JP2003099594A - Driving evaluation method and driving evaluation system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a driving evaluation method and a driving evaluation system that automatically evaluate the driving style of a customer, notify the customer and business partners of the evaluation result, and provides them with customer's score. SOLUTION: A driving evaluator provides a customer with means for asking the customer to record driving data and for sending the data back to the driving evaluator to automatically obtain the driving data for each customer. The evaluator analyzes the driving data to evaluate the driving and provides business partners with the result. The evaluator further calculates the score of the customer based on the evaluation result to allow a contracted agency to provide additional services according to the score so that the customer can benefit from this system.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a driving assessment method and a driving assessment system, and in particular, it has the ability to pass driving data to a driving assessor, and the driving assessment ability by analyzing the driving data, and further driving by customer. The present invention relates to a driving assessment method and a driving assessment system having a capability of providing assessment information.

[0002]

2. Description of the Related Art Generally, for the purpose of early resolution of the liability problem of an accident, by monitoring the running condition of a vehicle and recording the running condition at the time of occurrence of an accident.
Drive recorders have been known for some time.

However, a vehicle equipped with a drive recorder is more expensive than a vehicle not equipped with the drive recorder, and it is difficult to have a vehicle sales promotion ability to compensate for the increased price only by the advantage of early resolution of accident liability problems. is there.

Further, paying attention to the ability to quickly resolve accident liability problems, the insurance company reduces the cost required for accident analysis and lowers the amount of insurance premium paid by customers, thereby increasing the number of insurance participants. , A business model aimed at promoting sales of vehicles equipped with a drive recorder is known.

Further, by assessing the driving style of the customer based on the driving operation data recorded by the driving recorder and setting the insurance premium according to the driving style, the number of insurance subscribers is increased and the driving recorder is installed. Business models aimed at sales promotion of vehicles are also known (for example, US Pat. No. 5797134, US Pat. No. 6064970).
issue).

[0006]

However, all of these conventional techniques have been proposed for the purpose of using the driving operation data of the customer for setting the insurance premium,
For customers, the only advantage of reduced insurance payments is that they are inferior, such as purchasing a drive recorder or paying a communication fee to send driving data to an insurance company. There was a problem that it did not increase.

Further, all the conventional techniques have been proposed for the purpose of using the driving operation data of the customer for setting the insurance premium, and there is a problem that the spread of the business cannot be expected other than this service. It was

The present invention has been made to solve these problems, and a driving assessment method and a driving assessment system capable of assessing a customer's driving style, notifying the assessment result and providing points. The purpose is to provide.

[0009]

A driving assessment method according to the present invention comprises a travel data acquisition step of acquiring travel data of a customer from a vehicle-side recording device mounted on a customer vehicle and recording travel data of the vehicle; Assessment information providing step of generating driving assessment information of the customer by performing at least one of analysis and processing on the traveling data of the customer and providing the driving assessment information to the partner, and the travel of the customer. A customer information providing step of performing at least one of analysis and processing on the data, performing a driving assessment, and providing the customer with information about the customer.

The travel data acquisition step includes a step of recording the travel data of the vehicle and a step of transmitting the recorded travel data from inside the vehicle.

Further, the traveling data acquisition step provides the customer with a step of recording the traveling data of the vehicle, a step of extracting the recorded traveling data from the vehicle, and a screen for transmitting the retrieved traveling data. And a step of performing.

Further, the assessment information providing step includes a step of generating driving assessment information of the customer based on the traveling data of the customer or performing at least one of analysis and processing on the traveling data; Providing the partner with a screen for viewing the assessment information.

In the customer information providing step, a step of performing a driving assessment by performing at least one of analysis and processing on the running data of the customer, and a step of calculating points for each customer according to the driving assessment. A step of providing the customer with a screen for inputting the customer identification information of the customer, and a step of providing the customer with a screen for viewing the result of the driving assessment based on the customer identification information and the customer identification information. Based on at least one of the steps of providing the customer with a screen for browsing the cumulative points.

The customer information providing step includes a step of performing at least one of analysis and processing on the customer's travel data to perform a driving assessment, and a step of calculating points for each customer according to the driving assessment. A step of providing the customer with a screen for inputting the customer identification information of the customer, a step of providing the customer with a screen for viewing the driving assessment result based on the customer identification information, and the customer identification information And a step of providing the customer with a screen for browsing the cumulative total of the points, and a step of providing the customer with a screen for browsing the additional service information corresponding to the cumulative total of the points.

Further, the driving assessment system according to the present invention obtains the driving data of the customer from the vehicle side recording device for recording the driving data of the customer vehicle, and based on the driving data, the driving assessment information of the customer is collaborated with the customer. A driving assessment system provided to at least one of the vendors, a transmitting / receiving means for transmitting / receiving information between the customer side device and the partner side terminal,
A storage means for storing electronic customer data including information on a driving assessment calculated based on the driving data for each customer, and a processing means for performing a driving assessment processing for each customer by using the transmission / reception means and the storage means. The processing means includes a travel data acquisition means for acquiring travel data of the customer vehicle, an assessment information providing means for providing a driving assessment information of the customer to a partner based on the travel data, and a travel data source. In addition, it has a customer information providing means for providing the customer with the driving assessment information.

The traveling data acquisition means causes the transmission / reception means to receive the traveling data of the vehicle owned by the customer from the customer side device, and the information regarding the accident and the driving operation recorded in the traveling data. A driving assessment is performed by using at least one of information about vehicle behavior and information about vehicle surroundings, and electronic information related to the driving assessment is stored in the storage means.

Further, when the transmitting / receiving means receives the customer identification information from the partner side terminal, the assessment information providing means electronically relates to the driving assessment from the storage means based on the customer identification information. This information is read out, and the electronic information related to the read out driving assessment is transmitted to the partner terminal by the transmitting / receiving means.

Further, the customer information providing means, when the transmitting / receiving means receives the customer identification information from the customer side device, causes the transmitting / receiving means to receive the traveling data of the vehicle from the customer side device, and the traveling data. Using at least one of the information on accidents, information on driving operations, information on vehicle behaviors, and information on vehicle surroundings recorded in the above, a driving assessment is performed, and points are calculated for each customer according to the results of the driving assessment. When the electronic information related to the driving assessment and the accumulated points is stored in the storage means and the transmission / reception means receives the customer identification information,
Based on the customer identification information, the electronic information related to the driving assessment and the accumulated points is read from the storage means, and the electronic information related to the read driving assessment and the accumulated points is read by the transmitting and receiving means. It is to be transmitted to the customer side terminal.

[0019]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below.
It will be described with reference to the drawings. Embodiment 1. FIG. 1 is a block diagram showing an example of an apparatus used for customer identification in Embodiment 1 of the present invention. In FIG. 1, 101 is a driver's license carried by a customer, for example, an IC card in which personal identification information is recorded. Reference numeral 102 denotes an IC card reader for reading information recorded by the driver's license IC card 101. For example, the card key system is mounted on a dashboard of a vehicle and is used for preventing the driver from carrying his / her license when driving. The device is considered. In addition, the IC card reader 10
2 may be a general-purpose connection form that is connected to a customer terminal, POS, or the like and is used for electronic payment.

FIG. 2 is a block diagram showing an example of an apparatus for recording the traveling data of the vehicle in the first embodiment of the present invention. In the figure, 103 is an engine control device, and the control data includes data on the accelerator opening. 104
Is a shift control device, and the control data includes gear ratio data. Reference numeral 105 denotes a stability control device, and the control data includes vehicle speed data, brake operation data, and front-rear / left-right acceleration data of the vehicle. 10
Reference numeral 6 denotes a steering control device, and control data includes steering wheel operation data.

Reference numeral 107 denotes a lamp control device. The control data includes ON / OFF of a light and ON / OFF of a turn signal.
There is data of OFF and ON / OFF of the brake lamp. Reference numeral 108 denotes a seat control device, and the control data includes data on the number of passengers and whether or not the seat belt is worn. Reference numeral 109 is an airbag control device, and the control data includes data on the presence or absence of a collision and the scale of the collision.

Reference numeral 110 denotes a navigation device, and the processing data includes data relating to the traveling position of the vehicle and map information at the present location. Reference numeral 111 denotes a car telephone, which handles telephone functions. 112 is a traveling data recording device,
Travel data is collected and recorded from the control devices 103 to 109 mounted on the vehicle via the network bus 113.
For example, drive recorders that store traffic data by detecting traffic accidents and near misses, and digital tachographs that electronically record vehicle operation are known.

FIG. 3 is a block diagram showing an example of an insurance fee renewal service by electronic driving assessment in the first embodiment of the present invention. In the figure, reference numeral 114 denotes an in-vehicle computer or a CPU, which is an apparatus for transmitting the traveling data 115 recorded by the traveling data recording apparatus 112 to the server 117 of the driver assessor using a wireless or wired communication line. At this time, the customer identification information may be read from the driver's license IC card 101 by the IC card reader 102, and this information may be transmitted together.

Reference numeral 116 is a customer-side terminal, which is used by the customer to view his or her own assessment results. The customer terminal 116 may be a desktop computer at the customer's home or a mobile computer carried by the customer. Also, when browsing, the IC card reader 102 is used by the IC card reader 102 to transmit the customer identification information.
The customer identification information may be read from 01 and this information may be transmitted together.

Reference numeral 117 denotes an assessment center side server as a processing means and a transmission / reception means, which acquires traveling data transmitted from a customer's vehicle, automatically analyzes and assesses the traveling data, and responds to the assessment result and the assessment result. The accumulated points and the like are recorded in the customer database 118 as a storage means. When the customer identification information is received, the customer information is made available to the terminal side. As will be described later, the assessment center-side server 117 as a processing means,
Driving data acquisition means for acquiring driving data of customer vehicles, assessment information providing means for providing customer's driving assessment information to partner companies based on driving data, and provision of customer's driving assessment information for customers based on driving data It has a means for providing information for customers to do.

Reference numeral 119 denotes an insurance company side server, which is a system for acquiring a driving assessment result of a customer and automatically setting an insurance fee according to the driving assessment result. The customer identification information necessary for obtaining the driving assessment result of the customer from the assessment center side server 117 is obtained from the customer when the customer joins the insurance and registered in the customer database 120. The insurance company uses the customer identification information registered in the customer database 120 in the step of acquiring the driving assessment information for each customer from the assessment center server 117 at an arbitrary timing.

Reference numeral 121 denotes a settlement system on the side of the additional service provider (contract store) that reduces the selling price of the product according to the accumulated points for each customer.
int Of Sales System) etc. can be used. At the time of payment, by inserting the driver's license IC card 101 presented by the customer into the IC card reader 102, the customer identification information can be acquired and the accumulated points of the customer can be acquired.
122 is a wide area network, and the use of the Internet can be considered.

Next, the operation will be described with reference to FIGS. 4 and 5. First, a case where the driver assessor acquires the travel data of the vehicle from the customer side will be described with reference to the flowchart (travel data acquisition means) of FIG. In step S101, the vehicle-mounted computer 114 mounted in the vehicle of the customer (driver in this case) periodically (for example, about once a month) accesses the server 117 on the assessment center side. At this time, the vehicle-mounted computer 114 may read the customer identification information from the driver's license IC card 101 by the IC card reader 102 and transmit this information together to cause the assessment center side server 117 to perform the customer identification process.

In step S 102, the vehicle-mounted computer 114 transmits its own travel data 115 to the assessment center side server 117. At this time, the driver may be notified of a message urging the transmission of the travel data 115 or a message inquiring whether or not the data can be transmitted.

In step S103, the assessment center side server 117 analyzes the received traveling data 115 by a unique analysis routine, and obtains an extremely fair assessment result, for example, position information and map information included in the control data of the navigation device 110. Further, the vehicle speed information included in the control data of the stability control device 105 is analyzed in combination, and a plurality of types of assessment calculations are performed based on a judgment criterion such as whether or not the vehicle has passed without exceeding the speed limit of a certain section.
Calculate the assessment result.

In step S104, the points obtained are calculated by comparing the assessment results with an arbitrary criterion. In step S105, the customer database 118 is searched based on the customer identification information, and the customer data is read.

In step S106, step S1
The assessment result and the acquired points calculated in 04 are added to the information of the customer data read in step S105 and are again recorded in the customer database 118.

From the above, the server 117 of the assessment center
Can obtain driving data 115 for each customer, perform a driving assessment for each customer, and record it in the customer database 118 together with point information according to the assessment.

When the customer's travel data 115 is transmitted to the server 117 of the assessment center, the customer extracts the travel data 115 using a recording medium (for example, the driver's license IC card 101) and assesses it by the customer terminal 116. The travel data 115 extracted may be transmitted to the server 117 of the center.

Next, a case where the user acquires the customer-specific information registered in the server of the driving assessor will be described with reference to the flowchart (assessment information providing means) of FIG. The user can use the server 11 of the assessment center at any time.
You can receive customer data from 7. The user here is the customer himself, the insurance company, or the additional service provider.

In step S111, the user starts access to the assessment center server 117 via the terminal 116, the server 119, or the POS 121. In step S112, the user sends the customer identification information to the assessment center. At this time, the user may directly key in the customer identification information, or the driver's license IC card 1
01 may be inserted into the IC card reader 102 and the read customer identification information may be transmitted, or the customer database 1
The registered customer identification information may be read from 20 or the like and transmitted.

In step S113, if the customer identification information is authenticated, the process proceeds to step S114, and if it is not authenticated, the process returns to step S112. Step S11
At 4, the customer's data is provided from the server 117 of the assessment center.

An example of a driving assessment service using the above steps will be shown. The customer's driving status (driving data) is
It is recorded by the device shown in FIG. 2 and is transmitted to the server 117 of the assessment center according to steps S101 and S102 periodically, for example, every month.

The server 117 of the assessment center assesses the travel data for each customer received in accordance with steps S103 to S106 and records it in the customer database 118 together with the acquired point information.

The server 119 on the insurance company side accesses the server 117 of the assessment center at an arbitrary timing to review the insurance premium for each customer, and steps S111 to S1.
According to 14, obtain the assessment information for each customer. The insurance company resets the insurance fee for each customer according to its own evaluation criteria so that the insurance fee will be reduced if the customer's driving is safe, and the insurance company determines the monthly payment amount of the customer .

The customer can obtain his / her own driving assessment information and acquisition point information from the server 117 of the assessment center through the customer-side terminal 116 according to steps S111 to S114 at any timing.

Also, the customer presents his or her own driver's license IC card 101 at the time of settlement at the contract store,
By reading the customer identification information with the IC card reader 102 attached to the POS 121 of the contract store and making the contract store acquire the acquired point information recorded in the server 117 of the assessment center, the discount according to the acquired points, Receive additional services such as provision of free gifts.

By carrying out the driving assessment service described above, when the customer pays the insurance premium, the customer can be convinced of the extremely legitimate price setting by his own driving assessment, and the advantage that the additional service can be received, This will increase the number of policyholders of insurance companies that handle this service.

Further, by performing the driving assessment service described above, the customer conducts his / her own driving assessment, and the insurance fee fluctuates, and the idea that the degree of additional services is also affected. Has the effect of striving for safe driving.

Further, by performing the driving assessment service shown above, the customer can use the contract store because he / she can receive the additional service by the points he / she has accumulated,
The contract store side has the effect of increasing the inflow of customers for the purpose of additional services.

Further, by performing the driving assessment service described above, the customer can receive an extremely legitimate price setting of the insurance premium according to the driving assessment by himself / herself, and the advantage that the additional service can be received. It is possible to make a decision to purchase a vehicle in which the drive recorder can be used, that is, a vehicle equipped with a drive recorder, and increase the number of vehicles sold with the drive recorder.

Here, the above insurance company is replaced by a vehicle dealer, and the dealer uses the customer's driving assessment information and acquired point information to make the oil change fee free,
Even if an additional service such as changing the trade-in price at the time of vehicle replacement is provided and a service form for sales promotion of the vehicle is handled, it can be achieved without departing from the gist and scope of the present invention. .

The server 117 of the above assessment center
May be owned by an independent company, or may be owned by an affiliated company such as an insurance company and a dealer.

As described above, in the present embodiment, the vehicle-side recording device for recording the traveling data of the vehicle records the traveling data and the recorded traveling data can be passed from the vehicle to the driving assessor. Information for each customer
The ability to provide to affiliated companies and the ability of the driving assessor to assess driving data for each customer, calculate points according to the assessment results, and provide the assessed and calculated customer-specific information to the customer Including, provide a means for the customer to record the driving data of the vehicle, send the recorded driving data to the customer side, analyze and / or process the customer's driving data to perform a driving assessment, and respond to the driving assessment. Points are calculated for each customer, and the driving assessment results are viewed by the customer based on the customer identification information of the customer, and the cumulative points are viewed by the customer based on the customer identification information. It is possible to allow the partner side to browse the driving data and / or the driving assessment information of the customer by processing the driving data.

Therefore, when the present invention is used by, for example, an insurance company, the customer can receive an appropriate insurance premium setting according to his own driving assessment. In addition, the customer selects an insurance company that provides this service, which is beneficial to the insurance company. The customer also strives for safe driving from the idea that his or her own driving will be assessed. Further, since the customer uses the contract store that provides the additional service based on the acquired points, it is beneficial for the contract store. Furthermore, the customer purchases a vehicle that can receive the service, which is beneficial to the dealer who sells the vehicle.

[0051]

As described above, according to the present invention, the travel data acquisition step of acquiring the travel data of the customer from the vehicle side recording device mounted on the customer vehicle and recording the travel data of the vehicle, and the above-mentioned customer Assessment information providing step of generating driving assessment information of a customer by performing at least one of analysis and processing on the traveling data or the traveling data and providing the driving assessment information to a partner.
Since the driving data of the customer is analyzed and / or processed, at least one of which is provided, and a driving information is provided to the customer to provide information about the customer, the driving data for each customer is automatically provided. By analyzing the acquired driving data, it is possible to assess driving and provide it to the partner company, and the customer side can receive the appropriate insurance premium setting according to its own driving assessment. Has the effect of purchasing a vehicle that can receive the service, which is beneficial to the dealer who sells the vehicle.

Since the traveling data acquisition step includes a step of recording the traveling data of the vehicle and a step of transmitting the recorded traveling data from the inside of the vehicle,
This has the effect of contributing to the fact that the customer can receive an appropriate insurance premium setting according to his own driving assessment.

The travel data acquisition step provides the customer with a step of recording the travel data of the vehicle, a step of extracting the recorded travel data from the vehicle, and a screen for transmitting the extracted travel data. Since the customer has the option of setting an appropriate insurance premium according to his / her own driving assessment, and the customer selects the insurance company that provides this service, the benefit of that insurance company The effect is that

The assessment information providing step includes the step of generating customer assessment information based on the customer's travel data or performing at least one of analysis and processing on the travel data; This includes the step of providing the partner with a screen for viewing the assessment information, so that the customer purchases a vehicle that can receive the service, which is beneficial to the dealer who sells the vehicle. .

In the customer information providing step, the operation data is analyzed and / or processed to make an operation assessment, and points are calculated for each customer according to the operation assessment. A step of providing the customer with a screen for inputting the customer identification information of the customer, and a step of providing the customer with a screen for viewing the result of the driving assessment based on the customer identification information and the customer identification information. Based on the idea that the customer's own driving will be assessed, the customer will try to drive safely because the screen for browsing the accumulated points based on at least one of the steps is provided. Since the contract store that provides the additional service is used, it is beneficial for the contract store and the customer receives the service. Since buying a vehicle that is, there is an effect that the beneficial dealer selling the vehicle.

In the customer information providing step, the operation data is analyzed and / or processed for at least one of the customers to make a driving assessment, and the points are calculated for each customer according to the driving assessment. A step of providing the customer with a screen for inputting the customer identification information of the customer, a step of providing the customer with a screen for viewing the driving assessment result based on the customer identification information, and the customer identification information Since it includes the step of providing the customer with a screen for browsing the cumulative total of the points based on the above, and the step of providing the customer with a screen for browsing the additional service information corresponding to the cumulative total of the points, the customer: Strive to drive safely from the idea that your own driving will be assessed, and use contracted stores that provide additional services by earning points. Because, be beneficial for the contract store, further, the customer, because to buy a vehicle that can receive the service, there is an effect that be beneficial to the dealer to sell the vehicle.

Further, according to the present invention, the traveling data of the customer is acquired from the vehicle side recording device for recording the traveling data of the customer vehicle, and based on the traveling data, the driving assessment information of the customer is obtained from at least the customer and the partner. A driving assessment system provided to one side, a transmission / reception means for transmitting / receiving information between a customer-side device and a partner-side terminal, and an electronic customer including information regarding driving assessment calculated based on driving data for each customer The vehicle includes storage means for storing data and processing means for performing driving assessment processing for each customer using the transmission / reception means and the storage means, and the processing means acquires travel data acquisition means for acquiring travel data of the customer vehicle. And an assessment information providing means for providing the driving assessment information of the customer to the partner company based on the above-mentioned driving data, and providing the driving assessment information of the customer to the customer based on the above-mentioned driving data Since it has a means for providing customer-specific information, it can automatically acquire driving data for each customer, assess the driving by analyzing the acquired driving data, and provide it to the partner company. There is an effect that an appropriate insurance premium can be set according to the above, and the customer purchases a vehicle that can receive the service, which is beneficial to the dealer who sells the vehicle.

Further, the traveling data acquisition means causes the transmission / reception means to receive the traveling data of the vehicle owned by the customer from the customer side device, and the information on the accident and the driving operation recorded in the traveling data. Since the driving assessment is performed by using at least one of the information on the vehicle behavior and the information on the vehicle surroundings, and the electronic information related to the driving assessment is stored in the storage means, the customer himself / herself It is possible to receive an appropriate insurance premium setting according to the driver's assessment, and since the customer selects an insurance company that provides this service, there is an effect that the insurance company is beneficial.

Further, when the transmitting / receiving means receives the customer identification information from the partner side terminal, the assessment information providing means electronically relates to the driving assessment from the storage means based on the customer identification information. Information is read out, and the electronic information related to the read-out driving assessment is transmitted to the partner terminal by the transmitting / receiving means, so that the customer purchases a vehicle that can receive the service, and the vehicle concerned. There is an effect that it is beneficial to the dealer who sells.

The customer information providing means, when the transmitting / receiving means receives the customer identification information from the customer side device, causes the transmitting / receiving means to receive the traveling data of the vehicle from the customer side device, and the traveling data. Using at least one of the information on accidents, information on driving operations, information on vehicle behaviors, and information on vehicle surroundings recorded in the above, a driving assessment is performed, and points are calculated for each customer according to the results of the driving assessment. When the electronic information related to the driving assessment and the accumulated points is stored in the storage means and the transmission / reception means receives the customer identification information,
Based on the customer identification information, the electronic information related to the driving assessment and the accumulated points is read from the storage means, and the electronic information related to the read driving assessment and the accumulated points is read by the transmitting and receiving means. Since it is sent to the customer's terminal, the customer strives for safe driving from the idea that his or her own driving will be assessed, and since the customer uses a contract store that performs additional services by earning points, it is beneficial for the contract store, Further, since the customer purchases a vehicle that can receive the service, there is an effect that it is beneficial to the dealer who sells the vehicle.

Since the transmission / reception means, the storage means and the processing means are owned by the driving assessor,
This has the effect of contributing to the fact that the customer can receive an appropriate insurance premium setting according to his own driving assessment.

Further, since the transmission / reception means, the storage means and the processing means are owned by the tie-up company, the customer side has the effect of being able to receive an appropriate insurance premium setting according to his / her own driving assessment. is there.

[Brief description of drawings]

FIG. 1 is a configuration diagram showing an example of an apparatus used for customer identification in a first embodiment of the present invention.

FIG. 2 is a configuration diagram showing an example of an apparatus for recording travel data of a vehicle in the first embodiment of the present invention.

[Fig. 3] Fig. 3 is a configuration diagram showing an example of an insurance fee update service by electronic driving assessment according to the first embodiment of the present invention.

FIG. 4 is a flowchart in which the driving assessor acquires vehicle traveling data from the customer side according to the first embodiment of the present invention.

FIG. 5 is a flowchart in which the user according to the first embodiment of the present invention acquires customer-specific information registered in the server of the driving assessor.

[Explanation of symbols]

101 driver's license IC card, 102 IC card reader, 103 engine control device, 104 gear shift control device, 105 stability control device, 106 steering control device, 107 lamp control device, 108 seat control device, 109 airbag control device, 110 navigation Device, 111 Car phone, 112 Running data recording device, 113 Network bus, 114
In-vehicle computer (CPU), 115 running data, 1
16 customer (ie driver) side terminal, 117 assessment center server, 118, 120 customer database, 119
Insurance company side server, 121 Contract store side POS, 12
2 Wide area network.

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Takashi Maeda             2-3 2-3 Marunouchi, Chiyoda-ku, Tokyo             Inside Ryo Electric Co., Ltd. (72) Inventor Koji Fujioka             2-3 2-3 Marunouchi, Chiyoda-ku, Tokyo             Inside Ryo Electric Co., Ltd. (72) Inventor Toshihide Satake             2-3 2-3 Marunouchi, Chiyoda-ku, Tokyo             Inside Ryo Electric Co., Ltd. (72) Inventor Johji             2-3 2-3 Marunouchi, Chiyoda-ku, Tokyo             Inside Ryo Electric Co., Ltd. (72) Inventor Tadashi Yoshimoto             2-3 2-3 Marunouchi, Chiyoda-ku, Tokyo             Inside Ryo Electric Co., Ltd.

Claims (12)

[Claims] 1. A travel data acquisition step of acquiring travel data of a customer from a vehicle-side recording device mounted on a customer vehicle for recording travel data of the vehicle, and analyzing from or on the travel data of the customer. And at least one of the processing, to generate the driving assessment information of the customer and provide the driving assessment information to the tie-up company, and at least one of analyzing and processing the running data of the customer, And a customer information providing step of providing a customer with information on the customer by performing a driving assessment. 2. The driving assessment according to claim 1, wherein the driving data acquisition step includes a step of recording driving data of the vehicle and a step of transmitting the recorded driving data from inside the vehicle. Method. 3. The traveling data acquisition step provides a customer with a step of recording traveling data of the vehicle, a step of extracting the recorded traveling data from the vehicle, and a screen for transmitting the retrieved traveling data. The driving assessment method according to claim 1, further comprising: 4. The assessment information providing step includes the step of generating customer assessment information based on the customer's driving data or by performing at least one of analysis and processing on the driving data, and the customer's driving. The step of providing a screen for browsing the assessment information to a partner company, The driving assessment method according to any one of claims 1 to 3. 5. The customer information providing step includes a step of performing an operation assessment by performing at least one of analysis and processing on the travel data of the customer, and a step of calculating points for each customer according to the operation assessment. A step of providing the customer with a screen for inputting the customer identification information of the customer, and a step of providing the customer with a screen for viewing the result of the driving assessment based on the customer identification information and the customer identification information. 5. The driving assessment method according to claim 1, further comprising at least one of a step of providing a screen for browsing the cumulative total of the points to the customer. 6. The customer information providing step comprises a step of performing at least one of analysis and processing on the travel data of the customer to perform a driving assessment, and a step of calculating points for each customer according to the driving assessment. A step of providing the customer with a screen for inputting the customer identification information of the customer, and a step of providing the customer with a screen for viewing the driving assessment result based on the customer identification information,
The step of providing the customer with a screen for viewing the cumulative total of the points based on the customer identification information, and the step of providing the customer with a screen for viewing the additional service information corresponding to the cumulative total of the points. The driving assessment method according to any one of claims 1 to 5, wherein: 7. A driving assessment for obtaining driving data of a customer from a vehicle-side recording device for recording driving data of a customer vehicle and providing the driving assessment information of the customer to at least one of the customer and a partner based on the driving data. A system, a transmission / reception means for transmitting / receiving information between a customer-side device and a partner terminal, and a storage means for storing electronic customer data including information on driving assessment calculated based on customer-specific travel data And a processing unit that performs a driving assessment process for each customer using the transmission / reception unit and the storage unit.
Driving data acquisition means for acquiring the driving data of the customer vehicle, assessment information providing means for providing the driving assessment information of the customer to the partner based on the driving data, and driving assessment information of the customer based on the driving data. A driving assessment system characterized by having means for providing information for customers to provide to customers. 8. The travel data acquisition means causes the transmission / reception means to receive travel data of a vehicle owned by the customer from the customer side device, and information on an accident and information on driving operation recorded in the travel data. At least one of information on vehicle behavior and information on vehicle surroundings
8. The driving assessment system according to claim 7, wherein the driving means is used to perform a driving assessment, and electronic information related to the driving assessment is stored in the storage means. 9. The assessment information providing means, when the transmission / reception means receives customer identification information from the partner terminal, electronically relates to the driving assessment from the storage means based on the customer identification information. 9. The driving assessment system according to claim 7, wherein the information is read out, and the read-out electronic information related to the driving assessment is transmitted to the partner side terminal by the transmitting / receiving means. 10. The customer information providing means, when the transmitting / receiving means receives the customer identification information from the customer side device, causes the transmitting / receiving means to receive vehicle travel data from the customer side device, and the travel data. Using at least one of the information on accidents, information on driving operations, information on vehicle behaviors, and information on vehicle surroundings recorded in the above, a driving assessment is performed, and points are calculated for each customer according to the results of the driving assessment. When the electronic information related to the driving assessment and the accumulated points is stored in the storage means and the transmission / reception means receives the customer identification information,
Based on the customer identification information, the electronic information related to the driving assessment and the accumulated points is read from the storage means, and the electronic information related to the read driving assessment and the accumulated points is read by the transmitting and receiving means. The driving assessment system according to any one of claims 7 to 9, wherein the driving assessment system is transmitted to a customer side terminal. 11. The driving assessment system according to claim 7, wherein the transmission / reception means, the storage means and the processing means are owned by a driving assessment person. 12. The driving assessment system according to claim 7, wherein the transmission / reception means, the storage means and the processing means are owned by a partner company.