TWI663084B - Business method of combining vehicle electronic anti-theft system with insurance business - Google Patents

Abstract

A business method of combining a vehicle electronic anti-theft system with insurance business includes an electronic anti-theft system having an anti-theft lock and a wireless transceiver device connected to the anti-theft lock; an insurance service system storing a vehicle attached to the electronic anti-theft system A mobile device, the mobile device can be connected to the wireless transceiver device of the electronic anti-theft system, the mobile device is installed with an anti-theft and insurance service APP, the anti-theft and insurance service APP controls the anti-theft lock of the electronic anti-theft system and displays In the anti-theft lock state, the anti-theft and insurance service APP can be connected to the insurance service system network, and at least one insurance information provided by the insurance service system is displayed on the mobile device.

Description

Business method of combining vehicle electronic anti-theft system with insurance business

The present invention discloses a business method of combining an anti-theft system with insurance business, and in particular, it refers to a business method of connecting a vehicle electronic anti-theft system and an insurance service system with a mobile device and providing insurance business services.

Vehicles are usually equipped with anti-theft locks to prevent theft of the vehicle. The anti-theft lock can be locked or unlocked through the remote control or the APP of the mobile device. However, the APP of the mobile device is only for locking or unlocking operations; Vehicles usually purchase insurance, at least the compulsory liability insurance provided by the statute is required, but the conventional anti-theft lock is not connected to the insurance system, so the insurance system cannot provide discounts to users with good locking habits based on the operation history of the anti-theft lock, or Provide proactive insurance information.

The present invention discloses a business method of combining a vehicle electronic anti-theft system with insurance business, in particular a business method of connecting an electronic anti-theft system and an insurance service system with a mobile device APP and providing insurance information services. The vehicle electronic anti-theft system combines insurance business business method It includes an electronic anti-theft system with an anti-theft lock and a wireless transmitting and receiving device connected to the anti-theft lock. The anti-theft lock can be a pure electronic anti-theft lock that can control the use of the vehicle's power supply so that the vehicle cannot be started. The alarm is triggered. The anti-theft lock may be an electric anti-theft lock including a mechanical mechanism. The electric anti-theft lock of the mechanical mechanism may include a gear lever limiter to lock the vehicle by restricting the change of gear position of the gear lever. Unlocking behavior control; an insurance service system that can store the vehicle registration information of the vehicle attached to the electronic anti-theft system; a mobile device connected to the wireless transceiver device of the electronic anti-theft system, and an anti-theft and insurance service APP installed on the mobile device, Users of the anti-theft and insurance service APP can use the anti-theft and insurance The service APP controls the locking or unlocking of the anti-theft lock of the electronic anti-theft system, and displays whether the anti-theft lock is locked. The anti-theft and insurance service APP is connected to the insurance service system through the network, and the insurance service system provides insurance. The information is pushed to the mobile device and displayed on the anti-theft and insurance service APP.

In some embodiments, the electronic anti-theft system and the insurance service system store user insurance information, such as name, identity card number, credit card information, and other personal information stored in the insurance service system, and the car registration information of the attached vehicle, such as Vehicle license plate number is bound to user association.

In some embodiments, the electronic anti-theft system transmits the user usage history to the anti-theft and insurance service APP through a wireless transceiver device, and the anti-theft and insurance service APP transmits the user use history to the insurance service system through a network connection and stores, Preferably, both the anti-theft and insurance service APP and the insurance service system can store user usage history; in a preferred embodiment, when a vehicle is stolen, the user and the insurance company can respectively use the anti-theft and insurance service APP and The insurance service system reads the stored usage history of the user, so as to clarify the liability for theft and discuss claims.

In some embodiments, the user usage history may further include a locking habit, that is, the locking and unlocking records of the anti-theft lock. The insurance service system is formed by storing the user usage history and converting it into a discount calculation mode. The insurance information of an insurance discount scheme is pushed to the mobile device and the insurance discount is displayed by the anti-theft and insurance service APP. Preferably, the insurance service system can recommend at least one suitable insurance scheme based on the stored user usage history and push it to The mobile device is displayed by the anti-theft and insurance service APP.

In some embodiments, the anti-theft and insurance service APP may provide at least one regular and non-periodic insurance contract option, including displaying insurance information of a recommended insurance to a user for reference selection, wherein the insurance contract option further includes a travel insurance The anti-theft and insurance service APP is positioned by GPS or AGPS. The user can set a geographic range in the anti-theft and insurance service APP. The geographic range can be an area setting or a range of frequently traveled routes. GPS or AGPS positioning, When the user travels beyond a set geographic range, the anti-theft and insurance service APP will display a travel safety insurance notification to provide the user with a reference option. Conversely, when the user travels within a set geographic range, the anti-theft and insurance service app will not display a Travel safety insurance notification, use GPS or AGPS positioning and the anti-theft and insurance service APP to set the geographic range to determine whether to provide the travel safety insurance notification.

In some embodiments, the insurance service system stores insurance policy information of one of the users. The anti-theft and insurance service APP can provide insurance expiration notification, insurance renewal notification service, insurance renewal notification and insurance The expiration notification service can use the anti-theft and insurance service APP to perform insurance, renewal, or termination of the behavior model, and electronic payment through the credit card information tied to the insurance service system. When the user uses the anti-theft and insurance service APP, At least one identity verification is required to conduct the usage history, view policy information, add insurance, renew, cancel or e-payment, etc. to ensure the security of the user's personal data.

In some embodiments, the anti-theft and insurance service APP can provide additional services, such as providing a coupon, redemption coupon, voucher, or free coffee roll for download and use.

In some embodiments, the wireless transceiver device of the electronic anti-theft system may be one of GSM (Global System for Mobile Communications), WIFI or Bluetooth.

In some embodiments, the mobile device may be a portable device, such as a smart phone, a tablet computer, a personal computer, or a laptop computer; or a wearable device, such as a watch.

First, please refer to FIG. 1, which is a schematic block diagram of a commercial method of the vehicle electronic anti-theft system combined with insurance business according to the present invention. The commercial method of the vehicle electronic anti-theft system combined with insurance business includes a mobile device (1) and an electronic anti-theft system (2). And an insurance service system (3), wherein the mobile device (1) and the electronic anti-theft system (2) are connected via wireless means, and the mobile device (1) and the insurance service system (3) are connected via a network.

The electronic anti-theft system (2) has an anti-theft lock (21) and a wireless transceiver device (22) connected to the anti-theft lock (21). The anti-theft lock (21) can be a pure electronic anti-theft lock and can control the use of a vehicle The power supply or starting system makes the vehicle unable to start, and can further trigger the alarm; the anti-theft lock (21) can be an electric anti-theft lock including a mechanical mechanism, and the electric anti-theft lock of the mechanical mechanism can include a gearshift lever The limiter controls the behavior of locking or unlocking the vehicle by restricting the shift of the gearshift lever; the anti-theft lock (21) can receive the signal of the wireless transceiver device (22) for locking or unlocking, and the anti-theft lock (21) The locked or unlocked state can also be transmitted through the wireless transceiver device (22).

The insurance service system (3) can store car registration information (32) of an attached vehicle of the electronic anti-theft system (2), and can obtain and store a user of the electronic anti-theft system (2) through the mobile device (1) Use history (31), and provide an insurance information (33) to display on the mobile device (1).

The mobile device (1) can download and install an anti-theft and insurance service APP (11) (anti-theft and insurance service APP: anti-theft and insurance service mobile application), users of the anti-theft and insurance service APP (11) can use the The anti-theft and insurance service APP (11) controls the locking or unlocking of the anti-theft lock (21) of the electronic anti-theft system (2) through the wireless transceiver device (22), and displays the anti-theft lock (21) through the wireless transceiver device (22) ) Whether it is locked, the anti-theft and insurance service APP (11) and the insurance service system (3) are connected through the network, and the insurance service system (3) provides the insurance information (33) to the mobile device (1) and displayed in the anti-theft and insurance service APP (11), preferably, the wireless transceiver device (22) of the electronic anti-theft system (2) may be GSM (Global System for Mobile Communications), WIFI or Bluetooth. One; more preferably, the wireless transceiver device (22) is a Bluetooth device, and the mobile device (1) is connected to the electronic anti-theft system (2) through the Bluetooth.

In this embodiment, the user must first install the electronic anti-theft system (2) on a vehicle, use the mobile device (1) to download and install the anti-theft and insurance service APP (11), and use the user to operate the anti-theft and insurance service. APP (11) Enter the car registration information (32) of the attached vehicle of the electronic anti-theft system (2), bind the anti-theft and insurance service APP (11) and the electronic anti-theft system (2), or provide it through an insurance company The verification system is bound to the insurance service system (3), the mobile device (1) and the electronic anti-theft system (2). After the binding process is completed, the user can use the electronic anti-theft through the anti-theft and insurance service APP (11). System (2) and insurance and related services provided by the insurance service system (3).

The mobile device (1) may be a portable device, such as a smart phone, a tablet computer, a personal computer, a laptop computer, or a wearable device, such as a smart watch, a smart bracelet, and smart clothes. The present invention Not limited to these types of devices.

The electronic anti-theft system (2) can be mounted on a vehicle, which includes a car, a locomotive, an electric vehicle, or an electric bicycle.

The anti-theft and insurance service APP (11) and the insurance service system (3) can store a user information, such as name, identity card number, credit card information, and other personal information, as well as the vehicle registration information of the attached vehicle, such as license plate numbers.者 Association.

With this, the mobile device (1) can control the locking or unlocking of the anti-theft lock (21) of the electronic anti-theft system (2) through the anti-theft and insurance service APP (11), and display the status of the anti-theft lock (21) , Can also link the insurance service system (3) to transfer files and information.

Referring to FIG. 2 and FIG. 1, FIG. 2 is an operation flowchart of the business method of the vehicle electronic anti-theft system of the present invention combined with insurance business; in step S01, the anti-theft and insurance service APP (11) of the mobile device (1) is wirelessly The transceiver device (22) is connected to the electronic anti-theft system (2), the anti-theft and insurance service APP (11) can control the locking or unlocking of the anti-theft lock (21) of the electronic anti-theft system (2), and the electronic anti-theft system ( 2) The locked or unlocked state of the anti-theft lock (21) can also be transmitted to the anti-theft and insurance service APP (11) and displayed on the mobile device (1).

In step S02, the anti-theft and insurance service APP (11) can store the locked or unlocked state of the electronic anti-theft system (2) as a user usage history, and the user usage history can be stored on the mobile device (1), Or go to step S03, and send it to the anti-theft and insurance service APP (11) and store it as a user history (31), and the anti-theft and insurance service APP (11) sends the user history (31) to the insurance through a network connection The service system (3) is stored, preferably, the anti-theft and insurance service APP (11) and the insurance service system (3) can both store the user's use history (31); in a preferred embodiment, the user The use history (31) can further include a locking habit. When a vehicle is stolen, the user and the insurance company can access the stored information through the anti-theft and insurance service APP (11) and the insurance service system (3), respectively. The user's use history (31), the insurance company can clarify the theft responsibility and discuss the claim plan based on the locking habits recorded in the user's use history (31) and the state of the anti-theft lock (21) before theft.

In step S04, the insurance service system (3) can convert the record into a preferential calculation mode by storing the user usage history (31), and form insurance information of an insurance discount scheme, for example, the user usage history (31) It is shown that the anti-theft lock (21) has frequent locking and unlocking switching records, indicating that the user often locks the vehicle, and his behavior can reduce the theft rate of the vehicle. Therefore, he can actively proceed to step S05 and push the insurance information of the insurance discount scheme. To the anti-theft and insurance service APP (11), the mobile device (1) displays the insurance information by the anti-theft and insurance service APP (11).

In step S06, preferably, the insurance service system (3) can recommend at least one suitable insurance scheme according to the stored user usage history (31) and push it to the mobile device (1) by the anti-theft and insurance service APP ( 11) It is shown that insurance information for recommending insurance is provided through the anti-theft and insurance service APP (11). In this way, the insurance company can establish a user database to grasp market information, directly provide users with more meta services and benefits, and users can easily obtain insurance plans, which can improve the user's insurance application rate and renewal rate. , Users can also immediately apply for their own insurance.

In step S07, the anti-theft and insurance service APP (11) of the mobile device (1) can directly perform policy management. For example, when a new vehicle is purchased by an insurance company and a vehicle sales company to promote insurance products or to promote the vehicle, Proactively provide a free insurance (such as mandatory liability insurance or theft insurance), so users can directly access the policy management options of the theft prevention and insurance service APP (11) to view the policy information, and the policy content added in the future can also be viewed and managed .

Please refer to FIG. 3 and FIG. 4 at the same time. FIG. 3 is a schematic diagram of the application of the anti-theft and insurance service APP interface, which is one of the commercial methods of combining the vehicle electronic anti-theft system of the present invention with insurance business. One of the operations of the anti-theft and insurance service APP; After the mobile device (1) installs the anti-theft and insurance service APP (11), a start button appears on the screen. Click the button to open the program and enter the screen interface shown below. The interface includes electronic anti-theft system control (111), electronic anti-theft system status display (112), viewing policy information (113), insurance expiration notice (114), user history (115), and insurance recommendation notice (116) And settings (117), among which, the electronic anti-theft system control (111) field can directly display the "lock" and "unlock" buttons, which is convenient for users to directly control the anti-theft lock (21) on the vehicle. Lock or unlock; the electronic anti-theft system status display (112) field can display the status of the anti-theft lock (21) returned by the electronic anti-theft system, such as "locked" to determine the vehicle Enter the locked state; after clicking the field for viewing policy information (113), you can open the list of insured policies to view the content of the policy; the field for notification of insurance expiration (114) can be actively taken by the insurance service system (3) A soon-to-be-expired insurance content is actively sent to this field. After clicking, users can refer to the expiring insurance policy to decide whether to renew the insurance, add additional items or terminate the contract. After selection, they can perform identity verification or electronic payment. The insurance service system (3) can be bound in advance to use the user's credit card information for electronic payment. Since the identity verification and electronic payment technology are Xi's technology and are quite mature, they will not be repeated here.

The user usage history (115) field can be clicked to allow the user to view the user usage history by himself; as mentioned above, the user usage history can be stored on the mobile device (1) or uploaded to the insurance service system (3) for storage As one of the basis for clarifying and discussing the calculation of claims when the vehicle is stolen, the user's use history can include a locking habit and be converted from the insurance service system (3) into a preferential calculation model to create insurance information for an insurance discount scheme , And push it to the mobile device (1). The anti-theft and insurance service APP (11) displays a discounted insurance information and displays it in the column of the insurance recommendation notice (116). This can promote the transaction of insurance policies and facilitate Vehicle users apply for suitable insurance policies and increase the business transaction volume of insurance companies. Users can directly confirm the purchase of recommended insurance with a button. After confirmation, identity verification or electronic payment can be performed. The insurance service system (3) can be used in advance. The user uses the credit card information for electronic payment. Since the identity verification and electronic payment technology are Xi ’s technology and are quite mature, No longer.

Preferably, the anti-theft and insurance service APP (11) can provide at least one term contract and non-term contract insurance information selection, including displaying a recommended insurance plan notification to the user for reference selection, wherein the recommended insurance notification further includes a travel Ping An Insurance. In this embodiment, the anti-theft and insurance service APP (11) can be located via GPS or AGPS. A user can set a geographic range in the anti-theft and insurance service APP (11), and the geographic range can be an area. Set or a frequently traveled route range. With GPS or AGPS positioning, when the user travels beyond a set range, the anti-theft and insurance service APP (11) will display a travel safety insurance notification to provide users with reference options. Otherwise, when driving In a set range, the anti-theft and insurance service APP (11) will not display a travel safety insurance notification. The GPS or AGPS positioning and the anti-theft and insurance service APP (11) set the range to determine whether to provide the travel safety insurance. Notice.

In one embodiment, the anti-theft and insurance service APP (11) can provide additional services, such as providing a coupon, redemption coupon, voucher, or free coffee roll for download and use.

The present invention binds the mobile device (1), the electronic anti-theft system (2), and the insurance service system (3) through the anti-theft and insurance service APP (11). It is convenient for users to purchase insurance and enjoy insurance discounts. The advantage is that the insurance service provider can increase the chance of insurance policy transaction, and the electronic anti-theft system manufacturer can also share the profit with the cooperative insurance service provider.

1 Mobile device 11 Anti-theft and insurance service APP 111 Electronic anti-theft system control 112 Electronic anti-theft system status display 113 View policy information 114 Insurance expiration notification 115 User history 116 Insurance recommendation notification 117 Settings 2 Electronic anti-theft system 21 Anti-theft lock 22 Wireless transceiver 3 Insurance service system 31 User history 32 Vehicle registration data for attached vehicles 33 Insurance information

Figure 1 is a block diagram of the commercial method of the vehicle electronic anti-theft system of the present invention combined with insurance business; Figure 2 is the operation flowchart of the vehicle electronic anti-theft system of the present invention combined with insurance business; Figure 3 is the vehicle electronic anti-theft system of the present invention combined with insurance business; One of the business methods of the business is the schematic diagram of the application of the anti-theft and insurance service APP interface; FIG. 4 is a schematic diagram of the operation of the anti-theft and insurance service APP, which is one of the commercial methods of the vehicle electronic anti-theft system of the present invention combined with the insurance business.

Claims (4)

A business method of combining a vehicle electronic anti-theft system with insurance business includes: an electronic anti-theft system having an anti-theft lock and a wireless transceiver device connected to the anti-theft lock; an insurance service system storing a vehicle attached to the electronic anti-theft system A mobile device, the mobile device can be connected to the wireless transceiver device of the electronic anti-theft system, the mobile device is installed with an anti-theft and insurance service APP, the anti-theft and insurance service APP controls the anti-theft lock of the electronic anti-theft system and displays In the state of anti-theft lock, the anti-theft and insurance service APP can be connected to the insurance service system network, and at least one insurance information provided by the insurance service system is displayed on the mobile device; wherein the insurance service system or the anti-theft and insurance service APP stores A user history, the insurance service system converts the insurance information of an insurance discount plan into a preferential calculation mode according to the user history, and pushes it to the mobile device to display in the anti-theft and insurance service APP; wherein the user history includes The anti-theft lock is locked and unlocked using the user and The insurance company can read the stored user usage history through the anti-theft and insurance service APP and the insurance service system, and the insurance company can clarify the responsibility for the theft through the locking habits of the user's usage history and the state of the anti-theft lock before theft. Discuss with your claim plan. According to the commercial method of combining the vehicle electronic anti-theft system with insurance business according to item 1 of the claim, the insurance service system actively provides at least one recommended insurance insurance information displayed on the mobile device through the anti-theft and insurance reporting APP. The commercial method of combining the vehicle electronic anti-theft system with insurance business as described in the second item of the claim, wherein the recommended insurance includes a travel safety insurance. The commercial method of combining the vehicle electronic anti-theft system with insurance business as described in claim 3, wherein the anti-theft and insurance service APP link a GPS or AGPS positioning data and set a geographic range by detecting whether the used vehicle exceeds the Geographical scope determines whether to provide the travel safety insurance notice.