KR102198702B1 - Method for forecasting vehicle insurance - Google Patents

Abstract

An embodiment of the present invention provides a method for providing vehicle insurance premium information in which a vehicle insurance premium prediction server predicts and provides vehicle insurance premiums, comprising: a basic insurance premium calculation process of calculating a basic insurance premium at an evaluation point set for a customer who subscribes to the vehicle insurance; Accident violation details input process in which accident details including vehicle accident details and legal violation details from the time of renewal of the current insurance contract period to the past 3 years are inputted; A process of calculating the estimated vehicle insurance premium for calculating the customer's vehicle estimated insurance premium based on the calculated basic insurance premium and accident violation details; And a process of displaying the predicted vehicle insurance premium for displaying the vehicle predicted insurance premium.

Description

Method for forecasting vehicle insurance information {Method for forecasting vehicle insurance}

The present invention relates to a method of providing predicted vehicle insurance premium information, and to a method of providing predicted vehicle insurance premium information by predicting and providing vehicle insurance premiums based on traffic violations and accident details.

In recent years, vehicles are increasingly being utilized as means of transportation, transportation, and living spaces for people. In the past, the form of a vehicle that functions as a simple movement and transportation means has been changed to a form of a vehicle that functions as a living space in recent years. Through this, the utilization of urban spaces can be increased, and representative examples include camping cars and food trucks.

In addition, it is becoming more common to have one or more vehicles per household. Accordingly, the amount of vehicle used is greatly increased, and the importance of accident compensation has emerged along with the increase in convenience. In particular, as the cost of vehicles rises and the demand for Imports rises, customers are also feeling the burden of insurance premiums.

To this end, each insurance company provides a variety of insurance products that fit the driver's condition in vehicle insurance.

However, in the case of existing vehicle insurance, contracts are made through an on/offline subscription system, and the offline type of insurance subscription method is made through a direct contract of the insurance agent. Complicated procedures such as calculating insurance premiums and writing insurance contracts are carried out. There is a disadvantage in that more cost is required because time and labor costs are required.

Therefore, as a method and system that complements this, a real-time insurance premium comparison and contract service method using the Internet is provided. However, such a conventional insurance premium comparison and contract service method has a limitation in providing only one year's premium to the customer when calculating the premium for each insurance company by inputting basic information.

Therefore, there is a problem in which the customer cannot know the impact of the accident on insurance premium calculation in the future.

In other words, depending on the existence of an accident, it will continue to affect the future vehicle insurance premium, and the gap between the grades caused by the accident (if there was no accident, the insurance premium when discounted continuously and the future when insurance is processed (e.g., 3 years, 10 years)) There is a problem in which customers cannot directly know the increase in premiums).

Korean Patent Publication 10-2003-0043196

The technical problem of the present invention is to predict and provide vehicle insurance premiums for the next several years in consideration of traffic accidents and violations of traffic laws for each customer.

An embodiment of the present invention provides a method for providing vehicle insurance premium information in which a vehicle insurance premium prediction server predicts and provides vehicle insurance premiums, comprising: a basic insurance premium calculation process of calculating a basic insurance premium at an evaluation point set for a customer who subscribes to the vehicle insurance; Accident violation details input process in which accident details including vehicle accident details and legal violation details from the time of renewal of the current insurance contract period to the past 3 years are inputted; A process of calculating the estimated vehicle insurance premium for calculating the customer's vehicle estimated insurance premium based on the calculated basic insurance premium and accident violation details; And a process of displaying the predicted vehicle insurance premium for displaying the vehicle predicted insurance premium.

The basic insurance premium calculation process is the paid insurance premium, which is the vehicle insurance premium paid by the customer during the current insurance contract period, the customer characteristic rate taking into account the customer's insurance subscription experience and the traffic law violation rate, and a discount premium considering the number of vehicle accidents by the customer. You can calculate the basic premium by applying the rate.

The basic insurance premium calculation process includes: a paid insurance premium input process in which a paid insurance premium, which is a vehicle insurance premium paid by a customer during a current insurance contract period, is input; A process of calculating the customer characteristic rate by using the customer's insurance subscription experience and the traffic law violation rate; Discount premium rate calculation process of calculating the discount premium rate, which is the discount rate of the customer insurance premium; And a process of calculating the basic insurance premium at the time of evaluation determined for the customer using the paid insurance premium, the customer characteristic rate, and the discount premium rate.

The process of calculating the customer characteristic rate may include a process of selecting a customer insurance company that is an insurance company to which the customer subscribes at the current time; The process of entering the customer insurance subscription experience; The process of determining the customer class rate assigned by the customer insurance company according to the customer driving experience; The process of receiving the details of traffic violations from the time of signing up for the current insurance contract to the past one year; A process of calculating a traffic law violation rate based on the entered traffic law violation details; And a process of calculating a customer characteristic rate by applying the calculated traffic law violation rate to the customer grade rate.

In the process of calculating the discount premium rate, the number of customer vehicle accidents from the time of signing up the current insurance contract to the past three years may be input, and the discount premium rate may be calculated based on the input number of customer vehicle accidents.

In the process of calculating the basic insurance premium, the basic insurance premium may be calculated by applying a special rate individually applied to the customer and a special rate applied by the vehicle insurance special agreement in addition to the paid premium, the customer characteristic rate, and the discount premium rate. .

In the process of calculating the estimated insurance premium for the vehicle, the renewal customer characteristic rate is calculated based on the legal violations from the time the current insurance contract period is renewed to the past one year, and the past three years from the time when the current insurance contract period is renewed. The renewal discount premium rate can be calculated based on the vehicle accident details up to and including, and the estimated vehicle insurance premium can be calculated by using "vehicle estimated insurance premium = basic insurance premium × renewal customer characteristic rate × renewal discount premium rate".

The vehicle predicted insurance premium may be characterized in that the vehicle predicted insurance premium is calculated by "basic insurance premium × renewal customer characteristic rate × renewal discount premium rate × renewal special rate × renewal special rate".

The vehicle estimated insurance premium display process is characterized by providing at least one vehicle estimated insurance premium for one year from the time the insurance contract period is renewed at the request of the customer and the cumulative vehicle estimated insurance premium for two years or more from the time the insurance contract period is renewed. can do.

When the cumulative vehicle predicted insurance premium is provided, the vehicle predicted insurance premium accumulated for each year may be provided in the form of a graph.

By receiving the number of virtual vehicle accidents and the number of legal violations, it is possible to provide an estimated vehicle insurance premium accumulated for each year in the form of a graph based on the number of virtual vehicle accidents and the number of legal violations.

In the process of calculating the estimated vehicle insurance premium, the updated customer characteristic rate for each insurance company is calculated, the estimated vehicle insurance premium for each insurance company is calculated using the calculated customer characteristic rate for each insurance company, and the estimated vehicle insurance premium accumulated for each year in a graph form. If provided, a graph of the estimated vehicle insurance premium accumulated for each insurance company may be displayed and provided.

According to an embodiment of the present invention, the vehicle insurance premium for the next several years is predicted and provided in consideration of traffic accident details and traffic law violations for each customer, so that the customer can accurately predict their own vehicle insurance premium.

1 is a block diagram of a system for providing predicted vehicle insurance premium information according to an embodiment of the present invention.
2 is an exemplary illustration of a customer terminal 110 according to an embodiment of the present invention.
3 is a flowchart illustrating a method of providing predicted vehicle insurance premium information according to an embodiment of the present invention.
4 is a diagram showing a contract period, and FIG. 5 is a diagram showing a customer rating rate for each insurance company according to an embodiment of the present invention.
6 is a graph showing the traffic law violation rate when the liability initiation contract standard.
7 is an exemplary diagram of a discount premium rate chart according to an embodiment of the present invention.
8 is an illustration showing a discount premium grade graph.
9 to 14 are diagrams showing a result table of predicting an estimated insurance premium for a vehicle according to an embodiment of the present invention.
15 is a diagram showing a graph of a cumulative predicted insurance premium corresponding to the number of virtual accidents or legal violations according to an embodiment of the present invention.
16 is an exemplary diagram of a graph of predicted vehicle insurance premiums accumulated for each insurance company according to an embodiment of the present invention.

Hereinafter, the advantages and features of the present invention, and a method of achieving them will become apparent with reference to the embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in various different forms, and is provided to completely inform the scope of the invention to those of ordinary skill in the art to which the present invention belongs. As such, the invention is only defined by the scope of the claims. In addition, when it is determined that related well-known technologies or the like may obscure the subject matter of the present invention in describing the present invention, detailed descriptions thereof will be omitted.

1 is a block diagram of a system for providing predicted vehicle insurance premium information according to an embodiment of the present invention, and FIG. 2 is an exemplary diagram of a customer terminal according to an embodiment of the present invention.

The present invention is currently being paid by the customer Insurance premium Based on the information, on the assumption that all conditions that may affect insurance premiums are the same as in the existing contract, future premiums (eg, four-year premiums) are predicted and provided to customers before and after the accident is reflected.

To this end, the vehicle predicted insurance premium information providing system of the present invention may include a wired/wireless communication network (not shown), a customer terminal 110, and a vehicle insurance premium prediction server 120, as shown in FIG. 1.

A wired/wireless communication network (not shown) is a communication network that provides wired or wireless communication between the customer terminal 110 and the vehicle insurance premium prediction server 120. When such a wireless communication network is implemented as a wireless communication network, data is performed using a wireless mobile communication network consisting of a base transceiver station (BTS), a mobile switching center (MSC), and a home location register (HLR). You can communicate. In addition, when the wired/wireless communication network is implemented as a wired communication network, it may be implemented as a network communication network, and data communication may be performed according to an Internet protocol such as Transmission Control Protocol/Internet Protocol (TCP/IP).

The customer terminal 110 is a communication terminal connected to the vehicle insurance premium prediction server 120 through a network, and requests prediction of the vehicle insurance premium of the customer. In particular, the vehicle insurance premium predicted in the present invention is an estimated vehicle insurance premium for the next several years in consideration of the customer's traffic accident details and traffic violation details.

The customer terminal 110 is described below by taking a smart phone as an example, but not only a smartphone, but also a desktop PC, a tablet PC, a slate PC, and a notebook computer. computer), etc. Of course, it is natural that the terminal to which the present invention is applicable is not limited to the above-described types, and may include all terminals capable of communicating with external devices.

As shown in FIG. 2, the customer terminal 110 includes a terminal communication unit 111, a terminal storage unit 112, a terminal display unit 113, a terminal input unit 114, and a terminal control unit 115 equipped with a vehicle insurance premium prediction app. It may include.

The terminal communication unit 111 is a module that performs a function of communicating through a mobile communication network, and when performing mobile communication such as 3G or 4G, an RF transmitter (not shown) that up-converts and amplifies the frequency of a wirelessly transmitted signal. ) And an RF receiver (not shown) for low-noise amplification of the received radio signal and down-converting the frequency.

The terminal storage unit 112 is a storage body in which the vehicle insurance premium prediction app execution file and screen graphic interface (GUI) information of the present invention are stored. Such a storage body is a module capable of input/output of information such as a flash memory, a compact flash card (CF card), and a secure digital card (SD card), and may be provided inside the device or provided in a separate device. It may be.

The terminal display unit 113 displays a predicted vehicle insurance premium in consideration of traffic accident details and traffic law violations for each customer.

The terminal input unit 114 receives traffic accident details and traffic law violations during the evaluation target period from the customer. The terminal input unit 114 and the terminal display unit 113 may be implemented in a single form of a touch screen panel. The touch screen panel is a display window provided on the front of a terminal to display a work screen by providing a touch screen screen capable of performing input and display at the same time, and displays a graphic user interface (GUI) for communication.

The terminal control unit 115 is implemented as a main control unit (MCU) that controls each functional module of the customer terminal 110, and is a module in which the vehicle insurance premium prediction app of the present invention is installed. This vehicle insurance premium prediction app predicts and provides vehicle insurance premiums to be paid by the customer in consideration of the customer's traffic accident details and traffic law violations.

For reference, the customer terminal 110 implemented as a smart phone, etc., can install and add or delete hundreds of various apps (applications, applications) as desired by the user, so that the application desired by the user You can also make it yourself, and you can implement an interface suitable for yourself through various applications. Therefore, you can download a vehicle insurance premium prediction app from Google Market and Apple Store and install it on your smartphone.

The vehicle insurance premium prediction server 120 has the same configuration as a typical web server in terms of hardware, and is implemented through various types of languages such as C, C++, Java, Visual Basic, Visual C, etc. in software. It contains a functional program module. In addition, it can be implemented using web server programs that are variously provided according to operating systems such as dos, windows, linux, unix, and macintosh in general server hardware. have.

In particular, the vehicle insurance premium prediction server 120 of the present invention predicts and provides vehicle insurance premiums for the next several years in consideration of traffic accident details and traffic violation details for each customer. Therefore, each customer can know in real time the predicted vehicle insurance premiums based on their traffic accident details and traffic law violations. However, for each insurance company There may be errors in predicted insurance premiums due to reasons such as change in rate policy .

Furthermore, in the case of providing the estimated vehicle insurance premiums accumulated for each year for each insurance company in the form of a graph, a graph of the estimated vehicle insurance premiums accumulated for each insurance company may be displayed and provided. Therefore, even in the case of the same traffic accident and violation of traffic laws, the accumulated vehicle insurance premiums are different for each insurance company, so each customer can easily identify the insurance company with the cheapest vehicle estimated insurance premium through the cumulative vehicle estimated insurance premiums for each insurance company.

To this end, the vehicle insurance premium prediction server 120 calculates the basic insurance premium at the time of evaluation determined for the customer who subscribes to the vehicle insurance, and the vehicle accident history and legal violations from the time of updating the current insurance contract period to the past 3 years. It receives the details and calculates the customer's vehicle predicted insurance premium based on the basic insurance premium and the vehicle accident history. And the calculated vehicle predicted insurance premium is displayed. Hereinafter, it will be described in detail with FIGS. 3 to 16.

3 is a flow chart showing a method of providing predicted insurance premium information for a vehicle according to an embodiment of the present invention, FIG. 4 is a diagram showing a contract period, and FIG. 5 is a diagram showing a customer rating rate for each insurance company according to an embodiment of the present invention. Fig. 6 is a graph showing the traffic law violation rate when the liability initiation contract is based, Fig. 7 is an exemplary diagram of a discount premium rate chart according to an embodiment of the present invention, and Fig. 8 is a graph showing a discount premium grade graph 9 to 14 are diagrams showing a result table of predicting vehicle insurance premiums according to an embodiment of the present invention, and FIG. 15 corresponds to the number of virtual accidents or violations of laws according to the embodiment of the present invention. Fig. 16 is a graph showing a graph of estimated cumulative insurance premiums, and FIG. 16 is an exemplary diagram of a graph of estimated vehicle insurance premiums accumulated for each insurance company according to an embodiment of the present invention.

The method of providing vehicle predicted insurance premium information according to the present invention includes a basic insurance premium calculation process (S310) of calculating a basic insurance premium at the time of evaluation determined for a customer who subscribes to vehicle insurance, as shown in FIG. 3, and a current insurance contract period. The customer's vehicle is expected based on the accident violation details input process (S320), in which accident details including vehicle accident details and legal violations from the time of renewal to the past 3 years, and calculated basic insurance premiums and accident violation details A vehicle predicted insurance premium calculation process (S330) for calculating the insurance premium, and a vehicle predicted insurance premium display process (S340) for displaying the vehicle predicted insurance premium.

In detail, the basic insurance premium calculation process (S310) is a process of calculating the basic insurance premium at the time of evaluation set for a customer who subscribes to vehicle insurance. In other words, by applying the paid insurance premium, which is the vehicle insurance premium paid by the customer during the current insurance contract period, the customer characteristic rate considering the customer's insurance subscription experience and traffic law violation rate, and the discount premium rate considering the number of vehicle accidents by the customer. Calculate the premium.

As is known, the premium paid by the customer is calculated by "paid insurance premium = basic insurance premium × customer characteristic rate × discount premium rate" as shown in the following [Equation 1].

[Equation 1]

Paid insurance premium = basic insurance premium × customer characteristic rate × discount premium rate

Therefore, the basic insurance premium can be calculated when the paid insurance premium, the customer characteristic rate, and the discount premium rate are known. If, in addition to the paid insurance premium, the customer characteristic rate, and the discount premium rate, there is a special rate that is applied individually to the customer and a special rate that is applied by the vehicle insurance special contract, the special rate and the special rate are set as shown in [Equation 2] below. In addition, the basic premium can be calculated.

[Equation 2]

Paid insurance premium = basic insurance premium × customer characteristic rate × discount premium rate × special rate × special contract rate

To this end, the basic insurance premium calculation process (S310) includes a paid premium input process (S311), a customer characteristic rate calculation process (S312), a discount premium rate calculation process (S313), and a basic insurance premium calculation process at the time of evaluation (S314). I can.

The paid insurance premium input process (S311) is a process of receiving a paid insurance premium, which is a vehicle insurance premium paid by the customer during the current insurance contract period. For example, as shown in Fig. 4, if the vehicle insurance needs to be renewed on January 1, 2019, the premium paid in the current contract period from January 1, 2018 to December 31, 2018 Is to receive input from the customer. For example, if customer A has a paid insurance premium of 700,000 won paid during the current contract period from January 1, 2018 to December 31, 2018, 700,000 won can be entered as the customer's paid insurance premium.

For reference, the period subject to evaluation for premium evaluation of the current contract from the time before January 1, 2018, when the previous contract ends and the current contract is renewed, is 3 from the time of renewal before January 1, 2018. It is the period until years ago. In addition, the evaluation period for the premium evaluation of the new contract before January 1, 2019, which is the time of renewal of the new contract period for which the current contract is renewed and the new contract period is renewed, from the time of evaluation prior to January 1, 2019. This is the period up to 3 years ago.

The customer characteristic rate calculation process (S312) is a process of calculating the customer characteristic rate by using the customer's insurance subscription experience and the traffic law violation rate.

In order to calculate the customer characteristic rate, the process of selecting the customer insurance company, the insurance company that the customer has subscribed to at the present time, the process of receiving the input of the customer insurance subscription experience, and the process of grasping the customer grade rate assigned by the customer insurance company according to the customer driving experience. And, the process of receiving the details of traffic violations from the time of signing up the current insurance contract to the past one year, the process of calculating the traffic violation rate based on the entered traffic violation details, and the calculated traffic violation rate Is applied to the customer grade rate to calculate the customer characteristic rate.

Here, the grasp of the customer grade rate is to grasp the customer grade rate allocated differently for each customer insurance company according to the customer driving experience. For this, it can be identified by using the customer grade rate DB for each insurance company. For example, in the case of an individual with 15 years of driving experience, as shown in FIG. 5, a 58% customer grade rate is assigned to Samsung Fire & Marine Insurance, and a 59% customer grade rate is assigned to Hyundai Marine Corp. These customer grade rate DBs for each insurance company are values set by insurance policy for each insurance company.

Therefore, if a customer A with 15 years driving experience subscribes to Samsung F&M, the customer rating rate of Samsung F&M is calculated as 58%, and if a customer A with 15 years driving experience subscribes to Hyundai Marine & Co., the customer grade rate of Hyundai Maritime is 59 It is calculated in %.

In addition, calculating the traffic law violation rate based on the entered traffic law violation details is to calculate the traffic law violation rate determined according to the traffic law violation details of the customer. For example, if there is a history of drinking one alcoholic beverage in the past 3 years prior to January 1, 2018, which is the time of evaluation for renewal of the current contract period shown in FIG. 4, the traffic law violation rate chart shown in FIG. Therefore, a traffic violation rate of +10% is calculated.

Therefore, calculating the customer characteristic rate by applying the traffic law violation rate to the customer grade rate is calculated by "customer grade rate × traffic law violation rate". For example, if a customer A with 15 years of driving experience subscribes to Samsung Fire & Marine Insurance, customer A's customer characteristics are based on the customer rating rate of 58% and the traffic violation rate due to a customer A's drinking history +110%. The rate is "0.58 (customer grade rate) × 1.1 (traffic law violation rate) = 0.638".

In addition, calculating the discount premium rate, which is the discount rate of customer insurance premiums, receives the number of customer vehicle accidents from the time of signing up the current insurance contract to the past three years, and calculates the discount premium rate based on the number of customer vehicle accidents. Can be calculated.

For example, when customer A has had one vehicle accident from the time of signing up for the current contract period to the past 3 years, 1.12 may be calculated by the premium rate chart shown in FIG. 7. For reference, as shown in FIG. 8, if there is no accident for 3 years prior to the renewal, discount grades are accumulated and insurance premiums are lowered.

Accordingly, when the paid insurance premium, the customer characteristic rate, and the discount premium rate are obtained, the basic insurance premium at the time of evaluation determined for the customer can be calculated using these paid insurance premiums, the customer characteristic rate, and the discount premium rate.

For example, the premium paid in the current contract period of customer A is 700,000 won, and customer A's customer characteristic rate is calculated as "0.58 (customer grade rate) × 1.1 (traffic law violation rate) = 0.638", and A If the customer's discount premium rate is 1.12, it is possible to calculate the basic insurance premium of KRW 979,623 by substituting in the above [Equation 1] of “paid insurance premium = basic premium × customer characteristic rate × discount premium rate”.

In the end, the basic insurance premium for customer A is 9,796,000 won, but in the current contract period, only 700,000 won is paid by the customer A's characteristic rate of 0.638 and the discount premium rate of 1.12.

Therefore, it is less paying 279,623 won per year, and if it is maintained for 3 years without any other accidents or violations of laws and regulations, it will result in a reduction in insurance premiums of 279,623 won × 3 years = 838,869 won, and customer A can easily check this. .

However, if customer A incurs a 3-point car accident during the current contract period, the vehicle insurance premium for the new contract period after January 1, 2019 will increase.

The present invention makes it possible to provide accurate and easy information to customers regarding such updated vehicle insurance premiums.

On the other hand, the present invention, when the basic insurance premium calculation process (S310) is completed, an accident violation that receives accident violation details including vehicle accident details and legal violation details from the time of renewing the current insurance contract period to the past 3 years Has a description input process (S320).

In addition, a vehicle predicted insurance premium calculation process (S330) for calculating a customer's vehicle predicted insurance premium based on the calculated basic insurance premium and accident violation details is performed.

Here, in the vehicle predicted insurance premium calculation process (S330), the renewed customer characteristic rate is calculated based on the legal violation details from the time when the current insurance contract period is renewed to the past one year. And the renewal discount premium rate is calculated based on vehicle accident details from the time of renewal of the current insurance contract period to the past three years. After that, it is possible to calculate the predicted vehicle insurance premium by "vehicle estimated insurance premium = basic insurance premium × renewed customer characteristic rate × renewed discount premium rate". If the special rate and the special rate are considered, the estimated insurance premium for the vehicle is calculated based on "basic insurance premium × renewal customer characteristic rate × renewal discount premium rate × renewal special rate × renewal special rate".

In detail, for example, it is assumed that customer A whose basic insurance premium is calculated as 979,623 won has a 3-point unlicensed accident.

Assuming that a 3-point accident occurs (customer input), the renewed customer characteristic rate is calculated by inputting whether the assumed accident violates the law or not (customer input), and the renewal discount premium rate (accident within one year) including the assumed accident By calculating 2 accidents / 2 accidents within a year), it is possible to calculate the estimated insurance premium for the vehicle.

Therefore, when evaluating vehicle insurance premiums in December 2018, the renewal customer characteristic rate is 69% (12Z's insurance coverage) × 20% (traffic law violation rate), and the renewal discount premium rate is 1.37 (2 cases within a year/ 2 cases within 3 years), and the estimated insurance premium for the vehicle is KRW 1,111,245.

979,623 won × 69% (12Z's insurance coverage experience) × 20% (traffic law violation rate) × 1.37 (renewal discount premium rate) = 1,111,245 won.

In the end, the estimated insurance premium for customer A's vehicle for each evaluation point is calculated as follows.

-Year X2 (December 2018)

979,623 won × 0.69 (12Z insurance coverage) × 20% (traffic law violation rate) × 1.37 (renewal discount premium rate: 2 cases within a year/3 cases within a year) = KRW 1,111,245

-Year X3 (December 2019)

979,623 won × 0.69 (12Z insurance coverage) × 20% (traffic law violation rate) × 1.18 (renewal discount premium rate: 1 case within a year/3 cases within a year) = 957,245 KRW

-Year X4 (December 2020)

979,623 won × 0.69 (12Z insurance coverage) × 1.12 (renewal discount premium rate: 0 within a year/3 cases within a year) = 757,245 won

Therefore, the total premium for three years from X2 to X4 is KRW 2,825,427.

For reference, if there is no accident, the total premium for three years is as follows.

-Year X1 (present premium)

979,623 won × 0.58 (insured experience) × 110% (drinking) × 1.12 (renewal discount premium rate: 3 year accidents 1 case/1 year accidents 1 case) = 700,000 KRW

-Year X2 (December 2018)

979,623 won × 0.58 (insured experience) × 110% (drinking) × 0.97 (renewal discount premium rate: 3 year accidents 1 case/1 year accidents 0 cases) = 606,249 KRW

-Year X3 (December 2019)

KRW 979,623 × 0.58 (experience in insurance) × 0.97 (renewal discount premium rate: 3 year accidents 1 case/1 year accidents 0 cases) = 551,135 KRW

-Year X4 (December 2020)

979,623 won × 0.55 (insured experience, 16Z) × 0.94 (renewal discount premium rate: 3 year accidents 0 cases/1 year accidents 0 cases) = 506,465 KRW

Therefore, the grade is raised without accidents for 3 years, and the total premium for 3 years for 2 to 4 years is 1,663,849 KRW, which is about 1,161,578 KRW different from the accident of 3 points without a license.

For reference, FIGS. 9 to 14 are result tables for predicting the predicted vehicle insurance premium.

Meanwhile, in the process of displaying the estimated vehicle insurance premium (S340), at least one vehicle estimated insurance premium for one year from the time the insurance contract period is renewed at the request of the customer and the cumulative vehicle estimated insurance premium for two years or more from the time the insurance contract period is renewed is provided. Do it. In the case of providing the cumulative vehicle estimated insurance premium, it is desirable to provide the vehicle estimated insurance premium accumulated by year in the form of a graph.

Furthermore, as shown in FIG. 15, the number of virtual vehicle accidents and legal violations are input, and the estimated vehicle insurance premium accumulated for each year based on the entered virtual vehicle accidents and the number of legal violations is provided in a graph form. .

Therefore, the customer makes an effort to drive safely by easily confirming the increase in the expected insurance premium in case of a vehicle accident or violation of laws and regulations.

In addition, in the vehicle predicted insurance premium calculation process (S330), an updated customer characteristic rate is calculated for each insurance company, and the estimated vehicle insurance premium for each insurance company is calculated using the calculated customer characteristic rate for each insurance company, and the vehicle estimated insurance premium accumulated by year. In the case of providing in the form of a graph, a graph of the estimated vehicle insurance premium accumulated by each insurance company is displayed and provided.

As shown in FIG. 5, the customer grade rate is set differently for each insurance company, and therefore, the vehicle predicted insurance premium to which the customer grade rate is applied is calculated differently for each insurance company.

Therefore, as shown in FIG. 16, by providing the estimated vehicle insurance premiums accumulated for each year in the form of a graph, the customer can select an insurance company having the cheapest cumulative insurance premium.

Meanwhile, FIG. 17 shows an example screen in the order in which the vehicle predicted insurance premium information of the present invention is provided on the customer terminal. To As shown in Fig. 22, through each process, the customer can easily know the difference in insurance premiums before and after the accident, as shown in Fig. 22.

The embodiments in the description of the present invention described above are presented by selecting the most preferable examples to aid the understanding of those skilled in the art from among various possible examples, and the technical idea of the present invention is not necessarily limited or limited only by this embodiment. , Various changes and modifications, and other equivalent embodiments are possible within the scope of the technical spirit of the present invention.

110: customer terminal
120: Vehicle insurance premium prediction server

Claims (12)

In the vehicle insurance premium prediction server predicting and providing vehicle insurance premium information providing method,
A basic insurance premium calculation process of calculating the basic insurance premium at the time of evaluation determined for the customer who has purchased vehicle insurance;
Accident violation details input process in which accident details including vehicle accident details and legal violation details from the time of renewal of the current insurance contract period to the past 3 years are inputted;
A process of calculating the estimated vehicle insurance premium for calculating the customer's vehicle estimated insurance premium based on the calculated basic insurance premium and accident violation details; And
Including; vehicle predicted insurance premium display process for displaying the vehicle predicted insurance premium,
The basic insurance premium calculation process,
The basic insurance premium is applied by applying the paid insurance premium, which is the vehicle insurance premium paid by the customer during the current insurance contract period, the customer characteristic rate taking into account the customer's insurance subscription history and traffic law violation rate, and the discount premium rate taking into account the number of vehicle accidents by the customer. Is the process of calculating,
Paid insurance premium input process in which the paid insurance premium, which is the vehicle insurance premium paid by the customer during the current insurance contract period, is input;
A process of calculating the customer characteristic rate by using the customer's insurance subscription experience and the traffic law violation rate;
Discount premium rate calculation process of calculating the discount premium rate, which is the discount rate of the customer insurance premium; And
Including; an evaluation point basic insurance premium calculation process of calculating a basic insurance premium at an evaluation point set for a customer using the paid insurance premium, the customer characteristic rate, and the discount premium rate; and
The process of calculating the customer characteristic rate,
The process of selecting a customer insurance company, which is the insurance company the customer subscribes to at the present time;
The process of entering the customer insurance subscription experience;
The process of determining the customer class rate assigned by the customer insurance company according to the customer driving experience;
The process of receiving the details of traffic violations from the time of signing up for the current insurance contract to the past one year;
A process of calculating a traffic law violation rate based on the entered traffic law violation details; And
Method for providing predicted vehicle insurance premium information comprising; a process of calculating a customer characteristic rate by applying the calculated traffic law violation rate to the customer grade rate.
delete delete delete The method of claim 1, wherein the process of calculating the discount premium rate,
A method of providing predicted vehicle insurance premium information that receives the number of customer vehicle accidents from the time of signing up the current insurance contract to the past 3 years and calculates a discount premium rate based on the number of vehicle accidents entered.
The method according to claim 1, wherein the basic insurance premium calculation process,
In addition to the paid insurance premium, customer characteristic rate, and discount premium rate, a basic insurance premium is calculated by applying a special rate individually applied to the customer and a special rate applied by the vehicle insurance special contract. Way.
The method according to claim 1, wherein the vehicle predicted insurance premium calculation process,
Calculate the renewed customer characteristic rate based on the legal violations from the time of renewal of the current insurance contract period to the past one year,
Calculate the renewal discount premium rate based on vehicle accident details from the time of renewal of the current insurance contract period to the past 3 years,
A method of providing predicted vehicle insurance premium information, characterized in that a vehicle predicted insurance premium is calculated based on "vehicle estimated insurance premium = basic insurance premium × renewed customer characteristic rate × renewed discount premium rate".
The method of claim 7, wherein the vehicle predicted insurance premium,
A method of providing predicted vehicle insurance premium information, characterized in that the estimated vehicle insurance premium is calculated by "basic insurance premium × renewal customer characteristic rate × renewal discount premium rate × renewal special rate × renewal special rate".
The method of claim 7, wherein the vehicle predicted insurance premium display process,
A method of providing predicted vehicle insurance premium information, characterized in that it provides at least one estimated vehicle insurance premium for one year from the time the insurance contract period is renewed at the request of the customer and the cumulative vehicle estimated insurance premium for more than two years from the time the insurance contract period is renewed.
The method of claim 9,
In the case of providing the cumulative vehicle estimated insurance premium, a method of providing vehicle estimated insurance premium information in the form of a graph of the vehicle estimated insurance premium accumulated by year.
The method of claim 10,
A method of providing predicted vehicle insurance premium information in the form of a graph that receives the number of virtual vehicle accidents and the number of legal violations, and provides the estimated vehicle insurance premium accumulated by year based on the number of virtual vehicle accidents and law violations entered.
The method of claim 10,
In the process of calculating the estimated vehicle insurance premium, an updated customer characteristic rate is calculated for each insurance company, and the estimated vehicle insurance premium for each insurance company is calculated using the calculated customer characteristic rate of each insurance company,
A method of providing predicted vehicle insurance premium information, characterized in that when providing the estimated vehicle insurance premium accumulated by year in a graph form, a graph of the vehicle estimated insurance premium accumulated by each insurance company is displayed and provided.

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