JP2002230303A - Device, method and program for premium determination - Google Patents

Abstract

PROBLEM TO BE SOLVED: To lighten the burden of policy management on a contractor by evading a traffic accident caused by an uninsured vehicle and determining a premium corresponding to risk factors momentarily changing during a drive of an automobile. SOLUTION: This device is equipped with a user access control part 250 which generates a password for allowing the engine of the automobile to be started when an insurance contract is made and installs the password in an onboard machine on the automobile after the insurance contract is made and a premium calculation part 270 which determines a premium per travel according to parameters of risk factors corresponding to the drive state of the automobile 400.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a premium determining apparatus, a premium determining method and a premium determining program for determining an insurance premium of an automobile, based on a risk factor which changes momentarily during driving of the automobile. The present invention also relates to a premium determining device, a premium determining method, and a premium determining program for determining the premium.

[0002]

2. Description of the Related Art Conventionally, in automobile insurance, an insurance premium determined mainly based on external risk factors such as a use of a vehicle, a vehicle type, a displacement, a driver's age, etc. is paid in advance in accordance with a contract period. Collected from the contractor. Such a method of determining the premium based on external risk factors is called a defined premium method. Conventionally,
There is also a method of determining the premium based on the mileage and the purpose of use, but this method is regarded as a defined premium method.

[0003] Also, during the insurance contract period, if the external risk factors change, the change is reflected in the insurance premium by notifying the insurer in writing from the contractor. The reason for such written notice is:
This is because it is difficult for the insurer to accurately grasp the usage situation of the contractor, which is changing from moment to moment, and to avoid unnecessary disputes.

[0004]

By the way, as described above, conventionally, although there is insurance for avoiding traffic accidents due to uninsured vehicles, mainly due to human error in procedures such as forgetting to apply insurance or expiration, etc. , Did not work. In other words, in the case of uninsured vehicles, the liability for damage to persons, objects, etc. due to traffic accidents will be fulfilled with their own property, so that bankruptcy and the inability to provide sufficient compensation to the victims Has occurred. At present, such an uninsured car problem can only be completely avoided at the driver's own risk.

[0005] Conventionally, there has been a problem that it is difficult to avoid the above-described uninsured vehicle problem and to effectively determine an insurance premium according to a risk factor that changes every moment while driving a car.

Further, in the past, since insurance policy was handed to the contractor on a paper basis, there was a problem in that the insurance policy was liable to be damaged, damaged, lost, etc., and the contractor's management burden was large.

[0007] The present invention has been made in view of the above,
Insurance premiums that can avoid traffic accidents caused by uninsured vehicles and can determine insurance premiums according to risk factors that change every moment while driving a car, reducing the burden on policyholders of managing insurance policies It is an object of the present invention to provide a determining device, a premium determining method, and a premium determining program.

[0008]

In order to achieve the above object, the invention according to claim 1 includes a start permission information generating means for generating start permission information for permitting an engine start of the vehicle at the time of insurance contract. Installing means for installing the start permission information in the engine control unit of the vehicle after the insurance contract, risk factor parameter collecting means for collecting risk factor parameters according to the driving condition of the vehicle, and based on the risk factor parameters. hand,
Insurance premium determining means for determining an insurance premium per run.

According to the present invention, the start of the engine is permitted while the start permission information is installed in the engine control unit, and the insurance premium per one run is determined based on the risk factor parameter. It is possible to avoid a traffic accident caused by a car and to determine an insurance premium according to a risk factor that changes every moment while driving a car.

[0010] The invention according to claim 2 is based on claim 1.
The insurance premium determination device described in (1), further comprising a settlement means for deducting the insurance premium from the prepaid insurance premium collected from the contractor.

According to the present invention, since the insurance premium is deducted from the prepaid insurance premium, the convenience of the contractor's payment can be improved.

The invention according to claim 3 is based on claim 1.
The insurance premium determination device according to any one of claims 1 to 3, further comprising a settlement unit configured to settle the insurance premium by post-payment.

According to the present invention, since the insurance premium is settled by post-payment, it is possible to provide a fee collection service standing on the contractor side.

[0014] The invention according to claim 4 is based on claim 1.
In the insurance premium determining device according to any one of to 3,
The insurance premium determining means determines the insurance premium based on a determination criterion set for each risk factor parameter.

According to the present invention, the insurance premium is determined based on the determination criterion set for each risk factor parameter, so that the insurance premium can be determined more finely for each risk parameter. The service to the contractor can be improved.

Further, the invention according to claim 5 is the invention according to claim 1.
In the insurance premium determining device according to any one of to 4,
At least a portable recording medium for recording the start permission information and the insurance policy information is provided.

According to the present invention, the starting permission information and the insurance policy information are recorded on a portable recording medium, so that a paper-based insurance policy becomes unnecessary, and the management burden of the policyholder on the insurance policy is reduced. be able to.

The invention according to claim 6 is based on claim 1.
In the insurance premium determination device according to any one of to 5,
An authentication unit that authenticates a contractor based on a result of reading the start permission information and the insurance policy information of the recording medium and information input by a holder of the recording medium; If it is determined that the user is not the contractor, there is provided fraudulent notification means for notifying the contractor that the recording medium has been illegally used.

According to the present invention, the improper use of the recording medium is notified to the contractor, so that the impersonation of the contractor by a third party can be prevented, and the reliability of the insurance is improved. be able to.

The invention according to claim 7 is based on claim 1.
In the insurance premium determination device according to any one of to 6,
It is characterized by comprising insurance premium notification means for notifying the contractor of the insurance premium.

According to the present invention, the insurance premium is notified to the contractor, so that the insurance premium can be recognized almost in real time, and the service for the contractor can be improved.

The invention according to claim 8 is the first invention.
In the insurance premium determining device according to any one of to 7,
A safe driving information notifying means for generating safe driving information on safe driving based on the risk factor parameter and notifying the contractor of the safe driving information is provided.

According to the present invention, safe driving information relating to safe driving is generated based on risk factor parameters,
Since this safe driving information is notified to the contractor,
It can contribute to preventing traffic accidents.

According to a ninth aspect of the present invention, there is provided the first aspect of the present invention.
In the insurance premium determining device according to any one of to 8,
The information processing apparatus further includes an advice information notifying unit that generates advice information on safe driving based on the risk factor parameter and notifies the contracted passenger of the vehicle of the advice information.

According to the present invention, advice information on safe driving is generated based on the risk factor parameter, and this advice information is notified to the contractor, thereby contributing to the prevention of traffic accidents.

According to a tenth aspect of the present invention, in the insurance premium determining apparatus according to any one of the first to ninth aspects, the correlation between the risk factor parameter and the premium premium is stored in the vehicle. It is characterized by comprising insurance premium notification means for notifying the boarding passenger.

According to the present invention, the correlation between the risk factor parameter and the premium premium is notified to the contractor, so that the risk factor is reduced for the contractor, thereby saving the insurance premium. By consciously implanting that it will be possible, it is possible to motivate safe driving by saving insurance premiums.

The invention according to claim 11 provides a start permission information generating step for generating start permission information for permitting an engine start of the vehicle at the time of an insurance contract, and an engine control unit of the vehicle after the insurance contract. An installation step of installing the start permission information; a risk factor parameter collection step of collecting risk factor parameters according to the driving condition of the vehicle; and an insurance for determining an insurance premium per run based on the risk factor parameters. And a fee determining step.

According to the present invention, the start of the engine is permitted in a state where the start permission information is installed in the engine control unit, and the insurance premium per one run is determined based on the risk factor parameter. It is possible to avoid a traffic accident caused by a car and to determine an insurance premium according to a risk factor that changes every moment while driving a car.

According to a twelfth aspect of the present invention, in the insurance premium determining method according to the eleventh aspect, a settlement step of deducting the insurance premium from a prepaid premium collected from a contractor is settled. I do.

According to the present invention, since the insurance premium is deducted from the prepaid insurance premium, the convenience of the contractor's payment can be improved.

According to a thirteenth aspect of the present invention, there is provided the insurance premium determining method according to the eleventh aspect, further comprising a settlement step of performing a post-payment settlement of the insurance premium.

According to the present invention, since the insurance premium is settled by post-payment, it is possible to provide a fee collection service standing on the contractor side.

According to a fourteenth aspect of the present invention, in the insurance premium determining method according to any one of the eleventh to thirteenth aspects, in the insurance premium determining step, the determination criterion set for each risk factor parameter is used. The insurance fee is determined based on the insurance premium.

According to the present invention, the insurance premium is determined based on the determination criterion set for each risk factor parameter, so that the insurance premium can be determined more finely for each risk parameter. The service to the contractor can be improved.

According to a fifteenth aspect of the present invention, in the insurance premium determining method according to any one of the eleventh to fourteenth aspects, at least the portable recording medium for recording at least the starting permission information and the insurance policy information. Is used.

According to the present invention, the starting permission information and the insurance policy information are recorded on a portable recording medium, so that a paper-based insurance policy becomes unnecessary, and the policyholder's burden of managing the insurance policy is reduced. be able to.

According to a sixteenth aspect of the present invention, in the insurance premium determining method according to any one of the eleventh to fifteenth aspects, the result of reading the start permission information and the insurance policy information of the recording medium and An authentication step of performing contractor identity authentication based on information input by the owner of the recording medium; and, if the owner is determined not to be the contractor by the authentication step, the record is sent to the contractor. And a fraudulent reporting step of reporting that the medium has been illegally used.

According to the present invention, the improper use of the recording medium is notified to the contractor, so that impersonation of the contractor by a third party can be prevented, and the reliability of the insurance is improved. be able to.

According to a seventeenth aspect of the present invention, in the insurance premium determining method according to any one of the eleventh to sixteenth aspects, an insurance notification step for notifying a policyholder of an insurance premium is provided. It is characterized by.

According to the present invention, since the insurance premium is notified to the contractor, the insurance premium can be recognized almost in real time, and the service to the contractor can be improved.

According to an eighteenth aspect of the present invention, in the insurance premium determining method according to any one of the eleventh to seventeenth aspects, safe driving information relating to safe driving is generated based on the risk factor parameter. The method includes a safe driving information notifying step of notifying the contractor of the safe driving information.

According to the present invention, safe driving information relating to safe driving is generated based on risk factor parameters,
Since this safe driving information is notified to the contractor,
It can contribute to preventing traffic accidents.

According to a nineteenth aspect of the present invention, in the insurance premium determining method according to any one of the eleventh to eighteenth aspects, advice information on safe driving is generated based on the risk factor parameter. It is characterized by including an advice information notification step of notifying the advice information to a contractor who has boarded the car.

According to the present invention, advice information on safe driving is generated based on the risk factor parameter, and the advice information is notified to the contractor, thereby contributing to the prevention of traffic accidents.

According to a twentieth aspect of the present invention, in the insurance premium determining method according to any one of the eleventh to nineteenth aspects, the correlation between the risk factor parameter and the premium premium is stored in the automobile. It is characterized in that it includes an insurance premium surcharge notification step for notifying the boarding contractor.

According to the present invention, the correlation between the risk factor parameter and the premium premium is notified to the contractor, so that the risk factor is reduced for the contractor, thereby saving the insurance premium. By consciously implanting that it will be possible, it is possible to motivate safe driving by saving insurance premiums.

Further, the invention according to claim 21 is a step of generating start permission information for generating start permission information for permitting start of the engine of the vehicle at the time of insurance contract, and providing the start control information to the engine control unit of the vehicle after the insurance contract. An installation step of installing the start permission information; a risk factor parameter collection step of collecting risk factor parameters according to the driving condition of the vehicle; and an insurance for determining an insurance premium per run based on the risk factor parameters. A premium determining program for causing a computer to execute the premium determining step.

According to the present invention, the start of the engine is permitted while the start permission information is installed in the engine control unit, and the insurance premium per one run is determined based on the risk factor parameter. It is possible to avoid a traffic accident caused by a car and to determine an insurance premium according to a risk factor that changes every moment while driving a car.

According to a twenty-second aspect of the present invention, in the insurance premium determining program according to the twenty-first aspect, there is provided a settlement step of deducting the insurance premium from a prepaid insurance premium collected from a contractor. I do.

According to the present invention, since the insurance premium is deducted from the prepaid insurance premium, the convenience of the contractor's payment can be improved.

According to a twenty-third aspect of the present invention, the insurance premium determining program according to the twenty-first aspect includes a settlement step of performing a post-payment settlement of the insurance premium.

According to the present invention, since the insurance premium is settled by post-payment, it is possible to provide a fee collection service standing on the contractor side.

According to a twenty-fourth aspect of the present invention, in the insurance premium determining program according to any one of the twenty-first to twenty-third aspects, in the insurance premium determining step, a determination criterion set for each risk factor parameter is used. The insurance fee is determined based on the insurance premium.

According to the present invention, the insurance premium is determined based on the criterion set for each risk factor parameter, so that the insurance premium can be determined more finely for each risk parameter. The service to the contractor can be improved.

According to a twenty-fifth aspect of the present invention, in the insurance fee determining program according to any one of the twenty-first to twenty-fourth aspects, at least the portable recording medium for recording at least the starting permission information and the insurance policy information. Is used.

According to the present invention, the starting permission information and the insurance policy information are recorded on the portable recording medium, so that the paper-based insurance policy becomes unnecessary, and the policyholder's management burden on the insurance policy is reduced. be able to.

According to a twenty-sixth aspect of the present invention, in the insurance premium determination program according to any one of the twenty-first to twenty-fifth aspects, a result of reading the start permission information and the insurance policy information of the recording medium and An authentication step of performing contractor identity authentication based on information input by the owner of the recording medium; and, if the owner is determined not to be the contractor by the authentication step, the record is sent to the contractor. And a fraudulent reporting step of reporting that the medium has been illegally used.

According to the present invention, the unauthorized use of the recording medium is notified to the contractor himself / herself, so that the impersonation of the contractor himself / herself by a third party can be prevented, and the reliability of the insurance is improved. be able to.

According to a twenty-seventh aspect of the present invention, the insurance premium determining program according to any one of the twenty-first to twenty-sixth aspects includes an insurance premium notification step of notifying a policyholder of an insurance premium. It is characterized by.

According to the present invention, the insurance premium is notified to the contractor, so that the insurance premium can be recognized almost in real time, and the service to the contractor can be improved.

According to a twenty-eighth aspect of the present invention, in the insurance premium determination program according to any one of the twenty-first to twenty-seventh aspects, safe driving information on safe driving is generated based on the risk factor parameter. The method includes a safe driving information notifying step of notifying the contractor of the safe driving information.

According to the present invention, safe driving information relating to safe driving is generated based on risk factor parameters,
Since this safe driving information is notified to the contractor,
It can contribute to preventing traffic accidents.

According to a twenty-ninth aspect of the present invention, in the insurance premium determining program according to any one of the twenty-first to twenty-eighth aspects, advice information on safe driving is generated based on the risk factor parameter. It is characterized by including an advice information notification step of notifying the advice information to a contractor who has boarded the car.

According to the present invention, the advice information on safe driving is generated based on the risk factor parameter, and this advice information is notified to the contractor, so that it is possible to contribute to the prevention of the occurrence of a traffic accident.

According to a thirtieth aspect of the present invention, in the insurance premium determination program according to any one of the twenty-first to twenty-ninth aspects, a correlation between the risk factor parameter and a premium premium is stored in the vehicle. It is characterized in that it includes an insurance premium surcharge notification step for notifying the boarding contractor.

According to the present invention, the correlation between the risk factor parameter and the premium is notified to the contractor, so that the risk factor is reduced by reducing the risk factor for the contractor. By consciously implanting that it will be possible, it is possible to motivate safe driving by saving insurance premiums.

[0068]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, with reference to the drawings, a first embodiment and a second embodiment of a computer readable recording medium storing an insurance premium determining method, an insurance premium determining method and an insurance premium determining program according to the present invention will be described in detail. Will be described.

(Embodiment 1) FIG. 1 is a block diagram showing the configuration of Embodiment 1 according to the present invention. FIG. 1 shows an insurance premium determination system for determining an insurance premium based on a risk factor that changes every moment while a vehicle is running. In FIG. 1, illustration of communication devices (terminal adapters, routers, firewalls, and the like) necessary for Internet connection is omitted for simplicity of description.

In this figure, contractor-side client 1
The 00 ₁ to 100 _n each is an n computers apparatus installed on the contractor side of the car insurance, the computer main body, a display, a keyboard, a mouse or the like. These contractor clients 100 ₁
To 100 _n are TCP / IP (Transmission
According to the Control Protocol / Internet Protocol, a server 200 described later can be accessed via the Internet 130.

Further, these contractor-side clients 10
0 _{1 to} 100 _n are operated by the contractor at the time of new contract, insurance premium / risk information inquiry, continuation contract, etc., which will be described later. Further, the contractor side client 100 _1-
100 _n is provided with a Web browser (not shown) for browsing Web pages.

[0072] IC card reader / writer 110 is connected to the subscriber side client 100 _1, IC, which functions as an insurance policy (Integrated Circuit) card 12
0 is a device that executes data read / write for 0. The IC card 120 has a resin
121 is embedded, and the central processing unit and 8k to 32
It has k bytes of memory. This IC card 120
Records a contractor ID for identifying a contractor, information on an insurance policy, and the like, and serves as an insurance policy.

In the IC card reader / writer 110, the card insertion slot 111 is an opening into which the IC card 120 is inserted. The card reader 112 has a function of reading data from the IC card 120 inserted into the card insertion slot 111. The card writer 113 has a function of writing data to the IC card 120.

The control unit 114 employs a read / write control of the card reader 112 and the card writer 113 and a communication interface with an external device (in this case, the client 100 ₁ on the contractor side). Although not shown in the figure, other contractor-side clients 100 ₂ to 100 ₂
An IC card reader / writer having the same configuration as the IC card reader / writer 110 is also connected to 0 _n .

The manager client 140 is connected to the server 2
It is installed on the side of the administrator at 00 and comprises a main body, a display, a keyboard, a mouse, and the like. This administrator-side client 140 complies with TCP / IP
The server 200 can be accessed via the Internet 130. Also, this administrator side client 1
Reference numeral 40 is operated by an administrator during maintenance of the server 200, registration / update of various information, and the like.

The server 200 is a client 1 on the contractor side.
00 function of accepting access from _{1 ~100 n,} a function of performing the authentication of subscribers, the ability to calculate the insurance premium based on the risk factors described above, a function of performing the settlement of insurance premiums,
It has a function of generating risk information to be described later, a function of managing an accident history, a function of managing accident statistics, and the like.

The communication interface unit 210 has a TCP /
According to the IP, communication with an external device via the Internet 130 is controlled. Web page generation unit 220
Automatically generates the Web pages shown in FIGS. 17 to 21, respectively. Authentication unit 230, for example, by operating a subscriber-side client 100 _1, contractors have been accessed via the Internet 130 to authenticate whether the person.

The database control unit 240 controls access to the contractor information database 300 to the accident history / statistics information database 370. Hereinafter, the contractor information database 300 to the accident history / statistics information database 370 will be described in detail with reference to FIGS.

The contractor information database 30 shown in FIG.
Reference numeral 0 denotes a database for storing policyholder information on a policyholder of an automobile insurance, and includes “policy ID”, “password”, “policy name”, “address”, “date of birth”, “mail address”, There are fields such as "phone number", "security number", "insurance type", "insurance period", "number", "vehicle insurance amount", "personal insurance amount", and so on.

The “contractor ID” is an identifier for identifying the contractor, and is given by the insurance company. The “password” is issued by the server 200 at the time of a new contract. “Contractor name” is information on the name of the contractor. “Address” is information on the address of the contractor. "Date of birth" is information on the date of birth of the contractor. "E-mail address" is information on an e-mail address for contacting the contractor.

The "telephone number" is information on a telephone number for contacting the contractor. "Security number" is information on the security number assigned to the automobile insurance policy. “Insurance type” is information on the type of car insurance. “Insurance period” is information on the insurance period of the car insurance, that is, the contract period. "Number" is information on the number of the automobile to be insured. "Vehicle insurance money" is information on the vehicle insurance money. “Personal insurance amount” is information related to personal insurance.

Prepaid insurance premiums table 310 shown in FIG.
Is a table showing the correspondence between the age group and the prepaid insurance premium, and has fields of “age group” and “prepaid insurance premium”. “Age” is information on the age of the contractor. “Prepaid premium” is information on the prepaid premium corresponding to the age group. Here, in the first embodiment, a collection method is adopted in which the prepaid insurance premium is collectively collected from the contractor in advance, and the premium calculated every time the vehicle is driven is subtracted from the prepaid insurance premium. ing.

The prepaid premium information database 320 shown in FIG. 5 is a database for storing information on prepaid premiums that have been prepaid by the contractor, and includes “contractor ID”, “latest prepaid date”, “prepaid premium”. "And" Prepaid premium balance "
Field. "Contractor ID" is synonymous with "Contractor ID" shown in FIG. The “latest prepaid date” is information on the latest date when the prepaid insurance premium was collected. “Prepaid premium” is information on the prepaid premium collected on the latest day. “Prepaid insurance premium balance” is information on the balance obtained by subtracting the insurance premium from the prepaid insurance premium.

The parameter information database 330 shown in FIG. 6 (a) is a database for storing parameter information used for calculating insurance premiums, and includes "ride date", "speed", "mileage",. , "Alcohol concentration". The “ride date” is information regarding the date on which the policyholder boarded the insurance-targeted car. “Speed” is information on the speed of the vehicle.

The "travel distance" is information relating to the travel distance of the vehicle from when the engine is started by the ignition key to when the engine is stopped. “Alcohol concentration” is information on the alcohol concentration contained in the air in the vehicle. These "speed", "running distance",... "Alcohol concentration" are parameters that are detected from time to time by a group of sensors described later during driving of the automobile, and are parameters used for calculating an insurance premium as a risk factor.

The premium criterion information database 340 shown in FIG. 6 (b) is a database for storing, for each parameter, information on a criterion for premium premiums, and includes a “parameter”, a “surcharge standard”, and a “surcharge amount”. Field. The “parameter” has the same meaning as “speed”, “travel distance”,... Shown in FIG. 6A, and is used for calculating a premium for insurance premiums.

The “surcharge standard” is information relating to a criterion as to what value the parameter takes when the premium is increased. For example, "speed" as a parameter
In the case of, if the legal speed is exceeded, the surcharge will be added. The “surcharge” is information on the premium of the insurance premium when the parameter (or the value obtained from the parameter) deviates from the “surcharge standard”. For example, when “speed” deviates from the premium criterion, the premium is P1.

The insurance information database 35 shown in FIG.
Numeral 0 is a database that stores information on insurance premiums for each policyholder ID, and includes an index of “policyer ID”, and fields of “ride date” and “insurance”. “Contractor ID” is the “Contractor I” shown in FIG.
D ". The “ride date” is synonymous with the “ride date” shown in FIG. “Insurance premium” is information on the insurance premium per driving, and is a sum of the basic insurance premium and the above-mentioned surcharge.

The risk information database 36 shown in FIG.
Numeral 0 is a database for storing, for each policyholder ID, risk information relating to premium premiums and accident occurrence factors, and an index “policyer ID”, “ride date”, “risk factor”, “surcharge premium”. It has fields of “amount” and “advice”. “Ride date” is shown in FIG.
This is synonymous with the "ride date" shown in (a).

The "risk factor" is information relating to a factor related to an increase in insurance premium during driving of a car, in other words, a risk burden on an insurance company. In the example shown in the figure, the “risk factor” is five times /
It is shown that the number of times of rapid acceleration is 7 times / month with respect to the month. The "advice"
This is information on advice for removing the risk factors, that is, for ensuring safe driving and reducing traffic accidents.

The accident history / statistics information database 370 shown in FIG. 9 includes an accident history information database 370A and a statistics information database 370B.
The accident history information database 370A is a database that stores accident history information for each contractor.
An index “D”, “accident date”, “accident situation”, “accident cause”, and “response” are provided.

The “accident date” is information on the date on which a traffic accident occurred. “Accident situation” is information on the situation of the traffic accident. "Cause of the accident"
Is information on the cause of the traffic accident. “Response” is information on the response to the traffic accident.

[0093] The statistical information database 370B is a database for storing statistical information on the occurrence of accidents.
Fields such as "cause of accident", "accident rate", ... are provided. The “cause of accident” is one of the above-mentioned risk factors (see FIG. 8) that is actually caused by the accident. The “accident rate” is information on the ratio of those that have actually caused an accident among the risk factors.

Returning to FIG. 1, user access control unit 250
Executes a new contract process, an insurance premium / risk information inquiry process, and a continuation contract process, which will be described later, in response to an access request from a user (in this case, a contractor). Settlement unit 260
Has a function to settle the prepaid insurance premium and settle the insurance premium online.

The premium calculating unit 270 has a function of calculating the premium based on the above-described parameters and the premium. The risk information generation unit 280 has a function of generating risk information of the risk information database 360 shown in FIG. The statistical processing unit 290 includes an accident history information database 370A and a statistical information database 370B.
It manages accident history information and creates statistical information, etc.

The mobile communication network 150 is a network used for mobile communication such as a portable telephone and a personal handy phone system, and connects between the communication interface unit 210 and the radio base station 160. The wireless base station 160 has a function of transmitting and receiving radio waves for mobile communication by a zone method, and performs communication with a transmitting / receiving device mounted on the automobile 400. The automobile 400 is a vehicle to be insured, and is equipped with a device for collecting the above-described parameters and the like. The details of the automobile 400 will be described later.

The satellite 600 is a GPS (Global Positioni).
ng System) is a satellite used in positioning systems, and transmits positioning radio waves. Payment server 700
Is connected to the server 200 via the dedicated line network 170, and has a function of performing online payment related to prepaid insurance premiums and insurance premiums.

Next, the configuration of the automobile 400 shown in FIG. 1 will be described in detail with reference to FIG. In this figure,
The ignition key 410 is for starting / stopping the engine. The ignition control unit 420 controls the start / stop of the engine based on an instruction to start / stop the engine by the ignition key 410. The sensor group 430 is a sensor group for detecting the parameters such as the speed and acceleration described above, and includes a speed sensor 431 to a daily inspection sensor 445.

The speed sensor 431 is a sensor for detecting the speed of the automobile 400, and is built in, for example, a speed meter. The speed sensor 431 outputs a detection result as speed information. In the first embodiment, a gravitational acceleration sensor (not shown) may be provided to detect the speed at the time of entering the curve, or the average speed during a certain period may be used as the sensor output.

[0100] The acceleration calculation section 432 includes a speed sensor 431.
Is differentiated to calculate the acceleration of the automobile 400, and outputs the calculation result as acceleration information. In the first embodiment, a gravitational acceleration sensor is provided to
The acceleration for a certain period of time may be calculated starting from the time when 0 starts moving from the stationary state. The mileage meter 433 measures the mileage of the automobile 400, and outputs the measurement result as mileage information. In the first embodiment, the travel distance may be calculated based on the sensor output of the speed sensor 431 and the output of a tachometer (not shown).

The brake sensor 434 is provided in the brake portion and detects the presence or absence of a brake, and outputs a detection result as brake information. The seat belt attachment / detachment sensor 435 is provided in the seat belt socket, detects the attachment / detachment state of the seat belt, and outputs a detection result as seat belt attachment / detachment information. The travel time sensor 436 is a sensor that detects the travel time (operating time) of the automobile 400, and outputs a detection result as travel time information. Specifically, the travel time sensor 436 measures the time during which the engine is running.

The occupant number sensor 437 is a sensor for detecting the number of occupants of the automobile 400, and outputs a detection result as occupant number information. This passenger number sensor 437
It comprises a plurality of pressure sensors embedded in the seat, and detects the presence or absence of the occupant according to the pressure when the occupant sits on the seat. In the first embodiment, the number of occupants may be obtained based on the seat belt attachment / detachment information, or a pressure-sensitive sensor may be provided on the seat, and the number of occupants may be obtained from the sensor output of the pressure-sensitive sensor. .

The inter-vehicle distance sensor 438 is provided in the front bumper or the rear bumper, detects the inter-vehicle distance between the automobile 400 and other automobiles traveling back and forth by an infrared method or the like, and outputs the detection result as inter-vehicle distance information. Output as In the first embodiment, the inter-vehicle distance may be detected by an ultrasonic method instead of the infrared method.

The illuminance sensor 439 is a sensor for detecting illuminance outside the automobile 400, and outputs a detection result as illuminance information. This illuminance information is used for day / night determination. The road surface condition sensor 440 is the vehicle 40
It is a sensor that detects the state of the traveling road surface of 0 (unevenness, wet road surface, frozen road surface), and outputs the detection result as road surface condition information. Specifically, the road surface condition is detected from vibration, a friction coefficient derived from the relationship between the number of rotations of the wheels and the traveling distance, and the like.

The oxygen concentration sensor 441 is a sensor for detecting the oxygen concentration in the automobile 400, and outputs the detection result as oxygen concentration information. Carbon dioxide concentration sensor 44
Reference numeral 2 denotes a sensor that detects the concentration of carbon dioxide in the vehicle 400, and outputs a detection result as carbon dioxide concentration information. The carbon monoxide concentration sensor 443 is
The sensor detects the concentration of carbon monoxide in the vehicle, and outputs the detection result as carbon monoxide concentration information.

The alcohol concentration sensor 444 is a sensor for detecting the alcohol concentration in the air near the driver, and outputs the detection result as alcohol concentration information. The daily inspection sensor 445 is a sensor that detects the result of daily inspection items (insufficient battery fluid, insufficient cleaning fluid, insufficient tire pressure, excessive wear of brake pads) of the automobile 400, and outputs the detection result as daily inspection information.

The vehicle-mounted device 450 has an ignition control function, a function of collecting parameters, a function of communicating with the server 200 via the mobile communication network 150 shown in FIG. 1, and the like. The control unit 451 controls each unit, and details of the operation of the control unit 451 will be described later.

The parameter collecting section 452 has a function of collecting the above-mentioned parameters. The liquid crystal display 453 has a function of notifying a passenger of various types of information via images and text. Speaker 454
Has a function of notifying a passenger of various types of information via voice.

The storage unit 455 stores parameters, the above-mentioned contractor ID and password, and the like. Transceiver 4
56 has a function of communicating with the outside via the antenna group 550. Traffic information receiving section 470 receives, via antenna group 550, traffic information wirelessly transmitted from a traffic information center (not shown). This traffic information is collected by the parameter collection unit 452 as one of the parameters.

The weather information receiving section 480 transmits the weather information wirelessly transmitted from the weather information center (not shown) to the antenna group 5.
50 to receive. This weather information is collected by the parameter collection unit 452 as one of the parameters. The car navigation system 490 includes an antenna group 550
Via the satellite 600 (see FIG. 1),
Based on this radio wave, the position of the automobile 400 is measured, and the result is output as positioning information.

The car navigation system 490 displays a map and a current position on a display based on positioning information and map information set in advance. Note that the positioning information and the map information are collected by the parameter collection unit 452 as parameters. The bus cable 500 is
Connect each part.

Next, the operation of the first embodiment will be described with reference to the flowcharts of FIGS. 10 to 16 and the screens (Web pages) shown in FIGS. 17 to 21. In the following, the contractor-side client 1 shown in FIG.
00 ₁ subscribers corresponding to the driving a car 400, to calculate the insurance premium associated with this operation, will be described in detail a series of operations until the settlement.

In step SA1 shown in FIG. 10, user access control section 250 of server 200 determines whether or not there is access from a user (contractor). In this case, the result of the determination is “No”. . In step SA3,
The insurance premium calculation unit 270 determines whether or not the parameter and the policyholder ID from the automobile 400 have been received via the wireless base station 160 and the mobile communication network 150. In this case, the determination result is “No”. I do.

At step SA6, the statistical processing section 290
Determines whether or not information on the occurrence of an accident has been received from the administrator-side client 140. In this case, the result of the determination is "N
o ". Thereafter, in the server 200, the determinations in step SA1, step SA3, and step SA6 are repeated.

Here, when a contract for automobile insurance is concluded between the insurance company and the policyholder, the insurance company executes the process shown in FIG.
Is stored in the IC card 120 shown in FIG. Further, the insurance company accesses the server 200 using the manager-side client 140 and registers the contractor information (excluding the password) in the contractor information database 300 shown in FIG.

Next, the insurance company issues an IC card 12
0. A complete set of properties including other documents related to the contract is mailed to the contractor. Also, the contractor ID of the IC card 120
Will be mailed in writing separately from the above set of properties. At this point, the contractor cannot drive the automobile 400 because the ignition of the automobile 400 is locked.

When the contractor receives a document in which the complete set and the contractor ID are described, the contractor inserts the IC card 120 into a new contract procedure, that is, a procedure for driving the automobile 400 as an insurance car. Insert the card into the card slot 111 of the IC card reader / writer 110,
The client 200 _{1 of the} contractor accesses the server 200. At this time, the control unit 114
12 to read the contractor ID recorded on the IC card 120.

As a result, the user access control unit 250
Sets the determination result of step SA1 to "Yes". At step SA2, the user access control section 250 performs a user access process. Specifically, in step SB1 shown in FIG.
Is the contractor I from the contractor side client 100 ₁
D is received. In step SB2, user access control section 250, the subscriber-side client 100 ₁ displays (not shown), the user authentication screen 1 shown in FIG. 17
000 is displayed.

The user authentication screen 1000 is a screen for authenticating that the contractor is the principal, and the contractor I
It has a D input field 1001 and a send button 1002. In this case, after entering the contractor ID in the contractor ID input field 1001, the contractor presses the send button 1002. Thereby, in step SB3, step SB1
In accordance with whether or not the contractor ID (recorded on the IC card 120) received by the user coincides with the contractor ID input by the contractor, authentication of the contractor is performed. . If they match, the contractor is authenticated as the principal.

In step SB4, user access control section 250 determines whether or not the authentication result in step SB3 is OK. If the result of this determination is “No”, in step SB2, user authentication screen 1000 is again displayed. Is displayed and re-authentication is performed. If the decision in step SB4 is assumed to be "Yes", in step SB5, the user access control section 250, the subscriber-side client 100 ₁ displays (not shown), the top menu screen shown in FIG. 18 1100 is displayed.

The top menu screen 1100 is a screen for allowing the contractor to select any one of “new contract”, “insurance premium / risk information inquiry” and “continuation contract”, and includes check boxes 1101 to 1103. And an execute button 1104. In step SB6, the user access control unit 250 determines whether or not “new contract” has been selected. In this case, the result of the determination is “N”.
o ".

In step SB8, the user access control section 250 determines whether or not “insurance premium / risk information inquiry” has been selected, and in this case, the determination result is “No”. In step SB10, the user access control unit 25
0 determines whether or not “continuation contract” is selected, and in this case, the determination result is “No”. Thereafter, the user access control unit 250 proceeds to step SB6, step SB8,
The determination in step SB10 is repeated.

Here, when the contractor checks the “new contract” check box 1101 and then presses the execute button 1104, the user access control unit 25
0 sets the determination result of step SB6 to “Yes”.
In step SB7, the user access control unit 250
Execute new contract processing.

More specifically, step SC shown in FIG.
In 1, the user access control unit 250 calculates a prepaid premium to be collected from the contractor. Specifically, the user access control unit 250 obtains the “birth date” of the contractor from the contractor information database 300 using the contractor ID as a key, and then obtains the age from the “birth date”. Next, the user access control unit 250 sets the prepaid insurance premium table 310 shown in FIG.
To obtain the “prepaid premium” corresponding to the age group including the age of the policyholder.

In step SC2, the user access control unit 250 stores the latest prepaid date, prepaid insurance premium, and prepaid insurance balance (in this case, prepaid premium) in the record of the contractor ID in the prepaid premium information database 320 shown in FIG. (Equivalent to insurance premium). In step SC3, the settlement unit 2
60 accesses the settlement server 700 via the leased line network 170 and makes an online settlement of the prepaid insurance premium.

[0126] Examples of the online settlement method include credit card settlement and account settlement withdrawing from a financial institution account. In the case of credit card settlement, an interface is required for the contractor to input a card number.

At step SC4, user access control section 250 issues a password for permitting activation of the ignition of automobile 400. In step SC5, the user access control unit 250 stores the issued password in the “password” cell corresponding to the contractor in the contractor information database 300, using the contractor ID as a key.

At step SC 6, user access control section 250 transmits approval information to contractor-side client 100 ₁ via Internet 130. Thereby, the control unit 114 controls the card writer 113 to
The approval information is written in the IC card 120.

Here, in step SG1 shown in FIG. 16, control unit 451 of in-vehicle device 450 shown in FIG. 2 determines whether or not the contractor ID and password are stored in storage unit 455. In this case, the determination result is “No”. In step SG2, the control unit 451 prohibits the ignition control unit 420 from starting the engine using the ignition key. Here, the ignition key 410
Is operated, in step SG3, the control unit 451
Notifies an alarm from the speaker 454 or the like. In addition,
As this alarm, a room light may be blinked.

At step SG 4, control unit 451 determines whether or not a contractor ID and a password have been received from server 200, and in this case, the determination result is “No”. Thereafter, until the contractor ID and the password are received, that is, until the new contract procedure is completed, since the automobile 400 is an uninsured car, the state in which the engine start by the ignition key 410 is prohibited is set to a state. Is done.

Returning to FIG. 12, in step SC7, user access control section 250
The contractor ID and the password are transmitted to the automobile 400 via the wireless base station 160 and the wireless base station 160. This contractor I
D and the password correspond to the antenna group 550 shown in FIG.
Is received by the transmission / reception unit 456 via the
Passed to 1.

As a result, the control section 451 makes the determination result of step SG4 shown in FIG. 16 "Yes". In step SG5, the control unit 451 stores the contractor ID and the password in the storage unit 455. Step SG6
Then, the control unit 451 issues an instruction for permitting the engine to be started by the ignition key 410 to the ignition control unit 42.
Set to 0. As a result, the automobile 400 is set as an insurance car and is in a state where it can run. In step SG7, the ignition control unit 420 determines whether or not an engine start command has been issued by the ignition key 410. In this case, the determination result is “No”.

[0133] In step SC8 illustrated in FIG. 12, the user access control section 250, the subscriber-side client 100 ₁ displays (not shown), and displays the new contract procedure completion screen 1200 shown in FIG. 19. Thus, the contractor recognizes that the new contract procedure has been completed.

Here, the ignition key 4 is set by the contractor.
When 10 is operated, the ignition control unit 420 sets the determination result of step SG7 to “Yes”. In step SG8, the engine is started. In step SG9, the parameter collection unit 452 controls the sensor group 430, the traffic information reception unit 470, the weather information reception unit 480, and the car navigation system 49 under the control of the control unit 451.
Collection of each parameter from 0 is performed every moment.

At step SG10, the parameter collection unit 452 sequentially stores the collected parameters in the storage unit 455 under the control of the control unit 451. Step SG11
Then, the control unit 451 determines whether or not the ignition key 410 has been turned off. In this case, the determination result is “No”. Thereafter, while the engine is running on the automobile 400 (during running), the collection and storage of the parameters are sequentially performed.

[0136] When the driving of the automobile 400 is completed,
The contractor turns off the ignition key 410 and stops the engine. Thereby, the control unit 451 performs step S
The determination result of G11 is “Yes”. Step SG1
In 2, the control unit 451 passes the parameters and the contractor ID stored in the storage unit 455 to the transmission / reception unit 456.
Thereby, transmitting / receiving section 456 transmits each parameter and contractor ID to server 200 via antenna group 550, wireless base station 160 and mobile communication network 150 shown in FIG.

Then, when the server 200 shown in FIG. 1 receives the above parameters and the contractor ID, the insurance premium calculation unit 270 sets the determination result of step SA3 shown in FIG. 10 to “Yes”. In step SA4, the insurance premium calculation unit 270 executes an insurance premium calculation / settlement process. Specifically, in step SE1 shown in FIG. 14, the insurance premium calculation unit 270 stores the parameters received in association with the contractor ID in the parameter information database 330 shown in FIG.

In step SE2, the insurance premium calculation unit 270
Obtains the policyholder information from the policyholder information database 300 shown in FIG. 3 using the policyholder ID as a key, and calculates a basic insurance premium by applying a predetermined calculation method to the policyholder information. Thereafter, Step SE3 to Step SE24
Until then, the processing of sequentially comparing the parameters stored in the parameter information database 330 and the corresponding premium reference (surcharge reference information database 340: see FIG. 6B) to calculate the premium is executed. .

That is, in step SE3, the insurance premium calculation unit 270 determines whether or not the parameter “speed” deviates from “speed reference (exceeds legal speed)” as a premium reference. If the result of this determination is "Yes", in step SE4, a surcharge P1 is calculated from the surcharge reference information database 340.

In the first embodiment, legal speed information is derived from the positioning information and the map information of the automobile 400, and if the speed is within a predetermined range below the legal speed in a certain section, the insurance premium may be discounted. Good. If the speed exceeds the maximum legal speed or falls below the minimum legal speed, the premium may be increased.

At step SE5, the insurance premium calculation unit 270
Determines whether the parameter “traveling distance” deviates from the “traveling distance reference (exceeds 200 km)” as an additional reference. If this determination result is “Yes”, the insurance premium calculation unit 270 calculates the premium P2 from the premium criterion information database 340 in step SE6.

At step SE7, the insurance premium calculation unit 270
Determines whether the parameter "brake" deviates from the "brake standard" as a premium criterion. If this determination result is “Yes”, the insurance premium calculation unit 270 calculates the premium P3 from the premium criterion information database 340 in step SE8. As the “brake reference”, if the number of times of braking exceeds a predetermined number of times, a surcharge is made.

At step SE9, the insurance premium calculation unit 270
Determines whether the parameter “travel time” deviates from the “travel time reference” as an extra criterion. If this determination result is “Yes”, the insurance premium calculation unit 270 calculates the premium P4 from the premium criterion information database 340 in step SE10. As the “running time reference”, if the running time exceeds a predetermined time, an extra charge is made.

In step SE11, the insurance premium calculation unit 27
A value of 0 determines whether or not the parameter “number of passengers” deviates from the “criterion of number of passengers” as a premium criterion. If this determination result is “Yes”, in step SE12, the insurance premium calculation unit 270 causes the premium criterion information database 340 to
Then, a surcharge P5 is calculated. If the number of passengers exceeds the maximum number of passengers set at the time of contract,
Extra charge. In addition, a surcharge may be made on a pay-as-you-go basis according to the number of passengers.

In step SE13, the insurance premium calculation unit 27
A value of 0 determines whether the parameter “acceleration” deviates from the “acceleration reference” as an additional reference. If this determination result is “Yes”, the insurance premium calculation unit 270 calculates the premium P6 from the premium criterion information database 340 in step SE14. This "acceleration reference"
If the number of accelerations per month is exceeded, a surcharge will be made.

In step SE15, the insurance premium calculation unit 27
0 determines whether or not the parameter “light lighting” deviates from the “light lighting standard” as an additional reference.
If this determination result is “Yes”, the insurance premium calculation unit 270 calculates the premium P7 from the premium reference information database 340 in step SE16. This "light standard"
If the light is not turned on when it is determined that it is nighttime based on the illuminance information, an extra charge is applied.

In step SE17, the insurance premium calculation unit 27
0 determines whether the parameter “road condition” deviates from the “road condition standard” as an additional standard. If this determination result is “Yes”, in step SE18, the insurance premium calculation unit 270 determines that the premium criterion information database 340
Then, a surcharge P8 is calculated. As the "road surface condition reference", if the road surface condition is bad, an extra charge is made.

At step SE19, the insurance premium calculation unit 27
A value of 0 determines whether or not the parameter “vehicle distance” deviates from the “vehicle distance standard” as an extra criterion. If this determination result is “Yes”, in step SE20, the insurance premium calculation unit 270 determines that the premium reference information database 340
Then, a surcharge P9 is calculated. As the "inter-vehicle distance reference", if the inter-vehicle distance is equal to or less than a predetermined value, an extra charge is applied.

In step SE21, the insurance premium calculation section 27
0 determines whether or not the parameter “daily inspection” deviates from the “daily inspection standard” as an additional standard. If this determination result is “Yes”, in step SE22, the insurance premium calculation unit 270 determines that the premium reference information database 340
Then, a surcharge P10 is calculated. As this “daily inspection standard”, if the inspection items of the battery and the tire pressure are NG, an extra is added.

In step SE23, the insurance premium calculation unit 27
A value of 0 determines whether the parameter “alcohol concentration” deviates from the “alcohol concentration standard” as a premium criterion. If the result of this determination is “Yes”, step SE
In 24, the premium calculation unit 270 calculates the premium P11 from the premium criterion information database 340. As the “alcohol concentration reference”, if the alcohol concentration exceeds a predetermined alcohol concentration, a surcharge will be made.

At step SE25, the insurance premium calculation unit 27
0 calculates the sum of the above-mentioned surcharges. Step SE
In 26, the insurance premium calculation unit 270 adds the total premium and the basic insurance premium to calculate an insurance premium for one run of the automobile 400. In step SE27, the premium calculation unit 270 stores the premium information in the premium information database 350 in association with the policyholder ID.

In step SE28, the insurance premium calculation unit 27
0 is the payment server 7 via the dedicated line network 170
00, and pays the insurance premium online from the prepaid insurance premium collected from the contractor. The premium calculation unit 270 reflects the prepaid premium balance after settlement in the prepaid premium information database 320.

When the above-described insurance premium calculation / settlement processing is completed, the risk information generation section 280 executes the risk information generation processing in step SA5 shown in FIG. That is, in step SF1 shown in FIG. 15, the risk information generation unit 280 acquires risk factor information from the risk information database 360 using the contractor ID as a key. The risk factor information referred to here is a parameter which is a target of extra charge.

In step SF2, the surcharge of the premium of the risk factor information (parameter) is checked. In step SF3, the risk information generation unit 280 creates a notification for notifying a method of reducing the insurance premium and encouraging safe driving. In step SF4, the risk information generation unit 280 calculates the boarding date, risk factor, premium premium,
The risk information including the advice is stored in the risk information database 360 shown in FIG.

Next, a description will be given of an insurance premium / risk information inquiry process in which a policyholder who has finished driving the automobile 400 inquires insurance premiums and risk information. After the check button 1102 (insurance / risk information inquiry) shown in FIG. 18 is checked through the above-described operation, when the execute button 1104 is pressed, the user access control unit 250
Indicates that the determination result of step SB8 shown in FIG.
s ”.

Thus, in step SB9, the user access control section 250 executes an insurance premium / risk information inquiry process. Specifically, step SD shown in FIG.
In FIG. 20, the user access control unit 250 displays the display (not shown) of the contractor-side client 100 ₁ on FIG.
Is displayed on the insurance premium / risk information inquiry screen 1300 shown in FIG. The insurance premium / risk information inquiry screen 1300 is a screen for inputting a boarding date of a car, which is a key of the inquiry, and includes a boarding date input field 1301 and an execution button 1302.
have.

Here, the boarding date input field 13 is entered by the contractor.
When the ride button 1302 is pressed after the ride date is input to 01, in step SD2, the user access control unit 250 uses the contractor ID and the ride date as keys to retrieve information on the contractor from the insurance premium information database 350. Get premium information.

In step SD3, user access control section 250 acquires risk information on the contractor from risk information database 360 using the contractor ID and the boarding date as keys. In step SD4, the user access control section 250 based on the acquired premium information and risk information, to display the premium / risk information display screen 1400 shown in FIG. 21 to contract side client 100 _1. Thereby, the contractor can recognize the insurance premium and the risk information (<risk factor>, <increase in insurance premium>, <advice>) almost in real time.

Specifically, according to the <risk factors>, it is possible to quantitatively inform the driver of a habit (risk driving behavior) that is highly likely to cause a traffic accident and is difficult for the contractor to notice. As a result, safe driving can be encouraged. According to <Increase in insurance premiums>, the policyholder is shown a correlation between <Risk factor> and <Premium premium> to reduce the risk of dangerous driving behavior. By consciously planting that will save money,
It is possible to motivate safe driving by saving insurance premiums. According to the <advice>, traffic safety can be aroused by an objective indication for correcting a habit (risk driving behavior) that is difficult for the contractor to notice.

Next, if the contractor who makes a continuation contract checks the check button 1103 (continuation contract) shown in FIG. 18 and then presses the execution button 1104, the user access control unit 250 returns to FIG. Step SB shown
The determination result of No. 10 is “Yes”. Step SB11
In the user access control section 250, together reflect the information about continuation contract subscriber information database 300, and transmits the information continuously contract agreement side client 100 _1. As a result, the IC card 120
The above information is written via the C card reader / writer 110.

If an accident has occurred, the statistical processing section 290 sets the determination result of step SA6 to "Yes". In step SA7, the statistical processing unit 290 updates the accident history information database 370A and the statistical information database 370B based on the accident information.

In the first embodiment, the functions of the user access control unit 250, the premium calculation unit 270, and the risk information generation unit 280 in the server 200 described above are shown in FIG.
The in-vehicle device 450 shown in FIG. In the first embodiment, to connect the IC card reader / writer 110 shown in FIG. 1 the in-vehicle device 450, may have a function of subscriber-side client 100 ₁ to the vehicle-mounted device 450.

In this case, when the IC card 120 is inserted into the IC card reader / writer 110 in the automobile 400 and a password is entered by the contractor, the in-vehicle device 450 performs personal authentication, and the result of the authentication is OK. In this case, the engine activation by the ignition key 410 may be permitted. On the other hand, when the personal authentication is NG, the activation of the engine by the ignition key 410 is prohibited.

In the first embodiment, the IC card 12
Although an example using 0 has been described, any device that can read / write information may be used.
For example, instead of the IC card 120, a mobile phone terminal, an electronic key, a driver's license with a magnetic tape, or the like may be used.

Further, in the first embodiment, an example in which the contractor ID is used as the contractor authentication has been described. However, as an authentication method, a fingerprint identification device may be introduced to perform fingerprint authentication.

Also, in one embodiment, when “authentication result = NG” is repeated a plurality of times in step SB4 shown in FIG. 11, that is, when a third party impersonates the contractor, the new contract processing is illegally performed. If so, the contractor may be notified that a third party has committed wrongdoing. As this notification method, the user access control unit 25
From 0, a method of automatically informing the contractor's mobile phone or a method of directly informing the contractor from the insurance company staff by telephone, facsimile, mail or the like.

In the first embodiment, when the alcohol concentration detected by the alcohol concentration sensor 444 exceeds a specified value, control is performed to prohibit starting of the engine by the ignition key 410 in order to avoid danger of drunk driving. You may do so.

[0168] In the first embodiment, the premium may be increased by using parameters such as signal ignoring, one-way traffic violation, excess load capacity, driving in living area, driving day of the week, and driving lane violation as parameters. Good. Announcements may also be made regarding these parameters in a second embodiment described later.

[0169] In the first embodiment, an example in which the insurance premium is settled by online payment has been described. However, a prepaid card device may be provided in the automobile 400 to settle the insurance premium from the prepaid card.

Further, in the first embodiment, the example of the prepaid settlement in which the premium is deducted from the prepaid insurance premium collected from the policyholder has been described, but a comprehensive scheduled contract is concluded between the policyholder and the insurance company. Without collecting prepaid insurance premiums,
The insurance premium may be settled after payment.

In this case, the settlement unit 260
Every time the operation is completed, the premium calculated by the premium calculating unit 270 is settled online by post-payment. As a result, the settlement server 700 executes post-payment settlement of the insurance premium from the financial institution account of the contractor or issues a settlement bill to the contractor. In addition, as the postpaid settlement, for example, the insurance premium for one month may be accumulated, and the accumulated insurance premium may be settled at the end of the month.

Further, in the first embodiment, an example has been described in which a mobile communication interface by mobile communication network 150 and radio base station 160 is used as a communication interface between automobile 400 and server 200. Without limitation, any wireless communication interface may be used. For example, the wireless communication interface includes an interface based on Bluetooth.
This Bluetooth uses a 2.45 GHz radio wave to transmit a personal computer, a PDA (Personal Digital Assy).
short-range wireless technology to provide a wireless communication interface between istants).

As described above, according to the first embodiment, the engine start is permitted in a state where the password for permitting the engine start information is installed in vehicle-mounted device 450. Since the insurance premium is determined, it is possible to avoid a traffic accident due to an uninsured vehicle, and to determine the insurance premium according to a risk factor that changes every moment while driving the automobile 400.

According to the first embodiment, the insurance premium is deducted from the prepaid insurance premium, so that the convenience of the contractor's payment can be improved.

Further, according to the first embodiment, the insurance premium is determined based on the premium criterion information database 340 set for each parameter, so that the insurance premium can be determined more finely for each risk parameter. And can improve service to contractors.

Further, according to the first embodiment, a comprehensive scheduled contract is concluded between the contractor and the insurance company, and the insurance premium is settled postpaid without collecting the prepaid insurance premium. It is possible to provide a fee collection service on the user's side.

Further, according to the first embodiment, the password, the insurance policy information, and the like are recorded on the portable IC card 120, so that the paper-based insurance policy becomes unnecessary, and the policy of managing the policyholder's insurance policy is eliminated. The burden can be reduced.

Further, according to the first embodiment, the unauthorized use of the IC card 120 is notified to the contractor himself / herself, so that the impersonation of the contractor himself / herself by a third party can be prevented. Reliability can be improved.

Further, according to the first embodiment, the insurance premium is notified to the contractor, so that the insurance premium can be recognized almost in real time, and the service to the contractor can be improved. it can.

(Embodiment 2) In Embodiment 1 described above, an announcement may be made to the driver of the automobile 400 to evoke safe driving. Hereinafter, this case will be described as a second embodiment.

FIG. 22 shows an automobile 4 according to the second embodiment.
FIG. 2 is a block diagram showing a configuration of a 00. In this figure,
Parts corresponding to those in FIG. 2 are denoted by the same reference numerals. In FIG. 22, an announcement device 800 is newly provided. The announcement device 800 is a device that issues an announcement regarding safe driving, an announcement based on the above-described announcement information, an announcement for avoiding a dangerous state, and the like to the driver via voice and images.

More specifically, when the parameter “speed” is equal to or higher than a predetermined value, the announcement device 800 makes an announcement regarding deceleration, fuel-efficient running speed, generation of extra premium, and the like. In addition, based on the parameter “seat belt attachment / detachment”, when the seat belt is not worn, the announcement device 800 announces to the driver to wear the seat belt.

Also, based on the parameter “acceleration”,
When acceleration exceeding a predetermined level occurs, the announcement device 80
0 announces the occurrence of time, place, and premium. When the inter-vehicle distance becomes equal to or less than a predetermined value based on the parameter “inter-vehicle distance”, the announcement device 800
Announces that the distance between vehicles will be lengthened. Also, before traveling, the announcement device 800 announces the weather based on the weather information from the weather information receiving unit 480. Further, the announcement device 800 announces the fact before the automobile 400 passes through the accident-prone location based on the map information, the positioning information, and the accident history information from the server 200.

In the second embodiment, if the number of occupants detected by occupant number sensor 437 shown in FIG. The device 800 may be configured to announce that among the seats where the occupant is sitting, there is a seat for which the seat belt is not worn, and that the seat belt of the sea road should be worn.

As described above, according to the second embodiment, safe driving information and advice information on safe driving are notified to the contractor based on the risk factor parameters, thereby contributing to preventing traffic accidents. can do.

Embodiments 1 and 2 according to the present invention
Has been described in detail with reference to the drawings, but the specific configuration example is not limited to the first and second embodiments, and even if there is a design change or the like within a range not departing from the gist of the present invention, Included in the invention.

For example, in Embodiments 1 and 2 described above, the insurance premium determination program for realizing the functions of server 200 and automobile 400 described above is recorded on computer-readable recording medium 5000 shown in FIG. Then, a series of processes related to insurance premium determination and announcement may be executed by reading and executing the insurance premium determination program recorded on the recording medium 5000 in the computer 4000 shown in FIG.

The computer 4000 shown in FIG.
CPU 4100 that executes the insurance premium determination program
And an input device 4200 such as a keyboard and a mouse, and a ROM (Read Only Memory) 4300 for storing various data.
And RAM (Random Acces
s Memory) 4400, a reading device 4500 that reads an insurance premium determination program from the recording medium 5000, an output device 4600 such as a display or a printer, and a bus BU that connects each unit.

The CPU 4100 reads the insurance premium determination program recorded on the recording medium 5000 via the reading device 4500, and then executes the insurance premium determination program to execute a series of the above-described insurance premium determination and announcement. Execute the process. Note that the recording medium 5000 includes not only a portable recording medium such as an optical disk, a floppy (registered trademark) disk, and a hard disk, but also a transmission medium such as a network for temporarily recording and holding data. It is.

Further, in the first and second embodiments described above, the example using the extra reference information database 340 shown in FIG. 1 has been described. However, the extra reference information database 340 shown in FIG. The reference information database 6000 may be used to calculate an extra premium.

The premium criterion information database 6000, like the premium criterion information database 340 (see FIG. 6B), has fields of “parameter”, “surcharge criterion” and “surcharge”, and Is used to calculate the surcharge. However, the premium criterion information database 6000 differs from the premium criterion information database 340 in that the premium criterion has a plurality of levels for each parameter.

That is, the extra reference information database 60
In 00, in the case of “speed” as “parameter”,
The "surcharge standard" is set in three stages, such as a 10% increase, a 20% increase, and a 30% increase in the legal speed.
12 (> P11) and P13 (> P12).

Similarly, in the case of “travel distance” as the “parameter”, the “surcharge standard” exceeds 150 km, 2
It is set in three stages, such as exceeding 00 km and exceeding 250 km, and three stages of surcharges P21, P22 (> P21) and P2 corresponding to the respective "surcharge standard".
3 (> P22) is set. In addition, in the extra reference information database 6000, “extra reference” is set in a plurality of stages for parameters other than the above “speed” and “running distance”.

In the case where the above-mentioned extra criterion information database 6000 is used, in step SE3 shown in FIG. 14, the insurance premium calculating unit 270 determines that the parameter “speed” is one of three levels of “speed criterion” as the extra criterion. Determine if this is the case. In this case, when the parameter “speed” corresponds to “the legal speed increases by 10%”, the insurance premium calculation unit 270 sets the determination result of step SE3 to “Yes”. In step SE4, a surcharge P11 is calculated from the surcharge reference information database 6000. Hereinafter, in steps SE5 to SE23, the above-described step S
The same judgment and processing as in E3 and step SE4 are performed.

As described above, the extra reference information database 6
In the case where 000 is used, since the premium is set in multiple stages for each parameter, the premium is calculated more finely according to the driving situation, so that the calculation accuracy of the insurance premium according to the risk factor is improved. be able to.

[0196]

As described above, claims 1 and 11,
According to the invention of the twenty-first aspect, the start of the engine is permitted in a state where the start permission information is installed in the engine control unit, and the insurance premium per one run is determined based on the risk factor parameter. In addition, it is possible to avoid a traffic accident due to the above, and to determine an insurance premium according to a risk factor that changes every moment while driving a car.

Further, according to the second, twelfth and twelfth aspects of the present invention, the insurance premium is deducted from the prepaid insurance premium, so that it is possible to improve the convenience of the contractor's payment. .

According to the third, thirteenth, and twenty-third aspects of the present invention, the insurance premium is settled by post-payment, so that it is possible to provide a fee collection service from the contractor's side. .

Further, according to the invention according to claims 4, 14 and 24, the insurance premium is determined based on the criterion set for each risk factor parameter. It is possible to determine the insurance premium, and it is possible to improve the service to the contractor.

According to the fifth, fifteenth, and twenty-fifth aspects of the present invention, the starting permission information and the insurance policy information are recorded on a portable recording medium. This has the effect of reducing the burden of management of the insurance policy on the user.

Further, according to the invention according to claims 6, 16 and 26, the unauthorized use of the recording medium is notified to the contractor himself / herself, so that the impersonation of the contractor himself / herself by a third party can be prevented. It is possible to improve the reliability of the insurance.

Further, according to the inventions according to claims 7, 17 and 27, the insurance premium is notified to the contractor, so that the insurance premium can be recognized almost in real time, The effect that a service can be improved is produced.

Further, according to the present invention, safe driving information relating to safe driving is generated based on the risk factor parameter, and the safe driving information is notified to the contractor. This contributes to the prevention of traffic accidents.

According to the ninth, nineteenth, and twenty-ninth aspects of the present invention, advice information on safe driving is generated based on risk factor parameters, and the advice information is notified to a contractor. This has the effect of contributing to the prevention of accidents.

Further, according to the inventions according to the tenth, twentieth and thirtieth aspects, the correlation between the risk factor parameter and the premium premium is reported to the contractor, so that the risk By consciously implanting that the insurance premium can be saved by reducing the factor, it is possible to motivate safe driving by saving the insurance premium.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a first exemplary embodiment according to the present invention.

FIG. 2 is a block diagram showing a configuration of the automobile 400 shown in FIG.

FIG. 3 is a diagram showing an example of a contractor information database 300 shown in FIG.

FIG. 4 is a diagram showing an example of a prepaid premium table 310 shown in FIG. 1;

FIG. 5 is a prepaid premium information database 32 shown in FIG. 1;
It is a figure showing an example of 0.

FIG. 6 is a parameter information database 33 shown in FIG. 1;
FIG. 9 is a diagram illustrating an example of a 0 and an additional reference information database 340.

FIG. 7 is a diagram showing an example of an insurance fee information database 350 shown in FIG.

FIG. 8 is a diagram showing an example of a risk information database 360 shown in FIG.

FIG. 9 is a diagram showing an example of the accident history / statistics information database 370 shown in FIG.

FIG. 10 is a flowchart illustrating an operation of server 200 shown in FIG. 1;

FIG. 11 is a flowchart illustrating a user access process shown in FIG. 10;

FIG. 12 is a flowchart illustrating a new contract process shown in FIG.

FIG. 13 is a flowchart illustrating an insurance premium / risk information inquiry process shown in FIG. 11;

FIG. 14 is a flowchart illustrating the insurance premium calculation / payment processing shown in FIG.

FIG. 15 is a flowchart illustrating a risk information generation process illustrated in FIG. 10;

FIG. 16 is a flowchart illustrating an operation of the vehicle-mounted device 450 shown in FIG. 2;

FIG. 17 is a user authentication screen 10 according to the first embodiment.
It is a figure showing an example of 00.

FIG. 18 is a diagram showing an example of a top menu screen 1100 according to the first embodiment.

FIG. 19 is a diagram showing an example of a new contract procedure completion screen 1200 according to the first embodiment.

FIG. 20 is a diagram showing an example of an insurance premium / risk information inquiry screen 1300 according to the first embodiment.

FIG. 21 is a diagram showing an example of an insurance premium / risk information display screen 1400 according to the first embodiment.

FIG. 22 is a diagram showing a configuration of an automobile 400 according to a second embodiment of the present invention.

FIG. 23 is a block diagram showing a modification of the first and second embodiments according to the present invention.

FIG. 24 is a diagram showing an example of an additional reference information database 6000 in a modification of the first and second embodiments according to the present invention.

[Explanation of symbols]

100 _{1 to} 100 _n Contractor-side client 110 IC card reader / writer 200 Server 250 User access control unit 260 Settlement unit 270 Premium calculation unit 280 Risk information generation unit 290 Statistical processing unit 400 Automobile 420 Ignition control unit 430 Sensor group 450 In-vehicle 451 Control unit 452 Parameter collection unit 800 Announcement device

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Akira Hayashida 2-9-5 Kita-Aoyama, Minato-ku, Tokyo Nissan Fire Disaster Marine Insurance Co., Ltd. (72) Inventor Masaki 3-50 Chofugaoka, Chofu-shi, Tokyo No. 1 Nissan Fire & Marine Insurance Co., Ltd. Chofu Center Building (72) Inventor Nozomi Tokujuku 2-9-5 Kitaaoyama, Minato-ku, Tokyo Nissan Fire Disaster Marine Insurance Co., Ltd. (72) Inventor Yuko Kawasaki Minato-ku, Tokyo 2-9-5 Kitaaoyama Nissan Fire Disaster Marine Insurance Co., Ltd. (72) Inventor Takashi Mochizuki 2-9-5 Kitaaoyama, Minato-ku, Tokyo Nissan Fire Disaster Marine Insurance Co., Ltd. Nissan Fire Disaster Insurance Co., Ltd.

Claims (30)

[Claims] 1. A start permission information generating means for generating start permission information for permitting start of an engine of the vehicle at the time of an insurance contract, and installing the start permission information in an engine control unit of the vehicle after the insurance contract. Means, risk factor parameter collecting means for collecting risk factor parameters according to the driving condition of the vehicle, and insurance premium determining means for determining an insurance premium per run based on the risk factor parameters. An insurance premium determining device, characterized in that: 2. The insurance premium deciding apparatus according to claim 1, further comprising a settlement means for deducting the insurance premium from a prepaid insurance premium collected from a contractor. 3. The insurance premium deciding apparatus according to claim 1, further comprising a settlement means for performing settlement of said insurance premium by post-payment. 4. The insurance premium according to claim 1, wherein the insurance premium determining means determines the premium based on a determination criterion set for each risk factor parameter. Premium determining device. 5. The insurance premium deciding device according to claim 1, further comprising a portable recording medium for recording at least said starting permission information and said insurance policy information. 6. An authentication means for authenticating a contractor based on a result of reading the start permission information and insurance policy information of the recording medium and information inputted by a holder of the recording medium, and the authentication means. And a fraudulent notifying means for notifying the contractor that the recording medium has been illegally used when it is determined that the holder is not the contractor. The insurance premium determination device according to any one of claims 1 to 5. 7. The insurance premium determining apparatus according to claim 1, further comprising insurance premium notification means for notifying a contractor of an insurance premium. 8. Based on the risk factor parameter,
8. The insurance premium determining device according to claim 1, further comprising safe driving information notifying means for generating safe driving information relating to safe driving and notifying the contractor of the safe driving information. . 9. Based on the risk factor parameter,
2. An advice information notifying means for generating advice information on safe driving and notifying a contractor who has boarded the vehicle of the advice information.
8. The insurance premium determination device according to any one of 8. 10. A premium premium notification means for reporting a correlation between the risk factor parameter and a premium premium to a policyholder who has boarded the vehicle. The insurance premium determination device according to any one of the above. 11. A start permission information generating step of generating start permission information for permitting an engine start of the vehicle at the time of insurance contract, and installing the start permission information in an engine control unit of the vehicle after the insurance contract. A risk factor parameter collecting step of collecting risk factor parameters according to the driving condition of the vehicle; and an insurance premium determining step of determining an insurance premium per run based on the risk factor parameters. A method for determining insurance premiums. 12. The insurance premium deciding method according to claim 11, further comprising a settlement step of deducting the insurance premium from a prepaid insurance premium collected from a contractor. 13. The insurance premium deciding method according to claim 11, further comprising a settlement step of paying the insurance premium by postpayment. 14. The insurance premium determining step according to claim 11, wherein the insurance premium is determined based on a determination criterion set for each risk factor parameter. How to determine insurance premiums. 15. The insurance fee determining method according to claim 11, wherein a portable recording medium for recording at least the starting permission information and the insurance policy information is used. 16. An authentication step of performing contractor identity authentication based on a result of reading the start permission information and insurance policy information of the recording medium and information input by a holder of the recording medium, and the authentication step. If the holder is deemed not to be the contractor by the
The insurance fee determining method according to any one of claims 11 to 15, further comprising an unauthorized notification step of notifying that the recording medium has been illegally used. 17. An insurance fee notifying step of notifying a contractor of an insurance fee.
The insurance premium determination method according to any one of the above. 18. A safe driving information notifying step of generating safe driving information on safe driving based on the risk factor parameter and notifying the safe driving information to a contractor. The insurance premium determination method according to any one of the above. 19. The method according to claim 1, further comprising the step of generating advice information relating to safe driving based on the risk factor parameter, and notifying the contracted passenger of the vehicle of the advice information.
The insurance premium determination method according to any one of 1 to 18. 20. The method according to claim 11, further comprising an insurance premium notification step of notifying a correlation between the risk factor parameter and the insurance premium to a contractor who has boarded the vehicle. The insurance fee determination method described in one of the above. 21. A start permission information generating step of generating start permission information for permitting an engine start of the vehicle at the time of an insurance contract, and installing the start permission information in an engine control unit of the vehicle after the insurance contract. A risk factor parameter collecting step of collecting risk factor parameters according to the driving condition of the vehicle; and an insurance premium determining step of determining an insurance premium per run based on the risk factor parameters. Premium determination program to be executed. 22. The insurance premium determination program according to claim 21, further comprising a settlement step of deducting the insurance premium from a prepaid insurance premium collected from a contractor. 23. The insurance premium determining program according to claim 21, further comprising a settlement step of settingtle the insurance premium by post-payment. 24. The insurance premium according to claim 21, wherein the insurance premium is determined based on a determination criterion set for each risk factor parameter. Premium determination program. 25. The insurance premium determination program according to claim 21, wherein a portable recording medium for recording at least the starting permission information and the insurance policy information is used. 26. An authentication step of performing contractor identity authentication based on a result of reading the start permission information and insurance policy information of the recording medium and information input by a holder of the recording medium, and the authentication step If the holder is deemed not to be the contractor by the
26. The non-transitory computer-readable storage medium according to claim 21, further comprising a fraudulent notification step of reporting that the recording medium has been illegally used. 27. An insurance notice notifying step of notifying a contractor of an insurance premium.
Premium determination program according to any one of the above. 28. A safety driving information notification step of generating safe driving information on safe driving based on the risk factor parameter and notifying the contractor of the safe driving information. Premium determination program according to any one of the above. 29. An advice information notifying step of generating advice information on safe driving based on the risk factor parameter and notifying a contractor who has boarded the vehicle of the advice information.
The insurance fee determination program according to any one of 1 to 28. 30. The method according to claim 21, further comprising the step of notifying a policyholder who has boarded the vehicle of the correlation between the risk factor parameter and the premium premium. The premium determination program described in one of the above.