transmit the health state information in a predetermined period immediately before the user drives the vehicle.

“An information processing method or a program according to the second aspect of the present technology includes steps of recording health state information regarding a health state of a user, transmitting the health state information for calculating a compensation for a service regarding getting-in to a vehicle by the user, and receiving information indicating the compensation for the service, and controlling display of the information regarding the compensation for the service.

“In the second aspect of the present technology, the recording health state information regarding a health state of a user is recorded, the health state information for calculating a compensation for a service regarding getting-in to a vehicle by the user is transmitted and the information indicating the compensation for the service is received, and the display of the information regarding the compensation for the service is controlled.

“An information processing apparatus according to a third aspect of the present technology includes an authentication processing unit configured to authenticate a user who has got into a vehicle, a health state information acquisition unit configured to acquire health state information regarding a health state of the authenticated user, and a communication unit configured to transmit the health state information for calculating a compensation for a service regarding getting-in to the vehicle by the user, and receive information indicating the compensation for the service.

“The information processing apparatus according can further include a display control unit configured to control display of the information indicating the compensation for the service.

“The communication unit can transmit the information regarding the compensation for the service to a terminal device of the user.

“The compensation for the service can be an insurance premium of automobile insurance.

“An information processing method or a program according to the third aspect of the present technology includes steps of authenticating a user who has got into a vehicle, acquiring health state information regarding a health state of the authenticated user, and transmitting the health state information for calculating a compensation for a service regarding getting-in to the vehicle by the user, and receiving information indicating the compensation for the service.

“In the third aspect of the present technology, the user who has got into a vehicle is authenticated, the health state information regarding a health state of the authenticated user is acquired, and the health state information for calculating a compensation for a service regarding getting-in to the vehicle by the user is transmitted and the information indicating the compensation for the service is received.

“Effects of the Invention

“According to the first to third aspects of the present technology, a more appropriate compensation for services can be obtained.

“Note that the effects described here are not necessarily limited, and any of effects described in the present disclosure may be exhibited.”

The claims supplied by the inventors are:

“1. An information processing apparatus, comprising: circuitry configured to: store user data in a memory; receive authentication information that indicates that a user is authenticated; load the user data that indicates a behavior of the authenticated user, biological information of the authenticated user, and a driving history of the authenticated user; calculate insurance information based on the user data, wherein the insurance information comprises at least one of an insurance premium, an amount changed from an original insurance premium, or the insurance premium with the changed amount; and transmit the insurance information to at least one of a terminal device or a vehicle.

“2. The information processing apparatus according to claim 1, wherein the biological information corresponds to the behavior of the authenticated user.

“3. The information processing apparatus according to claim 1, wherein the circuitry is further configured to calculate the insurance information based on the biological information and information regarding an entry of the authenticated user into the vehicle.

“4. The information processing apparatus according to claim 1, wherein the circuitry is further configured to determine, as the behavior of the authenticated user, the authenticated user associated with the terminal device is in one of a sleeping state or a resting state based on learning data and acceleration data obtained from the terminal device.

“5. The information processing apparatus according to claim 1, wherein the behavior of the authenticated user is based on time series data of registered position information of the authenticated user and a measured position of the authenticated user.

“6. The information processing apparatus according to claim 1, wherein the biological information comprises a value of at least one of a blood pressure, a heart rate, or a respiratory rate, or a degree of fatigue, and the degree of fatigue is based on a face recognition of the authenticated user.

“7. The information processing apparatus according to claim 1, wherein the circuitry is further configured to calculate a degree of safe driving based on: a time of an entry of the authenticated user into the vehicle, and health state time series data indicating a health state of the authenticated user.

“8. An information processing method, comprising: storing user data in a memory; receiving authentication information that indicates that a user is authenticated; loading the user data that indicates a behavior of the authenticated user, biological information of the authenticated user, and a driving history of the authenticated user; calculating insurance information based on the user data, wherein the insurance information comprises at least one of an insurance premium, an amount changed from an original insurance premium, or the insurance premium with the changed amount; and transmitting the insurance information to at least one of a terminal device or a vehicle.

“9. A non-transitory computer-readable medium having stored thereon, computer-executable instructions which, when executed by a computer, cause the computer to execute operations, the operations comprising: storing user data in a memory; receiving authentication information that indicates that a user is authenticated; loading the user data that indicates a behavior of the authenticated user, biological information of the authenticated user, and a driving history of the authenticated user; calculating insurance information based on the user data, wherein the insurance information comprises at least one of an insurance premium, an amount changed from an original insurance premium, or the insurance premium with the changed amount; and transmitting the insurance information to at least one of a terminal device or a vehicle.

“10. An information processing apparatus, comprising: circuitry configured to: receive authentication Information that indicates that a user is authenticated; receive, from at least one of a terminal device or a vehicle, user data that indicates a behavior of the authenticated user, biological information of the authenticated user, and a driving history of the authenticated user; calculate insurance information based on the user data, wherein the insurance information comprises at least one of an insurance premium, an amount changed from an original insurance premium, or the insurance premium with the changed amount; and transmit the insurance information to the at least one of the terminal device or the vehicle.

“11. The information processing apparatus according to claim 10, wherein the circuitry is further configured to control display of the insurance information.

“12. The information processing apparatus according to claim 10, wherein the circuitry is further configured to transmit the insurance information to the terminal device of the authenticated user.

“13. An information processing method, comprising: receiving authentication Information that indicates that a user is authenticated; receiving, from at least one of a terminal device or a vehicle, user data that indicates a behavior of the authenticated user, biological information of the authenticated user, and a driving history of the authenticated user; calculating insurance information based on the user data, wherein the insurance information comprises at least one of an insurance premium, an amount changed from an original insurance premium, and the insurance premium with the changed amount; and transmitting the insurance information to the at least one of the terminal device or the vehicle.

“14. A non-transitory computer-readable medium having stored thereon, computer-executable instructions which, when executed by a computer, cause the computer to execute operations, the operations comprising: receiving authentication Information that indicates that a user is authenticated; receiving, from at least one of a terminal device or a vehicle, user data that indicates a behavior of the authenticated user, biological information of the authenticated user, and a driving history of the authenticated user; calculating an insurance information based on the user data, wherein the insurance information comprises at least one of an insurance premium, an amount changed from an original insurance premium, or the insurance premium with the changed amount; and transmitting the insurance information to the at least one of the terminal device or the vehicle.”

For more information, see this patent application: Kimishima, Masato. Information Processing Apparatus And Method. U.S. Patent Application Number 20240202832, filed December 21, 2023 and posted June 20, 2024. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20240202832)&db=US-PGPUB&type=ids

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