JP2004295421A

JP2004295421A - Vehicle insurance rate calculation system, method and program

Info

Publication number: JP2004295421A
Application number: JP2003086214A
Authority: JP
Inventors: Shingo Takebayashi; 真吾竹林
Original assignee: NTT Comware Corp
Current assignee: NTT Comware Corp
Priority date: 2003-03-26
Filing date: 2003-03-26
Publication date: 2004-10-21

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance rate calculation system that accurately calculates insurance rates of insurance allowing an individual driver to drive an arbitrary vehicle and allowing an arbitrary driver to drive a given vehicle, according to the driver's driving skill, driving experience and the like. <P>SOLUTION: When a driver drives a vehicle on which personal recording means 11 are mounted, basic vehicle information in vehicle-attached recording means 7 is transferred to and recorded on the personal recording means 11, and during travel, travel distance measuring means 1 measure the travel distance, travel state monitoring means 5 detect the travel state, and date/time collecting and measuring means 3 measure the driving time, which are all recorded on the personal recording means 11 via information collecting means 9. According to the basic personal information, basic vehicle information, travel state information, travel distance information and driving time information recorded on the personal recording means 11, the insurance rate of insurance allowing each individual driver to drive an arbitrary vehicle is calculated. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

【０００１】
【発明の属する技術分野】
本発明は、所定の運転者個人に対して複数の任意の車両の運転を可能とすべく所定の運転者個人に対して設定される保険の保険料および複数の任意の運転者に対して所定の車両の運転を可能とすべく所定の車両に対して設定される保険の保険料を算出する保険料算出システム、方法およびプログラムに関する。
【０００２】
【従来の技術】
従来の車両の保険業界では、被保険者が車両の運転を行うことはリスク・テイキングであるという考え方により走行距離の短い運転者が優遇されている。また、公安委員会は運転を行う頻度に関わらず、車両事故や交通違反のない運転者は優良運転者であると考えている。そして、このような優良運転者に対しては、次回までの免許更新の期間が長くなったり、車両の保険料が安くなるなどの措置が公安委員会や保険会社により取られ、運転経験や運転技能については考慮されていない。
【０００３】
また、ペーパードライバと日常的に運転するドライバが同じ無事故、無違反という結果を出したとしても、そこに至るまでのプロセスは全く異なるものであり、日常的に運転するドライバの方が事故に遭遇する危険や違反を犯してしまう可能性が高いが、従来の考え方ではペーパードライバと日常的に運転するが同じ無事故、無違反のドライバとを適確に区別せず、無事故や無違反のない運転者を優良運転者と考えて、このような優良運転者に対して免許更新の期間を長くしたり、車両の保険料を安くなるなどしているも、運転経験や運転技能についてはほとんど考慮されていない。
【０００４】
従って、運転者の運転経験や運転技能を考慮して、車両の保険料や優良運転者を決定することが望ましいものであり、従来、運転者の走行距離、運転頻度等の運転履歴に応じて例えばレンタカー会社などによるサービス内容を提供するシステムが提案されている（例えば、特許文献１参照）。
【０００５】
【特許文献１】
特開２００２−２８８２８６号公報
【０００６】
【発明が解決しようとする課題】
上述したように、従来は、例えばペーパードライバと日常的に運転するが同じ無事故、無違反のドライバとを適確に区別せず、ほとんど運転をしないペーパードライバでも無事故や無違反であれば優良運転者と考えて、このような優良運転者に対して免許更新の期間を長くしたり、車両の保険料を安くなるなどするも、運転経験や運転技能については考慮されていないという問題がある。
【０００７】
また、運転者の走行距離、運転頻度等の運転履歴に応じて例えばレンタカー会社などによるサービス内容を提供する上述した従来のシステムでは、単に走行距離や運転頻度などの運転履歴についてのみ考慮しているものであって、例えば車両の内容、走行状態、または運転技能や運転経験などを推定することが可能な各種情報についての考慮がなされてなく、不十分であるとともに、更にレンタカー会社などによるサービス内容についての記載がほとんどであって、車両の保険料についての記載、特に所定の１人の運転者個人に対して任意の複数台の車両の運転を可能とすべく当該運転者個人に対して設定される保険の保険料や複数の運転者に対して所定の１台の車両の運転を可能とすべく当該車両に対して設定される保険の保険料の算出処理などについての記載は全くなく、このような車両の保険料を運転者の運転技能や運転経験なども含んで適確に算出する方法が要望されている。
【０００８】
本発明は、上記に鑑みてなされたもので、その目的とするところは、任意の車両の運転を運転者個人毎に可能とし、任意の運転者に対して所定の車両の運転を可能とする保険の保険料を運転者の運転技能や運転経験などにより適確に算出する保険料算出システム、方法およびプログラムを提供することにある。
【０００９】
【課題を解決するための手段】
上記目的を達成するため、請求項１記載の本発明は、所定の運転者個人に対して任意の車両の運転を可能とすべく該運転者個人に対して設定される保険の保険料を算出する車両の保険料算出システムであって、運転者が所有し、運転者が車両を運転するに当たって、車両に装着されて使用され、運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を記録する個人所有記録媒体と、車両の車両基本情報を記録する車両付属記録媒体と、運転者が個人所有記録媒体を車両に装着して車両を運転するに当たって、前記車両付属記録媒体に記録されている車両基本情報を前記個人所有記録媒体に記録するように転送制御する車両情報記録制御手段と、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行距離を測定し、この測定した走行距離情報を前記個人所有記録媒体に記録すべく制御する走行距離測定手段と、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行状態を検出し、この検出した走行状態情報を前記個人所有記録媒体に記録するように制御する走行状態検出手段と、前記個人所有記録媒体に記録された個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報に基づき任意の車両の運転を運転者個人毎に可能とする保険の保険料を算出する保険料算出手段とを有することを要旨とする。
【００１０】
請求項１記載の本発明にあっては、運転者が個人所有記録媒体を車両に装着して運転するに当たっては、車両付属記録媒体の車両基本情報が個人所有記録媒体に転送記録され、車両が走行すると、車両の走行距離を測定して個人所有記録媒体に記録し、車両の走行状態を検出して個人所有記録媒体に記録し、この個人所有記録媒体に記録された個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報に基づき任意の車両の運転を運転者個人毎に可能とする保険の保険料を算出するため、運転者情報、車両情報、走行状態、走行距離などに基づく運転者の運転技能や経験、車両状態などに適合した最適な保険料を算出でき、例えばペーパードライバのようにほとんど運転経験がなく無事故、無違反の運転者と実際に毎日運転して長い運転経験を持ちながらも無事故、無違反である運転者とを運転技能や経験などの違いから適確に区別して最適な保険料を算出することができる。
【００１１】
また、請求項２記載の本発明は、請求項１記載の発明において、前記個人所有記録媒体が、前記走行距離情報として走行毎走行距離情報と累積合計走行距離情報を記録し、前記走行距離測定手段が、前記走行距離情報として、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行距離を走行毎走行距離として１回の継続走行毎に測定し、この測定した走行毎走行距離情報を前記個人所有記録媒体に記録するとともに当該走行毎走行距離情報で前記個人所有記録媒体に記録されている累積合計走行距離情報を更新すべく制御する手段を有し、前記走行状態検出手段が、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の走行時の降雪状態、降雨状態、昼夜を含む走行状態を検出する走行時環境状態検出手段、およびシートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を含む走行状態を検出する実走行状態検出手段を有し、前記個人基本情報が、運転者の生年月日、免許取得日、運転可能車種、事故歴・違反歴を含み、前記車両基本情報が、車両の車種情報、排気量情報、車輪駆動情報、年式情報を含むことを要旨とする。
【００１２】
請求項２記載の本発明にあっては、走行距離として１回の継続走行である走行毎走行距離を使用し、走行状態として走行時の降雪状態、降雨状態、昼夜、シートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を使用し、個人基本情報として生年月日、免許取得日、運転可能車種、事故歴・違反歴を使用し、車両基本情報として車両の車種情報、排気量情報、車輪駆動情報、年式情報を使用するため、これらの情報により運転者の運転技能や経験、車両状態などを適確に取得し、最適な保険料を算出することができる。
【００１３】
更に、請求項３記載の本発明は、請求項１または２記載の発明において、前記個人所有記録媒体が、運転時間情報または運転毎運転時間情報と累積合計運転時間情報を記録する運転時間情報記録手段を有し、本保険料算出システムが、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の運転時間を測定し、この測定した運転時間を個人所有記録媒体に記録すべく制御するかまたは運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の運転時間を運転毎運転時間として１回の継続運転時間毎に測定し、この測定した運転毎運転時間情報を前記個人所有記録媒体に記録するとともに、この測定した運転毎運転時間情報で前記個人所有記録媒体に記録されている累積合計運転時間情報を更新すべく制御する運転時間測定手段を有し、前記保険料算出手段が、運転時間情報または運転毎運転時間情報と前記累積合計運転時間情報も考慮して前記任意の車両の運転を運転者個人毎に可能とする保険の保険料を算出する運転時間考慮手段を有することを要旨とする。
【００１４】
請求項３記載の本発明にあっては、運転時間情報または運転毎運転時間情報と累積合計運転時間情報も測定し、この運転時間情報または運転毎運転時間情報と累積合計運転時間情報も考慮して保険料を算出するため、保険料を更に適確に算出することができる。
【００１５】
請求項４記載の本発明は、請求項２記載の発明において、前記走行距離測定手段が、当該走行距離測定手段で測定した走行毎走行距離情報に対して当該走行において前記走行状態検出手段で検出した走行状態情報および前記車両付属記録媒体に記録されている運転車両の車両基本情報を組み合わせて前記個人所有記録媒体に記録すべく制御する走行毎走行距離対応走行状態記録制御手段を有することを要旨とする。
【００１６】
請求項４記載の本発明にあっては、走行毎走行距離情報に対して走行状態情報および車両基本情報を組み合わせて個人所有記録媒体に記録するため、この組合せられた情報を用いることにより、保険料を更に適確に算出することができる。
【００１７】
また、請求項５記載の本発明は、所定の車両の運転を任意の運転者に可能とすべく該所定の車両に対して設定される保険の保険料を算出する車両の保険料算出システムであって、運転者が所有し、運転者が車両を運転するに当たって、車両に装着されて使用され、運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を記録する個人所有記録媒体と、車両に装着され、車両基本情報、運転者の個人基本情報、走行状態情報、走行距離情報を記録する車両付属記録媒体と、運転者が個人所有記録媒体を車両に装着して車両を運転するに当たって、該個人所有記録媒体に記録されている運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を各運転者に対応して前記車両付属記録媒体に記録するように転送制御する運転者情報記録制御手段と、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行距離を測定し、この測定した走行距離情報を個人所有記録媒体および車両付属記録媒体に記録すべく制御する走行距離測定手段と、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行状態を検出し、この検出した走行状態を個人所有記録媒体および車両付属記録媒体に記録する走行状態検出手段と、前記運転者情報記録制御手段により前記個人所有記録媒体から車両付属記録媒体に転送記録された各運転者毎の個人基本情報、各運転者毎の運転車両の車両基本情報、各運転者毎の走行状態情報、各運転者毎の走行距離情報、並びに前記車両付属記録媒体に記録された車両基本情報、各運転者の個人基本情報、走行状態情報、走行距離情報に基づき前記所定の車両の運転を任意の運転者に可能とする保険の保険料を算出する保険料算出手段とを有することを要旨とする。
【００１８】
請求項５記載の本発明にあっては、運転者が個人所有記録媒体を車両に装着して車両を運転するに当たっては個人所有記録媒体に記録の運転者基本情報、車両基本情報、走行状態情報、走行距離情報が各運転者に対応して車両付属記録媒体に記録され、車両が走行すると、車両の走行距離を測定して個人所有記録媒体と車両付属記録媒体に記録し、車両の走行状態を検出して個人所有記録媒体と車両付属記録媒体に記録し、個人所有記録媒体から車両付属記録媒体に転送記録された各運転者毎の個人基本情報、車両基本情報、走行状態情報、走行距離情報、並びに車両付属記録媒体に記録された車両基本情報、各運転者の個人基本情報、走行状態情報、走行距離情報に基づき所定の車両の運転を任意の運転者に可能とする保険の保険料を算出するため、運転者情報、車両情報、走行状態、走行距離などに基づく運転者の運転技能や経験、車両状態などに適合した最適な保険料を算出でき、例えばペーパードライバのようにほとんど運転経験がなく無事故、無違反の運転者と実際に毎日運転して長い運転経験を持ちながらも無事故、無違反である運転者とを運転技能や経験などの違いから適確に区別して最適な保険料を算出することができる。
【００１９】
更に、請求項６記載の本発明は、請求項５記載の発明において、前記個人所有記録媒体が、前記走行距離情報として走行毎走行距離情報と累積合計走行距離情報を記録し、前記車両付属記録媒体が、前記走行距離情報として運転者走行毎走行距離情報、運転者毎の累積走行距離情報および全運転者の総計走行距離情報を記録し、前記走行距離測定手段が、前記走行距離情報として、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行距離を当該運転者の１回の継続走行毎に測定し、この測定した走行距離情報を個人所有記録媒体には走行毎走行距離としておよび車両付属記録媒体には運転者走行毎走行距離として記録するとともに、前記測定した走行距離情報で前記個人所有記録媒体に記録されている累積合計走行距離情報および前記車両付属記録媒体に記録されている各運転者毎の累積走行距離情報および総計走行距離情報を更新すべく制御する手段を有し、前記走行状態検出手段が、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の走行時の降雪状態、降雨状態、昼夜を含む走行状態を検出する走行時環境状態検出手段、およびシートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を含む走行状態を検出する実走行状態検出手段を有し、前記個人基本情報は、運転者の生年月日、免許取得日、運転可能車種、事故歴・違反歴を含み、前記車両基本情報が、車両の車種情報、排気量情報、車輪駆動情報、年式情報を含むことを要旨とする。
【００２０】
請求項６記載の本発明にあっては、走行距離として各運転者の１回の継続走行である運転者走行毎走行距離を使用し、走行状態として走行時の降雪状態、降雨状態、昼夜、シートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を使用し、個人基本情報として生年月日、免許取得日、運転可能車種、事故歴・違反歴を使用し、車両基本情報として車両の車種情報、排気量情報、車輪駆動情報、年式情報を使用するため、これらの情報により運転者の運転技能や経験、車両状態などを適確に取得し、最適な保険料を算出することができる。
【００２１】
請求項７記載の本発明は、請求項５または６記載の発明において、前記個人所有記録媒体が、運転毎運転時間情報および累積合計運転時間情報を記録する運転時間情報記録手段を有し、前記車両付属記録媒体が、運転者運転毎運転時間情報、運転者毎の累積運転時間情報および全運転者の総計運転時間情報を記録する運転者毎運転時間情報記録手段を有し、本保険料算出システムが、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の運転時間を運転者運転毎運転時間として当該運転者の１回の継続運転時間毎に測定し、この測定した運転者運転毎運転時間情報を前記個人所有記録媒体および車両付属記録媒体に記録するとともに、この測定した運転者運転毎運転時間情報で前記個人所有記録媒体に記録されている累積合計運転時間情報および前記車両付属記録媒体に記録されている運転者毎の累積運転時間情報および全運転者の総計運転時間情報を更新すべく制御する運転時間測定手段とを有し、前記保険料算出手段が、運転者運転毎運転時間情報、運転者毎の累積運転時間情報および全運転者の総計運転時間情報も考慮して所定の車両の運転を任意の運転者に可能とする保険の保険料を算出する運転時間考慮手段を有することを要旨とする。
【００２２】
請求項７記載の本発明にあっては、運転者運転毎運転時間、運転者毎の累積運転時間、総計運転時間を測定し、この運転者運転毎運転時間情報、運転者毎の累積運転時間情報、総計運転時間情報も考慮して保険料を算出するため、保険料を更に適確に算出することができる。
【００２３】
また、請求項８記載の本発明は、請求項６記載の発明において、前記走行距離測定手段で測定した走行毎走行距離に対して当該走行において前記走行状態検出手段で検出した走行状態情報を組み合わせて前記個人所有記録媒体に記録するとともに、前記走行距離測定手段で測定した運転者走行毎走行距離情報に対して当該走行において前記走行状態検出手段で検出した走行状態情報を組み合わせて前記車両付属記録媒体に記録するように制御する走行毎走行距離対応走行状態記録制御手段を有することを要旨とする。
【００２４】
請求項８記載の本発明にあっては、運転者走行毎走行距離情報に対して走行状態情報を組み合わせて個人所有記録媒体および車両付属記録媒体に記録するため、この組合せられた情報を用いることにより、保険料を更に適確に算出することができる。
【００２５】
更に、請求項９記載の本発明は、請求項５乃至８のいずれか１項に記載の発明において、前記車両付属記録媒体が、車両に対して着脱自在に装着されることを要旨とする。
【００２６】
請求項９記載の本発明にあっては、車両付属記録媒体が車両に対して着脱自在に装着されるため、この車両付属記録媒体を車両から取り出して、例えば保険会社などに設置されている車両情報取得手段などに設定し、当該車両付属記録媒体からの情報を取得して保険料の算出などに容易に利用することができる。
【００２７】
請求項１０記載の本発明は、請求項１乃至９のいずれか１項に記載の発明において、前記個人所有記録手段に記録された運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を含む情報に基づいて運転者の種別を決定する運転者種別決定手段を有することを要旨とする。
【００２８】
請求項１０記載の本発明にあっては、個人所有記録手段に記録された運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を含む情報に基づいて運転者の種別を決定するため、例えば優良運転者などの運転者の種別を適確に決定することができる。
【００２９】
また、請求項１１記載の本発明は、所定の運転者個人に対して任意の車両の運転を可能とすべく該運転者個人に対して設定される保険の保険料を算出する車両の保険料算出方法であって、運転者が所有し、運転者が車両を運転するに当たって、車両に装着されて使用される個人所有記録媒体に運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を記録し、車両の車両基本情報を車両付属記録媒体に記録し、運転者が個人所有記録媒体を車両に装着して車両を運転するに当たって、前記車両付属記録媒体に記録されている車両基本情報を前記個人所有記録媒体に記録するように転送制御し、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行距離を測定し、この測定した走行距離情報を前記個人所有記録媒体に記録し、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行状態を検出し、この検出した走行状態情報を前記個人所有記録媒体に記録し、前記個人所有記録媒体に記録された個人基本情報と、運転車両の車両基本情報、走行状態情報、走行距離情報に基づき任意の車両の運転を運転者個人毎に可能とする保険の保険料を算出することを要旨とする。
【００３０】
請求項１１記載の本発明にあっては、運転者が個人所有記録媒体を車両に装着して運転するに当たっては、車両付属記録媒体の車両基本情報が個人所有記録媒体に転送記録され、車両が走行すると、車両の走行距離を測定して個人所有記録媒体に記録し、車両の走行状態を検出して個人所有記録媒体に記録し、この個人所有記録媒体に記録された個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報に基づき任意の車両の運転を運転者個人毎に可能とする保険の保険料を算出するため、運転者情報、車両情報、走行状態、走行距離などに基づく運転者の運転技能や経験、車両状態などに適合した最適な保険料を算出でき、例えばペーパードライバのようにほとんど運転経験がなく無事故、無違反の運転者と実際に毎日運転して長い運転経験を持ちながらも無事故、無違反である運転者とを運転技能や経験などの違いから適確に区別して最適な保険料を算出することができる。
【００３１】
更に、請求項１２記載の本発明は、請求項１１記載の発明において、前記個人所有記録媒体が、前記走行距離情報として走行毎走行距離情報と累積合計走行距離情報を記録し、前記走行距離測定処理が、前記走行距離情報として、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行距離を走行毎走行距離として１回の継続走行毎に測定し、この測定した走行毎走行距離情報を前記個人所有記録媒体に記録するとともに当該走行毎走行距離情報で前記個人所有記録媒体に記録されている累積合計走行距離情報を更新すべく制御し、前記走行状態検出処理が、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の走行時の降雪状態、降雨状態、昼夜を含む走行状態を検出する走行時環境状態検出処理、およびシートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を含む走行状態を検出する実走行状態検出処理を有し、前記個人基本情報が、運転者の生年月日、免許取得日、運転可能車種、事故歴・違反歴を含み、前記車両基本情報が、車両の車種情報、排気量情報、車輪駆動情報、年式情報を含むことを要旨とする。
【００３２】
請求項１２記載の本発明にあっては、走行距離として１回の継続走行である走行毎走行距離を使用し、走行状態として走行時の降雪状態、降雨状態、昼夜、シートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を使用し、個人基本情報として生年月日、免許取得日、運転可能車種、事故歴・違反歴を使用し、車両基本情報として車両の車種情報、排気量情報、車輪駆動情報、年式情報を使用するため、これらの情報により運転者の運転技能や経験、車両状態などを適確に取得し、最適な保険料を算出することができる。
【００３３】
請求項１３記載の本発明は、請求項１１または１２記載の発明において、前記個人所有記録媒体が、運転時間情報または運転毎運転時間情報および累積合計運転時間情報を記録し、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の運転時間を測定し、この測定した運転時間を個人所有記録媒体に記録すべく制御するかまたは運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の運転時間を運転毎運転時間として１回の継続運転時間毎に測定し、この測定した運転毎運転時間情報を前記個人所有記録媒体に記録するとともに、この測定した運転毎運転時間情報で前記個人所有記録媒体に記録されている累積合計運転時間情報を更新すべく制御し、前記保険料算出処理が、運転時間情報または運転毎運転時間情報と前記累積合計運転時間情報も考慮して前記任意の車両の運転を運転者個人毎に可能とする保険の保険料を算出する運転時間考慮処理を有することを要旨とする。
【００３４】
請求項１３記載の本発明にあっては、運転時間情報または運転毎運転時間情報と累積合計運転時間情報を測定し、この運転時間情報または運転毎運転時間情報と累積合計運転時間情報も考慮して保険料を算出するため、更に最適な保険料を算出することができる。
【００３５】
また、請求項１４記載の本発明は、請求項１２記載の発明において、前記走行距離測定処理が、当該走行距離測定手段で測定した走行毎走行距離情報に対して当該走行において前記走行状態検出手段で検出した走行状態情報および前記車両付属記録媒体に記録されている運転車両の車両基本情報を組み合わせて、前記個人所有記録媒体に記録すべく制御する走行毎走行距離記録制御処理を有することを要旨とする。
【００３６】
請求項１４記載の本発明にあっては、走行毎走行距離情報に対して走行状態情報および車両基本情報を組み合わせて個人所有記録媒体に記録するため、この組合せられた情報を用いることにより、保険料を更に適確に算出することができる。
【００３７】
更に、請求項１５記載の本発明は、所定の車両の運転を任意の運転者に可能とすべく該所定の車両に対して設定される保険の保険料を算出する車両の保険料算出方法であって、運転者が所有し、運転者が車両を運転するに当たって、車両に装着されて使用される個人所有記録媒体に運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を記録し、車両に装着される車両付属記録媒体に車両基本情報、運転者の個人基本情報、走行状態情報、走行距離情報を記録し、運転者が個人所有記録媒体を車両に装着して車両を運転するに当たって、該個人所有記録媒体に記録されている運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を各運転者に対応して前記車両付属記録媒体に記録するように転送制御し、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行距離を測定し、この測定した走行距離情報を個人所有記録媒体および車両付属記録媒体に記録し、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行状態を検出し、この検出した走行状態を個人所有記録媒体および車両付属記録媒体に記録し、前記運転者情報記録制御処理により前記個人所有記録媒体から車両付属記録媒体に転送記録された各運転者毎の個人基本情報、各運転者毎の運転車両の車両基本情報、各運転者毎の走行状態情報、各運転者毎の走行距離情報、並びに前記車両付属記録媒体に記録された車両基本情報、各運転者の個人基本情報、走行状態情報、走行距離情報に基づき前記所定の車両の運転を任意の運転者に可能とする保険の保険料を算出することを要旨とする。
【００３８】
請求項１５記載の本発明にあっては、運転者が個人所有記録媒体を車両に装着して車両を運転するに当たっては個人所有記録媒体に記録の運転者基本情報、車両基本情報、走行状態情報、走行距離情報が各運転者に対応して車両付属記録媒体に記録され、車両が走行すると、車両の走行距離を測定して個人所有記録媒体と車両付属記録媒体に記録し、車両の走行状態を検出して個人所有記録媒体と車両付属記録媒体に記録し、個人所有記録媒体から車両付属記録媒体に転送記録された各運転者毎の個人基本情報、車両基本情報、走行状態情報、走行距離情報、並びに車両付属記録媒体に記録された車両基本情報、各運転者の個人基本情報、走行状態情報、走行距離情報に基づき所定の車両の運転を任意の運転者に可能とする保険の保険料を算出するため、運転者情報、車両情報、走行状態、走行距離などに基づく運転者の運転技能や経験、車両状態などに適合した最適な保険料を算出でき、例えばペーパードライバのようにほとんど運転経験がなく無事故、無違反の運転者と実際に毎日運転して長い運転経験を持ちながらも無事故、無違反である運転者とを運転技能や経験などの違いから適確に区別して最適な保険料を算出することができる。
【００３９】
請求項１６記載の本発明は、請求項１５記載の発明において、前記個人所有記録媒体が、前記走行距離情報として走行毎走行距離情報と累積合計走行距離情報を記録し、前記車両付属記録媒体が、前記走行距離情報として運転者走行毎走行距離情報、運転者毎の累積走行距離情報および全運転者の総計走行距離情報を記録し、前記走行距離測定処理が、前記走行距離情報として、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の走行距離を当該運転者の１回の継続走行毎に測定し、この測定した走行距離情報を個人所有記録媒体には走行毎走行距離としておよび車両付属記録媒体には運転者走行毎走行距離として記録するとともに、前記測定した走行距離情報で前記個人所有記録媒体に記録されている累積合計走行距離情報および前記車両付属記録媒体に記録されている各運転者毎の累積走行距離情報および総計走行距離情報を更新し、前記走行状態検出処理が、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の走行時の降雪状態、降雨状態、昼夜を含む走行状態を検出する走行時環境状態検出処理、およびシートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を含む走行状態を検出する実走行状態検出処理を有し、前記個人基本情報が、運転者の生年月日、免許取得日、運転可能車種、事故歴・違反歴を含み、前記車両基本情報は、車両の車種情報、排気量情報、車輪駆動情報、年式情報を含むことを要旨とする。
【００４０】
請求項１６記載の本発明にあっては、走行距離として各運転者の１回の継続走行である運転者走行毎走行距離を使用し、走行状態として走行時の降雪状態、降雨状態、昼夜、シートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を使用し、個人基本情報として生年月日、免許取得日、運転可能車種、事故歴・違反歴を使用し、車両基本情報として車両の車種情報、排気量情報、車輪駆動情報、年式情報を使用するため、これらの情報により運転者の運転技能や経験、車両状態などを適確に取得し、最適な保険料を算出することができる。
【００４１】
また、請求項１７記載の本発明は、請求項１５または１６記載の発明において、前記個人所有記録媒体が、運転毎運転時間情報および累積合計運転時間情報を記録し、前記車両付属記録媒体が、運転者運転毎運転時間情報、運転者毎の累積運転時間情報および全運転者の総計運転時間情報を記録し、運転者が個人所有記録媒体を車両に装着して車両を運転した場合の車両の運転時間を運転者運転毎運転時間として当該運転者の１回の継続運転時間毎に測定し、この測定した運転者運転毎運転時間情報を前記個人所有記録媒体には運転毎運転時間情報としておよび車両付属記録媒体には運転者運転毎運転時間情報として記録するとともに、この測定した運転者運転毎運転時間情報で前記個人所有記録媒体に記録されている累積合計運転時間情報および前記車両付属記録媒体に記録されている運転者毎の累積運転時間情報および全運転者の総計運転時間情報を更新し、前記保険料算出処理が、運転者運転毎運転時間情報、運転者毎の累積運転時間情報および全運転者の総計運転時間情報も考慮して前記所定の車両の運転を任意の運転者に可能とする保険の保険料を算出することを要旨とする。
【００４２】
請求項１７記載の本発明にあっては、運転者運転毎運転時間、運転者毎の累積運転時間、総計運転時間を測定し、この運転者運転毎運転時間情報、運転者毎の累積運転時間情報、総計運転時間情報も考慮して保険料を算出するため、保険料を更に適確に算出することができる。
【００４３】
更に、請求項１８記載の本発明は、請求項１６記載の発明において、前記走行距離測定処理で測定した運転者走行毎走行距離に対して当該走行において前記走行状態検出処理で検出した走行状態情報を組み合わせて前記個人所有記録媒体に記録するとともに、前記走行距離測定処理で測定した運転者走行毎走行距離情報に対して当該走行において前記走行状態検出処理で検出した運転者毎走行状態情報を組み合わせて前記車両付属記録媒体に記録することを要旨とする。
【００４４】
請求項１８記載の本発明にあっては、運転者走行毎走行距離情報に対して運転者毎走行状態情報を組み合わせて個人所有記録媒体および車両付属記録媒体に記録するため、この組合せられた情報を用いることにより、保険料を更に適確に算出することができる。
【００４５】
請求項１９記載の本発明は、請求項１１乃至１８のいずれか１項に記載の発明において、前記個人所有記録手段に記録された運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を含む情報に基づいて運転者の種別を決定することを要旨とする。
【００４６】
請求項１９記載の本発明にあっては、個人所有記録手段に記録された運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を含む情報に基づいて運転者の種別を決定するため、例えば優良運転者などの運転者の種別を適確に決定することができる。
【００４７】
また、請求項２０記載の本発明は、請求項１１乃至１９のいずれか１項に記載の保険料算出方法を保険料算出プログラムとしてコンピュータに実行させることを要旨とする。
【００４８】
請求項２０記載の本発明にあっては、請求項１１乃至１９のいずれか１項に記載の保険料算出方法を保険料算出プログラムとして記録媒体に記録してコンピュータに実行させるため、該記録媒体を用いて、その流通性を高めることができる。
【００４９】
【発明の実施の形態】
以下、図面を用いて本発明の実施の形態を説明する。図１は、本発明の一実施形態に係る車両の保険料算出システムの一部の構成を示すブロック図である。
【００５０】
図１に示す実施形態の保険料算出システムは、車両の回転数メータや走行距離メータと連動していて、車両の走行距離を測定する走行距離測定手段１、運転開始日時や運転終了日時、また連続運転時間を収集測定する日時収集測定手段３、車両が走行している時の状態を監視する走行状態監視手段５、車両に着脱自在に装着される本発明の車両付属記録媒体を構成する車両付属記録手段７、運転者個人によって所有され、運転者が車両を運転するに当たって、車両に装着されて使用される本発明の個人所有記録媒体を構成する個人所有記録手段１１、および前記走行距離測定手段１、日時収集測定手段３、走行状態監視手段５、車両付属記録手段７、個人所有記録手段１１から情報を収集し、車両付属記録手段７や個人所有記録手段１１に記録する情報収集手段９を有する。
【００５１】
図１に示す実施形態の保険料算出システムは、図２（ａ）に示すように、１人の運転者に対して複数台（ｎ）の任意の車両の運転を可能とすべく当該１人の運転者個人に対して設定される保険の保険料を算出するシステムである。
【００５２】
個人所有記録手段１１は、運転者の運転免許証番号、氏名、本籍、住所、生年月日、運転可能車種、すなわち免許の種類、免許取得年月日、事故歴・違反歴を含む個人基本情報、運転車両の車両基本情報、走行状態情報、走行毎走行距離情報、累積合計走行距離情報、運転毎運転時間情報、および累積合計運転時間情報を記録する。車両付属記録手段７は、車両のメーカ名、車名、型番、年式情報、車両ナンバー、車種情報、排気量情報、車輪駆動情報を含む車両基本情報を記録する。
【００５３】
走行距離測定手段１は、本発明の走行距離測定手段を構成し、運転者が個人所有記録手段１１を車両に装着して車両を運転した場合の車両の走行距離を走行毎走行距離として１回の継続走行毎に測定し、この測定した走行毎走行距離情報を情報収集手段９を介して個人所有記録手段１１に記録するとともに、走行毎走行距離情報で個人所有記録手段１１に記録されている累積合計走行距離情報を情報収集手段９により更新するように制御する。
【００５４】
日時収集測定手段３は、走行開始日時、走行終了日時、連続走行時間などからなる日時情報を収集測定する。更に詳しくは、日時収集測定手段３は、本発明の運転時間測定手段を構成し、運転者が個人所有記録手段１１を車両に装着して車両を運転した場合の日時情報を含む車両の運転時間を運転毎運転時間として１回の継続運転時間毎に測定し、この測定した運転毎運転時間情報を情報収集手段９を介して個人所有記録手段１１に記録するとともに、この測定した運転毎運転時間情報で個人所有記録手段１１に記録されている累積合計運転時間情報を情報収集手段９により更新すべく制御する。
【００５５】
走行状態監視手段５は、例えばシートベルトの着用状態を監視検出する。このシートベルトの着用状態は例えば運転者種別を決めたり、保険料を決める上で、被保険者が法規を遵守し、安全運転を心がけているかどうかがわかるということにおいて重要である。更に詳しくは、走行状態監視手段５は、本発明の走行状態検出手段を構成し、運転者が個人所有記録手段１１を車両に装着して車両を運転した場合の車両の走行状態を検出し、この検出した走行状態情報を情報収集手段９を介して個人所有記録手段１１に記録するように制御する。
【００５６】
更に詳しくは、走行状態監視手段５は、運転者が個人所有記録手段１１を車両に装着して車両を運転した場合の走行時の降雪状態、降雨状態、昼夜を含む走行状態を検出する走行時環境状態検出手段、およびシートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を含む走行状態を検出する実走行状態検出手段を有する。
【００５７】
このように走行状態情報は、運転者が個人所有記録手段１１を車両に装着して車両を運転した場合の走行時の降雪状態、降雨状態、昼夜を含む走行時環境状態情報およびシートベルトの装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を含む実走行状態情報を含んでいる。
【００５８】
なお、個人所有記録手段１１は、前記走行距離測定手段１で測定した走行毎走行距離情報に対して当該走行において前記走行状態監視手段５で検出した走行状態情報および車両付属記録手段７に記録されている運転車両の車両基本情報を組み合わせて個人所有記録手段１１に記録するように情報収集手段９で構成される走行毎走行距離記録制御手段で制御されてもよい。
【００５９】
また、情報収集手段９は、運転者が個人所有記録手段１１を車両に装着して車両を運転するに当たって、車両付属記録媒体７に記録されている車両基本情報と個人所有記録手段１１に記録するように転送制御する車両情報記録制御手段も有する。
【００６０】
図３は、図１に示す実施形態の保険料算出システムの一部を構成するブロック図である。同図に示す保険料算出システムは、図１に示した個人所有記録手段１１に記録されている情報を取得する個人情報取得手段２１、図１に示した車両付属記録手段７に記録されている情報を取得する車両情報取得手段２３、および個人情報取得手段２１と車両情報取得手段２３に記録されている情報に基づいて任意の車両の運転を運転者個人毎に可能とする保険の保険料を算出する本発明の保険料算出手段を構成する損害保険料算出手段２５から構成されている。
【００６１】
なお、図３に示す保険料算出システムは、例えば損害保険会社や公安委員会などに設置されて使用される。すなわち、図３の保険料算出システムに対して図１に示す個人所有記録手段１１および車両付属記録手段７に記録されている情報を転送して使用される。更に詳しくは、図１の個人所有記録手段１１および車両付属記録手段７に記録されている情報を図３の保険料算出システムの個人情報取得手段２１および車両情報取得手段２３に転送して使用される。
【００６２】
なお、図１の個人所有記録手段１１および車両付属記録手段７に記録されている情報を図１の保険料算出システムに転送する方法としては、例えば車両走行中に無線の公衆回線を利用して所定の時間が経過する毎、所定の走行距離に達する毎、車両が停車する毎、車両のエンジンが停止する毎などに個人所有記録手段１１、車両付属記録手段７の情報が図３の個人情報取得手段２１、車両情報取得手段２３にそれぞれ転送されて記録される。
【００６３】
また、別の転送方法としては、車両走行中以外のときに、予め決められた日程に従って運転者が届出先や届出先の関連施設に個人所有記録手段１１、車両付属記録手段７を持ち込み、そこに設けられている図３の保険料算出システムの個人情報取得手段２１、車両情報取得手段２３に個人所有記録手段１１、車両付属記録手段７を装着することにより個人所有記録手段１１、車両付属記録手段７の情報が図３の個人情報取得手段２１、車両情報取得手段２３にそれぞれ転送されて記録される。
【００６４】
更に別の転送方法としては、届出先や届出先の関係者によって上記以外の場所に設置された図３の保険料算出システムの個人情報取得手段２１、車両情報取得手段２３に個人所有記録手段１１、車両付属記録手段７を装着することにより個人所有記録手段１１、車両付属記録手段７の情報が図３の個人情報取得手段２１、車両情報取得手段２３にそれぞれ転送されて記録される。
【００６５】
個人情報取得手段２１に対して個人所有記録手段１１から転送記録される情報としては、個人基本情報、運転車両の車両基本情報、走行状態情報、走行毎走行距離情報、累積合計走行距離情報、運転毎運転時間情報および累積合計運転時間情報があり、また車両情報取得手段２３に対して車両付属記録手段７から転送記録される情報としては、車両の車種情報、排気量情報、車輪駆動情報を含む車両基本情報である。
【００６６】
損害保険料算出手段２５は、個人情報取得手段２１に転送記録された個人基本情報、運転車両の車両基本情報、走行状態情報、走行毎走行距離情報、累積合計走行距離情報、運転毎運転時間情報および累積合計運転時間情報および車両情報取得手段２３に転送記録された車両の車種情報、排気量情報、車輪駆動情報を含む車両基本情報に基づいて所定の車種レベルの任意の車両の運転を運転者個人毎に可能とする保険の保険料を算出する。
【００６７】
次に、以上のように構成される保険料算出システムの作用、すなわち所定の１人の運転者個人に対して任意の複数ｎ台の車両の運転を可能とすべく当該運転者個人に対して設定される保険の保険料の算出処理について図４を参照して説明する。
【００６８】
まず、本実施形態の保険料算出システムの保険を契約設定した所定の運転者は、任意の車両を運転するに当たって、当該運転者自身が所有する個人所有記録手段１１を車両に装着してから車両の運転を開始する。
【００６９】
また、該車両には、車両付属記録手段７が既に装着されていて、この車両付属記録手段７には当該車両の車両の車種情報、排気量情報、車輪駆動情報などを含む上述した車両基本情報が記録されていて、運転者が自身の個人所有記録手段１１を車両に装着してから車両の運転を開始すると、車両付属記録手段７に記録されていた車両基本情報が図４に示すように情報収集手段９の制御により情報収集手段９を介して個人所有記録手段１１に転送記録され、これにより運転者の個人所有記録手段１１にはどのような車両を運転したかの車両基本情報が記録されることになる。
【００７０】
次に、運転者が車両を走行させると、走行距離測定手段１が車両の走行距離を逐次測定開始し、日時収集測定手段３が運転者が走行開始した走行開始日時を情報収集手段９に通知するとともに、運転者の運転時間を測定開始し、また走行状態監視手段５が運転者による車両の走行状態を監視して検出開始し、この検出した走行状態情報を図４に示すように情報収集手段９を介して個人所有記録手段１１に逐次記録する。この処理は、運転者が車両を走行させる場合には常に行われる。
【００７１】
また、走行距離測定手段１は、運転者が走行を開始してから終了するまでの連続した車両の１回の継続した走行毎に測定した走行距離を走行毎走行距離情報として情報収集手段９を介して個人所有記録手段１１に記録するとともに、この走行毎走行距離情報で個人所有記録手段１１に記録されている累積合計走行距離情報を情報収集手段９を介して更新する。この処理は、運転者が車両の走行を開始してから終了するまでの各継続走行動作毎に繰り返し行われる。
【００７２】
また、日時収集測定手段３は、運転者が運転を開始してから終了するまでの連続した１回の継続した運転毎に測定した運転時間を運転毎運転時間情報として情報収集手段９を介して個人所有記録手段１１に記録するとともに、この運転毎運転時間情報で個人所有記録手段１１に記録されている累積合計運転時間情報を情報収集手段９を介して更新する。この処理は、運転者が車両の運転を開始してから終了するまでの各継続運転動作毎に繰り返し行われる。
【００７３】
上述したように運転者が車両を運転して走行させる毎に走行毎走行距離情報、運転毎運転時間情報、走行状態情報が個人所有記録手段１１に記録され、かつ個人所有記録手段１１に記録されている累積合計走行距離情報、累積合計運転時間情報が更新されると、この情報の記録更新された個人所有記録手段１１は、例えば車両の保険の契約や更新時に上述したように保険会社などに設置されている図３に示す保険料算出システムの個人情報取得手段２１に設定され、保険料の算出が行われる。
【００７４】
図３の保険料算出システムは、個人情報取得手段２１に設定された個人所有記録手段１１から運転者の個人基本情報、運転車両の車両基本情報、走行毎走行距離情報、運転毎運転時間情報、走行状態情報、累積合計走行距離情報および累積合計走行距離情報を読み出して取得し、これらの情報を損害保険料算出手段２５に供給する。
【００７５】
損害保険料算出手段２５は、これらの情報、すなわち運転者の個人基本情報、運転車両の車両基本情報、走行毎走行距離情報、運転毎運転時間情報、走行状態情報、累積合計走行距離情報および累積合計走行距離情報に基づき前記所定の運転者個人に対して任意の複数の車両の運転を可能とする保険の保険料を算出する。
【００７６】
この保険料の算出では、例えば所定の単位距離毎に保険料の課金が行われる。すなわち、単位距離当りの保険料に実際に走行した距離を乗じることにより最終的な保険料が算出される。この単位距離当りの保険料は、下記に記載するように、走行距離を基本とし、この走行距離に対して運転者の個人基本情報に含まれる事故歴・違反歴、運転時間、および走行状態を組み合わせて算出される。
【００７７】
（１）走行距離対事故歴・違反歴
（２）走行距離対運転時間
（３）走行距離対走行状態
第１の走行距離対事故歴・違反歴では、走行距離が長く、事故歴・違反歴が少ないかまたは軽い程、単位距離当りの保険料は安くなり、走行距離が短く、事故歴・違反歴が多いか重い程、単位距離当りの保険料は高くなる。
【００７８】
また、第２の走行距離対運転時間では、走行距離が長く、運転時間が短い程、平均速度が速いと考えられるため、単位距離当りの保険料は高くなり、走行距離が短く、運転時間が長い程、単位距離当りの保険料は安くなる。
【００７９】
更に、第３の走行距離対走行状態では、走行距離の長さに関係なく、走行状態が悪い程、単位距離当りの保険料は高くなり、また走行状態が良い場合には、走行距離が長い程、単位距離当りの保険料は安くなる。
【００８０】
上述したように、走行距離を基本とした３つ組合せでの単位距離当りの保険料の算出を行う場合において、この３つの組合せは運転者が運転可能な車種別に行われる。例えば、運転者が普通自動車第一種、大型自動車第一種、牽引第一種の免許を取得している場合には、普通自動車に乗った距離で３つの組合せを使用して評価を行い、更に大型自動車に乗った距離で３つの組合せを使用して評価を行い、牽引第一種に乗った距離で３つの組合せを使用して評価を行う。また、一般的に普通自動車第一種免許取得者は原付二輪車も運転可能であるため、これについても３つの組合せを評価することになる。同様に、大型自動車第一種を取得していれば運転可能になるその他の車種、および牽引第一種を取得していれば運転可能になるその他の車種についても３つの組合せを評価することになる。
【００８１】
一例として、図６に示すように、普通自動車第一種、大型自動車第一種、牽引第一種の車両で実際に走行した場合において普通自動車、大型自動車、牽引のそれぞれにおける走行実績の評価を行うと、普通自動車の走行実績の評価では、普通自動車で実際に走行した距離は、合計で４００ｋｍ（＝２５０＋１５０）、運転した時間は８時間（＝５＋３）であるが、大型自動車および牽引の免許証でも普通自動車の運転は可能であるので、３つの組合せの評価を行う時には、普通自動車４００ｋｍ、大型自動車５０ｋｍ、牽引１００ｋｍの合計距離５５０ｋｍを使用する。また、運転時間についても同様に普通自動車８時間、大型自動車１時間、牽引２時間の合計運転時間１１時間を使用する。なお、この走行距離および運転時間を利用して、３つの組合せの評価を行うが、事故歴・違反歴および走行状態はどの車種の評価を行う場合でも変わらないとする。
【００８２】
同様に、図６に示した普通自動車第一種、大型自動車第一種、牽引第一種の車両での走行において、大型自動車の走行実績の評価では、大型自動車で実際に走行した距離は、合計で５０ｋｍ、運転時間は１時間であるが、牽引の免許証でも大型自動車の運転は可能であるので、３つの組合せの評価を行う時には、大型自動車５０ｋｍ、牽引１００ｋｍの合計距離１５０ｋｍを使用し、運転時間についても同様に大型自動車１時間、牽引２時間の合計運転時間３時間を使用する。
【００８３】
更に、図６に示した普通自動車第一種、大型自動車第一種、牽引第一種の車両での走行で、牽引の走行実績の評価では、牽引で実際に走行した距離は、合計で１００ｋｍ、運転時間は２時間であり、他の免許証では牽引の運転は不可能であるので、３つの組合せの評価を行う時には、牽引１００ｋｍのみを使用し、運転時間も牽引２時間のみを使用する。
【００８４】
以上の評価結果から例えば図７に示すような９つの単位距離当りの保険料が算出される。仮に１ｋｍ当りの保険料を算出したとして、図７に示すような結果が得られたとする。なお、図７に示す表の数値はランダムに入力したものである。
【００８５】
このように得られた結果に対して上述した図６の例で算出した実際の走行距離を掛け合わせると、下記のように保険料が算出される。
【００８６】
普通自動車走行分の保険料は４００ｋｍ×１０＋４００×２＋４００×３＝６０００となり、大型自動車走行分の保険料は５０ｋｍ×３＋５０ｋｍ×２＋５０×２＝３５０となり、牽引走行分の保険料は１００ｋｍ×５＋１００ｋｍ×３＋１００ｋｍ×５＝１３００となる。そして、これらの保険料を合計すると、７６５０となり、これが運転者が保険会社に支払う保険料である。
【００８７】
なお、普通自動車を運転しているときには、普通自動車の運転に必要な運転技能しか使用していないと考えられるが、大型自動車を運転するときには、普通自動車以上に高度な運転技能が要求されるので、大型自動車運転中は普通自動車に必要な運転技能も利用していると考え、上述した３つの組合せで単位距離当りの保険料を算出するときの算出根拠とする。
【００８８】
次に、図５を参照して、本発明の他の実施形態に係る保険料算出システムについて説明する。
【００８９】
本実施形態の保険料算出システムは、図２（ｂ）に示すように、複数ｎ人の運転者に対して所定の車両の運転を可能とすべく所定の車両に対して設定される保険の保険料を算出するシステムである。
【００９０】
この保険料算出システムの構成および各構成要素の構成と機能は、基本的には図１および図３に示すものと同じであり、当該保険料算出システムは、走行距離測定手段１、日時収集測定手段３、走行状態監視手段５、車両付属記録手段７、情報収集手段９、個人所有記録手段１１、個人情報取得手段２１、車両情報取得手段２３、損害保険料算出手段２５から構成されているが、ここにおける情報の流れが図５に示すように情報収集手段９と車両付属記録手段７および個人所有記録手段１１の間に示すように図４と異なっているものである。すなわち、図４では、各情報は個人所有記録手段１１に記録されるように流れているが、図５では、各情報は車両付属記録手段７に記録されるように流れている。
【００９１】
図５に示す本実施形態の保険料算出システムの作用、すなわち複数ｎ人の運転者に対して所定の車両の運転を可能とすべく所定の車両に対して設定される保険の保険料の算出処理について説明する。
【００９２】
まず、本実施形態の保険料算出システムの保険が契約設定された所定の車両をある運転者が運転するに当たって、当該運転者自身が所有する個人所有記録手段１１を当該車両に装着してから車両の運転を開始する。
【００９３】
また、当該所定の車両には、車両付属記録手段７が既に装着されていて、この車両付属記録手段７には当該車両の車両の車種情報、排気量情報、車輪駆動情報などを含む上述した車両基本情報が記録されていて、運転者が自身の個人所有記録手段１１を車両に装着してから車両の運転を開始すると、個人所有記録手段１１に記録されていた前記運転者の情報、すなわち該運転者の個人基本情報、および当該運転者が今まで種々の車両を運転した結果の記録である各運転車両の車両基本情報、走行状態情報、走行毎走行距離情報、運転毎運転時間情報、累積合計運転時間情報および累積合計走行距離情報が図５に示すように情報収集手段９の制御により情報収集手段９を介して車両付属記録手段７に転送記録され、これにより車両の車両付属記録手段７にはどのような運転履歴を持つどのような運転者であるかを示す情報が記録されることになる。なお、この車両の走行開始時における個人所有記録手段１１から車両付属記録手段７への情報の転送記録処理は、種々の運転者が当該所定の車両を運転開始する時に種々の運転者の個人所有記録手段１１から行われ、車両付属記録手段７には種々の運転者の個人所有記録手段１１の記録内容が記録されることになる。
【００９４】
なお、車両付属記録手段７には、今まで当該所定の車両が種々の運転者を乗せて走行した結果の記録として、当該所定の車両の車両基本情報、該車両を運転した各運転者毎の個人基本情報、運転者毎走行状態情報、運転者走行毎走行距離情報、運転者毎の累積走行距離情報、運転者運転毎運転時間情報、運転者毎の累積運転時間情報および全運転者の総計走行距離情報が既に記録されている。
【００９５】
次に、運転者が車両を走行させると、走行距離測定手段１が車両の走行距離を逐次測定開始し、日時収集測定手段３が運転者が走行開始した走行開始日時を情報収集手段９に通知するとともに、運転者の運転時間を測定開始し、また走行状態監視手段５が運転者による車両の走行状態を監視して検出開始し、この検出した走行状態情報を図５に示すように情報収集手段９を介して車両付属記録手段７および個人所有記録手段１１に逐次記録する。この処理は、運転者が車両を走行させる毎にかつ運転者による車両の運転走行中には常に行われる。
【００９６】
また、走行距離測定手段１は、運転者が走行を開始してから終了するまでの連続した車両の１回の継続した走行毎に測定した走行距離を走行毎走行距離情報として情報収集手段９を介して車両付属記録手段７および個人所有記録手段１１に記録するとともに、この走行毎走行距離情報で車両付属記録手段７に記録されている運転者毎の累積合計走行距離情報および全運転者の総計走行距離情報を情報収集手段９を介して更新する。この処理は、運転者が車両の走行を開始してから終了するまでの各継続走行動作毎に繰り返し行われる。
【００９７】
更に、日時収集測定手段３は、運転者が運転を開始してから終了するまでの連続した１回の継続した運転毎に測定した運転時間を運転者運転毎運転時間情報として情報収集手段９を介して車両付属記録手段７および個人所有記録手段１１に記録するとともに、この運転者運転毎運転時間情報で車両付属記録手段７および個人所有記録手段１１に記録されている運転者毎の累積運転時間情報および全運転者の総計運転時間情報を情報収集手段９を介して更新する。この処理は、運転者が車両の運転を開始してから終了するまでの各継続運転動作毎に繰り返し行われる。
【００９８】
上述したように運転者が車両を運転して走行させる毎に運転者走行毎走行距離情報、運転者運転毎運転時間情報、走行状態情報が車両付属記録手段７および個人所有記録手段１１に記録され、かつ車両付属記録手段７および個人所有記録手段１１に記録されている運転者毎の累積走行距離情報、運転者毎の累積運転時間情報、全運転者の総計走行距離情報および全運転者の総計運転時間情報が更新されると、この情報の記録更新された車両付属記録手段７は、例えば車両の保険の契約や更新時に上述したように保険会社などに設置されている図３に示す保険料算出システムの車両情報取得手段２３に設定され、保険料の算出が行われる。
【００９９】
図３の保険料算出システムは、車両情報取得手段２３に設定された車両付属記録手段７から、当該車両付属記録手段７に記録されている情報を読み出して取得し、これらの情報を損害保険料算出手段２５に供給する。
【０１００】
この車両付属記録手段７から読み出される情報は、具体的には、上述したように種々の運転者による車両の運転開始時に各運転者の個人所有記録手段１１から車両付属記録媒体７に転送記録された各運転者毎の個人基本情報、各運転者毎の運転車両の車両基本情報、各運転者毎の走行状態情報、各運転者毎の走行毎走行距離情報および各運転者毎の累積合計走行距離情報、並びに前記車両付属記録媒体７に記録された車両基本情報、各運転者の個人基本情報、運転者毎走行状態情報、運転者走行毎走行距離情報、運転者運転毎運転時間情報、運転者毎の累積走行距離情報、運転者毎の累積運転時間情報、全運転者の総計走行距離情報および全運転者の総計運転時間情報である。
【０１０１】
損害保険料算出手段２５は、車両情報取得手段２３により車両付属記録手段７から読み出した前記の情報に基づき前記所定の車両に対して任意の複数の運転者の運転を可能とする保険の保険料を算出する。なお、この保険料の算出では、例えば所定の単位距離毎に保険料の課金が図６および図７で説明したように行われるが、その内容は同じであるで、その説明は省略する。
【０１０２】
なお、上記実施形態では、図２（ｂ）に示すように、複数ｎ人の運転者に対して所定の１台の車両の運転を可能とすべく当該車両に対して設定される保険の保険料の算出処理について説明し、また先に説明した最初の実施形態では、図２（ａ）に示すように、所定の１人の運転者個人に対して任意の複数のｎ台の車両の運転を可能とすべく当該運転者個人に対して設定される保険の保険料の算出処理について説明したが、両実施形態を組み合わせることにより、複数ｎ人の運転者対複数ｎ台の車両に対しても可能であることは勿論のことである。
【０１０３】
次に、図８を参照して、本発明の別の実施形態について説明する。
【０１０４】
図８に示す実施形態は、図１に示したシステムを例えば免許の更新などで公安委員会において優良運転者などの運転者種別を決定するための運転者種別決定システムとして適用したものであり、図１に示した構成のシステムおよび図１のシステムで使用された個人所有記録手段１１をそのまま利用し、この個人所有記録手段１１に記録されている情報に基づいて運転者の種別、すなわち運転者が優良運転者であるか否かなどを決定するものである。なお、本実施形態の運転者種別決定システムは、例えば公安委員会や保険会社などに設置される。
【０１０５】
すなわち、図８に示す実施形態の運転者種別決定システムは、図１のシステムで使用された個人所有記録媒体である個人所有記録手段１１が装着設定され、この個人所有記録手段１１に記録されている情報、すなわち運転者の個人基本情報、運転車両の車両基本情報、走行毎走行距離情報、運転毎運転時間情報、走行状態情報、累積合計走行距離情報および累積合計走行距離情報を個人所有記録手段１１から読み出して取得するための、図３に示したものと同じ構成機能の個人情報取得手段２１、およびこの個人情報取得手段２１で取得した運転者の個人基本情報、運転車両の車両基本情報、走行毎走行距離情報、運転毎運転時間情報、走行状態情報、累積合計走行距離情報および累積合計走行距離情報に基づいて運転者が優良運転者であるか否かなどの運転者種別を決定する運転者種別決定手段３１から構成されている。
【０１０６】
このように構成される運転者種別決定システムでは、各運転者は、車両の運転を行うに当たっては、図１に関連して説明したように自身の個人基本情報が記録されている個人所有記録手段１１を車両に装着し、それから車両の運転走行を開始するが、このように個人所有記録手段１１を車両に装着してから車両の運転を開始すると、この運転走行時の各種情報、すなわち運転車両の車両基本情報、走行毎走行距離情報、運転毎運転時間情報、走行状態情報、累積合計走行距離情報および累積合計走行距離情報などの各種情報が図１に示したシステムによって個人所有記録手段１１に記録される。従って、各運転者は、例えば免許の更新時などのために図８の運転者種別決定システムの設置されている公安委員会に行き、自身の個人所有記録手段１１を提出すると、公安委員会では、この個人所有記録手段１１は図８に示す運転者種別決定システムの個人情報取得手段２１に装着する。
【０１０７】
個人所有記録手段１１が装着されると、個人情報取得手段２１は、個人所有記録手段１１に記録されている運転者の各種情報、すなわち当該運転者の運転免許証番号、氏名、本籍、住所、生年月日、免許取得日、免許の種類、免許取得年月日、事故歴・違反歴を含む個人基本情報、並びに当該運転者が車両を運転した時の運転車両の車両基本情報、走行毎走行距離情報、運転毎運転時間情報、走行状態情報、累積合計走行距離情報および累積合計走行距離情報などの各種情報を読み取って取得し、この取得した当該運転者の各種情報を運転者種別決定手段３１に供給する。
【０１０８】
運転者種別決定手段３１は、個人情報取得手段２１から供給された運転者の各種情報、すなわち運転者の運転免許証番号、氏名、本籍、住所、生年月日、免許取得日、免許の種類、免許取得年月日、事故歴・違反歴を含む個人基本情報、並びに当該運転者が車両を運転した時の運転車両の車両基本情報、走行毎走行距離情報、運転毎運転時間情報、走行状態情報、累積合計走行距離情報および累積合計走行距離情報などの各種情報に基づき当該運転者が優良運転者であるか否かなどの運転者種別を決定する。
【０１０９】
なお、運転者種別の設定は、個人所有記録手段１１に記録されている全情報を参考とするが、特に事故歴・違反歴を重要視することは勿論のことに加えて、走行毎走行距離情報、運転毎運転時間情報、走行状態情報、累積合計走行距離情報および累積合計走行距離情報などの情報も重要視しながら行われる。
【０１１０】
次に、図９を参照して、本発明の更に他の実施形態について説明する。本実施形態は、図１に示したシステムの考え方を運転免許証発行システムに適用したものである。
【０１１１】
図９に示す実施形態の運転免許証発行システムは、例えば運転免許試験場や警察署などにおいて運転者の事故歴・違反歴のみを見て、運転者の種別を決定し免許証を発行しているが、このような免許証の発行において運転者の走行実績なども運転者種別決定の基準として考慮することにより運転者の種別決定を更に適確に行おうとするものである。なお、この運転免許証発行システムは、図１の実施形態において使用した個人所有記録媒体である個人所有記録手段１１を使用して各運転者の各種情報を得るようになっている。
【０１１２】
図９の運転免許証発行システムは、図１のシステムで使用され、運転者の走行情報などの各種情報の記録されている個人所有記録手段１１から運転者の個人走行情報を取得する個人走行情報取得手段６１、運転者種別を決定するための判定基準が記憶されている運転者種別判定基準記録手段６３、免許更新時の申請書やデータベースに格納された個人基本情報を取得する個人基本情報取得手段６５、運転者の個人基本情報や関連情報を判定基準に照らし合わせて運転者種別を判定して出力する運転者種別判定手段６７、運転者の個人基本情報、顔写真データ、交付日付、その他関連情報を基礎に運転免許証を発行する運転者免許証発行手段６９、スキャナを利用して読み込まれる運転者の顔写真のデータや撮影により得られたデータを取得する顔写真データ取得手段７１、および運転免許を交付する日の日付情報を取得する交付日付取得手段７３から構成されている。
【０１１３】
このように構成される運転免許証発行システムでは、各運転者の免許証を交付するに当り、個人走行情報取得手段６１で取得した運転者の個人走行情報および個人基本情報取得手段６５で取得した運転者の個人基本情報が運転者種別判定手段６７に供給されると、運転者種別判定手段６７は、運転者種別判定基準記録手段６３から運転者種別判定基準を取得し、運転者の個人走行情報や個人基本情報を当該判定基準と照合して、運転者の種別を決定する。この決定した運転者の種別情報を運転者免許証発行手段６９に供給する。
【０１１４】
運転者免許証発行手段６９は、運転者種別判定手段６７から運転者種別情報を受け取ると、個人基本情報取得手段６５から運転者の個人基本情報を、顔写真データ取得手段７１から運転者の顔写真データを、交付日付取得手段７３から免許証交付日付をそれぞれ取得し、これらの運転者種別情報、個人基本情報、顔写真データ、免許証交付日付に基づいて免許証を作成して発行する。この場合において、運転者種別情報は、運転免許証の表示面に種別毎に決められた形式に沿って内容が印刷されたり、また運転免許証が記録機能を有する場合には予め種別毎に定められた形式に沿った内容の記録が行われ、これにより運転免許証に運転者種別が付与されることになる。
【０１１５】
なお、上記実施形態の保険料算出方法の処理手順をプログラムとして例えばＣＤやＦＤなどの記録媒体に記録して、この記録媒体をコンピュータシステムに組み込んだり、または記録媒体に記録されたプログラムを通信回線を介してコンピュータシステムにダウンロードしたり、または記録媒体からインストールし、該プログラムでコンピュータシステムを作動させることにより、保険料算出方法を実施する保険料算出システムとして機能させることができることは勿論であり、このような記録媒体を用いることにより、その流通性を高めることができるものである。
【０１１６】
【発明の効果】
以上説明したように、本発明によれば、運転者が個人所有記録媒体を車両に装着して運転するに当たっては、車両付属記録媒体の車両基本情報が個人所有記録媒体に転送記録され、車両が走行すると、車両の走行距離を測定して個人所有記録媒体に記録し、車両の走行状態を検出して個人所有記録媒体に記録し、この個人所有記録媒体に記録された個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報に基づき任意の車両の運転を運転者個人毎に可能とする保険の保険料を算出するので、運転者情報、車両情報、走行状態、走行距離などに基づく運転者の運転技能や経験、車両状態などに適合した最適な保険料を算出でき、例えばペーパードライバのようにほとんど運転経験がなく無事故、無違反の運転者と実際に毎日運転して長い運転経験を持ちながらも無事故、無違反である運転者とを運転技能や経験などの違いから適確に区別して最適な保険料を算出することができる。
【０１１７】
また、本発明によれば、走行距離として１回の継続走行である走行毎走行距離を使用し、走行状態として走行時の降雪状態、降雨状態、昼夜、シートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を使用するので、これらの情報により運転者の運転技能や経験、車両状態などを適確に取得し、最適な保険料を算出することができる。
【０１１８】
更に、本発明によれば、運転時間情報または運転毎運転時間情報と累積合計運転時間情報も測定し、この運転時間情報または運転毎運転時間情報と累積合計運転時間情報も考慮して保険料を算出するので、更に最適な保険料を算出することができる。
【０１１９】
本発明によれば、走行毎走行距離情報に対して走行状態情報および車両基本情報を組み合わせて個人所有記録媒体に記録するので、この組合せられた情報を用いることにより、保険料を更に適確に算出することができる。
【０１２０】
また、本発明によれば、運転者が個人所有記録媒体を車両に装着して車両を運転するに当たっては個人所有記録媒体に記録の運転者基本情報、車両基本情報、走行状態情報、走行距離情報が各運転者に対応して車両付属記録媒体に記録され、車両が走行すると車両の走行距離、走行状態を検出して個人所有記録媒体と車両付属記録媒体に記録し、個人所有記録媒体から車両付属記録媒体に転送記録された各運転者毎の個人基本情報、車両基本情報、走行状態情報、走行距離情報、並びに車両付属記録媒体に記録された車両基本情報、各運転者の個人基本情報、走行状態情報、走行距離情報に基づき所定の車両の運転を任意の運転者に可能とする保険の保険料を算出するので、運転者情報、車両情報、走行状態、走行距離などに基づく運転者の運転技能や経験、車両状態などに適合した最適な保険料を算出でき、例えばペーパードライバのようにほとんど運転経験がなく無事故、無違反の運転者と実際に毎日運転して長い運転経験を持ちながらも無事故、無違反である運転者とを運転技能や経験などの違いから適確に区別して最適な保険料を算出することができる。
【０１２１】
更に、本発明によれば、走行距離として各運転者の１回の継続走行である運転者走行毎走行距離を使用し、走行状態として走行時の降雪状態、降雨状態、昼夜、シートベルト装着状態、エアーバック作動回数、最高速度、平均速度、最大加速度、急加減速回数、急ブレーキ回数、最大横方向重力、最大前後方向重力を使用し、個人基本情報として生年月日、免許取得日、運転可能車種、事故歴・違反歴を使用し、車両基本情報として車両の車種情報、排気量情報、車輪駆動情報、年式情報を使用するので、これらの情報により運転者の運転技能や経験、車両状態などを適確に取得し、最適な保険料を算出することができる。
【０１２２】
本発明によれば、運転者運転毎運転時間、運転者毎の累積運転時間、総計運転時間を測定し、この運転者運転毎運転時間情報、運転者毎の累積運転時間情報、総計運転時間情報も考慮して保険料を算出するので、保険料を更に適確に算出することができる。
【０１２３】
また、本発明によれば、運転者走行毎走行距離情報に対して運転者毎走行状態情報を組み合わせて個人所有記録媒体および車両付属記録媒体に記録するので、この組合せられた情報を用いることにより、保険料を更に適確に算出することができる。
【０１２４】
更に、本発明によれば、車両付属記録媒体が車両に対して着脱自在に装着されるので、この車両付属記録媒体を車両から取り出して、例えば保険会社などに設置されている車両情報取得手段などに設定し、当該車両付属記録媒体からの情報を取得して保険料の算出などに容易に利用することができる。
【０１２５】
本発明によれば、個人所有記録手段に記録された運転者の個人基本情報、運転車両の車両基本情報、走行状態情報、走行距離情報を含む情報に基づいて運転者の種別を決定するので、例えば優良運転者などの運転者の種別を適確に決定することができる。
【０１２６】
また、本発明によれば、請求項１１乃至１９のいずれか１項に記載の保険料算出方法を保険料算出プログラムとして例えば記録媒体などに記録したコンピュータに実行させるので、該記録媒体を用いて、その流通性を高めることができる。
【図面の簡単な説明】
【図１】
本発明の一実施形態に係る保険料算出システムの構成を示すブロック図である。
【図２】
図１に示す実施形態の保険料算出システムにおける複数の任意の車両の運転を所定の１人の運転者に可能とし、所定の１台の車両の運転を複数の任意の運転者に可能とする保険の保険料の算出を示す説明図である。
【図３】
図１に示す実施形態の保険料算出システムの一部を構成するブロック図である。
【図４】
図１に示す実施形態の保険料算出システムの作用である複数の任意の車両の運転を所定の１人の運転者に可能とする保険の保険料の算出処理における情報の流れを示す説明図である。
【図５】
本発明の他の実施形態に係る保険料算出システムの作用である所定の１台の車両の運転を複数の任意の運転者に可能とする保険の保険料の算出処理における情報の流れを示す説明図である。
【図６】
普通自動車第一種、大型自動車第一種、牽引第一種の車両で実際に走行した場合においてそれぞれにおける走行実績の評価を行うための走行距離と運転時間を示す図である。
【図７】
図６に示した普通自動車、大型自動車、牽引に対する走行距離対事故歴・違反歴、走行距離対運転時間、走行距離対走行状態における単位距離当りの保険料を算出するための表である。
【図８】
本発明の別の実施形態に係る運転者種別決定システムの構成を示すブロック図である。
【図９】
本発明の更に他の実施形態に係る運転免許証発行システムの構成を示すブロック図である。
【符号の説明】
１走行距離測定手段
３日時収集測定手段
５走行状態監視手段
７車両付属記録手段
９情報収集手段
１１個人所有記録手段
２１個人情報取得手段
２３車両情報取得手段
２５損害保険料算出手段
３１運転者種別決定手段[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention provides an insurance premium set for a predetermined driver individual to enable driving of a plurality of arbitrary vehicles for the predetermined driver individual and a predetermined insurance premium for a plurality of arbitrary drivers. The present invention relates to an insurance premium calculation system, a method and a program for calculating an insurance premium set for a predetermined vehicle so as to enable driving of the vehicle.
[0002]
[Prior art]
In the conventional vehicle insurance industry, drivers who travel short distances are favored by the idea that driving an insured person driving a vehicle is risk taking. In addition, the Public Safety Commission considers drivers who are free from vehicle accidents and traffic violations to be good drivers, regardless of how often they drive. For such excellent drivers, measures such as prolonging the license renewal period until the next time or reducing insurance premiums for vehicles are taken by the Public Safety Commission and insurance companies, and driving experience and driving Skills are not considered.
[0003]
Also, even if the paper driver and the driver who drives on a daily basis produce the same result with no accidents and no violations, the process up to that point is completely different, and the driver who drives on a daily basis encounters an accident Although there is a high possibility that a driver will violate or violate the rules, the conventional concept is to drive a paper driver and drive on a daily basis, but without accurately distinguishing between the same accident-free and non-violating drivers, driving without accidents and no violations Considering the driver as a good driver, the license renewal period for such a good driver is extended, and insurance premiums for vehicles are reduced, but the driving experience and driving skills are hardly considered. Not.
[0004]
Therefore, it is desirable to determine the insurance premium and the excellent driver of the vehicle in consideration of the driving experience and the driving skill of the driver, and conventionally, according to the driving history such as the driving distance of the driver and the driving frequency. For example, a system for providing service contents by a rental car company or the like has been proposed (for example, see Patent Document 1).
[0005]
[Patent Document 1]
JP-A-2002-288286
[0006]
[Problems to be solved by the invention]
As described above, conventionally, for example, a paper driver who drives on a daily basis, but does not accurately distinguish between the same accident-free and non-violating driver, and even a paper driver that hardly drives, if there is no accident or no violation, excellent driving However, there is a problem in that the driving experience and driving skills are not taken into consideration, although the period of renewal of the license for such a good driver is extended or the insurance premium of the vehicle is reduced.
[0007]
Further, in the above-described conventional system that provides service contents by, for example, a rental car company according to a driving history such as a driving distance and a driving frequency of a driver, the driving history such as a driving distance and a driving frequency is simply considered. It does not consider, for example, the content of the vehicle, the running state, or various information that can estimate the driving skill and driving experience, etc., and is insufficient, and furthermore, the service contents by a rental car company etc. Most of the descriptions are for insurance premiums for vehicles, and are set for individual drivers so that a given driver can drive any number of vehicles. For calculating the insurance premium to be provided and the insurance premium to be set for the vehicle so as to enable a plurality of drivers to drive one predetermined vehicle. Absolutely no description about such a method of calculating the proper probability also contain such such a vehicle driver's driving skill or driving experience premium is desired.
[0008]
The present invention has been made in view of the above, and an object of the present invention is to enable driving of an arbitrary vehicle for each driver individually and to enable driving of a predetermined vehicle to an arbitrary driver. It is an object of the present invention to provide an insurance premium calculation system, method, and program for accurately calculating an insurance premium based on a driver's driving skill and driving experience.
[0009]
[Means for Solving the Problems]
In order to achieve the above object, the present invention according to claim 1 calculates an insurance premium set for an individual driver to enable the driver to drive an arbitrary vehicle. An insurance premium calculation system for a vehicle, which is owned by a driver and used by being mounted on a vehicle when the driver drives the vehicle, the driver's personal basic information, the vehicle's basic vehicle information, and the driving state. Information, a personally-owned recording medium for recording mileage information, a vehicle-attached recording medium for recording vehicle basic information of the vehicle, and a driver attached to the vehicle with the personally-owned recording medium mounted on the vehicle. Vehicle information recording control means for transferring and controlling the vehicle basic information recorded on the recording medium so as to be recorded on the personal recording medium, and when the driver drives the vehicle with the personal recording medium mounted on the vehicle. vehicle A traveling distance measuring means for measuring a traveling distance and controlling the measured traveling distance information to be recorded on the personal recording medium; and a vehicle in a case where the driver drives the vehicle with the personal recording medium mounted on the vehicle. Traveling state detecting means for detecting the traveling state of the vehicle and recording the detected traveling state information on the personal recording medium; personal basic information recorded on the personal recording medium; The present invention has an insurance premium calculating means for calculating an insurance premium for enabling an individual driver to drive an arbitrary vehicle on the basis of information, running state information, and running distance information.
[0010]
According to the first aspect of the present invention, when the driver drives the vehicle with the personal recording medium attached to the vehicle, the vehicle basic information of the recording medium attached to the vehicle is transferred and recorded on the personal recording medium, and When traveling, the traveling distance of the vehicle is measured and recorded on a personal recording medium, the traveling state of the vehicle is detected and recorded on a personal recording medium, personal basic information recorded on the personal recording medium, the driving vehicle Driver information, vehicle information, running state, running distance, etc. to calculate insurance premiums that enable driving of any vehicle for each driver based on vehicle basic information, running state information, running distance information Based on the driver's driving skills and experience, it is possible to calculate the optimal insurance premium adapted to the vehicle condition, for example, with a driver who has little driving experience like a paper driver, no accidents, no driving violations Even while having stomach operation experience accidents, it is possible to calculate the optimal insurance premiums to distinguish to apply sure the driver is a non-violation from differences in driving skills and experience.
[0011]
According to a second aspect of the present invention, in the first aspect of the present invention, the personally-owned recording medium records mileage information for each mileage and cumulative total mileage information as the mileage information, and the mileage measurement is performed. The means measures, as the traveling distance information, the traveling distance of the vehicle when the driver drives the vehicle with the personally-owned recording medium mounted on the vehicle, as the traveling distance per traveling, for each one continuous traveling. Means for controlling to update the accumulated total mileage information recorded on the personally owned recording medium with the mileage information for each mileage while recording the mileage information for each mileage recorded on the personally owned recording medium, The traveling environment detecting means detects a snowfall state, a rainfall state, and a traveling state including day and night when traveling when the driver drives the vehicle with the personal recording medium mounted on the vehicle. Actual running state detection that detects the running state including the seat belt wearing state, the number of air bag operations, the maximum speed, the average speed, the maximum acceleration, the number of sudden acceleration / deceleration, the number of sudden braking, the maximum lateral gravity, and the maximum longitudinal gravity Means, the personal basic information includes the driver's birth date, license acquisition date, drivable vehicle type, accident history / violation history, and the vehicle basic information includes vehicle type information, displacement information, wheels It is essential to include driving information and year information.
[0012]
According to the second aspect of the present invention, the travel distance is the travel distance for each continuous run, which is one continuous run, and the travel state is a snowfall state, a rainfall state, day and night, a seatbelt wearing state, and an air condition. Using the number of back operations, maximum speed, average speed, maximum acceleration, rapid acceleration / deceleration times, rapid braking times, maximum lateral gravity, and maximum longitudinal gravity, personal birth date, license acquisition date, drivable vehicle type as basic personal information , Accident history, violation history, and vehicle type information, displacement information, wheel drive information, and year information as the basic vehicle information, the driver's driving skills, experience, vehicle condition, etc. Can be obtained accurately and the optimal insurance premium can be calculated.
[0013]
The present invention according to claim 3 is the invention according to claim 1 or 2, wherein the personal recording medium records driving time information or driving time information per driving and cumulative total driving time information. Means, the insurance premium calculation system measures the driving time of the vehicle when the driver drives the vehicle with the personal recording medium attached to the vehicle, and the measured driving time is recorded in the personal recording medium. The vehicle is controlled for recording or the driving time of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle is measured for each continuous driving time as the driving time for each driving, and this measurement is performed. The operation time information per operation is recorded on the personal recording medium, and the accumulated total operation time information recorded on the personal recording medium is controlled with the measured operation time information per operation. A driving time measuring unit, wherein the insurance premium calculating unit enables driving of the arbitrary vehicle for each individual driver in consideration of driving time information or driving time information for each driving and the cumulative total driving time information. The gist of the present invention is to have a driving time consideration means for calculating an insurance premium.
[0014]
According to the third aspect of the present invention, the operating time information or the operating time information for each operation and the cumulative total operating time information are also measured, and the operating time information or the operating time information for each operation and the cumulative total operating time information are also considered. Therefore, the insurance premium can be more accurately calculated.
[0015]
According to a fourth aspect of the present invention, in the second aspect, the traveling distance measuring means detects the traveling distance information measured by the traveling distance measuring means by the traveling state detecting means in the traveling. The present invention further comprises a traveling state recording control means for controlling the traveling state corresponding to each traveling distance to control the combined recording of the traveling state information and the vehicle basic information of the driving vehicle recorded in the recording medium attached to the vehicle. And
[0016]
According to the fourth aspect of the present invention, since the traveling state information and the vehicle basic information are combined with the traveling distance information for each traveling and recorded on the personally owned recording medium, the combined information is used to provide insurance. The fee can be calculated more accurately.
[0017]
According to a fifth aspect of the present invention, there is provided a vehicle insurance premium calculating system for calculating an insurance premium set for a predetermined vehicle so as to enable a given driver to drive a predetermined vehicle. It is owned by the driver and used by being mounted on the vehicle when the driver drives the vehicle, and records the driver's personal basic information, the vehicle's basic information, the driving state information, and the traveling distance information of the driving vehicle. A personal recording medium, a vehicle-attached recording medium that is mounted on a vehicle and records vehicle basic information, a driver's personal basic information, driving state information, and mileage information, and a driver mounts a personal recording medium on the vehicle. In driving the vehicle, the personal basic information of the driver, the vehicle basic information, the driving state information, and the mileage information of the driving vehicle recorded on the personal recording medium are recorded in the vehicle attached record corresponding to each driver. Record on media Information recording control means for controlling the transfer as described above, and measuring the mileage of the vehicle when the driver drives the vehicle with the personally-owned recording medium mounted on the vehicle, and records the measured mileage information in the personally-owned record. Traveling distance measuring means for controlling recording on the medium and the recording medium attached to the vehicle, and detecting the traveling state of the vehicle when the driver drives the vehicle with the personal recording medium attached to the vehicle, and detecting the detected traveling state Running state detecting means for recording the information on the personal recording medium and the recording medium attached to the vehicle, and personal basic information for each driver transferred from the personal recording medium to the recording medium attached to the vehicle by the driver information recording control means. Vehicle basic information of the driving vehicle for each driver, traveling state information for each driver, traveling distance information for each driver, vehicle basic information recorded on the recording medium attached to the vehicle, Personal basic information's traveling state information, and summarized in that and a premium calculation means for calculating the insurance premiums of insurance that enables operation of the predetermined vehicle based on the travel distance information to any driver.
[0018]
According to the present invention, when the driver drives the vehicle with the personal recording medium mounted on the vehicle, the driver basic information, the vehicle basic information, and the traveling state information recorded on the personal recording medium. The traveling distance information is recorded on the recording medium attached to the vehicle corresponding to each driver, and when the vehicle runs, the traveling distance of the vehicle is measured and recorded on the recording medium privately owned and the recording medium attached to the vehicle, and the traveling state of the vehicle is recorded. Is detected and recorded on the personal recording medium and the recording medium attached to the vehicle, and the personal basic information for each driver, the vehicle basic information, the traveling state information, the traveling distance, which are transferred from the personal recording medium to the recording medium attached to the vehicle and recorded. Information, basic vehicle information recorded on a recording medium attached to the vehicle, personal basic information of each driver, traveling state information, and insurance premiums that allow any driver to drive a given vehicle based on traveling distance information. Calculate Therefore, it is possible to calculate the optimal insurance premium suitable for the driver's driving skill and experience based on the driver information, vehicle information, driving condition, driving distance, etc. No accidents and non-violators and the drivers who have a long driving experience while driving every day but have no accidents and non-violations are accurately distinguished from differences in driving skills and experience, etc. Can be calculated.
[0019]
Further, according to a sixth aspect of the present invention, in the invention according to the fifth aspect, the personally-owned recording medium records mileage information for each mileage and cumulative total mileage information as the mileage information, The medium records, as the traveling distance information, the traveling distance information for each driver, the cumulative traveling distance information for each driver, and the total traveling distance information of all the drivers, and the traveling distance measuring means, as the traveling distance information, When the driver mounts the personal recording medium on the vehicle and drives the vehicle, the mileage of the vehicle is measured for each continuous driving of the driver, and the measured mileage information is stored in the personal recording medium. Is recorded as the mileage per run and on the recording medium attached to the vehicle as the mileage per driver's run, and the cumulative total mileage recorded on the personal recording medium with the measured mileage information. Means for controlling the driver to update the separation information and the accumulated mileage information and the total mileage information for each driver recorded on the recording medium attached to the vehicle, wherein the traveling state detecting means is owned by the driver. A driving environment condition detecting means for detecting a snow condition, a rain condition, and a driving condition including day and night when the vehicle is driven with the recording medium mounted on the vehicle, and a seat belt wearing condition, a number of airbag operations, a maximum Speed, average speed, maximum acceleration, number of rapid acceleration / deceleration, number of rapid braking, maximum lateral gravity, maximum lateral gravity, has actual running state detecting means for detecting a running state including the maximum longitudinal gravity, the personal basic information is a driver The gist shall include the date of birth, license acquisition date, drivable vehicle type, accident history / violation history, and the vehicle basic information shall include vehicle type information, displacement information, wheel drive information, and year information. .
[0020]
According to the present invention as set forth in claim 6, the traveling distance uses the traveling distance for each driver traveling, which is one continuous traveling of each driver, and the traveling state includes a snowfall state during traveling, a rainfall state, day and night, Using the seat belt wearing state, air bag operation number, maximum speed, average speed, maximum acceleration, sudden acceleration / deceleration number, sudden braking number, maximum lateral gravity, maximum longitudinal gravity, birth date, license as personal basic information Using the acquisition date, drivable vehicle type, accident history / violation history, and vehicle type information, displacement information, wheel drive information, and year information as basic vehicle information, the driver's driving skill It is possible to accurately acquire the information, experience, vehicle state, etc., and calculate the optimal insurance premium.
[0021]
According to a seventh aspect of the present invention, in the invention of the fifth or sixth aspect, the personally-owned recording medium has operating time information recording means for recording operating time information for each operation and cumulative total operating time information, The recording medium attached to the vehicle has a driving time information recording means for each driver for recording driving time information for each driver, cumulative driving time information for each driver, and total driving time information for all drivers, and calculating the insurance premium. The system measures the driving time of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle, as the driving time for each driver, for each continuous driving time of the driver, The measured driving time information for each driver operation is recorded in the personal recording medium and the recording medium attached to the vehicle, and the accumulated driving time information recorded in the personal recording medium for the measured driving time information for each driver operation is recorded. Operating time measuring means for controlling the total operating time information and the cumulative operating time information for each driver and the total operating time information for all drivers recorded in the recording medium attached to the vehicle; and The insurance means that the calculating means allows any driver to drive a predetermined vehicle in consideration of the driving time information for each driver, the cumulative driving time information for each driver, and the total driving time information for all drivers. The point is to have a driving time consideration means for calculating the fee.
[0022]
According to the present invention, the driving time per driver operation, the cumulative driving time per driver, and the total driving time are measured, and the driving time information per driver driving, the cumulative driving time per driver are measured. Since the insurance premium is calculated in consideration of the information and the total operation time information, the insurance premium can be calculated more accurately.
[0023]
According to an eighth aspect of the present invention, in the invention according to the sixth aspect, the traveling state information detected by the traveling state detecting means in the traveling is combined with the traveling distance for each traveling measured by the traveling distance measuring means. The vehicle-attached record is recorded on the personal-owned recording medium by combining the traveling state information detected by the traveling state detecting means in the traveling with the traveling distance information for each driver traveling measured by the traveling distance measuring means. The gist of the present invention is to have a running state recording control means for controlling the running distance for each running to control the recording to be performed on the medium.
[0024]
In the present invention according to claim 8, the combined information is used to combine the traveling state information with the traveling distance information for each driver's traveling and record the traveling state information on the privately owned recording medium and the recording medium attached to the vehicle. Thereby, the insurance premium can be calculated more accurately.
[0025]
Further, a ninth aspect of the present invention is the invention according to any one of the fifth to eighth aspects, wherein the recording medium attached to the vehicle is detachably mounted on the vehicle.
[0026]
According to the ninth aspect of the present invention, since the recording medium attached to the vehicle is detachably mounted on the vehicle, the recording medium attached to the vehicle is taken out of the vehicle and installed in, for example, an insurance company. By setting the information in the information acquisition means or the like, the information from the recording medium attached to the vehicle can be acquired and easily used for calculating an insurance premium.
[0027]
According to a tenth aspect of the present invention, in the invention according to any one of the first to ninth aspects, personal basic information of a driver, vehicle basic information of a driving vehicle, running state recorded in the personal property recording means. The gist of the present invention is to include a driver type determining unit that determines the type of a driver based on information including information and mileage information.
[0028]
According to the tenth aspect of the present invention, the driver's personal information based on the driver's personal basic information, the vehicle basic information of the driving vehicle, the driving state information, and the traveling distance information recorded in the personal possession recording means. In order to determine the type, for example, the type of a driver such as a good driver can be determined accurately.
[0029]
The present invention according to claim 11 is a vehicle insurance premium for calculating an insurance premium set for a predetermined driver individual to enable the driver to drive an arbitrary vehicle. A calculation method, in which the driver owns the personal information of the driver, the vehicle's basic information of the driving vehicle, and the driving state in a personal recording medium mounted on the vehicle and used when the driver drives the vehicle. Information, mileage information is recorded, vehicle basic information of the vehicle is recorded on the vehicle attached recording medium, and when the driver drives the vehicle with the personally owned recording medium attached to the vehicle, the information is recorded on the vehicle attached recording medium. Transfer control so that the vehicle basic information is recorded in the personal recording medium, the mileage of the vehicle is measured when the driver drives the vehicle with the personal recording medium mounted on the vehicle, and the measured distance is measured. Before mileage information Recorded in the personal recording medium, the driving state of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle is detected, and the detected driving state information is recorded in the personal recording medium. The basic insurance information recorded on the personally-owned recording medium and the basic insurance information of the driving vehicle, the driving state information, and the insurance premium for enabling the driving of any vehicle based on the driving distance information for each individual driver. The point is to calculate.
[0030]
According to the eleventh aspect of the present invention, when the driver drives the vehicle with the personally-owned recording medium mounted thereon, the vehicle basic information of the recording medium attached to the vehicle is transferred and recorded on the personally-owned recording medium. When traveling, the traveling distance of the vehicle is measured and recorded on a personal recording medium, the traveling state of the vehicle is detected and recorded on a personal recording medium, personal basic information recorded on the personal recording medium, the driving vehicle Driver information, vehicle information, running state, running distance, etc. to calculate insurance premiums that enable driving of any vehicle for each driver based on vehicle basic information, running state information, running distance information It is possible to calculate the optimal insurance premium that matches the driver's driving skill and experience based on the vehicle condition, etc., such as a paper driver who has almost no driving experience and has no accidents and no violations It is possible to calculate long while maintaining the driving experience is also no accident, an optimal insurance premiums to distinguish to apply sure the driver is a non-violation from differences in driving skills and experience.
[0031]
Further, according to a twelfth aspect of the present invention, in the invention according to the eleventh aspect, the personal recording medium records mileage information for each mileage and cumulative total mileage information as the mileage information, and the mileage measurement is performed. The process measures, as the mileage information, the mileage of the vehicle when the driver drives the vehicle with the personally-owned recording medium mounted on the vehicle, as the mileage for each mileage for each one continuous mileage. The travel state detection processing is performed by recording the travel distance information obtained by the travel on the personal recording medium and updating the accumulated total travel distance information recorded on the personal storage medium by the travel distance information. However, when the driver mounts the personal recording medium on the vehicle and drives the vehicle, the driving environment state detection processing for detecting a snowfall state, a rainfall state, and a driving state including day and night during driving, and The actual running state detection processing detects the running state including the seat belt wearing state, the number of air bag operations, the maximum speed, the average speed, the maximum acceleration, the number of sudden acceleration / deceleration, the number of sudden braking, the maximum lateral gravity, and the maximum longitudinal gravity. The personal basic information includes a driver's birth date, license acquisition date, drivable vehicle type, accident history / violation history, and the vehicle basic information includes vehicle type information, displacement information, wheel drive information. , Including the year information.
[0032]
According to the twelfth aspect of the present invention, the travel distance is a travel distance for each continuous run, and the travel state is a snowfall state, a rainy state, day and night, a seat belt wearing state, and an air condition. Using the number of back operations, maximum speed, average speed, maximum acceleration, rapid acceleration / deceleration times, rapid braking times, maximum lateral gravity, and maximum longitudinal gravity, personal birth date, license acquisition date, drivable vehicle type as basic personal information , Accident history, violation history, and vehicle type information, displacement information, wheel drive information, and year information as the basic vehicle information, the driver's driving skills, experience, vehicle condition, etc. Can be obtained accurately and the optimal insurance premium can be calculated.
[0033]
According to a thirteenth aspect of the present invention, in the invention according to the eleventh or twelfth aspect, the personally-owned recording medium records driving time information, driving time information for each driving, and cumulative total driving time information, and The driving time of the vehicle when the vehicle is driven with the recording medium attached to the vehicle is measured, and the measured driving time is controlled to be recorded on the personal recording medium, or the driver records the personal recording medium on the vehicle. The driving time of the vehicle when mounted and driving the vehicle is measured for each continuous driving time as the driving time for each driving, and the measured driving time information for each driving is recorded on the personal recording medium. Control is performed to update the accumulated total operating time information recorded on the personal recording medium with the measured operating time information per operation, and the insurance premium calculation process determines whether the operating time information or the operating And summarized in that with a driving time considering the process of calculating the insurance premium of the accumulated total operating time information time information even considering insurance that allows the driver each individual operation of the arbitrary vehicle.
[0034]
According to the present invention, the operating time information or the operating time information per operation and the cumulative total operating time information are measured, and the operating time information or the operating time information per operation and the cumulative total operating time information are also considered. Therefore, a more optimal insurance premium can be calculated.
[0035]
According to a fourteenth aspect of the present invention, in the twelfth aspect of the present invention, the traveling distance measuring processing includes the traveling state detecting means in the traveling with respect to each traveling distance information measured by the traveling distance measuring means. The present invention has a running distance recording control process for controlling the driving state information to be recorded on the personally-owned recording medium by combining the traveling state information detected in the above and the vehicle basic information of the driving vehicle recorded on the recording medium attached to the vehicle. And
[0036]
According to the present invention, since the traveling state information and the vehicle basic information are combined with the traveling distance information for each traveling and recorded on the personally owned recording medium, the combined information is used to provide insurance. The fee can be calculated more accurately.
[0037]
Further, the present invention according to claim 15 is a vehicle insurance premium calculation method for calculating insurance premiums set for a predetermined vehicle so as to allow any driver to drive a predetermined vehicle. When the driver owns and drives the vehicle, the personal information of the driver, the vehicle basic information of the driving vehicle, the driving state information, Record the distance information, record the vehicle basic information, the driver's personal basic information, the driving state information, and the mileage information on the recording medium attached to the vehicle attached to the vehicle. In driving the vehicle, the personal basic information of the driver, the vehicle basic information, the driving state information, and the mileage information of the driving vehicle recorded on the personal recording medium are recorded in the vehicle attached record corresponding to each driver. To record on the medium The transfer is controlled, the mileage of the vehicle when the driver drives the vehicle with the personal recording medium attached to the vehicle is measured, and the measured mileage information is recorded on the personal recording medium and the recording medium attached to the vehicle. Detecting a driving state of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle, recording the detected driving state on the personal recording medium and the recording medium attached to the vehicle, Information basic control information for each driver, which is transferred and recorded from the personal recording medium to the vehicle attached recording medium by the information recording control process, vehicle basic information of the driving vehicle for each driver, traveling state information for each driver, Driving distance information for each driver, as well as vehicle basic information recorded on the recording medium attached to the vehicle, personal basic information of each driver, driving state information, and driving of the predetermined vehicle based on the driving distance information. And it is required to calculate the insurance premiums that allows the rolling person.
[0038]
According to the present invention, when the driver drives the vehicle with the personal recording medium mounted on the vehicle, the driver basic information, the vehicle basic information, and the traveling state information recorded on the personal recording medium. The traveling distance information is recorded on the recording medium attached to the vehicle corresponding to each driver, and when the vehicle runs, the traveling distance of the vehicle is measured and recorded on the recording medium privately owned and the recording medium attached to the vehicle, and the traveling state of the vehicle is recorded. Is detected and recorded on the personal recording medium and the recording medium attached to the vehicle, and the personal basic information for each driver, the vehicle basic information, the traveling state information, the traveling distance, which are transferred from the personal recording medium to the recording medium attached to the vehicle and recorded. Information, basic vehicle information recorded on a recording medium attached to the vehicle, personal basic information of each driver, traveling state information, and insurance premiums that allow any driver to drive a given vehicle based on traveling distance information. Is calculated Therefore, it is possible to calculate the optimal insurance premium suitable for the driver's driving skills and experience based on the driver information, vehicle information, driving conditions, driving distance, etc., and to have almost the same driving experience as a paper driver, for example. No accidents and non-violators and the drivers who have a long driving experience while driving every day but have no accidents and non-violations are accurately distinguished from differences in driving skills and experience, etc. Can be calculated.
[0039]
According to a sixteenth aspect of the present invention, in the invention according to the fifteenth aspect, the personally-owned recording medium records mileage information for each mileage and cumulative total mileage information as the mileage information, Recording the mileage information of each driver as the mileage information, the accumulated mileage information of each driver, and the total mileage information of all the drivers, and the mileage measurement processing includes the driver as the mileage information. Measures the mileage of the vehicle when the driver drives the vehicle with the personal recording medium attached to the vehicle, for each continuous driving of the driver, and stores the measured mileage information in the personal recording medium. The total travel distance recorded on the personally owned recording medium with the measured travel distance information is recorded as each travel distance and on the recording medium attached to the vehicle as the driver's travel distance. The information and the cumulative mileage information for each driver and the total mileage information for each driver recorded in the recording medium attached to the vehicle are updated, and the driving state detection processing is performed when the driver attaches the personally owned recording medium to the vehicle. When driving the vehicle, it detects the snowfall state, the rainfall state, the running state including day and night, the running environment state detection processing, and the seatbelt wearing state, the number of airbag operations, the maximum speed, the average speed, the maximum acceleration, It has an actual running state detection process for detecting a running state including the number of times of rapid acceleration / deceleration, the number of times of sudden braking, the maximum lateral gravity, and the maximum longitudinal gravity, and the personal basic information includes a driver's birth date and a license acquisition date. The vehicle basic information includes vehicle type information, displacement information, wheel drive information, and year-type information.
[0040]
According to the present invention as set forth in claim 16, the traveling distance uses the traveling distance of each driver, which is one continuous traveling of each driver, and the traveling state includes a snowfall state during traveling, a rainfall state, day and night, Using the seat belt wearing state, air bag operation number, maximum speed, average speed, maximum acceleration, sudden acceleration / deceleration number, sudden braking number, maximum lateral gravity, maximum longitudinal gravity, birth date, license as personal basic information Using the acquisition date, drivable vehicle type, accident history / violation history, and vehicle type information, displacement information, wheel drive information, and year information as basic vehicle information, the driver's driving skill It is possible to accurately acquire the information, experience, vehicle state, etc., and calculate the optimal insurance premium.
[0041]
The invention according to claim 17 is the invention according to claim 15 or 16, wherein the personally-owned recording medium records driving-time information and cumulative total driving time information, and the vehicle-attached recording medium stores The driving time information for each driver, the cumulative driving time information for each driver, and the total driving time information for all drivers are recorded, and when the driver drives the vehicle with the personal recording medium mounted on the vehicle, The driving time is measured for each continuous driving time of the driver as the driving time for each driver driving, and the measured driving time information for each driver is stored in the personal recording medium as the driving time information for each driving. The vehicle-attached recording medium is recorded as driver-per-drive time information, and the measured total driver-time information is recorded in the personal recording medium with the measured driver-drive time information. And updating the cumulative driving time information for each driver and the total driving time information for all drivers recorded in the recording medium attached to the vehicle, and calculating the insurance premium, the driving time information for each driver driving, and the driving time information for each driver. The gist of the present invention is to calculate an insurance premium that allows any driver to drive the predetermined vehicle in consideration of the accumulated driving time information and the total driving time information of all drivers.
[0042]
According to the present invention as set forth in claim 17, the driving time per driver driving, the cumulative driving time per driver, and the total driving time are measured, and the driving time per driver driving information, the cumulative driving time per driver are measured. Since the insurance premium is calculated in consideration of the information and the total operation time information, the insurance premium can be calculated more accurately.
[0043]
Further, according to the present invention as set forth in claim 18, in the invention as set forth in claim 16, the traveling state information detected in the traveling state detection processing in the traveling with respect to each traveling distance of the driver measured in the traveling distance measurement processing And recording on the personal recording medium, and combining the per-driver traveling state information detected in the traveling state detection processing in the traveling with the per-driver traveling distance information measured in the traveling distance measurement processing. And recording on the vehicle-attached recording medium.
[0044]
According to the present invention as set forth in claim 18, in order to record the driving condition information for each driver with the driving distance information for each driver and record the information on the personal recording medium and the recording medium attached to the vehicle, the combined information is used. By using, the insurance premium can be calculated more accurately.
[0045]
According to a nineteenth aspect of the present invention, in the invention according to any one of the eleventh to eighteenth aspects, the personal basic information of the driver, the vehicle basic information of the driving vehicle, and the running state recorded in the personal property recording means. The gist is to determine the type of the driver based on the information including the information and the traveling distance information.
[0046]
According to the present invention described in claim 19, the driver's personal information based on the driver's personal basic information, the vehicle basic information of the driving vehicle, the traveling state information, and the traveling distance information recorded in the personal possession recording means. In order to determine the type, for example, the type of a driver such as a good driver can be determined accurately.
[0047]
According to a twentieth aspect of the present invention, a computer executes the insurance premium calculation method according to any one of the eleventh to nineteenth aspects as an insurance premium calculation program.
[0048]
According to the present invention as set forth in claim 20, the insurance premium calculation method according to any one of claims 11 to 19 is recorded as an insurance premium calculation program on a storage medium and executed by a computer. Can be used to enhance its distribution.
[0049]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing a partial configuration of a vehicle insurance premium calculation system according to one embodiment of the present invention.
[0050]
The insurance premium calculation system according to the embodiment shown in FIG. 1 is linked to a rotation speed meter and a mileage meter of a vehicle, and measures the mileage of the vehicle, and measures the mileage of the vehicle. Date and time collecting and measuring means 3 for collecting and measuring continuous driving time, running state monitoring means 5 for monitoring the state of the vehicle when it is running, and a vehicle which is detachably mounted on the vehicle and constitutes the recording medium attached to the vehicle of the present invention. Attached recording means 7, personally owned recording means 11 which is owned by the driver and which is used by the driver when driving the vehicle and which is mounted on the vehicle and used in the personally owned recording medium of the present invention; The information is collected from the means 1, the date and time collecting and measuring means 3, the traveling state monitoring means 5, the vehicle attached recording means 7, and the privately owned recording means 11 and recorded in the vehicle attached recording means 7 and the privately owned recording means 11. Having an information collection means 9.
[0051]
As shown in FIG. 2A, the insurance premium calculation system according to the embodiment shown in FIG. 1 uses a single driver to drive a plurality of (n) arbitrary vehicles. Is a system for calculating insurance premiums set for individual drivers.
[0052]
The personal possession recording means 11 stores the driver's license number, name, permanent address, address, date of birth, drivable vehicle type, that is, the type of license, the date of obtaining the license, the personal basic information including the history of accidents and violations. In addition, the vehicle basic information of the driving vehicle, the traveling state information, the traveling distance information, the cumulative total traveling distance information, the driving time information, and the cumulative total driving time information are recorded. The vehicle attachment recording means 7 records vehicle basic information including a manufacturer name, a vehicle name, a model number, a year information, a vehicle number, a vehicle type information, a displacement amount information, and wheel drive information of the vehicle.
[0053]
The mileage measuring means 1 constitutes the mileage measuring means of the present invention, and the mileage of the vehicle when the driver drives the vehicle with the personally owned recording means 11 attached to the vehicle is set as one mileage per run. Is measured for each continuous running of the vehicle, and the measured running distance information for each run is recorded in the personal property recording means 11 via the information collecting means 9 and is recorded in the personal property recording means 11 as the running distance information for each run. Control is performed so that the information collecting means 9 updates the cumulative total traveling distance information.
[0054]
The date and time collection and measurement means 3 collects and measures date and time information including a travel start date and time, a travel end date and time, a continuous travel time, and the like. More specifically, the date and time collecting and measuring means 3 constitutes the driving time measuring means of the present invention, and the driving time of the vehicle including the date and time information when the driver drives the vehicle with the personal possession recording means 11 mounted on the vehicle. Is measured for each continuous operation time as an operation time for each operation, and the measured operation time information for each operation is recorded in the personal possession recording means 11 via the information collecting means 9 and the measured operation time for each operation is recorded. Control is performed so that the information collecting means 9 updates the cumulative total operating time information recorded in the personal possession recording means 11 with the information.
[0055]
The running state monitoring means 5 monitors and detects, for example, the wearing state of the seat belt. The state of wearing the seat belt is important, for example, in determining the type of driver or determining the insurance premium, in that it is possible to know whether or not the insured person is in compliance with laws and regulations and is committed to safe driving. More specifically, the running state monitoring means 5 constitutes the running state detecting means of the present invention, and detects the running state of the vehicle when the driver drives the vehicle with the personally owned recording means 11 mounted on the vehicle, The detected traveling state information is controlled to be recorded in the personal possession recording means 11 via the information collecting means 9.
[0056]
More specifically, the traveling state monitoring unit 5 detects a snowfall state, a rainfall state, and a traveling state including day and night when the driver drives the vehicle with the personally owned recording unit 11 mounted on the vehicle. Environmental state detecting means, and detecting the running state including the seat belt wearing state, the number of air bag operations, the maximum speed, the average speed, the maximum acceleration, the number of sudden acceleration / deceleration, the number of sudden brakes, the maximum lateral gravity, and the maximum longitudinal gravity. It has an actual traveling state detecting means.
[0057]
As described above, the driving state information includes the driving environment information including the snowfall state, the rainfall state, day and night, and the seatbelt wearing when the driver drives the vehicle with the personal recording means 11 mounted on the vehicle. The information includes the actual traveling state information including the state, the number of air bag operations, the maximum speed, the average speed, the maximum acceleration, the number of sudden acceleration / deceleration, the number of sudden brakes, the maximum lateral gravity, and the maximum longitudinal gravity.
[0058]
Note that the personal possession recording means 11 records the traveling state information detected by the traveling state monitoring means 5 and the vehicle attached recording means 7 in the traveling with respect to the traveling distance information for each traveling measured by the traveling distance measuring means 1. The traveling distance recording control unit configured by the information collecting unit 9 may be controlled so that the vehicle basic information of the driving vehicle being combined is recorded in the personal possession recording unit 11.
[0059]
The information collecting means 9 records the vehicle basic information recorded on the vehicle attached recording medium 7 and the personal property recording means 11 when the driver drives the vehicle with the personal property recording means 11 mounted on the vehicle. Vehicle information recording control means for performing transfer control as described above.
[0060]
FIG. 3 is a block diagram showing a part of the insurance premium calculation system according to the embodiment shown in FIG. The insurance premium calculation system shown in FIG. 3 is recorded in a personal information acquisition unit 21 for acquiring information recorded in the personal possession recording unit 11 shown in FIG. 1, and is recorded in a vehicle attachment recording unit 7 shown in FIG. Vehicle information acquisition means 23 for acquiring information, and insurance premiums that enable driving of an arbitrary vehicle for each individual driver based on information recorded in personal information acquisition means 21 and vehicle information acquisition means 23. It comprises a non-life insurance premium calculating means 25 constituting the insurance premium calculating means of the present invention for calculating.
[0061]
The insurance premium calculation system shown in FIG. 3 is installed and used in, for example, a non-life insurance company or the Public Safety Commission. That is, the information recorded in the personal possession recording means 11 and the vehicle attached recording means 7 shown in FIG. 1 is transferred to the insurance premium calculation system of FIG. 3 and used. More specifically, the information recorded in the personal possession recording means 11 and the vehicle attached recording means 7 of FIG. 1 is transferred to the personal information acquisition means 21 and the vehicle information acquisition means 23 of the insurance premium calculation system of FIG. You.
[0062]
As a method of transferring the information recorded in the personal possession recording means 11 and the vehicle attached recording means 7 of FIG. 1 to the insurance premium calculation system of FIG. 1, for example, by using a wireless public line while the vehicle is running. Each time a predetermined time elapses, a predetermined travel distance is reached, each time the vehicle stops, or each time the engine of the vehicle stops, the information in the personal possession recording means 11 and the vehicle attached recording means 7 is the personal information shown in FIG. The information is transferred to the acquisition unit 21 and the vehicle information acquisition unit 23 and recorded.
[0063]
Further, as another transfer method, when the vehicle is not running, the driver brings the personal possession recording means 11 and the vehicle attachment recording means 7 to the report destination and related facilities of the report destination in accordance with a predetermined schedule. The personal information acquisition means 21 and the vehicle information acquisition means 23 of the insurance premium calculation system shown in FIG. The information of the means 7 is transferred and recorded to the personal information obtaining means 21 and the vehicle information obtaining means 23 of FIG. 3, respectively.
[0064]
As another transfer method, the personal information acquisition unit 21 and the vehicle information acquisition unit 23 of the insurance premium calculation system of FIG. By attaching the vehicle attachment recording means 7, the information of the personal possession recording means 11 and the vehicle attachment recording means 7 are transferred to the personal information acquisition means 21 and the vehicle information acquisition means 23 of FIG.
[0065]
The information transferred and recorded from the personal possession recording unit 11 to the personal information acquisition unit 21 includes personal basic information, vehicle basic information of the driving vehicle, traveling state information, traveling distance information, cumulative total traveling distance information, driving There are every driving time information and accumulated total driving time information, and the information transferred and recorded from the vehicle attached recording means 7 to the vehicle information obtaining means 23 includes vehicle type information, displacement information, and wheel drive information. This is vehicle basic information.
[0066]
The non-life insurance premium calculating means 25 includes the personal basic information transferred and recorded in the personal information acquiring means 21, the vehicle basic information of the driving vehicle, the driving state information, the driving distance information, the total running distance information, the total driving time information, and the driving time information. Based on the vehicle basic information including the vehicle type information, the displacement information, and the wheel drive information transferred and recorded in the cumulative total driving time information and the vehicle information obtaining means 23, the driver can drive any vehicle of a predetermined vehicle type level. Calculate the insurance premium that can be provided for each individual.
[0067]
Next, the operation of the insurance premium calculation system configured as described above, that is, in order to enable the driving of a plurality of arbitrary n vehicles to a given individual driver, The calculation processing of the insurance premium to be set will be described with reference to FIG.
[0068]
First, a predetermined driver who has contracted insurance of the insurance premium calculation system of the present embodiment, when driving an arbitrary vehicle, attaches the personal possession recording means 11 owned by the driver himself to the vehicle, and then mounts the vehicle on the vehicle. Start driving.
[0069]
In addition, the vehicle is provided with the vehicle-attached recording means 7, and the vehicle-attached recording means 7 includes the above-described vehicle basic information including vehicle type information, displacement information, wheel drive information, and the like. Is recorded, and when the driver starts driving the vehicle after attaching his / her own personal recording means 11 to the vehicle, the vehicle basic information recorded in the vehicle attached recording means 7 becomes as shown in FIG. Under the control of the information collecting means 9, the information is transferred and recorded to the personally owned recording means 11 via the information collecting means 9, whereby the driver's personally owned recording means 11 records basic vehicle information on what kind of vehicle was driven. Will be done.
[0070]
Next, when the driver drives the vehicle, the traveling distance measuring means 1 starts measuring the traveling distance of the vehicle sequentially, and the date and time collecting and measuring means 3 notifies the information collecting means 9 of the traveling start date and time when the driver has started traveling. At the same time, the driving time of the driver is started to be measured, and the driving state monitoring means 5 starts monitoring by monitoring the driving state of the vehicle by the driver, and collects the detected driving state information as shown in FIG. The information is sequentially recorded in the personal possession recording means 11 via the means 9. This process is always performed when the driver drives the vehicle.
[0071]
In addition, the mileage measuring means 1 uses the information collecting means 9 as a mileage information for each mileage, the mileage measured for each continuous mileage of the vehicle from the start to the end of the mileage. The accumulated total traveling distance information recorded in the personal possession recording means 11 is updated via the information collecting means 9 with the traveling distance information for each traveling. This process is repeatedly performed for each continuous running operation from the start of the running of the vehicle to the end of the running of the vehicle.
[0072]
In addition, the date / time collection / measurement unit 3 uses the information collection unit 9 as the operation time information for each operation, the operation time measured for each one continuous operation from the start to the end of the operation by the driver. While being recorded in the personal-owned recording means 11, the cumulative total operating time information recorded in the personal-owned recording means 11 is updated via the information collecting means 9 with the individual operating time information. This process is repeatedly performed for each continuous driving operation from the time when the driver starts driving the vehicle to the time when the driving ends.
[0073]
As described above, every time the driver drives and runs the vehicle, the traveling distance information, the driving time information, and the driving state information are recorded in the personal possession recording means 11 and recorded in the personal possession recording means 11, respectively. When the accumulated total mileage information and the accumulated total driving time information are updated, the personally-owned recording means 11 that records and updates the information is transmitted to the insurance company or the like as described above, for example, at the time of insurance contract or renewal of the vehicle. This is set in the personal information acquisition means 21 of the installed insurance premium calculation system shown in FIG. 3, and the insurance premium is calculated.
[0074]
The insurance premium calculation system shown in FIG. 3 is based on the personal basic information of the driver, the basic vehicle information of the driving vehicle, the mileage information of each driving, the driving time information of each driving, The traveling state information, the accumulated total traveling distance information, and the accumulated total traveling distance information are read and acquired, and these information are supplied to the non-life insurance premium calculating means 25.
[0075]
The non-life insurance premium calculating means 25 calculates these information, that is, personal basic information of the driver, vehicle basic information of the driving vehicle, mileage information of each driving, driving time information, driving state information, cumulative total mileage information, and cumulative total mileage information. Based on the total mileage information, an insurance premium that enables the predetermined driver to drive an arbitrary plurality of vehicles is calculated.
[0076]
In the calculation of the insurance premium, for example, the insurance premium is charged for each predetermined unit distance. That is, the final premium is calculated by multiplying the premium per unit distance by the distance actually traveled. As described below, the insurance premium per unit distance is based on the mileage, and the accident history / violation history, driving time, and driving state included in the driver's personal basic information are based on this mileage. It is calculated in combination.
[0077]
(1) Mileage vs. accident history / violation history
(2) Travel distance vs. driving time
(3) Running distance versus running state
In the first mileage vs. accident history / violation history, the longer the mileage, the smaller or lighter the accident history / violation history, the lower the premium per unit distance, the shorter the mileage, the shorter the accident distance / accident history The heavier or heavier, the higher the premium per unit distance.
[0078]
In the second traveling distance versus driving time, it is considered that the longer the traveling distance and the shorter the driving time, the higher the average speed. Therefore, the insurance premium per unit distance increases, the traveling distance is short, and the driving time is short. The longer, the lower the premium per unit distance.
[0079]
Further, in the third traveling distance versus traveling state, regardless of the length of the traveling distance, the worse the traveling state, the higher the insurance premium per unit distance, and if the traveling state is good, the longer the traveling distance, the longer the traveling distance. The lower the premium per unit distance.
[0080]
As described above, when calculating the insurance premium per unit distance in the combination of the three based on the traveling distance, the three combinations are performed for the vehicle types that the driver can drive. For example, if the driver has a first-class ordinary car, a first-class large-sized car, or a first-class towing license, the evaluation is performed using three combinations based on the distance of the ordinary car, Furthermore, the evaluation is performed using three combinations based on the distance in which the vehicle has been ridden by the heavy-duty vehicle, and the evaluation is performed using three combinations based on the distance in which the vehicle has been ridden in the first type. Generally, a license holder of a first-class motor vehicle is also capable of driving a moped motorcycle. Therefore, three combinations are also evaluated. Similarly, the evaluation of the three combinations for other types of vehicles that can be driven if they have acquired the first-class heavy vehicle and those that can be operated if they have acquired the first-class towed vehicle Become.
[0081]
As an example, as shown in FIG. 6, when the vehicle is actually driven by a first-class ordinary vehicle, a first-class large vehicle, and a first-class towing vehicle, the evaluation of the driving performance of each of the ordinary vehicle, the large-sized vehicle, and the towing is evaluated. Then, in the evaluation of the driving performance of ordinary vehicles, the actual distance traveled by ordinary vehicles is 400 km (= 250 + 150) in total, and the driving time is 8 hours (= 5 + 3). Since the test shows that a normal car can be driven, when evaluating the three combinations, a total distance of 550 km of a normal car 400 km, a large car 50 km, and a traction 100 km is used. Similarly, the driving time is 8 hours for a normal car, 1 hour for a large car, and 2 hours for towing, for a total of 11 hours. The three combinations are evaluated using the traveling distance and the driving time. However, it is assumed that the accident history, the violation history, and the traveling state do not change regardless of the type of the vehicle.
[0082]
Similarly, in the evaluation of the driving performance of large vehicles, the actual distance traveled by large vehicles is as follows: Although the total driving time is 50 km and the driving time is 1 hour, the driving of a large car is possible even with a towing license. Therefore, when evaluating the three combinations, a total distance of 150 km between a 50 km large car and 100 km towing is used. Similarly, for driving time, a total driving time of 3 hours of 1 hour for a large car and 2 hours for towing is used.
[0083]
Further, in the evaluation of the towing traveling results in the traveling of the ordinary vehicle, the large vehicle, and the towing vehicle shown in FIG. 6, the distance actually traveled by towing is 100 km in total. Since the driving time is 2 hours and other driver's licenses cannot be used for towing, only 100km of towing is used when evaluating three combinations, and only 2 hours of towing is used. .
[0084]
From the above evaluation results, for example, the insurance premium per nine unit distances as shown in FIG. 7 is calculated. It is assumed that the insurance premium per 1 km is calculated and the result shown in FIG. 7 is obtained. The numerical values in the table shown in FIG. 7 are input at random.
[0085]
By multiplying the obtained result by the actual traveling distance calculated in the example of FIG. 6 described above, the insurance premium is calculated as follows.
[0086]
The insurance premium for a regular car is 400 km x 10 + 400 x 2 + 400 x 3 = 6000, the insurance premium for a large car is 50 km x 3 + 50 km x 2 + 50 x 2 = 350, and the insurance premium for towing travel is 100 km x 5 + 100 km x 3 + 100 km. × 5 = 1300. The total of these insurance premiums is 7650, which is the premium paid by the driver to the insurance company.
[0087]
When driving a normal car, it is considered that only the driving skills necessary for driving a normal car are used.However, when driving a large car, advanced driving skills are required more than a normal car. It is considered that the driving skill necessary for a normal car is also used during driving of a large car, and this is used as the basis for calculating the insurance premium per unit distance by the above three combinations.
[0088]
Next, an insurance premium calculation system according to another embodiment of the present invention will be described with reference to FIG.
[0089]
As shown in FIG. 2 (b), the insurance premium calculation system according to the present embodiment employs an insurance policy that is set for a given vehicle so that a plurality of n drivers can drive the given vehicle. This is a system for calculating insurance premiums.
[0090]
The configuration of the insurance premium calculation system and the configuration and function of each component are basically the same as those shown in FIGS. 1 and 3. It comprises means 3, running state monitoring means 5, vehicle attached recording means 7, information collecting means 9, personal possession recording means 11, personal information acquiring means 21, vehicle information acquiring means 23, and non-life insurance premium calculating means 25. The flow of information here is different from that shown in FIG. 4 as shown between the information collecting means 9, the vehicle attached recording means 7 and the privately owned recording means 11 as shown in FIG. That is, in FIG. 4, each piece of information flows so as to be recorded in the personal possession recording means 11, but in FIG. 5, each piece of information flows so as to be recorded in the vehicle attached recording means 7.
[0091]
The operation of the premium calculation system of the present embodiment shown in FIG. 5, that is, calculation of insurance premiums set for a predetermined vehicle so that a plurality of n drivers can drive a predetermined vehicle The processing will be described.
[0092]
First, when a certain driver drives a predetermined vehicle for which insurance of the insurance premium calculation system according to the present embodiment is set by a contract, the personal possession recording means 11 owned by the driver himself is attached to the vehicle, and then the vehicle is mounted. Start driving.
[0093]
Further, the vehicle attached recording means 7 is already mounted on the predetermined vehicle, and the vehicle attached recording means 7 includes the vehicle type information, the displacement information, the wheel drive information, and the like of the vehicle of the vehicle. When the basic information is recorded and the driver starts driving the vehicle after attaching his / her own personal recording means 11 to the vehicle, the information of the driver recorded in the personal recording means 11, The driver's personal basic information and the vehicle basic information of each driving vehicle which is a record of the result of driving the various vehicles so far, the driving state information, the driving distance information, the driving time information, the cumulative As shown in FIG. 5, the total driving time information and the accumulated total mileage information are transferred and recorded to the vehicle attachment recording means 7 via the information collection means 9 under the control of the information collection means 9, whereby the vehicle attachment information is recorded. Information indicating what is the driver will be recorded with any operating history to the means 7. The process of transferring and recording the information from the personal possession recording means 11 to the vehicle attached recording means 7 at the start of the traveling of the vehicle is performed when various drivers start driving the predetermined vehicle. The recording is performed by the recording means 11, and the recording contents of the personally owned recording means 11 of various drivers are recorded in the vehicle attached recording means 7.
[0094]
The vehicle-attached recording means 7 stores, as a record of the result of the traveling of the predetermined vehicle with various drivers, basic vehicle information of the predetermined vehicle, and information on each driver who has driven the vehicle. Basic personal information, driving status information for each driver, driving distance information for each driver, cumulative driving distance information for each driver, driving time information for each driver, cumulative driving time information for each driver, and the total of all drivers Mileage information has already been recorded.
[0095]
Next, when the driver drives the vehicle, the traveling distance measuring means 1 starts measuring the traveling distance of the vehicle sequentially, and the date and time collecting and measuring means 3 notifies the information collecting means 9 of the traveling start date and time when the driver has started traveling. At the same time, the driving time of the driver is started to be measured, and the running state monitoring means 5 starts monitoring by monitoring the running state of the vehicle by the driver, and collects the detected running state information as shown in FIG. The information is sequentially recorded in the vehicle attached recording means 7 and the personal possession recording means 11 via the means 9. This process is performed every time the driver drives the vehicle and while the driver is driving the vehicle.
[0096]
In addition, the mileage measuring means 1 uses the information collecting means 9 as a mileage information for each mileage, the mileage measured for each continuous mileage of the vehicle from the start to the end of the mileage. Via the vehicle-attached recording means 7 and the personal-owned recording means 11 and the cumulative total mileage information for each driver and the total number of all the drivers recorded in the vehicle-attached recording means 7 with the mileage information per traveling. The traveling distance information is updated via the information collecting means 9. This process is repeatedly performed for each continuous running operation from the start of the running of the vehicle to the end of the running of the vehicle.
[0097]
Further, the date / time collection / measurement unit 3 uses the information collection unit 9 as an operation time information for each operation of the driver, the operation time measured for each one continuous operation from the start to the end of the operation by the driver. Via the vehicle-attached recording means 7 and the personal-owned recording means 11, and the cumulative driving time for each driver recorded in the vehicle-attached recording means 7 and the personal-owned recording means 11 based on the driving time information per driver operation. The information and the total operating time information of all the drivers are updated via the information collecting means 9. This process is repeatedly performed for each continuous driving operation from the time when the driver starts driving the vehicle to the time when the driving ends.
[0098]
As described above, every time the driver drives and drives the vehicle, the driving distance information, the driving time information, and the driving state information are recorded in the vehicle attached recording means 7 and the personal possession recording means 11, respectively. And the cumulative mileage information for each driver, the cumulative driving time information for each driver, the total mileage information for all drivers, and the total for all drivers, which are recorded in the vehicle-attached recording means 7 and the personal-owned recording means 11. When the driving time information is updated, the vehicle-attached recording means 7 that records and updates this information is, for example, the insurance premium shown in FIG. It is set in the vehicle information acquisition means 23 of the calculation system, and the insurance premium is calculated.
[0099]
The insurance premium calculation system of FIG. 3 reads out and acquires the information recorded in the vehicle attachment recording means 7 from the vehicle attachment recording means 7 set in the vehicle information acquisition means 23, and obtains the information. It is supplied to the calculating means 25.
[0100]
Specifically, the information read out from the vehicle-attached recording means 7 is transferred and recorded from the personal-owned recording means 11 of each driver to the vehicle-attached recording medium 7 at the start of driving of the vehicle by various drivers, as described above. Personal basic information for each driver, vehicle basic information of the driving vehicle for each driver, running state information for each driver, running distance information for each driver, and cumulative total running for each driver Distance information, vehicle basic information recorded on the recording medium 7 attached to the vehicle, personal basic information of each driver, driving state information for each driver, driving distance information for each driver driving, driving time information for each driver driving, driving It is the cumulative traveling distance information for each driver, the cumulative driving time information for each driver, the total traveling distance information for all drivers, and the total driving time information for all drivers.
[0101]
The non-life insurance premium calculating means 25 is an insurance premium for enabling an arbitrary plurality of drivers to drive the predetermined vehicle based on the information read from the vehicle attached recording means 7 by the vehicle information obtaining means 23. Is calculated. In the calculation of the insurance premium, for example, the charging of the insurance premium is performed for each predetermined unit distance as described with reference to FIGS. 6 and 7, but the details are the same, and the description is omitted.
[0102]
In the above embodiment, as shown in FIG. 2 (b), insurance of insurance set for a vehicle so that a plurality of n drivers can drive one predetermined vehicle. In the first embodiment described above, the fee calculation process is described. In the first embodiment described above, as shown in FIG. Although the calculation processing of the insurance premium set for the individual driver has been described so as to enable the above, by combining the two embodiments, it is possible to calculate a plurality of n drivers versus a plurality of n vehicles. Of course, it is also possible.
[0103]
Next, another embodiment of the present invention will be described with reference to FIG.
[0104]
The embodiment shown in FIG. 8 is one in which the system shown in FIG. 1 is applied as a driver type determination system for determining a driver type such as a superior driver in the Public Safety Commission by renewing a license, for example, The system having the configuration shown in FIG. 1 and the personally owned recording means 11 used in the system of FIG. 1 are used as they are, and the type of the driver, that is, the driver, is determined based on the information recorded in the personally owned recording means 11. Is determined as a good driver. The driver type determination system according to the present embodiment is installed in, for example, a public safety commission or an insurance company.
[0105]
That is, in the driver type determining system of the embodiment shown in FIG. 8, the personally owned recording means 11 which is the personally owned recording medium used in the system of FIG. Information, that is, the driver's personal basic information, the vehicle basic information of the driving vehicle, the mileage information per driving, the driving time information per driving, the driving state information, the cumulative total mileage information, and the cumulative total mileage information. 11 for reading and acquiring the same from the personal information acquiring unit 11, the personal basic information of the driver acquired by the personal information acquiring unit 21, the vehicle basic information of the driving vehicle, The driver is a good driver based on the mileage information per driving, the driving time information per driving, the driving state information, the cumulative total mileage information and the cumulative total mileage information. And a driver type determination means 31 for determining the driver type, such as whether or not.
[0106]
In the driver type determining system configured as described above, each driver, when driving the vehicle, has his or her own personal information recorded therein as described with reference to FIG. 11 is mounted on the vehicle, and then the driving of the vehicle is started. When the driving of the vehicle is started after the personal recording means 11 is mounted on the vehicle in this manner, various kinds of information at the time of driving, that is, the driving vehicle Various information such as vehicle basic information, travel distance information per drive, drive time information per drive, travel state information, cumulative total travel distance information and cumulative total travel distance information are stored in the personal possession recording means 11 by the system shown in FIG. Be recorded. Therefore, when each driver goes to the Public Safety Commission where the driver type determination system of FIG. 8 is installed, for example, for renewal of his / her license, and submits his / her own personal recording means 11, the Public Safety Commission will The personal possession recording means 11 is attached to the personal information acquisition means 21 of the driver type determination system shown in FIG.
[0107]
When the personal possession recording means 11 is attached, the personal information acquisition means 21 outputs various information of the driver recorded in the personal possession recording means 11, that is, the driver's license number, name, permanent address, address, Date of birth, date of license acquisition, type of license, date of license acquisition, personal basic information including accident history / violation history, vehicle basic information of the driving vehicle at the time the driver drove the vehicle, each run It reads and acquires various information such as distance information, driving time information for each driving, traveling state information, accumulated total traveling distance information and accumulated total traveling distance information, and acquires the acquired various information of the driver to the driver type determining means 31. To supply.
[0108]
The driver type determination unit 31 performs various types of information of the driver supplied from the personal information acquisition unit 21, that is, the driver's license number, name, permanent address, address, birth date, license acquisition date, license type, Personal basic information including license acquisition date, accident history and violation history, basic vehicle information of the driving vehicle when the driver drove the vehicle, mileage information per driving, driving time information per driving, driving state information Based on various information such as the accumulated total mileage information and the accumulated total mileage information, the driver type such as whether or not the driver is a good driver is determined.
[0109]
It should be noted that the setting of the driver type refers to all information recorded in the personal-owned recording means 11, but in addition to emphasizing the history of accidents / violations in particular, in addition to Information such as information, driving time information for each driving, traveling state information, accumulated total traveling distance information, and accumulated total traveling distance information are also regarded as important.
[0110]
Next, still another embodiment of the present invention will be described with reference to FIG. In the present embodiment, the concept of the system shown in FIG. 1 is applied to a driving license issuing system.
[0111]
The driver's license issuance system of the embodiment shown in FIG. 9 determines the type of driver and issues a license, for example, at a driver's license test site, a police station, or the like, by looking only at the driver's accident history and violation history. However, the driver type is determined more accurately by considering the driving performance of the driver in issuing such a license as a criterion for determining the driver type. The driving license issuing system obtains various information of each driver by using the personally owned recording means 11 which is the personally owned recording medium used in the embodiment of FIG.
[0112]
The driver's license issuing system of FIG. 9 is used in the system of FIG. 1, and acquires personal driving information of the driver from the personal possession recording unit 11 in which various information such as the driving information of the driver is recorded. Acquisition means 61, driver type determination criterion recording means 63 storing determination criteria for determining the driver type, personal basic information acquisition for obtaining an application form at the time of license renewal and personal basic information stored in a database Means 65, driver type determining means 67 for determining and outputting the driver type by comparing the driver's personal basic information and related information with the determination criteria, driver's personal basic information, face photograph data, grant date, etc. A driver's license issuing means 69 for issuing a driver's license based on related information, and acquires data of a photograph of the driver's face read by using a scanner or data obtained by photographing; And a facial photograph data acquisition unit 71, and acquires the date information to the date of issue a driver's license issuance date obtaining means 73.
[0113]
In the driver's license issuance system configured as described above, when the driver's license is issued, the driver's personal traveling information acquired by the individual traveling information acquiring unit 61 and the personal basic information acquired by the personal basic information acquiring unit 65 are acquired. When the driver's personal basic information is supplied to the driver type determining means 67, the driver type determining means 67 obtains the driver type determining criterion from the driver type determining criterion recording means 63, and outputs the driver's personal driving information. The information and personal basic information are collated with the criterion to determine the type of the driver. The determined type information of the driver is supplied to the driver license issuing means 69.
[0114]
Upon receiving the driver type information from the driver type determination unit 67, the driver license issuing unit 69 receives the driver's personal basic information from the personal basic information obtaining unit 65 and the driver's face from the face photo data obtaining unit 71. A license data is acquired from the issuance date acquisition means 73, and a license is created and issued based on the driver type information, the personal basic information, the face photograph data, and the license issuance date. In this case, the driver type information is printed on the display surface of the driver's license according to the format determined for each type, or is predetermined for each type if the driver's license has a recording function. The contents are recorded according to the specified format, whereby the driver type is given to the driver's license.
[0115]
Note that the processing procedure of the insurance premium calculation method of the above embodiment is recorded as a program on a recording medium such as a CD or FD, and this recording medium is incorporated in a computer system, or the program recorded on the recording medium is transmitted to a communication line. Of course, by downloading to a computer system or installing from a recording medium via a computer, and operating the computer system with the program, it is of course possible to function as an insurance premium calculation system for implementing an insurance premium calculation method, By using such a recording medium, it is possible to enhance the circulation.
[0116]
【The invention's effect】
As described above, according to the present invention, when a driver mounts and drives a personal recording medium on a vehicle, the vehicle basic information of the recording medium attached to the vehicle is transferred and recorded on the personal recording medium, and the vehicle is When traveling, the traveling distance of the vehicle is measured and recorded on a personal recording medium, the traveling state of the vehicle is detected and recorded on a personal recording medium, personal basic information recorded on the personal recording medium, the driving vehicle Based on the vehicle basic information, traveling state information, and traveling distance information, the insurance premium that enables driving of any vehicle for each individual driver is calculated, so that driver information, vehicle information, traveling state, traveling distance, etc. It is possible to calculate the optimal insurance premium that matches the driver's driving skill and experience based on the vehicle condition, etc., and for example, with a driver who has little driving experience like a paper driver and has no accidents and no violations, actually drives daily While having a long operation experience Te can also accident-free, to calculate the optimal insurance premiums to distinguish to apply sure the driver is a non-violation from differences in driving skills and experience.
[0117]
Also, according to the present invention, the travel distance is a travel distance for each run that is one continuous run, and the travel state is a snowfall state during a run, a rainy state, day and night, a seat belt wearing state, the number of air bag operations, The maximum speed, average speed, maximum acceleration, rapid acceleration / deceleration times, rapid braking times, maximum lateral gravity, and maximum longitudinal gravity are used, so the driver's driving skills, experience, vehicle condition, etc. can be accurately determined based on this information. To obtain the optimal insurance premium.
[0118]
Further, according to the present invention, the operating time information or the operating time information per operation and the cumulative total operating time information are also measured, and the insurance premium is calculated in consideration of the operating time information or the operating time information per operation and the cumulative total operating time information. Since it is calculated, a more optimal insurance premium can be calculated.
[0119]
According to the present invention, the traveling state information and the vehicle basic information are combined with the traveling distance information for each traveling and recorded on the personally owned recording medium. Therefore, by using this combined information, the insurance premium can be more accurately adjusted. Can be calculated.
[0120]
According to the present invention, when the driver drives the vehicle with the personal recording medium mounted on the vehicle, the driver basic information, the vehicle basic information, the traveling state information, and the traveling distance information recorded on the personal recording medium. Is recorded on the recording medium attached to the vehicle corresponding to each driver, and when the vehicle travels, the traveling distance and running state of the vehicle are detected and recorded on the private recording medium and the recording medium attached to the vehicle. Personal basic information for each driver transferred and recorded on the attached recording medium, vehicle basic information, running state information, mileage information, and vehicle basic information recorded on the vehicle attached recording medium, personal basic information of each driver, Based on the traveling state information and the traveling distance information, an insurance premium that enables an arbitrary driver to drive a predetermined vehicle is calculated, so that the driver's information based on the driver information, the vehicle information, the traveling state, the traveling distance, etc. Calculates the optimal insurance premium that matches the driving skills, experience, vehicle condition, etc.For example, like a paper driver, there is almost no driving experience and there is no accident, no driving violation Also, it is possible to calculate an optimal insurance premium by properly distinguishing a driver who has no accident or no violation from a difference in driving skills and experience.
[0121]
Furthermore, according to the present invention, the travel distance is the travel distance of each driver, which is one continuous travel of each driver, and the traveling state is a snowfall state, a rainfall state, day and night, and a seat belt wearing state during traveling. Using the number of airbag operations, maximum speed, average speed, maximum acceleration, rapid acceleration / deceleration times, rapid braking times, maximum lateral gravity, and maximum longitudinal gravity, personal birth date, license acquisition date, driving The vehicle type information, displacement information, wheel drive information, and year information are used as the vehicle basic information using possible vehicle types, accident histories / violation histories, so the driver's driving skills and experience, vehicle It is possible to accurately acquire the state and the like and calculate the optimal insurance premium.
[0122]
According to the present invention, the driving time per driver operation, the cumulative driving time per driver, and the total driving time are measured, and the driving time information per driver driving, the cumulative driving time information per driver, and the total driving time information are measured. The insurance premium is calculated in consideration of the above, so that the insurance premium can be calculated more accurately.
[0123]
Further, according to the present invention, since the per-driver traveling state information is combined with the per-driver traveling distance information and recorded on the privately owned recording medium and the recording medium attached to the vehicle, the combined information is used. The insurance premium can be calculated more accurately.
[0124]
Further, according to the present invention, the recording medium attached to the vehicle is removably mounted to the vehicle. Therefore, the recording medium attached to the vehicle is taken out of the vehicle and, for example, vehicle information acquisition means installed in an insurance company or the like. , The information from the recording medium attached to the vehicle is acquired, and can be easily used for calculating insurance premiums and the like.
[0125]
According to the present invention, the type of the driver is determined based on the information including the driver's personal basic information, the driving vehicle's basic information, the driving state information, and the driving distance information recorded in the personal possession recording means. For example, the type of a driver such as a good driver can be determined accurately.
[0126]
Further, according to the present invention, since the insurance premium calculation method according to any one of claims 11 to 19 is executed as a premium calculation program by, for example, a computer recorded on a recording medium or the like, the recording medium can be used. , And its distribution can be improved.
[Brief description of the drawings]
FIG.
It is a block diagram showing composition of an insurance premium calculation system concerning one embodiment of the present invention.
FIG. 2
In the insurance premium calculation system of the embodiment shown in FIG. 1, a plurality of arbitrary vehicles can be driven by a predetermined one driver, and a predetermined single vehicle can be driven by a plurality of arbitrary drivers. It is explanatory drawing which shows calculation of the insurance premium of insurance.
FIG. 3
It is a block diagram which comprises a part of insurance premium calculation system of the embodiment shown in FIG.
FIG. 4
FIG. 9 is an explanatory diagram showing a flow of information in an insurance premium calculation process that enables a predetermined one driver to drive a plurality of arbitrary vehicles as an operation of the insurance premium calculation system of the embodiment shown in FIG. 1. is there.
FIG. 5
Description showing the flow of information in insurance premium calculation processing for enabling a plurality of arbitrary drivers to drive a single predetermined vehicle as an operation of the premium calculation system according to another embodiment of the present invention. FIG.
FIG. 6
It is a figure which shows the driving | running | working distance and driving | running | working time for evaluating the driving | running | working performance in each case when driving | running | working by the 1st type of a normal motor vehicle, the 1st type of a large vehicle, and the 1st type of towing.
FIG. 7
7 is a table for calculating the mileage versus accident history / violation history, mileage vs. driving time, and mileage vs. insurance premium per unit distance in the running state for the ordinary car, the large car, and towing shown in FIG. 6.
FIG. 8
FIG. 6 is a block diagram illustrating a configuration of a driver type determination system according to another embodiment of the present invention.
FIG. 9
It is a block diagram showing composition of a driver's license issue system concerning yet another embodiment of the present invention.
[Explanation of symbols]
1 mileage measuring means
3. Date and time measurement
5 Running condition monitoring means
7 Vehicle attachment recording means
9 Information collection means
11 Personal possession recording means
21 Personal information acquisition means
23 Vehicle information acquisition means
25 Non-life insurance premium calculation means
31 Driver type determination means

Claims

An insurance premium calculation system for a vehicle that calculates insurance premiums set for an individual driver so as to enable driving of an arbitrary vehicle for a predetermined driver individual,
Personally owned records that are owned by the driver and used by being mounted on the vehicle when the driver drives the vehicle, and recording the driver's personal basic information, the vehicle's basic information, the driving state information, and the mileage information of the driving vehicle. Medium,
A recording medium attached to a vehicle for recording vehicle basic information of the vehicle,
Vehicle information recording control in which the driver transfers the vehicle basic information recorded on the vehicle-attached recording medium to the personal recording medium when the driver drives the vehicle with the personal recording medium attached to the vehicle. Means,
A driving distance measuring means for measuring a traveling distance of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle, and controlling the measured traveling distance information to be recorded on the personal recording medium; ,
Traveling state detecting means for detecting a traveling state of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle, and controlling to record the detected traveling state information in the personal recording medium; When,
Based on the personal basic information, the basic vehicle information of the driving vehicle, the traveling state information, and the traveling distance information recorded on the personal recording medium, an insurance premium for enabling the driving of any vehicle for each individual driver is calculated. An insurance premium calculation system for a vehicle, comprising: insurance premium calculation means.

The personally-owned recording medium records mileage information for each mileage and cumulative total mileage information as the mileage information,
The mileage measuring means measures the mileage of the vehicle as the mileage information for each continuous mileage as a mileage per trip when the driver drives the vehicle with the personal recording medium mounted on the vehicle. Means for recording the measured travel distance information per run on the personal recording medium and controlling the cumulative total travel distance information recorded on the personal storage medium with the travel distance information per run. Have
The traveling state detecting means, a driving environment state detecting means for detecting a snowfall state, a rainfall state, a traveling state including day and night when the driver drives the vehicle with the personal recording medium mounted on the vehicle, And actual running state detecting means for detecting the running state including the seat belt wearing state, the number of airbag operations, the maximum speed, the average speed, the maximum acceleration, the number of sudden acceleration / deceleration, the number of sudden braking, the maximum lateral gravity, and the maximum longitudinal gravity. The personal basic information includes a driver's birth date, license acquisition date, drivable vehicle type, accident history / violation history,
The vehicle premium calculation system according to claim 1, wherein the vehicle basic information includes vehicle type information, displacement information, wheel drive information, and year information.

The privately owned recording medium has driving time information recording means for recording driving time information or driving time information per driving and cumulative total driving time information,
The insurance premium calculation system measures the driving time of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle, and controls the measured driving time to record the measured driving time on the personal recording medium. Alternatively, the driving time of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle is measured for each continuous driving time as the driving time for each driving, and the measured driving time information for each driving is obtained. And the operating time measuring means for controlling to update the accumulated total operating time information recorded in the personally owned recording medium with the measured operating time information for each operation,
The insurance premium calculating means calculates an insurance premium for enabling the driving of the arbitrary vehicle for each driver in consideration of the driving time information or the driving time information for each driving and the cumulative total driving time information. 3. The vehicle insurance premium calculation system according to claim 1, further comprising a time consideration unit.

The traveling distance measuring means includes: traveling state information detected by the traveling state detecting means in the traveling with respect to traveling distance information measured by the traveling distance measuring means; and a driving vehicle recorded in the vehicle attached recording medium. 3. The vehicle insurance premium calculation system according to claim 2, further comprising a traveling state recording control means for controlling the traveling distance corresponding to each traveling distance to control the recording in the personal recording medium by combining the basic information of the vehicle and the vehicle basic information.

An insurance premium calculation system for a vehicle that calculates an insurance premium set for the predetermined vehicle to enable an arbitrary driver to drive the predetermined vehicle,
Personally owned records that are owned by the driver and used by being mounted on the vehicle when the driver drives the vehicle, and recording the driver's personal basic information, the vehicle's basic information, the driving state information, and the mileage information of the driving vehicle. Medium,
A recording medium attached to the vehicle, which is attached to the vehicle and records vehicle basic information, personal basic information of the driver, traveling state information, and traveling distance information.
When the driver drives the vehicle with the personal recording medium mounted on the vehicle, the personal basic information of the driver, the vehicle basic information, the driving state information, and the traveling distance information of the driver recorded on the personal recording medium. Driver information recording control means for transfer control so as to record on the vehicle attached recording medium corresponding to each driver,
A travel which measures the traveling distance of the vehicle when the driver drives the vehicle with the personally-owned recording medium attached to the vehicle, and controls the recorded traveling distance information to be recorded on the personally-owned recording medium and the recording medium attached to the vehicle. Distance measuring means;
Traveling state detecting means for detecting a traveling state of the vehicle when the driver drives the vehicle with the personal recording medium attached to the vehicle, and recording the detected traveling state on the personal recording medium and the recording medium attached to the vehicle; ,
Personal basic information for each driver, vehicle basic information of the driving vehicle for each driver, traveling for each driver, which is transferred from the personal recording medium to the recording medium attached to the vehicle by the driver information recording control means. State information, mileage information for each driver, and vehicle basic information recorded on the vehicle attached recording medium, personal basic information of each driver, running state information, driving the predetermined vehicle based on mileage information. An insurance premium calculating means for calculating an insurance premium available to any driver.

The personally-owned recording medium records mileage information for each mileage and cumulative total mileage information as the mileage information,
The vehicle-attached recording medium records the mileage information for each driver as the mileage information, the accumulated mileage information for each driver, and the total mileage information for all drivers.
The mileage measuring means measures, as the mileage information, the mileage of the vehicle when the driver drives the vehicle with the personally-owned recording medium mounted on the vehicle, for each continuous driving of the driver. The measured mileage information is recorded as the mileage per run on the privately owned recording medium and as the mileage per driver travel on the vehicle-attached recording medium, and the measured mileage information is recorded on the personally owned recording medium. Means for controlling to update the cumulative total mileage information and the total mileage information for each driver recorded in the cumulative total mileage information recorded and the vehicle attached recording medium,
The traveling state detecting means, a driving environment state detecting means for detecting a snowfall state, a rainfall state, a traveling state including day and night when the driver drives the vehicle with the personal recording medium mounted on the vehicle, And actual running state detecting means for detecting the running state including the seat belt wearing state, the number of airbag operations, the maximum speed, the average speed, the maximum acceleration, the number of sudden acceleration / deceleration, the number of sudden braking, the maximum lateral gravity, and the maximum longitudinal gravity. The personal basic information includes a driver's birth date, license acquisition date, drivable vehicle type, accident history / violation history,
The vehicle premium calculation system according to claim 5, wherein the vehicle basic information includes vehicle type information, displacement information, wheel drive information, and year information.

The privately-owned recording medium has driving time information recording means for recording driving time information for each driving and cumulative total driving time information,
The vehicle-attached recording medium has driver-specific driving time information recording means for recording driver-specific driving time information, cumulative driving time information for each driver, and total driving time information for all drivers.
This premium calculation system
The driving time of the vehicle when the driver mounts the personal recording medium on the vehicle and drives the vehicle is measured as each driving time of the driver for each continuous driving time of the driver, and the measured driving time is measured. The driving time information for each driver is recorded on the personal recording medium and the recording medium attached to the vehicle, and the measured total driving time information recorded on the personal recording medium with the driving time information for each driver and Driving time measuring means for controlling to update the cumulative driving time information for each driver and the total driving time information for all drivers recorded in the vehicle attached recording medium,
The insurance premium calculating means enables a given driver to drive a predetermined vehicle in consideration of driving time information for each driver, cumulative driving time information for each driver, and total driving time information for all drivers. 7. The vehicle insurance premium calculation system according to claim 5, further comprising a driving time consideration unit for calculating an insurance premium.

The traveling distance measured by the traveling distance measuring means was combined with the traveling state information detected by the traveling state detecting means in the traveling and recorded on the personal recording medium, and measured by the traveling distance measuring means. A driving state recording control means corresponding to each driving distance for controlling the driving distance in combination with the driving state information detected by the driving state detecting means in the driving with respect to the driving distance for each driving; The vehicle insurance premium calculation system according to claim 6, wherein:

The insurance premium calculation system for a vehicle according to any one of claims 5 to 8, wherein the recording medium attached to the vehicle is detachably attached to the vehicle.

A driver type determining unit that determines a type of the driver based on information including the driver's personal basic information, the driving vehicle's basic information, the driving state information, and the driving distance information recorded in the personal possession recording unit. The vehicle insurance premium calculation system according to any one of claims 1 to 9, wherein:

An insurance premium calculation method for a vehicle that calculates an insurance premium set for an individual driver so as to enable driving of an arbitrary vehicle for a predetermined driver individual,
When the driver owns and drives the vehicle, the personal basic information of the driver, the vehicle basic information of the driving vehicle, the traveling state information, and the traveling distance information are stored in a personally-owned recording medium mounted on the vehicle and used. Record
Record the vehicle basic information of the vehicle on the recording medium attached to the vehicle,
When the driver mounts the personal recording medium on the vehicle and drives the vehicle, transfer control is performed so that the vehicle basic information recorded on the vehicle attached recording medium is recorded on the personal recording medium,
The driver measures the mileage of the vehicle when driving the vehicle with the personal recording medium attached to the vehicle, and records the measured mileage information in the personal recording medium,
The driver detects the traveling state of the vehicle when driving the vehicle with the personal recording medium attached to the vehicle, and records the detected traveling state information on the personal recording medium,
Calculate insurance premiums that enable individual drivers to drive any vehicle based on personal basic information recorded on the personally owned recording medium and vehicle basic information, driving state information, and driving distance information of the driving vehicle. A method of calculating insurance premiums for vehicles.

The personally-owned recording medium records mileage information for each mileage and cumulative total mileage information as the mileage information,
The mileage measurement process measures, as the mileage information, the mileage of the vehicle when the driver drives the vehicle with the personally-owned recording medium mounted on the vehicle as the mileage for each mileage for each one continuous mileage. Then, control is performed to record the measured travel distance information for each run on the personal recording medium and to update the cumulative total travel distance information recorded on the personal ownership recording medium with the travel distance information for each run.
The traveling state detection process is a traveling environment state detection process for detecting a traveling state including a snowfall state, a rainfall state, day and night when the driver drives the vehicle with the personal recording medium mounted on the vehicle, Actual running state detection processing that detects the running state including the seat belt wearing state, the number of air bag operations, the maximum speed, the average speed, the maximum acceleration, the number of sudden acceleration / deceleration, the number of sudden braking, the maximum lateral gravity, and the maximum longitudinal gravity The personal basic information includes a driver's birth date, license acquisition date, drivable vehicle type, accident history / violation history,
The insurance premium calculation method for a vehicle according to claim 11, wherein the vehicle basic information includes vehicle type information, displacement information, wheel drive information, and year information.

The personal recording medium records driving time information or driving time information per driving and cumulative total driving time information,
The driving time of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle is measured, and the measured driving time is controlled so as to be recorded on the personal recording medium, or the driver controls the driving time of the vehicle. The driving time of the vehicle when the recording medium is mounted on the vehicle and the vehicle is driven is measured for each continuous driving time as the driving time for each driving, and the measured driving time information for each driving is stored in the personal recording medium. Record and control to update the cumulative total operating time information recorded in the personally owned recording medium with the measured operating time information for each operation,
The insurance premium calculation process calculates an insurance premium that enables driving of the arbitrary vehicle for each individual driver in consideration of driving time information or driving time information per driving and the cumulative total driving time information. 13. The insurance premium calculation method for a vehicle according to claim 11, further comprising a time consideration process.

The traveling distance measurement process includes the traveling state information detected by the traveling state detection unit in the traveling with respect to the traveling distance information measured by the traveling distance measurement unit, and the driving vehicle recorded in the vehicle attached recording medium. 13. The vehicle insurance premium calculation method according to claim 12, further comprising a mileage recording control process for each run, in which the vehicle basic information is combined and controlled to record the information on the personal recording medium.

An insurance premium calculation method for a vehicle, which calculates an insurance premium set for the predetermined vehicle so as to allow any driver to drive the predetermined vehicle,
When the driver owns and drives the vehicle, the personal basic information of the driver, the vehicle basic information of the driving vehicle, the traveling state information, and the traveling distance information are stored in a personally-owned recording medium mounted on the vehicle and used. Record
Record the vehicle basic information, the driver's personal basic information, the driving state information, and the mileage information on the recording medium attached to the vehicle,
When the driver drives the vehicle with the personal recording medium mounted on the vehicle, the driver's personal basic information, the vehicle basic information, the driving state information, and the traveling distance information of the driving vehicle recorded on the personal recording medium. Transfer control to be recorded in the vehicle attached recording medium corresponding to each driver,
The driver measures the mileage of the vehicle when driving the vehicle with the personal recording medium attached to the vehicle, and records the measured mileage information on the personal recording medium and the recording medium attached to the vehicle,
The driving state of the vehicle when the driver drives the vehicle with the personal recording medium mounted on the vehicle is detected, and the detected driving state is recorded on the personal recording medium and the recording medium attached to the vehicle.
The personal information of each driver, the vehicle basic information of the driving vehicle of each driver, the driving of each driver, which is transferred and recorded from the personal recording medium to the recording medium attached to the vehicle by the driver information recording control process. State information, mileage information for each driver, and vehicle basic information recorded on the vehicle attached recording medium, personal basic information of each driver, running state information, driving the predetermined vehicle based on mileage information. A method of calculating insurance premiums for a vehicle, comprising calculating an insurance premium that can be provided to any driver.

The personally-owned recording medium records mileage information for each mileage and cumulative total mileage information as the mileage information,
The vehicle-attached recording medium records the mileage information for each driver as the mileage information, the accumulated mileage information for each driver, and the total mileage information for all drivers.
The mileage measuring process measures the mileage of the vehicle when the driver drives the vehicle with the personally-owned recording medium attached to the vehicle as the mileage information for each continuous driving of the driver. The measured mileage information is recorded as the mileage per run on the privately owned recording medium and as the mileage per driver travel on the vehicle-attached recording medium, and the measured mileage information is recorded on the personally owned recording medium. Update the cumulative total traveling distance information and the cumulative traveling distance information and the total traveling distance information for each driver recorded on the recording medium attached to the vehicle,
The traveling state detection process is a traveling environment state detection process for detecting a traveling state including a snowfall state, a rainfall state, day and night when the driver drives the vehicle with the personal recording medium mounted on the vehicle, Actual running state detection processing that detects the running state including the seat belt wearing state, the number of air bag operations, the maximum speed, the average speed, the maximum acceleration, the number of sudden acceleration / deceleration, the number of sudden braking, the maximum lateral gravity, and the maximum longitudinal gravity The personal basic information includes a driver's birth date, license acquisition date, drivable vehicle type, accident history / violation history,
The vehicle insurance premium calculation method according to claim 15, wherein the vehicle basic information includes vehicle type information, displacement information, wheel drive information, and year information.

The privately owned recording medium records the operation time information for each operation and the cumulative total operation time information,
The vehicle-attached recording medium records driving time information for each driver, cumulative driving time information for each driver, and total driving time information for all drivers.
The driving time of the vehicle when the driver mounts the personally owned recording medium on the vehicle and drives the vehicle is measured as the driving time for each driving of the driver for each continuous driving time of the driver. The driving time information per driver is recorded as the driving time information per driving on the personal recording medium and the driving time information per driver driving on the recording medium attached to the vehicle. Update the cumulative total operating time information recorded in the personal recording medium and the cumulative operating time information for each driver and the total operating time information of all the drivers recorded in the vehicle attached recording medium,
The insurance premium calculation process is capable of driving the predetermined vehicle to any driver in consideration of driving time information for each driver, cumulative driving time information for each driver, and total driving time information for all drivers. The insurance premium calculation method for a vehicle according to claim 15, wherein the insurance premium to be calculated is calculated.

In combination with the traveling state information detected in the traveling state detection processing in the traveling with respect to the distance traveled by the driver measured in the traveling distance measurement processing, the traveling state information is recorded in the personally owned recording medium, and the traveling distance measurement processing is performed. 17. The vehicle-mounted recording medium according to claim 16, wherein the measured driving distance information for each driver is combined with the driving state information for each driver detected by the driving state detection process in the driving in the driving. How to calculate insurance premiums for vehicles.

The type of the driver is determined based on information including a driver's personal basic information, a driving vehicle's basic information, a driving state information, and a driving distance information recorded in the personal possession recording means. 19. The insurance premium calculation method for a vehicle according to any one of 11 to 18.

An insurance premium calculation program executable by a computer for causing the computer to execute the insurance premium calculation method according to any one of claims 11 to 19.