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`fa
`
`TRANSPERFECT
`
`AFFIDAVIT OF ACCURACY
`
`I, Ray Allen, hereby certify that the following is, to the best of my knowledge
`and belief, a true and accurate translation of the enclosed documents (Risk
`evaluation device and insurance premium determination device by
`Masatsune Kosaka) from French into English.
`
`Ra Allen
`
`TransPerfect Translations, Inc.
`601 Thirteenth St, NW, Ste 370 S
`
`Washington, DC 20005
`
`Sworn to before me this
`
`tst day of September 2010
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`-
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`=
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`Signature, Notary Public
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`ALLISON SNITZER
`NOTARY Puerrc
`District of Columbia
`My Cwnmission Expires
`January ‘i. 2015
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`Stamp, Notary Public
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`Washington, 00.
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`601 THIRTEENTH STREET, NW, SUITE 370 SOUTH, WASHINGTON, DC 20005 T 202.347.2300 F 2023416861 WWWTRANSPERFECTCOM
`
`Page 000016
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`

`(19) Japan Patent Office (JP)
`(12) Japanese Unexamined Patent
`Application Publication (A)
`Identification codes
`JPO file numbers
`T
`7218-5L
`U
`8724-5B
`
`330
`
`(11) Japanese Unexamined Patent
`Application Publication
`H4-182868
`
`(43) Publication date June 30, 1992
`
`Request for examination Not yet requested Number of claims 17 (Total of 13 pages)
`
`(51) Int. Cl.5
`G 06 F
`15/21
`9/44
`
`(54) Title of the invention
`
`(72) Inventor
`
`(71) Applicant
`
`Omron Corp.
`
`(74) Agent
`
`Patent attorney Hisao KOMORI
`
`RISK EVALUATION DEVICE AND INSURANCE PREMIUM DETERMINATION
`DEVICE
`(21) Japanese Patent Application
`(22) Date of Application
`Masatsune KOSAKA
`
`H2-313737
`November 19, 1990
`Ə 2PURQ &RUS
`10 Hanazono Tsuchido-cho, Ukyo-ku, Kyoto-shi
`Kyoto-fu
`10 Hanazono Tsuchido-cho, Ukyo-ku, Kyoto-shi
`Kyoto-fu
`
`SPECIFICATION
`1. TITLE OF THE INVENTION
`Risk Evaluation Device and Health Insurance
`Premium Determination Device
`2. SCOPE OF PATENT CLAIMS
`(1) A risk evaluation device, characterized by
`comprising a risk contributing state detection means
`that detects a state that contributes to risk in the sub-
`ject being evaluated for risk;
`and a risk evaluation means that evaluates risk
`based on this state,
`where said risk evaluation means has a risk eval-
`uation part that operates via fuzzy logic.
`(2) The risk evaluation device according to
`Claim 1, wherein the subject being evaluated for risk
`is a moving body that is being operated or the opera-
`tor thereof, and the risk contributing state detection
`means has a relative speed detection means and inte-
`gration means thereof that detects speed relative to a
`preceding moving body and a means for detecting the
`reflected wave level from the preceding moving
`body, where said fuzzy logic is carried out on the
`output of said integration means and the input value
`of said reflected wave level.
`(3) The risk evaluation device according to
`Claim 1, characterized by comprising a means for
`detecting the moving state of a moving body, where
`
`this detected value is included in said fuzzy logic
`input values.
`(4) The risk evaluation device according to
`Claim 3, characterized by comprising a means for
`detecting an evaluation value for the moving body
`control operation density, where this evaluation value
`is included in the aforementioned fuzzy logic input
`values.
`(5) The risk evaluation device according to
`Claim 1, which comprises a means for generating a
`warning when the evaluated risk level is at or above a
`set [value].
`(6) An insurance premium determination device,
`characterized by having the risk evaluation device
`according to Claim 1, and an insurance premium
`change determination means that determines the in-
`surance premium change for the insurance customer
`from the risk evaluation value, taking the subject of
`risk evaluation as the insurance customer.
`(7) The insurance premium determination device
`according to Claim 6, characterized by comprising a
`means for settlement of monetary amount based on
`the determined insurance premium change relative to
`a prepayment amount.
`(8) The insurance premium determination device
`according to Claim 6, characterized by comprising a
`means for credit settlement of the monetary amount
`based on the determined insurance premium change.
`
`-421-
`
`Page 000017
`
`

`

`Japanese Unexamined Patent Application Publication H4-182868
`(2)
`
`(9) An insurance premium determination device,
`which comprises:
`a risk contributing state detection means that de-
`tects a state that contributes to risk in the insurance
`customer which is the subjected of risk evaluation;
`a risk evaluation means that evaluates risk based
`on this state; and
`an insurance premium change determination
`means that determines the insurance premium change
`for the insurance customer from said risk evaluation
`value.
`(10) The insurance premium determination de-
`vice according to Claim 9, characterized by compris-
`ing a means for settlement of monetary amount based
`on the determined insurance premium change relative
`to a prepayment amount.
`(11) The insurance premium determination de-
`vice according to Claim 9, characterized by compris-
`ing a means for credit settlement of the monetary
`amount based on the determined insurance premium
`change.
`(12) The insurance premium determination de-
`vice according to Claim 9, wherein the risk contribut-
`ing state detection means is a means for detecting an
`internal state of the insurance customer.
`(13) The insurance premium determination de-
`vice according to Claim 9, wherein the risk contribut-
`ing state detection means is a means for detecting an
`external state of the insurance customer.
`(14) The insurance premium determination de-
`vice according to Claim 9, characterized in that the
`risk contributing state detection means and the risk
`evaluation means operate in real time.
`(15) The insurance premium determination de-
`vice according to Claim 14, wherein the insurance
`premium change determination means also operates
`in real time.
`(16) The insurance premium determination de-
`vice according to Claim 9, wherein the risk evalua-
`tion means has a risk evaluation part that operates via
`fuzzy logic.
`(17) The insurance premium determination de-
`vice according to Claim 9, wherein the risk contribut-
`ing state detection means comprises an external sen-
`sor consisting of a static water pressure sensor and a
`water temperature sensor and an internal sensor con-
`sisting of a pulse sensor that detects the pulse of a
`diver, where the risk evaluation means and the insur-
`ance premium change determination means operate
`in real time.
`
`3. DETAILED DESCRIPTION OF THE INVENTION
`(a) FIELD OF INDUSTRIAL APPLICATION
`The present invention relates to a risk evaluation
`device for evaluating risk in moving bodies (vehicles)
`
`or insurance customers, and an insurance premium
`determination device that employs this risk evalua-
`tion device.
`(b) PRIOR ART
`In the past, evaluation of risk in moving bodies
`(vehicles) has involved measuring the distance be-
`tween an object and a preceding moving body or
`fixed object to produce evaluation data and using this
`evaluation data to decide whether to generate a warn-
`ing signal, as disclosed in Japanese Unexamined Pa-
`tent Application Publication S60-85045, Japanese
`Unexamined Patent Application Publication S62-
`58181, and Japanese Unexamined Patent Application
`Publicatio