JP2005100212A - Insurance system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To set the insurance premium of insurance to the rational amount of money corresponding to the risk of theft by deciding an insurance rate of the insurance whose insurance is payed for the theft of an vehicle according to location information of the parked vehicle. <P>SOLUTION: This insurance system is provided with an on-vehicle device 28 for transmitting the current location of a vehicle, a server having an insurance rate database 14 in which the data of an insurance rate corresponding to the current location of the parked vehicle are stored, an insurance rate calculation processing part 23 for calculating the insurance rate of the vehicle by performing access to the insurance rate database 14 based on the current location of the vehicle and an insurance contract processing part 24 for deciding insurance contents based on the calculated insurance rate and a portable terminal 29 for returning the notification of subscription in the insurance of the insurance content received from the server to the server. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an insurance system.

  Conventionally, an insurance system has been proposed that can track a stolen vehicle by using a current position detection device disposed in a navigation device or the like mounted on a vehicle such as an automobile (for example, Patent Documents). 1). In this case, the current position detecting device automatically transmits a signal indicating the current position of the vehicle detected by a GPS (Global Positioning System) signal receiving device or the like, and tracks the vehicle at the management center that has received the signal. Then, it is now reported to the relevant administrative agencies such as the police.

This facilitates the collection of vehicles that have been stolen, and can reduce the amount of insurance money paid by the insurance company, so vehicle insurance, theft insurance, etc. paid by the insured such as the vehicle owner Insurance premiums can be reduced.
JP-A-2001-344695

  However, in the conventional insurance system, the insurance premium rate is set regardless of the area where the vehicle was stolen, so the area where the risk of theft is low, such as in the suburbs The premium paid by the insured residing in the city is higher than the premium paid by the insured residing in an area considered to have a high risk of theft such as in a large city.

  In general, even when a stolen vehicle is recovered, the key is forcibly opened or the window glass is damaged, so a repair fee or repair cost for the vehicle is required. The amount of insurance payment will be high. Therefore, insurance premiums such as vehicle insurance and anti-theft insurance paid by insured persons such as vehicle owners are expensive compared to other insurance, so it is required to reduce insurance premiums as much as possible. Yes.

  By the way, it is known that there is a regional difference in the probability of the vehicle being stolen. For example, the probability of vehicle theft occurring in the suburbs is relatively low, and the probability of vehicle theft occurring in large cities is relatively high. Moreover, in a busy shopping area where restaurants and the like are concentrated, the probability of vehicle theft occurring is quite high, and even when parking for a short time, the vehicle may be stolen. However, in the conventional insurance system, it is not considered that there is a regional difference in the probability that the vehicle will be stolen, so the insured person such as the owner of the vehicle must pay a high premium uniformly. there were.

  The present invention solves the problems of the conventional insurance system, and determines the insurance premium rate of insurance paid for insurance against theft of the vehicle based on the location information of the parked vehicle, It is an object of the present invention to provide an insurance system capable of setting the insurance premium of the insurance to a reasonable amount according to the risk of theft.

  Therefore, in the insurance system of the present invention, an in-vehicle device that transmits the current position of the vehicle, an insurance rate database that stores data of an insurance rate corresponding to the current position of the parked vehicle, and the current position of the vehicle A premium rate calculation processing unit that accesses the premium rate database to calculate the premium rate of the vehicle, and a server that includes an insurance contract processing unit that determines insurance content based on the calculated premium rate; A portable terminal that returns a notice of joining the insurance of the insurance content received from the server to the server.

  In another insurance system of the present invention, the in-vehicle device further transmits vehicle information including a current position of the vehicle and a registration ID when the ignition switch of the vehicle is turned off, and the insurance contract processing unit Determines the insurance content of insurance for which insurance money is paid against theft of the vehicle based on the vehicle information, and transmits it to the mobile terminal.

  In still another insurance system of the present invention, the insurance contract processing unit starts operating the insurance when receiving a notification of joining the insurance from the mobile terminal, and transmits vehicle operation start information from the in-vehicle device. Upon receipt, a notification for insurance policy cancellation intention confirmation is transmitted to the portable terminal.

  In still another insurance system of the present invention, the server further stores a vehicle information database that stores information about the vehicle including matters that determine the upper limit of the insurance amount of the vehicle and items that affect the degree of easy theft. Is provided.

  In still another insurance system of the present invention, the server further includes a theft determination processing unit that determines whether or not the vehicle may have been stolen.

  In the server of the present invention, a receiving unit that receives a current position of a parked vehicle, an insurance rate database that stores insurance rate data corresponding to the received current position of the vehicle, and a current position of the vehicle Based on this, the insurance premium rate database is accessed to calculate an insurance premium rate for the vehicle, and an insurance contract processing unit for determining insurance contents based on the calculated insurance premium rate.

  According to the present invention, the insurance premium of the insurance is determined according to the risk of theft by determining the insurance premium rate of the insurance to be paid for theft of the vehicle based on the position information of the parked vehicle. Can be set to a reasonable amount.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a conceptual diagram showing a configuration of an insurance system in the first embodiment of the present invention, and FIG. 2 is a diagram showing a data structure of an insurance premium database in the first embodiment of the present invention.

  In FIG. 1, reference numeral 10 denotes an insurance system in the present embodiment. Reference numeral 11 denotes an insurance center server as a server, which is constructed in a computer including a calculation means such as a CPU and MPU, a storage means such as a semiconductor memory, a magnetic disk, and an optical disk, a communication interface, and the like. The computer is not a single computer but may be a so-called distributed server in which a plurality of computers are organically coupled. Further, another system may be constructed in the computer. Further, the insurance center server 11 may be one of systems constructed in another computer.

  Reference numeral 28 denotes an in-vehicle device operated by an operator as an insured person. Although there are actually a large number of the in-vehicle devices, in the present embodiment, the on-vehicle device 28 is representative for convenience of explanation. The operator is, for example, an owner of a vehicle such as a passenger car, a truck, a bus, or a motorcycle, an administrator, a driver, a passenger, and the like.

  The in-vehicle device 28 includes a CPU, MPU and other computing devices, a semiconductor memory, a magnetic disk, a storage device such as an optical disk, a liquid crystal display, an LED (Light Emitting Diode) display, a display device such as a CRT, a keyboard, a joystick, An input device such as a cross key, a push button, a remote controller, a touch panel, a display control device for controlling the display device, and a transmission / reception unit such as a communication interface. The in-vehicle device 28 is, for example, a navigation device mounted on a vehicle such as a passenger car, a truck, a bus, and a motorcycle, but a stationary phone, a mobile phone, a PHS (Personal Handy-Phone System) phone, a portable information terminal, a PDA (PDA) (Personal Digital Assistant), personal computer, game machine, digital television, etc.

  Further, the in-vehicle device 28 has a current position detection device (not shown). When the in-vehicle device 28 is a navigation device, for example, the current position detection device generally detects the current position by a GPS, a geomagnetic sensor, a distance sensor, a steering sensor, a beacon sensor, a gyro sensor, or the like. The in-vehicle device 28 can transmit the current position to the insurance center server 11. The in-vehicle device 28 may not have a current position detecting device as long as the insurance center server 11 has a function capable of detecting the current position. For example, in the case of a mobile phone, a PHS phone, a portable information terminal, etc., the position of the base station is generally based on communication with the base station where the mobile phone, the PHS phone, the portable information terminal, etc. are located. Can be detected as the current position.

  Here, the insurance center server 11 and the in-vehicle device 28 are connected to each other via a network 27 so that they can communicate with each other. The network 27 may be any wired or wireless public communication line network, dedicated communication line network, mobile phone line network, Internet, intranet, LAN (Local Area Network), WAN (Wide Area Network), satellite communication line network, etc. It may be a communication network, or a combination of these as appropriate. Moreover, it may communicate using CS broadcasting or BS broadcasting by a broadcasting satellite, may communicate using terrestrial digital television broadcasting, may communicate using FM multiplex broadcasting, Communication may be performed using an optical beacon or a radio beacon installed on the side of the road.

  Reference numeral 29 denotes a portable terminal operated by the operator. Although there are actually a large number of portable terminals, in the present embodiment, the portable terminal 29 is representative for convenience of explanation. The portable terminal 29 includes a computing device such as a CPU and an MPU, a storage device such as a semiconductor memory, a magnetic disk, and an optical disk, a display device such as a liquid crystal display, an LED display, and a CRT, a keyboard, a joystick, a cross key, and a push button. A remote controller, an input device such as a touch panel, a display control device for controlling the display device, and a transmission / reception unit such as a communication interface. The mobile terminal 29 is, for example, a mobile phone or a PHS phone, but any device that can be carried by the operator, such as a portable information terminal, PDA, portable personal computer, game machine, etc. It may be a thing.

  Here, the insurance center server 11 and the portable terminal 29 are connected via the network 27 so that they can communicate with each other. Further, the portable terminal 29 can perform data communication with the insurance center server 11 for transmitting and receiving e-mails, passwords, and the like.

  The insurance system 10 according to the present embodiment includes the insurance center server 11, the in-vehicle device 28, and the mobile terminal 29. In this case, the operator is a person who has been registered in advance with the insurance system 10. The on-vehicle device 28 and the mobile terminal 29 are also registered. Furthermore, the vehicle is also registered in advance.

  Here, the insurance center server 11 is managed and operated by an insurance company that handles non-life insurance for which insurance money is paid against theft of a vehicle such as a non-life insurance company, or a person entrusted by the insurance company. The And when the said vehicle parks, the said insurance center server 11 acquires the present position of the vehicle transmitted from the vehicle-mounted apparatus 28, and calculates an insurance premium rate based on this present position and the information regarding the said vehicle. Then, based on the insurance rate, several insurance contents with different insurance premiums, exemption amounts, insurance amounts, etc. are created, and the insurance plan of the insurance contents is registered corresponding to the vehicle by e-mail or the like. To the portable terminal 29. The insurance plan is a plan proposed by an insurance company to an insurance subscriber, that is, an operator as an insured person, according to the insurance content in which insurance money is paid against theft of the vehicle.

  The insurance is, for example, vehicle insurance or theft insurance, but may be other types of insurance. In addition, the insurance period of the insurance is limited to one parking period, such as a certain type of travel insurance effective only for one flight, or for replacement of a vehicle. This is limited to a short period of time such as several hours, one day, several days, and the like, which is effective only for a period of about one week required for the transfer process. The insurance may be a new contract, or may be an option contract with a limited period added to an already signed insurance. In addition, a region where the insurance is contracted, that is, a region to be insured can be set and registered in advance. For example, only a large city such as Tokyo or Osaka may be set as the area covered by the insurance, or a parking lot at home or work may be excluded from the area covered by the insurance. Good.

  Further, when a desired insurance plan is selected and an insurance contract is concluded with the contents corresponding to the insurance plan, that is, when a notice of joining the insurance is received from the mobile terminal 29, the insurance center server 11 Start operation. Then, when the signal transmitted from the in-vehicle device 28 is acquired and it is confirmed that the parked vehicle has started operation, it is confirmed that there is an intention to cancel the insurance contract and stop the operation. Is sent to the portable terminal 29 by e-mail or the like. If the insurance center server 11 receives a reply indicating that it intends to cancel the insurance contract and stop the operation, the insurance center server 11 cancels the insurance contract and stops the operation. On the other hand, when the notification indicating that the vehicle may have been stolen is received from the mobile terminal 29, the insurance center server 11 tracks the vehicle, or the police, the security company, etc. Report to the institution.

  The insurance center server 11 has, from the viewpoint of function, a data unit 12 for storing data necessary for determining insurance contents to be paid for insurance against vehicle theft and creating an insurance policy, and , Access to the data section 12 to acquire necessary data and create the insurance policy, process to conclude the insurance contract, track the vehicle to be insured, and report to the related organizations It has processing part 21 which performs various processings, such as processing to perform. Further, the insurance center server 11 has a receiving unit (not shown) that receives the current position of the parked vehicle from the in-vehicle device 28. The data unit 12 includes a vehicle information database 13 and an insurance rate database 14.

  The vehicle information database 13 stores information on each registered vehicle. Here, the vehicle information includes, for example, vehicle manufacturer, vehicle type, model year, model number, vehicle body number, vehicle body paint color, riding capacity, engine capacity (displacement), engine output, engine model, engine number, and land transport station registration. Number (license plate number), registration date, vehicle purchase price, type and price of equipment such as air conditioner and audio, presence / absence of safety equipment such as airbags and safety body, prevention of theft of immobilizers, alarms, etc. Information on the vehicle itself, such as the presence / absence of equipment, the years of use of the vehicle, the main usage, presence / absence and limitation of drivers, accident history, insurance insurance payment history, etc. This information is necessary to determine the insurance amount, insurance premium rate, etc. of the insurance to be paid. For example, the upper limit of the insurance amount can be determined according to matters such as the purchase price of the vehicle, the price of the equipment, and the age of the vehicle. In addition, the insurance premium rate can be determined based on matters that affect the degree of easy theft, such as the manufacturer of the vehicle, the vehicle type, the body paint color, the presence or absence of an antitheft device, and the like. The information about the vehicle is stored in the vehicle information database 13 when the vehicle is registered in the insurance system 10 and is updated as needed.

  The insurance premium rate database 14 stores information on insurance premium rates. Here, information on the insurance premium rate includes, for example, the insurance premium rate corresponding to the type of insurance, the insurance premium rate corresponding to the insurance period, the insurance premium rate corresponding to the exemption amount and the reason for exemption, the insurance premium rate corresponding to the parking place of the vehicle, etc. is there. The insurance premium rate corresponding to the information related to the vehicle will be described as being stored in the vehicle information database 13 and not stored in the insurance premium rate database 14. In the present embodiment, the insurance rate data corresponding to the position of the parked vehicle, that is, the parking location of the vehicle has a data structure as shown in FIG. The data has a data structure in which data indicating the insurance rate corresponding to each position is added to each position data for the navigation device as shown in FIG.

  A normal navigation device stores various data including position coordinate data as data necessary for displaying the current position of a vehicle on a map, searching for a route, or searching for a point or facility. . For example, a POI (Point of Interest) data file stores facility data for searching points such as a departure point, a destination, and a passing point. Automobile-related facilities such as gas stations, auto repair shops, tourist facilities such as tourist information centers, department stores, supermarkets, shopping centers, home centers, convenience stores, shopping malls and other commercial facilities, pachinko, game centers, movie theaters, theme parks , Amusement parks, aquariums, zoos and other recreational facilities, restaurants, restaurants and other dining facilities, parking lots, parking spaces, parking towers and other parking facilities, railway stations, bus terminals, taxi ranks and other transportation facilities, shrines, temples , Religious facilities such as cemeteries, tax offices, city halls, schools, hospitals, etc. As position information regarding facilities such as public facilities and points such as bridges and plazas, the position coordinates of the facilities and points are included. Further, for example, the node data constituting the position and shape of the road in the map data recorded in the map data file are the actual road branch points (including intersections, T-junctions, etc.), nodes, and between the nodes. Are composed of data indicating a link connecting the two, and have position coordinates of each node. The navigation device position data shown in FIG. 2A has position coordinates such as the facility, the point, and the node, and the position coordinates can specify the exact position on the map. It is.

  The insurance system 10 according to the present embodiment determines the insurance rate for each position of a parked vehicle according to the probability that the vehicle will be stolen at each position. In other words, the insurance premium rate is determined in consideration of regional differences. For example, in areas where the traffic volume of people and vehicles is low, such as in the suburbs of Hokkaido, the probability of vehicle thefts is relatively low, and vehicle thefts occur in the centers of large cities such as Tokyo and Osaka. The probability of doing is relatively high. Also, in busy shopping areas such as Osaka Kita and Minami where restaurants and the like are concentrated, the probability of vehicle theft is quite high, and even if it is a short parking, the car may be stolen.

  Therefore, the predicted probability of vehicle theft in each region is created in advance based on statistics such as statistics on vehicle theft in the past, and the insurance premium rate is set according to the generated predicted probability, and the insurance premium rate By adding data to each of the navigation device position data, the insurance rate database 14 having a data structure as shown in FIG. 2B is constructed. In the insurance rate database 14, insurance rate data is added to all navigation device position data. Therefore, for example, even for a single road, insurance rate data is added to all nodes included in the road. As a result, if the current position detection device of the in-vehicle device 28 can identify the position where the vehicle is parked, the insurance rate corresponding to the parked position is obtained by accessing the insurance rate database 14. Data can be acquired.

  The insurance rate data may be added for each map mesh that divides the map into areas of a predetermined size. The map mesh is, for example, a secondary mesh. Here, the secondary mesh is a 10-fold regional mesh in the integrated regional mesh defined in “JIS X 0410-1976 Regional Mesh Code”. The secondary mesh is a rectangular area having a side of about 10 km. In the “National Digital Road Map Database” created by the Japan Digital Road Map Association, 4713 nationwide are available. The secondary mesh.

  In addition, since the insurance rate database 14 has a data structure in which insurance rate data is added to all navigation device position data, the insurance rate corresponding to the position where the vehicle is parked is set more finely. Can do. For example, even in the same region, the probability of theft of the vehicle is higher in the back street than in the front street. For example, even in the same area, a place near a police station or police box has a lower probability of vehicle theft than a place away from the police station or police box. Furthermore, for example, the cause is not analyzed, but there are points where theft of the vehicle frequently occurs even in the same region. Therefore, more precisely setting the insurance premium rate by creating a more detailed prediction probability of vehicle theft in each region as for each point and setting the insurance premium rate according to the generated prediction probability Can do. The insurance rate data is updated at any time.

  On the other hand, the processing unit 21 accesses a vehicle confirmation processing unit 22, a vehicle information database 13 and an insurance rate database 14 for confirming a parked vehicle, and calculates an insurance rate calculation processing unit 23 for calculating the insurance rate of the vehicle. An insurance contract processing unit 24 that determines an insurance plan based on the insurance premium rate, and enters and exits an insurance contract, whether or not the vehicle may have been stolen when the vehicle starts operating And a tracking / notification processing unit 26 that tracks a vehicle that has been determined to have been stolen or reports to a related organization that it may have been stolen. Have.

  First, when the vehicle information transmitted from the in-vehicle device 28 of the parked vehicle by the communication device (not shown) of the insurance center server 11 is received via the network 27, the vehicle confirmation processing unit 22 registers the vehicle from the vehicle information. Get ID and current location. And it confirms that the said vehicle and the vehicle-mounted apparatus 28 are previously registered into the insurance system 10, and that the present position belongs to the area which becomes an insurance object. Moreover, the said vehicle confirmation process part 22 can also confirm registration about the vehicle-mounted apparatus 28, the portable terminal 29, and an operator based on the registration ID of the said vehicle. The in-vehicle device 28 determines that the vehicle is parked when the vehicle stops and the switch of the motor of the vehicle, that is, the ignition switch is turned off, and transmits the vehicle information to the insurance center server 11. It is supposed to be. In a normal vehicle, there is a short period of time from when the ignition switch is turned off until the current supplied to the in-vehicle device 28 such as an accessory current is turned off. Device 28 can transmit vehicle information.

  The in-vehicle device 28 may be set to automatically transmit the vehicle information only when the vehicle is parked in the area to be insured. In this case, when the vehicle is parked outside the area to be insured, it is not necessary to transmit vehicle information, so that the battery of the vehicle, which is the power source of the in-vehicle device 28, can be prevented from being consumed. Further, when the vehicle is parked outside the area to be insured, the insurance center server 11 does not receive the vehicle information, so the communication load on the insurance center server 11 can be reduced. Further, the vehicle information is transmitted from the in-vehicle device 28 only when the operator operates the input device of the in-vehicle device 28 and inputs the vehicle information to the insurance center server 11. Also good.

  And the said premium rate calculation process part 23 accesses the premium rate database 14 based on the acquired positional information on the parked vehicle, and the position of the parked vehicle, ie, the parked location The insurance premium rate data corresponding to is obtained. The position information transmitted by the in-vehicle device 28 is preferably navigation device position data as shown in FIG. In this case, since the insurance premium rate database 14 has a data structure as shown in FIG. 2B, the corresponding insurance premium rate data can be easily obtained. Further, the insurance rate calculation processing unit 23 determines the insurance rate such as the insurance rate corresponding to the type of insurance, the insurance rate corresponding to the insurance period, the insurance rate corresponding to the exemption amount and the reason for exemption from the insurance rate database 14. Get all the data you need to.

  The insurance rate calculation processing unit 23 accesses the vehicle information database 13 based on the confirmed registration ID of the vehicle, and acquires information on the vehicle. Information on the vehicle includes items for determining the upper limit of the insurance amount such as the purchase price of the vehicle, the price of the equipment, the age of use of the vehicle, and the manufacturer of the vehicle, the vehicle type, the color of the vehicle body, the antitheft device This includes matters that affect the degree of easy theft such as presence or absence. The insurance rate is also changed depending on the degree of easy theft. The insurance rate calculation processing unit 23 calculates the insurance rate based on the data acquired from the insurance rate database 14 and the vehicle information database 13. The insurance rate varies depending on various insurance contents, for example, the insurance period, the exemption amount, the reason for exemption, the insurance amount, etc., and is calculated according to each insurance content. In this case, the insurance contents are set in advance including some variations in addition to the average.

  The insurance contract processing unit 24 creates insurance plans corresponding to several insurance contents with different insurance premiums, insurance periods, exemption amounts, reasons for exemptions, insurance amounts, etc. based on information on the vehicle and the insurance premium rate. Then, the insurance plan is transmitted to the portable terminal 29 by e-mail or the like. In this case, the portable terminal 29 is registered in advance corresponding to the registration ID of the vehicle, and is used by an operator as an insured person. The number of insurance plans to be transmitted is preferably about 3 to 5 in consideration of freedom of selection by the operator, ease of selection, etc., but it may be 1 or 6 or more. There may be any number.

  The insurance contract processing unit 24 receives a notification from the portable terminal 29 that selects a desired insurance plan and concludes an insurance contract with contents corresponding to the insurance plan, that is, a notification to join the insurance. In this case, it is determined that an insurance contract has been concluded with contents corresponding to the selected insurance plan, an insurance policy having the contents described above is created, and insurance operation is started. The insurance policy may be an electronic certificate. In addition, the insurance premium is automatically transferred from the operator's account opened in a pre-registered financial institution to the insurance operator's account at the same time as the insurance operation starts.

  When the theft determination processing unit 25 receives the vehicle operation start information transmitted from the in-vehicle device 28 of the parked vehicle that is the subject of insurance operated by the communication device of the insurance center server 11, A notification for confirming that there is an intention to cancel the contract and stop the operation, that is, a notification for confirming the intention to cancel the insurance contract is created, and the notification is transmitted to the portable terminal 29 by e-mail or the like. Here, when the notification of the intention of canceling the insurance contract returned from the mobile terminal 29 and the intention to stop the operation is received, that is, when the cancellation notification is received, the theft determination processing unit 25 is the insured person. It is determined that the operator has made an intention to cancel the operation of the insurance, and the fact is transmitted to the insurance contract processing unit 24. Thereby, the insurance policy processing unit 24 ends the operation of the insurance. In addition, when receiving a notification that the vehicle returned from the portable terminal 29 may have been stolen, that is, a theft possibility notification, the theft determination processing unit 25 may have caused the vehicle to be stolen. It is determined that there is, and the fact is transmitted to the tracking / notification processing unit 26.

  The tracking / notification processing unit 26 starts tracking the vehicle when receiving a determination result indicating that the vehicle may be stolen from the theft determination processing unit 25. In this case, the communication device of the insurance center server 11 receives the vehicle information transmitted by the in-vehicle device 28, and the tracking / notification processing unit 26 acquires the registration ID and the current position of the vehicle from the vehicle information. The tracking / notification processing unit 26 can track the vehicle based on the current position of the vehicle specified by the registration ID. Here, when the ignition switch is turned on after the vehicle is parked, the in-vehicle device 28 determines that the vehicle has started to operate, and continuously transmits the vehicle information to the insurance center server 11. Is set. Such a setting can be canceled by the operator operating the in-vehicle device 28.

  In addition, the tracking / notification processing unit 26 can also notify the related organizations such as the police and the security company that there has been a possibility of theft. In this case, the current position of the vehicle is transmitted to the related organization together with the notification. Thereby, the related organization can grasp the current position of the vehicle in real time, and can take an appropriate measure.

  Next, the operation of the insurance system 10 having the above configuration will be described.

  FIG. 3 is a flowchart showing the operation of the insurance system according to the first embodiment of the present invention.

  Here, after the operator drives the vehicle, goes to the center of the big city, parks the vehicle on the road, leaves the vehicle for about one to two hours, and finishes the use at a nearby commercial facility, etc. The operation of the insurance system 10 will be described on the assumption that the vehicle is driven home.

  First, when the operator stops the vehicle and turns off the ignition switch, the in-vehicle device 28 determines that the vehicle is parked and transmits vehicle information to the insurance center server 11 via the network 27. The vehicle information is information including a vehicle registration ID registered in advance in the insurance center server 11 and a current position detected by a current position detection device of the in-vehicle device 28.

  On the other hand, when the communication device of the insurance center server 11 receives the vehicle information, the vehicle confirmation processing unit 22 acquires the registration ID and the current position of the vehicle from the vehicle information. Then, the vehicle and the vehicle-mounted device 28 are registered in the insurance system 10 in advance, and the current position of the vehicle, that is, the position information of the parking place is confirmed.

  Subsequently, the insurance premium rate calculation processing unit 23 accesses the insurance premium rate database 14 based on the acquired position information of the parking location of the vehicle, and acquires insurance premium rate data corresponding to the parking location of the vehicle. The insurance rate calculation processing unit 23 determines an insurance rate such as an insurance rate corresponding to the type of insurance, an insurance rate corresponding to the insurance period, an insurance rate corresponding to an exemption amount and a reason for exemption from the insurance rate database 14. Get all the data you need to.

  Further, the insurance rate calculation processing unit 23 accesses the vehicle information database 13 based on the confirmed registration ID of the vehicle, and acquires information on the vehicle. Information on the vehicle includes items for determining the upper limit of the insurance amount such as the purchase price of the vehicle, the price of the equipment, the age of use of the vehicle, and the manufacturer of the vehicle, the vehicle type, the color of the vehicle body, the antitheft device It includes matters for determining the insurance rate that affects the degree of easy theft such as presence or absence.

  Subsequently, the insurance premium rate calculation processing unit 23 calculates an insurance premium rate based on data acquired from the insurance premium rate database 14 and the vehicle information database 13. The insurance contract processing unit 24 creates insurance plans corresponding to several insurance contents with different insurance premiums, insurance periods, exemption amounts, reasons for exemptions, insurance amounts, etc. based on information on the vehicle and the insurance premium rate. Then, the insurance plan is transmitted to the portable terminal 29 by e-mail or the like. In this case, the number of insurance plans to be transmitted is preferably about three to five in consideration of freedom of selection by the operator, ease of selection, and the like.

  On the other hand, when the portable terminal 29 possessed by the operator receives the insurance plan via the network 27, the contents of the insurance plan are displayed on the display device of the portable terminal 29. Then, the operator selects a desired insurance plan from the displayed insurance plans, and returns to the insurance center server 11 that the insurance contract is concluded with the contents corresponding to the insurance plans. In this case, when the operator operates the input device of the portable terminal 29 and places the cursor or pointer on the desired insurance plan number from the insurance plans displayed on the display device and clicks, the selected insurance plan It is desirable to automatically reply that the insurance contract is concluded with the contents corresponding to.

  When the communication device of the insurance center server 11 receives the reply from the portable terminal 29 via the network 27, the insurance contract processing unit 24 concludes an insurance contract with the content corresponding to the selected insurance plan. The insurance policy having the above contents is created and the insurance operation is started.

  Subsequently, after about 1 to 2 hours have elapsed since the vehicle started parking, the operator turns on the ignition switch in order to return to the vehicle and start the engine of the vehicle. When the ignition switch is turned on, the in-vehicle device 28 determines that the vehicle has started operation, and transmits vehicle operation start information to the insurance center server 11 via the network 27. Subsequently, when the communication device of the insurance center server 11 receives the vehicle operation start information, the theft determination processing unit 25 creates an insurance contract cancellation intention confirmation notification and sends the notification by e-mail or the like to the portable terminal. 29.

  When the mobile terminal 29 receives the notification via the network 27, the display of the mobile terminal 29 is notified that the vehicle has started operation, and the insurance contract is canceled and the operation is stopped. A selection means for selecting whether or not there is an intention to do is displayed. Here, the operator looks at the displayed content and determines whether to cancel the insurance contract and stop the operation. Subsequently, when the operator selects that he / she intends to cancel the insurance contract and stop the operation, a cancellation notification is returned from the mobile terminal 29 via the network 27. In this case, when the operator operates the input device of the portable terminal 29, the cursor is moved to a selection button indicating that the user intends to cancel the insurance contract from the selection means displayed on the display device and stop the operation. It is desirable that the release notification is automatically returned when the user clicks with the pointer.

  Subsequently, when the communication device of the insurance center server 11 receives the cancellation notification from the mobile terminal 29 via the network 27, the theft determination processing unit 25 allows the operator as the insured to cancel the operation of the insurance. It is determined that the intention has been displayed, and the fact is transmitted to the insurance contract processing unit 24. Thereby, the insurance policy processing unit 24 ends the operation of the insurance.

  On the other hand, even when the operator has not returned to the vehicle, when the ignition switch is turned on, the in-vehicle device 28 determines that the vehicle has started operation, and via the network 27, The vehicle operation start information is transmitted to the insurance center server 11. Also in this case, the theft determination processing unit 25 creates a notification for confirming that there is an intention to cancel the insurance contract and stop the operation, and transmits the notification to the portable terminal 29 by e-mail or the like. To do. And when the said portable terminal 29 receives the said notification via the network 27, similarly the notification that the said vehicle started operation | movement and the insurance contract will be cancelled | released on the display apparatus of the said portable terminal 29. A selection means for selecting whether or not there is an intention to stop the operation is displayed. In this case, since the operator has not returned to the vehicle by himself / herself, he / she operates the input device of the portable terminal 29 to select a selection means indicating that he / she has no intention to cancel the insurance contract and stop the operation. To do. Then, the mobile terminal 29 determines that the vehicle may have been stolen and returns a theft possibility notification.

  Subsequently, when the communication device of the insurance center server 11 receives a theft possibility notification from the mobile terminal 29 via the network 27, the theft determination processing unit 25 may have caused the vehicle theft. And the fact is transmitted to the tracking / notification processing unit 26. The tracking / notification processing unit 26 starts tracking the vehicle when receiving a determination result indicating that the vehicle may be stolen from the theft determination processing unit 25.

  In this case, the communication device of the insurance center server 11 receives the vehicle information transmitted by the in-vehicle device 28, and the tracking / notification processing unit 26 acquires the registration ID and the current position of the vehicle from the vehicle information. In addition, the tracking / notification processing unit 26 can also notify the related organizations such as the police and the security company that there has been a possibility of theft. In this case, the current position of the vehicle is transmitted to the related organization together with the notification. As a result, the related organization can grasp the current position of the vehicle in real time, and can take appropriate measures.

Next, a flowchart will be described.
Step S1: Stop the vehicle.
Step S2: Turn off the ignition switch.
Step S3 The in-vehicle device 28 transmits vehicle information to the insurance center server 11.
Step S4: Obtain insurance rate data corresponding to the parking location of the vehicle.
Step S5: Information such as the purchase price of the vehicle, the price of the equipment, the age of use of the vehicle, etc. is acquired as information about the vehicle.
Step S6 Determine the insurance plan to be provided.
Step S7 The insurance center server 11 transmits the insurance plan to the mobile terminal 29.
Step S8 Select an insurance plan.
Step S9 The operator operates the portable terminal 29 and transmits a message to conclude a contract as a purchase intention.
Step S10 The insurance operation is started.
Step S11: Turn on the ignition switch.
Step S12 The in-vehicle device 28 transmits vehicle operation start information to the insurance center server 11. Step S13 The vehicle operation start information is confirmed.
Step S <b> 14 The insurance center server 11 transmits an insurance contract cancellation intention confirmation notification to the mobile terminal 29.
Step S15: Whether or not to cancel the insurance contract is determined. If the insurance contract is cancelled, the process proceeds to step S16. If the insurance contract is not cancelled, the process proceeds to step S17.
Step S16 The portable terminal 29 transmits a cancellation notice to the insurance center server 11.
Step S17: It is determined that the user may have been stolen.
Step S18 The portable terminal 29 transmits a theft possibility notification to the insurance center server 11.
Step S19: Vehicle tracking or reporting to related organizations.

  As described above, in the present embodiment, the insurance rate calculation processing unit 23 accesses the insurance rate database 14 based on the position information of the in-vehicle device 28 of the parked vehicle, and corresponds to the position of the vehicle. Insurance premium rate data is acquired to determine the insurance premium rate for insurance payments for vehicle theft. Therefore, the insurance premium for the insurance can be set to a reasonable amount according to the risk of theft.

  In addition, since the insurance is limited to a single parking period or limited to a short period of time, an operator as an insured must make an insurance contract efficiently only when necessary. Can do. Furthermore, the insurance contract processing unit 24 creates insurance plans corresponding to a plurality of insurance contents based on the information on the vehicle and the insurance premium rate, and displays them on the display device of the portable terminal 29 so that the operator can select them. It is possible to select insurance with contents suitable for the situation.

  Next, a second embodiment of the present invention will be described. In addition, about what has the same structure as the said 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 4 is a diagram showing a data structure of an insurance rate database according to the second embodiment of the present invention.

  In this embodiment, the position of the parked vehicle stored in the insurance rate database 14, that is, the insurance rate data corresponding to the parking location of the vehicle has a data structure as shown in FIG. In the first embodiment, since it has a data structure in which insurance rate data is added to all navigation device position data, the insurance rate corresponding to the position where the vehicle is parked is set more finely. Can be done. However, in order to set the insurance premium rate more precisely, it takes time and labor costs. Therefore, in the present embodiment, insurance rate data is set for each region. As a result, it is possible to reduce the labor for creating insurance rate data, shorten the time, and reduce the cost.

  In the example shown in Fig. 4, the area including the big city and its surroundings is divided into a plurality of areas, where the insurance rate is low, the area is low, the insurance rate is medium, the insurance rate is High “high” regions and “very high” regions with extremely high insurance rates are set. In this case, since the probability of vehicle theft occurring in the peripheral portion is relatively low, the `` low '' and `` medium '' regions are set, and in the center, the probability of vehicle theft occurring is extremely high. It can be seen that the “super high” area is set. Insurance premium rates corresponding to “low”, “medium”, “high” and “extremely high” are set in advance.

  Then, the insurance rate calculation processing unit 23 accesses the insurance rate database 14 based on the acquired location information of the parked vehicle, and determines in which region the location of the parked vehicle is included. The insurance premium data corresponding to the area including the position of the vehicle is acquired.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a conceptual diagram which shows the structure of the insurance system in the 1st Embodiment of this invention. It is a figure which shows the data structure of the insurance premium rate database in the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the insurance system in the 1st Embodiment of this invention. It is a figure which shows the data structure of the insurance premium rate database in the 2nd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Insurance system 11 Insurance center server 13 Vehicle information database 14 Insurance premium rate database 23 Insurance premium calculation processing part 24 Insurance contract processing part 25 Theft determination processing part 28 In-vehicle apparatus 29 Portable terminal

Claims (6)

(A) an in-vehicle device that transmits the current position of the vehicle;
(B) An insurance rate database storing insurance rate data corresponding to the current position of the parked vehicle, and calculating the insurance rate of the vehicle by accessing the insurance rate database based on the current position of the vehicle A server comprising an insurance rate calculation processing unit, and an insurance contract processing unit for determining insurance contents based on the calculated insurance rate;
(C) An insurance system comprising: a portable terminal that returns a notice of joining insurance of insurance content received from the server to the server. (A) When the ignition switch of the vehicle is turned off, the in-vehicle device transmits vehicle information including a current position of the vehicle and a registration ID,
(B) The insurance system according to claim 1, wherein the insurance contract processing unit determines insurance contents of insurance for which insurance money is paid against theft of the vehicle based on the vehicle information, and transmits the insurance content to the portable terminal. . The insurance contract processing unit starts operating the insurance when receiving a notification to join the insurance from the portable terminal, and receives a notification for canceling the insurance contract when receiving vehicle operation start information from the in-vehicle device. The insurance system according to claim 2, wherein the insurance system is transmitted to. The said server is provided with the vehicle information database which stores the information regarding the vehicle containing the matter which determines the upper limit of the insurance amount of the said vehicle, and the matter which affects the degree which is easy to encounter theft. The insurance system described. The insurance system according to any one of claims 1 to 4, wherein the server includes a theft determination processing unit that determines whether or not the vehicle has been stolen. (A) a receiving unit that receives a current position of a parked vehicle;
(B) an insurance rate database storing insurance rate data corresponding to the received current position of the vehicle;
(C) Based on the current position of the vehicle, an insurance rate calculation processing unit that accesses the insurance rate database and calculates the insurance rate of the vehicle;
(D) A server having an insurance contract processing unit that determines insurance contents based on the calculated insurance rate.

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