Patent Publication Number: US-2023153915-A1

Title: Information processing device, insurance premium determining method, and system

Description:
CROSS-REFERENCE TO RELATED APPLICATIONS 
     This application is a continuation of International Application No. PCT/JP2021/018289, filed on May 13, 2021, which is based on the Japanese Patent Application No. 2020-125767, filed on Jul. 22, 2020, the entire contents of which are incorporated herein by reference. 
    
    
     FIELD 
     The present disclosure relates to an information processing device, an insurance premium determining method, and a system. 
     BACKGROUND 
     Electric motor vehicles such as an electric vehicle have a risk of a vehicle fire caused by a battery. Such a vehicle fire may be caused when the battery is used under a load, or caused by a manufacturing defect or the like. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG.  1    is an entire view illustrating an example of a configuration of an insurance premium determining system according to a first embodiment; 
         FIG.  2    is a diagram illustrating an example of configurations of a BMU, CMU, and a battery according to the first embodiment; 
         FIG.  3    is a block diagram illustrating an example of a functional configuration of the BMU according to the first embodiment; 
         FIG.  4    is a block diagram illustrating an example of a functional configuration of a server device according to the first embodiment; 
         FIG.  5    is a flowchart illustrating an example of a procedure of insurance premium determination processing performed by the server device according to the first embodiment; 
         FIG.  6    is an entire view illustrating an example of a configuration of an insurance premium determining system according to a second embodiment; 
         FIG.  7    is a block diagram illustrating an example of a functional configuration of a server device according to the second embodiment; and 
         FIG.  8    is a flowchart illustrating an example of a procedure of insurance premium determination processing performed by the server device according to the second embodiment. 
     
    
    
     DETAILED DESCRIPTION 
     An information processing device according to the present disclosure includes one or more hardware processors configured to function as a risk calculation unit and an insurance premium determination unit. The risk calculation unit is configured to calculate a degree of risk indicating a risk of ignition of a battery as an index based on information concerning an ignition factor of the battery mounted on a vehicle. The insurance premium determination unit is configured to determine an insurance premium in accordance with the degree of risk. Herein, it is an object of the present disclosure to provide an information processing device, an insurance premium determining method, and a system that can appropriately set an insurance premium in accordance with a state of a battery. 
     The following describes embodiments of an information processing device, an insurance premium determining method, and a system according to the present disclosure with reference to the drawings. 
     First Embodiment 
     The following describes a first embodiment with reference to the drawings. 
     Configuration example of insurance premium determining system 
       FIG.  1    is an entire view illustrating an example of a configuration of an insurance premium determining system  1  according to the first embodiment. As illustrated in  FIG.  1   , the insurance premium determining system  1  includes a vehicle control system  110  mounted on a vehicle  10 , a server device  20  placed on a cloud, and an information terminal  301  of an insurance company  30 . 
     Each of a plurality of the vehicles  10  is a vehicle covered by vehicle insurance and the like contracted, for example, the vehicle owned by an insured person taking out the insurance of the insurance company  30 . The insurance company  30  sets an insurance premium for each of the vehicles  10 . Each of the vehicles  10  is equipped with the vehicle control system  110  connected to the server device  20  via a network. 
     The vehicle  10  is an electric vehicle (EV) that is driven by using electric power of a battery  130 . However, the vehicle  10  may be a hybrid vehicle (HV) using power of an internal combustion engine and the like in addition to the electric power of the battery  130 . 
     The vehicle control system  110  includes a Telematics Control Unit (TCU)  104 , a Central Gateway (CGW)  103 , an electronic control unit (ECU)  102 , a battery management unit (BMU)  101 , a plurality of batteries  130   a  to  130   n,  and a charging device  105 . 
     These configurations are connected via an in-vehicle network  120 . The in-vehicle network  120  is, for example, a controller area network (CAN). Within the vehicle control system  110 , all of the configurations may be connected to the one in-vehicle network  120 , or may be connected to a plurality of channels of the in-vehicle network in a divided manner. 
     Each of the batteries  130   a  to  130   n  supplies electric power for driving the vehicle  10 . In the present specification, in a case of not distinguishing the batteries  130   a  to  130   n  from each other, each of the batteries  130   a  to  130   n  may be simply referred to as the battery  130 . The only one battery  130  may be used. The battery  130  is a rechargeable secondary battery, for example, a lithium ion battery. However, a type of the battery  130  is not particularly limited, and may be a nickel hydrogen battery and the like, for example. 
     The charging device  105  charges the battery  130  with electric power supplied, for example, from the outside of the vehicle  10  or regenerative electric power. 
     The BMU  101  as an information generation unit collects various kinds of data indicating a state of the battery  130 , analyzes the state of the battery  130  based on the acquired various kinds of data, and transmits an analysis result to the ECU  102  via the in-vehicle network  120 . The BMU  101  is also called a battery management system (BMS). 
     The battery information collected by the BMU  101  includes various measured values such as a voltage, a current, a temperature, and an internal resistance of the battery  130 . The BMU  101  computes a deterioration state of the battery (State Of Health: SOH), a charging state thereof (State Of Charge: SOC), and the like from the various measured values, and estimates a state of an ignition factor such as an amount of the ignition factor in the battery  130 . 
     The SOH is a percentage of a ratio of a current full charge capacity (Ah) to an initial full charge capacity (Ah). As a value of the SOH is closer to 100%, a degree of deterioration is lower. The SOC is a percentage of a ratio of a residual capacity (Ah) to the full charge capacity (Ah). An ideal use state of the battery  130  is to be used with the value of the SOC close to 50% as a median. 
     As the ignition factor in the battery  130 , for example, a minute short circuiting is exemplified, and in a case in which the battery  130  is a lithium ion battery, lithium precipitation and the like are exemplified. As described later, in a case in which a lithium precipitation amount and a minute short-circuiting amount are large, the battery  130  may generate heat, and may cause ignition in the worst case. 
     The BMU  101  not only performs computation and estimation by collecting the information from the battery  130 , but may also collect the information concerning the battery from the outside to compute or estimate the information concerning the battery based on the information collected from the outside. 
     The ECU  102  is a vehicle control unit (VCU) that controls the entire vehicle  10 . The ECU  102  transmits the battery information such as the SOH, the SOC, and the ignition factor acquired from the BMU  101  to the server device  20  via the CGW  103  and the TCU  104 . 
     The TCU  104  has a function of executing wireless communication with an external device, and executes wireless communication with the server device  20 , for example. The CGW  103  relays data communication between the ECU  102  and the outside. 
     The server device  20  as an information processing device is owned by a service provider that provides a service of calculating an insurance premium to the insurance company  30 , for example. The server device  20  may be constituted of one server device, for example, or may be constituted of a plurality of server devices connected to the Internet. 
     The server device  20  has a function of receiving the battery information concerning the battery  130  transmitted from each of the vehicles  10 , and determining an insurance premium set for each of the vehicles  10  based on the information. The server device  20  also transmits information on the determined insurance premium to the information terminal  301  of the insurance company  30 . 
     The insurance company  30  receives the service of calculating the insurance premium from the service provider. The information terminal  301  is a personal computer (PC) installed in the insurance company  30 , a tablet terminal, or the like. The information terminal  301  is connected to the server device  20  in a wireless manner or a wired manner, and receives, from the server device  20 , the information on the insurance premium determined by the server device  20 . 
     Configuration Example of Battery 
       FIG.  2    is a diagram illustrating an example of configurations of the BMU  101 , CMUs  131   a  to  131   n,  and the batteries  130   a  to  130   n  according to the first embodiment. 
     As illustrated in  FIG.  2   , the cell monitoring units (CMUs)  131   a  to  131   n  are disposed corresponding to the batteries  130   a  to  130   n  on a one-to-one basis. In the present specification, in a case of not distinguishing the CMUs  131   a  to  131   n  from each other, each of the CMUs  131   a  to  131   n  may be simply referred to as a CMU  131 . 
     The CMU  131  includes various sensors such as a current sensor, a voltage sensor, and a temperature sensor for measuring the state of the battery  130 . Alternatively, these sensors may be disposed outside the CMU  131 , and the CMU  131  may acquire measured values from these sensors. 
     The batteries  130  are connected in parallel, for example. The BMU  101  acquires the various kinds of data described above from each of the batteries  130  connected in parallel. 
     Functional Configuration Example of BMU 
       FIG.  3    is a block diagram illustrating an example of a functional configuration of the BMU  101  according to the first embodiment. As illustrated in  FIG.  3   , the BMU  101  includes an acquisition unit  111 , a computation unit  112 , an estimation unit  113 , a determination unit  114 , and an output unit  115 . 
     The acquisition unit  111 , the computation unit  112 , the estimation unit  113 , the determination unit  114 , and the output unit  115  are stored and provided in a memory of the BMU  101  as a computer-executable computer program. A processor of the BMU  101  implements a function corresponding to each of the units described above by reading out, from the memory, and executing the computer program. 
     The computer program executed by the BMU  101  may be recorded and provided in a computer-readable recording medium such as a CD-ROM, a flexible disk (FD), a CD-R, and a digital versatile disc (DVD) as an installable or executable file. 
     The computer program executed by the BMU  101  may be stored in a computer connected to a network such as the Internet, and provided by being downloaded via the network. The computer program executed by the BMU  101  may be executed via a network such as the Internet without being downloaded by the BMU  101  to be installed therein. 
     Alternatively, part or all of the functions of the acquisition unit  111 , the computation unit  112 , the estimation unit  113 , the determination unit  114 , and the output unit  115  may be implemented by a dedicated hardware circuit. 
     The acquisition unit  111  acquires measured values such as a voltage, a current, and a temperature of the battery  130  from the CMU  131  based on a given collecting condition. The collecting condition is determined by the determination unit  114 , for example, and includes a collection period for collecting data, a type of data to be collected, and the like. The acquisition unit  111  sends out the acquired measured values to the computation unit  112 , the estimation unit  113 , and the output unit  115 . 
     The computation unit  112  calculates a computed value representing a characteristic of the battery  130  based on the measured value acquired by the acquisition unit  111 . By way of example, the computation unit  112  calculates the SOH and the SOC of each of the batteries  130 . The computation unit  112  sends out the calculated SOH and SOC to the determination unit  114  and the output unit  115 . 
     The estimation unit  113  estimates the lithium precipitation amount and the minute short-circuiting amount, which are ignition factors of the battery  130 , based on the measured values acquired by the acquisition unit  111 . 
     In a case in which the battery  130  is a lithium ion battery, precipitation of lithium metal proceeds inside the battery  130  while charge and discharge are repeatedly performed. When the lithium precipitation amount inside the battery  130  is increased, precipitated lithium may break through a separator of the battery  130 , and an internal short circuiting may be caused in some cases. The battery  130  generates heat due to the internal short circuiting, and may cause ignition in the worst case. 
     The estimation unit  113  collects voltage variation and current variation of the battery  130  during charge and discharge, and obtains a charge/discharge curve representing a relation between a voltage and capacity using an open circuit voltage (OCV) estimating method. The estimation unit  113  also estimates the lithium precipitation amount in the battery  130  by dQ/dV analysis for obtaining a dQ/dV curve by differentiating a voltage (V) at this point by an electric discharge capacity (Q). 
     In estimating the lithium precipitation amount, it is preferable to use data of the collected voltage variation and current variation at the time when the SOC falls within a given range of about 5%, for example. This is because capacity variation of the battery  130  can be more easily reflected in the voltage in a case in which the SOC is about 5% as compared with a case in which the SOC is about 50%, for example. 
     It is also preferable to use data of voltage variation and current variation that are collected during charge at the time when charge is performed while keeping a constant charging current. Additionally, it is also preferable to use data of voltage variation and current variation that are collected during discharge at the time when a discharging current is constant. 
     In this way, by using data that is collected from the battery  130  at the time when the SOC falls within a given range and a charging/discharging current is constant, more accurate estimation can be performed. 
     By regularly or irregularly acquiring the data described above multiple times and repeating estimation of the lithium precipitation amount, successive variation of the lithium precipitation amount can be obtained, and the state of the battery  130  can be determined more precisely. 
     On the other hand, a foreign substance such as a metal piece may be mixed in the battery  130  at a manufacturing step. Such a metal piece may cause a minute short circuiting inside the battery  130 . If the metal piece breaks through the separator of the battery  130 , similarly to the above description, the battery  130  may be ignited. 
     The estimation unit  113  collects the voltage variation of the battery  130  at the time when a load is not applied to the battery  130 , that is, when the battery  130  is not being charged or discharged, and estimates the minute short-circuiting amount in the battery  130  based on the collected voltage variation. When a minute short circuiting occurs in the battery  130 , a voltage drop is found in the battery  130  in a left state. The minute short-circuiting amount can be estimated from magnitude of the voltage drop. The minute short-circuiting amount may include a short circuiting caused by precipitated lithium in addition to a short circuiting caused by a foreign substance such as a metal piece. 
     In estimating the minute short-circuiting amount, it is preferable to use data of the collected voltage variation at the time when the SOC falls within a given range of about 5%, for example. The voltage variation is influenced by the temperature of the battery  130 , so that it is preferable to use data that is collected when the temperature of the battery  130  is equal to or lower than a given temperature. 
     In this way, by using data that is collected from the battery  130  at the time when the SOC falls within the given range and the temperature is equal to or lower than the given temperature, more accurate estimation can be performed. 
     By regularly or irregularly acquiring the data described above multiple times and repeating estimation of the minute short-circuiting amount, successive variation of the minute short-circuiting amount can be obtained, and the state of the battery  130  can be determined more precisely. 
     The determination unit  114  sets the collecting condition in accordance with the deterioration state of the battery  130 . By way of example, the determination unit  114  determines the deterioration state of the battery  130  based on at least one of the value of the SOH computed by the computation unit  112 , an estimated value of the lithium precipitation amount estimated by the estimation unit  113 , and an estimated value of the minute short-circuiting amount, and sets the collecting condition in accordance with the deterioration state. 
     At this point, the determination unit  114  may determine presence or absence of deterioration based on an average value or a median of SOHs, lithium precipitation amounts, or minute short-circuiting amounts of a plurality of the batteries  130 , or may determine presence or absence of deterioration based on the worst value of the SOHs, the lithium precipitation amounts, or the minute short-circuiting amounts of the batteries  130 . 
     The determination unit  114  determines the deterioration state of the battery  130  based on these values, and makes setting so that, as deterioration progresses, the collection period defined in the collecting condition is shortened, and the data is collected at a higher frequency. The determination unit  114  may also make setting so that, as deterioration progresses, the number of types of data defined in the collecting condition is increased. 
     Content of the latest collecting condition is saved in the memory of the BMU  101 , for example, by the determination unit  114 . The acquisition unit  111 , the computation unit  112 , and the estimation unit  113  read out the latest collecting condition from the memory, and performs processing in accordance with the read-out collecting condition. 
     The output unit  115  outputs the battery information that is acquired, computed, and estimated by the acquisition unit  111 , the computation unit  112 , and the estimation unit  113  to the ECU  102  via the in-vehicle network  120 . 
     The ECU  102  transmits the battery information acquired from the BMU  101  to the server device  20  via the TCU  104  and the CGW  103 . The battery information is transmitted to the server device  20 , where the battery information is added with a vehicle ID or the like with which the battery-information-generated vehicle  10  is uniquely identifiable. 
     Functional Configuration Example of Server Device 
       FIG.  4    is a block diagram illustrating an example of a functional configuration of the server device  20  according to the first embodiment. As illustrated in  FIG.  4   , the server device  20  includes a reception unit  121 , a vehicle information management unit  122 , a risk calculation unit  123 , an ignition risk determination unit  124 , an insurance premium determination unit  125 , a transmission unit  126 , a vehicle information storage unit  129   a,  a battery information storage unit  129   b,  a correlation storage unit  129   c,  and an insurance premium amount storage unit  129   d.    
     The server device  20  is a computer including a microcontroller, for example. The microcontroller includes a processor, a random access memory (RAM), a read only memory (ROM), and the like. The microcontroller constituting the server device  20  may include an input/output circuit, a storage device, and the like. The processor reads out and executes a computer program stored in the ROM and the like to implement a function corresponding to each of the units described above. 
     The computer program executed by the server device  20  may be recorded and provided in a computer-readable recording medium such as a CD-ROM, a flexible disk, a CD-R, and a DVD as an installable or executable file. 
     The computer program executed by the server device  20  may be stored in a computer connected to a network such as the Internet, and provided by being downloaded via the network. The computer program executed by the server device  20  may be executed via a network such as the Internet without being downloaded by the server device  20  to be installed therein. 
     Alternatively, part or all of the functions of the reception unit  121 , the vehicle information management unit  122 , the risk calculation unit  123 , the ignition risk determination unit  124 , the insurance premium determination unit  125 , the transmission unit  126 , the vehicle information storage unit  129   a,  the battery information storage unit  129   b,  the correlation storage unit  129   c,  and the insurance premium amount storage unit  129   d  may be implemented by a dedicated hardware circuit. 
     The reception unit  121  receives the battery information concerning the battery  130  that is collected by the BMU  101  of the vehicle control system  110  mounted on the vehicle  10  and transmitted from the ECU  102  via the TCU  104  and the CGW  103 . The reception unit  121  stores the received battery information in the battery information storage unit  129   b.    
     The battery information storage unit  129   b  stores the battery information, which is transmitted from each of the vehicles  10  owned by an insured person as a customer of the insurance company  30 , associated with the vehicle ID. 
     The vehicle information management unit  122  manages vehicle information stored in the vehicle information storage unit  129   a.  The vehicle information is generated by the information terminal  301  and the like of the insurance company  30 , for example, for each of the vehicles  10  owned by the insured person as a customer of the insurance company  30 , and transmitted to the server device  20  after the vehicle ID is added thereto. The vehicle information management unit  122  stores the transmitted vehicle information in the vehicle information storage unit  129   a  to be managed. 
     At a timing when the insurance premium determination unit  125  determines the insurance premium, the vehicle information management unit  122  acquires a piece of the vehicle information matching the vehicle ID of the vehicle  10  for which the insurance premium is to be set from a plurality of pieces of the vehicle information stored in the vehicle information storage unit  129   a.  The vehicle information includes information concerning the vehicle  10  such as a vehicle type, a year, a lot number and a type of the battery  130  mounted on the vehicle, and an insurance premium amount, a type, a class, a discount service, and the like of insurance currently applied to the vehicle. 
     The risk calculation unit  123  acquires, from the battery information storage unit  129   b,  the battery information matching the vehicle ID of the vehicle  10  for which the insurance premium is to be set. The risk calculation unit  123  calculates a degree of risk based on numerical values related to the ignition factor such as the lithium precipitation amount and the minute short-circuiting amount included in the acquired battery information. 
     The degree of risk indicates a risk leading to a vehicle fire as an index based on the numerical value related to the ignition factor such as the lithium precipitation amount and the minute short-circuiting amount, and is defined to have a favorable correlation with a possibility of ignition of the battery  130 . To indicate the numerical value related to the ignition factor as an index, it is possible to use various methods such as using a statistical method or using a simulation value. 
     The risk calculation unit  123  may use different methods for calculating the degree of risk depending on a vehicle type, a year, and the like included in the vehicle information acquired by the vehicle information management unit  122 . 
     The ignition risk determination unit  124  estimates the possibility that the battery  130  is ignited by applying the degree of risk calculated by the risk calculation unit  123  to a correlation between the degree of risk and the possibility that the battery  130  is ignited stored in the correlation storage unit  129   c.  The ignition risk determination unit  124  also determines an ignition risk of the battery  130  in the vehicle  10  based on an estimation result of the possibility of ignition. 
     The correlation storage unit  129   c  may store a plurality of correlations corresponding to a vehicle type, a year, and the like, and the ignition risk determination unit  124  may determine the ignition risk by using the correlation corresponding to a vehicle type, a year, and the like included in the vehicle information acquired by the vehicle information management unit  122 . 
     The insurance premium determination unit  125  refers to an insurance premium amount table stored in the insurance premium amount storage unit  129   d,  and determines the insurance premium set for the vehicle  10  based on a determination result of the ignition risk determination unit  124  while taking into account a class and the like of the insured person who owns the vehicle  10 . The class of the insured person may be set based on an accident history, an offense history, and the like of the insured person as usual. 
     The insurance premium amount storage unit  129   d  stores a plurality of insurance premium amount tables corresponding to a vehicle type, a year, and the like. In each of the insurance premium amount tables, the insurance premium amount corresponding to the class of the insured person and the ignition risk of the vehicle  10  is set. 
     As the timing at which the insurance premium is determined by the server device  20  as described above, for example, exemplified are a timing of a new contract, a timing given number of days before or given number of months before an update date, and the like based on the update date. 
     The transmission unit  126  adds the vehicle ID to the information on the insurance premium determined by the insurance premium determination unit  125 , and transmits the information to the information terminal  301  of the insurance company  30 . Due to this, the insurance company  30  can receive a service of providing the insurance premium that should be set for the vehicle  10  of the insured person corresponding to the vehicle ID. 
     The following describes some examples in which the insurance premium is determined by the server device  20 . 
     In a case in which the vehicle  10  for which the insurance premium is to be set is a new car, numerical values related to the ignition factor such as the lithium precipitation amount and the minute short-circuiting amount are not so largely different between the same vehicle types. Thus, the server device  20  determines the insurance premium merely based on the vehicle type, the class of the insured person, and the like for a new car. Thereafter, as the year of the vehicle  10  gets older, the state of the battery  130  is reflected in the insurance premium. 
     On the other hand, in a case in which the insured person purchases a used car as the vehicle  10  for which the insurance premium is to be set, the numerical values related to the ignition factor such as the lithium precipitation amount and the minute short-circuiting amount may be different even between the same vehicle types due to a use history and the like of the used car at that point. Due to this, the insured person who purchased the used car the numerical values of which are bad appears to be disadvantageous because a high insurance premium is set therefor. 
     However, in a case in which the insured person makes efforts at driving and using the battery  130  not to damage the battery  130 , a price-rise rate of the insurance premium at the time of update is suppressed to be low. Thus, in the long term, the insured person can get an advantage corresponding to such efforts. 
     Example of Insurance Premium Determination Processing Performed by Server Device 
       FIG.  5    is a flowchart illustrating an example of a procedure of insurance premium determination processing performed by the server device  20  according to the first embodiment. In starting the processing illustrated in  FIG.  5   , it is assumed that the server device  20  has already acquired the vehicle information such as a vehicle type, a year, and an insurance premium amount, a type, a class, a discount service, and the like of insurance currently applied to the vehicle for the insured person as a customer of the insurance company  30 , and has already stored the acquired vehicle information in the vehicle information storage unit  129   a.    
     As illustrated in  FIG.  5   , the reception unit  121  of the server device  20  receives the battery information generated by the BMU  101  from the vehicle control system  110  of the specific vehicle  10  (Step S 101 ). The reception unit  121  stores the received battery information in the battery information storage unit  129   b  (Step S 102 ). The reception unit  121  continues the processing at Steps S 101  and S 102  until a timing when the insurance premium determination unit  125  determines the insurance premium (Step S 103 ). 
     When the timing at which the insurance premium determination unit  125  determines the insurance premium comes (Yes at Step S 103 ), the vehicle information management unit  122  acquires, from the vehicle information storage unit  129   a,  the vehicle information concerning the vehicle  10  for which the insurance premium is determined (Step S 104 ). 
     The risk calculation unit  123  acquires the battery information on the vehicle  10  for which the insurance premium is determined from the battery information storage unit  129   b,  and calculates the degree of risk based on the estimated value of the lithium precipitation amount and the estimated value of the minute short-circuiting amount included in the acquired battery information (Step S 105 ). 
     The ignition risk determination unit  124  applies the degree of risk calculated by the risk calculation unit  123  to the correlation stored in the correlation storage unit  129   c,  and estimates the possibility of ignition of the battery  130  mounted on the vehicle  10  (Step S 106 ). 
     The ignition risk determination unit  124  also determines the ignition risk of the vehicle  10  based on the estimated possibility of ignition (Step S 107 ). 
     The insurance premium determination unit  125  acquires, from the insurance premium amount storage unit  129   d,  the insurance premium amount table corresponding to a vehicle type and a year of the vehicle information acquired by the vehicle information management unit  122 , and determines the insurance premium based on a class indicated by the vehicle information and a determination result obtained by the ignition risk determination unit  124  (Step S 108 ). 
     The transmission unit  126  transmits information including the insurance premium determined by the insurance premium determination unit  125  to the information terminal  301  of the insurance company  30  (Step S 109 ). 
     As described above, the insurance premium determination processing performed by the server device  20  according to the first embodiment ends. 
     Overview 
     In electric motor vehicles such as an electric vehicle, a vehicle fire is caused by a battery. A fire caused by the battery includes a fire caused by a manufacturing defect and the like in addition to a fire caused by a method of using the vehicle and the battery. 
     However, in a present insurance system, the insurance premium is determined to be a uniform premium in accordance with a vehicle equipped with an internal combustion engine using gasoline and the like, and the premium is not determined depending on the state of the battery. In this way, a mechanism of reflecting the risk of ignition of the battery in the insurance premium is not established, so that the insurance premium is not appropriately set in some cases. 
     The server device  20  according to the first embodiment calculates the degree of risk indicating the risk of ignition of the battery  130  as an index based on the information concerning the ignition factor of the battery  130  mounted on the vehicle  10 , and determines the insurance premium in accordance with the degree of risk. Due to this, the insurance premium can be appropriately set in accordance with the state of the battery  130 . 
     The server device  20  according to the first embodiment causes the information concerning the ignition factor to include the lithium precipitation amount in the battery  130 , and acquires the lithium precipitation amount estimated from the voltage variation and the current variation in the battery  130  during charge and discharge. Due to this, the state of the battery  130  can be appropriately determined. 
     The server device  20  according to the first embodiment acquires the lithium precipitation amount that is estimated by using the voltage variation and the current variation at the time when the SOC of the battery  130  falls within the given range, the charging current is constant, and the discharging current is constant. Due to this, a highly accurate estimated value of the lithium precipitation amount can be used, and the state of the battery  130  can be more appropriately determined. 
     The server device  20  according to the first embodiment causes the information concerning the ignition factor to include the minute short-circuiting amount in the battery  130 , and acquires the minute short-circuiting amount that is estimated from the voltage variation in the battery  130  when charge and discharge are not performed. Due to this, the state of the battery  130  can be appropriately determined. 
     The server device  20  according to the first embodiment acquires the minute short-circuiting amount that is estimated by using the voltage variation at the time when the SOC of the battery  130  falls within the given range and the temperature of the battery  130  is equal to or higher than the given temperature. Due to this, a highly accurate estimated value of the minute short-circuiting amount can be used, and the state of the battery  130  can be more appropriately determined. 
     The server device  20  according to the first embodiment determines the ignition risk of the battery  130  based on the correlation between the degree of risk and the possibility that the battery  130  is ignited, and determines the insurance premium based on the determination result of the ignition risk. In this way, the insurance premium is determined based on the degree of risk indicated as an index to have a high correlation with the possibility that the battery  130  is ignited, so that a procedure of determining the insurance premium can be more generalized, and the insurance premium can be appropriately determined. 
     The information on the insurance premium based on the function of the server device  20  according to the first embodiment described above may be provided to a used car dealer, a used car distribution market, and the like. Due to this, for example, by causing a used vehicle to have information on an insurance premium of the used vehicle to be marketed, value can be added thereto. 
     Second Embodiment 
     The following describes a second embodiment with reference to the drawings. The server device according to the second embodiment is different from that in the first embodiment described above in that information related to handling of the battery by the insured person is reflected in the insurance premium. 
     Configuration Example of Insurance Premium Determining System 
       FIG.  6    is an entire view illustrating an example of a configuration of an insurance premium determining system  2  according to the second embodiment. As illustrated in  FIG.  6   , the insurance premium determining system  2  includes the vehicle control system  110  mounted on the vehicle  10 , an information terminal  321  of the insurance company  30 , an information terminal  401  of an insured person  40 , and a server device  220  placed on a cloud. 
     The vehicle  10  and the vehicle control system  110  mounted on the vehicle  10  have the same configurations as those in the first embodiment described above. The vehicle control system  110  communicates with the server device  220  via a wireless or wired network. 
     The information terminal  401  of the insured person  40  is, for example, a smartphone, a cellular telephone, a tablet, a PC, and the like. The information terminal  401  is connected to the server device  220  via a wireless or wired network, and can access information on the battery  130  stored in the server device  220 . 
     The server device  220  as an information processing device has a function of receiving the battery information concerning the battery  130  transmitted from each of the vehicles  10 , and determining the insurance premium set for each of the vehicles  10  based on the information. At this point, the server device  220  also refers to information concerning handling of the battery  130  by the insured person  40 . The server device  220  also transmits information on the determined insurance premium to the information terminal  321  of the insurance company  30 . 
     The server device  220  also acquires information to be presented to a specific insured person  40 , for example, from the information terminal  321  of the insurance company  30 . The server device  220  also presents the acquired information to the insured person  40  as a presentation target. 
     The information terminal  321  possessed by the insurance company  30  is connected to the server device  220  in a wireless or wired manner, and receives, from the server device  220 , the information on the insurance premium determined by the server device  220 . The information terminal  321  also generates, for the specific insured person  40 , information to be presented to the insured person  40 , and transmits the information to the server device  220 . 
     Functional Configuration Example of Server Device 
       FIG.  7    is a block diagram illustrating an example of a functional configuration of the server device  220  according to the second embodiment. As illustrated in  FIG.  7   , the server device  220  includes a reception unit  221 , an insured person information management unit  222 , a risk calculation unit  223 , an ignition risk determination unit  224 , a handling determination unit  227 , an insurance premium determination unit  225 , a transmission unit  226 , an information presentation unit  228 , an insured person information storage unit  229   a,  a battery information storage unit  229   b,  a correlation storage unit  229   c,  and an insurance premium amount storage unit  229   d.    
     The server device  220  is a computer including a microcontroller that includes a processor, a RAM, and a ROM, for example. The microcontroller may include an input/output circuit, a storage device, and the like. The processor reads out and executes a computer program stored in the ROM and the like to implement a function corresponding to each of the units described above. 
     The computer program executed by the server device  220  may be recorded and provided in a computer-readable recording medium such as a CD-ROM, a flexible disk, a CD-R, and a DVD as an installable or executable file. 
     The computer program executed by the server device  220  may be stored in a computer connected to a network such as the Internet, and downloaded or executed via the network. 
     Alternatively, part or all of the functions corresponding to the respective units described above may be implemented by a dedicated hardware circuit. 
     The reception unit  221  receives the battery information concerning the battery  130  that is collected by the BMU  101  of the vehicle control system  110  mounted on the vehicle  10  and transmitted from the ECU  102  via the TCU  104  and the CGW  103 . The reception unit  221  stores the received battery information in the battery information storage unit  229   b.    
     The reception unit  221  also receives the information to be presented to the specific insured person  40  from the information terminal  321  of the insurance company  30 . The information terminal  321  of the insurance company  30  adds a driver ID, as identification information with which the insured person  40  is uniquely identifiable, to the information desired to be presented to the specific insured person  40 , and transmits the information to the server device  220 . 
     The insured person information management unit  222  manages insured person information stored in the insured person information storage unit  229   a.  The insured person information is generated by the information terminal  321  of the insurance company  30  and the like, for example, for each of insured persons  40  as a customer of the insurance company  30 , and transmitted to the server device  220  after the driver ID is added thereto. The insured person information management unit  222  stores the transmitted insured person information in the insured person information storage unit  229   a  to be managed. 
     At the timing when the insurance premium determination unit  225  determines the insurance premium, the insured person information management unit  222  acquires a piece of the insured person information matching the driver ID and the like corresponding to the vehicle  10  for which the insurance premium is set from among a plurality of pieces of the insured person information stored in the insured person information storage unit  229   a.    
     The insured person information includes information concerning the vehicle  10  such as a vehicle type and a year of the vehicle  10  for which the insurance premium is set and vehicle insurance or the like is contracted, the vehicle  10  owned by the insured person  40  while the vehicle ID added to the battery information transmitted from the vehicle  10  is associated with the driver ID of the insured person  40 , a lot number and a type of the battery  130  mounted on the vehicle, and an insurance premium amount, a type, a class, a discount service, and the like of insurance currently applied to the vehicle. 
     The insured person information also includes information such as a password for permitting the information terminal  401  of the insured person  40  to access the server device  220 . In a case in which the information to be presented to the specific insured person  40  is transmitted from the information terminal  321  and the like of the insurance company  30 , the information is added to the insured person information. 
     The insured person information management unit  222  adds information addressed to the specific insured person  40  received from the information terminal  321  of the insurance company  30  to a piece of the insured person information matching the driving ID added to the received information among a plurality of pieces of the insured person information stored in the insured person information storage unit  229   a,  and stores the information. 
     The risk calculation unit  223 , the ignition risk determination unit  224 , and the correlation storage unit  229   c  have the same configuration and functions as those of the risk calculation unit  123 , the ignition risk determination unit  124 , and the correlation storage unit  129   c  according to the first embodiment described above, respectively. 
     The handling determination unit  227  acquires the battery information matching the driver ID and the vehicle ID as determination targets from a plurality of pieces of the battery information stored in the battery information storage unit  229   b.  The handling determination unit  227  extracts information concerning a handling state of the battery  130  from the acquired battery information, and determines appropriateness of handling of the battery  130  by the insured person  40 . 
     As the information concerning the handling state of the battery  130 , the handling determination unit  227  extracts a history of variation of the value of the SOC, a history of temperature variation of the battery  130 , a use frequency of sudden acceleration and sudden braking, and the like are extracted. 
     The battery  130  such as a lithium ion battery is preferably used with the SOC of about 50% as a median. For example, in a case in which the battery  130  is left for a long time in a state in which the SOC is high, deterioration of the battery  130  may progress. It is also undesirable that the battery  130  is left in a high-temperature state equal to or higher than a given temperature for a long time. Additionally, the battery  130  may be damaged by repeated charge and discharge or sudden acceleration when the battery  130  is in a low-temperature state equal to or lower than a given temperature. 
     The handling determination unit  227  determines whether handling of the battery  130  by the insured person  40  is appropriate, or whether the battery  130  is easily damaged by the handling, based on various numerical values extracted from the battery information. 
     The insurance premium determination unit  225  refers to an insurance premium amount table stored in the insurance premium amount storage unit  229   d,  and determines the insurance premium set for the vehicle  10  based on a determination result of the ignition risk determination unit  224  and a determination result of the handling determination unit  227  while taking into account a class and the like of the insured person  40  who owns the vehicle  10 . The class of the insured person  40  may be set based on an accident history, an offense history, and the like of the insured person  40  as usual. 
     The insurance premium amount storage unit  229   d  stores a plurality of insurance premium amount tables corresponding to a vehicle type, a year, and the like. In each of the insurance premium amount tables, the insurance premium amount corresponding to the class of the insured person  40 , the ignition risk of the vehicle  10 , and the handling state of the battery  130  is set. The insurance premium amount storage unit  229   d  may also store information concerning a discount system for the insurance premium corresponding to the handling state of the battery  130 . 
     The insurance premium determination unit  225  determines whether each of the insured persons  40  can be an application target of the discount system stored in the insurance premium amount storage unit  229   d,  and may apply the discount system to the insured person  40  appropriately handling the battery  130 . 
     The insurance premium determination unit  225  also compares the finally determined insurance premium with the pre-updated insurance premium. In a case in which the currently determined insurance premium is increased beyond a given rate as compared with the pre-updated insurance premium, the insurance premium determination unit  225  causes information concerning this fact to be included in the information on the insurance premium to be transmitted to the insurance company  30 . 
     The transmission unit  226  adds the vehicle ID to the information on the insurance premium determined by the insurance premium determination unit  125 , and transmits the information to the information terminal  321  of the insurance company  30 . In a case in which the insurance premium determination unit  225  adds, to the information on the insurance premium, the information indicating that the currently determined insurance premium is increased beyond the given rate as compared with the previous insurance premium, the transmission unit  226  additionally transmits the information on the increase in the insurance premium. 
     In a case in which the information on the insurance premium of the given insured person  40  received from the server device  220  includes the information on the increase in the insurance premium, the information terminal  321  of the insurance company  30  generates information on a current state of the battery  130  mounted on the vehicle  10  of the insured person  40  as information to be presented to the insured person  40 , and transmits the information to the server device  220 . 
     In a case in which the current insurance premium is increased beyond the given rate as compared with the previous insurance premium, it can be considered that handling of the battery  130  by the insured person  40  is not appropriate, and an undesirable state has been caused such that deterioration of the battery  130  progresses more than usual. By presenting the current state of the battery  130  to the insured person  40 , the insured person  40  can notice that deterioration of the battery  130  progresses, for example. 
     The information terminal  321  may also transmit, to the server device  220 , a guideline and the like describing a method for appropriately handling the battery  130  as the information to be presented to the insured person  40 . Due to this, the insured person  40  can receive coaching for properly handling the battery  130 , and the insured person  40  is enabled to appropriately handle the battery  130 . 
     The information for the insured person  40  transmitted from the information terminal  321  to the server device  220  is received by the reception unit  221 , added to the insured person information of the insured person  40  by the insured person information management unit  222 , and stored in the insured person information storage unit  229   a.    
     The information presentation unit  228  receives access to the server device  220  from the information terminal  401  of the insured person  40 . The insured person  40  can access the server device  220  from the information terminal  401  owned by himself/herself by inputting a driver ID and a password, for example. The information presentation unit  228  refers to the insured person information storage unit  229   a,  and determines whether there is insured person information matching the driver ID and the password input via the information terminal  401  of the insured person  40 . 
     In a case in which there is insured person information matching the input driver ID and password, the information presentation unit  228  permits the insured person  40  to access the server device  220 . In a case in which the insured person information matching the input driver ID and password includes the information to be presented to the insured person  40 , the information presentation unit  228  causes the information terminal  401  of the insured person  40  to display the information. 
     Due to this, the insured person  40  can check the information from the insurance company  30  via the server device  220 . 
     Example of Insurance Premium Determination Processing Performed by Server Device 
       FIG.  8    is a flowchart illustrating an example of a procedure of insurance premium determination processing performed by the server device  220  according to the second embodiment. In starting the processing illustrated in  FIG.  8   , it is assumed that the server device  220  has already acquired basic information such as a password, a vehicle type, a year, and an insurance premium amount, a type, a class, a discount service, and the like of insurance currently applied to the vehicle among the pieces of insured person information for the insured person  40  as a customer of the insurance company  30 , and has already stored the acquired insured person information in the insured person information storage unit  229   a.    
     As illustrated in  FIG.  8   , the reception unit  221  of the server device  220  receives the battery information generated by the BMU  101  from the vehicle control system  110  of the specific vehicle  10  (Step S 201 ), and stores the received battery information in the battery information storage unit  229   b  (Step S 202 ). Until a timing of determining the insurance premium (Step S 203 ), the processing at Steps S 201  and S 202  is repeated. 
     When the timing of determining the insurance premium comes (Yes at Step S 203 ), the insured person information management unit  222  acquires, from the insured person information storage unit  229   a,  the insured person information concerning the insured person  40  of the vehicle  10  for which the insurance premium is determined (Step S 204 ). 
     The risk calculation unit  223  calculates the degree of risk based on the estimated value of the lithium precipitation amount and the estimated value of the minute short-circuiting amount for the vehicle  10  for which the insurance premium is determined (Step S 205 ). The ignition risk determination unit  224  applies the calculated degree of risk to the correlation with the possibility of ignition to estimate the possibility of ignition (Step S 206 ), and determines the ignition risk of the vehicle  10  based on the estimated possibility of ignition (Step S 207 ). 
     The handling determination unit  227  acquires, from the battery information storage unit  129   b,  the battery information on the vehicle  10  for which the insurance premium is determined, and determines appropriateness of handling of the battery  130  by the insured person  40  of the vehicle  10  for which the insurance premium is determined based on information such as a history of variation of the value of the SOC, a history of temperature variation of the battery  130 , a use frequency of sudden acceleration and sudden braking, and the like included in the acquired battery information (Step S 208 ). 
     The insurance premium determination unit  225  determines the insurance premium to be set for the vehicle  10  of interest based on a determination result of the handling determination unit  227  and a determination result of the ignition risk determination unit  224  (Step S 209 ). 
     The insurance premium determination unit  225  also determines whether there is a discount system that can be applied to the vehicle  10  of interest among various discount systems stored in the insurance premium amount storage unit  229   d  based on the determination result of the handling determination unit  227  (Step S 210 ). 
     If the insured person  40  is appropriately handling the battery  130 , and there is an applicable discount system due to a good determination result of the handling determination unit  227  and the like (Yes at Step S 210 ), the insurance premium determination unit  225  discounts the determined insurance premium by applying the discount system (Step S 211 ). 
     If there is no applicable discount system (No at Step S 210 ), the insurance premium determination unit  225  advances the process to subsequent Step S 212  without a discount. 
     The insurance premium determination unit  225  determines whether the currently determined insurance premium is increased beyond the given rate as compared with the pre-updated insurance premium (Step S 212 ). If the current insurance premium is increased beyond the given rate as compared with the pre-updated insurance premium (Yes at Step S 212 ), the insurance premium determination unit  225  generates information on the insurance premium to which information concerning the increase in the insurance premium is added (Step S 213 ). 
     If the current insurance premium is not increased beyond the given rate as compared with the pre-updated insurance premium (No at Step S 212 ), the insurance premium determination unit  225  generates the information on the insurance premium without adding additional information thereto. 
     The transmission unit  226  transmits, to the information terminal  321  of the insurance company  30 , the information concerning the insurance premium generated by the insurance premium determination unit  225  (Step S 214 ). 
     The reception unit  221  waits for transmission, from the information terminal  321  of the insurance company  30 , of the information to be presented to the insured person  40  whose current insurance premium is increased beyond the given rate as compared with the pre-updated insurance premium (Step S 215 ). 
     If the reception unit  221  receives the information to be presented to the insured person  40  from the information terminal  321  (Yes at Step S 215 ), the insured person information management unit  222  adds the information to a corresponding piece of the insured person information to be stored in the insured person information storage unit  229   a  (Step S 216 ). 
     The information presentation unit  228  waits for access to the server device  220  from the information terminal  401  of the insured person  40  (Step S 217 ). If the driver ID and the password are input via the information terminal  401  and access is made to the server device  220  (Yes at Step S 217 ), the information presentation unit  228  refers to the insured person information storage unit  229   a,  to verify the input driver ID and password (Step S 218 ). 
     If the input driver ID and password are not adapted (No at Step S 218 ), the information presentation unit  228  does not permit the information terminal  401  to access the server device  220 , and continuously waits for access from the information terminal  401  (Step S 217 ). 
     If the input driver ID and password are successfully authenticated (Yes at Step S 218 ), the information presentation unit  228  permits the information terminal  401  to access the server device  220  (Step S 219 ). 
     The information presentation unit  228  determines whether there is information to be presented to the insured person  40  having the information terminal  401  to which access permission is given (Step S 220 ). If there is information to be presented (Yes at Step S 220 ), the information presentation unit  228  causes the information terminal  401  to display the information (Step S 221 ). 
     If there is no information to be presented (No at Step S 220 ), the information presentation unit  228  ends the processing without causing the information terminal  401  to display the information. 
     As described above, the insurance premium determination processing performed by the server device  220  according to the second embodiment ends. 
     Overview 
     A vehicle fire caused by a battery in electric motor vehicles includes a fire the responsibility for which is not appropriately taken by the insured person, such as a fire caused by a manufacturing defect, in addition to a fire caused by the insured person such as a case in which the battery is inappropriately used as described above. However, in the current insurance system, the premium is not determined in accordance with how the battery is used by the insured person and the state of the battery at the time of purchase. Thus, the insured person who appropriately uses the battery may feel a sense of unfairness in some cases. 
     The server device  220  according to the second embodiment determines the insurance premium based on the information concerning handling of the battery  130  by the insured person  40 . Due to this, the insurance premium can be appropriately set in accordance with the state of the battery  130 . Additionally, an advantage is given such that a low insurance premium is applied to the vehicle  10  of the insured person  40  who appropriately uses the battery  130 , and a sense of unfairness of the insured person can be alleviated. 
     Regarding the server device  220  according to the second embodiment, the information concerning handling of the battery  130  includes a history of at least one of the SOC of the battery  130  and the temperature of the battery  130 . Due to this, it is possible to accurately determine how the battery  130  is handled by the insured person  40 . 
     The server device  220  according to the second embodiment determines whether to apply the discount system for the insurance premium based on the information concerning handling of the battery  130 . Due to this, the insurance premium of the insured person  40  who appropriately handles the battery  130  is discounted, and a sense of unfairness of the insured person is alleviated. 
     In a case in which the insurance premium determined by using the information concerning handling of the battery  130  is increased beyond the given rate as compared with the pre-updated insurance premium, the server device  220  according to the second embodiment presents the information concerning the state of the battery  130  to the insured person  40 . Due to this, the insured person  40  can recognize that handling of the battery  130  by himself/herself is inappropriate, and the insured person  40  can be encouraged to improve handling. Accordingly, deterioration of the battery  130  can be suppressed, and a risk of a vehicle fire caused by the battery  130  can be reduced. 
     The server device  220  according to the second embodiment presents the information concerning the method for handling the battery  130  to the insured person  40 . Due to this, the insured person  40  can find out an appropriate method for handling the battery  130 , deterioration of the battery  130  can be suppressed, and a risk of a vehicle fire caused by the battery  130  can be reduced. 
     In the second embodiment described above, it is assumed that the insurance premium determination unit  225  calculates a rate of increase of the current insurance premium, and the information presentation unit  228  presents the information to the insured person  40  whose insurance premium is increased beyond the given rate. Alternatively, for example, it may be assumed that the handling determination unit  227  regularly or irregularly extracts insured persons who inappropriately handle the battery, and the information may be presented to the insured persons. 
     In the second embodiment described above, it is assumed that the insured person  40  accesses the server device  220  by using the information terminal  401 , and checks the information concerning the state of the battery  130  and the like addressed to himself/herself. However, a method for presenting the information to the specific insured person  40  is not limited thereto. 
     For example, in a case in which the server device has email address information and the like of the insured persons  40  in the insured person information and the like, and acquires the information to be presented to a specific one of the insured persons  40  from the information terminal  321  of the insurance company  30 , the server device may transmit the information to the email address of the specific insured person  40 . In this case, it is assumed that the insurance company  30  obtains consent of the insured person  40  in advance to use such an email address of the insured person  40 . 
     In the second embodiment described above, it is assumed that the information terminal  321  of the insurance company  30  generates the information to be presented to the insured person  40 , and transmits the information to the server device  220 . Alternatively, the server device may generate the information for the insured person  40 . 
     In this case, the server device may transmit the generated information to the information terminal of the insurance company  30 , may present the information to the information terminal  401  of the insured person  40  that has accessed the server device after obtaining consent of the insurance company  30 , or may transmit the information to the information terminal  401  of the insured person  40 . 
     First Modification 
     Next, the following describes the server device according to a first modification of the second embodiment. The server device according to the first modification is different from that in the second embodiment described above in that the server device according to the first modification determines the insurance premium to be set for the insured person. 
     The insured person information management unit as an identification information management unit included in the server device as an information processing device according to the first modification associates the driver ID as identification information on the insured person with the information concerning handling of the battery by the insured person to be managed. 
     The insurance premium determination unit included in the server device according to the first modification determines the insurance premium to be set for the insured person based on the information concerning handling of the battery by the insured person. The insured person may be a corporation such as an enterprise, an organization, an association, or the like. 
     Insurance as an object of the server device according to the first modification may be driver insurance applied to a driver himself/herself, one-day automobile insurance, and the like in a case in which the driver rents a vehicle of a friend or an acquaintance, in a case in which the driver drives a vehicle of a ride-sharing service or a car-sharing service, and the like. In this case, the vehicle to be covered by the insurance may be, for example, a vehicle rented from a friend or an acquaintance, an allocated vehicle that is allocated by a ride-sharing service, a car-sharing service, or the like, a vehicle used for commodity distribution such as delivery work, a leased vehicle, and the like. In a case in which the vehicle for which the insurance is contracted is a leased vehicle, by providing information for a lease dealer, for example, the lease dealer can variously use the provided information by reflecting an amount of the insurance premium in a lease price. 
     The server device according to the first modification associates the driver ID with which the insured person can be uniquely identified with the information concerning handling of the battery to be managed. The insurance premium determined by the server device is set for the insured person. Due to this, the insurance premium can be determined for driver insurance, one-day automobile insurance, and the like, and convenience for the insured person is improved. 
     Second Modification 
     Next, the following describes the server device according to a second modification of the second embodiment. An addition system of the insurance premium corresponding to the handling state of the battery is applied to the server device according to the second modification. 
     The insurance premium amount storage unit according to the second modification stores various kinds of information similar to those in the insurance premium amount storage unit  229   d  according to the second embodiment described above. The insurance premium amount storage unit according to the second modification may also store information concerning the addition system of the insurance premium corresponding to the handling state of the battery. 
     The insurance premium determination unit according to the second modification may determine, for each of the insured persons, whether the insured person can be an application target of the addition system stored in the insurance premium amount storage unit, and may apply the addition system to the insured person who roughly handles the battery. 
     Typically, in a case of not introducing the server device, the insurance premium determining method, and the system according to the present disclosure, the insurance premium is not set in accordance with the state of the battery, so that vehicle insurance is indiscriminately set even for a person who uses a vehicle in a battery-friendly manner, and such an insured person feels a sense of unfairness. 
     With the server device according to the second modification, the state of (method of using) the battery is reflected in the insurance premium, and the insurance premium may be set to be high for some insured persons. That is, the insurance premium becomes high for the insured person who roughly handles the battery and uses a vehicle in a way that easily causes the battery to be in a state in which the ignition risk is high, and the insurance premium becomes low for the insured person who does not roughly handle the battery and uses a vehicle in a way that hardly causes the battery to be in a state in which the ignition risk is high. 
     In this way, the insurance premium of the insured person is set in accordance with handling of the battery, so that a sense of fairness of the insured person about the insurance premium is heightened. Furthermore, regarding the insured person who roughly handles the vehicle in a way that easily damages the battery, motivation for lowering the insurance premium by appropriately handling the vehicle is enhanced. Accordingly, such an insured person improves the method for using the battery to be battery-friendly, so that a service life of the battery can be prolonged, and as a result, convenience for the insured person, the lease dealer, or the like can be enhanced. 
     The functional configurations of the server device and the functional configurations of the BMU  101  according to the first and the second embodiments described above and the first and the second modifications thereof are merely examples. The server device and the BMU  101  do not necessarily include all of the functional configurations described above, or may include another functional configuration in addition to the functional configurations described above. Alternatively, the ECU or the BMU may include part or all of the functional configurations of the server device, or the server device may include part or all of the functional configurations of the BMU. That is, the information processing device according to the present disclosure is not limited to the server device according to the first and the second embodiments described above and the first and the second modification thereof, but may be the ECU, the BMU, or the like. 
     The embodiments of the present disclosure have been described above. These embodiments are merely examples, and do not intend to limit the scope of the invention. These embodiments can be implemented in various other forms, and can be variously omitted, replaced, and modified without departing from the gist of the invention. These embodiments and the modifications thereof are encompassed by the scope and the gist of the present invention, and also encompassed by the invention described in CLAIMS and an equivalent thereof.