JP2007257326A - Insurance contract system, insurance contracting method, mobile mounted device, server and insurance contract program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance contract system with which an appropriate insurance contract, an insurance contracting method, a mobile mounted device, a server and an insurance contract program can be concluded. <P>SOLUTION: An onboard device 101 mounted on a vehicle and a center server 102 transmit and receive information, the onboard device 101 measures position information of the vehicle, the center server 102 determines whether the travel distance of the vehicle is within the range of an insurance contract on the basis of the position information of the vehicle transmitted from the onboard device 101, prepares a contract update screen for the insurance contract to be transmitted to the onboard device 101 on the basis of the determination result, and transmits the prepared contract update screen to the onboard device 101. Contract update information transmitted from the onboard device 101 is received, and update processing of the insurance contract is performed on the basis of the received contract update information. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an insurance contract system, an insurance contract method, a mobile unit mounting device, a server, and an insurance contract program that conclude an insurance contract for traveling of an automobile.

Currently, automobile users and the like conclude an insurance contract with an insurance company for driving the automobile. This insurance contract is generally such that an insurance company pays compensation in the event of a car user's accident. As a conventional system in which a user of an automobile concludes an insurance contract, for example, a system that determines a condition according to a travel distance or a travel time and concludes an insurance contract is known (see, for example, Patent Document 1). As a conventional technique, a system for calculating an insurance premium based on the equipment of a vehicle is known.
JP 2002-334217 A JP 2003-150787 A Japanese Patent Laid-Open No. 11-511581 JP 2001-76035 A JP 2002-304530 A JP 2002-358425 A JP 2003-168006 A

  In the conventional insurance contract system, only an insurance contract according to the travel distance or travel time of the user can be concluded. Therefore, from the user's standpoint, even if an insurance premium corresponding to the appropriate risk is paid according to the driving route and driving area, the insurance premium corresponding to the risk is not set, and there is no choice for the insurance premium. It has the problem of being narrow. For example, in the conventional technology, there is no appropriate insurance contract for a town community use car that is lower than the general area, and the user responds to the use situation of the car. There is a problem that an appropriate insurance contract cannot be concluded.

  That is, in the conventional technology, for example, the route of the car is not managed, for example, the route of the car is managed and reported to the center server. Since there is no accident occurrence database for each area, there is a problem that the risk of an accident cannot be calculated according to the travel route or the travel area.

  In addition, with the conventional technology, there is no database that records the incidence of accidents in each vehicle travel area and travel time zone, so insurance premiums are calculated individually based on the vehicle travel area and travel time zone. It has the problem that it cannot. Furthermore, in the conventional technology, since the user's driving characteristics such as whether or not the user's car has stopped once are not grasped, it is impossible to calculate the insurance premium according to the results of safe driving. have.

In the conventional technology, the insurance premium is set by attaching a safety device such as an airbag (hereinafter simply referred to as AB) or an Anti-locked Braking System (hereinafter simply referred to as ABS) when registering an insurance contract. Such a conventional technique has a problem that an insurance premium is not set accurately because the insurance premium is set even if these safety devices fail, because the safety device is operating. ing. In other words, the conventional technology has a problem that the insurance company cannot establish an appropriate contract for the failure because the insurance company cannot grasp the current equipment situation of the vehicle.

  The present invention has been made in view of the above circumstances, and an object thereof is to provide an insurance contract system, an insurance contract method, a mobile unit, a server, and an insurance contract program that can conclude an appropriate insurance contract. With the goal.

  In order to achieve the above object, an insurance contract system according to the present invention comprises a mobile unit mounted on a mobile unit, and a server that transmits and receives information to and from the mobile unit. An insurance contract system that concludes an insurance contract, wherein the mobile body mounting device acquires position information acquisition means for acquiring position information of the mobile body, and a position for transmitting the acquired position information of the mobile body to the server. Information update means, contract update screen display means for displaying an update screen of the insurance contract transmitted from the server, and contract update information of the insurance contract for the travel of the mobile body based on the contents displayed on the contract update screen Contract update information transmitting means for transmitting to the server, the server based on the position information of the mobile body transmitted from the mobile body mounting device, the travel distance of the mobile body is an insurance policy. A determination means for determining whether or not it is within a range, a contract update screen creation means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit, based on a determination result of the determination means, A contract update screen transmitting means for transmitting a contract update screen created by a contract update screen creating means to the mobile unit; a contract update information receiving unit for receiving contract update information transmitted from the mobile unit; Contract update processing means for performing an insurance contract update process based on the received contract update information.

  The insurance contract method according to the present invention includes an insurance contract system comprising a mobile unit mounted on a mobile unit and a server that transmits and receives information to and from the mobile unit. An insurance contract method for concluding a contract, wherein the mobile body mounting device acquires location information of the mobile body, and location information for transmitting the acquired location information of the mobile body to the server. A contract update screen display step for displaying an update screen for an insurance contract transmitted from the server, and a contract update information for an insurance contract for travel of the mobile based on the content displayed on the contract update screen. The contract update information transmission step to be transmitted to the server, and based on the position information of the mobile body transmitted from the mobile body mounted by the server, the travel distance of the mobile body is within the insurance contract range. A determination step for determining whether or not a contract, a contract update screen creation step for creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on a determination result in the determination step, and the contract update screen A contract update screen transmission step for transmitting the contract update screen created in the creation step to the mobile unit, a contract update information reception step for receiving contract update information transmitted from the mobile unit, and the received A contract renewal process step of performing a renewal process of the insurance contract based on the contract renewal information.

  Moreover, the mobile body mounting device according to the present invention is a mobile body mounting device mounted on a mobile body, and includes location information acquisition means for acquiring location information of the mobile body, and the acquired location information of the mobile body. Position information transmission means for transmitting to the server, contract update screen display means for displaying an update screen of the insurance contract transmitted from the server, and the travel of the mobile body based on the contents displayed on the contract update screen Contract update information transmitting means for transmitting the contract update information of the insurance contract to the server.

Further, the server according to the present invention is a server that transmits and receives information to and from a mobile unit mounted on a mobile unit, and the mobile unit is based on the position information of the mobile unit transmitted from the mobile unit unit. A contract for creating a contract renewal screen for an insurance contract to be transmitted to the mobile unit based on the determination result of the determination means for determining whether or not the mileage of the body is within the range of the insurance contract An update screen creation means, a contract update screen transmission means for sending a contract update screen created by the contract update screen creation means to the mobile unit, and contract update information transmitted from the mobile unit Contract update information receiving means, and contract update processing means for performing insurance contract update processing based on the received contract update information.

  In addition, the insurance contract program according to the present invention includes a mobile body mounting device mounted on a mobile body, positional information acquisition means for acquiring positional information of the mobile body, and transmitting the acquired positional information of the mobile body to a server. Position information transmitting means, contract update screen display means for displaying an insurance contract update screen transmitted from the server, and an insurance contract contract for traveling of the mobile based on the contents displayed on the contract update screen It functions as contract update information transmission means for transmitting update information to the server.

  In addition, the insurance contract program according to the present invention provides a server that transmits and receives information to and from a mobile unit mounted on a mobile unit based on the location information of the mobile unit transmitted from the mobile unit A determination means for determining whether the mileage of the body is within the range of the insurance contract, a contract update for creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on the determination result of the determination means Screen creation means, contract update screen transmission means for sending the contract update screen created by the contract update screen creation means to the mobile unit, contract update information for receiving contract update information transmitted from the mobile unit It functions as a receiving means and a contract update processing means for performing an insurance contract update process based on the received contract update information.

  The insurance contract system according to the present invention concludes an insurance contract for the traveling of the mobile body, which includes a mobile body mounted device mounted on the mobile body and a server that transmits and receives information to and from the mobile body mounted device. In the insurance contract system, the mobile body mounting device includes travel characteristic information acquisition means for acquiring travel characteristic information of the mobile body, and travel characteristic information for transmitting the acquired travel characteristic information of the mobile body to the server. A contract update screen display means for displaying an update screen for an insurance contract transmitted from the server, and a contract update information for an insurance contract for travel of the mobile body based on the content displayed on the contract update screen. Contract update information transmitting means for transmitting to the server, wherein the server is configured to insure that the travel characteristics of the mobile body are insurance based on travel characteristics information of the mobile body transmitted from the mobile body mounter. A contract update screen for creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on a determination result of the travel characteristic determination means for determining whether or not it is within a range. Creating means, contract update screen sending means for sending the contract update screen created by the contract update screen creating means to the mobile unit, and contract update for receiving contract update information transmitted from the mobile unit Information receiving means and contract update processing means for performing insurance contract update processing based on the received contract update information.

  The insurance contract method according to the present invention includes an insurance contract system comprising a mobile unit mounted on a mobile unit and a server that transmits and receives information to and from the mobile unit. An insurance contract method for concluding a contract, wherein the mobile body mounting device acquires a travel characteristic information acquisition step of acquiring travel characteristic information of the mobile body, and transmits the acquired travel characteristic information of the mobile body to the server. A travel characteristic information transmitting step, a contract update screen display step for displaying an update screen of the insurance contract transmitted from the server, and an insurance contract for the travel of the mobile body based on the content displayed on the contract update screen. Contract update information transmission step of transmitting contract update information to the server, and the server traveling the mobile body based on travel characteristic information of the mobile body transmitted from the mobile body mounter. Based on the determination result in the travel characteristic determination step and whether or not the property is within the insurance contract range, a contract update screen for the insurance contract to be transmitted to the mobile unit is created. Contract update screen creation step, contract update screen transmission step for transmitting the contract update screen created in the contract update screen creation step to the mobile unit mounting device, and contract update information transmitted from the mobile unit mounting unit A contract update information receiving step, and a contract update processing step of performing an insurance contract update process based on the received contract update information.

  Further, the mobile body mounting device according to the present invention is a mobile body mounting device mounted on a mobile body, the travel characteristic information acquiring means for acquiring the travel characteristic information of the mobile body, and the acquired mobile body The travel characteristic information transmitting means for transmitting the travel characteristic information to the server, the contract update screen display means for displaying the update screen of the insurance contract transmitted from the server, and the movement based on the contents displayed on the contract update screen Contract update information transmission means for transmitting contract update information of an insurance contract for body travel to the server.

  The server according to the present invention is a server that transmits and receives information to and from a mobile unit mounted on a mobile unit, and based on the travel characteristic information of the mobile unit transmitted from the mobile unit unit, A travel characteristic determination unit for determining whether or not the travel characteristic of the mobile body is within the range of the insurance contract, and a contract update of the insurance contract to be transmitted to the mobile unit based on the determination result of the travel characteristic determination unit Contract update screen creation means for creating a screen, contract update screen transmission means for sending the contract update screen created by the contract update screen creation means to the mobile unit, and the contract transmitted from the mobile unit Contract update information receiving means for receiving update information, and contract update processing means for updating insurance contracts based on the received contract update information.

  The insurance contract program according to the present invention includes a mobile unit mounted on a mobile unit, travel characteristic information acquisition means for acquiring the travel characteristic information of the mobile unit, and the acquired travel characteristic information of the mobile unit. A travel characteristic information transmitting means for transmitting to the server, a contract update screen displaying means for displaying an update screen for the insurance contract transmitted from the server, and the travel of the mobile body based on the contents displayed on the contract update screen It is made to function as contract update information transmitting means for transmitting contract update information of an insurance contract to the server.

  Further, the insurance contract program according to the present invention provides a server that transmits and receives information to and from a mobile unit mounted on a mobile unit, based on travel characteristic information of the mobile unit transmitted from the mobile unit. A travel characteristic determination unit that determines whether or not the travel characteristic of the mobile body is within the range of the insurance contract, and a contract update screen for an insurance contract that is transmitted to the mobile unit based on the determination result of the travel characteristic determination unit The contract update screen creating means for creating the contract update screen, the contract update screen transmitting means for sending the contract update screen created by the contract update screen creating means to the mobile unit, the contract update information transmitted from the mobile unit It is made to function as contract update information receiving means for receiving and contract update processing means for updating insurance contracts based on the received contract update information.

  The insurance contract system according to the present invention concludes an insurance contract for the traveling of the mobile body, which includes a mobile body mounted device mounted on the mobile body and a server that transmits and receives information to and from the mobile body mounted device. In the insurance contract system, the mobile unit has a fault state collecting means for collecting information on a fault state of the mobile unit, and a fault state for transmitting the acquired fault state information of the mobile unit to the server A contract update screen display means for displaying an update screen for an insurance contract transmitted from the server, and a contract update information for an insurance contract for travel of the mobile body based on the content displayed on the contract update screen. Contract update information transmission means for transmitting to the server, the server based on the information on the failure state of the moving body transmitted from the mobile body mounting device, the failure state of the moving body is an insurance policy. A failure state determination unit for determining whether or not the range is within the range of the contract, and a contract update screen creation for creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on the determination result of the failure state determination unit Means, contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit, and contract update information for receiving contract update information transmitted from the mobile unit Receiving means, and contract update processing means for updating insurance contracts based on the received contract update information.

The insurance contract method according to the present invention includes an insurance contract system comprising a mobile unit mounted on a mobile unit and a server that transmits and receives information to and from the mobile unit. An insurance contract method for concluding a contract, wherein the mobile body mounting device collects information on a failure state of the mobile body and a failure state collection step of collecting information on the acquired mobile body failure state to the server. A failure state transmission step of transmitting, a contract update screen display step of displaying an update screen of the insurance contract transmitted from the server, and an insurance contract for the traveling of the mobile body based on the content displayed on the contract update screen A contract update information transmission step for transmitting to the server whether or not to perform an update process, and the server based on the information on the failure state of the mobile body transmitted from the mobile body mounting device. Creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on a determination result in the failure state determination step for determining whether or not the failure state is within the range of the insurance contract A contract update screen creating step, a contract update screen sending step for sending the contract update screen created in the contract update screen creating step to the mobile unit, and the contract update information transmitted from the mobile unit A contract update information receiving step for receiving and a contract update processing step for updating the insurance contract based on the received contract update information.

  Further, the mobile body mounting device according to the present invention is a mobile body mounting device mounted on the mobile body, the fault state collecting means for collecting the fault state information of the mobile body, and the acquired mobile body Failure status transmission means for transmitting failure state information to a server, contract update screen display means for displaying an insurance contract update screen transmitted from the server, and the movement based on the contents displayed on the contract update screen Contract update information transmission means for transmitting contract update information of an insurance contract for body travel to the server.

  In addition, the server according to the present invention is a server that transmits and receives information to and from a mobile unit mounted on a mobile unit, and based on the information on the failure state of the mobile unit transmitted from the mobile unit mounted unit, A failure state determination unit that determines whether or not the failure state of the mobile body is within the range of an insurance contract, and a contract of an insurance contract that is transmitted to the mobile unit on the basis of a determination result of the failure state determination unit Contract update screen creation means for creating an update screen, contract update screen transmission means for sending the contract update screen created in the contract update screen creation means to the mobile unit, and transmitted from the mobile unit Contract update information receiving means for receiving contract update information, and contract update processing means for updating insurance contracts based on the received contract update information.

  In addition, the insurance contract program according to the present invention includes a mobile unit mounted on a mobile unit, a fault state collecting unit that collects information on the fault state of the mobile unit, and the acquired information on the fault state of the mobile unit A failure state transmitting means for transmitting to the server, a contract update screen displaying means for displaying an update screen for the insurance contract transmitted from the server, and the traveling of the mobile body based on the contents displayed on the contract update screen It functions as a contract update information transmitting means for transmitting the contract update information of the insurance contract to the server.

  In addition, the insurance contract program according to the present invention is a server that transmits and receives information to and from a mobile unit mounted on a mobile unit, based on the information on the failure state of the mobile unit transmitted from the mobile unit. Failure state determination means for determining whether or not the failure state of the mobile body is within the scope of an insurance contract, contract update of the insurance contract to be transmitted to the mobile unit based on the determination result of the failure state determination means Contract update screen creation means for creating a screen, contract update screen transmission means for sending the contract update screen created in the contract update screen creation means to the mobile unit, contract update information transmitted from the mobile unit The contract update information receiving means for receiving the contract and the contract update processing means for performing the insurance contract update processing based on the received contract update information.

As described above, according to the present invention, for example, the mobile body mounting device acquires the position information of a mobile body such as a car, and based on this position information, the server determines whether the travel distance of the mobile body is within the contract range. If the travel distance of the mobile unit exceeds the contract range, the server sends a contract update screen for contract update to the server, and the mobile unit mounts the contract based on the contract update screen. Since the update information is transmitted to the server to update the insurance contract, the mobile user and the insurance company can conclude an insurance contract based on the travel distance of the route such as the road type and the contents of the contract are protected. The insurance company can check whether or not it has been done, and if it runs beyond the contract, the contract renewal process can be performed, so the user and the insurance company conclude an appropriate insurance contract can do.

  In addition, according to the present invention, for example, the mobile body mounting device acquires travel characteristic information that is information related to the travel of the vehicle such as a stop frequency and travel speed of a mobile body such as a car, and based on the travel characteristic information. The server determines whether the traveling characteristics of the mobile body are within the contract range, and if the traveling characteristics of the mobile body exceed the contract range, the server sends a contract update screen for contract renewal to the server. In addition, since the mobile unit transmits the contract update information based on the contract update screen to the server to update the insurance contract, the mobile user and the insurance company, for example, travel to the extent of compliance with laws and regulations. It is possible to conclude an insurance contract based on the characteristics, and the insurance company can check how much the contents of the contract are protected, and further, the mobile body is driven beyond the insurance contract. If the contract is renewed Since it is possible to perform, it is possible to conclude the appropriate insurance contract between the user and the insurance company.

  In addition, according to the present invention, for example, a mobile unit mounting device collects failures such as equipment of a mobile unit such as a car, and the failure state is transmitted from the mobile unit mounting unit to the server. It is determined whether or not the transmitted failure state needs to update the insurance contract, and based on this determination result, an insurance contract update screen is created and transmitted to the mobile unit. The contract update information is transmitted to the server, and the server performs the update process of the insurance contract with the user based on the transmitted contract update information. In addition to signing an insurance contract, the insurance company can detect the failure that needs to be updated by monitoring the failure status of the mobile unit. Can be concluded.

  That is, according to the present invention, from an insurance company, an insurance contract is made based on the risk of an accident according to the travel distance, travel characteristics, failure state, etc. of the moving body, so that a low charge is made for users with low accident risk. Thus, it is possible to conclude an insurance contract with the user and solicit the insurance contract at a low charge to the user. In addition, for users with high accident risk, it is possible to conclude an individual insurance contract with a high insurance premium to alert the user to accidents, and as a result, the risk of the user's occurrence of accidents may be reduced.

  Next, an embodiment of an insurance contract system according to the present invention will be described with reference to the drawings. The description of each embodiment of the insurance contract system according to the present invention described below also serves as the description of each embodiment of the insurance contract method, mobile unit, server, and insurance contract program according to the present invention.

(First embodiment)
First, a first embodiment of an insurance contract system according to the present invention will be described with reference to the drawings. First, with reference to FIG. 1, the structure of 1st Embodiment of the insurance contract system which concerns on this invention is demonstrated. FIG. 1 is a configuration diagram of a first embodiment of an insurance contract system according to the present invention.

As shown in FIG. 1, the first embodiment of the insurance contract system according to the present invention is mounted on a vehicle or the like and performs various controls of the vehicle, data transmitted from the vehicle onboard 101, and the like. The center server 102 that performs processing such as management of customer information and insurance policy update, a mobile communication provider 103 that provides mobile communication services, and a communication network 104 such as the Internet.

  The in-vehicle device 101 is mounted on a car and acquires various kinds of information on the car and transmits / receives data to / from the center server 102. The vehicle-mounted device 101 includes a display switch 111 to which various types of information functioning as a human machine interface (HMI) are input from a user, and a navigation electronic control unit (ECU) 112 that controls the operation of the vehicle-mounted device 101. The display switch 111 employs, for example, a touch panel system, and can input and select information by touching the screen with a finger or the like.

  The vehicle-mounted device 101 includes a communication device 113 for exchanging data via the center server 102 and the communication carrier 103, a memory 114 for storing various types of information, a vehicle speed detection, It includes a vehicle behavior sensor 115 that collects information on the state of the vehicle and controls the state of the vehicle, such as detection of the state of the wheel, detection of acceleration, and position confirmation by a Global Positioning System (GPS).

  The center server 102 manages customer (automobile user) information, manages insurance contract information, and performs insurance contract and data update processing based on various data transmitted from the vehicle-mounted device 101. Do. The function of the center server 102 may be realized by one or a plurality of servers, for example.

  This center server 102 is based on the data transmitted from the vehicle onboard device 101 via the insurance contract unit 116 that performs insurance contract processing and insurance contract update processing with the user and the mobile communication carrier 103. And a vehicle monitor unit 117 that monitors the position, speed, and state of the vehicle.

  Further, the center server 102 includes a customer database 118 that stores various personal information such as the customer's insurance contract status, name, and age, and a route-specific accident database 119 that stores information such as the occurrence of accidents by route. Prepare. Here, the route refers to the road on which the vehicle has traveled. In the present embodiment, the information on the route includes information on the type of road on which the vehicle has traveled.

  Next, the configuration of the internal functions of the vehicle-mounted device 101 shown in FIG. 1 will be described with reference to FIG. FIG. 2 is a block diagram showing an internal configuration of the vehicle-mounted device 101 shown in FIG. As shown in FIG. 2, the vehicle-mounted device of the first embodiment of the insurance contract system according to the present invention transmits various travel history information such as the route, time, and distance traveled to the center server. Travel history transmission unit 201, a position information acquisition unit 202 that acquires position information by GPS or the like, and a position information transmission unit 203 for transmitting information of the acquired vehicle position information to the center server.

  Further, the vehicle-mounted device of the present embodiment includes a travel distance counting unit 204 that counts the travel distance for each route, a travel distance determination unit 205 that determines whether or not the counted travel distance is within a contracted range, A contract update screen receiving unit 206 that receives the contract update screen transmitted from the center server.

  In addition, the in-vehicle device of the present embodiment includes the contract update screen display unit 207 that displays the received contract update screen on a liquid crystal display, for example, and the presence / absence and contents of the contract update based on the display of the contract update screen displayed on the screen A contract update information transmitting unit 208 for notifying the center server of contract update information such as

In addition, the vehicle-mounted device according to the present embodiment includes a stop and IG off determination unit 209 that determines whether the vehicle is stopped and the ignition (IG) is off, and a history file that stores history such as a travel route and a travel distance of the vehicle in a memory or the like. A storage unit 210. Note that at least one function of each unit illustrated in FIG. 2 may be realized by a program stored in the memory cooperating with the CPU.

  Next, the configuration of the internal functions of the center server 102 shown in FIG. 1 will be described with reference to FIG. FIG. 3 is a block diagram showing an internal configuration of the center server 102 shown in FIG. The center server of the present embodiment includes a travel history receiving unit 301 that receives a travel history transmitted from the vehicle-mounted device, and a file update unit that updates a user history file corresponding to the travel history based on the received travel history. 302.

  In addition, the center server of the present embodiment includes a position information receiving unit 303 that receives information on the vehicle position information transmitted from the vehicle-mounted device, and a travel distance counting unit that counts the travel distance of the vehicle based on the vehicle position information. 304.

  In addition, the center server of the present embodiment includes a travel distance determination unit 305 that determines whether or not the travel distance of the vehicle is within a contracted range for each route, and when the contract needs to be updated, A contract update screen creation unit 306 that creates a contract update screen for each user; In this embodiment, the travel distance is counted and the travel distance is determined by the travel distance count unit 204 and the travel distance determination unit 205 of the vehicle-mounted device, and the travel distance count unit 304 and the travel distance determination unit 305 of the center server. The reason is that the travel distance is counted and judged more accurately than when either one is performed.

  In addition, the center server of the present embodiment receives the contract update screen transmission unit 307 that transmits the created contract update screen to the in-vehicle device, and the contract update information such as the presence / absence and contents of the contract update transmitted from the on-vehicle device. A contract renewal information receiving unit 308, and a contract renewal processing unit 309 that renews the contents of the user's insurance contract stored from the presence / absence and contents of the received contract renewal. Note that at least one function of each unit illustrated in FIG. 3 may be realized by a program stored in the memory cooperating with the CPU.

  Next, the operation of the vehicle-mounted device shown in FIG. 1 will be described with reference to FIG. FIG. 4 is a flowchart of the operation of the vehicle-mounted device shown in FIG. As shown in FIG. 4, first, the vehicle-mounted device turns on the IG and detects the start of driving (referred to as a trip) of the automobile (S401).

  Next, the vehicle-mounted device transmits a travel history (previous trip information) to the center server (S402). Next, the vehicle-mounted device acquires vehicle position information by GPS (S403). Next, the vehicle-mounted device transmits the vehicle position information acquired by GPS to the center server (S404). Next, the vehicle-mounted device counts the travel distance for each route based on the route information indicating the information about the route and the position information of the vehicle acquired by the GPS, for example (S405).

  Next, the vehicle-mounted device determines whether the vehicle travel distance for each road type is within the contract range based on the calculated travel distance count for each road type and contract information stored in a memory or the like. Is determined (S406). Then, when the travel distance is within the contract range (YES), the in-vehicle device shifts to S410, and when the travel distance is not within the contract range (NO), shifts to S407.

Next, in S407, the vehicle-mounted device receives the contract update screen transmitted from the center server. When receiving the contract update screen from the center server, for example, when the mileage is not within the contract range, the vehicle-mounted device may request the center server to transmit the contract update screen, and the contract update needs to be generated. This may be detected by the center server and transmitted to the vehicle-mounted device, or may be transmitted from the center server to the vehicle-mounted device at a predetermined date and time, for example, a predetermined date and time every month.

  Then, the vehicle-mounted device displays the received contract update screen on, for example, a liquid crystal display (S408). Next, the vehicle-mounted device transmits contract update information such as the presence / absence of the contract update and the content to the center server based on the content displayed on the contract update screen (S409). Next, the vehicle-mounted device determines whether the vehicle is stopped and the IG is turned off. If the vehicle is stopped and the IG is turned off (YES), the process proceeds to S411, and the vehicle does not stop or IG If is not off (NO), the process proceeds to S403. In step S411, the vehicle-mounted device creates a travel history file such as a travel route and a travel distance of the car, stores the file in the memory, and ends the operation.

  Next, the operation of the center server shown in FIG. 1 will be described with reference to FIG. FIG. 5 is a flowchart of the operation of the center server shown in FIG. First, the center server receives the travel history transmitted from the vehicle-mounted device (S501).

  Next, the center server updates a history file for each user stored in a database or the like based on the received travel history (S502). Next, the center server receives information on the vehicle position information transmitted from the vehicle-mounted device (S503).

  Next, the center server counts the travel distance for each road type of the vehicle based on the received position information of the vehicle, information on the stored route, and the like (S504). This count is performed, for example, by measuring the travel distance for each road type, such as how many km on a general road and how many km on a highway. Next, the center server determines whether or not the counted mileage is within the contracted range. If it is within the contracted range (YES), the operation is terminated, and the center server is not within the contracted range. (NO), the process proceeds to S506.

  Next, in S506, the center server creates an insurance contract update screen for each user. Then, the center server transmits the created contract update screen to the vehicle-mounted device (S507). Here, the timing at which the contract update screen is transmitted from the center server to the vehicle-mounted device is, for example, when a request for transmission of the contract update screen is received from the vehicle-mounted device, or when the vehicle travels exceeding the contract conditions, It may be a predetermined date and time such as a certain date and time every month. Next, the center server receives contract update information such as the presence / absence and contents of the contract update transmitted from the vehicle-mounted device (S508). Next, the center server executes insurance contract update processing based on the received contract update information (S509), and ends the operation.

  The first embodiment of the insurance contract system according to the present invention will be described in more detail. The vehicle-mounted device of the present embodiment is equipped with a display capable of inputting information. The vehicle-mounted device and the center server can register and update an insurance contract for the center server from the vehicle-mounted device by transmitting and receiving information between them. In addition, the vehicle-mounted device can input information for web search and homepage.

  Further, in the first embodiment of the insurance contract system of the present invention, not only the insurance contract is made from the vehicle-mounted device, but, for example, if an ID is set for each user, the user and the insurance company are connected from a home personal computer. Insurance contracts can be concluded. In addition, the vehicle-mounted device of the present embodiment has a navigation function and a communication function. For example, during the conclusion of an insurance contract, the vehicle-mounted device has a function of periodically transmitting vehicle position information to the center server. Yes.

Here, the communication between the vehicle-mounted device and the center server may be performed at a predetermined time interval or travel distance interval such as every 5 minutes or every 1 km travel distance, or as a device for reducing communication packets. The communication timing is controlled so that communication is performed only at the timing of the change point of the road type, such as when the trip occurs, expressway entrance interchange (hereinafter referred to as IC), exit IC, trip end (IG OFF), etc. Also good. Alternatively, the travel history for each trip may be stored in the memory at the timing of IG OFF and transmitted from the vehicle-mounted device to the center server at the timing of the next IG ON.

  Next, the center server according to the present embodiment detects the incidence of car accidents for each road type based on the received vehicle travel history, and stores information stored in the road-specific accident database storing travel risk information. Update.

  For example, A is a general road travel risk per km, A is a highway travel risk per km, B is a life road travel risk per km, C is a general road travel distance akm, and a highway travel distance is C The travel risk is Aa + Bb + Cc when bkm and the travel distance of the living road are ckm. Here, generally, the risk of causing an accident to a person is C> A> B. In this embodiment, this accident risk may be set individually for each user. In the present embodiment, the travel risk for each road type is stored in the center server, and is updated as appropriate based on the travel history of the vehicle that has received the stored travel risk.

  Next, an insurance contract between the user and the insurance company in this embodiment will be described. As described above, the user concludes an insurance contract using a vehicle-mounted device, a personal computer, or the like, in which the insurance premium changes according to the travel distance of the vehicle for each road type. For example, as a first contract, there is a contract (expressway center contract) in which the mileage of an expressway is within 1000 km and a general road is within 500 km as a first contract, and as a second contract, There is a contract (general road center contract) that the travel distance is within 1500 km. The user arbitrarily selects one of these contracts and concludes an insurance contract with the insurance company. Of course, the contract used in the present invention is not limited to the above two insurance contracts, and various other combinations of road type and mileage can be used.

  In addition, among the above insurance contracts, the first contract (highway center contract) has a lower personal risk, so the insurance premium may be kept lower than the second contract (general road center contract). In the first embodiment of the insurance contract system according to the present invention, when the user tries to run beyond the conditions concluded in the insurance contract, the user is notified that the contract conditions are exceeded, and a new contract is concluded. The user is prompted to update the contract. Here, in the case of this embodiment, when the user tries to run beyond the conditions concluded in the insurance contract, the user is notified that the contract conditions are exceeded, and the user is prompted to conclude a new contract. The present invention is not limited to such a case. For example, the insurance contract may be automatically updated. In this case, the insurance premium after the automatic update may be set in advance.

  Thus, according to the first embodiment of the insurance contract system according to the present invention, the center server can monitor the travel distance for each road type of the vehicle transmitted from the vehicle-mounted device. Since the insurance contract update process can be performed according to the distance and the distance, it is possible to conclude a detailed insurance contract as required by each user.

(Second Embodiment)
Next, a second embodiment of the insurance contract system according to the present invention will be described with reference to the drawings. First, the configuration of the second embodiment of the insurance contract system according to the present invention will be described with reference to FIG. FIG. 6 is a configuration diagram of the second embodiment of the insurance contract system according to the present invention.

  As shown in FIG. 6, the second embodiment of the insurance contract system according to the present invention is mounted on a vehicle or the like and is based on an on-vehicle device 601 that performs various controls, data transmitted from the on-vehicle device 601, and the like. A center server 602 that performs processing such as insurance contract renewal, a mobile communication provider 603 that provides mobile communication services, and a communication network 604 such as the Internet. The function of the center server 602 is realized by one or a plurality of servers.

  The on-vehicle device 601 is mounted on a car, and performs confirmation of various information on the car, exchange of data with the center server 602, and the like. This in-vehicle device 601 functions as a human machine interface (HMI), and includes a display switch 611 to which various types of information are input from the user, and a navigation electronic control unit (ECU) 612 that controls the operation of the in-vehicle device 601. . The display switch 611 adopts, for example, a touch panel method, and can input and select information by touching the screen with a finger or the like.

  The on-vehicle device 601 includes a communication device 613 for exchanging data via the center server 602 and the communication carrier 603, a memory 614 for storing various types of information, a vehicle speed detection, And a vehicle behavior sensor 615 that performs control such as detection of the state of the wheel, detection of acceleration, and position confirmation by the Global Positioning System (GPS).

  The center server 602 manages customer (automobile user) information, insurance contract information management, and performs insurance contract and data update processing based on various data transmitted from the vehicle-mounted device 601. .

  The center server 602 is based on an insurance contract unit 616 that performs insurance contract processing and insurance contract update processing with a customer, and data transmitted from the vehicle-mounted device 601 via the mobile communication carrier 603. A vehicle monitor unit 617 that monitors the position, speed, equipment failure state, running characteristics, and the like of the vehicle.

  Further, the center server 602 includes a customer database 618 for storing various personal information such as a customer's insurance contract status, name, and age, a contract area when the insurance contract is concluded, and contract information of travel characteristics, And an accident database 619 according to traveling characteristics for storing information such as the incidence of accidents.

  Here, the driving characteristics and accident risk of the user used in the second embodiment of the insurance contract system according to the present invention will be described with reference to FIG. FIG. 7 is a table showing an example of a user's driving characteristics and accident risk used in the second embodiment of the insurance contract system according to the present invention. The information in the table shown in FIG. 7 is stored in, for example, the travel characteristic-specific accident database 619 shown in FIG. Further, in FIG. 7, the speed indicates the travel distance per hour, that is, the speed per hour. That is, for example, 20 km means 20 km / h (20 km / h). Further, the table shown in FIG. 7 is calculated on the assumption that the average vehicle speed on the living road is 23 km / h and the stop frequency is once averaged 0.6 times per intersection.

As shown in FIG. 7, in the present embodiment, the average vehicle speed and the stop frequency on the living road are used as the travel characteristics of the user. And in this embodiment, as a life road average vehicle speed, when it is 20 km / h or less, an accident risk is set to 1.0, and when it is 20 km / h to 30 km / h, an accident risk is set to 1.5, If it is 30 km / h or higher, the accident risk is 2.0. Here, the accident risk is a coefficient that is multiplied when the user's insurance premium is calculated. The larger the accident risk figure, the greater the accident rate and the higher the insurance premium.

  In the present embodiment, as the user's travel characteristics, when the stop frequency is once per residential road intersection, the accident risk is 1.0, and the temporary stop frequency is 0 per residential road intersection. If it is 8 or more and 1.0 or less, the accident risk is 1.5. If the stop frequency is 0.5 or more and 0.8 or less per residential road intersection, the accident risk is 2.0. Thus, once the stop frequency is 0.5 or less per residential road intersection, the accident risk is 5.0.

  The accident risk shown in FIG. 7 is used in the updating process of the user's insurance contract. In other words, in the present embodiment, the vehicle-mounted device monitors the running state of each user's car and calculates, for example, the accident risk shown in FIG. 7 every month. Then, based on the calculated accident risk and the running characteristics of the user, it is determined whether or not to update each user's conventional insurance contract. Of course, in the insurance contract system of the present invention, what is used as the driving characteristic is not limited to the average vehicle speed on the street and the frequency of stoppage, but other matters can be used as appropriate.

  Next, the configuration of the internal functions of the vehicle-mounted device 601 shown in FIG. 6 will be described with reference to FIG. FIG. 8 is a block diagram showing an internal configuration of the vehicle-mounted device 601 shown in FIG. As shown in FIG. 8, the vehicle-mounted device of the second embodiment of the insurance contract system according to the present invention transmits various travel history information such as the route, time and distance traveled by the vehicle to the center server. A travel history transmission unit 801, a travel characteristic information acquisition unit 802 that acquires travel characteristic information such as vehicle position information acquired by GPS, a frequency at which a vehicle is temporarily stopped, and road speed, and a travel characteristic information acquisition unit 802. A driving characteristic information transmitting unit 803 for transmitting the acquired driving characteristic information of the vehicle to the center server is provided.

  The vehicle-mounted device of the present embodiment includes a travel characteristic count unit 804 that counts the travel characteristics for each route, a travel characteristic determination unit 805 that determines whether or not the counted travel characteristics are within a contracted range, and A contract update screen receiving unit 806 that receives the contract update screen transmitted from the center server. Here, the travel characteristic information is information indicating how the user's car is traveling, and this information includes, for example, how much the road is temporarily stopped, laws and regulations, etc. This includes the extent to which restrictions (such as legal speed limits) are observed.

  In addition, the in-vehicle device of the present embodiment includes the contract update screen display unit 807 that displays the received contract update screen on, for example, a liquid crystal display, and the presence / absence and contents of the contract update based on the display of the contract update screen displayed on the screen. And a contract update information transmission unit 808 that notifies the center server.

  In addition, the vehicle-mounted device according to the present embodiment stores a stop and IG-off determination unit 809 that determines whether the vehicle is stopped and the ignition (IG) is off, and history such as a vehicle travel characteristic, a travel route, and a travel distance in a memory. A history file storage unit 810. Note that at least one function of each unit illustrated in FIG. 8 may be realized by a program stored in the memory cooperating with the CPU.

  Next, the configuration of the internal functions of the center server 602 shown in FIG. 6 will be described with reference to FIG. FIG. 9 is a block diagram showing an internal configuration of the center server 602 shown in FIG. The center server of this embodiment includes a travel history receiving unit 901 that receives a travel history transmitted from the vehicle-mounted device, and a file update unit that updates a user history file corresponding to the travel history based on the received travel history. 902.

The center server of the present embodiment includes a travel characteristic information receiving unit 903 that receives the travel characteristic information of the vehicle transmitted from the vehicle-mounted device, and a travel characteristic count that counts the travel characteristic of the vehicle based on the travel characteristic information of the vehicle. Part 904.

  In addition, the center server of the present embodiment has a driving characteristic determination unit 905 that determines whether or not the driving characteristic of the vehicle is within a contracted range, and when it is necessary to update the contract, A contract update screen creation unit 906 that creates a contract update screen; In the present embodiment, the travel characteristic count and the travel characteristic determination are performed by the on-board unit travel characteristic count unit 804 and the travel characteristic determination unit 805, and the center server travel characteristic count unit 904 and the travel characteristic determination unit 905, respectively. The reason is that the running characteristics are counted and determined more accurately than when either one is performed.

  In addition, the center server of the present embodiment receives the contract update screen transmission unit 907 that transmits the created contract update screen to the vehicle-mounted device, and contract update information such as the presence / absence and content of the contract update transmitted from the vehicle-mounted device. A contract update information receiving unit 908 and a contract update processing unit 909 that updates the contents of the user's insurance contract stored based on the received contract update information. Note that at least one function of each unit illustrated in FIG. 9 may be realized by a program stored in the memory cooperating with the CPU.

  Next, the operation of the vehicle-mounted device shown in FIG. 6 will be described with reference to FIG. FIG. 10 is a flowchart of the operation of the vehicle-mounted device shown in FIG. As shown in FIG. 10, first, the vehicle-mounted device turns on the IG and detects the start of travel of the automobile (referred to as trip) (S1001).

  Next, the vehicle-mounted device transmits a travel history (previous trip information) to the center server (S1002). Next, the vehicle-mounted device acquires vehicle travel characteristic information using a GPS, an acceleration detector, or the like (S1003). Next, the vehicle-mounted device transmits the acquired vehicle travel characteristic information to the center server (S1004).

  Next, the vehicle-mounted device counts travel characteristics for each route based on route information indicating information about the travel route and vehicle position information acquired by the GPS, for example, in a memory (S1005). This count is information indicating, for example, how many kilometers the vehicle has passed when a predetermined travel route passes.

  Next, the vehicle-mounted device determines whether or not the driving characteristics of the vehicle are within the contract range based on the calculated driving characteristics count and contract information stored in a memory or the like (S1006). This determination is made, for example, by storing the running state of the car in January, calculating how many km the average vehicle speed of the living road was, and the calculated value exceeding the value concluded in the insurance contract. Judgment is based on whether or not there is. Then, the vehicle-mounted device shifts to S1010 when the running characteristic is within the contract range (YES), and shifts to S1007 when it is not within the contract range (NO).

  Next, in S1007, the vehicle-mounted device receives the contract update screen transmitted from the center server. When receiving the contract update screen from the center server, for example, when the running characteristics are not within the scope of the contract, the vehicle-mounted device may request the contract update screen from the center server, or the contract update needs to occur. In addition, the center server may appropriately transmit to the vehicle-mounted device, or may be transmitted from the center server to the vehicle-mounted device at a predetermined date and time.

Then, the vehicle-mounted device displays the received contract update screen on, for example, a liquid crystal display (S1008). Next, the vehicle-mounted device transmits contract update information such as presence / absence of contract update and contents to the center server based on the contents displayed on the contract update screen (S1009). Next, the vehicle-mounted device determines whether the vehicle is stopped and the IG is off. If the vehicle is stopped and the IG is off (YES), the process proceeds to S1011 and the car does not stop or IG If is not off (NO), the process proceeds to S1003. In step S1011, the vehicle-mounted device creates a travel history file such as a travel route and a travel distance of the car, stores the file in the memory, and ends the operation.

  Next, the operation of the center server shown in FIG. 6 will be described with reference to FIG. FIG. 11 is a flowchart of the operation of the center server shown in FIG. First, the center server receives the travel history transmitted from the vehicle-mounted device (S1101).

  Next, the center server updates the history file stored in the database or the like for each user based on the received traveling history (S1102). Next, the center server receives the vehicle travel characteristic information transmitted from the vehicle-mounted device (S1103).

  Next, the center server counts the travel characteristics based on the received travel characteristic information of the vehicle, the map information regarding the stored route, and the like (S1104). For example, the traveling characteristics are counted by counting how many kilometers the vehicle is traveling on a residential road on the route, how much the vehicle has stopped, and the like. Next, the center server determines whether or not the counted traveling characteristic is within the contracted range. If it is within the contracted range (YES), the operation is terminated, and the center server is not within the contracted range. (NO), the process proceeds to S1106. The determination in S1105 is performed based on, for example, whether or not the average vehicle speed on the living road is within a contracted range in the monthly driving state of each user.

  Next, in S1106, the center server creates a contract update screen necessary for each user. Then, the center server transmits the created contract update screen to the vehicle-mounted device (S1107). Here, the timing at which the contract update screen is transmitted from the center server to the vehicle-mounted device is, for example, when there is a request for the contract update screen from the vehicle-mounted device, or when the vehicle travels exceeding the contract conditions, It may be a predetermined date such as a fixed date every month. Next, the center server receives the contract update information such as the presence / absence and contents of the contract update transmitted from the vehicle-mounted device (S1108). Next, the center server executes contract update processing based on the received contract update information (S1109), and ends the operation.

  The operation of the second embodiment of the insurance contract system according to the present invention will be described in more detail. The on-board device of the present embodiment is equipped with a display capable of inputting information, and information is transmitted and received between the on-board device and the center server, so that the insurance contract can be registered and updated from the on-board device. ing. The vehicle-mounted device can input information for web search and homepage.

  In the insurance contract system of the present embodiment, not only the insurance contract is made from the vehicle-mounted device, but if an ID is set for each user, for example, the user can conclude an insurance contract with an insurance company even from a home personal computer. . Moreover, the onboard equipment of this embodiment has a navigation function and a communication function, for example, has the function which can transmit a positional information regularly to a center server, when the insurance contract is concluded. Here, the communication between the vehicle-mounted device and the center server may be performed at a predetermined time interval or travel distance interval such as every 5 minutes or every 1 km travel distance, or as a device for reducing communication packets. The communication timing may be controlled so that the communication is performed only at the timing of the change point of the road type change such as the trip occurrence time, the highway entrance IC, the exit IC, and the trip end (IG OFF). Alternatively, the travel history for each trip may be stored in the memory at the timing of IG OFF and transmitted from the vehicle-mounted device to the center server at the timing of the next IG ON.

Thus, according to the second embodiment of the insurance contract system according to the present invention, the center server can monitor the traveling state of the vehicle based on the traveling characteristics of the vehicle transmitted from the vehicle-mounted device. Since the insurance contract can be updated according to the driving characteristics of the car, it is possible to conclude a detailed insurance contract as required by each user.

(Third embodiment)
First, a third embodiment of an insurance contract system according to the present invention will be described with reference to the drawings. First, with reference to FIG. 12, the structure of 3rd Embodiment of the insurance contract system which concerns on this invention is demonstrated. FIG. 12 is a configuration diagram of the third embodiment of the insurance contract system according to the present invention.

  As shown in FIG. 12, the third embodiment of the insurance contract system according to the present invention is mounted on a vehicle or the like and is based on an on-vehicle device 1201 that performs various controls, data transmitted from the on-vehicle device 1201, and the like. The center server 1202 performs processing such as insurance contract renewal, the mobile communication carrier 1203 that provides mobile communication services, and a communication network 1204 such as the Internet.

  The vehicle-mounted device 1201 is mounted on a vehicle, and performs confirmation of various information of the vehicle, exchange of data with the center server 1202, and the like. The vehicle-mounted device 1201 includes a display switch 1211 to which various types of information that functions as a human machine interface (HMI) are input from a user, and a navigation electronic control unit (ECU) 1212 that controls the operation of the vehicle-mounted device 1201.

  Further, the vehicle-mounted device 1201 displays information such as whether or not a communication device 1213 for transmitting and receiving data via the center server 1202 and the communication carrier 1203 and a device such as an ABS installed in the vehicle have failed. A vehicle safety control system 1214 to detect, a vehicle behavior sensor 1215 that performs control such as vehicle speed detection, wheel state detection, acceleration detection, and global positioning system (GPS) position confirmation, And a memory 1216 for storing information.

  The center server 1202 manages customer (automobile user) information, manages insurance contract information, and performs insurance contract and data update processing based on various data transmitted from the vehicle-mounted device 1201. Do. The center server 1202 may have a function realized by one or a plurality of servers.

  The center server 1202 has an insurance contract unit 1217 that performs insurance contract processing and insurance contract update processing with a customer, and data transmitted from the vehicle-mounted device 1201 via the mobile communication carrier 1203. And a vehicle monitor unit 1218 that monitors equipment failure status, vehicle position, speed, and the like.

  Furthermore, the center server 1202 includes a customer database 1219 that stores various personal information such as a customer's insurance policy status, name, and age, and a user vehicle data diagnosis determination system 1220 that determines a diagnosis about the user's car.

  Next, the configuration of the internal functions of the vehicle-mounted device 1201 shown in FIG. 12 will be described with reference to FIG. FIG. 13 is a block diagram showing an internal configuration of the vehicle-mounted device 1201 shown in FIG. As shown in FIG. 13, the vehicle-mounted device of the third embodiment of the insurance contract system according to the present invention collects a diagnosis that is information on a failure state of the vehicle such as a failure state of the equipped ABS. 1301 and a diagnostic transmission unit 1302 that transmits the collected diagnostic information to the center server.

  Further, the vehicle-mounted device of the present embodiment is based on the collected diagnostic information, for example, a diagnostic determination unit 1303 that determines a failure state of the vehicle such as whether or not the failure requires an update on an insurance contract, A contract update screen receiving unit 1304 for receiving the contract update screen transmitted from the center server;

  In addition, the vehicle-mounted device according to the present embodiment includes the contract update screen display unit 1305 that displays the received contract update screen on a liquid crystal display, for example, and the presence / absence and contents of the contract update based on the display of the contract update screen displayed on the screen. A contract update information transmission unit 1306 for notifying the center server of the contract update information.

  In addition, the vehicle-mounted device of the present embodiment includes a stop and IG off determination unit 1307 that determines whether the vehicle is stopped and ignition (IG) is off, and a history file that stores history such as the travel route and travel distance of the vehicle in a memory or the like. A storage unit 1308. Note that at least one function of each unit shown in FIG. 13 may be realized by a program stored in the memory cooperating with the CPU.

  Next, the configuration of the internal functions of the center server 1202 shown in FIG. 12 will be described with reference to FIG. FIG. 14 is a block diagram showing an internal configuration of the center server 1202 shown in FIG. The center server of this embodiment includes a diagnosis receiving unit 1401 that receives information on a diagnosis transmitted from the vehicle-mounted device, and a diagnosis determination unit 1402 that determines a failure state of the user's vehicle based on the received diagnosis. This determination is based on, for example, the received diagnostic information to determine whether or not the failure requires an update on the insurance contract. In this embodiment, the diagnosis is performed by each of the diagnosis determination unit 1303 of the vehicle-mounted device and the diagnosis determination unit 1402 of the center server, which is more accurate than when the determination of the diagnosis is performed by either one. This is to carry out well.

  In addition, the center server of the present embodiment has a contract update screen creation unit 1403 that creates a contract update screen for each user when the contract needs to be updated, and the created contract update screen on the vehicle-mounted device. The contract update screen transmission unit 1404 to transmit, the contract update information reception unit 1405 to receive contract update information such as the presence / absence and contents of the contract update transmitted from the vehicle-mounted device, and stored based on the received contract update information A contract update processing unit 1406 for updating the contents of the user's insurance contract; Note that at least one function of each unit illustrated in FIG. 14 may be realized by a program stored in the memory cooperating with the CPU. Here, the timing at which the contract update screen is transmitted from the center server to the vehicle-mounted device is, for example, when a request for transmission of the contract update screen is received from the vehicle-mounted device, or when the vehicle travels exceeding the contract conditions, It may be a predetermined date and time such as a certain date and time every month.

  Next, the operation of the vehicle-mounted device shown in FIG. 12 will be described with reference to FIG. FIG. 15 is a flowchart of the operation of the vehicle-mounted device shown in FIG. As shown in FIG. 15, first, the vehicle-mounted device detects the on-time of the automobile (referred to as trip) by detecting the on-state of the IG (S1501).

  Next, the vehicle-mounted device collects information on the diagnosis (S1502). Next, the vehicle-mounted device transmits information on the acquired vehicle diagnosis to the center server (S1503). Next, the vehicle-mounted device determines whether or not the state of the diagnosis is within the range of the insurance contract based on the information about the contracted diagnosis and the collected diagnosis information, for example, in a memory (S1504). Next, when the state of the diagnosis is within the contract range (YES), the vehicle-mounted device shifts to S1508, and when not in the contract range (NO), shifts to S1505.

  Next, the vehicle-mounted device receives the contract update screen transmitted from the center server in S1505. The contract update screen can be received from the center server, for example, when the status of the diagnosis is not within the contract range, the in-vehicle device may request the contract server to receive the contract update screen and receive the contract update. The contract renewal screen sent from the center server to the in-vehicle device may be received as appropriate when the occurrence occurs. For example, the contract renewal screen sent from the center server to the on-vehicle device at a predetermined date and time such as a predetermined date every month. You may do that.

  Then, the vehicle-mounted device displays the received contract update screen on, for example, a liquid crystal display (S1506). Next, the vehicle-mounted device transmits the contract update information such as the presence / absence of the contract update and the content to the center server based on the content displayed on the contract update screen (S1507). Next, the vehicle-mounted device determines whether the vehicle is stopped and the IG is turned off. If the vehicle is stopped and the IG is turned off (YES), the process proceeds to S1509, and the car does not stop or IG If is not off (NO), the process proceeds to S1502 (S1508). In step S1509, the vehicle-mounted device creates a travel history file such as a travel route and a travel distance of the car, stores the file in the memory, and ends the operation.

  Next, the operation of the center server shown in FIG. 12 will be described with reference to FIG. FIG. 16 is a flowchart of the operation of the center server shown in FIG. First, the center server receives information on the status of the diagnosis transmitted from the vehicle-mounted device (S1601).

  Next, the center server determines whether or not the diagnostic status is within the contract range based on the received diagnostic information of the vehicle diagnosis and the contract information of the stored vehicle diagnostic, If it is within the contract range (YES), the operation is terminated, and if it is not within the contract range (NO), the process proceeds to S1603.

  Next, in S1603, the center server creates a contract update screen necessary for each user. Then, the center server transmits the created contract update screen to the vehicle-mounted device (S1604). Here, the timing at which the contract update screen is transmitted from the center server to the vehicle-mounted device is, for example, when a request for transmission of the contract update screen is received from the vehicle-mounted device, or when the vehicle travels exceeding the contract conditions, It may be a predetermined date and time such as a certain date and time every month. Next, the center server receives the contract update information such as the presence / absence and contents of the contract update transmitted from the vehicle-mounted device (S1605). Next, the center server executes contract update processing based on the received contract update information (S1606), and ends the operation. The insurance contract update process in S1606 may be performed, for example, when the driving state of the vehicle exceeds the conditions of the insurance contract, or may be performed on a predetermined date every month.

  As described above, according to the third embodiment of the insurance contract system according to the present invention, the center server monitors the failure state of the vehicle equipment or the like based on the information of the vehicle diagnosis transmitted from the vehicle-mounted device. Since the insurance contract can be updated according to the failure state such as the equipment of the car, it is possible to conclude a detailed insurance contract as required by each user.

  The operation of the third embodiment of the insurance contract system according to the present invention will be described in more detail. The on-board device of the present embodiment is equipped with a display capable of inputting information, and information is transmitted and received between the on-board device and the center server, so that the insurance contract can be registered and updated from the on-board device. ing. The vehicle-mounted device can input information for web search and homepage.

Further, in the insurance contract system of the present invention, not only the insurance contract is made from the vehicle-mounted device, but the insurance contract can be made even from a home personal computer by setting an ID for each user, for example. Moreover, the onboard equipment of this embodiment has a navigation function and a communication function, for example, has a function which transmits a positional information regularly to a center server, when the insurance contract is concluded. Here, the communication between the vehicle-mounted device and the center server may be performed at a predetermined time interval or travel distance interval such as every 5 minutes or every 1 km travel distance, or as a device for reducing communication packets. The communication timing may be controlled so that the communication is performed only at the timing of the change point of the road type change such as the trip occurrence time, the expressway entrance IC, the exit IC, and the trip end (IG OFF). Alternatively, the travel history for each trip may be stored in the memory at the timing of IG OFF and transmitted from the vehicle-mounted device to the center server at the timing of the next IG ON.

  The vehicle-mounted device of the present embodiment has a function of collecting the current diagnosis state of the vehicle and transmitting it to the center server. Further, the center server of the present embodiment holds the insurance contract conditions of each user, and determines whether or not it matches the insurance contract in the current diagnostic state.

  Then, in the vehicle monitoring unit of the center server, when the state of the vehicle diagnosis does not match the insurance contract, or when the user's consent is obtained in advance, the insurance contents are updated to both the insurance company and the user. Send a message.

  At this time, the vehicle side displays a web page for insurance contract renewal work. In the present embodiment, the user is informed that the vehicle will exceed the contract conditions (ABS mounting, AB mounting, etc.), that is, when the vehicle is traveling in a state of failure, the user will travel exceeding the contract conditions, and the insurance contract. Prompt the user to update In this embodiment, the insurance contract may be automatically updated when the contracted conditions are exceeded. In this case, it is advisable to set the insurance premium after automatic updating in advance.

  In the embodiment of the insurance contract system according to the present invention, the travel route, the travel characteristics, and the equipment state of the car are set as the conditions for calculating the insurance premium of the insurance contract. However, the present invention is limited to such a case. For example, a travel area such as within a certain radius from a certain point or within a specific municipality is used as a condition for an insurance contract, instead of the condition of each of the above embodiments or with the conditions of each of the above embodiments. Also good. In this case, for example, in the first embodiment of the insurance contract system according to the present invention, the travel area is replaced with the travel route or used together with the travel route. In this case, the vehicle-mounted device measures the travel area of the user's car by GPS, and when the center server travels the travel area where the user's car is contracted for a predetermined distance or more, the insurance contract is updated. Also good. In this case, the center server may be provided with a database storing the accident occurrence rate based on the traveling area of the vehicle, and the insurance contract may be updated according to the accident occurrence rate stored in the database.

  Thus, when the driving area is a condition for calculating the insurance premium of the insurance contract, the user first concludes a life commuter service in which the insurance company and the user contract for driving the car in the predetermined area. Make area setting contracts with insurance companies in Aichi Prefecture, Toyota City or within 30km of home.

  Furthermore, in the insurance contract system according to the present invention, the mileage of the car in a predetermined time zone is set as a condition for calculating the insurance premium of the insurance contract, and instead of the conditions of the above embodiments or together with the conditions of the above embodiments. May be used. In this case, the user concludes an insurance contract in advance in which a travel distance is set for each travel time zone with an insurance company. The vehicle-mounted device measures the time zone and the travel distance in which the vehicle has traveled by GPS, and transmits the travel time zone and the travel distance to the center server. The center server includes a database of accident occurrence rates in a predetermined time zone, and performs an insurance contract update process based on the travel distance in each travel time zone of the car.

Here, in each embodiment of the insurance contract system according to the present invention, the insurance contract may be renewed when the contract condition is exceeded, or a predetermined date such as a predetermined date every month or a predetermined date every year is specified. The contract may be renewed every unit time according to the driving state per unit time such as the previous month or every year.

It is a lineblock diagram of a 1st embodiment of an insurance contract system concerning the present invention. It is a block diagram which shows the internal structure of the onboard equipment shown by FIG. It is a block diagram which shows the internal structure of the center server shown by FIG. It is a flowchart of operation | movement of the onboard equipment shown by FIG. It is a flowchart of operation | movement of the center server shown by FIG. It is a block diagram of 2nd Embodiment of the insurance contract system which concerns on this invention. It is a table | surface which shows an example of a user's driving | running | working characteristic and accident risk used in 2nd Embodiment of the insurance contract system which concerns on this invention. It is a block diagram which shows the internal structure of the onboard equipment shown by FIG. It is a block diagram which shows the internal structure of the center server shown by FIG. It is a flowchart of operation | movement of the onboard equipment shown by FIG. It is a flowchart of operation | movement of the center server shown by FIG. It is a block diagram of 3rd Embodiment of the insurance contract system which concerns on this invention. It is a block diagram which shows the internal structure of the onboard equipment shown by FIG. It is a block diagram which shows the internal structure of the center server shown by FIG. It is a flowchart of operation | movement of the onboard equipment shown by FIG. It is a flowchart of operation | movement of the center server shown by FIG.

Explanation of symbols

101 On-board unit (mobile unit mounting unit)
102 Center server (server)
103 Mobile Communication Operator 104 Communication Network 111 Display Switch 112 Navigation Electronic Control Unit (ECU)
DESCRIPTION OF SYMBOLS 113 Communication apparatus 114 Memory 115 Vehicle behavior sensor 116 Insurance contract part 117 Vehicle monitor part 118 Customer database 119 Accident database according to route 201 Traveling history transmission part 202 Position information acquisition part (position information acquisition means)
203 position information transmission part (position information transmission means)
204 Travel Distance Counting Unit 205 Travel Distance Determination Unit 206 Contract Update Screen Receiving Unit 207 Contract Update Screen Display Unit (Contract Update Screen Display Means)
208 Contract update information transmission unit (contract update information transmission means)
209 Stop and IG OFF determination unit 210 History file storage unit 301 Travel history reception unit 302 File update unit 303 Position information reception unit 304 Travel distance count unit 305 Travel distance determination unit (determination unit)
306 Contract update screen creation unit (contract update screen creation means)
307 Contract update screen transmission unit (contract update screen transmission means)
308 Contract update information receiving unit (contract update information receiving means)
309 Contract update processing unit (contract update processing means)
601 On-vehicle equipment (mobile equipment)
602 Center server (server)
603 Mobile communication carrier 604 Communication network 611 Display switch 612 Navigation Electronic Control Unit (ECU)
613 Communication device 614 Memory 615 Vehicle behavior sensor 616 Insurance contract section 617 Vehicle monitor section 618 Customer database 619 Accident database classified by travel characteristics 801 Travel history transmission section 802 Travel characteristics information acquisition section (travel characteristics information acquisition means)
803 Driving characteristic information transmission unit (driving characteristic information transmission means)
804 Travel characteristic count unit 805 Travel distance determination unit 806 Contract update screen reception unit 807 Contract update screen display unit (contract update screen display means)
808 Contract update information transmission unit (contract update information transmission means)
809 Stop and IG OFF determination unit 810 History file storage unit 901 Travel history reception unit 902 File update unit 903 Travel characteristic information reception unit 904 Travel characteristic count unit 905 Travel characteristic determination unit (travel characteristic determination unit)
906 Contract update screen creation unit (contract update screen creation means)
907 Contract update screen transmission unit (contract update screen transmission means)
908 Contract update information receiving unit (contract update information receiving means)
909 Contract update processing unit (contract update processing means)
1201 On-vehicle equipment (mobile equipment)
1202 Center server (server)
1203 Mobile operator 1204 Communication network 1211 Display switch 1212 Navigation Electronic Control Unit (ECU)
1213 Communication Device 1214 Car Safety Control System 1215 Vehicle Behavior Sensor 1216 Memory 1217 Insurance Contracting Unit 1218 Vehicle Monitoring Unit 1219 Customer Database 1220 User Vehicle Data Diag Judgment System 1301 Diag Collecting Unit (Failure Status Collecting Unit)
1302 Diagram transmission unit (failure state transmission means)
1303 Diagnosis determination unit 1304 Contract update screen reception unit 1305 Contract update screen display unit (contract update screen display means)
1306 Contract update information transmission unit (contract update information transmission means)
1307 Stop and IG OFF determination unit 1308 History file storage unit 1401 Diag reception unit 1402 Diag determination unit (failure state determination means)
1403 Contract update screen creation unit (contract update screen creation means)
1404 Contract update screen transmission unit (contract update screen transmission means)
1405 Contract update information receiving unit (contract update information receiving means)
1406 Contract update processing unit (contract update processing means)

Claims (18)

An insurance contract system that concludes an insurance contract for traveling of the mobile body, comprising a mobile body mounted device mounted on a mobile body, and a server that transmits and receives information to and from the mobile body mounting device,
The mobile body mounting device is:
Position information acquisition means for acquiring position information of the moving body;
Position information transmitting means for transmitting the acquired position information of the moving body to the server;
Contract update screen display means for displaying an insurance contract update screen transmitted from the server;
Contract update information transmitting means for transmitting, to the server, contract update information of an insurance contract for traveling of the mobile body based on the content displayed on the contract update screen;
The server
Determination means for determining whether the travel distance of the mobile body is within the range of an insurance contract based on the position information of the mobile body transmitted from the mobile body mounting device;
A contract update screen creating means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit, based on a determination result of the determination means;
Contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit;
Contract update information receiving means for receiving contract update information transmitted from the mobile unit;
An insurance contract system comprising: contract update processing means for performing an insurance contract update process based on the received contract update information. In an insurance contract system consisting of a mobile unit mounted on a mobile unit and a server that transmits and receives information to and from the mobile unit, an insurance contract method for concluding an insurance contract for traveling of the mobile unit,
The mobile body mounting device is
A position information acquisition step of acquiring position information of the mobile body;
A position information transmission step of transmitting the acquired position information of the moving body to the server;
A contract update screen display step for displaying an update screen of the insurance contract transmitted from the server;
A contract update information transmission step of transmitting, to the server, contract update information of an insurance contract for travel of the mobile body based on the content displayed on the contract update screen;
The server is
A determination step of determining whether or not the travel distance of the mobile body is within the range of an insurance contract based on the position information of the mobile body transmitted from the mobile body mounting device;
Based on the determination result in the determination step, a contract update screen creating step for creating a contract update screen for an insurance contract to be transmitted to the mobile unit,
A contract update screen transmission step for transmitting the contract update screen created in the contract update screen creation step to the mobile unit;
Contract update information receiving step for receiving contract update information transmitted from the mobile unit,
An insurance contract method comprising: a contract update processing step of performing an insurance contract update process based on the received contract update information. A mobile unit mounting device mounted on a mobile unit,
Position information acquisition means for acquiring position information of the moving body;
Position information transmitting means for transmitting the acquired position information of the moving body to a server;
Contract update screen display means for displaying an insurance contract update screen transmitted from the server;
A mobile unit mounting device comprising: contract update information transmitting means for transmitting, to the server, contract update information of an insurance contract for travel of the mobile unit based on the content displayed on the contract update screen. A server that transmits and receives information to and from a mobile unit mounted on a mobile unit,
Determination means for determining whether the travel distance of the mobile body is within the range of an insurance contract based on the position information of the mobile body transmitted from the mobile body mounting device;
A contract update screen creating means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit, based on a determination result of the determination means;
Contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit;
Contract update information receiving means for receiving contract update information transmitted from the mobile unit;
A server comprising contract update processing means for performing insurance contract update processing based on the received contract update information. A mobile unit loader mounted on a mobile unit
Position information acquisition means for acquiring position information of the mobile body;
Position information transmitting means for transmitting the acquired position information of the moving body to a server;
Contract update screen display means for displaying an insurance contract update screen transmitted from the server, and
An insurance contract program for functioning as contract update information transmitting means for transmitting, to the server, contract update information of an insurance contract for travel of the mobile body based on the content displayed on the contract update screen. A server that sends and receives information to and from a mobile unit mounted on a mobile unit
Determination means for determining whether or not the travel distance of the mobile body is within an insurance contract range based on the position information of the mobile body transmitted from the mobile body mounting device,
Contract update screen creation means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on the determination result of the determination means;
Contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit;
Contract update information receiving means for receiving contract update information transmitted from the mobile unit, and
An insurance contract program for functioning as contract update processing means for updating an insurance contract based on the received contract update information. An insurance contract system that concludes an insurance contract for traveling of the mobile body, comprising a mobile body mounted device mounted on a mobile body, and a server that transmits and receives information to and from the mobile body mounting device,
The mobile body mounting device is:
Driving characteristic information acquisition means for acquiring driving characteristic information of the mobile body;
Traveling characteristic information transmitting means for transmitting the acquired traveling characteristic information of the moving body to the server;
Contract update screen display means for displaying an insurance contract update screen transmitted from the server;
Contract update information transmitting means for transmitting, to the server, contract update information of an insurance contract for traveling of the mobile body based on the content displayed on the contract update screen;
The server
Travel characteristic determination means for determining whether or not the travel characteristic of the mobile body is within the scope of an insurance contract based on the travel characteristic information of the mobile body transmitted from the mobile body mounting device;
Contract update screen creation means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on the determination result of the travel characteristic determination means;
Contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit;
Contract update information receiving means for receiving contract update information transmitted from the mobile unit;
An insurance contract system comprising: contract update processing means for performing an insurance contract update process based on the received contract update information. In an insurance contract system consisting of a mobile unit mounted on a mobile unit and a server that transmits and receives information to and from the mobile unit, an insurance contract method for concluding an insurance contract for traveling of the mobile unit,
The mobile body mounting device is
A travel characteristic information acquisition step of acquiring travel characteristic information of the mobile body;
A traveling characteristic information transmitting step of transmitting the acquired traveling characteristic information of the moving body to the server;
A contract update screen display step for displaying an update screen of the insurance contract transmitted from the server;
A contract update information transmission step of transmitting, to the server, contract update information of an insurance contract for travel of the mobile body based on the content displayed on the contract update screen;
The server is
A travel characteristic determination step for determining whether or not the travel characteristic of the mobile body is within an insurance contract range based on the travel characteristic information of the mobile body transmitted from the mobile body mounting device;
Based on the determination result in the running characteristic determination step, a contract update screen creation step for creating a contract update screen for an insurance contract to be transmitted to the mobile unit,
A contract update screen transmission step for transmitting the contract update screen created in the contract update screen creation step to the mobile unit;
Contract update information receiving step for receiving contract update information transmitted from the mobile unit,
An insurance contract method comprising: a contract update processing step of performing an insurance contract update process based on the received contract update information. A mobile unit mounting device mounted on a mobile unit,
Driving characteristic information acquisition means for acquiring driving characteristic information of the mobile body;
Traveling characteristic information transmitting means for transmitting the acquired traveling characteristic information of the moving body to a server;
Contract update screen display means for displaying an insurance contract update screen transmitted from the server;
A mobile unit mounting device comprising: contract update information transmitting means for transmitting, to the server, contract update information of an insurance contract for travel of the mobile unit based on the content displayed on the contract update screen. A server that transmits and receives information to and from a mobile unit mounted on a mobile unit,
Travel characteristic determination means for determining whether or not the travel characteristic of the mobile body is within the scope of an insurance contract based on the travel characteristic information of the mobile body transmitted from the mobile body mounting device;
Contract update screen creation means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on the determination result of the travel characteristic determination means;
Contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit;
Contract update information receiving means for receiving contract update information transmitted from the mobile unit;
A server comprising contract update processing means for performing insurance contract update processing based on the received contract update information. A mobile unit loader mounted on a mobile unit
Driving characteristic information acquiring means for acquiring driving characteristic information of the mobile body;
Traveling characteristic information transmitting means for transmitting the acquired traveling characteristic information of the moving body to a server;
Contract update screen display means for displaying an insurance contract update screen transmitted from the server, and
An insurance contract program that functions as contract update information transmission means for transmitting contract update information of an insurance contract for travel of the mobile body to the server based on the content displayed on the contract update screen. A server that sends and receives information to and from a mobile unit mounted on a mobile unit
Travel characteristic determination means for determining whether or not the travel characteristic of the mobile body is within the range of an insurance contract based on the travel characteristic information of the mobile body transmitted from the mobile body mounting device;
Contract update screen creation means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on the determination result of the travel characteristic determination means;
Contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit;
Contract update information receiving means for receiving contract update information transmitted from the mobile unit, and
An insurance contract program for functioning as contract update processing means for updating an insurance contract based on the received contract update information. An insurance contract system that concludes an insurance contract for traveling of the mobile body, comprising a mobile body mounted device mounted on a mobile body, and a server that transmits and receives information to and from the mobile body mounting device,
The mobile body mounting device is:
A failure state collecting means for collecting information on a failure state of the mobile body;
Failure state transmitting means for transmitting the acquired information on the failure state of the moving body to the server;
Contract update screen display means for displaying an insurance contract update screen transmitted from the server;
Contract update information transmitting means for transmitting, to the server, contract update information of an insurance contract for traveling of the mobile body based on the content displayed on the contract update screen;
The server
Failure state determination means for determining whether or not the failure state of the mobile body is within the scope of an insurance contract based on the information on the failure state of the mobile body transmitted from the mobile body mounting device;
Based on the determination result of the failure state determination means, a contract update screen creating means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit,
Contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit;
Contract update information receiving means for receiving contract update information transmitted from the mobile unit;
An insurance contract system comprising: contract update processing means for performing an insurance contract update process based on the received contract update information. In an insurance contract system consisting of a mobile unit mounted on a mobile unit and a server that transmits and receives information to and from the mobile unit, an insurance contract method for concluding an insurance contract for traveling of the mobile unit,
The mobile body mounting device is
A failure state collecting step of collecting information on a failure state of the mobile body;
A failure state transmission step of transmitting information of the acquired failure state of the moving body to the server;
A contract update screen display step for displaying an update screen of the insurance contract transmitted from the server;
A contract update information transmission step for transmitting to the server whether or not to perform an insurance contract update process for the travel of the mobile body based on the content displayed on the contract update screen;
The server is
A failure state determination step of determining whether or not the failure state of the mobile body is within the scope of an insurance contract based on the information on the failure state of the mobile body transmitted from the mobile body mounting device;
Based on the determination result in the failure state determination step, a contract update screen creation step for creating a contract update screen for an insurance contract to be transmitted to the mobile unit,
A contract update screen transmission step for transmitting the contract update screen created in the contract update screen creation step to the mobile unit;
Contract update information receiving step for receiving contract update information transmitted from the mobile unit,
An insurance contract method comprising: a contract update processing step of performing an insurance contract update process based on the received contract update information. A mobile unit mounting device mounted on a mobile unit,
A failure state collecting means for collecting information on a failure state of the mobile body;
Failure state transmitting means for transmitting the acquired information on the failure state of the moving body to a server;
Contract update screen display means for displaying an insurance contract update screen transmitted from the server;
A mobile unit mounting device comprising: contract update information transmitting means for transmitting, to the server, contract update information of an insurance contract for travel of the mobile unit based on the content displayed on the contract update screen. A server that transmits and receives information to and from a mobile unit mounted on a mobile unit,
Failure state determination means for determining whether or not the failure state of the mobile body is within the scope of an insurance contract based on the information on the failure state of the mobile body transmitted from the mobile body mounting device;
Based on the determination result of the failure state determination means, a contract update screen creating means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit,
Contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit;
Contract update information receiving means for receiving contract update information transmitted from the mobile unit;
A server comprising contract update processing means for performing insurance contract update processing based on the received contract update information. A mobile unit loader mounted on a mobile unit
A failure state collecting means for collecting information on a failure state of the mobile body;
A failure state transmission means for transmitting the acquired information on the failure state of the moving body to the server;
Contract update screen display means for displaying an insurance contract update screen transmitted from the server, and
An insurance contract program for functioning as contract update information transmitting means for transmitting, to the server, contract update information of an insurance contract for travel of the mobile body based on the content displayed on the contract update screen. A server that sends and receives information to and from a mobile unit mounted on a mobile unit
Failure state determination means for determining whether or not the failure state of the mobile body is within the scope of an insurance contract based on the information on the failure state of the mobile body transmitted from the mobile body mounting device;
Contract update screen creation means for creating a contract update screen for an insurance contract to be transmitted to the mobile unit based on the determination result of the failure state determination means,
Contract update screen transmission means for transmitting the contract update screen created by the contract update screen creation means to the mobile unit;
Contract update information receiving means for receiving contract update information transmitted from the mobile unit, and
An insurance contract program for functioning as contract update processing means for updating an insurance contract based on the received contract update information.

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