JP2008021204A - User driving state collection/analysis system, user portable terminal, and user driving state collecting/analyzing method and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To analyze a user's driving state and to calculate an insurance premium of an automobile insurance corresponding to the driving state only by transmitting location information to an insurance company server from a user portable terminal for a fixed period. <P>SOLUTION: A location information report period notified from the insurance company server 30 is stored in the user portable terminal 10, the user portable terminal 10 acquires the present date information when receiving engine start information from an onboard device 20, the acquired present date is collated to find whether to be included in the location information report period, location information is periodically acquired and transmitted to the insurance company server 30 when included, the user portable terminal 10 stops acquiring and transmitting the location information when receiving engine stop information from the onboard device 20, and the insurance company server 30 receives and stores the location information during the location information report period, analyzes a driving state on the basis of the stored location information, calculates an insurance premium on the basis of the analyzed driving state and notifies the user portable terminal 10 of the insurance premium. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a user driving situation collection / analysis system, a user portable terminal, a user driving situation collection / analysis method, and a program for analyzing a driving situation using position information when driving a car.

Conventionally, insurance premiums are determined according to the user's age, experience, purpose of use of the vehicle, vehicle type, etc., but other factors that lead to accidents, such as information on driving hours and travel areas, etc. It was not taken into account. An example in which the information such as the driving time and the driving area is considered as a factor for calculating the insurance fee is described in Japanese Patent Laid-Open No. 2003-6439 (Patent Document 1). In this Patent Document 1,
-The in-vehicle device analyzes the driving performance information such as travel time, travel path, travel speed, etc. from the location information during driving and current time information and records it in the storage device,
-When applying for insurance for a single trip, the user sends to the insurance provider server the route information from the current location to the destination where the vehicle will travel and the driving performance information recorded in the storage device.
-The insurance company server calculates the insurance fee for one trip based on accident information and driving performance information on the driving route.
It is described.

Japanese Patent Laying-Open No. 2003-6439 (paragraphs “0020”, “0040” to “0045”, FIG. 1)

  In Patent Document 1 described above, since the driving record information used for calculating the insurance fee is provided from the in-vehicle device to the insurance company server, the analysis and recording function of the driving record information is not provided on the in-vehicle device side. There is a problem of not becoming. In addition, since the driving performance information is stored in the in-vehicle device, for example, there may be a problem that the insurance result is provided so as to be tampered with so that the insurance fee is reduced.

  In Patent Document 1 described above, since the in-vehicle device analyzes and records the driving performance information every time it is driven, the driving performance information is continuously recorded in a situation where it is not known when it is necessary. There is a problem that efficient operation result information cannot be obtained.

  An object of the present invention is to provide a user driving situation collection / analysis system, a user portable terminal, a user driving situation collection / analysis method, and a program that solve the above problems.

A first user driving situation collection / analysis system of the present invention is a user driving situation collection / analysis system including a user portable terminal, an in-vehicle device installed in a user's car, and an insurance company server,
The user portable terminal includes means for registering a position information reporting period notified from the insurance company server, means for receiving engine start information or engine stop information from the in-vehicle device, and current date when engine start information is received. Means for acquiring information and collating whether the acquired current date is included in the position information reporting period, and if it is included, the position information is periodically acquired until engine stop information is received, and the insurance Means for transmitting to the company server,
The in-vehicle device has means for detecting engine start and transmitting engine start information to the user portable terminal, and means for detecting engine stop and transmitting engine stop information to the user portable terminal,
The insurance company server refers to user information registered in advance, means for transmitting a location information request notification including a location information report period to a user portable terminal of the corresponding user before a predetermined period of the insurance contract end date of the subscription, Means for accumulating position information received from the user portable terminal in a database; means for referring to the user information to analyze a driving situation of a user whose position information reporting period has passed; and analyzing the driving situation And a means for transmitting the analyzed driving situation and the next period insurance fee to the user portable terminal.

  In the second user driving situation collection / analysis system of the present invention, in the first user driving situation collection / analysis system of the present invention, the insurance company server registers in advance points weighted according to the driving situation, It is characterized in that the registered points corresponding to the analyzed driving situation are acquired, and the next insurance fee is calculated based on the acquired points and the basic fee of the insurance being enrolled.

  According to a third user driving situation collection / analysis system of the present invention, in the first or second user driving situation collection / analysis system of the present invention, the driving situation includes a driving time, a driving distance, and a risk area driving day. It is characterized by.

  According to a fourth user driving situation collection / analysis system of the present invention, in the first, second or third user driving situation collection / analysis system of the present invention, the insurance company server receives position information from the user portable terminal. Whether the user is a location information report target user at the time of reception is determined by comparing the current date with the location information report period of the corresponding user, and if the user is a location information report target, the location information is stored in the database. It is characterized by that.

  A fifth user driving situation collection / analysis system according to the present invention is the user driving situation collection / analysis system according to any one of the first to fourth aspects of the present invention, wherein communication between the user portable terminal and the in-vehicle device is a short distance. It is performed by wireless communication, and communication between the user portable terminal and the insurance company server is performed via the Internet.

The first user portable terminal of the present invention is a user portable terminal connected to an in-vehicle device installed in a user's automobile and an insurance company server,
Means for registering a position information reporting period notified from the insurance company server; means for receiving engine start information or engine stop information from the in-vehicle device; and acquiring current date information when receiving the engine start information. Means for verifying whether the current date is included in the position information report period, and means for periodically acquiring position information and receiving the information until the engine stop information is received if it is included And have.

  In the second user portable terminal of the present invention, in the first user portable terminal of the present invention, communication with the in-vehicle device is performed by short-range wireless communication, and communication with the insurance company server is performed via the Internet. It is characterized by.

A first user driving situation collection / analysis method of the present invention is a user driving situation collection / analysis method using a user portable terminal, an in-vehicle device installed in a user's automobile, and an insurance company server,
The location information reporting period notified from the insurance company server is stored in the user portable terminal, and the user portable terminal acquires and acquires current date information when engine start information is received from the in-vehicle device. The current date is included in the location information reporting period, and if it is included, the location information is periodically acquired and transmitted to the insurance company server, and the engine stop information is sent from the in-vehicle device. When received, the user portable terminal stops acquisition and transmission of location information, and the insurance company server receives and accumulates location information during the location information report period, and based on the accumulated location information. The driving situation is analyzed, an insurance fee is calculated based on the analyzed driving situation and notified to the user portable terminal.

The second user driving situation collection / analysis method of the present invention is a user driving situation collection / analysis method using a user portable terminal, an in-vehicle device installed in a user's automobile, and an insurance company server,
Sending a location information request notification including a location information report period to a user mobile terminal of the user before a predetermined period before the insurance contract end date of the insurance company server referring to the user information registered in advance by the insurance company server; The user portable terminal registers the location information reporting period notified from the insurance company server, and the user portable terminal acquires the current date information when receiving engine start information from the in-vehicle device, and the acquired current year Checking whether the date is included in the location information reporting period; and if so, the user portable terminal periodically acquires location information until receiving engine stop information from the in-vehicle device, and the insurance Transmitting to the company server; and the location information received from the user portable terminal by the insurance company server during the location information reporting period. Storing in response to the analyzed driving situation, a step of storing the insurance company server with reference to the user information and analyzing a driving situation of a user whose location information report period has passed with reference to the database The insurance company server obtains the obtained points, and calculates the next insurance fee based on the obtained points and the basic fee of the insurance being enrolled, the driving situation analyzed by the insurance company server and the next insurance Transmitting a fee to the user portable terminal.

  The program of the present invention has a function of registering a position information report period notified from the first external device, a function of receiving engine start information or engine stop information from the second external device, and the current date when engine start information is received. A function for acquiring date information and collating whether the acquired current date is included in the position information report period, and if it is included, the position information is periodically acquired until engine stop information is received. The function of transmitting to one external device is realized by a computer.

  In the present invention, the user portable terminal periodically acquires the location information and transmits it to the insurance company server, and the insurance company server calculates the next insurance premium by analyzing the driving situation based on the received location information. ing. Thereby, the effect that the means for analyzing and recording the driving situation in the user portable terminal or the vehicle-mounted device becomes unnecessary.

  Further, in the present invention, when the next contract of the fixed-term insurance contract is near, the insurance company server notifies the user portable terminal of the position information reporting period, and the user portable terminal transmits the position information only during the requested position information reporting period. The data is sent to the insurance company server. For this reason, it is possible to effectively report location information for calculating the premium for the next term contract.

  Further, in the present invention, the user portable terminal identifies whether or not it is driving by receiving engine start / stop information from the in-vehicle device, and reports position information to the insurance company server when driving. . For this reason, the user can carry the user portable terminal at the time of driving or just place it in the vehicle, and the user portable terminal can identify the driving state and automatically transmit the position information to the insurance company server. can get.

  Embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram illustrating a configuration of an embodiment of the present invention, in which a user portable terminal 10, an in-vehicle device 20, an insurance company server 30, a user portable terminal 10, and an insurance company server 30 are connected to each other. And the like.

The user portable terminal 10 is a portable information terminal such as a cellular phone, a PHS (Personal Handyphone System), or a PDA (Personal Digital Assistance). The user portable terminal 10 includes an antenna 11, a wireless unit 12, a position information acquisition unit 13, a display unit 14, an operation unit 15, a short-range wireless communication unit 16, a control unit 17, and a storage unit 18. It has. The radio unit 12 is a communication device that transmits and receives radio signals to and from a base station (not shown) via the antenna 11. The position information acquisition unit 13 has a function of capturing signals coming from a plurality of GPS (Global Positioning System) satellites and calculating and acquiring position information (latitude / longitude, etc.). The display unit 14 is a display device such as an LCD (Liquid Crystal Display), and the operation unit 15 is an input device such as a numeric keypad, function keys, and a pointing device. The short-range wireless communication unit 16 has a function of transmitting and receiving data to and from the in-vehicle device 20 by short-range wireless communication such as infrared rays, Bluetooth, and wireless LAN (Local Area Network). The control unit 17 is a control device such as a CPU (Central Processing Unit), and its operation is controlled by a program. The control unit 17
・ Mail sending and receiving function,
A function of referring to the report period information stored in the storage unit 18 when engine start information is received from the in-vehicle device 20 and checking whether today is included in the report period information;
-If today is included in the reporting period information, the location information is periodically acquired from the location information acquisition unit 13 and transmitted to the insurance company server 30;
A function of stopping the acquisition of the position information by the position information acquisition unit 13 and the transmission of the position information to the insurance company server 30 when the engine stop information is received from the in-vehicle device 20;
It has.

  The storage unit 18 is a readable / writable storage device, and stores information including a user ID, a location information report period, and an insurance company server address. The user ID is identification information that can uniquely identify a user in a participating insurance company, and is, for example, a telephone number of the user portable terminal 10 or a user number managed by the insurance company. The location information reporting period is a period in which the location information is requested to be transmitted from the insurance company server 30 and is stored as, for example, from June 1, 2006 to June 30, 2006.

  The in-vehicle device 20 is an information processing device installed in an automobile driven by a user, and includes an engine start / stop detection unit 21, a short-range wireless communication unit 22, and a control unit 23. The engine start / stop detection unit 21 has a function of detecting that the engine has been started or stopped. The engine start / stop detection can be detected by, for example, turning on / off an ignition switch, an engine rotation sensor, or the like. Further, as disclosed in Japanese Patent Application Laid-Open No. 2001-268644, detection may be performed based on a mixed state of alternator noise. The short-range wireless communication unit 22 has a function of performing data transmission / reception with the user portable terminal 10 through short-range wireless communication such as infrared rays, Bluetooth, and wireless LAN. The control unit 23 is a control device such as a CPU, and its operation is controlled by a program. The control unit 23 transmits the engine start information or the engine stop information to the user portable terminal 10 via the short-range wireless communication unit 22 when the engine start / stop detection unit 21 detects the start or stop of the engine. It has a function to do.

The insurance company server 30 is an information processing apparatus such as a workstation server installed in an automobile insurance company, and includes a control unit 31 and a storage unit 32. The control unit 31 is a control device such as a CPU, and its operation is controlled by a program. The control unit 31
A function of referring to the user information database 321 and transmitting a location information request notification mail to a corresponding user when there is a user whose location information request notification date has been reached;
-When receiving location information from the user portable terminal 10, it is verified whether the user is a location information reception target, and if so, a function of storing the received information in the location information storage database 322 for each user;
A function of analyzing the driving situation based on the information of the corresponding user stored in the user-specific position information storage database 322 when there is a user whose driving situation analysis date has been referred to the user information database 321;
A function of registering the analyzed driving situation data in the user-specific driving situation database 324;
A function for obtaining points corresponding to the driving situation data with reference to the driving situation point database 325 and calculating the next insurance fee based on the acquired points and the basic fee of the insurance under contract,
A function of transmitting the analyzed driving situation, points and the next insurance fee to the user portable terminal 10 of the corresponding user;
It has.

  The storage unit 32 is a readable / writable storage device. The storage unit 32 includes a user information database 321, a user-specific location information accumulation database 322, a risk area database 323, a user-specific driving status database 324, and a driving status point database 325. In the user information database 321, as shown in FIG. 2 (a diagram showing an example of data stored in the user information database 321), the user ID, user email address, insurance contract period, location information request notification date and reporting period , Driving situation analysis date, insurance type, etc. The insurance contract period is the contract period of the car insurance that the user is currently subscribed to, for example, registered from August 1, 2005 to July 31, 2006. The location information reporting period is a period for receiving a location information report from a user. For example, June 1, 2006 to June 30, 2006 (one month before two months to one month before the contract end date) Registered). The location information request notification date is a date for requesting the user to report location information, and is registered in advance as, for example, May 24, 2006 (one week before the start date of the location information reporting period). The driving status analysis date is a date for analyzing the driving status based on the position information received from the user. For example, July 1, 2006 (the day after the last day of the position information reporting period) is registered. The insurance type is identification information that can uniquely identify the automobile insurance that the user currently has. As shown in FIG. 3 (an example of data stored in the user-specific position information storage database 322), the user-specific position information storage database 322 includes a user ID, position information acquisition date and time, position information, and the like. It is. As shown in FIG. 4 (a diagram showing an example of data stored in the risk area database 323), the risk area database 323 includes area names, position information, and the like. This area name and location information indicate areas where there is a risk in car insurance, such as frequent occurrence points of car accidents, and are registered by judging from past accident statistics data. As shown in FIG. 5 (an example of data stored in the user-specific driving situation database 324), the user-specific driving situation database 324 includes a user ID, driving time, driving distance, risk area driving days, and the like. It is. The driving situation point database 325 includes driving situations and points as shown in FIG. 6 (a diagram showing an example of data stored in the driving situation point database 325). The driving situation is, for example, driving time, driving distance, risk area driving days, and the like, and points corresponding to these actual values are registered.

  Next, the operation of the embodiment of the present invention will be described with reference to the drawings.

  Initially, the operation | movement at the time of the positional information collection in one embodiment of this invention is demonstrated with reference to FIGS. 1-3 and FIG. FIG. 7 is a flowchart showing an operation at the time of collecting position information according to the embodiment of the present invention.

  Referring to FIG. 7, the control unit 31 of the insurance company server 30 refers to the user information database 321 periodically (for example, once every day at a predetermined time) to search for a user who has reached the location information request notification date. . Specifically, the control unit 31 acquires current date information from a clock unit (not shown), and determines whether or not there is a user whose position information request notification date registered in the user information database 321 matches the current date information. Search (see FIG. 2) (step A1). When there is a user whose position information request notification date has been reached, the control unit 31 generates a position information request notification mail including a position information report period, and transmits it to the mail address of the corresponding user acquired from the user information database 321. This location information request notification email is the location information that is the original data for analyzing the user driving situation necessary for the next premium calculation when the end date of the auto insurance contract that the user is currently subscribed to is near This is for requesting the user to report. In the present embodiment, an expiration date of an insurance contract (for example, July 31, 2006) is set to be one month before one month (June 1, 2006 to June 30, 2006). The location information reporting period will be described. Further, the position information request notification date for the user is set one week before (May 24) from the start date (June 1) of the position information reporting period (step A2).

  The user who has received the location information request notification mail activates the insurance company application on the user portable terminal 10, selects the registration menu, and inputs the location information report period from the operation unit 15 on the registration screen displayed on the display unit 14. To do. The control unit 17 registers the input location information report period in a predetermined area of the storage unit 18. Note that the user ID and the insurance company server address are registered in advance in the storage unit 18 (step A3).

  Thereafter, every time the user starts the engine to drive the automobile, the engine start / stop detection unit 21 of the in-vehicle device 20 detects the start of the engine, and the control unit 23 passes through the short-range wireless communication unit 22. Engine start information is transmitted to the user portable terminal 10 (step A4). The control unit 17 of the user portable terminal 10 that has received the engine start information (Step A5) acquires the current date information from a clock unit (not shown), and the location information reporting period in which the current date is registered in the storage unit 18 (Step A6). If not included, the control unit 17 ends the process. If included, the control unit 17 instructs the position information acquisition unit 13 to acquire position information periodically (for example, every 5 minutes). And whenever the control part 17 acquires position information, it transmits to the insurance company server 30 with user ID and acquisition date (step A7).

  The control unit 31 of the insurance company server 30 acquires the location information reporting period of the user from the user information database 321 based on the received user ID, and the current date is not included in the location information reporting period. Since the user is not the position information receiving target, the process is terminated. If it is included, the control unit 31 stores the received information (user ID, acquisition date / time, position information) in the user-specific position information accumulation database 322. This storage in the user-specific location information accumulation database 322 is performed every time it is received from the user portable terminal 10, and the location information for each user ID is accumulated for one month which is the location information report period (see FIG. 3). (Steps A8 and A9).

  When the user finishes driving the vehicle and stops the engine, the engine start / stop detection unit 21 of the in-vehicle device 20 detects the stop of the engine, and the control unit 23 notifies the user portable terminal 10 via the short-range wireless communication unit 22. Engine stop information is transmitted (step A10). The control unit 17 of the user portable terminal 10 that has received the engine stop information stops acquisition and transmission of position information (step A11).

  Next, the operation at the time of driving condition analysis and insurance fee calculation in one embodiment of the present invention will be described with reference to FIGS. 1 to 6 and FIG. FIG. 8 is a flowchart showing operations at the time of driving condition analysis and insurance fee calculation in the embodiment of the present invention.

  Referring to FIG. 8, the control unit 31 of the insurance company server 30 refers to the user information database 321 periodically (for example, once every day at a predetermined time) to search for a user who has reached the driving condition analysis date ( (See FIG. 2) (Step B1).

  When there is a user whose driving situation analysis date has been reached, the control unit 31 analyzes the driving situation of the corresponding user based on the information (see FIG. 3) stored in the location information storage database 322 for each user. The analysis of the driving situation is performed, for example, on driving time, travel distance, risk area travel days, and the like. First, for the operation time, the control unit 31 creates a data group having a continuous interval of 5 minutes based on the location information acquisition date and time (for example, every 5 minutes) of the corresponding user stored in the location information storage database 322 for each user. Identify. And the control part 31 calculates | requires the difference of the first date and the last date of each group, and makes those which totaled all the groups the driving | running time (time which drive | operated during one month of a positional information report period). Next, regarding the travel distance, the control unit 31 calculates the distance between the position information based on the position information of the corresponding user accumulated in the user-specific position information accumulation database 322, and travels the sum of them. Distance (distance traveled during one month of the location information reporting period). In addition, about the calculation of the distance between positional information, the control part 31 may acquire from the map information database which is not shown in figure, and may use the simple calculation by a latitude difference / longitude difference. In the case of simple calculation, the control unit 31 obtains the latitude difference / longitude difference between the two pieces of position information, and multiplies the latitude difference / longitude difference by, for example, distance data per second of latitude / longitude stored in a storage area (not shown). Calculated by trigonometry (Pythagorean theorem). Next, regarding the risk area running days, the control unit 31 uses the position information (see FIG. 4) of the risk area stored in the risk area database 323 as the corresponding position information (see FIG. 4) of the user-specific position information accumulation database 322. (See 3). If included, the control unit 31 refers to the acquisition date and calculates the number of days included (step B2).

  The control unit 31 registers the driving situation data analyzed in step B2 in the user-specific driving situation database 324 corresponding to the user ID (see FIG. 5) (step B3). Next, the control unit 31 refers to the driving situation point database 325 (see FIG. 6) for each of the driving situations (driving time, travel distance, risk area running days) stored in the user-specific driving situation database 324. Get each point. And the points according to the obtained driving time, driving distance, risk area driving days are totaled (step B4). Thereafter, the control unit 31 acquires the insurance type of the corresponding user from the user information database 321 and calculates the next insurance fee in combination with the driving situation point (total point) acquired in step B4. The insurance type is identification information that can uniquely identify the automobile insurance that the user is currently subscribed to, and an insurance fee for each insurance type is registered in advance in a database (not shown) in association with driving status points. For example, if the driving status point is 2 points or less, the basic fee is 3%, if it is 3-5 points, 10% surcharge of the basic fee, if it is 6-9 points, 20% surcharge of the basic fee, 40 if it is 10 points or more It is registered as a percentage extra, etc. (step B5). Next, the control part 31 produces | generates the mail containing the analyzed driving | running condition, a point, and the next insurance premium information, and transmits to the user portable terminal 10 of an applicable user (step B6). The user portable terminal 10 receives the mail, and the user refers to the driving situation and points in the position information reporting period and the next insurance premium (step B7).

  As described above, in the present embodiment, the user portable terminal 10 periodically acquires location information and transmits it to the insurance company server 30, and the insurance company server 30 determines the driving situation based on the received location information. The next insurance premium is calculated by analysis. Thereby, the effect that the means for analyzing and recording the driving situation in the user portable terminal 10 and the in-vehicle device 20 becomes unnecessary.

  Further, in the present embodiment, when the next contract of the term insurance contract is near, the insurance company server 30 notifies the user mobile terminal 10 of the location information report period, and the user mobile terminal 10 receives the requested location information report period. The position information is transmitted to the insurance company server 30 only during the period. For this reason, it is possible to effectively report location information for calculating the premium for the next term contract.

  Further, in the present embodiment, the user portable terminal 10 receives the engine start / stop information from the in-vehicle device 20 to identify whether the user is driving or not, and if the user is driving, the location information is sent to the insurance company server 30. Reported. For this reason, the user can identify that the user portable terminal 10 is driving and automatically transmit the position information to the insurance company server 30 only by carrying the user portable terminal 10 or placing it in the vehicle during driving. The effect is obtained.

  Next, application examples and modification examples of the present invention will be described.

  In the above-described embodiment, the data transmission / reception between the user portable terminal 10 and the in-vehicle device 20 has been described as being performed by short-range wireless communication, but may be performed by wired communication. Further, the user portable terminal 10 may be placed in close contact with the in-vehicle device 20 and connected by electrical contact.

  In the embodiment described above, the location information request notification date has been described as two months before the contract end date, and the location information report period is described as one month from two months to one month before the contract end date. It is an example and it is obvious that other dates and periods may be used.

  In the embodiment described above, it has been described that the user registers the location information report period in the storage unit 18 in the user portable terminal 10, but the location included in the mail when the control unit 17 receives the location information request notification mail. The information reporting period may be automatically registered.

  In the above-described embodiment, the driving situation has been described as being analyzed for the driving time, the driving distance, and the risk area driving days. However, for example, other factors such as the driving speed and the driving time zone may be added. Good.

It is a figure which shows the structure of one embodiment of this invention. It is a figure which shows an example of the data stored in the user information database. It is a figure which shows an example of the data stored in the positional information storage database 322 classified by user. It is a figure which shows an example of the data stored in the risk area database. It is a figure which shows an example of the data stored in the driving condition database 324 classified by user. It is a figure which shows an example of the data stored in the driving condition point database. It is a flowchart which shows the operation | movement at the time of the positional information collection in one embodiment of this invention. It is a flowchart which shows the operation | movement at the time of the driving | running condition analysis in one embodiment of this invention, and insurance premium calculation.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 User portable terminal 11 Antenna 12 Radio | wireless part 13 Position information acquisition part 14 Display part 15 Operation part 16 Near field communication part 17 Control part 18 Memory | storage part 20 Vehicle-mounted apparatus 21 Engine start / stop detection part 22 Near field communication part 23 Control Department 30 Insurance company server 31 Control section 32 Storage section 321 User information database 322 User-specific location information storage database 323 Risk area database 324 User-specific driving situation database 325 Driving situation point database 100 network

Claims (10)

A user driving situation collection / analysis system comprising a user portable terminal, an in-vehicle device installed in a user's car, and an insurance company server,
The user portable terminal includes means for registering a position information reporting period notified from the insurance company server, means for receiving engine start information or engine stop information from the in-vehicle device, and current date when engine start information is received. Means for acquiring information and collating whether the acquired current date is included in the position information reporting period, and if it is included, the position information is periodically acquired until engine stop information is received, and the insurance Means for transmitting to the company server,
The in-vehicle device has means for detecting engine start and transmitting engine start information to the user portable terminal, and means for detecting engine stop and transmitting engine stop information to the user portable terminal,
The insurance company server refers to user information registered in advance, means for transmitting a location information request notification including a location information report period to a user portable terminal of the corresponding user before a predetermined period of the insurance contract end date of the subscription, Means for accumulating position information received from the user portable terminal in a database; means for referring to the user information to analyze a driving situation of a user whose position information reporting period has passed; and analyzing the driving situation A user driving situation collecting / analyzing system comprising: means for calculating the next insurance fee based on the information; and means for transmitting the analyzed driving situation and the next insurance fee to the user portable terminal. The insurance company server pre-registers points weighted according to the driving situation, acquires the registered points corresponding to the analyzed driving situation, and based on the acquired points and the basic fee of the insurance being enrolled. 2. The user driving situation collection / analysis system according to claim 1, wherein an insurance fee for the next period is calculated. 3. The user driving situation collection / analysis system according to claim 1, wherein the driving situation includes driving time, driving distance, and risk area driving days. The insurance company server determines whether the user is a location information report target user when receiving location information from the user portable terminal by comparing the current date and the location information report period of the user, 4. The user driving situation collection / analysis system according to claim 1, wherein position information is accumulated in the database when the user is a user. The communication between the user portable terminal and the in-vehicle device is performed by short-range wireless communication, and the communication between the user portable terminal and the insurance company server is performed via the Internet. Item 1. User operation status collection and analysis system. A user portable terminal connected to an in-vehicle device installed in a user's car and an insurance company server,
Means for registering a position information reporting period notified from the insurance company server; means for receiving engine start information or engine stop information from the in-vehicle device; and acquiring current date information when receiving the engine start information. Means for verifying whether the current date is included in the position information report period, and means for periodically acquiring position information and receiving the information until the engine stop information is received if it is included And a user portable terminal. The user portable terminal according to claim 6, wherein communication with the in-vehicle device is performed by short-range wireless communication, and communication with the insurance company server is performed via the Internet. A user driving situation collection / analysis method using a user portable terminal, an in-vehicle device installed in a user's car, and an insurance company server,
The location information reporting period notified from the insurance company server is stored in the user portable terminal, and the user portable terminal acquires and acquires current date information when engine start information is received from the in-vehicle device. The current date is included in the location information reporting period, and if it is included, the location information is periodically acquired and transmitted to the insurance company server, and the engine stop information is sent from the in-vehicle device. When received, the user portable terminal stops acquisition and transmission of location information, and the insurance company server receives and accumulates location information during the location information report period, and based on the accumulated location information. A user driving situation collection / analysis method characterized by analyzing a driving situation, calculating an insurance fee based on the analyzed driving situation, and notifying the user portable terminal. A user driving situation collection / analysis method using a user portable terminal, an in-vehicle device installed in a user's car, and an insurance company server,
Sending a location information request notification including a location information report period to a user mobile terminal of the user before a predetermined period before the insurance contract end date of the insurance company server referring to the user information registered in advance by the insurance company server; The user portable terminal registers the location information reporting period notified from the insurance company server, and the user portable terminal acquires the current date information when receiving engine start information from the in-vehicle device, and the acquired current year Checking whether the date is included in the location information reporting period; and if so, the user portable terminal periodically acquires location information until receiving engine stop information from the in-vehicle device, and the insurance Transmitting to the company server; and the location information received from the user portable terminal by the insurance company server during the location information reporting period. Storing in response to the analyzed driving situation, a step of storing the insurance company server with reference to the user information and analyzing a driving situation of a user whose location information report period has passed with reference to the database The insurance company server obtains the obtained points, and calculates the next insurance fee based on the obtained points and the basic fee of the insurance being enrolled, the driving situation analyzed by the insurance company server and the next insurance And a method for collecting and analyzing a user driving situation, comprising: transmitting a fee to the user portable terminal. A function of registering a position information reporting period notified from the first external device, a function of receiving engine start information or engine stop information from the second external device, and acquiring current date information when receiving the engine start information; A function for checking whether the acquired current date is included in the position information report period, and if it is included, position information is periodically acquired and transmitted to the first external device until engine stop information is received. Program that causes a computer to realize the function to perform.

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