JP2002117237A - System and operating device for risk subdivison type car insurance - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a voluntary car insurance system in which an insurance user can receive an insurance service at a low cost. SOLUTION: An insurance fee corresponding to driver conditions of respective members of a user group for utilizing one vehicle on condition that a plurality of persons uses the same vehicle. A driver characteristic extracting device 100 mounted on the vehicle recognizes a driver and monitors how the vehicle is used, whether the vehicle use condition of each member of the contracted user group fits in well with the actual vehicle use situation by each member is confirmed, and when the vehicle use condition does not fit, insurance contract contents are changed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a voluntary automobile insurance, and more particularly to a risk-divided automobile insurance.

[0002]

2. Description of the Related Art Conventionally, vehicle insurance includes, for each vehicle, data relating to the driver such as the age and driving experience of the driver who uses the vehicle, and the type, weight, equipment (airbag, ABS, etc.) of the vehicle. The insurance premium is determined from the information related to the vehicle of, for example, "A vehicle with an airbag limited to drivers aged 26 or older, the warranty is ..." pays a fixed fee with a one-year contract. It has become.

[0003] However, under the above conditions, there is no guarantee if a 20-year-old driver uses the vehicle and causes an accident. As a result, the insurance for the vehicle will be very expensive, taking into account the warranty of the 20-year-old driver.

[0004]

SUMMARY OF THE INVENTION It is an object of the present invention to provide an optional automobile insurance system which enables an insurance user to receive insurance services at a low cost.

[0005]

According to the present invention, it is assumed that a plurality of persons use the same vehicle, and each structure of a user group that uses the same vehicle. The insurance premium will be paid according to the driver's conditions in the worker. Therefore, it becomes possible for the insurance user to receive the insurance service at a low price.

In addition to the above, in the risk subsistence type automobile insurance system according to the second aspect, the driver recognition device mounted on the vehicle recognizes the driver and monitors the use condition of the vehicle. In the system described in 3, the vehicle usage conditions of each member of the contracted user group and the actual vehicle usage status of each member are confirmed. In the system according to the fourth aspect, the insurance contract is changed in the case of nonconformity.

Here, the driver conditions for each member of the user group may include at least the driver's age and driving history. As the risk subdivided type automobile insurance operation apparatus, an apparatus including driver recognition means, vehicle-side communication means, ground-side communication means, and management means is used. This makes it possible to grasp the use condition of the vehicle based on the recognition result of the driver, and manage the compatibility between the insurance contract contents and the actual contents.

Here, a driving skill evaluation device is mounted on a vehicle as described in claim 7, and further, as set forth in claim 8, the driving skill evaluation device includes a braking technology, a steering technology, and a traveling speed. In order to evaluate at least one of the compliance with traffic regulations, and as set forth in claim 9, the assessment of the compliance with traffic regulations is performed by recognizing a traffic sign using a camera. Then, it becomes practically preferable.

[0009]

Embodiments of the present invention will be described below with reference to the drawings. First, an outline of the risk-division type automobile insurance system will be described. The present system adopts a fee system in which insurance premiums change according to the conditions of each driver, assuming that a plurality of people use the same vehicle. For example, in a vehicle that is usually used by a family, if a young person who is a member of the family only uses the vehicle occasionally, instead of paying the annual insurance fee corresponding to the youngest person, each member of the family The insurance fee is determined according to the usage time ratio and the mileage ratio. Such a voluntary car insurance fee structure is cheaper than a conventional fee structure, so that an insurance company can acquire many customers.

[0010] The insurance premium is calculated by statistically processing data on accidents caused by humans. Here, younger people are more likely to cause an accident due to a short driving history, a tendency to drive at an excessive speed, and the like, so that the fee is high. In this case, young drivers who drive very little in the car will see little benefit in paying for voluntary insurance,
You may not get any insurance. If this driver causes an accident (particularly in the case of a personal injury), the driver will be burdened economically.
In such a case, the insurance system has a fee structure in which drivers who drive for a short period of time change their insurance rates according to their driving hours. Will increase.

Further, even when the driver changes every day like a rental vehicle, the insurance fee for the rental vehicle which has been conventionally set uniformly can be reduced by setting the insurance fee according to the conditions of the driver and the usage time. It can be cheaper, which lowers the rental fee for those who use the rental vehicle. Therefore, in a rental vehicle company, the number of users (customers) can be increased.

As described above, a more detailed arbitrary insurance fee system than before can be set, and the insurance premium burden on insurance subscribers (users) can be reduced. This advantage also allows insurance companies to increase the number of customers.

In order to guarantee this fee system, it is necessary that the conditions of the driver in each vehicle do not differ from the declared conditions. Therefore, a management / operation system that guarantees that there is no difference between the declaration condition and the use condition is required. If it is found that the filing conditions are different from the usage conditions, the insurance subscriber (driver) will settle the premium, and if the filing conditions and usage result are significantly different, a penalty will be made. Pay money. In this way, the system guarantees that the declaration conditions are complied with.

Hereinafter, the system configuration, insurance subscription, operation / management, etc. will be described in detail. FIG. 1 shows the overall configuration of the insurance system. The overall configuration is divided into a vehicle-side device and a ground-side device. The on-vehicle device includes a driver characteristic extracting device 100, a microcomputer 200, a memory 300, an ECU (electronic control unit) 400, a memory 500, a GPS device 600, and a communication device 700. The driver characteristic extracting device 100 is a device for extracting a characteristic of a driver of a vehicle, and includes, for example, a CCD camera for recognizing a driver's face, a CCD camera for recognizing a driver's fingerprint, A sweat sensor for performing a DNA test can be used. Then, the microcomputer 200 inputs the measurement signal from the driver characteristic extracting device 100 to confirm the driver, and records the result in the memory 500.

In this embodiment, the driver characteristic extracting device 10
0 constitutes a driver confirmation device and driver confirmation means. The memory 300 is connected to an ID (card) checker, so that the ID checker can read a driver ID, which is data relating to driver confirmation, from the card and store it in the memory 300. Also, ECU
Reference numeral 400 denotes a device for performing engine control, ABS control, and the like, and executes engine control and ABS control by inputting signals from a vehicle speed sensor and a steering sensor. Here, in the present system, signals from a vehicle speed sensor and a steering sensor are stored in the memory 500. Similarly, the GPS device 600 is a device for measuring position coordinates of a vehicle, and position coordinate measurement data is stored in the memory 500. Thus, the memory 500
, Data on the vehicle driving status including the date and time is recorded. The communication device 700 includes an antenna, and can transmit data relating to the vehicle driving state stored in the memory 500 and a driver ID of the memory 300 to a management organization (management company) on the ground side.

On the other hand, as the equipment on the ground side, the communication equipment 8
00 and a management center PC (PC; personal computer, hereinafter the same) 900. The communication device 800 can communicate with the on-board communication device 700 and receives data on the vehicle driving status. The management center PC 900 stores data on the vehicle driving status transmitted via the communication devices 700 and 800. Also, the management center PC 900
Is connected to the insurance company PC 1000. That is,
The insurance company and the company that manages insurance can communicate with each other by communication. As specific communication means, mobile phones,
DSRC (Dedicated Short Range Communicati)
on; short-range communication), wireless LAN, or the like.

In this embodiment, the communication device 700 constitutes vehicle-mounted communication means for transmitting the recognition result by the driver characteristic extraction device 100 to the ground. The communication device 800 constitutes a ground-side communication unit that receives data from the vehicle-mounted communication device 700 on the ground side. Further, the management center PC900 grasps the use condition of the vehicle on the ground side based on the recognition result of the driver via the ground side communication device 800, and manages the compatibility between the insurance contract contents and the actual contents. Means.

FIG. 2 shows a data flow in the insurance system. First, as a step 1, a person (family, company) who wants to join insurance makes an application using the information terminal of the insurance company and registers the driver's report.

In step 2, a contract is registered in the insurance company database via the insurance company information terminal. In step 3, the equipment installation schedule is set up between the information terminal of the insurance company and the equipment installation organization (and the management company). That is, the schedule for mounting the vehicle-mounted device shown in FIG. 1 to the vehicle is adjusted.

In step 4, the equipment mounting organization mounts the on-vehicle equipment and performs an operation test. In step 5, the equipment installation organization notifies the management company that the installation of the on-vehicle equipment has been completed.

In step 6, data communication is started between the insurance company and the management company. In step 7, the operation of data communication is started between the vehicle-mounted device and the management company, and information can be transmitted.

In step 8, operation (data exchange) is performed between the vehicle-mounted device and the management company. In step 9, data communication is performed between the management company and the insurance company.

In step 10, a charge collection request is made from the insurance company to a charge payment financial institution. Step 11
The insurance company notifies the insurance subscriber (family, company) of a fee payment request.

In step 12, the insurance subscriber pays the fee to the paying financial institution. In step 13, the receipt data is sent from the fee paying financial institution to the insurance company.

FIG. 3 shows a more specific flow from insurance subscription to operation. In FIG. 3, a person who wants to take out insurance (here, it is assumed that the family takes out insurance) informs the insurance company of that fact. When contracting this voluntary car insurance, the driver group (here, the family) decides what kind of driving each member of the group has by the insurance solicitor.
C (or the internet homepage of the insurance company). More specifically, insurance applicants
Create a list. For example, it is written in a declaration item list shown in FIG. As the entry items, the name (in the case of FIG. 4,
4), gender, age, relationship, driving history, accident history, driving technique, vehicle usage time (in FIG. 4, three vehicles A, B, C)
For insurance at the same time).

Then, as shown in FIG. 3, the list is sent from the applicant to the insurance company and stored as list data. The insurance company calculates the fee and presents it to applicants. Specifically, the monthly fee is calculated by referring to the table of insurance premiums managed by the insurance company from the above list. This fee calculation uses the insurance company's fee calculation software to calculate the basic premium for each member of the family.
The annual usage time is calculated from the usage time per month, and the annual fee and monthly fee are calculated from the annual usage time.
In the case of a rental vehicle, the calculation is performed not once per year but per use or per use time.

Here, the concept of the fee calculation will be described. The insurance fee based on gender, age, driving history, etc. can be calculated by a conventional insurance fee calculation method. That is, the probability that the vehicle will have an accident is calculated from the vehicle usage time of each vehicle. For example, when the driver of the age group of 50 to 55 years old drives the vehicle A, the probability that the vehicle will have an accident in one year is a, and the amount paid per accident is b yen. The insurance money S to be paid by the insurance company when the vehicle A driven by a 50-55 year old driver has an accident in one year is as follows: S = a × b.

The values of a and b are statistical values for the year according to the vehicle type and the age. However, if more detailed statistical values can be obtained, more detailed charge setting can be performed. If the time is set in detail, the fee can be calculated in detail. For example, it is also possible to create an insurance fee table based on usage such as commuting use and shopping use and the use time zone to calculate the insurance fee. In other words, it can be said that it is treated as an insurance service for the life cycle of using a vehicle.

Returning to the description of FIG. 3, the applicant wants to subscribe, sees the contents of the presentation, determines whether or not to take out insurance, and if he / she subscribes, registers with the insurance company. At the time of this registration, the contractor uses the information terminal (or the Internet) of the insurance solicitor to fill in the declaration conditions. At this time, the IDs of the family members and the conditions of use are specified.

In this data input, if there is an electronic data medium (certificate data issued by an insurance company or a predetermined institution) that certifies the driving history of the driver, the data is taken in, so that the data can be obtained in a short time. Input can be completed. Further, such a card may be issued as a service of the insurance company for the second and subsequent contracts. The card may be used for driver recognition when the driver drives the vehicle. In addition, various insurance option contracts and the like can be input as conditions.

When a contract is made, the contract is registered with the insurance company. The driver group ID and the I
D, the driving condition report data and the like are sent to the insurance company, and the use conditions of each vehicle are registered in the same manner as in the above-mentioned list. The history of accidents in such list data is investigated in an insurance company database. In addition, the driving technique based on the list data is initially declared by the person, but is actually determined by analyzing data collected by the vehicle-mounted device. The insurance company decides whether to inform the subscriber of this result. The collection and evaluation of driving techniques from onboard equipment will be described later in detail.

After the registration process has been performed in the insurance company, the installation of the equipment is requested to an equipment installation agency (such as a dealer). At the time of this request, when the subscriber decides to make a contract, the installation of the device can be automatically reserved to a dealer or the like.

Then, a schedule for mounting the equipment is set in the equipment mounting organization. This equipment installation schedule is determined between the subscriber and the equipment installation organization. More specifically, the equipment installation schedule (e.g., a dealer) is automatically set, and the result is notified to the insurance subscriber and the insurance company. Subscribers (driver groups)
On the designated day, the vehicle is taken to the equipment installation agency, the equipment is mounted, the equipment is adjusted, and the operation test of the equipment is performed. When the installation is completed in this manner, the fact is notified to the insurance company and the vehicle management company.

Although the management system is handled by a company different from the insurance company, it may be provided in the insurance company. In addition, the vehicle is provided with an E for integrally managing the above-mentioned in-vehicle devices.
If a CU (electronic control unit) or gateway function is provided, the system may be configured to monitor and record the data and periodically transmit the data to the management company.

In the operation test (operation confirmation) of the equipment, measured data for the set operation is sent to the management center without error using a designated course or simulation equipment. Make sure that If the measurement accuracy is low, the equipment is adjusted. After the device is installed, it is checked whether the vehicle-mounted device can reliably detect the driver. Basically, the operation of each member of the family is first photographed with a CCD camera and registered. Thereafter, while monitoring the driving appearance with the CCD camera, when the driver changes, it is confirmed that it is possible to determine who the driver has changed. This driver determination is to record the driver's appearance once every 10 seconds after the activation device of the vehicle is turned on,
Record who performed the driving and from what time until what time. The result is also sent to the vehicle management company. In addition, those that express the characteristics of the driver (eg, fingerprints, irises, sweat DNA)
), The driver can be specified more reliably. Furthermore, a method of comparing the driver's figure captured by the CCD camera with the data (two-dimensional or three-dimensional) of the driver (contractor) stored in the memory may be used.

Returning to the description of FIG. 3, after the device is installed, the vehicle-mounted device operates when the subscriber drives the vehicle, and data necessary for using the vehicle is collected and sent to the vehicle management company. The vehicle management company compiles the transmitted data and sends the data to the insurance company. That is, the measurement data received from the in-vehicle device is recorded by the management company, and the recording result is transferred to the insurance company. Specifically, the management company aggregates the data sent from multiple vehicles for each vehicle, associates the vehicle with which policyholder group of insurance, converts the data into the necessary data by the insurance company, and Submit to the company. Insurance companies look at this data, check it and collect penalties if necessary. That is, the insurance company checks whether the operation data is different from the declaration of the driver group, and calculates the insurance fee. The calculated insurance fee is transmitted to the paying financial institution and to the subscriber. Then, the subscriber pays the fee to the insurance company through the financial institution.

In the insurance company, the insurance premium is changed based on the driving history of the driver sent from the management company, or the excellent driver is determined from the driving data record, and the insurance premium of the driver is reduced. And so on.

When the communication between the vehicle-mounted device and the management company is started and the operation is performed, the operation history may be recorded on the ID medium of the driver group. In the case where a contract is made with a group such as a family, a fine insurance service can be provided according to the family's vehicle usage time. Specifically, for example, a family buys a car, but a child has to take out insurance on the condition of a child in order to ride the car, and therefore pays a high insurance premium every year. Also, if you take out insurance under your parent's terms, you will not be covered if your child has an accident. The insurance system eliminates these inconveniences and can provide insurance services at a low insurance premium even when a family rides in the same car. Also, if the insurance system can be applied to all vehicles used by family members, insurance can be used regardless of which vehicle is used. In particular, this system is effective when a car maker and an insurance company make a tie-up, and is initially installed at a low cost as a service of an insurance company, rather than being installed at the discretion of the car manufacturer like an airbag. And if it permeates society, it will be standard equipment on vehicles.

Further, in this system, who in the family, during what time, for how many hours, what kind of driving is monitored,
The insurance fee is calculated based on the result, and if the monitored result is far from the declared condition, the subscriber is notified of the difference and the difference insurance can be collected. Further, when the conditions are better than the declared conditions or when the driving technique is improved, it is possible to receive a refund from the detailed evaluation. The result of monitoring the vehicle is periodically checked by the insurance company to check whether there is any difference from the contractor's declaration. For example, if the usage time of the vehicle is extremely longer than the declaration, a premium (penalty) is collected. Furthermore, when it is determined that a person other than the contractor often uses the vehicle, it is possible to inquire whether there is a danger in the event that the person has an accident and whether insurance for the person is necessary. Further, the calculated fare is transmitted to the driver group. At this time, it is also possible to give driving precautions or the like to each contractor driver. In addition, the insurance premium may be reduced if the driving technique improves.

On the other hand, the accident history and the driving technique of each person in the list created by the contract are analyzed in detail and recorded as evaluation points of the driving technique. The registered data is collated with vehicle history data periodically sent from the vehicle.

The evaluation of the driving technique is performed using the equipment (driving technique evaluation device) mounted on the vehicle for the following items. The driving skill evaluation device refers to the vehicle speed sensor, the steer link sensor, and the like in FIG. (1). For the braking technique, a signal from a brake pedal operation detection sensor for a brake control system is used. (2). For steering technology, the signal of a steering wheel operation detection sensor for a steering control system is used. (3). For the traveling speed, a signal from a speed sensor is used. (4). The compliance with traffic regulations is embodied by performing traffic sign recognition using a CCD camera.

The data measured by at least one of the above (1) to (4) is sent to a management company that manages vehicle running records using communication equipment, and the braking technology, the steering technology, the running speed, and the traffic laws and regulations are sent. Compliance is assessed for at least one.

After the contract, these items are regularly reviewed from the driving history of each person. If you become older and your driving becomes unstable, your premium will be higher. On the other hand, even for young people, if you drive safely, insurance premiums will be cheaper.

If the equipment is already mounted on the vehicle, no installation is required. From this processing, conventionally, assuming that a child uses three vehicles, there is no need to pay a high insurance premium for young people. If insurance premiums become cheaper, users who did not take out insurance will come to take out insurance, and the profits of insurance companies will improve. Furthermore, being able to occupy this system would be more advantageous for acquiring customers than other insurance companies.

As described above, this embodiment has the following features. (B) Assuming that a plurality of people use the same vehicle, insurance premiums are paid according to driver conditions for each member of the user group who uses the vehicle, so that the cost is low for insurance users. Will be able to receive insurance services.

More specifically, each member of the user group pays an insurance premium in accordance with the driver's conditions, recognizes the driver by a driver recognition device mounted on the vehicle, monitors the usage status of the vehicle, and It is checked whether the vehicle usage conditions of each member of the user group match the actual vehicle usage conditions of each member. If the vehicle usage conditions do not match, the insurance contract contents are changed. (B) The driver conditions for each member of the user group can include at least the driver's age and driving history. (C) As shown in FIG. 1, a driver feature extraction device 100 that recognizes a driver of a vehicle as a risk subdivided type automobile insurance operation device having a hardware configuration, as shown in FIG.
And a vehicle-mounted communication device 700 for transmitting a recognition result by the driver characteristic extracting device 100 to the ground. On the ground, a ground communication device 800 for receiving data from the vehicle-mounted communication device 700; A management center PC900 for grasping the use condition of the vehicle based on the recognition result of the driver via the side communication device 800 and managing the compatibility between the insurance contract contents and the actual contents is provided.

In particular, a steering sensor and a vehicle speed sensor are mounted on a vehicle, and these sensors are used to evaluate at least one of a braking technique, a steering technique, a traveling speed, and compliance with traffic regulations. Is evaluated by recognizing a traffic sign using a camera, which is practically preferable.

[Brief description of the drawings]

FIG. 1 is an overall configuration diagram of a system.

FIG. 2 is a diagram showing a data flow in the insurance system.

FIG. 3 is a diagram showing a flow from insurance subscription to operation.

FIG. 4 is a diagram showing a declaration item list.

[Description of Signs] 100: Driver feature extraction device, 200: microcomputer, 30
0: memory, 400: ECU (electronic control unit), 5
00: memory, 600: GPS device, 700: communication device, 800: communication device, 900: management center PC.

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Claims (9)

[Claims] An insurance premium according to a driver condition of each member of a user group who uses the vehicle is provided on the assumption that a plurality of people use the same vehicle. Risk subdivision type car insurance system. 2. Assuming that a plurality of people use the same vehicle, pay insurance premiums according to driver conditions for each member of a user group that uses the vehicle, and install a driver mounted on the vehicle. A risk subdivided automobile insurance system characterized in that a driver is recognized by a recognition device to monitor the use condition of a vehicle. 3. Assuming that a plurality of people use the same vehicle, pay insurance premiums according to driver conditions for each member of a user group using the vehicle, and install a driver mounted on the vehicle. The recognition device recognizes the driver and monitors the usage of the vehicle to confirm whether the usage conditions of the vehicle of each member of the contracted user group match the actual usage of the vehicle of each member. A risk subdivided car insurance system characterized by the following. 4. Assuming that a plurality of people use the same vehicle, each member of a user group who uses the vehicle pays an insurance premium according to driver conditions and a driver mounted on the vehicle. Recognize the driver by the recognition device and monitor the usage status of the vehicle, confirm whether the usage conditions of the vehicle for each member of the contracted user group match the actual usage status of the vehicle for each member, In the event of a non-compliance, the insurance contract is changed to provide a subdivided risk insurance system. 5. The risk subdivided automobile insurance system according to claim 1, wherein the driver conditions for each member of the user group include at least a driver's age and a driving history. A risk subdivided car insurance system characterized by the following: 6. A system for setting an insurance premium according to a driver condition in each member of a user group using a vehicle, on the assumption that a plurality of people use the same vehicle. Driver recognition means mounted on the vehicle and recognizing the driver of the vehicle; vehicle-mounted communication means mounted on the vehicle and transmitting the recognition result by the driver recognition means to the ground; On the ground side, receiving data from the communication means on the ground side, and on the ground side, grasping the usage status of the vehicle based on the recognition result of the driver via the ground side communication means, and checking the insurance contract contents and the actual contents And a management means for managing the suitability of the vehicle. 7. The risk-divided automobile insurance operation device according to claim 6, wherein a driving skill evaluation device is mounted on the vehicle. 8. The risk-divided automobile insurance operation device according to claim 7, wherein the driving technology evaluation device is for evaluating at least one of a braking technology, a steering technology, a traveling speed, and compliance with traffic regulations. A risk division type automobile insurance operation device characterized by the following. 9. The risk-divided automobile insurance operation device according to claim 8, wherein the evaluation of the compliance with traffic regulations is performed by recognizing traffic signs using a camera. .