JP2011221579A - Vehicle insurance premium calculation system using on-board device operable in coordination with portable device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system allowing more simple and inexpensive calculations of insurance premiums based on mileage.SOLUTION: An on-board device connected such that it can communicate with a portable device obtains the start and end mileage of each driving from an odometer during a period of vehicle insurance bought by a driver of a vehicle, and transmits data of the mileage to the portable device. The portable device stores the data on the start and end mileage that is received on each driving. The portable device or an external server capable of communication connection with the portable device calculates cumulative mileage by accumulating the difference between stored the start and end mileage for each driving during the entire period of the insurance. The cumulative mileage is used to calculate a vehicle insurance premium.

Description

  The present invention relates to an insurance premium calculation system using an in-vehicle device operable in cooperation with a portable device.

  In recent years, insurance premiums for automobile insurance have been set based on various factors. With regard to this point, in Patent Document 1 below, the insurance function according to the actual driving situation (traveling route, traveling time zone, traveling speed, etc.) of the vehicle is calculated using the navigation function of the in-vehicle navigation device. A system is disclosed.

  Further, in Patent Document 2 below, the predicted mileage predicted by the vehicle to travel during the insurance period, reported by the customer, the actual mileage actually traveled during the insurance period immediately before the insurance period, It describes that the insurance premium is calculated based on the predicted travel distance immediately before the vehicle is predicted to travel during the insurance period immediately before the insurance period.

International Publication No. WO2005 / 083605 JP 2006-113847 A

  In car insurance, it is common practice to calculate a premium by evaluating a driver's risk. According to Article 12 of the Insurance Business Law Enforcement Regulations, one of them may be the annual mileage and other vehicle usage conditions.

  The annual mileage here indicates not the past results but the mileage during the insurance contract period, and is often self-reported by the insured. However, in general, it is difficult to accurately predict the annual mileage of the insurance contract period, and therefore, if exceeded, it is adjusted by paying additional premiums upon application. However, the application for excess is a procedural burden for both the insurance company and the insured, and if an accident occurs if the excess is neglected, the insurance cannot be received based on a violation of the notification obligation of the insured. There is also a fear.

  On the other hand, as described in Patent Document 1, if a vehicle-mounted navigation device is assumed, it is necessary to install the navigation device in a vehicle and to implement a premium calculation program on the device. This is costly and difficult to use easily. In addition, when a report from the user is required as in Patent Document 2, this report processing can be a burden on the procedure.

  Therefore, a system that can calculate the insurance premium based on the travel distance more easily and inexpensively is desired.

  According to one aspect of the present invention, a system for calculating an insurance premium includes an odometer that measures a mileage of a vehicle, and an in-vehicle device that is mounted on the vehicle and connected to be communicable with a portable device. Prepare. The in-vehicle device has a driving distance at the start of the driving and a driving distance at the end of the driving each time the driver drives the vehicle during the insurance period of the car insurance that the driver of the vehicle joins. Is acquired from the odometer, and data on the mileage is transmitted to the portable device. In the portable device or an external server communicably connected with the portable device, the difference between the mileage at the start and the end of the driving for each driving is accumulated for all driving during the insurance period. Thus, the cumulative travel distance is calculated, and the cumulative travel distance is used as the travel distance used for calculating the insurance premium for the automobile insurance.

  According to the present invention, the data on the travel distance is transmitted to the portable device for each driving. Accordingly, the mobile device or the server that communicates with the mobile device accumulates the difference between the travel distance at the start and the travel distance at the end of each driving, that is, by accumulating the actual travel distance for each driving. The cumulative travel distance (actual travel distance) can be calculated. As a result, it is possible to easily and accurately obtain the actual travel distance without mounting a dedicated navigation device on the vehicle, and to calculate an appropriate insurance premium based on the travel distance.

  According to an embodiment of the present invention, the external server is a server of the insurance company of the car insurance, and the portable device is configured so that the server can calculate an insurance premium using the cumulative mileage. The driving distance at the start of the driving for each driving, the driving distance at the end of the driving, the difference between the driving distance at the start and the driving distance at the end, and the accumulation calculated by accumulating the difference At least one of the travel distances is transmitted to the server together with the identification number of the portable device.

  According to the present invention, the insurance company can calculate or acquire the cumulative travel distance for each identification number of the mobile device (for example, the mobile phone number). Therefore, since the insured person can be specified and the mileage can be accurately grasped for each insured unit, the insurance premium appropriate for the insured person can be calculated. For example, when the accumulated mileage is smaller than the mileage scheduled at the time of the insurance contract, a service such as carrying over can be notified to the insured person about the overpayment of the insurance premium. Further, when the cumulative travel distance is larger than the planned travel distance, the insured person can be notified via the portable device about the shortage of the insurance premium.

  According to one embodiment of the present invention, the in-vehicle device further acquires the travel distance on the start date and the end date of the insurance period from the travel distance meter and transmits the travel distance to the portable device. The portable device transmits to the insurance company server at least one of the travel distance on the start date and the end date of the insurance period, and the difference between the travel distance on the start date and the travel distance on the end date. To do. The server determines the reliability of the cumulative travel distance based on a comparison between the cumulative travel distance and the difference between the travel distance on the start date and the end date.

  If the driving distance data at the start and end of driving is not transmitted and stored in the portable device for each driving, the accurate cumulative driving distance is not calculated. According to the present invention, the cumulative driving distance and the insurance period are calculated. Since the travel distance between the start date and the end date is compared, it can be determined whether the cumulative travel distance corresponds to the result of properly storing the travel distance for each driving. In this way, the insurance company can determine whether or not the cumulative mileage is highly reliable and use the result of the determination for calculating the insurance premium.

  Other features and advantages of the present invention will be apparent from the detailed description that follows.

The figure which shows the one form of the vehicle-mounted processing system with which the portable apparatus and the vehicle-mounted apparatus were connected according to one Example of this invention. The figure which shows the one form of installation of the portable apparatus in the vehicle according to one Example of this invention. The functional block diagram of the portable apparatus and vehicle equipment according to one Example of this invention. The functional block diagram of the portable apparatus and vehicle equipment according to one Example of this invention. The figure which shows the data of a travel distance log | history according to one Example of this invention. The flowchart of the travel distance acquisition process performed by the vehicle equipment according to one Example of this invention. 6 is a flowchart of a mileage reception process executed by a mobile device according to an embodiment of the present invention. 6 is a flowchart of a premium calculation process executed by an external server according to an embodiment of the present invention.

  Next, an embodiment of the present invention will be described with reference to the drawings. First, a schematic configuration of an in-vehicle processing system including an in-vehicle device capable of cooperating with a portable device, which is a premise of an embodiment of the present invention, will be described with reference to FIGS.

  The mobile device 10 is a portable terminal such as a mobile phone, a personal digital assistant (PDA), and a smartphone that has an information processing function and a communication function. In this embodiment, a mobile phone will be described as an example.

  The mobile phone 10 includes a display (display screen) 11 that displays data, a speaker 12 that outputs sound and sound (hereinafter simply referred to as “speech”), and keys (buttons) provided in the mobile phone 10. An input operation unit 13 for a user to input some data (signal) to the mobile phone 10 is provided.

  The mobile phone 10 has not only a conventional voice call function but also an information processing function as a computer having a central processing unit (CPU) and a memory, which are shown as a processing unit 14 and a storage unit 15 in the figure, respectively. ing. For example, the program stored in the storage unit 15 is executed by the processing unit 14 in accordance with the signal input by the input operation unit 13, the information processing result is displayed on the display 11, and / or the speaker. 12 is output as a sound.

  The mobile phone 10 has a communication function, and is shown as a communication unit 16 and an in-vehicle communication unit 17 in the figure. The communication unit 16 is connected to an external network 31 via an antenna and has a function of transmitting and receiving signals for voice call or data communication. In the figure, the Internet is shown as the external network 31, and the communication unit 16 can connect to the external server 32 via the Internet and perform data communication with the external server 32.

  The in-vehicle communication unit 17 is connected to the in-vehicle communication unit 27 of the in-vehicle device 20 mounted on the vehicle via the external connection terminal 18 and has a function of transmitting and receiving signals for data communication with the in-vehicle device 20. ing.

  Various applications (applications) are mounted on the mobile phone 10, and each application is realized by executing one or a plurality of programs stored in the storage unit 15. In this embodiment, navigation is implemented as one of the applications. Therefore, the communication unit 16 also has a function of receiving a signal (GPS signal) transmitted from a GPS (Global Positioning System) satellite via an antenna.

  Here, when the external server 32 is a server (navigation server) that provides a navigation service, the processing unit 14 detects the current position from the received GPS signal through the execution of the navigation program, and Data indicating the current position can be transmitted to the server 32 via the communication unit 16. In response to this, the server 32 transmits map data around the current position to the mobile phone 10. The processing unit 14 can receive the map data via the communication unit 16 and can superimpose the current position on the map data and display it on the display 11. Further, in response to input of data indicating the destination via the input operation unit 13, the processing unit 14 can transmit the destination to the server 32 via the communication unit 16. In response to this, the server 32 searches for an optimum route (route) from the current position to the destination and transmits it to the mobile phone 10. The processing unit 14 can superimpose the optimal route received via the communication unit 16 on the map data and display it on the display 11. It should be noted that various functions such as providing traffic information and searching for nearby facilities are added to recent navigation functions, and in this embodiment, desired functions can be included.

  The in-vehicle device 20 includes a display device 21 having a display screen for displaying data, a speaker 22 for outputting sound and sound, a touch panel (touch panel display) configured on the display screen, and a predetermined device provided in the in-vehicle device 20. An input operation unit 23 is provided for the user to input some data (signal) to the in-vehicle device via the key. As shown in FIG. 2, for example, the touch panel display 31 and an input operation unit 23 such as keys and buttons are incorporated in the dashboard 50 of the vehicle so that the driver can visually recognize and operate the display device 21. Can be installed. Note that the input operation unit 23 may include a microphone (not shown), and audio data may be input via the microphone. Hereinafter, the display device 21 and the speaker 22 may be collectively referred to as an output device.

  The in-vehicle device 20 includes a central processing unit (CPU) and an electronic control unit (ECU) that is a computer having a memory, and these are shown as a processing unit 24 and a storage unit 25 in the drawing. For example, a program stored in the storage unit 25 is executed by the processing unit 24 in accordance with a signal input by the input operation unit 23, and a result of the information processing is displayed on the display device 21, and / or The sound is output through the speaker 22.

  Corresponding to the in-vehicle communication unit 17 and the external connection terminal 18 provided in the mobile phone 10, the in-vehicle device 20 is provided with an in-vehicle communication unit 27 and an external connection terminal 28. By connecting the external connection terminal 18 and the external connection terminal 28 to each other, the in-vehicle communication unit 17 of the mobile phone 10 and the in-vehicle communication unit 27 of the in-vehicle device 20 are connected so as to be able to communicate with each other according to a predetermined protocol. .

  For example, the in-vehicle communication units 17 and 27 can communicate with each other by connecting the external connection terminal 18 of the mobile phone 10 and the external connection terminal 28 of the in-vehicle device 20 by USB (Universal Serial Bus) connection. For example, as shown in FIG. 2, a predetermined insertion port 51 is provided in the dashboard 50 of the vehicle, and an external connection terminal 28 is provided at the bottom of the insertion port 51. By installing the mobile phone 10 in the insertion port 51, the external connection terminals 18 and 28 are connected to each other, so that the mobile phone 10 and the in-vehicle device 20 can communicate with each other. Thus, the mobile phone 10 can be integrated into the in-vehicle processing system so that it can operate in cooperation with the in-vehicle device 20.

  Alternatively, the mobile phone 10 and the in-vehicle device 20 may be connected via predetermined wireless communication such as Bluetooth.

  A sensor 29 for detecting the traveling state of the vehicle is connected to the in-vehicle device 20. In this embodiment, the sensor 29 is a sensor for detecting the vehicle speed, and can be realized by, for example, a vehicle speed sensor, an acceleration sensor, a wheel speed sensor, or the like. The vehicle speed detected by the sensor 29 is passed to the processing unit 24. When detecting whether or not the vehicle is stopped, a parking brake sensor that detects whether or not the parking brake is operating may be used as the sensor 29 instead of the sensor that detects the vehicle speed. .

  In this embodiment, an odometer 41 is provided in the vehicle. The odometer 41 is a device that measures and displays a value obtained by accumulating the travel distance of the vehicle up to the present (hereinafter simply referred to as travel distance). The current travel distance detected by the odometer 41 is passed to the processing unit 24.

  FIG. 3 is a functional block diagram showing the processing unit 14 of the mobile phone 10 and the processing unit 24 of the in-vehicle device 10 in order to explain the basic communication mode realized by the in-vehicle processing system shown in FIG. is there. These functions are executed by the CPU. Also, memories 115 and 211 used for data processing are shown, and these are realized in the storage units 15 and 25, respectively. The external connection terminals 18 and 28 are omitted.

  For example, when executing a desired application in response to some input operation by the user, the application execution unit 111 reads and executes a corresponding program from, for example, a nonvolatile memory (not shown) of the storage unit 15. As a result of processing by the program, display screen data and / or audio data to be output is generated.

  A display screen typically includes content such as text (characters) and images, and GUI (graphical user interface) parts such as windows, dialog boxes, taskbars, buttons, check boxes, and text fields. . By designating desired text data in the program (the text data itself may be described or a file of the text data may be described), the text data can be drawn. The same applies to image data (for example, image data such as JPEG). Various GUI parts are provided as a library in advance by the OS (operating system) mounted on the mobile phone 10 and stored in the storage unit 15, for example, and a desired GUI part is designated in the program. The GUI part can be drawn. For example, in a Java program, a Button class can be drawn by defining a Button class in the program. Furthermore, the audio data can be reproduced by designating the audio data file in the program.

  When the application execution unit 111 executes the program, if there is an instruction to draw specified text and image data in the program, the application execution unit 111 outputs the drawing instruction to the display control unit 113. In response to this command, the display control unit 113 acquires the specified text and image data via, for example, the storage unit 15 and the communication unit 16, and obtains the data from the display screen memory 115 such as a VRAM. Output (draw). In addition, when the application execution unit 111 executes the program, if there is a GUI component specified in the program, the application execution unit 111 outputs the drawing command to the display control unit 113. In response to this, the display control unit 113 reads the designated GUI component from the storage unit 15 and outputs (draws) it to the memory 115. Furthermore, when the application execution unit 111 executes the program, if there is audio data designated in the program, the application execution unit 111 outputs a playback instruction for the audio data to the audio control unit 114. The voice control unit 114 acquires a designated voice data file via, for example, the storage unit 15 or the communication unit 16.

  The transmission / reception control unit 117 is provided for the application of the mobile phone 10 so as to serve as a driver of a device called the in-vehicle device 20, and its function can be realized by a software program. More specifically, the transmission / reception control unit 117 generates bitmap data (referred to as screen data) having the same resolution as the screen resolution of the display device 21 of the in-vehicle device 20 from the data for one screen stored in the memory 115. The audio data file obtained by the audio control unit 114 is received from the memory 115, and the screen data and audio data file are transmitted to the in-vehicle device 20 via the in-vehicle communication unit 17.

  Preferably, the transmission / reception control unit 117 acquires attribute information about the screen data (display screen) from the display control unit 113 and transmits this to the in-vehicle device 20 via the in-vehicle communication unit 17 together with the screen data. The attribute information is information used by the output control unit 213 to be described later when screen data is output to the display device 21 of the in-vehicle device 20. Based on the attribute information, it is determined whether the screen data is allowed to be output on the in-vehicle device 20 from the viewpoint of vehicle safety.

  As described above, the display control unit 113 outputs the contents and GUI components constituting the display screen to the memory 115 in accordance with the drawing command output by executing the program. The attribute information can be acquired based on information from the display control unit 113.

  The attribute information can include, for example, the type of application (program), the number and type of requested input operations, the number of display items, the color of display items, the number of characters to be displayed, and the like.

  In this way, the screen data, the attribute information thereof, and the audio data are transmitted from the transmission / reception control unit 117 to the in-vehicle device 20 via the in-vehicle communication unit 17. The in-vehicle communication unit 27 of the in-vehicle device 20 receives these, temporarily stores the screen data and audio data in the memory 211, and passes the attribute information to the output control unit 213.

  The output control unit 213 controls the output mode of the received screen data and audio data to the display device 21 and the speaker 22 based on the received attribute information and the running state of the vehicle detected by the sensor 29.

  This control is performed from the viewpoint of safety as described above. That is, the application executed on the mobile phone 10 is often not designed in advance for the vehicle. Therefore, if the information output by the execution of the application is output as it is through the display device 21 and the speaker 22 mounted on the vehicle, there is a possibility that the driving of the vehicle may be affected and safety may not be ensured. is there.

Therefore, an output control unit 213 is provided to determine whether the received screen data satisfies a predetermined condition determined from the viewpoint of safety based on the attribute information and the running state.
If the predetermined condition is satisfied, the received screen data is output to the display device 21 as it is without being processed. If the predetermined condition is not satisfied, the received screen data is processed to the extent that the predetermined condition is satisfied, and the processed screen data is output on the display device 21. When it is determined that the processing cannot be performed to such an extent that the predetermined condition is satisfied, the output of the screen data on the display device 21 is prohibited.

  In addition, the output control unit 213 determines whether the audio output satisfies the predetermined condition. If the predetermined condition is satisfied, the received audio data is reproduced as it is and output via the speaker 22. If the predetermined condition is not satisfied, the output is delayed in time until the predetermined condition is satisfied. When it is determined that it is difficult to satisfy the predetermined condition, output of the audio data through the speaker 22 is prohibited.

  The predetermined conditions include, for example, (1) a condition based on the running state of the vehicle, (2) a condition based on the processing content of the application (program), (3) a condition based on the display content, and (4) a condition based on the voice. , Can be included.

  Briefly described as an example, with respect to the above (1), a condition that the vehicle speed is not traveling at a speed higher than a predetermined value is defined, and it is determined whether or not the traveling state detected by the sensor 29 satisfies the condition. To do. Regarding (2) above, for example, a condition that the application is classified into the category of navigation is defined, and it is determined from the received attribute information whether the received screen data satisfies the condition. If these conditions are satisfied, output of the received screen data to the display device 21 is permitted, and if any of the conditions is not satisfied, output of the screen data to the display device 21 is prohibited.

  Regarding (3) above, the number of items in the display screen is less than or equal to a predetermined value, the color in the display screen is easy to recognize, and the number of characters in the display screen is less than or equal to a predetermined value. If the received screen data satisfies the condition from the received attribute information, output of the screen data to the display device 21 is permitted. If the condition is not satisfied, the condition is satisfied. The screen data is processed until the screen data is output to the display device 21. With regard to (4) above, there is no interference with voice output (for example, battery control, airbag control, etc. performed by the control device, such as a warning or voice message by these control devices) by other control devices mounted on the vehicle. If this condition is satisfied, the output of the received audio data to the speaker 22 is permitted. If not satisfied, the output of the audio data to the speaker 22 is timed until the condition is satisfied. The output is delayed or the output is prohibited.

  As described above, the information output by the program of the application executed by the mobile phone 10 satisfies the predetermined condition determined from the viewpoint of ensuring the safety of the vehicle, and then is output to the output device of the in-vehicle device 20. Thus, the vehicle occupant can enjoy the service provided by the mobile phone application while ensuring the safety of the vehicle. For example, map information output by executing a navigation application on the mobile phone 10 can be displayed on the display device 21 of the in-vehicle device 20. Therefore, the navigation function of the mobile phone can be safely used as vehicle navigation.

  Note that the screen data displayed on the display device 21 of the in-vehicle device 20 as described above includes a portion that requests an input operation such as key input or button selection even after being processed. There may be. In this case, the user can perform an input operation via the input operation unit 23 such as a touch panel of the display device 21 or a predetermined key. A signal corresponding to the input operation is transmitted to the mobile phone 10 via the in-vehicle communication unit 27. The transmission / reception control unit 117 of the mobile phone 10 receives the signal via the in-vehicle communication unit 17, converts it into a signal in a form that can be interpreted by the application execution unit 111 if necessary, and passes it to the application execution unit 111. The application execution unit 111 performs processing according to the signal in accordance with the currently executing program. As a result, when a new display screen is output, the screen data is transmitted from the transmission / reception control unit 117 to the in-vehicle device 20 together with the attribute information through the processing described above.

  As described above, the application program is executed by the mobile phone 10, and the display screen and audio data generated as a result are output via the display device 21 and the speaker 22 of the in-vehicle device 20. At this time, the display screen and audio output to the display 11 and the speaker 12 of the mobile phone 10 can be prohibited. For example, the processing unit 14 of the mobile phone 10 detects that the in-vehicle device 20 is connected, and thereby gives a signal for prohibiting output to the display 11 and the speaker 12 to the display control unit 113 and the audio control unit 114. Can be output.

  In the above description, the data communication between the mobile device 10 and the in-vehicle device 20 has been described. However, the in-vehicle device 20 can also be used for the voice call function of the mobile device 10. For example, the mobile device 10 detects that it is connected to the in-vehicle device 20, and switches the input / output destination of audio data for performing a voice call to the in-vehicle device 20. When a voice call is connected to the outside by the portable device 10, the voice data received by the portable device 10 is transmitted to the in-vehicle device 20 and output via the speaker 22, and the input operation unit 23 of the in-vehicle device 20. The voice data input through the microphone provided in is transmitted to the outside transmitted to the mobile phone 10. Thus, the vehicle occupant can make a voice call in a hands-free manner. For voice calls, the output control unit 213 may control output through the speaker 22.

  As described above, in this embodiment, the mobile phone and the in-vehicle device constitute an integrated system and can communicate with each other. The present invention uses such a communication form, and calculates insurance premiums for automobile insurance (hereinafter, which can be assumed such as personal, objective, passenger, and vehicle) that a vehicle driver joins. The mileage used for the vehicle is accurately acquired by a simpler method, thereby improving the service related to the insurance premium for the insured (driver).

  FIG. 4 is a functional block diagram showing an insurance premium calculation system using the configuration described with reference to FIGS. 1 to 3 according to one embodiment of the present invention. The same blocks as those in FIGS. 1 and 3 are denoted by the same reference numerals. Note that the transmission / reception control unit 117 serving as a driver described with reference to FIG. 3 is necessary here when communicating travel distance data between the mobile phone 10 and the in-vehicle device 20. It is provided to perform format conversion. Further, the memory 118 is realized in the storage unit 15.

  In this embodiment, when an insured person who receives the application of car insurance gets on the vehicle as a driver during the insurance period specified in the insurance contract, the insured person holds his / her mobile phone 10, for example, FIG. When the mobile phone 10 is installed at a predetermined position as shown in FIG. It is assumed that the power source of the mobile phone 10 and the power source of the in-vehicle device 20 are turned on.

  The in-vehicle device 20 is provided with a travel distance acquisition unit 215. In response to the ignition of the vehicle being turned on, the travel distance acquisition unit 215 acquires the current travel distance from the odometer 41 and sends the travel distance data to the mobile phone 10 via the in-vehicle communication unit 27. Send. Since the travel distance cannot be transmitted to the mobile phone 10 if the mobile phone 10 is not connected, the travel distance acquisition unit 215 turns on the ignition of the vehicle, and the mobile phone 10 is connected to the in-vehicle device 20. When the connection is detected, the travel distance may be acquired and transmitted to the mobile phone 10.

  Detection of connection between the mobile phone 10 and the in-vehicle device 20 can be realized by any appropriate method. For example, the connection between the external connection terminal 18 of the mobile phone 10 and the external connection terminal 28 of the in-vehicle device 20 is periodically checked from the in-vehicle device 20 or the mobile phone 10, and a connection detection signal is issued if the connection is established. can do.

  In one embodiment, the mobile phone 10 is provided with a car insurance application as one of the applications, and the application includes a program for receiving a travel distance. The travel distance reception program can be read and started by the application execution unit 111 from the storage unit 15 in response to the travel distance data being received from the in-vehicle device 20. The application execution unit 111 stores the received travel distance data in the memory 118 as the travel distance at the start of driving according to the program. At this time, the travel distance data can be stored in association with the current date and time. When the mileage has been stored, the program ends.

  In the above embodiment, the mileage acquisition unit 215 automatically acquires the mileage from the odometer 41 and transmits it to the mobile phone 10 in response to turning on the ignition of the vehicle. Alternatively, the application execution unit 111 activates a mileage reception program in response to the ignition on of the vehicle or the connection detection between the mobile phone 10 and the in-vehicle device 20, and the execution of the program is executed. A signal requesting the travel distance may be transmitted via the in-vehicle communication unit 17. In response to the request signal, the travel distance acquisition unit 215 can read the travel distance from the odometer 41 and transmit it to the mobile phone 10.

  Next, in response to the driver finishing driving and turning off the ignition of the vehicle (even if the ignition is turned off, the power source of the in-vehicle device 20 can be maintained in the on state by, for example, a backup power source. The travel distance acquisition unit 215 acquires the current travel distance from the odometer 41, and transmits the travel distance data to the mobile phone 10 via the in-vehicle communication unit 27. In response to the reception of the travel distance data, the application execution unit 111 executes a travel distance reception program, whereby the received travel distance data is stored in the memory 118 as the travel distance at the end of driving. Remembered. Also in this case, it can be stored in association with the current date and time. If the mileage data is stored, the program ends.

  Alternatively, the travel distance acquisition unit 215 transmits a signal indicating that the ignition is turned off to the mobile phone 10 in response to the vehicle ignition off, and the application execution unit 111 responds to the signal by the travel execution unit 111. A reception program may be started. A signal requesting the travel distance is transmitted to the in-vehicle device 20 via the in-vehicle communication unit 17 through execution of the program. In response to the request signal, the travel distance acquisition unit 215 can read the travel distance from the odometer 41 and transmit it to the mobile phone 10.

  Thus, every time the driver gets on the vehicle and drives, the travel distance at the start of the drive and the travel distance at the end of the drive are acquired as a pair and stored in the memory 118 of his / her mobile phone 10. And accumulated as a history (referred to as travel distance history). For example, as shown in FIG. 5 (a), every time driving is performed, the date and distance traveled at the start of driving and the date and distance traveled at the end of driving are stored as one record. Can be created.

  The travel distance history data stored in the mobile phone 10 can be used for insurance premium calculation in various forms. This will be described below.

  In the first embodiment, the insurance policy calculation program is included in the car insurance application of the mobile phone 10. For example, in response to some input operation from the user via the input operation unit 13, the application execution unit 111 reads the insurance premium calculation program from the storage unit 15 and executes it. Through execution of the insurance fee calculation program, the application execution unit 111 starts from the start date of the insurance period of the driver's insurance contract of the mobile phone 10 (the date on which insurance compensation starts, also referred to as the start date). Referring to the above travel distance history (stored in the memory 118) until the day (which is the date on which insurance compensation ends, also referred to as the end date), The difference between the travel distance and the travel distance at the end of driving is calculated. The difference indicates the distance actually traveled in the driving. The application execution unit 111 accumulates (accumulates) the difference for all records stored in the period through the execution of the program.

  For example, as shown in FIG. 5A, in the first operation after the start date of the insurance period (more precisely, the predetermined date and time specified in the insurance contract), When the travel distance is D1 and the travel distance at the end is D2, the difference is calculated by D2-D1, and the accumulated value of the difference (the initial value is zero, hereinafter referred to as the accumulated travel distance) is D3. = D2-D1. In the next driving, when the driving distance at the start of driving is D5 and the driving distance at the end is D6, the difference is calculated by D6-D5, and this difference is added to the previous value D3 of the cumulative traveling distance, and the cumulative traveling distance is calculated. The current distance value D4 (= (D6-D5) + D3) is calculated. By performing such cumulative processing up to the last driving before the end date of the insurance period (more precisely, the predetermined date and time specified in the insurance contract), the insured person during the insurance period The travel distance actually traveled (cumulative travel distance) can be calculated.

  The insurance premium calculation program calculates automobile insurance premiums according to a predetermined algorithm using the calculated accumulated mileage. Note that the algorithm for calculating the insurance premium is determined in advance depending on the contents of the automobile insurance that the driver has subscribed to, and therefore an algorithm provided by the insurance company of the automobile insurance can be used.

  When the insurance premium calculation is completed, a command for drawing a screen for displaying the calculation result is output to the display control unit 113. The display control unit 113 outputs a screen for displaying the insurance premium calculation result to the memory 115 (see FIG. 3 and omitted in FIG. 4) according to the command in the manner as shown in FIG. (Drawing) is read out and displayed on the display 11.

  If the application for insurance premium calculation is started in a form in which the mobile phone 10 is connected to the in-vehicle device 20, the calculation result screen is displayed in the in-vehicle device 20 by the method described with reference to FIG. Can be displayed on the display device 21. In the form in which the mobile phone 10 is connected to the in-vehicle device 20, the insurance fee calculation application of the mobile phone 10 is activated in response to a user operation via the input operation unit 23 of the in-vehicle device 20. Good. For example, a signal corresponding to a user operation via the input operation unit 23 may be transmitted to the mobile phone 10, and the application execution unit 111 may read and execute the insurance premium calculation program according to the signal.

  In the above, the calculation process of the difference between the travel distances at the start and the end of the driving and the accumulation process of the difference are performed when calculating the insurance premium. Alternatively, when the travel distance data at the end of driving is received from the in-vehicle device 20, the application execution unit 111 calculates the difference and accumulates the difference via, for example, a travel distance reception program. May be stored in the memory 118 as a travel distance history. For example, as shown in FIG. 5 (b), every time driving is completed, the difference between the driving distance at the start of driving and the driving distance at the end of driving is calculated, and the current value (for example, (D6 in the figure) of the difference is calculated. -D5)) is added to the previous value (for example, D3 in the figure) of the accumulated travel distance, so that the current value of the accumulated travel distance (for example, D4 (= D3 + (D6-D5) in the figure)) is calculated. This will be memorized.

  In the first embodiment, the insurance premium calculation itself is performed by the insurance premium calculation program provided in the mobile phone 10. In the second embodiment, an insurance premium calculation program may be provided in a predetermined external server, and the external server may calculate the insurance premium. Here, assuming that the external server 32 in FIG. 1 is the predetermined external server, if the insurance fee calculation application of the mobile phone 10 is started in response to a user operation via the input operation unit 13, for example, The application execution unit 111 transmits the travel distance history data stored in the memory 118 during the insurance period to the external server 32 via the communication unit 16.

  The external server 32 receives the travel distance history data. The server 32 calculates an insurance premium using the received data by executing a predetermined insurance premium calculation program. Data indicating the calculated insurance premium is returned to the mobile phone 10. The application execution unit 111 displays the received insurance premium data on the display 11 via the display control unit 113 as described above. As mentioned above, since the cumulative mileage data is used in the insurance premium calculation, instead of the mileage at the start of driving and the mileage at the end of driving, the difference between them or the cumulative mileage These data may be transmitted to the server 32.

  Furthermore, in the third mode, the external server is a server of an insurance company of an automobile insurance contracted by the insured. Here, if the external server 32 of FIG. 1 is the server of the insurance company, the above-mentioned mileage reception program included in the car insurance application of the mobile phone 10 receives the driving start and driving received from the in-vehicle device 20. The travel distance data at the end is transmitted to the server 32 through the communication unit 16 together with the identification number of the mobile phone 10. Here, as shown in FIG. 5A, data on the date and time when the travel distance was acquired may be transmitted together with the data on each travel distance. In addition, the identification number of the mobile phone 10 may be any number that can identify the mobile device, and may be a telephone number, for example.

  The transmission timing can be set to any appropriate time. For example, the data can be transmitted to the server 32 automatically in response to reception of travel distance data from the in-vehicle device 20, that is, without requiring a user operation of the mobile phone 10. In this case, as described above, it is not always necessary to store the travel distance data received from the in-vehicle device 20 in the memory 118. However, by leaving the same information transmitted to the insurance company in the memory 118 of the mobile phone 10, the convenience of performing retransmission and the like due to some failure (for example, communication error) is improved. Alternatively, the transmission may be performed in response to a user operation via the input unit 13.

  If the server 32 receives these data, it stores the data. In the insurance company server 32, the identification number of the corresponding mobile phone 10 is registered and stored for each insured. Therefore, an insured person can be specified based on the received identification number of the mobile phone 10, and a mileage history as shown in FIG. 5 (a) or (b) can be generated for each insured person. . By doing this, the mileage for each driving is recorded in real time for each insured in the storage device of the insurance company server, so the insurance company can quickly grasp the cumulative status of mileage. Can do.

  Also in this case, instead of the data of the travel distance at the start of driving and the travel distance at the end of driving, the difference between them or the data of the cumulative travel distance may be transmitted to the server 32. For example, when the insurance period expires, only the data of the accumulated mileage at the time of expiration may be transmitted to the server 32.

  In this way, when the insurance period expires, the insurance company can calculate or acquire the cumulative mileage when the insurance period expires for each insured by the server 32 of itself. The server 32 can calculate the insurance premium by using the accumulated mileage and executing a predetermined insurance premium calculation program. Therefore, it is possible to quickly grasp whether or not the insurance premium of the currently contracted insurance contract is appropriate.

  At the time of contract, the insurance premium is determined based on the planned mileage. If the cumulative mileage calculated as described above becomes longer than the planned mileage, the insurance premium based on the cumulative mileage will be higher than the insurance premium based on the planned mileage, and a difference premium will need to be paid. Sometimes. In such a case, the insurance company can quickly grasp this and notify the insured by some notification (for example, e-mail) to the mobile phone 10, or can prompt the user to pay the difference premium. . Further, the difference insurance premium can be paid by the electronic money settlement function provided in the mobile phone 10. Previously, the actual mileage was reported to the insurance company by self-reporting, but such a reporting procedure is no longer necessary, and for the insured, it is possible to prevent omission of the actual mileage report. .

  Conversely, when the cumulative travel distance becomes shorter than the planned travel distance, the insurance premium based on the cumulative travel distance becomes lower than the insurance premium based on the planned travel distance, resulting in overpayment of the insurance premium. In such a case, the insurance company can quickly grasp this and inform the insured by some notification to the mobile phone 10. Further, for example, it is possible to send a notification of discounting the premium for the next year or to the mobile phone 10 in the form of an electronic coupon or electronic money so as to return the overpaid portion to the insured. Conventionally, since the actual mileage was reported to the insurance company by self-reporting, even if overpayment occurred, it was difficult to automatically return the overpayment to the insured with some service. According to this invention, the service corresponding to the overpaid portion can be fed back to the insured person, so the service to the insured person can be improved.

  The cumulative mileage calculated in this way can also be used when calculating the insurance premium of the insurance contract for the next year. For example, the cumulative mileage of the current year can be used as the planned mileage of the following year, and the insurance premium of the insurance contract for the next year can be calculated. The insurance company server 32 can also inform the insured person of the insurance premium for the next year calculated in this way via the mobile phone 10.

  In this way, when driving a vehicle, it is possible to simply grasp the actual mileage for each driver and use it for calculating insurance premiums by simply bringing a mobile phone into the vehicle. Since mobile phones can identify individuals, it is easy to identify an insured person without the need for conventional methods such as performing some login operations on in-vehicle devices to identify the driver. can do.

  In addition, even when a single vehicle is shared by multiple drivers, the driving distance for each driver can be ascertained simply by bringing a mobile phone into the vehicle, so calculate the appropriate insurance premium for each driver. Can do. For example, when a single vehicle is shared by a driver in their 20s whose insurance premium is set relatively high and a 50's driver whose insurance premium is set relatively low (for example, when the vehicle is shared by a family) ), Insurance premiums according to the ratio of the distance traveled by both drivers can be calculated.

  In addition, although a car sharing system is realized, the driving distance for each driver can be reflected in the insurance premium by using the above method in such a system. Therefore, only the insurance premium corresponding to the risk of each driver can be borne by the driver, and the insurance premium service can be improved.

  In addition, in order to calculate the insurance premium based on the cumulative travel distance, as described above, data on the insurance period is necessary, and this can be obtained by any appropriate method. For example, in the first and second embodiments described above, the start date and end date of the insurance period are input by the user via the input operation unit 13 of the mobile phone 10. Thereby, the application execution unit 111 can read the travel distance history between the start date and the end date of the insurance period from the memory 118, and calculate the insurance premium using the read travel distance history. Can do. In the third embodiment, since the external server 32 is a server of an insurance company, the server 32 recognizes the start date and the end date of the insurance period of each insured person. Therefore, from the identification number of the mobile phone 10 received from the mobile phone 10, the corresponding insured person is specified, and based on the travel distance data between the start date and the end date of the insurance period of the insured person, The accumulated mileage during the insurance period can be obtained or calculated, and thus the insurance premium based on the accumulated mileage can be calculated.

  In one embodiment, the travel distance on the start date of the insurance period and the travel distance on the end date are acquired from the travel distance meter 41 separately from the travel distance at the start and end of each driving. The difference is calculated. The calculated difference is compared with the cumulative travel distance when the insurance period expires, which is calculated based on the travel distance for each driving as described above. The comparison is performed in order to determine the accuracy or reliability of the accumulated travel distance.

  For example, when the vehicle is driven without connecting the mobile phone 10 to the in-vehicle device 20, the travel distance displayed on the odometer 41 increases, but the travel distance data is not transmitted to the mobile phone 10. The cumulative mileage does not increase. In such a state, it is difficult to grasp an accurate cumulative travel distance. Therefore, when the insurance period expires, the difference between the mileage on the start date and the end date of the insurance period is compared with the cumulative mileage when the insurance period expires. Then, it is determined that the cumulative travel distance is highly reliable, and an insurance premium using the cumulative travel distance is calculated.

  Since this is for determining the reliability of the accumulated mileage, the above difference calculation and comparison processing is typically performed when the external server 32 of the third embodiment is a server of an insurance company. This is executed as part of the insurance fee calculation program of the server 32. However, the calculation of the difference and the comparison process are described in the program corresponding to the application of the mobile phone 10 in the first and second embodiments, and the reliability is determined through the execution of the program. Also good.

  Acquisition of the travel distance of the start date and the end date of the insurance period can be realized by any appropriate method. As described above, in the first and second modes, the start date and the end date of the insurance period can be acquired by a user operation via the input operation unit 13, and in the third mode, the insurance company's start date and end date can be acquired. The server recognizes the start date and end date. Therefore, from the travel distance history described above, the travel distance at the start of operation of the first driving on the start date of the insurance period (more precisely, after the predetermined date and time specified for the start date in the contract) is calculated. , As the mileage of the insurance period start date, and at the end of the last driving on the end date of the insurance period (more precisely, up to the predetermined date specified for the end date in the contract as described above) Can be acquired as the travel distance on the end date of the insurance period.

  Alternatively, the travel distance of the insurance period start date and end date may be acquired by a method separate from the travel distance history data. For example, a program for receiving the travel distance of the insurance period start date and end date is included in the car insurance application of the mobile phone 10. As described above, the driver brings the mobile phone 10 into the vehicle and connects it to the in-vehicle device 20 on the start date of the insurance period. For example, in response to a user operation via the input operation unit 13 of the mobile phone 10 or according to a user operation via the input operation unit 23 of the in-vehicle device 20, the application execution unit 111 receives the travel distance on the insurance period start date. Run the program. Through execution of the program, the application execution unit 111 transmits a signal requesting a travel distance to the in-vehicle device 20. In response to this signal, the travel distance acquisition unit 215 acquires the travel distance from the odometer 41 and transmits it to the mobile phone 10. The application execution unit 111 stores the received travel distance data in the memory 118 as the travel distance on the insurance period start date. By performing the same operation on the end date of the insurance period, the travel distance on the end date of the insurance period can be acquired. In this way, since the mobile phone 10 stores the data of the travel distance of the start date and the end date of the insurance period, the insurance fee calculation program of the mobile phone 10 performs the above comparison process using the data. The reliability of the cumulative travel distance can be determined. Alternatively, by sending the data to the external server 32 via the communication unit 16, the insurance premium calculation program of the external server 32 performs the above comparison process to determine the reliability of the accumulated mileage. be able to. Alternatively, when the external server 32 is an insurance company server, the insurance fee calculation program of the insurance company server is sent to the insurance company server by transmitting the data to the insurance company server via the communication unit 16. A comparison process can be performed to determine the reliability of the accumulated travel distance.

  When one driver uses one vehicle, the accumulated mileage accumulated for each driving should be almost equal to the difference between the mileage on the start date and the end date of the insurance period. Therefore, the reliability of the accumulated travel distance can be determined by the above comparison process. However, when a single vehicle is used by a plurality of drivers, the difference between the travel distances of the start date and the end date of the insurance period becomes approximately equal by summing up the cumulative travel distances of the plurality of drivers. It should be. Therefore, when a plurality of drivers use one vehicle, the insurance company server adds the accumulated mileage of each of the plurality of drivers to increase the reliability of the accumulated mileage of these drivers. Can be determined.

  FIG. 6 shows a flowchart of a process executed by the travel distance acquisition unit 215 according to an embodiment of the present invention. This process can be performed at predetermined time intervals.

  In step S11, it is determined whether the ignition of the vehicle is turned on. If the ignition of the vehicle is turned on, in step S12, the travel distance is acquired from the odometer 41, and the travel distance data is transmitted to the mobile phone 10 as travel distance data at the start of driving.

  In step S13, it is determined whether the ignition of the vehicle has been turned off. If the ignition of the vehicle is turned off, the travel distance is acquired from the odometer 41 in step S14, and the travel distance data is transmitted to the mobile phone 10 as travel distance data at the end of driving.

  If the vehicle ignition is neither on nor off, the process is exited.

  7 and 8 are based on the third embodiment described above. FIG. 7 shows a flowchart of a process executed by the application execution unit 111, more specifically, a program for receiving a travel distance according to an embodiment of the present invention. This process can be executed in response to reception of travel distance data from the in-vehicle communication device 20.

  In step S21, it is determined whether or not the travel distance data at the start of driving has been received from the in-vehicle device 20. If received, in step S22, the travel distance data is stored in the memory 118 together with the current date and time.

  In step S23, it is determined whether or not data on the travel distance at the end of driving has been received from the in-vehicle device 20. If received, in step S24, the travel distance data is stored in the memory 118 together with the current date and time.

  If neither the travel distance data at the start of driving nor the travel distance data at the end of driving is received from the in-vehicle device 20, the process is exited.

  In step S25, the stored travel distance data at the start and end of driving is transmitted to the insurance company server, which is the external server 32, together with the identification number (telephone number) of the mobile phone 10. In the server, the insured person is specified based on the identification number, whereby the data of the travel distance at the start and end of driving is accumulated for each insured person and the travel distance history is generated.

  FIG. 8 shows a flowchart of a process executed by an external server 32, more specifically, a program for calculating an insurance premium when the external server 32 is an insurance company server according to an embodiment of the present invention. . In this example, the insurance premium is calculated for each insured when the insurance period expires.

  In step S31, it is determined whether the insurance period has expired. If the insurance period has not expired, the process is exited. If the insurance period has expired, in step S32, the mileage history data during the insurance period is read from the mileage history data of the insured person received and stored in the process of FIG.

  In step S33, the cumulative travel distance during the insurance period is calculated based on the read travel distance history data. That is, for each operation, the difference between the start distance and the end distance is calculated, and the difference is accumulated (added) for all the operations during the insurance period to calculate the accumulated distance. .

  In Step S34, the travel distance on the start date and the travel distance on the end date of the insurance period are acquired, and the difference between them is calculated. As described above, the travel distance on the start date and the end date of the insurance period may be acquired from the travel distance history described above, or separately from the travel distance history, the in-vehicle communication device 20 and the mobile phone 10 It may be obtained through

  In step S35, the cumulative travel distance calculated in step S33 is compared with the difference calculated in step S34, and it is determined whether the magnitude (absolute value) of the difference between the two is not more than a predetermined value. If it is below the predetermined value (S35 is Yes), it is determined that the reliability of the accumulated travel distance is high (S36), and the process proceeds to step S37. In step S37, the insurance premium is calculated by a predetermined algorithm using the cumulative travel distance. If it is not less than the predetermined value (S35 is No), it is determined that the reliability of the accumulated travel distance is low (S39), and the process is exited.

  In step S38, as a result of calculating the insurance premium, an excess or deficiency (difference insurance premium) with respect to the current insurance premium is calculated, and a service corresponding to the difference insurance premium is provided. As described above, there are cases of overpayment and underpayment, and service processing corresponding to each can be automatically activated in step S38 and provided to the mobile phone 10. For example, an e-mail for notifying an insurance premium for insufficient payment may be transmitted to the mobile phone 10 or a predetermined electronic coupon corresponding to an overpaid insurance premium may be issued and transmitted to the mobile phone 10.

  If it is determined that the reliability is low, in order to investigate the reason why the cumulative travel distance is low, for example, an email is sent to the mobile phone 10 to contact the driver (insured person). Can respond.

  When one vehicle is shared by a plurality of drivers, as described above, the cumulative mileage of these drivers is added, and the added value and the difference calculated in step S34 are What is necessary is just to compare by step S35. If the difference between the sum and the difference is less than or equal to a predetermined value, it is determined that the cumulative mileage of these drivers is high, and if not, these drivers' It can be determined that the reliability of the cumulative travel distance is low.

  As described above, specific embodiments of the present invention have been described. However, the present invention is not limited to these embodiments.

10 Mobile devices (cell phones)
20 on-vehicle equipment 41 odometer 215 mileage acquisition unit 32 external server

Claims (3)

An odometer to measure the mileage of the vehicle;
An in-vehicle device mounted on the vehicle and connected to be communicable with a mobile device;
The in-vehicle device has a driving distance at the start of the driving and a driving distance at the end of the driving each time the driver drives the vehicle during the insurance period of the car insurance that the driver of the vehicle joins. Is acquired from the odometer, and data of the mileage is transmitted to the portable device,
In the portable device or an external server communicably connected with the portable device, the difference between the mileage at the start and the end of the driving for each driving is accumulated for all driving during the insurance period. The cumulative mileage is calculated by using the cumulative mileage as the mileage used for calculating the insurance premium of the automobile insurance.
A system for calculating premiums. The external server is a server of the insurance company of the car insurance, and the portable device is capable of calculating an insurance premium using the cumulative mileage at the start of the driving for each driving. At least one of a travel distance and a travel distance at the end of the driving, a difference between the travel distance at the start and the travel distance at the end, and the cumulative travel distance calculated by accumulating the difference, Along with the identification number of the portable device, send to the server,
The system of claim 1. The in-vehicle device further acquires the travel distance on the start date and the end date of the insurance period from the travel distance meter and transmits the travel distance to the portable device,
The portable device transmits to the insurance company server at least one of the travel distance on the start date and the end date of the insurance period, and the difference between the travel distance on the start date and the travel distance on the end date. And
The server determines the reliability of the cumulative travel distance based on the difference between the travel distance on the start date and the travel distance on the end date and the cumulative travel distance.
The system according to claim 1 or 2.

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