KR20110049391A - System for automatic linkage service of insurance in vehicles accident and method thereof - Google Patents

Abstract

PURPOSE: An insurance company auto-connection service system in a car accident and method thereof are provided to rapidly find an accident place even if an insurance company did not receive a separate contact from a client. CONSTITUTION: A car accident service server includes as follows. An account recognition module(350) analyzes accident information transmitted from a car black box and grasp an insurance company registered through the account recognition. A location information and contact information extraction module(360) extracts the accident location information based on location coordinates data included in the accident information. The location information and contact information extraction module extracts contact address information of an acquaintance which owner registered through an information DB(330). A SMS transmission module(370) transmits a SMS message.

Description

System for automatic linkage service of insurance in vehicles accident and method

The present invention relates to an insurance company automatic linkage service in the event of a vehicle accident, more specifically, by automatically sending the location information to the insurer subscribed when a vehicle accident occurs, even if the insurance company does not receive a separate contact from the customer to quickly find an accident place to follow up The present invention relates to an insurance company automatic linkage service system and a method thereof in case of a vehicle accident.

In the case of a minor accident when a car accident occurs, the driver of the vehicle directly contacts an insurance company, a police station, an acquaintance, and resolves the accident.

However, if the accident is serious and you cannot contact them directly, if someone else checks it and reports it to the police station, the police officer will go out and the insurance company or family will find information and contact you through the vehicle inquiry.

Therefore, in this case, the accident handling was delayed, causing many problems.

In particular, if the family cannot be contacted, treatment may be delayed after the evacuation of the hospital.

In addition, in the above case, when the claim of insurance claims after the accident occurred, the insurer's representative confirmed the accident location, and if the exact cause of the accident was difficult, there was a concern that the payment of insurance benefits would be delayed or the amount of insurance received would be low.

Accordingly, the present invention has been proposed to solve all the problems that occur when the existing vehicle accident, as described above,

The problem to be solved by the present invention, by automatically sending the location information to the insurer subscribed when a vehicle accident occurs, so that the insurer can quickly find a place of accident without a separate contact from the customer to quickly and safely handle the follow-up measures In the event of an accident, it provides an insurance company automatic linkage service system and method thereof.

Another problem to be solved by the present invention is to search for pre-registered information in the event of a vehicle accident, extract contact information that can be quickly contacted, and automatically send a text message (SMS) to the extracted acquaintances, so as to quickly and safely follow up. It is to provide an automatic insurance service system and method for insurers in the event of a vehicle accident.

Another problem to be solved by the present invention is to provide an insurance company automatic linkage service system and method for allowing a vehicle to register all the records of the vehicle accidents, such as insurance companies and police stations, so that it is possible to calculate the insurance premiums later. have.

"Insurer automatic linkage service system when a vehicle accident" according to the present invention for solving the above problems,

A vehicle black box mounted in the vehicle and configured to automatically transmit accident information when a traffic accident occurs;

When the accident information transmitted from the vehicle black box is received, the accident information is transmitted to the linked insurance company server, and includes a vehicle accident service server for transmitting the information of the owner to the acquaintance mobile communication terminal registered by the owner of the vehicle black box .

The accident information includes insurance company account information associated with location coordinate data of the vehicle, and the owner information includes location coordinate data of the vehicle and traffic accident occurrence information of the owner.

The vehicle accident service server,

An account recognition module for identifying an insurance company registered through account recognition by analyzing accident information transmitted from the vehicle black box;

A location information and contact information extraction module for extracting accident location information based on location coordinate data included in the accident information and extracting contact information of an acquaintance registered by the owner through an information database;

And an SMS transmission module for generating a text message (SMS) including vehicle accident information and owner's traffic accident occurrence information to be transmitted to the registered insurance company and acquaintances, and transmitting the SMS to the insurance company server and acquaintance mobile communication terminal.

In addition, the "insurance insurance company automatic linkage service system" according to the present invention,

When the text information about the vehicle accident information is received from the vehicle accident service server, the received text information is analyzed to identify a registered customer, and the accident location is determined through a geographic information system based on the location coordinates obtained through the analysis. It further includes an insurance company server for providing the accident location information to the service personnel to ensure the emergency service for the customer to check the information.

According to the present invention for solving the above problems "auto insurance company automatic connection service method",

In a method for performing a service by automatically linking with an insurance company in a vehicle accident by using an insurance company automatic linkage service system comprising a vehicle black box, a vehicle accident service server, an insurance company server and an acquaintance mobile communication terminal,

A vehicle accident information transmitting step of generating vehicle accident information including a current accident position coordinate and transmitting the generated vehicle accident information to the vehicle accident service server when a vehicle accident is detected in the vehicle black box;

Receiving vehicle accident information from the vehicle accident service server, through the analysis of the vehicle accident information to check the registered insurance company and acquaintances mobile communication terminal, the vehicle to automatically transmit the vehicle accident information to the insurance company server and acquaintance mobile communication terminal It includes the incident linkage service phase.

The accident information processing step,

Analyzing the received vehicle accident information to recognize an account;

And transmitting vehicle accident location coordinate data and customer information as text information to an insurance company registered in the recognized account and a registered acquaintance mobile communication terminal.

"Insurer auto linkage service method when a vehicle accident" according to the present invention,

When the insurance company server receives the vehicle accident information as text information, it analyzes it, extracts the location information of the accident vehicle, and delivers customer information including the extracted location information to the emergency service personnel by communication to request emergency dispatch. It further includes an accident handling step.

According to the present invention, when an accident occurs in a car, even if it is impossible to contact a police station or an insurance company in an unconscious or uncommon place, there is an advantage that the vehicle accident situation can be contacted to an insurance company or other contact information.

Further, according to the present invention, all the records of the car accident can be registered in the insurance company and the police station, the insurance company can be transparently calculated insurance later, the police station has the advantage that it is possible to implement safe public services.

Hereinafter, described in detail with reference to the accompanying drawings a preferred embodiment of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

1 is a configuration diagram of the "automatic insurance company linked service system when a vehicle accident" according to the present invention, the vehicle black box 100, communication network 200, vehicle accident service server 300, insurance company server 400 and acquaintances mobile communication It consists of a terminal 500.

The vehicle black box 100 is mounted in a vehicle and automatically detects a traffic accident and automatically transmits the accident information to the vehicle accident service server 300 through the communication network 200 when a traffic accident occurs. In the present invention, but limited to the vehicle black box 100, it is also possible to use a navigation terminal mounted on the actual vehicle.

As shown in FIG. 2, the vehicle black box 100 includes a communication unit 110 for transmitting vehicle accident information to a vehicle accident service server 300 through communication, a determination of whether an accident occurs in a vehicle, and an accident. The controller 120 controls the transmission of vehicle accident information, etc., when the occurrence occurs, the storage of position coordinate information of the vehicle, the stored shock amount, the storage of control data, the memory 130 which is a digital storage device for storing the control program, When the shock occurs, the shock sensor 140 to detect the impact amount and transmit the information to the control unit 120 to determine the vehicle accident, GPS module 150 for extracting the current position coordinates of the vehicle through the GPS and the current vehicle status information It includes a display unit 160 to display on the screen. The display unit 160 may be omitted here. The communication unit 110 may be a Wibro module or a code division multiple access (CDMA) module.

The communication network 200 is a general name of the Internet network, WiBro network, and mobile WAP network.

When the accident information transmitted from the vehicle black box 100 is received, the vehicle accident service server 300 transmits the accident information to the linked insurance company server 400, and moves the acquaintance registered by the owner of the vehicle black box 100. The communication terminal 500 performs the function of transmitting the information of the owner.

As shown in FIG. 3, the vehicle accident service server 300 communicates with the vehicle black box 100 or the insurance company server 400 and the acquaintance mobile communication terminal 500 through the communication network 200. Module 310, the control module 320 for automatically informing the vehicle accident situation to the insurance company server 400 and the acquaintance mobile communication terminal 50 in the event of a vehicle accident, automatically connected to the insurance company and acquaintances vehicle accident information Register the user (customer) who wants to inform, customer management module 340 for updating and managing the registered head information, by analyzing the accident information transmitted from the vehicle black box 100 through the account recognition Account recognition module 350 to identify registered insurance companies, extract the accident location information based on the position coordinate data included in the accident information, contact the acquaintance registered by the owner through the information database 330 Location information and contact information extraction module 360 for extracting information, generating a text message (SMS) including the vehicle accident information and owner's traffic accident information to be sent to the registered insurance company and acquaintances, insurance company server 400 And an SMS transmission module 370 for transmitting to an acquaintance mobile communication terminal 500, a payment module 380 for performing online payment when registering a service of the customer or payment with the insurance company, an information database storing various information. 330.

When the insurance company server 400 receives text information on vehicle accident information from the vehicle accident service server 300, the insurance company server 400 analyzes the received text information to check a registered customer, and calculates the location coordinates obtained through the analysis. Based on the geographic information system (GIS) to check the accident location information to perform the function of providing the accident location information to the service personnel to make emergency services for the customer. Such an insurance company server may deliver a payment guarantee, etc. to a hospital where the client is treated later, so that the client may receive the appropriate treatment quickly from the hospital.

The acquaintance mobile communication terminal 500 is a mobile communication terminal carried by an acquaintance (family, relatives, friends, etc.) to inform the customer of his / her accident in a vehicle accident, and may be a public office such as a police station if necessary.

The insurance company automatic linkage service system according to the present invention configured as described above, the insurance subscriber who wants to automatically notify the insurance company or acquaintances associated with the vehicle accident situation in case of a vehicle accident, the vehicle accident service server 300 and the insurance company server ( Provide the necessary information in 400 and register as a customer. At this time, information about the black box registered in the own vehicle can also be registered.

In the state where the customer registration is made, the customer drives his vehicle, and when a shock occurs, the shock sensor 140 mounted on the vehicle detects the shock amount and transmits it to the control unit 120, and the GPS module 150. ) Receives the current position coordinates of the vehicle from the GPS in real time and provides them to the control unit 120. Various information provided to the control unit 120 is stored in the memory 130 in real time.

Meanwhile, the controller 120 analyzes the detection value of the shock sensor 140 to determine whether an impact has occurred, and there may be a method of determining whether a vehicle accident is performed by comparing the detected value and the reference value. As another method, the shock sensor 140 may provide a method of providing shock amount information to the controller 120 only when a shock is detected. In the present invention, it will be described that the shock sensor 140 provides shock detection information only when the shock sensor 140 detects the shock amount.

When the impact amount is detected, the controller 120 determines that the vehicle is in an accident and reads the current vehicle position coordinates through the GPS module 150.

Thereafter, vehicle accident information including vehicle location coordinates and insurance company linked account information is generated, and connection information with the vehicle accident service server 300 stored in the memory 130 is extracted and the vehicle accident service server through the communication network 200. Automatically sends vehicle accident information to 300. Here, the vehicle accident service server 300 uses WiBro communication or CDMA communication.

The vehicle accident service server 300 analyzes the vehicle accident information received from the control module 320 to recognize that it is a vehicle accident, and the customer management module 340 extracts customer information included in the vehicle accident information to obtain an information database. It is checked whether the customer is registered through the inquiry of 330.

In the case of a registered customer, the account information is extracted from the vehicle accident information received from the account recognition module 350 to identify the registered insurance company. The location information and contact information extraction module 360 may determine the received vehicle accident information. The vehicle position coordinate information is extracted, and the information database 330 is searched to extract contact information of an acquaintance registered in advance by the customer.

The SMS transmission module 370 converts the vehicle accident information to be transmitted to the insurer, that is, the vehicle accident information including vehicle position coordinate information, customer information, etc. into text information, and transmits it to the extracted insurance company. The information of the accident situation is made into text information and transmitted to the extracted contact information of the contact person, that is, the acquaintance mobile communication terminal number.

When the insurance company server 400 receives the vehicle accident information from the vehicle accident service server 300, the insurance company extracts the customer information from the received vehicle accident information to check whether the registered customer, if the registered customer received Accurate accident location is confirmed by linking vehicle location coordinate data included in vehicle accident information with geographic information system. After the location of the accident is completed, the emergency information is sent to the emergency service personnel for emergency service dispatch by sending the customer's accident information, so that emergency dispatch is made.

Afterwards, emergency service personnel will be dispatched to the scene to promptly follow up, so that even if the customer cannot be contacted due to a serious traffic accident, the insurer will immediately be able to provide emergency dispatch to the site.

Meanwhile, the above accident situation information is also transmitted to the acquaintance mobile communication terminal 500 registered by the customer, and the acquaintance who receives the acknowledgment matches the transmitted accident location coordinates with the geographic information system, thereby determining the exact accident location. Report it to the police station, etc., so that the aftercare is done promptly.

After the customer is admitted to the hospital, information about the hospital is delivered to the insurance company by an emergency dispatch service agent or an acquaintance, and the insurance company server automatically generates a payment guarantee document confirming that the patient is an automobile insurance patient, and transmits it to the hospital. As a result, in the hospital, if urgent treatment such as surgery is necessary before the guardian arrives, the hospital takes prompt action based on the payment guarantee, thereby saving the customer from danger.

4 is a flowchart illustrating a method for automatically linking insurance companies when a vehicle accident occurs according to the present invention. When a vehicle accident is detected in the vehicle black box 100, the vehicle accident service server generates vehicle accident information including a current accident position coordinate. Vehicle accident information transmission steps S101 to S105 to be transmitted to the vehicle; When the vehicle accident service server 300 receives the vehicle accident information, the insurance company and the acquaintances mobile communication terminal registered through the analysis of the vehicle accident information, and the insurance company server 400 and acquaintances mobile communication terminal 500 automatically Vehicle accident link service step (S301 ~ S331, S313) for transmitting vehicle accident information; When the insurance company server 400 receives the vehicle accident information as text information, it analyzes it, extracts the location information of the accident vehicle, and delivers the customer information including the extracted location information to the emergency service personnel by communication to the emergency dispatch. The accident processing step (S401 ~ S405) to request is made.

In the vehicle accident automatic linkage service method according to the present invention made as described above, the customer (insurance subscriber) is first registered as a customer in the vehicle accident service server 300 and the insurance company server (400) (S301).

When a customer registered in the vehicle accident service server 300 and the insurance company server 400 operates a vehicle, the vehicle black box 100 mounted on the vehicle detects a vehicle accident (S101). If a vehicle accident is detected as a result of this detection, the current vehicle accident position coordinates are acquired through GPS (S103). Subsequently, in step S105, vehicle accident information including the accident location coordinate information, customer information, and account information for recognizing the associated insurance company is generated and transmitted to the vehicle accident service server 300 through a WiBro network or a mobile communication network. .

The vehicle accident service server 300 analyzes the vehicle accident information received in step S303 and confirms whether the customer is a registered customer. If the customer is a registered customer, the vehicle accident service server 300 includes the vehicle accident information transmitted in steps S305 and S307. The linked account information will identify the associated insurance company. In addition, by searching the information database based on the customer information, it extracts the contact information, that is, the telephone number of the acquaintance mobile communication terminal when the vehicle accident registered by the customer in advance.

Next, in step S309, vehicle accident information including location coordinate information and customer information, etc., is made into text information, and is automatically transmitted to the insurance company server so that rapid action is performed, and also the accident including customer information and vehicle location coordinate information. The situation information is made into text information and automatically transmitted to the extracted acquaintance mobile communication terminal (S311, S313).

When the insurance company server 400 receives the vehicle accident information, the insurance company extracts customer information included in the vehicle accident information to check whether the customer is a registered customer, and in the case of the registered customer, the customer location included in the vehicle accident information. The coordinate information is linked to the geographic information system to check the exact location of the customer's vehicle.

When the location check is completed, the customer information and the location information is automatically transmitted to the terminal carried by the emergency service personnel, so that emergency service dispatch is made (S401 to S403). As a result, even if a customer who is in an accident cannot contact, the insurance company can check the vehicle accident, and emergency dispatch service is available at the location, so that quick action can be taken. This quick action can sometimes be a very important key to saving lives.

And the insurance company server 400 when the customer knows that the hospital has been hospitalized, that is, when the emergency dispatch service personnel informed or contacted by the hospital automatically generates a payment guarantee that confirms that the car insurance patients, by delivering to the hospital, If urgent surgery is required in the hospital allows to quickly take action (S405). Here, the method of transmitting the payment guarantee is preferably delivered through a communication such as the Internet.

In addition, when the acquaintance of the customer's accident situation information arrives to his mobile terminal 500, the acquaintance confirms whether the customer knows the customer is correct, by interlocking the received customer location coordinate information with the geographic information system, the exact accident location Check.

When the confirmation of the accident location is completed, the police station or 119 is contacted to report the contents of the vehicle accident, thereby making an emergency dispatch at the police station or 119 to promptly follow up.

In this way, in the event of a car accident, it is possible to automatically contact the insurer even if the injured person is unconscious or where there are few people, that is, the police or insurance company cannot be contacted. In addition, it can be registered at the police station, so that the insurer can calculate the insurance premium transparently, the police station can implement safe public service, and the insurance subscriber (customer) can trust the car insurance.

The present invention is not limited to the above-described specific preferred embodiments, and various modifications can be made by any person having ordinary skill in the art without departing from the gist of the present invention claimed in the claims. Of course, such changes will fall within the scope of the claims.

1 is a block diagram of an insurance company automatic linkage service system when a vehicle accident according to the present invention.

2 is a configuration diagram of an embodiment of the vehicle black box of FIG. 1.

3 is a configuration diagram of an embodiment of a vehicle accident service server of FIG. 1.

Figure 4 is a flow chart showing a method of automatically insurer linked service when a vehicle accident according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100... Vehicle black box

200... communications network

300... Car accident service server

400... Insurance company server

500... Acquaintance mobile communication terminal

Claims (7)

In the system for automatically informing the insurance company in the event of a vehicle accident, A vehicle black box mounted in the vehicle and configured to automatically transmit accident information when a traffic accident occurs; When the accident information transmitted from the vehicle black box is received, the accident information is transmitted to the linked insurance company server, and includes a vehicle accident service server for transmitting the information of the owner to the acquaintance mobile communication terminal registered by the owner of the vehicle black box Insurance company automatic linkage service system in the event of a vehicle accident. According to claim 1, wherein the accident information includes insurance company account information associated with the location coordinate data of the vehicle, wherein the owner information includes the location coordinate data of the vehicle and the traffic accident occurrence information of the owner Insurance company automatic linkage service system in case of vehicle accident. According to claim 1, The vehicle accident service server, An account recognition module for identifying an insurance company registered through account recognition by analyzing accident information transmitted from the vehicle black box; A location information and contact information extraction module for extracting accident location information based on location coordinate data included in the accident information and extracting contact information of an acquaintance registered by the owner through an information database; Characterized in that it comprises a SMS transmission module for generating a text message (SMS) including the vehicle accident information to be transmitted to the registered insurance company and acquaintances and the owner's traffic accident occurrence information, to the insurance company server and acquaintance mobile communication terminal Insurance company automatic linkage service system in case of vehicle accident. The method of claim 1, wherein when text information about vehicle accident information is received from the vehicle accident service server, the received text information is analyzed to identify a registered customer, and based on the location coordinates obtained through the analysis. The insurance company automatic linkage service system for a vehicle accident, further comprising an insurance company server that provides the accident location information to the service personnel to ensure the emergency service for the customer by checking the accident location information through the information system. In a method for performing a service by automatically linking with an insurance company in a vehicle accident by using an insurance company automatic linkage service system comprising a vehicle black box, a vehicle accident service server, an insurance company server and an acquaintance mobile communication terminal, A vehicle accident information transmitting step of generating vehicle accident information including a current accident position coordinate and transmitting the generated vehicle accident information to the vehicle accident service server when a vehicle accident is detected in the vehicle black box; Receiving vehicle accident information from the vehicle accident service server, through the analysis of the vehicle accident information to check the registered insurance company and acquaintances mobile communication terminal, the vehicle to automatically transmit the vehicle accident information to the insurance company server and acquaintance mobile communication terminal The insurance company automatic linkage service method for a vehicle accident, comprising the accident linkage service step. According to claim 5, The accident information processing step, Analyzing the received vehicle accident information to recognize an account; And the vehicle accident location coordinate data and customer information as text information to an insurance company registered in the recognized account and a registered acquaintance mobile communication terminal. The method of claim 5, wherein when the insurance company server receives the vehicle accident information as text information, the vehicle accident information is analyzed to extract location information of the accident vehicle, and the customer information including the extracted location information is transmitted to the emergency service personnel by communication. The insurance company automatic linkage service method for a vehicle accident, characterized in that it further comprises an accident handling step for requesting emergency dispatch.

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