Patent Application Titled “Information Processing Device, Information Processing System, Program And Vehicle” Published Online (USPTO 20210398224): Toyota Jidosha Kabushiki Kaisha

2022 JAN 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 inventors KOZUKA, Tomoyuki (Toyota-shi, Japan); MIURA, Mitsuhiro (Toyota-shi, Japan); NAKANISHI, Tooru (Nagakute-shi, Japan); SASAKI, Tomo (Toyota-shi, Japan); SUGIMURA, Tae (Miyoshi-shi, Japan); YAMADA, Tadashi (Toyota-shi, Japan); YAMANE, Josuke (Nissin-shi, Japan), filed on April 22, 2021, was made available online on December 23, 2021.

The assignee for this patent application is Toyota Jidosha Kabushiki Kaisha (Toyota-shi, Japan).

Reporters obtained the following quote from the background information supplied by the inventors: “

“The present disclosure relates to an information processing device, an information processing system, a program and a vehicle.

“Conventionally, there has been known a technology for deciding a premium of an automobile insurance for a driver of a vehicle. For example, Japanese Patent No. 6261637 discloses an insurance condition deciding device that can flexibly decide an insurance condition based on experience of a user, even when the user newly enters an insurance.”

In addition to obtaining background information on this patent application, NewsRx editors also obtained the inventors’ summary information for this patent application: “In the related art, there has not been sufficiently considered a technology in which, in the decision of the premium of the automobile insurance, the premium is decided based on evaluation information about driving of the vehicle from another person in addition to traveling information about the vehicle. Accordingly, the objectivity of the decided premium is low.

“The present disclosure has been made in view of such a circumstance, and an object of the present disclosure is to enhance the objectivity of the premium of the automobile insurance that is decided for the driver of the vehicle.

“An information processing device according to an embodiment of the present disclosure includes a control unit configured to acquire traveling information and evaluation information, and to decide a premium of an automobile insurance for a driver of a first vehicle, based on a comparison process of the acquired traveling information and the acquired evaluation information, the traveling information being obtained in association with driving of the first vehicle, the evaluation information being information about evaluation of the driving of the first vehicle by an occupant of a second vehicle that travels in a periphery of the first vehicle.

“A program according to an embodiment of the present disclosure causes an information processing device to execute an operation including: acquiring traveling information, the traveling information being obtained in association with driving of a first vehicle; acquiring evaluation information, the evaluation information being information about evaluation of the driving of the first vehicle by an occupant of a second vehicle that travels in a periphery of the first vehicle; executing a comparison process of the acquired traveling information and the acquired evaluation information; and deciding a premium of an automobile insurance for a driver of the first vehicle, based on the comparison process.

“A vehicle according to an embodiment of the present disclosure includes a control unit configured to acquire traveling information and evaluation information, and to decide a premium of an automobile insurance for a driver of the vehicle, based on a comparison process of the acquired traveling information and the acquired evaluation information, the traveling information being obtained in association with driving of the vehicle, the evaluation information being information about evaluation of the driving of the vehicle by an occupant of another vehicle that travels in a periphery of the vehicle.

“An information processing device, an information processing system, a program and a vehicle according to an embodiment of the present disclosure make it possible to enhance the objectivity of the premium of the automobile insurance that is decided for the driver of the vehicle.”

The claims supplied by the inventors are:

“1. An information processing device comprising a control unit configured to acquire traveling information and evaluation information, and to decide a premium of an automobile insurance for a driver of a first vehicle, based on a comparison process of the acquired traveling information and the acquired evaluation information, the traveling information being obtained in association with driving of the first vehicle, the evaluation information being information about evaluation of the driving of the first vehicle by an occupant of a second vehicle that travels in a periphery of the first vehicle.

“2. The information processing device according to claim 1, wherein the control unit acquires identification information about the first vehicle by specification of the first vehicle by the occupant of the second vehicle, and specifies the first vehicle based on the acquired identification information in the comparison process.

“3. The information processing device according to claim 2, wherein the control unit decides the premium when the control unit determines that the traveling information about the specified first vehicle matches the evaluation information in the comparison process.

“4. The information processing device according to claim 2, wherein the identification information includes number information of a number plate of the first vehicle, the number information being specified from a traveling image that is taken by an outside-vehicle camera of the second vehicle.

“5. The information processing device according to claim 1, wherein the control unit specifies the first vehicle that is associated with the traveling information matching the evaluation information, in the comparison process.

“6. The information processing device according to claim 1, wherein the control unit gives notice of the decided premium to an insurance company that provides the automobile insurance, and when the control unit determines that the insurance company has accepted the premium, the control unit gives notice of the premium to the driver of the first vehicle.

“7. The information processing device according to claim 1, wherein when the control unit determines that the premium has reached a threshold value, the control unit decides a driving method that allows the premium to be decreased, and gives notice of the driving method to the driver of the first vehicle.

“8. An information processing system comprising: the information processing device according to claim 1; the first vehicle that provides the traveling information to the information processing device; and the second vehicle that provides the evaluation information to the information processing device.

“9. A program that causes an information processing device to execute an operation including: acquiring traveling information, the traveling information being obtained in association with driving of a first vehicle: acquiring evaluation information, the evaluation information being information about evaluation of the driving of the first vehicle by an occupant of a second vehicle that travels in a periphery of the first vehicle; executing a comparison process of the acquired traveling information and the acquired evaluation information; and deciding a premium of an automobile insurance for a driver of the first vehicle, based on the comparison process.

“10. The program according to claim 9, wherein the operation includes: acquiring identification information about the first vehicle by specification of the first vehicle by the occupant of the second vehicle; and specifying the first vehicle based on the acquired identification information in the comparison process.

“11. The program according to claim 10, wherein the operation includes deciding the premium when the information processing device determines that the traveling information about the specified first vehicle matches the evaluation information in the comparison process.

“12. The program according to claim 10, wherein the identification information includes number information of a number plate of the first vehicle, the number information being specified from a traveling image that is taken by an outside-vehicle camera of the second vehicle.

“13. The program according to claim 9, wherein the operation includes specifying the first vehicle that is associated with the traveling information matching the evaluation information, in the comparison process.

“14. The program according to claim 9, wherein the operation includes: giving notice of the decided premium to an insurance company that provides the automobile insurance; determining whether the insurance company has accepted the premium; and giving notice of the premium to the driver of the first vehicle, when it is determined that the insurance company has accepted the premium.

“15. The program according to claim 9, wherein the operation includes: determining whether the premium has reached a threshold value; deciding a driving method that allows the premium to be decreased, when it is determined that the premium has reached the threshold value; and giving notice of the decided driving method to the driver of the first vehicle.

“16. A vehicle comprising a control unit configured to acquire traveling information and evaluation information, and to decide a premium of an automobile insurance for a driver of the vehicle, based on a comparison process of the acquired traveling information and the acquired evaluation information, the traveling information being obtained in association with driving of the vehicle, the evaluation information being information about evaluation of the driving of the vehicle by an occupant of another vehicle that travels in a periphery of the vehicle.

“17. The vehicle according to claim 16, wherein the control unit acquires identification information about the vehicle by specification of the vehicle by the occupant of the other vehicle, and determines whether the acquired identification information coincides with individual information about the vehicle in the comparison process.

“18. The vehicle according to claim 17, wherein the control unit decides the premium when the control unit determines that the acquired identification information coincides with the individual information about the vehicle and that the traveling information about the vehicle matches the evaluation information in the comparison process.

“19. The vehicle according to claim 16, wherein the control unit gives notice of the decided premium to an insurance company that provides the automobile insurance, and when the control unit determines that the insurance company has accepted the premium, the control unit gives notice of the premium to the driver of the vehicle.

“20. The vehicle according to claim 16, wherein when the control unit determines that the premium has reached a threshold value, the control unit decides a driving method that allows the premium to be decreased, and gives notice of the driving method to the driver of the vehicle.”

For more information, see this patent application: KOZUKA, Tomoyuki; MIURA, Mitsuhiro; NAKANISHI, Tooru; SASAKI, Tomo; SUGIMURA, Tae; YAMADA, Tadashi; YAMANE, Josuke. Information Processing Device, Information Processing System, Program And Vehicle. Filed April 22, 2021 and posted December 23, 2021. Patent URL: https://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PG01&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.html&r=1&f=G&l=50&s1=%2220210398224%22.PGNR.&OS=DN/20210398224&RS=DN/20210398224

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