JP2001521226A - Electronic device that accurately manages premium consumption under various insurance policies - Google Patents

Abstract

The invention concerns electronic appliances authorised by a confidential code, and operating with cards or keys, sensitive to movements, read by sensors or capable of being GPS-connected, for providing by reading (also of the card or key), the amount of insurance used, thereby enabling the subscriber to pay a reasonable price. Several embodiments can be envisaged, all equipped with crystal liquid displays and digital keyboard. It is also possible to produce them on an industrial scale.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001] The present invention provides a method for optimizing the consumption of premiums applied to land vehicles, ships or aircraft, as well as humans and other objects or animals covered by insurance policies, in order to optimize their cost and efficiency. An electronic device that can be managed.

At present, it is not possible to quantify the use of premiums accurately. With the device,
Payment may be a pay-per-use basis.

The device can be fixed, portable or mobile. These devices are used, inter alia, to easily manage the periods of non-use of the insured line, which is very necessary, but very difficult for the company.

Available to the insured are two smart cards activated by the insurance company and a device capable of reading and writing information on the card. For each use, there is a double check with a PIN and card entered with a numeric keypad. At the end of the period, or at any time, the user can have the card read at an approved office and benefit from price reductions or "bonuses" in the next period. Several other management rules can be foreseen for operation. Product standardization is very flexible for use across the same group of offices, nationally or globally, and between different groups.

The central unit, which is a smart card reader / writer, can be implemented in many different ways.

[0006] Common to all devices: The microprocessor-based electronics housed in a fireproof sealed housing at the same level as the circuit of the card has two independent power supplies, one for storage. On the other hand, when the main power supply is external (mobile or fixed), it acts as a backup power supply in case of failure of this main power supply. The portable model has a backup power supply and a separate power supply for use.

[0007] The liquid crystal display device indicates the state of the device clearly and preferably in several languages. When switched on, the internal control will accept the access code and the validity of the smart card and indicate on the screen some items of information such as date and time, name of insurance company, policy number, expiration date etc. And technical alarms (power failure, malfunction, etc.)
Along with audible and visual alerts when approaching or exceeding limits. The keyboard allows selection of different menus. For fixed or mobile models,
It is possible to provide a remote keypad that can be integrated into the mobile version.

[0008] The first generation device detects movement with respect to three reference axes and allows different pricing decisions to be applied depending on whether there is movement. This is because the risks are not the same in both cases.

[0009] More advanced devices: The sensor can be replaced by a GPS receiver that informs the computer of movement, preferably also carrying navigation aids.

A device having all of the above features, except for an access code, does not use a smart card or special key, and via a modem or to a data processing system (computer) that may be in the insurance company premises. It is programmed (read / written) by connecting directly.

The device can now be implemented and the technology is available. Methods of implementation, electronic and mechanical solutions, vary. The industrial mass production of such devices can greatly reduce their cost. The device can be owned by each insurance company or sold to each policy holder.

[Procedural Amendment] Submission of translation of Article 34 Amendment of the Patent Cooperation Treaty

[Submission date] April 20, 2000 (2000.4.20)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction contents]

Patent application title: Electronic device for accurately managing insurance premium consumption under various insurance policies

[Claims]

DETAILED DESCRIPTION OF THE INVENTION

The present invention is an electronic device capable of managing the use of an insurance premium applied to an object such as a land vehicle, a ship, or an aircraft covered by an insurance policy, and stores information on the object and the insurance. At least one smart card or key stored and adapted to be read at an authorized insurance office, and a device supported by the object and capable of reading and writing information about the smart card or the key; The device relates to an electronic device including a microprocessor based electronic device, a power supply, a keypad for entering a security code and memory, and a display screen for viewing information regarding the operation of the device.

[0002] Devices of the above kind are disclosed in WO 94/25936 and essentially serve to alert the user to the expiration date of the insurance. Therefore, the chip supported by the card stores data on the object and the insurance policy. The device's microprocessor can prevent movement of the object when the insurance expires if the user did not change the tip.

An object of the present invention is to provide a device of the above type which can detect the use of a moving object covered by an insurance policy so that the risk of the insured can be easily divided.

[0004] Accordingly, the present invention provides an apparatus of the type described above, which detects movement of an object with respect to three reference axes and determines movement of the object in order to enable payment settlement to be determined according to the use of the object. Characterized by the inclusion of a movement sensor that allows different pricing of insurance to be applied depending on whether or not has moved.

[0005] The present invention also provides an apparatus of the type described above, wherein the movement of the object in time and space is recorded in order to be able to determine the payment according to the use of the object. It features a GPS system that detects movement with respect to one reference axis and enables different pricing of insurance to be applied depending on whether the object has moved.

Currently, it is not possible to quantify the use of premiums accurately. With the device according to the invention, payment can be made on a pay-per-use basis.

[0007] The device may be fixed, portable or mobile. These devices are used, inter alia, to easily manage the periods of non-use of the insured line, which is very necessary, but very difficult for the company.

Available to the insured are two smart cards activated by the insurance company and a device capable of reading and writing information on the card. For each use, there is a double check with a PIN and card entered with a numeric keypad. At the end of the period, or at any time, the user can have the card read at an approved office and benefit from price reductions or "bonuses" in the next period. Several other management rules can be foreseen for operation. Product standardization is very flexible for use across the same group of offices, nationally or globally, and between different groups.

The central unit, which is a smart card reader / writer, can be implemented in many different ways.

Common to all devices: A microprocessor-based electronics housed in a fire-tight housing at the same level as the card circuitry has two independent power supplies, one of which is a storage device On the other hand, when the main power supply is external (mobile or fixed), it acts as a backup power supply in case of failure of this main power supply. The portable model has a backup power supply and a separate power supply for use.

The liquid crystal display device clearly indicates the state of the device, preferably in several languages. When switched on, the internal control will accept the access code and the validity of the smart card and indicate on the screen some items of information such as date and time, name of insurance company, policy number, expiration date etc. And technical alarms (power failure, malfunction, etc.)
Along with audible and visual alerts when approaching or exceeding limits. The keyboard allows selection of different menus. For fixed or mobile models,
It is possible to provide a remote keypad that can be integrated into the mobile version.

The first generation device detects movement with respect to three reference axes and allows different pricing decisions to be applied depending on whether there is movement.

This is because the risk is not the same in both cases. In more advanced devices, the sensors can be replaced by GPS receivers that inform the computer of movement, preferably also carrying navigation aids.

Certain devices can have all of the above features, without the use of smart cards or special keys, except for access codes, and to a data processing system (computer) that can be in the insurance company premises. It is programmed (read / write) via a modem or by connecting directly.

The device can now be implemented and the technology is available. Methods of implementation, electronic and mechanical solutions, vary. The industrial mass production of such devices can greatly reduce their cost.

The device can be owned by each insurance company or sold to each policy holder.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme court ゛ (Reference) G06F 17/60 510 G06F 17/60 510 (81) Designated country EP (AT, BE, CH, DE, DK, ES, FI, FR, GB, GR, IE, IT, LU, MC, NL, PT, SE), OA (BF, BJ, CF, CG, CI, CM, GA, GN, ML, MR, NE, SN, TD, TG), AP (GH, KE, LS, MW, SD, SZ, UG, ZW), EA (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM), AL, AU, BA, BB, BG, BR, CA, CN, CU, CZ, EE, GE, HU, IL, IS, JP, KP, KR, LC, LK, LR, LT, V, MG, MK, MN, MX, NO, NZ, PL, RO, SG, SI, SK, SL, TR, TT, UA, US, UZ, VN, YU (71) Applicant BOITE POSTALE 66, MA MOUDZOU , F-97600 MAYO TTE, FRANCE

Claims (4)

[Claims] A sophisticated electronic device capable of managing the consumption of premiums applied to land vehicles, ships or aircraft, and also to humans and other objects or animals covered by insurance policies, the device comprising an access code. And an electronic device managed by a smart card, a magnetic strip card, or a key so as to include a storage device for storing data in the card or key and the device itself. 2. The apparatus of claim 1, wherein the mechanical device is responsive to movement about three reference axes.
An electronic device comprising a magnetic, electromagnetic or piezoelectric technology sensor. 3. The electronic device according to claim 1, wherein the recording of the movement in time and space is performed by a satellite-based global positioning system. 4. The apparatus according to claim 1, wherein the apparatus is connected to a computer via a modem or directly by means of a program (read / write).
An electronic device characterized by being written.