EP1025523B1 - Electronic appliances for precise management of consumption of insurance premiums subject to any type of contract - Google Patents

Electronic appliances for precise management of consumption of insurance premiums subject to any type of contract Download PDF

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Publication number
EP1025523B1
EP1025523B1 EP97912237A EP97912237A EP1025523B1 EP 1025523 B1 EP1025523 B1 EP 1025523B1 EP 97912237 A EP97912237 A EP 97912237A EP 97912237 A EP97912237 A EP 97912237A EP 1025523 B1 EP1025523 B1 EP 1025523B1
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EP
European Patent Office
Prior art keywords
insurance
key
card
smart card
movement
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Lifetime
Application number
EP97912237A
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German (de)
French (fr)
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EP1025523A1 (en
Inventor
Alain Le Bihan
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Individual
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Individual
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Publication of EP1025523A1 publication Critical patent/EP1025523A1/en
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Expired - Lifetime legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q99/00—Subject matter not provided for in other groups of this subclass

Definitions

  • Such a device is known from WO 94/25 936 and serves basically to warn the user of the date insurance expiry date.
  • a chip carried by a card stores the data relating to the object and the insurance contract.
  • the microprocessor of the device can prevent movement of the object.
  • the object of the invention is to provide a device for type defined above which is capable of apprehending the use made of a mobile object subjected to a insurance contract so that the insured risk could more easily be billed.
  • the invention also relates to such a device which is characterized in that to allow payment determined according to the use of said object, it also includes a GPS system to record displacement in time and space of said object so detect any movement in three reference axes and to apply different insurance pricing according to that the object moves where not.
  • the devices will be fixed, portable, or mobile. Among other things, they will allow easy management of the period of non-use of the insured thing, which companies have a lot of trouble implementing, but who corresponds to a real need.
  • the central unit which will be a reader / writer of smart cards can be achieved in several ways.
  • Microprocessor electronics enclosed in a waterproof and refractory housing at the circuit of the card, will have two independent power supplies, one allowing memories to be saved, the other will be used backup power in case of failure of the primary source when it comes from outside (mobile or fixed).
  • the portable model will have a backup power and another power supply for use.
  • a liquid crystal display will indicate in clear, possibly in several languages, the status of the device: internal management will take, when voltage, the validity of the access code and the smart card, may indicate on the screen a non-exhaustive number information such as date and time, name of the insurance company, subscriber number, end date validity, etc ... with audible and visual alarms for any approach or any passing of any stop, as well as technical alarms (power supply failure, operation, etc ).
  • the keyboard will allow the selection of different menus.
  • the fixed or mobile model can be equipped a remote keyboard, which will be incorporated in the version portable.
  • the first generation device will be equipped with sensitive sensors that will detect any movement in the three axes of reference, which will allow the application a different price, depending on whether there is travel or not.
  • the sensors sensitive can be replaced by a G.P.S. which will inform the computer of any movement, while possibly retaining its navigation aid function.
  • Some devices may have all the above features without using a smart card or special key except the access code, and whose programming (read-write) is done by connection direct, or by modem, with a computer system (computer) can be located with the insurer.
  • the devices are currently feasible, the technology being available.
  • the production methods, the electronic and mechanical solutions are diverse.
  • the mass production of such devices, would allow a substantial lowering of their cost.

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  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

The invention concerns electronic appliances authorised by a confidential code, and operating with cards or keys, sensitive to movements, read by sensors or capable of being GPS-connected, for providing by reading (also of the card or key), the amount of insurance used, thereby enabling the subscriber to pay a reasonable price. Several embodiments can be envisaged, all equipped with crystal liquid displays and digital keyboard. It is also possible to produce them on an industrial scale.

Description

La présente invention est relative à un dispositif électronique capable de gérer l'utilisation d'une prime d'assurance, appliquée à un objet tel qu'un véhicule terrestre, maritime ou aérien soumis à un contrat d'assurance, ce dispositif comprenant:

  • au moins une carte à puce ou une clé dans laquelle sont mémorisées des informations concernant ledit objet et ladite assurance, ladite carte ou ladite clé étant destinée à être lue par une agence d'assurance habilitée, et
  • un appareil porté par ledit objet et capable de lire et d'inscrire des informations sur ladite carte à puce ou ladite clé,
  • ledit appareil comprenant une électronique à microprocesseur, une source d'alimentation, un clavier destiné à l'introduction d'un code confidentiel et une mémoire et un écran d'affichage pour visualiser des informations d'exploitation de l'appareil.
    • The present invention relates to an electronic device capable of managing the use of an insurance premium, applied to an object such as a land, sea or air vehicle subject to an insurance contract, this device comprising:
  • at least one smart card or a key in which information relating to said object and said insurance is stored, said card or said key being intended to be read by an authorized insurance agency, and
  • a device carried by said object and capable of reading and writing information on said smart card or said key,
  • said device comprising microprocessor-based electronics, a power source, a keyboard for entering a confidential code and a memory and a display screen for viewing operating information of the device.

    • Un tel dispositif est connu du WO 94/25 936 et sert essentiellement à prévenir l'utilisateur de la date d'échéance de l'assurance. A cet effet, une puce portée par une carte mémorise les données relatives à l'objet et au contrat d'assurance. Quand l'assurance arrive à échéance et l'utilisateur ne change pas la puce, le microprocesseur du dispositif peut empêcher tout mouvement de l'objet.Such a device is known from WO 94/25 936 and serves basically to warn the user of the date insurance expiry date. For this purpose, a chip carried by a card stores the data relating to the object and the insurance contract. When the insurance expires and the user does not change the chip, the microprocessor of the device can prevent movement of the object.

    L'invention a pour but de fournir un dispositif du type défini ci-dessus qui soit capable d'appréhender l'utilisation qui est fait d'un objet mobile soumis à un contrat d'assurance de telle façon que le risque assuré puisse plus facilement être facturé.The object of the invention is to provide a device for type defined above which is capable of apprehending the use made of a mobile object subjected to a insurance contract so that the insured risk could more easily be billed.

    Elle a donc pour objet un tel dispositif qui est caractérisé en ce que, pour permettre un paiement déterminé en fonction de l'utilisation dudit objet, il comprend également des capteurs de mouvement destinés à détecter tout mouvement de l'objet dans trois axes de référence pour permettre l'application d'une tarification différente d'assurance selon que l'objet se déplace ou non.It therefore relates to such a device which is characterized in that, to allow a specific payment depending on the use of said object, it includes also motion sensors for detecting any movement of the object in three reference axes for allow different pricing to be applied insurance depending on whether the object is moving or not.

    L'invention a également pour objet un tel dispositif qui est caractérisé en ce que, pour permettre un paiement déterminé en fonction de l'utilisation dudit objet, il comprend également un système GPS pour enregistrer les déplacement dans le temps et dans l'espace dudit objet afin de détecter tout mouvement dans trois axes de référence et d'appliquer une tarification différente d'assurance selon que l'objet se déplace où non.The invention also relates to such a device which is characterized in that to allow payment determined according to the use of said object, it also includes a GPS system to record displacement in time and space of said object so detect any movement in three reference axes and to apply different insurance pricing according to that the object moves where not.

    Ainsi, alors qu'à ce jour, on ne pouvait quantifier avec précision l'utilisation de la prime d'assurance, il devient possible avec le dispositif selon l'invention, de procéder à un paiement par utilisation (pay per use).So, while to date, we could not quantify accurately use the insurance premium it becomes possible with the device according to the invention, pay per use.

    Les appareils seront fixes, portables, ou mobiles. Ils permettront entre autres, une gestion aisée de la période de non utilisation de la chose assurée, ce que les compagnies ont beaucoup de mal à mettre en oeuvre mais, qui correspond à un réel besoin.The devices will be fixed, portable, or mobile. Among other things, they will allow easy management of the period of non-use of the insured thing, which companies have a lot of trouble implementing, but who corresponds to a real need.

    A la disposition de l'assuré, deux cartes à puces, validées par l'assureur, et un appareil capable de lire et d'inscrire des informations sur la carte. A chaque mise en service, il y aura un double contrôle; par la carte et par un code confidentiel, entré à l'aide d'un clavier numérique. En fin de période, ou à tout moment, l'utilisateur pourra faire lire sa carte par l'agence habilitée, et ainsi bénéficier d'une réduction de tarif ou encore d'un "bonus" sur la période suivante. Plusieurs autres formules de gestion peuvent être envisagées concernant l'administration. La standardisation du produit lui conférera une très grande souplesse d'utilisation tant entre agences d'un même groupe, nationalement que internationalement, entre groupes différents. At the disposal of the insured, two smart cards, validated by the insurer, and a device capable of reading and write information on the card. Each time service, there will be a double check; by card and by a confidential code, entered using a keyboard digital. At the end of the period, or at any time, the user can have their card read by the agency authorized, and thus benefit from a tariff reduction or another "bonus" over the following period. Many other management options can be considered concerning administration. Product standardization will give it a great flexibility of use so much between agencies of the same group, nationally as internationally, between different groups.

    L'unité centrale, qui sera un lecteur-enregistreur de cartes à puces pourra être réalisé de plusieurs façons.The central unit, which will be a reader / writer of smart cards can be achieved in several ways.

    Points communs à tous les appareils :Points common to all devices:

    Une électronique à microprocesseur, enfermée dans un boítier étanche et réfractaire au niveau du circuit de la carte, possèdera deux alimentations indépendantes, l'une permettant la sauvegarde des mémoires, l'autre servira d'alimentation de secours en cas de défaillance de la source primaire lorsque celle-ci vient de l'extérieur (mobile ou fixe). Le modèle portable sera doté d'une alimentation de sauvegarde et d'une autre alimentation pour l'utilisation.Microprocessor electronics, enclosed in a waterproof and refractory housing at the circuit of the card, will have two independent power supplies, one allowing memories to be saved, the other will be used backup power in case of failure of the primary source when it comes from outside (mobile or fixed). The portable model will have a backup power and another power supply for use.

    Un écran à cristaux liquides indiquera en clair, éventuellement en plusieurs langues, le statut de l'appareil : la gestion interne prendra, à la mise sous tension, la validité du code d'accès et de la carte à puce, pourra indiquer sur l'écran un nombre non exhaustif d'informations telles que date et heure, nom de la compagnie d'assurances, numéro d'abonné, date de fin de validité, etc... avec des alarmes sonores et visuelles pour toute approche ou tout dépassement d'une quelconque butée, ainsi que les alarmes techniques (défaut d'alimentation, de fonctionnement, etc...). Le clavier permettra la sélection de différents menus. Le modèle fixe ou mobile pourra être doté d'un clavier déporté, qui sera incorporé dans la version portable.A liquid crystal display will indicate in clear, possibly in several languages, the status of the device: internal management will take, when voltage, the validity of the access code and the smart card, may indicate on the screen a non-exhaustive number information such as date and time, name of the insurance company, subscriber number, end date validity, etc ... with audible and visual alarms for any approach or any passing of any stop, as well as technical alarms (power supply failure, operation, etc ...). The keyboard will allow the selection of different menus. The fixed or mobile model can be equipped a remote keyboard, which will be incorporated in the version portable.

    L'appareil de première génération sera équipé de capteurs sensibles qui détecteront tout mouvement dans les trois axes de référence, ce qui permettra l'application d'une tarification différente, selon qu'il y a déplacement ou non.The first generation device will be equipped with sensitive sensors that will detect any movement in the three axes of reference, which will allow the application a different price, depending on whether there is travel or not.

    En effet, le risque n'est pas le même dans les deux cas. Dans les appareils plus sophistiqués, les capteurs sensibles peuvent être remplacés par un récepteur G.P.S., qui informera le calculateur de tout déplacement, tout en gardant éventuellement sa fonction d'aide à la navigation.The risk is not the same in both case. In more sophisticated devices, the sensors sensitive can be replaced by a G.P.S. which will inform the computer of any movement, while possibly retaining its navigation aid function.

    Certains appareils pourront avoir toutes les caractéristiques ci-dessus sans utiliser ni carte à puce ni clé spéciale à l'exception du code d'accès, et dont la programmation (lecture-écriture) se fait par connexion directe, ou par modem, avec un système informatique (ordinateur) pouvant se situer chez l'assureur.Some devices may have all the above features without using a smart card or special key except the access code, and whose programming (read-write) is done by connection direct, or by modem, with a computer system (computer) can be located with the insurer.

    Les appareils sont réalisables actuellement, la technologie étant disponible. Les méthodes de réalisation, les solutions électroniques et mécaniques sont diverses. La production industrielle de tels appareils, en masse, permettrait un substantiel abaissement de leur coût.The devices are currently feasible, the technology being available. The production methods, the electronic and mechanical solutions are diverse. The mass production of such devices, would allow a substantial lowering of their cost.

    Ils pourraient être la propriété de chaque compagnie d'assurance, ou être vendus à chaque souscripteur.They could be owned by each company insurance, or be sold to each policyholder.

    Claims (2)

    1. Electronic device capable of managing the use of an insurance premium, applied to an object such as a terrestrial, maritime or airborne vehicle covered by an insurance policy, the device including:
      at least one smart card or a key in which is stored information concerning said object and said insurance, said card or key being adapted to be read by an approved insurance office, and
      a device carried by said object and capable of reading and writing information on said smart card or said key,
      said device including microprocessor-based electronics, a power supply, a keypad for entering a confidential code and a memory, and a display screen for viewing information on operation of the device,
         characterized in that, to enable payment determined according to the use of said object, it also includes movement sensors adapted to detect any movement of the object on three reference axes to allow the application of different pricing for insurance according to whether the object moves or not.
    2. Electronic device capable of managing the use of an insurance premium, applied to an object such as a terrestrial, maritime or airborne vehicle covered by an insurance policy, the device including:
      at least one smart card or a key in which is stored information concerning said object and said insurance, said card or key being adapted to be read by an approved insurance office, and
      a device carried by said object and capable of reading and writing information on said smart card or said key,
      said device including microprocessor-based electronics, a power supply, a keypad for entering a confidential code and a memory, and a display screen for viewing information on operation of the device,
         characterized in that, to enable payment determined according to the use of said object, it also includes a GPS system for recording movement in time and in space of said object in order to detect any movement on three reference axes and to apply different prices for insurance according to whether the object moves or not.
    EP97912237A 1997-10-20 1997-10-20 Electronic appliances for precise management of consumption of insurance premiums subject to any type of contract Expired - Lifetime EP1025523B1 (en)

    Applications Claiming Priority (1)

    Application Number Priority Date Filing Date Title
    PCT/FR1997/001888 WO1999021112A1 (en) 1997-10-20 1997-10-20 Electronic appliances for precise management of consumption of insurance premiums subject to any type of contract

    Publications (2)

    Publication Number Publication Date
    EP1025523A1 EP1025523A1 (en) 2000-08-09
    EP1025523B1 true EP1025523B1 (en) 2002-05-22

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    Family Applications (1)

    Application Number Title Priority Date Filing Date
    EP97912237A Expired - Lifetime EP1025523B1 (en) 1997-10-20 1997-10-20 Electronic appliances for precise management of consumption of insurance premiums subject to any type of contract

    Country Status (6)

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    EP (1) EP1025523B1 (en)
    JP (1) JP2001521226A (en)
    AT (1) ATE217991T1 (en)
    AU (1) AU4950397A (en)
    DE (1) DE69712800D1 (en)
    WO (1) WO1999021112A1 (en)

    Families Citing this family (9)

    * Cited by examiner, † Cited by third party
    Publication number Priority date Publication date Assignee Title
    US8090598B2 (en) 1996-01-29 2012-01-03 Progressive Casualty Insurance Company Monitoring system for determining and communicating a cost of insurance
    US8140358B1 (en) 1996-01-29 2012-03-20 Progressive Casualty Insurance Company Vehicle monitoring system
    KR100430904B1 (en) * 1999-12-23 2004-05-12 주식회사 카포인트 Method and system for prepaid-type processing automobile insurance according to driving distance and time of vehicle
    US7343306B1 (en) 2000-04-20 2008-03-11 International Business Machines Corporation Location-based vehicle risk assessment system
    KR20020045186A (en) * 2000-12-08 2002-06-19 오성준 System and method for managing a insurance event of a vehicle using the cable/radio communications network
    JP3726024B2 (en) * 2001-02-05 2005-12-14 株式会社損害保険ジャパン Insurance premium determination device, insurance premium determination method and insurance premium determination program
    JPWO2003065261A1 (en) * 2002-01-30 2005-05-26 富士通株式会社 Insurance processing system and method using personal behavior information
    JP4487723B2 (en) * 2004-10-15 2010-06-23 ソニー株式会社 Auto insurance premium calculation system, auto insurance premium calculation device, and auto insurance premium calculation program
    US9916625B2 (en) 2012-02-02 2018-03-13 Progressive Casualty Insurance Company Mobile insurance platform system

    Family Cites Families (5)

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    US4667336A (en) * 1985-10-09 1987-05-19 Burlington Industries, Inc. Automatic detection of seat belt usage
    NO165467C (en) * 1988-08-26 1991-02-13 Norwegian Biotronics PROCEDURE FOR THE REGISTRATION OF MOTOR VEHICLE DRIVING AND A DEVICE IN THE FORM OF AN INTERVAL COUNTER FOR EXECUTION OF THE PROCEDURE.
    FR2704670A1 (en) * 1993-04-30 1994-11-04 Laprevotte Jim Administrative and anti-theft control system for vehicle using a dual-memory memory support.
    ES2108613B1 (en) * 1994-09-01 1998-08-01 Perez Salvador Minguijon SYSTEM TO ASSESS RISK IN AUTOMOBILE VEHICLES.
    US5459304A (en) * 1994-09-13 1995-10-17 At&T Ipm Corp. Smart card techniques for motor vehicle record administration

    Also Published As

    Publication number Publication date
    WO1999021112A1 (en) 1999-04-29
    EP1025523A1 (en) 2000-08-09
    ATE217991T1 (en) 2002-06-15
    AU4950397A (en) 1999-05-10
    DE69712800D1 (en) 2002-06-27
    JP2001521226A (en) 2001-11-06

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