EP1025523B1 - Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature - Google Patents
Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature Download PDFInfo
- Publication number
- EP1025523B1 EP1025523B1 EP97912237A EP97912237A EP1025523B1 EP 1025523 B1 EP1025523 B1 EP 1025523B1 EP 97912237 A EP97912237 A EP 97912237A EP 97912237 A EP97912237 A EP 97912237A EP 1025523 B1 EP1025523 B1 EP 1025523B1
- Authority
- EP
- European Patent Office
- Prior art keywords
- insurance
- key
- card
- smart card
- movement
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Lifetime
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q99/00—Subject matter not provided for in other groups of this subclass
Definitions
- Such a device is known from WO 94/25 936 and serves basically to warn the user of the date insurance expiry date.
- a chip carried by a card stores the data relating to the object and the insurance contract.
- the microprocessor of the device can prevent movement of the object.
- the object of the invention is to provide a device for type defined above which is capable of apprehending the use made of a mobile object subjected to a insurance contract so that the insured risk could more easily be billed.
- the invention also relates to such a device which is characterized in that to allow payment determined according to the use of said object, it also includes a GPS system to record displacement in time and space of said object so detect any movement in three reference axes and to apply different insurance pricing according to that the object moves where not.
- the devices will be fixed, portable, or mobile. Among other things, they will allow easy management of the period of non-use of the insured thing, which companies have a lot of trouble implementing, but who corresponds to a real need.
- the central unit which will be a reader / writer of smart cards can be achieved in several ways.
- Microprocessor electronics enclosed in a waterproof and refractory housing at the circuit of the card, will have two independent power supplies, one allowing memories to be saved, the other will be used backup power in case of failure of the primary source when it comes from outside (mobile or fixed).
- the portable model will have a backup power and another power supply for use.
- a liquid crystal display will indicate in clear, possibly in several languages, the status of the device: internal management will take, when voltage, the validity of the access code and the smart card, may indicate on the screen a non-exhaustive number information such as date and time, name of the insurance company, subscriber number, end date validity, etc ... with audible and visual alarms for any approach or any passing of any stop, as well as technical alarms (power supply failure, operation, etc ).
- the keyboard will allow the selection of different menus.
- the fixed or mobile model can be equipped a remote keyboard, which will be incorporated in the version portable.
- the first generation device will be equipped with sensitive sensors that will detect any movement in the three axes of reference, which will allow the application a different price, depending on whether there is travel or not.
- the sensors sensitive can be replaced by a G.P.S. which will inform the computer of any movement, while possibly retaining its navigation aid function.
- Some devices may have all the above features without using a smart card or special key except the access code, and whose programming (read-write) is done by connection direct, or by modem, with a computer system (computer) can be located with the insurer.
- the devices are currently feasible, the technology being available.
- the production methods, the electronic and mechanical solutions are diverse.
- the mass production of such devices, would allow a substantial lowering of their cost.
Description
Claims (2)
- Dispositif électronique capable de gérer l'utilisation d'une prime d'assurance, appliquée à un objet tel qu'un véhicule terrestre, maritime ou aérien soumis à un contrat d'assurance, ce dispositif comprenant:au moins une carte à puce ou une clé dans laquelle sont mémorisées des informations concernant ledit objet et ladite assurance, ladite carte ou ladite clé étant destinée à être lue par une agence d'assurance habilitée, etun appareil porté par ledit objet et capable de lire et d'inscrire des informations sur ladite carte à puce ou ladite clé,ledit appareil comprenant une électronique à microprocesseur, une source d'alimentation, un clavier destiné à l'introduction d'un code confidentiel et une mémoire, et un écran d'affichage pour visualiser des informations d'exploitation de l'appareil,
- Dispositif électronique capable de gérer l'utilisation d'une prime d'assurance, appliquée à un objet tel qu'un véhicule terrestre, maritime ou aérien soumis à un contrat d'assurance, ce dispositif comprenant:au moins une carte à puce ou une clé dans laquelle sont mémorisées des informations concernant ledit objet et ladite assurance, ladite carte ou ladite clé étant destinée à être lue par une agence d'assurance habilitée, etun appareil porté par ledit objet et capable de lire et d'inscrire des informations sur ladite carte à puce ou ladite clé,ledit appareil comprenant une électronique à microprocesseur, une source d'alimentation, un clavier destiné à l'introduction d'un code confidentiel et une mémoire, et un écran d'affichage pour visualiser des informations d'exploitation de l'appareil,
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/FR1997/001888 WO1999021112A1 (fr) | 1997-10-20 | 1997-10-20 | Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature |
Publications (2)
Publication Number | Publication Date |
---|---|
EP1025523A1 EP1025523A1 (fr) | 2000-08-09 |
EP1025523B1 true EP1025523B1 (fr) | 2002-05-22 |
Family
ID=9503858
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP97912237A Expired - Lifetime EP1025523B1 (fr) | 1997-10-20 | 1997-10-20 | Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature |
Country Status (6)
Country | Link |
---|---|
EP (1) | EP1025523B1 (fr) |
JP (1) | JP2001521226A (fr) |
AT (1) | ATE217991T1 (fr) |
AU (1) | AU4950397A (fr) |
DE (1) | DE69712800D1 (fr) |
WO (1) | WO1999021112A1 (fr) |
Families Citing this family (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8090598B2 (en) | 1996-01-29 | 2012-01-03 | Progressive Casualty Insurance Company | Monitoring system for determining and communicating a cost of insurance |
US8140358B1 (en) | 1996-01-29 | 2012-03-20 | Progressive Casualty Insurance Company | Vehicle monitoring system |
KR100430904B1 (ko) * | 1999-12-23 | 2004-05-12 | 주식회사 카포인트 | 운행거리 및 시간에 따른 선불식 자동차 보험 처리방법 및처리시스템 |
US7343306B1 (en) | 2000-04-20 | 2008-03-11 | International Business Machines Corporation | Location-based vehicle risk assessment system |
KR20020045186A (ko) * | 2000-12-08 | 2002-06-19 | 오성준 | 유/무선 통신망을 이용한 차량 보험 이벤트 관리 시스템및 이를 이용한 차량 보험 이벤트 관리 방법 |
JP3726024B2 (ja) * | 2001-02-05 | 2005-12-14 | 株式会社損害保険ジャパン | 保険料決定装置、保険料決定方法および保険料決定プログラム |
JPWO2003065261A1 (ja) * | 2002-01-30 | 2005-05-26 | 富士通株式会社 | 個人の行動情報を用いた保険処理システムおよび方法 |
JP4487723B2 (ja) * | 2004-10-15 | 2010-06-23 | ソニー株式会社 | 自動車保険料計算システム、自動車保険料計算装置、及び自動車保険料計算プログラム |
US9916625B2 (en) | 2012-02-02 | 2018-03-13 | Progressive Casualty Insurance Company | Mobile insurance platform system |
Family Cites Families (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4667336A (en) * | 1985-10-09 | 1987-05-19 | Burlington Industries, Inc. | Automatic detection of seat belt usage |
NO165467C (no) * | 1988-08-26 | 1991-02-13 | Norwegian Biotronics | Fremgangsmaate til registrering av motorkjoeretoeys kjoeremoenster og et apparat i form av en intervallteller til utfoerelse av fremgangsmaaten. |
FR2704670A1 (fr) * | 1993-04-30 | 1994-11-04 | Laprevotte Jim | Système de contrôle administratif et antivol pour véhicule utilisant un support bi-modules mémoire. |
ES2108613B1 (es) * | 1994-09-01 | 1998-08-01 | Perez Salvador Minguijon | Sistema para evaluar el riesgo en vehiculos automoviles. |
US5459304A (en) * | 1994-09-13 | 1995-10-17 | At&T Ipm Corp. | Smart card techniques for motor vehicle record administration |
-
1997
- 1997-10-20 AU AU49503/97A patent/AU4950397A/en not_active Abandoned
- 1997-10-20 EP EP97912237A patent/EP1025523B1/fr not_active Expired - Lifetime
- 1997-10-20 DE DE69712800T patent/DE69712800D1/de not_active Expired - Lifetime
- 1997-10-20 AT AT97912237T patent/ATE217991T1/de not_active IP Right Cessation
- 1997-10-20 JP JP2000517362A patent/JP2001521226A/ja not_active Withdrawn
- 1997-10-20 WO PCT/FR1997/001888 patent/WO1999021112A1/fr active IP Right Grant
Also Published As
Publication number | Publication date |
---|---|
AU4950397A (en) | 1999-05-10 |
JP2001521226A (ja) | 2001-11-06 |
DE69712800D1 (de) | 2002-06-27 |
ATE217991T1 (de) | 2002-06-15 |
WO1999021112A1 (fr) | 1999-04-29 |
EP1025523A1 (fr) | 2000-08-09 |
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