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
  • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
  • G06Q40/08—Insurance
• • 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
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/14—Payment architectures specially adapted for billing systems
  • G06Q20/145—Payments according to the detected use or quantity

Definitions

• the present invention relates to a geographic-temporal verification system and method for vehicles.
• Such systems comprise telematic appliances installed on board of motor vehicles to determine their actual use.
• These appliances first of all comprise a processing unit connectable to its station.
• Such appliances also comprise a radio-wave device, of the type commonly used in the field of mobile phones such as, e.g. a GSM, GPRS, UMTS transceiver or the like.
• a radio-wave device of the type commonly used in the field of mobile phones such as, e.g. a GSM, GPRS, UMTS transceiver or the like.
• the radio-wave device in particular, supports the sending of information stored in the appliance towards a remote station.
• the appliances of this type also include a satellite receiver, e.g., a GPS receiver, which permits localizing the motor vehicle.
• a satellite receiver e.g., a GPS receiver
• appliance operation involves the collecting of information relating to the position of the motor vehicle by means of the satellite receiver and the subsequent transmission of such information towards the remote station, by means of the radio-wave device.
• the collected information is then used to determine a "by consumption” insurance premium, i.e., based on the actual use of the insured motor vehicle.
• the main parameter used to establish the premium consists of the vehicle mileage during the period of validity of the insurance, e.g., one year or six months, etc. . .
• This system provides significant advantages to insurance companies and to a number of their insured clients, but does not fully exploit the potential offered by the above-described telematic appliances.
• the main aim of the present invention is to provide a geographic-temporal verification system and method for vehicles which permits increasing the technical scope of application of the telematic appliances for motor vehicles, especially for the purpose of maintaining client loyalty.
• one object of the present invention is to provide a geographic- temporal verification system and method for vehicles which permits maintaining the business of insurance company clients, particularly within the field of "by consumption” policies, with a premium based on mileage.
• Another object of the present invention is to provide a geographic-temporal verification system and method for vehicles which allow to overcome the drawbacks of the prior art in the ambit of a simple, rational, easy and effective to use as well as low cost solution.
• FIG. 1 is a schematic representation of the system according to the invention.
• reference number 1 is the system of the invention.
• the system 1 has been designed to perform a geographic-temporal verification of vehicles, with special reference to motor vehicles 2.
• the proposed system 1 permits, in synergy with "by consumption” policies, to maintain client loyalty, especially if used in commercial initiatives in agreement with third entrepreneurial parties, such as large organized distribution chains and the like.
• the system 1 of the invention in its more general aspects, first of all comprises a remote station 3, preferably having one or more dedicated electronic processors which are associated with at least one database.
• the system 1 also comprises at least one telematic appliance 4 that can be mounted on board of the car 2.
• the appliance 4 is of the type comprising: at least a location device, e.g., a satellite receiver, suitable for determining the position of the car 2; at least a communication device, e.g., a GSM, GPRS, UMTS transceiver or the like suitable for communicating with the station 3; and at least a processing unit to manage the location device and the communication device.
• a location device e.g., a satellite receiver
• a communication device e.g., a GSM, GPRS, UMTS transceiver or the like suitable for communicating with the station 3
• a processing unit to manage the location device and the communication device.
• Such processing unit can be of the type connectable to the station of the car 2.
• the satellite receiver can be of the type of a GPS, GLONASS receiver or the like and, therefore, can perform the triangulation of the signals coming from the constellation of artificial satellites 5.
• the processing unit of the appliance 4 receives, from the location device, data relating to its georeferencing (and consequently to that of car 2) and can transmit these to the station 3 using its communication device, if necessary with the interposition of radio links 6 or repeaters or other infrastructures that implement one of the numerous available telecommunication networks.
• the system 1 of the invention also comprises identification means 7, preferably of the portable type, comprising identification data which are suitable for associating the identification means 7 themselves with the car 2.
• such means which can advantageously comprise a smart card 7 or other similar electronic device, are associated in a binary relationship with the car 2.
• the identification data are recorded on an electronic memory included in such means 7.
• the aforementioned binary relationship can be of the univocal type, and in this case the identification data associate a single car 2 with the identification means 7; alternatively, the same identification means 7 can be associated with several cars 2, e.g., belonging to the same person or for which the same person has taken out car civil liability insurance policies, etc.
• the identification means 7 are able to identify a person, e.g., a person that carries them with him/her, as an individual associated with a given car 2.
• the invention then provides reading means 8 to read the identification data of the identification means 7.
• the reading means 8 comprise location data concerning the position of at least one geographic point of interest 9.
• point of interest is given here the meaning it has within the field of cartography and more in general of geography, where it is usually abbreviated in POI ("point of interest”); an alternative expression used in the same field, with the same meaning, is "waypoint”.
• the reading means 8 can be placed precisely at the geographic point of interest 9, which can e.g. be commercial premises, such as the supermarket shown in the illustration, or a filling station, a shop, but also a public library, etc...
• the location data are not necessarily the geographic coordinates of the point of interest 9, but may be data which are associated with such coordinates and are therefore able to convey in an indirect way the location of the point of interest.
• the reading means 8 of the invention are of the type suitable for communicating with the station 3 and for transmitting to it information relating to the identification data, to the location data and to the time when the identification data have been read.
• such location data could be included in an encrypted file sent to the station 3 by an electronic device included in the reading means 8.
• location data shall be meant data which are usable, including indirectly, to obtain the position of a point of interest 9.
• the position of the point of interest 9 is an important piece of information for the operation of the system 1; as has been said, it may already be known to the station 3 and, in this case, the location data are identification data of the point of interest.
• the reading means 8 could also directly include the geographic coordinates of the point of interest 9 which, in this case, would directly make up such location data.
• the location data associate the reading means 8 with the point (or points) of interest 9.
• the reading means comprise reading devices 8 for smart cards, suitable for automatically reading the identification data, this does not mean that, in the case of other identification means 7, manual intervention is ruled out.
• the reading means 8 can be of the type comprising a keyboard for keying in the code shown on the display screen, such code being read by a specific control unit included in the means 8 themselves.
• the identification means 7 comprise a USB token, it will be enough for the reading means to comprise a USB port.
• the reading means 8, with the purpose of the transmission of data to the station 3, can be equipped with a communication device like that contained in the telematic appliance 4 or with other devices suitable for the purpose.
• the station 3 comprises verification means to determine the position of the car 2 with respect to the geographic point of interest 9 at the time the reading means 8 read the identification data from the identification means 7.
• the verification means which may comprise a computer program, determine where the car 2 is located at the time the identification means 7 associated with it interact with the reading means 8.
• the insurance policy is combined with a loyalty-building program in agreement with commercial parties, e.g., forming part of the large-scale organized distribution sector or fuel distribution chains, etc.
• the above-mentioned loyalty-building program associates the purchases made in the supermarket 9 with a predetermined bonus for the mileage covered by the insured car 2 without any further cost for the insured party.
• the system 1 offers a solution to the problem of making sure the insured car 2 is really used to transport the owner/holder to the supermarket where the purchase is made, which is the reason why the above bonus is provided.
• the invention provides the above identification means 7, which comprise the identification data discussed above.
• the identification data can include an identification code of the car 2 itself, or of the holder of the policy relating to the car 2 or again of the policy itself; in any case, these make it possible to associate the car 2 with the identification means, hereinafter referred to in the exemplified form of the smart card 7.
• Such smart card 7 can be issued to the contracting party when the insurance policy is stipulated.
• the holder of the policy in the event of wanting to avail itself of the loyalty- building program, goes to the supermarket 9 using the insured car and taking with him/her the smart card 7.
• the smart card 7 will be presented to the cash desk, or to an automatic cash desk, and this will be read by means of the specific reading device of the reading means 8, which can be connected to the cash register (or integrated in this) to receive the purchase data relating to the amount of the purchases made.
• the reading means 7 will communicate to the station 3 the above information comprising the identification data, the location data referring to the supermarket 9, the purchase data and the datum relating to the moment the smart card 7 was read, substantially corresponding to the moment of the transaction.
• the station 3 also has at disposal the georeferenced information of the car 2, which has reached the station 3 from the telematic appliance 4, mounted on board of the car, which comprises the above location device and communication device.
• the above verification means can detect where the car 2 is located at the time the smart card 7 is read and thus verify whether the person who has made the purchases has gone to the supermarket with the insured car 2.
• the verification means are suitable, upon receiving the above information, for determining whether the distance of the car 2 from the point of interest 9, at the moment of reading, is below a reference value. In this case, the verification is positive if, at the moment of reading, the car 2 is within a radius of predefined amplitude from the supermarket 9.
• the station 3 precisely "knows" the coordinates of the car parks 10 of the supermarket 9 and can verify whether, at the moment of reading, the car 2 is parked in such car parks 10; in the case of a different type of point of interest, instead of the car parks there will be another area of interest relating to the specific case.
• This version is particularly suitable to the case of supermarkets 9 included in large shopping malls, and can be used to verify the above bonuses are not credited to whoever lives in neighboring areas to the supermarket 9 and can therefore leave the car parked at home, i.e., in any case in the proximity of the supermarket 9, to reach this on foot, taking the smart-card with him/her.
• the invention can make available a smart phone application to allow the holder of the policy to monitor the total mileage accumulated by means of bonus accrediting through his/her phone 11 or tablet or the like.
• the invention also provides a geographic-temporal verification method for vehicles 2.
• the proposed method comprises the following steps:
• a telematic appliance 4 that can be mounted on board of a vehicle 2 and comprising: at least a location device to determine the position of the vehicle 2; at least a communication device to communicate with the station 9; and at least a processing unit to manage the location device and the communication device;
• identification means 7 comprising identification data suitable for associating the identification means 7 with the vehicle 2; d. providing reading means 8, suitable for communicating with the station 3; e. identifying at least a geographic point of interest 9;
• the method of the invention is also specifically intended for motor vehicles and in particular for cars 2.
• the remote station 3, the telematic appliance 4, the identification means 7 and the reading means 8 provided by the method can be configured in the way explained at the time of describing the system 1, to which reference is therefore made.
• the verification step j. listed above can be implemented by determining whether the distance of the vehicle 2 from the point of interest 9, at the moment of reading, is below a reference value.
• the steps e. and f., relating to the identification of the point of interest 9 and to the determination of the location data, can be carried out by choosing as the point of interest 9 the place where the reading means 8 have been located.

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• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Finance (AREA)
• Engineering & Computer Science (AREA)
• Theoretical Computer Science (AREA)
• Economics (AREA)
• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Development Economics (AREA)
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• Technology Law (AREA)
• Traffic Control Systems (AREA)
• Management, Administration, Business Operations System, And Electronic Commerce (AREA)
• Electric Propulsion And Braking For Vehicles (AREA)

Applications Claiming Priority (2)

Publications (1)

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ID=49035772

Family Applications (1)

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Family Cites Families (2)

• 2013
  • 2013-06-26 IT IT000187A patent/ITMO20130187A1/it unknown
• 2014
  • 2014-06-24 EP EP14744179.4A patent/EP3014216A1/en not_active Withdrawn
  • 2014-06-24 WO PCT/IB2014/062566 patent/WO2014207660A1/en active Application Filing

Non-Patent Citations (2)

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