EP1968029B1 - System und Verfahren zur Feststellung von Arten, ein Fahrzeug zu nutzen, insbesondere für Anwendungen um Versicherungsfeld - Google Patents

System und Verfahren zur Feststellung von Arten, ein Fahrzeug zu nutzen, insbesondere für Anwendungen um Versicherungsfeld Download PDF

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Publication number
EP1968029B1
EP1968029B1 EP20080003918 EP08003918A EP1968029B1 EP 1968029 B1 EP1968029 B1 EP 1968029B1 EP 20080003918 EP20080003918 EP 20080003918 EP 08003918 A EP08003918 A EP 08003918A EP 1968029 B1 EP1968029 B1 EP 1968029B1
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EP
European Patent Office
Prior art keywords
vehicle
fact
data
instantaneous acceleration
collected
Prior art date
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Active
Application number
EP20080003918
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English (en)
French (fr)
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EP1968029A2 (de
EP1968029A3 (de
Inventor
Giuseppe Simonazzi
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Meta System SpA
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Meta System SpA
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Publication of EP1968029A2 publication Critical patent/EP1968029A2/de
Publication of EP1968029A3 publication Critical patent/EP1968029A3/de
Application granted granted Critical
Publication of EP1968029B1 publication Critical patent/EP1968029B1/de
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    • G—PHYSICS
    • G08—SIGNALLING
    • G08G—TRAFFIC CONTROL SYSTEMS
    • G08G1/00—Traffic control systems for road vehicles
    • G08G1/01—Detecting movement of traffic to be counted or controlled
    • G08G1/017—Detecting movement of traffic to be counted or controlled identifying vehicles
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/008—Registering or indicating the working of vehicles communicating information to a remotely located station
    • G—PHYSICS
    • G08—SIGNALLING
    • G08G—TRAFFIC CONTROL SYSTEMS
    • G08G1/00—Traffic control systems for road vehicles
    • G08G1/20—Monitoring the location of vehicles belonging to a group, e.g. fleet of vehicles, countable or determined number of vehicles

Definitions

  • This invention relates to a system and a relative method for detecting ways of using a vehicle, particularly for applications in the insurance field or the like.
  • Such appliances therefore make it possible to stipulate personalised insurance policies with a rate that varies and is based, besides on traditional parameters such as, e.g., the age of the user, the class of merit, the place the contract is entered into, but also on how much the vehicle is actually used.
  • the appliances of known type comprise, in general, a satellite receiver, of the type of a GPS receiver or the like, which permits locating the vehicle by means of the reading of the latitude, longitude and, if necessary, altitude coordinates.
  • These appliances further comprise a radio wave communication device, of the type commonly used within the field of mobile telephony, e.g., a GSM/GPRS two-way radio/transmitter.
  • the GSM/GPRS two-way radio/transmitter supports the sending of data collected by the appliance towards a remote storage and data processing unit.
  • the GSM/GPRS two-way radio/transmitter is used to receive, from the remote unit control, software updates relating to the appliances on board the vehicle.
  • the operation of the appliance contemplates the collection at regular intervals of data relating to the position of the vehicle by means of the GPS receiver and the subsequent transmission of such data towards the remote unit by means of the GSM/GPRS two-way radio/transmitter.
  • the data thus collected from the remote unit are then processed to determine data useful for calculating the insurance rate, e.g., the actual time of use of the vehicle, the hours of the day in which it is used and the areas within which the vehicle is used.
  • Further data can be collected by the appliance by using an accelerometer fitted on the vehicle and suitable for detecting changes in acceleration in a direction parallel to the longitudinal axis of the vehicle and in a direction at right angles to the longitudinal axis of the vehicle.
  • the analysis by the remote unit of the data collected by the accelerometer can be advantageously used to significantly reduce the percentage of accident frauds.
  • the main aim of this invention is to provide a system and a method for detecting ways of using a vehicle, that permit collecting and processing data more precise and useful for subsequent applications in the insurance field or the like.
  • detecting ways of using is meant the detection of those data potentially useful for the determination of the risks or of the events, meaning accidents or thefts, which the vehicle might undergo.
  • the system 1 also comprises a remote unit, shown in figure 1 with the reference 3, suitable for recording the data collected by the appliance 2 and processing these so as to make them easily usable, e.g., for applications in the insurance field.
  • a remote unit shown in figure 1 with the reference 3, suitable for recording the data collected by the appliance 2 and processing these so as to make them easily usable, e.g., for applications in the insurance field.
  • the arrangement of the first, of the second and of the third direction X, Y and Z with respect to the vehicle V is not important for the purpose of the correct operation of the accelerometer 6.
  • the accelerometer 6 must not necessarily be made integrated with the locator unit 4 and with the communication unit 7, but can be made of an outside device interfaceable with the other devices of the appliance 2 by means of suitable communication protocols.
  • the appliance 2 can be associated with an anti-theft system installed on the vehicle V, and the measurement of variations in acceleration along the direction Z can be used to detect any thefts perpetrated by lifting and towing the vehicle itself.
  • the communication unit 7 comprises a transmitter 8 and a receiver 9 operating within the frequency range with mobile telephony protocols of the GSM, GPRS, UMTS type or the like.
  • Sampling means 12 are placed operatively in between the locator unit 4 and the temporary storage means 11 and are suitable for sampling the position measurement of the vehicle V at regular intervals of distance covered. The sampling can be done, e.g., every 2 km of distance covered by the vehicle V.
  • the data collected and recorded by means of the temporary storage means 11 comprise a series of consecutive position measurements of the vehicle V, sampled at regular intervals of distance covered and associated univocally with the measurement of the respective sampling time instants.
  • the appliance 2 comprises comparison means 13 associated with the measurement device 6 for measuring the instantaneous acceleration suitable for comparing the acceleration measurements detected along the directions X, Y and Z with a predefined threshold value.
  • the data collected and recorded by means of the temporary storage means 11 comprise at least one reference measurement of a detected instantaneous acceleration and which is higher than the above threshold value, corresponding to a sudden acceleration or deceleration of the vehicle V along at least one of the three directions X, Y and Z.
  • This reference measurement are added a series of instantaneous acceleration measurements detected during the time intervals immediately before and after.
  • the data collected by the storage means 11 can comprise an identification reference of the vehicle V and, if necessary, an identification reference of one or more users of the vehicle itself.
  • the appliance 2 can comprise identification means of one or more users, of the type of a keyboard for entering an identification code, an electronic key, etc.
  • the start and, if necessary, the stop of the anti-theft system and of the theft policy can be piloted by the appliance 2 depending on just how dangerous the area is where the vehicle V is located as revealed by the locator unit 4.
  • the appliance 2 can comprise an interface apparatus 14 associable with at least one external electronic device suitable for recording and/or displaying in local the collected position and instantaneous acceleration data.
  • Such interfacing with an external electronic device can be used, e.g., in case of an accident, to determine how the accident happened on site or, in general, in case of its being impossible to communicate with the remote unit 3 because of damage to the communication unit 7 or due to lack of signal.
  • the appliance 2 is associable from the battery of the vehicle V. Furthermore, usefully, the appliance 2 has an independent power supply unit that starts in case of flat battery or accidental or voluntary interruption of the battery connection.
  • the remote unit 3 is suitable for recording and processing the data collected by the appliance 2 to make these potentially useful to the insurance companies to determine risks, meaning accidents or thefts, run by the vehicle V and, consequently, to determine personalised rating plans.
  • the data processed by the remote unit 3 can comprise: statistical data relating to vehicle use such as actual period of use, during which time of day or night, area of use and relative hazard rating as regards accidents or theft or the like ( Figure 4 ); statistical data and one or more graphic representations of the changes in instantaneous acceleration of the vehicle suitable for determining the way an accident happened ( Figures 5 and 6 ).
  • the method also contemplates the temporary storage of the collected position and instantaneous acceleration data inside the temporary storage means 11.
  • the measurement of the position detected by the locator unit 4 is sampled by the sampling means 12 at predefined intervals of distance covered by the vehicle V (e.g., every 2 km).
  • Each of the position measurements thus sampled is then associated univocally with an indication of the respective sampling time instant and subsequently recorded on the temporary storage means 11.
  • the position measurements thus collected are subsequently sent to the remote unit 3 by means of the communication unit 7.
  • this reference measurement is recorded on the storage means 11 together with a series of immediately preceding and subsequent instantaneous acceleration measurements.
  • the instantaneous acceleration measurements thus collected are afterwards sent to the remote unit 3 by means of the communication unit 7.
  • the method contemplates identifying a user of the vehicle V and associating the collected data with an identification reference of such user and/or an identification reference of the vehicle itself.
  • the method can comprise the processing of a plurality of data collected on separate vehicles V and received by the remote unit 3 to determine the intensity of the traffic along one or more road sections.
  • the method can comprise the identification and the indication of potentially hazardous situations during the transit of the vehicle V, due e.g. to high speed or degraded driving.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Burglar Alarm Systems (AREA)
  • Traffic Control Systems (AREA)

Claims (15)

  1. Verfahren zur Erfassung der Nutzungsarten eines Fahrzeugs (V), insbesondere zur Anwendung im Versicherungsbereich, umfassend die Ortung der Position eines Fahrzeugs (V) mit Hilfe eines Satellitensignalempfängers (5), die Messung der momentanen Beschleunigung des Fahrzeugs (V) in zumindest drei unterschiedliche Richtungen (X, X, Z) sowie das Senden der gesammelten Daten bezüglich der Position und momentanen Beschleunigung des Fahrzeugs (V) an zumindest eine Femerfassungs- und Verarbeitungseinheit (3), gekennzeichnet durch:
    - Verarbeitung der von der Femeinheit (3) gesammelten und empfangenen Daten zur Ermittlung statistischer Daten betreffend der Nutzung des Fahrzeugs (V), umfassend den tatsächlichen Nutzungszeitraum, in welcher Tages- oder Nachtzeit, den Nutzungsbereich sowie das relative Gefahrenpotential in Bezug auf Unfälle oder Diebstahl des Fahrzeugs und/oder eine graphische Darstellung der Veränderung der Momentanbeschleunigung des Fahrzeugs (V),
    - Identifizierung von potentiell gefährlichen Situationen während der Bewegung des Fahrzeugs, und
    - Meldung solcher gefährlicher Situationen an den Nutzer des Fahrzeugs (V).
  2. Verfahren gemäß Anspruch 1, dadurch gekennzeichnet, dass es sich bei dem Satellitensignalempfänger (5) um eine Bauart handelt, wie sie auch in Satellitennavigationssystemen wie z.B. dem Global Positioning System (GPS), dem Galileo Positioning System o.ä. verwendet wird.
  3. Verfahren gemäß einem oder mehreren der Ansprüche 1 und 2, gekennzeichnet durch die zeitweise Speicherung der gesammelten Daten vor der Sendung.
  4. Verfahren gemäß einem oder mehreren der Ansprüche 1 bis 3, gekennzeichnet durch eine stichprobenartige Positionsmessung des Fahrzeugs (V) in festgelegten Intervallen bezüglich einer zurückgelegten Distanz.
  5. Verfahren gemäß Anspruch 4, gekennzeichnet durch eine eindeutige Zuordnung zumindest einer der stichprobenartigen Positionsdaten zu einer Anzeige des jeweiligen Zeitpunktes der Stichprobe.
  6. Verfahren gemäß Anspruch 5, dadurch gekennzeichnet, dass die zeitweise Speicherung die Erfassung einer Vielzahl der stichprobenartigen Positionsmessungen, die der Messung der jeweiligen Zeitpunkte der Stichproben eindeutig zugeordnet sind, umfasst.
  7. Verfahren gemäß einem oder mehreren der Ansprüche 1 bis 6, gekennzeichnet durch einen Vergleich der erfassten momentanen Beschleunigungsmesswerte mit zumindest einem festgelegten Schwellenwert.
  8. Verfahren gemäß einem oder mehreren der Ansprüche 3 bis 7,
    dadurch gekennzeichnet, dass die zeitweise Speicherung die Erfassung zumindest eines Referenzmesswertes einer Momentanbeschleunigung, die im Wesentlichen höher ist als der Schwellenwert, sowie einer Reihe von Momentanbeschleunigungs-Messwerten vor und/oder nach der Referenzmessung umfasst.
  9. Verfahren gemäß einem oder mehreren der Ansprüche 1 bis 8, dadurch gekennzeichnet, dass die drei Richtungen (X, Y, Z) zur Messung der Momentanbeschleunigung im Wesentlichen rechtwinklig zueinander angeordnet sind.
  10. Verfahren gemäß einem oder mehreren der Ansprüche 1 bis 9, gekennzeichnet durch die Ermittlung der Momentanbeschleunigung des Fahrzeugs (V) unabhängig von der Anordnung der drei Messrichtungen (X, Y, Z).
  11. Verfahren gemäß einem oder mehreren der Ansprüche 1 bis 10, gekennzeichnet durch eine Verknüpfung der gesammelten Daten mit einem Kennungsprofil des Fahrzeugs (V) und/oder einem Nutzer des Fahrzeugs (V).
  12. Verfahren gemäß einem oder mehreren der Ansprüche 1 bis 11, gekennzeichnet durch die Identifizierung zumindest eines Nutzers des Fahrzeugs (V).
  13. Verfahren gemäß einem oder mehreren der Ansprüche 1 bis 12, gekennzeichnet durch einen Startpunkt für das Senden der gesammelten Daten in festgelegten Intervallen bezüglich der von dem Fahrzeug (V) zurückgelegten Distanz.
  14. Verfahren gemäß einem oder mehreren der Ansprüche 1 bis 13, gekennzeichnet durch die Erfassung der von der Femeinheit (3) gesammelten und empfangenen Daten.
  15. Verfahren gemäß einem oder mehreren der Ansprüche 1 bis 14, gekennzeichnet durch die Verarbeitung einer Vielzahl der von einzelnen Fahrzeugen (V) gesammelten und von der Femeinheit (3) empfangenen Daten zur Ermittlung der Verkehrsintensität in zumindest einem Straßenabschnitt.
EP20080003918 2007-03-06 2008-03-03 System und Verfahren zur Feststellung von Arten, ein Fahrzeug zu nutzen, insbesondere für Anwendungen um Versicherungsfeld Active EP1968029B1 (de)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
ITMO20070075 ITMO20070075A1 (it) 2007-03-06 2007-03-06 Sistema e metodo per il rilevamento delle modalita' di impiego di un veicolo, particolarmente per applicazioni in ambito assicurativo o simili

Publications (3)

Publication Number Publication Date
EP1968029A2 EP1968029A2 (de) 2008-09-10
EP1968029A3 EP1968029A3 (de) 2009-10-14
EP1968029B1 true EP1968029B1 (de) 2014-05-07

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EP20080003918 Active EP1968029B1 (de) 2007-03-06 2008-03-03 System und Verfahren zur Feststellung von Arten, ein Fahrzeug zu nutzen, insbesondere für Anwendungen um Versicherungsfeld

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EP (1) EP1968029B1 (de)
IT (1) ITMO20070075A1 (de)

Families Citing this family (13)

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Publication number Priority date Publication date Assignee Title
ITTO20070869A1 (it) * 2007-11-30 2009-06-01 Leonardo Chiarion Dispositivo per il monitoraggio e l'analisi della conduzione di un autoveicolo
WO2010095119A1 (en) * 2009-02-23 2010-08-26 Innfront Connexion (Pty) Limited Vehicle driving behaviour monitoring device and system and method of determining an insurance premium
ITMI20090794A1 (it) * 2009-05-11 2010-11-12 Dario Patrizio Melpignano Segnalazione automatica di incidenti stradali.
EP2375385A1 (de) * 2010-04-06 2011-10-12 Prozess Control GmbH Verfahren und System zur Bewertung des Fahrverhaltens eines Kraftfahrzeugführers
IT1402608B1 (it) * 2010-11-10 2013-09-13 Genertel S P A Metodo e kit per valutare lo stile di guida di un automobilista
ITMO20110226A1 (it) * 2011-09-01 2013-03-02 Meta System Spa Sistema e metodo per il monitoraggio delle modalita' di guida di un veicolo
US20130338851A1 (en) * 2011-12-02 2013-12-19 Maurice Lynch Automatic Accident Analysis
ITRM20120136A1 (it) * 2012-04-03 2013-10-04 Octo Telematics Spa "dispositivo e metodo per la rilevazione degli incidenti stradali, degli stili di guida e la localizzazione di veicoli"
ITRM20120144A1 (it) * 2012-04-05 2013-10-06 Octo Telematics Spa ¿dispositivo e metodo per la rilevazione degli incidenti stradali, degli stili di guida e la localizzazione di veicoli¿
ITRM20120143A1 (it) * 2012-04-05 2013-10-06 Octo Telematics Spa ¿dispositivo e metodo per la rilevazione degli incidenti stradali, degli stili di guida e la localizzazione di veicoli¿
ITRM20120172A1 (it) * 2012-04-23 2013-10-24 Octo Telematics Spa ¿dispositivo di ridotte dimensioni e metodo per la rilevazione degli incidenti stradali e degli stili di guida¿
ITMO20130187A1 (it) * 2013-06-26 2014-12-27 Meta System Spa Sistema e metodo di verifica geografico-temporale per veicoli
CN109741445A (zh) * 2019-01-20 2019-05-10 吴鹏翔 物体表面状态实时监测和数字化建模系统

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US8090598B2 (en) * 1996-01-29 2012-01-03 Progressive Casualty Insurance Company Monitoring system for determining and communicating a cost of insurance
JP3044025B1 (ja) * 1998-12-09 2000-05-22 株式会社データ・テック 運転傾向性の分析が可能な運行管理システム及びその構成装置
US7028546B2 (en) * 2003-10-21 2006-04-18 Instrumented Sensor Technology, Inc. Data recorder
US8600604B2 (en) * 2004-01-29 2013-12-03 Intelligent Mechatronic Systems Inc. Data integrity verification device
EP1792290A2 (de) * 2004-05-21 2007-06-06 Guardian Global Technologies, Inc. Diebstahlsicherungs- und unfalldetektionssystem und -verfahren

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ITMO20070075A1 (it) 2008-09-07
EP1968029A2 (de) 2008-09-10
EP1968029A3 (de) 2009-10-14

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