JP2018120577A - Vehicle drive insurance device and vehicle drive insurance program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide insurance corresponding to a substantial risk occurring during driving of a vehicle.SOLUTION: A vehicle drive insurance device (100) of the present invention includes a mode recognition unit (110) and a contract processing unit (120). The mode recognition unit (110) recognizes the mode of a vehicle (200) switchable between a stop mode (S) of stopping the drive of the vehicle (200) and a drive mode (D) capable of driving the vehicle (200). On the basis of switching of the mode of the vehicle (200) recognized by the mode recognition unit (110) from the stop mode (S) to the drive mode (D), the contract processing part (120) starts an insurance contract of the drive of the vehicle (200).SELECTED DRAWING: Figure 1

Description

  The present invention relates to a vehicle driving insurance device and a vehicle driving insurance program.

  In general, a car driver takes out car insurance before driving a car in order to compensate for damage caused by an accident. Typically, auto insurance contracts are made on a period basis (yearly or daily).

  In recent years, it has become widespread to appropriately set an insurance premium according to the policyholder's risk by examining the risk according to the driving situation and making a difference in the insurance premium. Typically, at the time of an insurance contract, the policyholder declares an assumed mileage together with his / her non-fleet class, and an insurance premium corresponding to the non-fleet class and the assumed mileage is set.

  However, even in this case, if the assumed mileage of the policyholder when the insurance contract is concluded is different from the actual mileage, the insurance premium may be excessive or insufficient with respect to the actual mileage. Therefore, a system that determines insurance premiums according to the actual travel distance and the actual driver is known (see, for example, Patent Document 1).

  In the system of Patent Document 1, a travel distance measuring unit and an imaging unit are mounted on an automobile, and an actual travel distance and an actual driver are measured. In the system of Patent Document 1, after confirming whether the driver of the automobile has an error in the contents of the insurance contract, if the actual mileage is longer than the contracted mileage, the difference in the insurance premium is notified, Allow insurance premiums to be paid. As described above, the system of Patent Document 1 attempts to eliminate the unreasonableness between the policyholders by setting the insurance premium according to the actual driving situation.

JP 2004-21694 A

  However, even in the system of Patent Document 1, the insurance does not sufficiently reflect the substantial risk generated by driving the vehicle. For example, in the system of Patent Document 1, when a policyholder is admitted after signing an insurance contract, the policyholder needs to bear the insurance premium determined when the insurance contract is concluded even if the actual mileage is zero. There is. Even if the travel distance is relatively short, if the road is congested, the driving time becomes long and the risk of accidents increases. In this way, the risk of accidents could not be fully estimated by the mileage alone.

  The present invention has been made in view of the above problems, and an object of the present invention is to provide a vehicle driving insurance device and a vehicle driving insurance program capable of providing insurance in accordance with a substantial risk caused by driving a vehicle. .

  The vehicle driving insurance apparatus according to the present invention includes a mode recognition unit and a contract processing unit. The mode recognition unit recognizes a mode of the vehicle that can be switched between a stop mode in which the vehicle is in a stop state and an operation mode in which the vehicle is in a drivable state. The contract processing unit starts an insurance contract when the mode of the vehicle recognized by the mode recognition unit is switched from the stop mode to the operation mode.

  In one embodiment, the contract processing unit receives contract information and starts the insurance contract according to the contract information.

  In one embodiment, the contract processing unit terminates the insurance contract based on the vehicle mode recognized by the mode recognizing unit switching from the driving mode to the stop mode.

  In one embodiment, the mode recognizing unit is attached to the vehicle, and the contract processing unit is arranged at a position away from the vehicle.

  In one embodiment, the contract processing unit determines an insurance premium based on a period of the operation mode.

  The vehicle driving insurance program according to the present invention causes a computer to execute a receiving step and a step of starting an insurance contract. In the receiving step, the mode of the vehicle that can be switched between a stop mode in which the vehicle is in a stopped state and an operation mode in which the vehicle is in a drivable state is received. In the step of starting the insurance contract, the insurance contract is started on the basis that the mode of the vehicle is switched from the stop mode to the driving mode.

  ADVANTAGE OF THE INVENTION According to this invention, the insurance according to the substantial risk which arises by driving | operation of a vehicle can be provided.

1 is a schematic diagram of an embodiment of a vehicle driving insurance apparatus according to the present invention. It is a flowchart in embodiment of the vehicle driving insurance program by this invention. 1 is a schematic diagram of an embodiment of a vehicle driving insurance apparatus according to the present invention. 1 is a schematic diagram of an embodiment of a vehicle driving insurance apparatus according to the present invention. 1 is a schematic diagram of an embodiment of a vehicle driving insurance apparatus according to the present invention. 1 is a schematic diagram of an embodiment of a vehicle driving insurance apparatus according to the present invention. 1 is a schematic diagram of an embodiment of a vehicle driving insurance apparatus according to the present invention. 1 is a schematic diagram of an embodiment of a vehicle driving insurance apparatus according to the present invention.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. In the drawings, the same or corresponding parts are denoted by the same reference numerals, and description thereof will not be repeated.

  With reference to FIG. 1, an embodiment of a vehicle driving insurance apparatus 100 according to the present invention will be described. FIG. 1 is a schematic diagram of a vehicle driving insurance device 100 of the present embodiment. The vehicle driving insurance apparatus 100 of the present embodiment includes a mode recognition unit 110, a contract processing unit 120, and a communication unit 130.

  The mode recognition unit 110 recognizes the mode of the vehicle 200. The vehicle 200 moves according to the driving of the driver. The mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched between the stop mode S and the operation mode D.

  In the stop mode S, the vehicle 200 is in a stop state. On the other hand, in the driving mode D, the vehicle 200 is in a drivable state. Here, the vehicle 200 cannot move in the stop mode S, and the vehicle 200 can move in the driving mode D. In the driving mode D, the vehicle 200 may move according to the driver's operation. Alternatively, in the driving mode D, the vehicle 200 does not have to move in the driving enabled state.

  When the vehicle 200 changes from the stop state to the operable state, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. On the other hand, when the vehicle 200 changes from the drivable state to the stop state, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S.

  The vehicle 200 may have a power source for movement. Here, the vehicle 200 is a four-wheeled vehicle. When the power source of the vehicle 200 is not driven, the vehicle 200 is in the stop mode S. For example, when the power mode of the vehicle 200 is the off mode and the accessory mode, the vehicle 200 is in the stop mode S. Further, the vehicle 200 is in the stop mode S when the power mode of the vehicle 200 is the on mode without reaching the start mode.

  On the other hand, when the power source of the vehicle 200 is driven, the vehicle 200 is in the operation mode D. For example, when the power mode of the vehicle 200 is the start mode or when the power mode of the vehicle 200 is the on mode after reaching the start mode, the vehicle 200 is in the driving mode D. In the driving mode D, the vehicle 200 is in a drivable state, but the vehicle 200 does not necessarily have to move. For example, when the vehicle 200 does not move in the operation mode D, the vehicle 200 is typically warm-up (idling).

  In the vehicle driving insurance device 100 according to the present embodiment, the contract processing unit 120 is disposed at a location away from the vehicle 200, and the communication unit 130 is mounted on the vehicle 200. The communication unit 130 can communicate with the contract processing unit 120 via the communication network N. The communication unit 130 transmits the mode of the vehicle 200 to the contract processing unit 120.

  The communication unit 130 transmits the mode of the vehicle 200 recognized by the mode recognition unit 110 to the contract processing unit 120. For example, when the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D, the communication unit 130 confirms that the vehicle 200 is switched from the stop mode S to the operation mode D. Send to. Here, the communication unit 130 transmits the mode of the vehicle 200 recognized by the mode recognition unit 110 to the contract processing unit 120 in real time.

  The contract processing unit 120 receives the mode of the vehicle 200 transmitted via the communication unit 130. The contract processing unit 120 includes an information processing apparatus. For example, the contract processing unit 120 includes a server. The contract processing unit 120 starts an insurance contract for driving the vehicle 200 based on the mode of the vehicle 200 being switched from the stop mode S to the driving mode D. The insurance contract follows the contract information. The contract processing unit 120 has contract information at least before the start of the insurance contract. The contract processing unit 120 itself may have contract information. Alternatively, the contract processing unit 120 stores the contract information on an external server, reads the contract information from the external server as needed, temporarily stores it, and updates the contract information of the external server after use. The contract information stored by itself may be deleted.

  The contract processing unit 120 includes a recording unit 120a, a control unit 120b, and a communication unit 120c. The recording unit 120a includes a non-transitory computer-readable recording medium. The recording unit 120a records a computer program. The recording unit 120a may record contract information.

  For example, the computer program is recorded on a non-transitory computer-readable recording medium of the recording unit 120a. Non-transitory computer-readable recording media include, for example, static random access memory (RAM), electrically erasable programmable read-only memory (EEPROM), and erasable programmable read-only memory (EPROM). ROM (Read-Only Memory), magnetic memory, flash memory, magnetic disk, and optical disk.

  The control unit 120b includes a dedicated machine having a central processing unit (CPU). The control unit 120b typically executes a computer program recorded in the recording unit 120a.

  The communication unit 120c receives the mode of the vehicle 200 transmitted from the communication unit 130. The control unit 120b executes the computer program based on the mode of the vehicle 200 received by the communication unit 120c.

  In the vehicle driving insurance device 100 of the present embodiment, the contract processing unit 120 starts an insurance contract based on the mode of the vehicle 200 being switched from the stop mode S to the driving mode D. When the vehicle 200 is in the stop mode S, which is a stop state, an accident caused by the operation of the vehicle 200 does not occur. For this reason, it is not necessary to contract insurance for driving the vehicle 200 when the vehicle 200 is in the stop mode S. On the other hand, when the vehicle 200 is in the driving mode D in which the vehicle 200 can be driven, the probability that an accident will occur in the driving of the vehicle 200 is relatively high. For this reason, by starting the insurance contract based on the switching of the vehicle 200 from the stop mode S to the driving mode D, it is possible to prepare for a substantial risk that occurs in the driving of the vehicle 200.

  As described above, the contract processing unit 120 starts an insurance contract according to the contract information. The contract information includes, for example, information on a policyholder, a driver, and / or a contract object. The policyholder and / or driver information may be, for example, the policyholder and / or driver's name, address, date of birth, driver's license number, health / health card number and personal number (my number). Including at least one. The contract object information includes, for example, at least one of a product name, a manufacturer, a model number, and a use period of the contract object (for example, the vehicle 200).

  The contract information includes information on compensation items and compensation amounts. Compensation items include personal compensation, objective compensation, passenger injury, personal injury, vehicle insurance, and the like.

  The contract information includes information on the payer of the insurance premium. The payer may or may not be a policyholder. For example, the payer information includes, for example, at least one of the payer's address, date of birth, driver's license number, health / health card number, personal number (my number), and withdrawal account number. Alternatively, the payer information may include a deposit amount that has been deposited in advance by the payer. The contract information may include a past contract history of at least one of the insurance contractor, the contract object, and the payer.

  The contract processing unit 120 starts an insurance contract according to the contract information. The contract processing unit 120 may receive the contract information immediately before starting the insurance contract. For example, the contract processing unit 120 may receive contract information after the mode of the vehicle 200 is switched from the stop mode S to the driving mode D, and then the contract processing unit 120 may start an insurance contract. Alternatively, the contract processing unit 120 receives the contract information after the driver of the vehicle 200 gets on the vehicle 200 and before the mode of the vehicle 200 is switched from the stop mode S to the driving mode D, and thereafter, the contract processing unit 120. May start an insurance policy. Alternatively, the contract processing unit 120 may receive the contract information before the driver of the vehicle 200 gets on the vehicle 200.

  As described above, the contract processing unit 120 starts an insurance contract when the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. The contract processing unit 120 may end the insurance contract under a predetermined condition. When the operation mode D continues for an excessively long period of time, the probability of an accident may increase. For this reason, after starting the insurance contract, the contract processing unit 120 may automatically end the insurance contract when the operation mode D continues for an excessively long period of time.

  Alternatively, when the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S, the communication unit 130 confirms that the vehicle 200 is switched from the operation mode D to the stop mode S. Send to. The contract processing unit 120 may end the insurance contract based on the mode of the vehicle 200 being switched from the operation mode D to the stop mode S.

  The vehicle 200 further includes a housing 210, a drive unit 220, a handle 222, an accelerator pedal 224, a brake pedal 226, and wheels 230. The casing 210 covers the drive unit 220, the handle 222, the accelerator pedal 224, and the brake pedal 226.

  The drive unit 220 includes an engine. The engine may be an internal combustion engine or an electric motor. Alternatively, the engine may be a hybrid type of an internal combustion engine and an electric motor. In the driving mode D, when the driver steps on the accelerator pedal 224, the power of the driving unit 220 is transmitted to the wheels 230, and the vehicle 200 is accelerated toward the operation direction of the handle 222. Further, when the driver steps on the brake pedal 226 while the vehicle 200 is traveling, the vehicle 200 decelerates.

  The mode recognition unit 110 recognizes the mode of the vehicle 200 according to the driving of the driving unit 220. For example, when the drive unit 220 starts driving, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. On the other hand, when the drive unit 220 stops driving, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S.

  The mode recognition unit 110 may be linked to the drive unit 220 and may mechanically or electrically detect the drive of the drive unit 220 and notify the communication unit 130 of it. Alternatively, the mode recognition unit 110 may be linked to a switch for switching the drive of the drive unit 220, and may detect the switch switching mechanically or electrically and notify the communication unit 130 of it.

  For example, the driving unit 220 is interlocked with a switch provided with a keyhole. The key has a unique shape, and the keyhole has a shape corresponding to the key. By inserting the key into the keyhole and rotating the key clockwise to reach the start mode, the starter rotates and the drive unit 220 is driven. When the drive unit 220 starts driving, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. On the other hand, the drive of the drive unit 220 is stopped by rotating the key inserted into the keyhole counterclockwise to reach the off mode. When driving of the drive unit 220 stops, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S.

  The driving unit 220 may be interlocked with a switch button attached to the vehicle 200. The drive unit 220 is driven by a switch button attached to the vehicle 200. For example, when the driving unit 220 starts driving when the driver of the vehicle 200 presses the switch button once with the brake pedal 226 depressed, the mode recognition unit 110 drives the vehicle 200 from the stop mode S. Recognize switching to mode D. On the other hand, when the driver of the vehicle 200 presses the switch button again to stop the driving of the driving unit 220, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the driving mode D to the stop mode S.

  Alternatively, the drive unit 220 may be linked to a remote switch that is not attached to the vehicle 200. The drive unit 220 is driven by the remote switch. For example, when the driver of the vehicle 200 presses the driving button of the remote switch, the driving unit 220 starts driving. In this case, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. On the other hand, when the driver of the vehicle 200 presses the stop button of the remote switch, the drive unit 220 stops driving. In this case, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S.

  When the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D, the communication unit 130 causes the contract processing unit 120 to switch the mode of the vehicle 200 from the stop mode S to the operation mode D. Send. The contract processing unit 120 starts an insurance contract based on the communication content from the communication unit 130.

  When the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S, the contract processing unit 120 determines that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S. The insurance contract may be terminated accordingly. When the vehicle 200 enters the stop mode S in which the vehicle 200 is in a stopped state, the insurance contract is terminated. Therefore, it is possible to avoid generating insurance premiums that do not match the risk without continually contracting insurance during the vehicle 200 stop period. .

  The contract processing unit 120 may end the insurance contract according to the driving situation of the vehicle 200. In this case, the communication unit 130 communicates the driving status of the vehicle 200 to the contract processing unit 120. The communication unit 130 communicates with the contract processing unit 120 that the vehicle 200 has suddenly accelerated, suddenly stopped, or suddenly changed lanes in conjunction with the handle 222, the accelerator pedal 224, and / or the brake pedal 226. For example, when the vehicle 200 suddenly accelerates, suddenly stops, or suddenly changes lanes or when the speed of the vehicle 200 exceeds the speed limit, the contract processing unit 120 may end the insurance contract. Good. However, before terminating the insurance contract, the contract processing unit 120 preferably gives a warning to the driver of the vehicle 200 that the insurance contract is terminated or a prior notice that the insurance contract is terminated.

  The contract processing unit 120 may immediately settle the insurance premium associated with the insurance contract after completing the insurance contract. Alternatively, the contract processing unit 120 may sequentially settle insurance premiums accompanying the insurance contract during the insurance contract period. In this case, the contract processing unit 120 preferably has the withdrawal account number of the payer of the insurance premium.

  Alternatively, the contract processing unit 120 may subtract the insurance premium from the deposit amount that has been deposited in advance. For example, the contract processing unit 120 pre-pays a maximum fee for a predetermined period (for example, one month or one year) as a condition for starting an insurance contract, and then according to the length of the period of the operation mode D Insurance premiums may be settled. In this case, the contract processing unit 120 refunds the remaining amount to the payer after a predetermined period.

  Alternatively, the contract processing unit 120 may record the insurance premiums for a certain period of time and settle them together, instead of making a settlement immediately after completing the insurance contract. For example, the contract processing unit 120 may settle the insurance premiums charged to the payer in units of months or years.

  Note that, as described above, the contract processing unit 120 starts an insurance contract based on the vehicle 200 switching from the stop mode S to the operation mode D, and based on the vehicle 200 switching from the operation mode D to the stop mode S. The insurance contract may be terminated. In this case, the contract processing unit 120 can calculate a period during which the mode of the vehicle 200 is the driving mode D. For example, when the drive unit 220 starts driving, the contract processing unit 120 records the time when the vehicle 200 is switched from the stop mode S to the operation mode D. When the drive unit 220 stops driving, the contract processing unit 120 records the time when the vehicle 200 is switched from the operation mode D to the stop mode S.

  For this reason, the contract processing unit 120 can determine the insurance premium based on the length of the period of the operation mode D. For example, when the period of the operation mode D is 1 hour, the insurance premium may be determined so as to be doubled as compared to the insurance premium when the period of the operation mode D is 30 minutes.

  Of course, if the operation mode D period is long to a certain extent, it is highly likely that the vehicle will travel on a relatively wide road, so the insurance premium is set to discount the cost per unit time considering the probability of an accident. May be. For example, when the period of the operation mode D is 1 hour, the contract processing unit 120 increases the insurance premium so that it is 1.5 to 1.8 times the insurance premium when the period of the operation mode D is 30 minutes. It may be set.

  Alternatively, when the period of the operation mode D is excessively long, the insurance premium may be set so as to increase the usage fee per unit time in consideration of the probability of occurrence of an accident. For example, when the period of the operation mode D is 3 hours, the contract processing unit 120 may set the insurance premium so that it is several times higher than the insurance premium when the period of the operation mode D is 1 hour.

  The contract processing unit 120 is not limited to the period of the operation mode D, and can appropriately set insurance premiums according to various conditions. For example, the contract processing unit 120 may set the insurance premium in consideration of the accident occurrence rate according to the time zone and season in which the vehicle 200 is driven.

  Further, in the operation mode D, the contract processing unit 120 may set the insurance premium in consideration of the accident occurrence rate according to the traveling direction of the vehicle 200. For example, the contract processing unit 120 may set the insurance premium when the vehicle 200 moves backward with the gear set to R higher than the insurance premium when the vehicle 200 moves forward with the gear set D.

  Further, the contract processing unit 120 may set the insurance premium in consideration of the accident occurrence rate according to the speed of the vehicle 200. For example, the contract processing unit 120 may increase the insurance premium when the speed of the vehicle 200 is 60 km or higher than the insurance premium when the speed of the vehicle 200 is less than 60 km.

  Alternatively, when the vehicle 200 is equipped with the on-vehicle device of the electronic fee collection system, the contract processing unit 120 may set the insurance premium based on the driving status of the on-vehicle device of the electronic fee collection system. When the vehicle 200 travels on a highway, there is a risk that the degree of an accident increases with an increase in speed. Therefore, the communication unit 130 transmits the driving status of the on-board unit of the electronic toll collection system to the contract processing unit 120 in conjunction with the on-board unit of the electronic toll collection system.

  When the vehicle-mounted device of the electronic toll collection system is driven through the toll gate at the entrance or exit of the highway of the vehicle 200, the communication unit 130 travels on the highway with a high speed limit or no speed limit. Whether or not the contract is processed is transmitted to the contract processing unit 120. When the vehicle-mounted device recognizes that the vehicle 200 passes through the toll gate at the entrance of the expressway, the contract processing unit 120 increases the insurance premium. When the vehicle-mounted device recognizes that the vehicle 200 passes through the toll gate at the exit of the highway, the contract processing unit 120 reduces the insurance premium.

  The vehicle 200 may further include an input unit 242. A driver and / or a passenger of the vehicle 200 can input contract information from the input unit 242. The communication unit 130 communicates the contract information input from the input unit 242 to the contract processing unit 120.

  In addition, the vehicle 200 preferably includes a display unit 244. In this case, the contract processing unit 120 can display the insurance contract confirmation screen on the display unit 244 via the communication unit 130, and the driver of the vehicle 200 and / or the passenger can visually confirm the insurance contract. . For example, the vehicle 200 preferably has a touch panel in which the input unit 242 and the display unit 244 are integrated. The vehicle 200 may use a so-called car navigation system as the input unit 242 and the display unit 244.

  The input unit 242 and / or the display unit 244 may not be mounted on the vehicle 200. For example, as the input unit 242 and / or the display unit 244, an electronic device owned by the driver of the vehicle 200 and / or the passenger may be used. The electronic device includes a mobile phone or a smartphone. For example, the electronic device may display a route guidance application as the display unit 244.

  The vehicle 200 is preferably equipped with a global positioning system receiver 246. The global positioning system receiver 246 can receive signals from satellites and measure positions on the earth. In this case, the display unit 244 preferably displays the surrounding map and the position of the vehicle 200 together. When the communication unit 130 communicates the measurement result of the global positioning system receiver 246 to the contract processing unit 120, the contract processing unit 120 calculates the accident occurrence rate according to the road type and the driving region where the vehicle 200 travels. Insurance premiums can be set in consideration.

  For example, when the driver of the vehicle 200 inputs the driver's personal information as contract information to the input unit 242, the communication unit 130 communicates the input driver's personal information to the contract processing unit 120. The driver's personal information may be a driver's e-mail address or identification number preset in the contract processing unit 120.

  The contract processing unit 120 may determine the insurance premium based on not only the period of the driving mode D of the vehicle 200 but also the personal information of the driver. For example, when the accident history of the driver of the vehicle 200 is small, the contract processing unit 120 may set the insurance premium lower than the insurance premium of another driver.

  When the driver of the vehicle 200 transmits his / her contract information to the contract processing unit 120 in advance, the contract processing unit 120 has the driver's contract information before the driver drives the vehicle 200. Yes. In this case, just before the driver drives the vehicle 200, the contract processing unit 120 can specify the driver only by transmitting only a part of the driver's contract information to the contract processing unit 120. 120 can immediately start an insurance contract.

  Typically, the policyholder is the owner of the vehicle 200, but the present invention is not limited to this. The policyholder may not be the owner of the vehicle 200. The policyholder may be a so-called rental car dealer and / or a sharing dealer. The policyholder may be a user who uses the vehicle 200 borrowed from an acquaintance free of charge or for a fee. Note that when the driver of the vehicle 200 is different from the owner of the vehicle 200 and the owner of the vehicle 200 charges the driver of the vehicle 200 for the usage fee of the vehicle 200, the contract processing unit 120 uses the vehicle 200. You may settle the fee.

  In the vehicle driving insurance device 100 of the present embodiment, the contract processing unit 120 starts an insurance contract based on the mode of the vehicle 200 being switched from the stop mode S to the driving mode D. Needless to say, the contractor of the insurance contract may separately contract with the contract processing unit 120 in addition to the insurance contract that starts based on the switching of the vehicle 200 from the stop mode S to the driving mode D. For example, the policyholder of the insurance contract may separately contract with the contract processing unit 120 for insurance against theft or hitting of the vehicle 200 when the vehicle 200 is in the stop mode S.

  The steps executed by the vehicle driving insurance program according to this embodiment will be described below with reference to FIGS. 1 and 2. FIG. 2 is a flowchart showing steps executed by the vehicle driving insurance program of the present embodiment. The vehicle driving insurance program is recorded in the recording unit 120a of the contract processing unit 120 shown in FIG. 1, and is executed by the control unit 120b.

  When the vehicle driving insurance program is started, the contract processing unit 120 determines whether or not the mode of the vehicle 200 is switched from the stop mode S to the driving mode D as shown in step S202. The contract processing unit 120 receives the mode of the vehicle 200 from the communication unit 130. In the case of NO in step S202, the contract processing unit 120 determines again whether the mode of the vehicle 200 is switched from the stop mode S to the operation mode D after a predetermined period has elapsed.

  If YES in step S202, as shown in step S204, it is determined whether or not the contract processing unit 120 has contract information. In the case of NO in step S204, the contract processing unit 120 determines again whether or not it has contract information after a predetermined period. As described above, when the contract processing unit 120 does not have the contract information, the contract processing unit 120 waits until the contract information is received from the communication unit 130.

  If YES in step S204, the contract processing unit 120 starts an insurance contract according to the contract information, as shown in step S206.

  Next, as shown in step S208, the contract processing unit 120 determines whether or not the mode of the vehicle 200 is switched from the operation mode D to the stop mode S. If NO in step S208, the contract processing unit 120 continues the insurance contract. After a predetermined period of time, the contract processing unit 120 determines again whether or not the mode of the vehicle 200 is switched from the operation mode D to the stop mode S. In this way, the contract processing unit 120 continues the insurance contract until the vehicle 200 is switched from the operation mode D to the stop mode S.

  If YES in step S208, the contract processing unit 120 ends the insurance contract as shown in step S210. Thereafter, the vehicle driving insurance program ends. As described above, the contract processing unit 120 can contract insurance in accordance with the actual state of risk when the vehicle 200 is in a drivable state.

  The communication unit 130 may not be a dedicated machine of the vehicle driving insurance device 100, and the communication unit 130 may use a communication device mounted on the vehicle 200. Alternatively, the communication unit 130 may be a mobile communication device that a driver of the vehicle 200 and / or a passenger has. For example, the mobile communication device includes a mobile phone or a smartphone.

  Moreover, the mode recognition part 110 and the communication part 130 may be integrated by one communication apparatus. For example, the communication device capable of communicating with the contract processing unit 120 can recognize the mode of the vehicle 200 by detecting the driving of the driving unit 220. When the mobile communication device detects the driving state of the drive unit 220, it is preferable that an application is installed in the mobile communication device so as to work with a switch, a switch button, and a remote switch that work with the drive unit 220.

  In the above description, the communication unit 130 transmits the mode of the vehicle 200 recognized by the mode recognition unit 110 to the contract processing unit 120 in real time, but the present invention is not limited to this. The communication unit 130 may transmit the mode of the vehicle 200 to the contract processing unit 120 at predetermined time intervals. The predetermined time interval is preferably, for example, every second or every minute. Alternatively, the predetermined time interval may be every 10 minutes, every hour, or every day. However, even when the time interval for communication of the communication unit 130 is relatively long, it is preferable that the time change interval of the mode of the vehicle 200 transmitted by the communication unit 130 is relatively short. For example, the communication unit 130 records the change in the mode of the vehicle 200 recognized by the mode recognition unit 110 every second, and transmits the change in the mode of the vehicle 200 to the contract processing unit 120 every 10 minutes. Good.

  In the above description with reference to FIGS. 1 and 2, the driving unit 220 starts driving by switching a switch for starting driving of the driving unit 220, but the present invention is not limited to this. For example, when the driver of the vehicle 200 switches a switch for starting the driving of the driving unit 220, the driving unit 220 may start driving on the condition that the contract processing unit 120 has contract information. Good.

  For example, when the driver of the vehicle 200 switches a switch for starting the driving of the driving unit 220, the communication unit 130 inquires whether the contract processing unit 120 has contract information. When the communication unit 130 receives that the contract processing unit 120 has the contract information, the drive unit 220 starts to be driven and the insurance contract is started. On the other hand, when the communication unit 130 receives that the contract processing unit 120 does not have the contract information, even if the driver of the vehicle 200 switches the switch, the driving of the driving unit 220 does not start and the insurance contract starts. do not do. In this way, by making the contract processing unit 120 have the contract information as a condition for starting the driving of the driving unit 220, it is possible to prevent the driving unit 220 from driving without an insurance contract and causing an accident of the vehicle 200. be able to.

  In the above description with reference to FIGS. 1 and 2, the contract processing unit 120 is arranged at a location away from the vehicle 200, and the communication unit 130 transmits the mode of the vehicle 200 to the contract processing unit 120. However, the present invention is not limited to this. The vehicle driving insurance apparatus 100 may not include the communication unit 130 and the contract processing unit 120 may be mounted on the vehicle 200.

  FIG. 3 is a schematic diagram of the vehicle driving insurance device 100 of the present embodiment. The vehicle driving insurance device 100 includes a mode recognition unit 110 and a contract processing unit 120. The vehicle driving insurance apparatus 100 of the present embodiment is the same as the vehicle driving insurance apparatus 100 described above with reference to FIG. 1 except that the contract processing unit 120 is mounted on the vehicle 200 without the communication unit 130. The redundant description is omitted for the purpose of avoiding redundancy.

  In the vehicle driving insurance device 100 of the present embodiment, the contract processing unit 120 is mounted on the vehicle 200. The mode recognition unit 110 recognizes the mode of the vehicle 200, and the mode recognition unit 110 transmits the mode of the vehicle 200 to the contract processing unit 120. The contract processing unit 120 starts an insurance contract based on the mode of the vehicle 200 being switched from the stop mode S to the operation mode D. In the vehicle driving insurance device 100 of the present embodiment, an insurance contract is started based on the switching of the vehicle 200 from the stop mode S to the driving mode D. Therefore, insurance corresponding to a substantial risk generated by driving the vehicle 200 is provided. it can.

  Even when the contract processing unit 120 is mounted on the vehicle 200, the contract processing unit 120 preferably has a communication device for communicating with a server arranged outside the vehicle 200. For example, the contract processing unit 120 may transmit the status of the insurance contract to an external server each time the insurance contract is started and / or terminated. In this case, even if the contract processing unit 120 is damaged due to an accident of the vehicle 200, the insurance contract made by the contract processing unit 120 can be securely stored.

  In the above description with reference to FIG. 1 to FIG. 3, the contract processing unit 120 is disposed at a location away from the vehicle 200 or mounted on the vehicle 200. It is not limited. A part of the contract processing unit 120 may be mounted on the vehicle 200 and the other part may be arranged at a location away from the vehicle 200.

  FIG. 4 is a schematic diagram of the vehicle driving insurance apparatus 100 of the present embodiment. The vehicle driving insurance device 100 includes a mode recognition unit 110 and a contract processing unit 120. The vehicle driving insurance device 100 of the present embodiment is the same as the vehicle driving insurance device 100 described above with reference to FIG. 1 except that the contract processing unit 120 is separated and arranged without the communication unit 130. The redundant description is omitted for the purpose of avoiding redundancy.

  In the vehicle driving insurance apparatus 100 of the present embodiment, the mode recognition unit 110 recognizes the mode of the vehicle 200. The contract processing unit 120 starts an insurance contract based on the mode of the vehicle 200 recognized by the mode recognition unit 110.

  The contract processing unit 120 includes a contract unit 120S and a settlement unit 120T. Here, the contract unit 120S is mounted on the vehicle 200, and the settlement unit 120T is arranged at a location away from the vehicle 200.

  Contract unit 120S starts an insurance contract based on the mode of vehicle 200 recognized by mode recognition unit 110. The settlement unit 120T settles the insurance premium based on the contents of the insurance contract made by the contract unit 120S.

  The contract unit 120S includes a non-transitory computer-readable recording medium. Non-transitory computer-readable recording media are, for example, static RAM, EEPROM, EPROM, PROM, ROM, magnetic memory, flash memory, magnetic disk, and optical disk.

  The contract unit 120S records the insurance contract status. For example, the contract unit 120S records temporal changes in the mode of the vehicle 200 as the insurance contract status. When the driving unit 220 starts driving and the mode of the vehicle 200 is switched from the stop mode S to the driving mode D, the contracting unit 120S records the time when the driving of the driving unit 220 is started as the time when the insurance contract is started. Further, when the drive unit 220 stops driving and the mode of the vehicle 200 is switched from the operation mode D to the stop mode S, the contract unit 120S records the time when the drive of the drive unit 220 is stopped as the time when the insurance contract ends. .

  The settlement unit 120T settles the insurance premium of the insurance contract based on the time change of the mode of the vehicle 200 recorded in the contract unit 120S. The settlement unit 120T reads the time change of the mode of the vehicle 200 from the contract unit 120S and settles the insurance premium. The contracting unit 120S may be taken out from the vehicle 200 and brought into the settlement unit 120T. Alternatively, the contract unit 120S may periodically communicate the time change of the mode of the vehicle 200 to the settlement unit 120T by communication.

  The settlement unit 120T preferably has, as the contract information, information on the insurance contractor, driver and / or contract object, information on the compensation items and the compensation amount, and information on the payer of the insurance premium. In addition, although contract part 120S itself may have contract information, contract part 120S does not need to have contract information. Even in this case, the contract unit 120S preferably records information indicating that the settlement unit 120T has contract information.

  When the settlement unit 120T has not recorded the contract information, the contract unit 120S starts an insurance contract after the driver of the vehicle 200 and / or the passenger inputs the contract information from the input unit 242. Even in this case, the contract information is preferably recorded in the settlement unit 120T by being communicated to the settlement unit 120T without being recorded in the contract unit 120S.

  In the vehicle driving insurance device 100 of the present embodiment, the mode recognition unit 110 recognizes the mode of the vehicle 200, and the contract unit 120 </ b> S changes the mode of the vehicle 200 recognized by the mode recognition unit 110 from the stop mode S to the driving mode D. Start an insurance contract based on the switch. For this reason, the insurance according to the substantial risk which arises by the driving | operation of the vehicle 200 can be provided.

  In the above description, the mode recognition unit 110 recognizes the mode of the vehicle 200 according to the switch for switching the drive of the drive unit 220 or the drive of the drive unit 220, but the present invention is not limited to this. The mode recognition unit 110 may recognize the mode of the vehicle 200 using the global positioning system receiver 246.

  The mode recognition unit 110 detects the measurement result of the global positioning system receiver 246. Note that the mode recognition unit 110 is preferably linked to a display unit 244 that displays the measurement results of the global positioning system receiver 246.

  When the position of the vehicle 200 measured by the global positioning system receiver 246 is a place other than the vicinity of the traffic signal on the road and the position of the vehicle 200 does not move for a predetermined time, the mode recognition unit 110 determines that the mode of the vehicle 200 is The stop mode S is recognized. For example, when the position of the vehicle 200 measured by the global positioning system receiver 246 is a parking lot and the vehicle 200 does not move for 5 minutes, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is the stop mode S. To do.

  Thereafter, when the movement of the position of the vehicle 200 measured by the global positioning system receiver 246 starts, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. Further, when the vehicle 200 in the driving mode D stops at a place other than the vicinity of the traffic signal on the road and the position of the vehicle 200 does not move for a predetermined time, the mode recognition unit 110 stops the mode of the vehicle 200 from the driving mode D. It is recognized that the mode is switched to S. As described above, the mode recognition unit 110 may recognize the mode of the vehicle 200 from the change in the position of the vehicle 200.

  In the above description with reference to FIGS. 1 to 4, the vehicle 200 has a power source, but the present invention is not limited to this. The vehicle 200 may not have a power source.

  FIG. 5 is a schematic diagram of the vehicle driving insurance apparatus 100A of the present embodiment. The vehicle driving insurance apparatus 100 </ b> A includes a mode recognition unit 110, a contract processing unit 120, and a communication unit 130. Here, the vehicle 200 is a bicycle. The vehicle driving insurance device 100A has the same configuration as the vehicle driving insurance device 100 described above with reference to FIG. 1 except that the vehicle 200 is a bicycle, and redundant descriptions are omitted for the purpose of avoiding redundancy. To do.

  Here, mode recognition unit 110 and communication unit 130 are mounted on vehicle 200. Further, the contract processing unit 120 is disposed at a location away from the vehicle 200. The communication unit 130 can communicate with the contract processing unit 120 via the communication network N.

  The vehicle 200 includes a frame 260, a saddle 262, a handle 272, a pedal 274, and wheels 280. The frame 260 supports the handle 272, the saddle 262, the pedal 274, and the wheels 280.

  The vehicle 200 further includes a lock 264. The lock 264 can be locked to suppress the rotation of the wheel 280. For example, the lock 264 is a ring lock attached to the frame 260. Typically, the lock 264 is provided with a keyhole. The lock of the lock 264 is released by the key. The key has a unique shape, and the keyhole of the lock 264 has a shape corresponding to the key.

  For example, the mode recognition unit 110 and the communication unit 130 are attached to the lock 264. The mode recognition unit 110 is interlocked with the lock 264, and mechanically detects the lock of the lock 264. The mode recognition unit 110 can automatically recognize the mode of the vehicle 200 as the lock 264 is locked / released.

  The communication unit 130 transmits the mode of the vehicle 200 recognized by the mode recognition unit 110 to the contract processing unit 120. Contract processing unit 120 receives the mode of vehicle 200 via communication unit 130.

  When the key is inserted into the keyhole of the lock 264, the lock of the lock 264 is released and the wheel 280 can be rotated. In this case, the vehicle 200 changes from the stop state to the operable state, and the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. In the driving mode D, the vehicle 200 may be moved by the driver's operation or may not be moved by the driver's operation. In this case, the communication unit 130 transmits to the contract processing unit 120 that the vehicle 200 is switched from the stop mode S to the operation mode D. The contract processing unit 120 starts an insurance contract based on the mode of the vehicle 200 being switched from the stop mode S to the operation mode D.

  The vehicle driving insurance apparatus 100A according to the present embodiment starts an insurance contract when the driver of the vehicle 200 releases the lock of the lock 264 immediately before starting the driving of the vehicle 200. For this reason, the insurance contract can be started during the period when the driver of the vehicle 200 starts to use the vehicle 200, and it is possible to prepare for a substantial risk that occurs in the driving of the vehicle 200.

  On the other hand, if the driver of the vehicle 200 removes the key from the lock 264 immediately after finishing the driving of the vehicle 200, the lock 264 is locked and the rotation of the wheel 280 is obstructed. In this case, the vehicle 200 is changed from the drivable state to the stop state, and the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S. In this case, the communication unit 130 transmits to the contract processing unit 120 that the vehicle 200 is switched from the operation mode D to the stop mode S.

  In this case, the contract processing unit 120 ends the insurance contract when the mode of the vehicle 200 is switched from the operation mode D to the stop mode S. For this reason, since the insurance contract is terminated when the vehicle 200 is not used, the insurance contract is terminated. Therefore, it is not necessary to continuously use the insurance contract during the non-use period of the vehicle 200, and according to the risk of driving the vehicle 200. There can be no unnecessary insurance premiums.

  A popular product mounted on the vehicle 200 may be used as the lock 264, and the mode recognition unit 110 that recognizes the lock and release of the lock 264 and the communication unit 130 that transmits the mode of the vehicle 200 may be attached to the lock 264. . Alternatively, a dedicated item used exclusively for the vehicle driving insurance device 100 may be used as the lock 264, and the lock 264, the mode recognition unit 110, and the communication unit 130 may be integrated.

  Note that an electronic device owned by the driver of the vehicle 200 may be used as the communication unit 130. The electronic device is, for example, a mobile phone or a smartphone. For example, the electronic device is attached to the vehicle 200 so as to be electrically connected to the mode recognition unit 110 of the vehicle 200. For example, the communication unit 130 is implemented as an application of an electronic device. Alternatively, the communication unit 130 may not be attached to the vehicle 200, and the contract processing unit 120 located away from the vehicle 200 based on the short-range communication from the mode recognition unit 110 while being held by the driver of the vehicle 200. May be transmitted.

  Note that the driver of the vehicle 200 may be different from the owner of the vehicle 200. When the owner of the vehicle 200 charges the driver of the vehicle 200 for the usage fee of the vehicle 200, the owner of the vehicle 200 may charge the usage fee of the vehicle 200 using the contract processing unit 120.

  In the description given above with reference to FIG. 5, the lock of the lock 264 is released by inserting a key, but the present invention is not limited to this. For example, when the driver of the vehicle 200 inserts a key into the lock 264 to start driving the vehicle 200, the lock of the lock 264 is released on the condition that the contract processing unit 120 has the contract information. Also good.

  For example, the lock 264 can be electronically switched, and the communication unit 130 is interlocked with the lock 264. When the driver of the vehicle 200 inserts a key into the lock 264 to start driving, the communication unit 130 inquires whether the contract processing unit 120 has contract information. When the communication unit 130 receives that the contract processing unit 120 has the contract information, the lock 264 is unlocked and the insurance contract is started. On the other hand, when the communication unit 130 receives that the contract processing unit 120 does not have the contract information, even if the key is inserted into the lock 264, the lock of the lock 264 is not released and the insurance contract is not started. Thus, by making the contract processing unit 120 have the contract information as a condition for unlocking the lock 264, it is possible to prevent the lock 264 from being unlocked without an insurance contract and causing an accident of the vehicle 200. Can do.

  In the above description with reference to FIGS. 1 to 5, the mode recognizing unit 110 recognizes that the vehicle 200 is in the stop mode S when the vehicle 200 is in a non-movable state, and operates when the vehicle 200 is in a movable state. Although recognized as mode D, the present invention is not limited to this. The mode recognizing unit 110 recognizes that the vehicle 200 is in the stop mode S when the vehicle 200 is in the stopped state within the designated region, and recognizes that the vehicle 200 is in the driving mode D when the vehicle 200 is in a driveable state outside the designated region. May be.

  FIG. 6 is a schematic diagram of the vehicle driving insurance apparatus 100A of the present embodiment. The vehicle driving insurance apparatus 100 </ b> A includes a mode recognition unit 110, a contract processing unit 120, and a communication unit 130. The vehicle driving insurance apparatus 100 </ b> A except that the mode recognition unit 110 and the communication unit 130 are not attached to the vehicle 200 and the mode of the vehicle 200 is switched depending on whether or not the vehicle 200 is in the storage facility. 5 has the same configuration as that of the vehicle driving insurance device 100 described above with reference to FIG. 5, and redundant description is omitted for the purpose of avoiding redundancy.

  In the vehicle driving insurance apparatus 100A of the present embodiment, the storage facility 300 stores the vehicle 200. The mode recognition unit 110 and the communication unit 130 are provided in the storage facility 300. On the other hand, the contract processing unit 120 is provided at a position away from the storage facility 300.

  When the vehicle 200 is stored in the storage facility 300, the vehicle 200 is not used and is in a stopped state. As will be described later, the mode recognition unit 110 recognizes that the vehicle 200 is in the stop mode S when the vehicle 200 is stored in the storage facility 300. On the other hand, when the vehicle 200 moves out of the storage facility 300, the vehicle is ready for driving. As will be described later, the mode recognition unit 110 recognizes that the vehicle 200 is in the operation mode D when the vehicle 200 is moving out of the storage facility 300.

  Here, in the stop mode S, the vehicle 200 can move within the storage facility 300 but cannot move outside the storage facility 300. On the other hand, in the operation mode D, the vehicle 200 can move out of the storage facility 300.

  The storage facility 300 includes a wall 310, an entry gate 320, and an entry gate 330. The wall 310 defines an internal space by defining a boundary with the outside of the storage facility 300. The wall 310 is provided with an opening at least partially. The entrance gate 320 and the entrance gate 330 are provided in the opening of the wall 310.

  A transmitter 112 that transmits a signal is attached to the vehicle 200. For example, the transmitter 112 is attached to the spokes of the vehicle 200. The mode recognition unit 110 and the communication unit 130 are provided at the entrance gate 320 and the entrance gate 330, respectively. Here, mode recognition unit 110 includes a reader that reads a signal transmitted from transmitter 112 of vehicle 200. For example, communication between the transmitter 112 and the reader is performed using an RFID (Radio Frequency identifier). The mode recognition unit 110 recognizes the vehicle 200 when the vehicle 200 passes through the entry gate 320 and the entrance gate 330.

  When the driver of the vehicle 200 leaves the storage facility 300 through the entry gate 320, the signal from the transmitter 112 of the vehicle 200 is read by the leader of the entry gate 320. In this case, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. Thereafter, the communication unit 130 transmits to the contract processing unit 120 that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. The contract processing unit 120 starts an insurance contract based on the mode of the vehicle 200 being switched from the stop mode S to the operation mode D.

  On the other hand, when the driver of the vehicle 200 takes the entrance gate 330 and returns to the storage facility 300 from the outside, the signal of the transmitter 112 of the vehicle 200 is read by the reader of the entrance gate 330. In this case, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S. Thereafter, the communication unit 130 transmits to the contract processing unit 120 that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S. The contract processing unit 120 ends the insurance contract based on the mode of the vehicle 200 being switched from the operation mode D to the stop mode S.

  Note that the storage facility 300 is preferably provided with an input device 340. The input device 340 communicates with the contract processing unit 120 via a communication network. The driver of the vehicle 200 can input the contract information from the input device 340 before starting the driving of the vehicle 200. For example, before starting the driving of the vehicle 200, the driver of the vehicle 200 contracts information on the vehicle 200 scheduled to be used among a plurality of vehicles 200 stored in the storage facility 300 and information on the driver. Can be entered as

  Note that the device for inputting the contract information is not limited to the input device 340 of the storage facility 300, and a mobile communication device possessed by the driver of the vehicle 200 may be used. For example, the mobile communication device includes a mobile phone or a smartphone.

In the vehicle driving insurance apparatus 100A of the present embodiment, for example, when the vehicle 200 moves outside the storage facility 300 through the entry gate 320, the contract processing unit 120 starts an insurance contract.
As described above, when the vehicle 200 is switched from the stop mode S in the stopped state to the operation mode D in the operable state, the insurance contract is started, so that it is possible to prepare for a substantial risk generated in the driving of the vehicle 200.

  Note that the communication unit 130 preferably transmits the mode of the vehicle 200 to the contract processing unit 120 regardless of whether the contract processing unit 120 has the contract information in advance. After the vehicle 200 has moved out of the storage facility 300, if the driver of the vehicle 200 wishes to contract insurance according to the contract information, the driver of the vehicle 200 inputs the contract information using the mobile communication device. Then, it may be transmitted to the contract processing unit 120. Since the contract processing unit 120 has transmitted in advance that the vehicle 200 is in the operation mode D, if the contract information is transmitted, the contract processing unit 120 can start an insurance contract.

  In the above description with reference to FIG. 6, the storage facility 300 stores a bicycle as the vehicle 200, and the mode of the vehicle 200 is switched depending on whether the bicycle is inside or outside the storage facility 300. However, the present invention is not limited to this. The vehicle 200 is an automobile, and the storage facility 300 is a so-called parking lot. It goes without saying that the mode of the vehicle 200 may be switched depending on whether the automobile is inside or outside the parking lot.

  In the above description with reference to FIG. 5 and FIG. 6, the mode of the vehicle 200 is switched in response to the lock 264 being locked / released or the vehicle 200 passing through the entry gate 320 and the entrance gate 330. However, the present invention is not limited to this. The mode of the vehicle 200 may be switched using a global positioning system receiver.

  FIG. 7 is a schematic diagram of the vehicle driving insurance apparatus 100A of the present embodiment. The vehicle driving insurance apparatus 100A includes a mode recognition unit 110 and a contract processing unit 120. The vehicle driving insurance apparatus 100A has the same configuration as that of FIG. 5 except that the mode recognition unit 110 includes a global positioning system receiver, the communication unit 130 is not included, and the contract processing unit 120 is separated. It has the same configuration as the vehicle driving insurance device 100 described above with reference to it, and redundant description is omitted for the purpose of avoiding redundancy.

  The mode recognition unit 110 is mounted on the vehicle 200. The mode recognition unit 110 includes a global positioning system receiver. For example, the mode recognition unit 110 recognizes the mode of the vehicle 200 based on the reception result of the global positioning system receiver.

  When the position of the vehicle 200 measured by the global positioning system receiver does not move for a predetermined time, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is the stop mode S. For example, when the position of the vehicle 200 measured by the global positioning system receiver does not move for 5 minutes, the mode recognition unit 110 recognizes that the mode of the vehicle 200 is the stop mode S. Thereafter, when the movement of the position of the vehicle 200 measured by the global positioning system receiver starts, the mode recognition unit 110 recognizes that the mode of the vehicle 200 has been switched from the stop mode S to the operation mode D.

  Further, after the mode of the vehicle 200 is the driving mode D, if the position of the vehicle 200 measured by the global positioning system receiver does not move for a predetermined time, the mode recognition unit 110 determines that the mode of the vehicle 200 is the driving mode. It is recognized that the mode has been switched from D to the stop mode S. As described above, the mode recognition unit 110 recognizes the mode of the vehicle 200 from the measurement result of the global positioning system receiver.

  The contract processing unit 120 starts an insurance contract based on the mode of the vehicle 200 recognized by the mode recognition unit 110. In the vehicle driving insurance apparatus 100 of the present embodiment, the contract processing unit 120 includes a contract unit 120S and a settlement unit 120T.

  The contract unit 120S records the insurance contract status. For example, the contract unit 120S records temporal changes in the mode of the vehicle 200 as the insurance contract status. When the change of the position of the vehicle 200 is measured and the mode of the vehicle 200 is switched from the stop mode S to the operation mode D, the contract unit 120S sets the time when the change of the position of the vehicle 200 starts as the time when the insurance contract is started. Record. Further, when it is measured that the position of the vehicle 200 has not changed and the mode of the vehicle 200 is switched from the operation mode D to the stop mode S, the contract unit 120S changes the position of the vehicle 200 as the time to end the insurance contract. Record the time when it disappeared.

  The settlement unit 120T settles the insurance premium of the insurance contract based on the time change of the mode of the vehicle 200 recorded in the contract unit 120S. The settlement unit 120T preferably has, as the contract information, information on the policyholder, driver and / or contract object, information on the compensation items and the compensation amount, and information on the payer of the insurance premium. . The contract unit 120S may have contract information, or the contract unit 120S itself may not have contract information.

  For example, when the settlement unit 120T has contract information, the settlement unit 120T then settles the insurance premium based on the insurance contract status of the contract unit 120S. For example, the contract unit 120S mounted on the vehicle 200 may transmit the insurance contract status to the settlement unit 120T. Alternatively, the rider or owner of the vehicle 200 may bring the contract unit 120S mounted on the vehicle 200 into the settlement unit 120T, and the settlement unit 120T may read the insurance contract status from the contract unit 120S.

  In the above description with reference to FIGS. 5 to 7, the mode recognition unit 110 automatically recognizes the mode of the vehicle 200 without requiring a special operation by the driver of the vehicle 200. It is not limited to this. The mode recognition unit 110 may recognize the mode of the vehicle 200 according to the operation of the driver of the vehicle 200.

  FIG. 8 is a schematic diagram of the vehicle driving insurance apparatus 100A of the present embodiment. The vehicle driving insurance apparatus 100 </ b> A includes a mode recognition unit 110, a contract processing unit 120, and a communication unit 130. The vehicle driving insurance device 100A has the same configuration as the vehicle driving insurance device 100 described above with reference to FIG. 5 except that the mode recognition unit 110 and the communication unit 130 are not attached to the vehicle 200. Duplicate descriptions are omitted for the purpose of avoiding redundancy.

  In the vehicle driving insurance apparatus 100A of the present embodiment, the mode recognition unit 110 and the communication unit 130 use mobile communication devices owned by the driver of the vehicle 200. For example, the mobile communication device includes a mobile phone or a smartphone.

  Here, an operation start mark 120 </ b> A is affixed to the frame 260 of the vehicle 200. For example, the driving start mark 120 </ b> A is a seal showing identification information given to the vehicle 200. The driving start mark 120A may be code information. For example, the operation start mark 120A includes a one-dimensional code such as a barcode or a matrix type two-dimensional code.

  As the mode recognition unit 110, for example, a reader mounted on the mobile communication device of the driver of the vehicle 200 can be used. The reader is implemented as an application of a mobile communication device, for example. The driver of the vehicle 200 reads the driving start mark 120A using a reader before starting the driving of the vehicle 200.

  As the communication unit 130, for example, a mobile communication device owned by the driver of the vehicle 200 can be used. The communication unit 130 can communicate with the contract processing unit 120. In the vehicle driving insurance apparatus 100A of the present embodiment, it is preferable that the mode recognition unit 110 and the communication unit 130 are integrated by one communication device.

  Immediately before the driver of the vehicle 200 starts driving the vehicle 200, the driver reads the driving start mark 120A with the mode recognition unit 110. In this case, the mode recognition unit 110 recognizes that the vehicle 200 is in a drivable state and the mode of the vehicle 200 is switched from the stop mode S to the driving mode D.

  The communication unit 130 transmits to the contract processing unit 120 that the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. In this case, the contract processing unit 120 starts an insurance contract when the mode of the vehicle 200 is switched from the stop mode S to the operation mode D. Thus, when the vehicle 200 is switched to the driving mode D in which the vehicle 200 can be driven without starting the insurance contract in the stop mode S in which the vehicle 200 is in the stopped state, the driving of the vehicle 200 is started by starting the insurance contract. Can be prepared for substantive risks arising in

  The frame 260 may be provided with a stop mark 120B in addition to the operation start mark 120A. For example, the stop mark 120 </ b> B is a sticker with identification information uniquely given to the vehicle 200. The stop mark 120B may be code information. For example, the stop mark 120B includes a one-dimensional code such as a barcode or a matrix type two-dimensional code.

  Immediately after the driver of the vehicle 200 finishes driving the vehicle 200, the driver reads the stop mark 120B with the mode recognition unit 110. In this case, the mode recognition unit 110 recognizes that the vehicle 200 is in a stopped state and the mode of the vehicle 200 is switched from the operation mode D to the stop mode S.

  The communication unit 130 transmits to the contract processing unit 120 that the mode of the vehicle 200 is switched from the operation mode D to the stop mode S. In this case, the contract processing unit 120 ends the insurance contract when the mode of the vehicle 200 is switched from the operation mode D to the stop mode S. Thus, by terminating the insurance contract based on the vehicle 200 switching from the operation mode D to the stop mode S, it is possible to avoid paying unnecessary insurance premiums that do not depend on the risk during the period when the vehicle 200 is not used. it can.

  In the vehicle driving insurance apparatus 100A of the present embodiment, the driver of the vehicle 200 switches the mode of the vehicle 200 by reading the driving start mark 120A with the mobile communication device that the vehicle 200 owns. For this reason, when the driver starts driving the vehicle 200, the driver may forget to read the driving start mark 120A. For this reason, it is preferable to attach a global positioning system receiver and a warning device to the vehicle 200.

  In this case, if the position of the vehicle 200 measured by the global positioning system receiver moves in a state where the driver has not read the driving start mark 120A of the vehicle 200, the warning device displays the driving start mark 120A to the driver. Warn to read. Thereby, it can suppress that a driver forgets to read driving start mark 120A.

  In the above description with reference to FIGS. 1 to 8, the vehicle 200 is a four-wheeled vehicle or a bicycle, but the present invention is not limited to this. The vehicle 200 may be a two-wheeled vehicle (typically a motorcycle, a motorcycle, a scooter), a three-wheeled vehicle, or a five-wheeled or larger vehicle. Alternatively, the vehicle 200 is used for industrial machines (for example, forklifts), construction machines (for example, excavators, crane trucks, road rollers, excavators), agricultural machines (for example, tillers, tractors, combines, rice transplanters), for snow It may be a vehicle (for example, snow vehicle, snowmobile, snow bike) or an amphibious vehicle (for example, hovercraft).

  Alternatively, the vehicle 200 may be movable only along a specific route. For example, the vehicle 200 may be a railway vehicle, a tram (including LRT), a cable car, a trolley bus, a dual mode vehicle, a linear motor car, a ropeway, a gondola, a lift, and the like.

  Further, the vehicle 200 is not limited to one that can move on the ground, and may be one that can move on the water. For example, the vehicle 200 may be a ship, a boat (including a kite, raft, rafting, canoe, kayak (including sea kayak) ducky), a pedal cycle boat, a yacht; a surf jet, a water bike, an underwater bike, a submarine, etc. Good.

  The vehicle 200 may be capable of flying. For example, the vehicle 200 includes a glider (paraglider, hang glider, etc.), a balloon (hot air balloon, an airship, etc.), an airplane (passenger aircraft, a cargo plane, etc.), a vertical take-off and landing aircraft (including a tilt rotor, an osprey, etc.), a helicopter, an auto gyro. Or a drone.

  The embodiment of the present invention has been described above with reference to the drawings (FIGS. 1 to 8). However, the present invention is not limited to the above-described embodiment, and can be implemented in various modes without departing from the gist thereof. The plurality of constituent elements disclosed in the above embodiment can be modified as appropriate. For example, a component of all components shown in one embodiment may be added to a component of another embodiment, or all components shown in one embodiment may be implemented. It may be deleted from the form.

  In addition, the drawings schematically show each component mainly for easy understanding of the invention, and the thickness, length, number, interval, etc. of each component shown in the drawings are drawn up. It may be different from the actual for convenience. Further, the configuration of each component shown in the above embodiment is an example, and is not particularly limited, and it goes without saying that various modifications can be made without departing from the effect of the present invention. .

  The present invention is preferably used for insurance contracts related to vehicles.

DESCRIPTION OF SYMBOLS 100 Vehicle driving insurance device 110 Mode recognition part 120 Contract processing part 130 Communication part 200 Vehicle

Claims (6)

A mode recognition unit for recognizing a mode of the vehicle that can be switched between a stop mode in which the vehicle is stopped and an operation mode in which the vehicle is operable;
A vehicle driving insurance device comprising: a contract processing unit that starts an insurance contract based on the vehicle mode recognized by the mode recognizing unit being switched from the stop mode to the driving mode.   The vehicle operation insurance device according to claim 1, wherein the contract processing unit receives contract information and starts the insurance contract according to the contract information.   3. The vehicle driving insurance according to claim 1, wherein the contract processing unit terminates the insurance contract when the mode of the vehicle recognized by the mode recognition unit is switched from the driving mode to the stop mode. apparatus. The mode recognition unit is attached to the vehicle,
The vehicle operation insurance device according to any one of claims 1 to 3, wherein the contract processing unit is arranged at a position away from the vehicle.   The vehicle driving insurance device according to any one of claims 1 to 4, wherein the contract processing unit determines an insurance premium based on a period of the driving mode. Receiving the mode of the vehicle switchable between a stop mode in which the vehicle is in a stopped state and an operation mode in which the vehicle is in a drivable state;
A vehicle driving insurance program for causing a computer to execute a step of starting an insurance contract based on the vehicle mode being switched from the stop mode to the driving mode.

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