KR102312984B1 - Apparatus and method for providing driver insurance product based on driving information - Google Patents

Abstract

Disclosed are an apparatus and method for providing a driver's insurance product based on driving information, and the method for providing a driver's insurance product based on driving information according to an embodiment of the present application provides driving information from at least one of a user terminal, a vehicle-mounted terminal, and a traffic information providing terminal. , calculating a driving form index corresponding to the driving information based on the collected driving information through a previously generated driving analysis algorithm, transmitting the calculated driving type index to an insurance company management server; receiving, from the insurance company management server, at least one of a premium change request or a reward provision request based on the driving type index; It may include providing to at least one of the terminal or the vehicle-mounted terminal.

Description

Apparatus and method for providing driver's insurance products based on driving information

The present application relates to an apparatus and method for providing a driver's insurance product based on driving information.

In the related art, insurance premiums for driver's insurance or auto insurance are generally calculated based on traditional indicators such as a driver's driving history, accident history, and vehicle value. However, there is a limit in that it is difficult to accurately grasp the unique driving habits of each driver and the risk factors inherent in these driving habits from a simple accident history.

Therefore, there is a demand to use the information obtained through various routes according to the driving of the vehicle as a basis for calculating insurance premiums by refining the information obtained through various routes in a more advanced way and objectifying the potential risk factors inherent in the driver's driving habits. However, there is still no technical means for auto insurance companies to identify risk factors objectively indexed from drivers' actual driving habits.

In addition, in recent years, electronic devices that can obtain vehicle driving information, such as a navigation terminal that guides the way to a destination based on the current location, and a black box terminal that records the vehicle's front and rear driving data, are installed inside the vehicle. In general, location information related to vehicle driving may be obtained from a user terminal such as a smart phone equipped with a GPS function. However, insurance-related services related to driving information, such as using the driving information obtained from the aforementioned terminal or device as an index for calculating insurance premiums in connection with the driver's insurance or automobile insurance subscribed by the driver of the vehicle, have not been specifically disclosed.

In addition, the auto insurance or driver insurance subscription procedure is a separate procedure independent of the subscriber's vehicle, such as subscription through a phone call or subscription through an application installed on a smartphone, even if the applicant directly visits the insurance company or proceeds non-face-to-face. There has been no disclosure of an insurance service that is performed only through a device and is simply subscribed in connection with a terminal provided in a vehicle.

The background technology of the present application is disclosed in Korean Patent Publication No. 10-1759341.

The present application is to solve the problems of the prior art described above, and obtains driving information that can determine the driving habit of the driver or the possibility of an accident risk from various terminals or devices such as a user terminal, a vehicle-mounted terminal, and a traffic information providing terminal, A device for providing driver insurance products based on driving information that can adjust insurance premiums for pre-registered driver insurance or auto insurance through analysis of the acquired driving information, or provide additional benefits to insurance subscribers who show good driving habits as a result of the analysis; It is intended to provide a method.

The present application is intended to solve the problems of the prior art described above, and a driver who can purchase or subscribe a driver's insurance product through a user terminal such as a mobile phone or a vehicle-mounted terminal such as a black box terminal or a navigation terminal simply non-face-to-face. The purpose is to provide an apparatus and method for providing insurance products

However, the technical problems to be achieved by the embodiments of the present application are not limited to the technical problems as described above, and other technical problems may exist.

As a technical means for achieving the above technical problem, the method for providing a driver's insurance product based on driving information according to an embodiment of the present application includes collecting driving information from at least one of a user terminal, a vehicle-mounted terminal, or a traffic information providing terminal. Step, calculating a driving form index corresponding to the driving information based on the collected driving information through a pre-generated driving analysis algorithm, transmitting the calculated driving type index to an insurance company management server, managing the insurance company receiving, from a server, at least one of a request for premium change or a request for providing a reward based on the driving type index; It may include providing to at least one of the in-vehicle terminals.

In addition, the method of providing a driver's insurance product based on driving information according to an embodiment of the present application includes at least one of a driving record self-diagnostic device (On-Board Diagnostics, OBD) or an Urban Traffic Information System (UTIS). It may include receiving the stored driving data and verifying the driving information based on the driving data.

Also, the verifying of the driving information may include determining whether the driving data matches the collected driving information.

In addition, the in-vehicle terminal may include a navigation module, a high-pass module, or a connected car mobility service module.

In addition, the driving information may include at least one of driving distance information, driving speed information, signal violation history information, main driving time period information, acceleration/deceleration history information, and main driving section information.

In addition, the calculating of the driving type index may include calculating the driving type index in consideration of the accident occurrence probability of a driver corresponding to the driving information by using the driving information as an input of the previously generated driving analysis algorithm. .

In addition, the pre-generated driving analysis algorithm may be generated based on a machine learning-based artificial intelligence model, and may be characterized in that different weights are set for each type of the driving information.

In addition, the weight of each type of the service information may be set such that a weight for the main service time period information and the main service section information is higher than a weight for the remaining service information.

In addition, the method of providing a driver's insurance product based on driving information according to an embodiment of the present application includes receiving a user input including information on subscription of a driver's insurance product, and transmitting the subscription information of the driver's insurance product to the insurance company management server The method may include: receiving a driver insurance subscription processing result from the insurance company management server; and providing the received driver insurance subscription processing result to a subscriber.

In addition, the receiving of the user input including the subscription information may include receiving the user input from the user terminal or the vehicle-mounted terminal.

In addition, the step of providing the driver insurance subscription processing result to the subscriber may include transmitting the driver insurance subscription processing result to the user terminal or the vehicle-mounted terminal.

On the other hand, the method of providing a driver's insurance product based on driving information according to an embodiment of the present application includes receiving a user input including subscription information of a driver's insurance product from a user terminal or a vehicle-mounted terminal, and based on the user input, the driver processing insurance product subscription and transmitting a driver insurance subscription processing result to the user terminal or the vehicle-mounted terminal, collecting driving information from at least one of the user terminal, the vehicle-mounted terminal, or a traffic information providing terminal , Receiving the driving data stored in at least one of an On-Board Diagnostics (OBD) or an Urban Traffic Information System (UTIS), the collected driving information based on the driving data verifying, calculating a driving type index corresponding to the driving information based on the verified driving information through a previously generated driving analysis algorithm, determining insurance premium change information or reward information based on the driving type index and providing the insurance premium change information or the reward information to at least one of the user terminal and the vehicle-mounted terminal.

Meanwhile, the apparatus for providing driver's insurance products based on driving information according to an embodiment of the present application includes a driving information collection unit that collects driving information from at least one of a user terminal, a vehicle-mounted terminal, and a traffic information providing terminal, and a driving record self-diagnosis device (On-Board Diagnostics, OBD) or an urban traffic information system (Urban Traffic Information System, UTIS) receiving the driving data stored in at least one, based on the driving data to verify the driving information verification unit, An index calculator that calculates a driving form index corresponding to the driving information based on the verified driving information through the generated driving analysis algorithm and transmits the calculated driving type index to the insurance company management server, and the insurance company management server and a request processing unit for receiving at least one of a request for a change of insurance premium or a request for providing a reward based on the driving type index from .

Also, the driving information verification unit may determine whether the driving data and the collected driving information match.

In addition, the vehicle-mounted terminal includes a navigation module, a high-pass module, or a connected car service module, and the driving information includes driving distance information, driving speed information, signal violation history information, main driving time period information, and acceleration/deceleration history. It may include at least one of information or main operation section information.

In addition, the index calculator may calculate the driving type index in consideration of a probability of occurrence of an accident of a driver corresponding to the driving information by using the driving information as an input of the previously generated driving analysis algorithm.

In addition, the pre-generated driving analysis algorithm may be generated based on a machine learning-based artificial intelligence model, and may set different weights for each type of the driving information.

Also, the index calculator may set a weight for the main service time period information and the main service section information to be higher than a weight for the remaining service information.

In addition, the apparatus for providing a driver's insurance product based on driving information according to an embodiment of the present application receives a user input including information on subscription of a driver's insurance product from the user terminal or the vehicle-mounted terminal, and subscribes the driver's insurance product and a subscription intermediary unit that transmits information to an insurance company management server, receives a driver insurance subscription processing result from the insurance company management server, and provides the information to the user terminal or the vehicle-mounted terminal.

On the other hand, the apparatus for providing driver's insurance products based on driving information according to an embodiment of the present application receives a user input including information on subscription of driver's insurance products from a user terminal or a vehicle-mounted terminal, and processes subscription for driver's insurance products, A subscription processing unit that transmits a driver insurance subscription processing result to the user terminal or the vehicle-mounted terminal, a driving information collection unit that collects driving information from at least one of the user terminal, the vehicle-mounted terminal, or a traffic information providing terminal, and a driving recorder A driving information verification unit that receives driving data stored in at least one of an On-Board Diagnostics (OBD) or an Urban Traffic Information System (UTIS), and verifies the driving information based on the driving data , an index calculator that calculates a driving type index corresponding to the driving information based on the verified driving information through a previously generated driving analysis algorithm, and determines insurance premium change information or reward information based on the calculated driving type index and a benefit providing unit providing the insurance premium change information or the reward information to at least one of the user terminal and the vehicle-mounted terminal.

The above-described problem solving means are merely exemplary, and should not be construed as limiting the present application. In addition to the exemplary embodiments described above, additional embodiments may exist in the drawings and detailed description.

According to the above-described problem solving means of the present application, the driving information that can determine the driving habit of the driver or the possibility of an accident risk is obtained from various terminals or devices such as a user terminal, a vehicle-mounted terminal, and a traffic information providing terminal, and the obtained driving information To provide a device and method for providing driver insurance products based on driving information that can adjust premiums for pre-registered driver insurance or auto insurance through analysis of can

According to the above-described problem solving means of the present application, the driving data acquired through various routes is stored in the driving record self-diagnostic device (On-Board Diagnostics, OBD) or the urban traffic information system (UTIS). By comparative verification based on the basis, a more accurate and realistic driver evaluation can be made.

According to the above-described problem solving means of the present application, it is possible to simply purchase or subscribe for a driver's insurance product non-face-to-face through a user terminal such as a mobile phone or a vehicle-mounted terminal such as a black box terminal or a navigation terminal.

According to the above-described problem solving means of the present application, personal information of a user who subscribes to an insurance product available through a voucher is not acquired, and an insurance product using a voucher that can mediate the subscription and initiation of the insurance product through the insurance company management server A providing apparatus and method may be provided.

According to the problem solving means of the present application described above, after the insurance product available through the voucher is launched, the application of the insurance product can be turned on or off according to the user input, or the temporal or spatial range to which the insurance product is applied can be set. It is possible to calculate reasonable insurance premiums and provide insurance products that are actually necessary to users.

However, the effects obtainable herein are not limited to the above-described effects, and other effects may exist.

1 is a diagram illustrating a configuration of a system for providing a driver's insurance product based on driving information including an apparatus for providing a driver's insurance product based on driving information according to an exemplary embodiment of the present disclosure.
FIG. 2 is a diagram illustrating a configuration of a system for providing a driver's insurance product based on driving information including an apparatus for providing a driver's insurance product based on driving information according to another exemplary embodiment of the present disclosure.
3 is a schematic configuration diagram of an apparatus for providing a driver's insurance product based on driving information according to an exemplary embodiment of the present disclosure.
4 is a schematic configuration diagram of an apparatus for providing a driver's insurance product based on driving information according to another exemplary embodiment of the present disclosure.
5 is an operation flowchart of a method for providing a driver's insurance product based on driving information according to an exemplary embodiment of the present disclosure.
6 is an operation flowchart of a method for providing a driver's insurance product based on driving information according to another exemplary embodiment of the present disclosure.

Hereinafter, embodiments of the present application will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art to which the present application pertains can easily implement them. However, the present application may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present application in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout this specification, when a part is "connected" with another part, it is not only "directly connected" but also "electrically connected" or "indirectly connected" with another element interposed therebetween. "Including cases where

Throughout this specification, when it is said that a member is positioned "on", "on", "on", "under", "under", or "under" another member, this means that a member is positioned on the other member. It includes not only the case where they are in contact, but also the case where another member exists between two members.

Throughout this specification, when a part "includes" a component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

1 is a diagram illustrating a configuration of a system for providing a driver's insurance product based on driving information including an apparatus for providing a driver's insurance product based on driving information according to an exemplary embodiment of the present disclosure.

Referring to FIG. 1 , a system 10 for providing a driver's insurance product based on driving information according to an embodiment of the present application includes an apparatus 100 for providing a driver's insurance product based on driving information according to an embodiment of the present application (hereinafter, ' Driver insurance product providing device 100 '), user terminal 31, vehicle-mounted terminal 32, traffic information providing terminal 33, insurance company management server 200, city traffic information system 300 and The driving record self-diagnosis apparatus 400 may be included.

For example, the driver insurance product providing apparatus 100 may be understood as the same as the driver insurance product providing server that provides an application (driver's insurance product providing application) installed in the user terminal 31 or the vehicle-mounted terminal 32 . have.

According to an embodiment, the insurance company management server 200 may exist as the same server as the driver's insurance product providing apparatus 100 or as a separate server.

Driver insurance product providing device 100 , user terminal 31 , vehicle mounted terminal 32 , traffic information providing terminal 33 , insurance company management server 200 , city traffic information system 300 and driving record self-diagnosis device 400 may be connected to each other through the network 20, and the network 20 refers to a connection structure in which information exchange is possible between each node, such as terminals and servers, in one example of such a network, 3GPP (3rd Generation Partnership Project) network, LTE (Long Term Evolution) network, 5G network, WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network) , WAN (Wide Area Network), PAN (Personal Area Network), wifi network, Bluetooth (Bluetooth) network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, and the like are included, but are not limited thereto.

In addition, according to an embodiment of the present application, the user terminal 31, a smart phone (Smartphone), a smart pad (SmartPad), a tablet PC and the like and PCS (Personal Communication System), GSM (Global System for Mobile communication), PDC ( Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), It may include all kinds of wireless communication devices such as a Wibro (Wireless Broadband Internet) terminal, and wired communication devices such as desktop computers and smart TVs.

In addition, according to an embodiment of the present application, the vehicle-mounted terminal 32 is mounted on a vehicle of a subscriber who has signed up for driver's insurance, such as a black box terminal, a navigation module, a high-pass module, or a connected car mobility service module, and is a driving vehicle. It can be understood as a concept that broadly includes various devices that can collect driving information of the vehicle.

In particular, the connected car mobility service module is mounted inside the vehicle to provide remote start services such as Blue Link and UVO, remote air conditioner control services, etc. for example, and communicates with other vehicles, traffic and communication infrastructure, and pedestrian terminals in real time. It may mean a terminal that helps the driver's convenience and traffic safety.

In addition, according to an embodiment of the present application, the traffic information providing terminal 33 is installed in an area of the driving road, such as Internet of Things (IoT) equipment, speed detectors, toll gate equipment, high-pass terminals, and surveillance cameras to communicate with the vehicle. and can be understood as a concept that broadly includes various devices capable of collecting driving information of an adjacent driving vehicle.

Hereinafter, a process in which the driver insurance product providing apparatus 100 obtains information of a subscriber who intends to subscribe to a driver's insurance product and transmits it to the insurance company management server 200 will be described first. Driver insurance herein may be understood as a concept including automobile insurance.

The driver's insurance product providing apparatus 100 may receive a user input including subscription information for a driver's insurance product. According to an embodiment of the present disclosure, the driver insurance product providing apparatus 100 may receive the user input from the user terminal 31 or the vehicle-mounted terminal 32 .

According to an embodiment of the present application, the driver insurance product providing apparatus 100 transmits an encrypted personalized URL for accessing a page for registering a driver's insurance product to the user terminal 31 or the vehicle-mounted terminal 32, and the When the user terminal 31 or the vehicle-mounted terminal 32 is connected through the personalized URL, a user input including information on subscription of a driver's insurance product may be received from the user terminal 31 or the vehicle-mounted terminal 32 . Illustratively, the user input including the subscription information of the driver's insurance product is performed after the identity authentication procedure of the user terminal 31 or the vehicle-mounted terminal 32 is completed on the page for subscription of the driver's insurance product accessed through the personalized URL. can be entered.

Here, according to an embodiment of the present application, one personalized URL may be matched with one user phone number and one authentication number and stored in the driver insurance product providing apparatus 100 . In this case, the personalized URL is different for each user and may be composed of different information.

Also, according to an exemplary embodiment of the present disclosure, the page for signing up for a driver's insurance product may refer to a non-face-to-face insurance product subscription page.

Also, the driver's insurance product providing apparatus 100 may transmit the received subscription information of the driver's insurance product to the insurance company management server 200 . In this case, the insurance company management server 200 that has received the subscription information of the driver's insurance product may complete the driver's insurance product subscription of the driver (subscriber) corresponding to the corresponding subscription information.

Also, the driver's insurance product providing apparatus 100 may receive the driver's insurance subscription processing result from the insurance company management server 200 .

Also, the driver's insurance product providing apparatus 100 may provide the received driver's insurance subscription processing result to the subscriber. According to an embodiment of the present disclosure, the driver insurance product providing apparatus 100 may transmit the received driver insurance subscription processing result to the user terminal 31 or the vehicle-mounted terminal 32 .

In addition, according to an embodiment of the present application, subscription for a driver's insurance product through the user terminal 31 is referred to as subscription through a platform, and subscription for a driver's insurance product through the vehicle-mounted terminal 32 is different from subscription through a vehicle device. may be referred to.

Hereinafter, a process in which the driver's insurance product providing apparatus 100 obtains and analyzes driving information to provide a changed insurance premium or provide a reward to a driver's insurance subscriber will be described.

The driver insurance product providing apparatus 100 may collect driving information from at least one of the user terminal 31 , the vehicle-mounted terminal 32 , and the traffic information providing terminal 33 .

Here, the driving information according to an embodiment of the present application is information directly or indirectly linked to vehicle operation, for example, driving distance information, driving speed information, signal violation history information, main driving time period information, acceleration/deceleration history It may include at least one of information, main operation section information, or weather (weather) information. Here, the driving information may be determined in various formats, such as a numerical data format, an audio data format, and an image data format, according to embodiments.

Among the driving information, the mileage information may refer to mileage information of a vehicle of a subscriber who has signed up for a driver's insurance product. Illustratively, a specific monitoring cycle is set, and for each monitoring cycle, total distance information driven within the cycle, average distance information during one driving (one trip from the source to the destination), maximum distance information, minimum distance information, etc. may include

Among the driving information, driving speed information means information related to the speed of a vehicle of a subscriber who has subscribed to a driver's insurance product, and may include a maximum driving speed, an average driving speed, and the like. Like travel distance information, it may be measured at a preset specific monitoring period or may be measured based on one driving time according to an embodiment.

Among the driving information, the signal violation history information is included in the history of various types of traffic law violations or accidents, such as the vehicle of the subscriber who subscribed to the driver's insurance product violates a stop sign, violates the speed limit for each driving section, or makes a U-turn in a U-turn prohibited area. It may contain information about

The main driving time zone information among the driving information may refer to information on which time period the vehicle of the subscriber who subscribes to the driver's insurance product is mainly operated. Illustratively, information on whether the vehicle is driven mainly on weekdays (daytime) or late at night (night) based on one day may include information on whether the vehicle is driven mainly on weekdays or weekends based on one week, but is limited thereto no.

Among the driving information, the acceleration/deceleration history information may include information such as rapid acceleration, rapid deceleration, sudden start, sudden turn, number of sudden stops, and frequency of the vehicle of the subscriber who has subscribed to the driver's insurance product.

Among the driving information, the main driving section information may mean information about in which area the vehicle of the subscriber who subscribes to the driver's insurance product is mainly operated. For example, it may be collected in connection with the driver's insurance policy subscriber's residence information, company information, etc., specifically, what type of road the vehicle mainly drives, such as highways, national roads, unpaved roads, rough roads, and autonomous driving sections, etc. It may include, but is not limited to, information on which administrative area (province, city, county, gu, eup, myeon, etc.) is mainly driven. For example, even if it is assumed that it is the same vehicle and the same driver, the driving form index to be described later is calculated differently depending on the main driving section (highway, national road, unpaved road, rough road, autonomous driving section) or major driving administrative area of the vehicle. Insurance premiums may be calculated differently.

The weather (weather) information among the driving information may include current real-time weather information while driving or average weather information when the vehicle is driving for a predetermined time or longer. For example, the weather information may include season information, temperature information, precipitation information, rainfall amount information, road surface condition (rainy road, icy road) information, and the like. For example, a driving form index, which will be described later, is calculated differently according to weather information while the vehicle is mainly driven, and as a result, insurance premiums may be calculated differently.

In addition, the driving information according to an embodiment of the present application may include various types of information that can identify the driving (driving) pattern of the driver insurance product subscriber other than the above-described types. For example, vehicle model information, information related to operation of the accelerator or brake, information related to the rotational speed of the wheels, information about the engine and fuel system, exhaust status of the vehicle, coolant temperature, engine oil temperature, airbag shock device normal It may include vehicle state information such as information related to whether the vehicle is operating or not.

In addition, the driver insurance product providing device 100 is collected based on driving data stored in at least one of a driving record self-diagnostic device (On-Board Diagnostics, OBD) or an Urban Traffic Information System (UTIS). It is possible to verify the reliability and accuracy of the driving information. In addition, the driver insurance product providing device 100 receives the driving data stored in at least one of the driving record self-diagnosis device (OBD) and the urban traffic information system (UTIS), and the user terminal 31 and the vehicle-mounted terminal 32 Alternatively, the driving form index may be calculated from at least one of the traffic information providing terminals 33 based on the driving information and the driving data.

The urban traffic information system 300 may refer to a traffic information system that produces and provides traffic information for each city or a server associated therewith, and specifically, a traffic information center, a collection and provision device, and a surveillance camera provided in each major city. , may refer to a system or server that produces and provides various types of traffic information in connection with infrastructure such as a variable electric signage (VMS).

The driving record self-diagnosis device 400 is installed under the driver's seat of the vehicle or on the dashboard of the vehicle, and is a driving record storage device that stores vehicle status, fuel efficiency information, fuel information, acceleration information, vehicle breakdown history, seat belt wearing information, etc. can mean

In this regard, the driver insurance product providing apparatus 100 includes driving information collected from at least one of the user terminal 31 , the vehicle-mounted terminal 32 , and the traffic information providing terminal 33 and the city traffic information system 300 or By comparing the driving data stored in at least one of the driving record self-diagnosis apparatus 400 , verification may be performed so that more accurate driving information can be considered in calculating a driving form index, which will be described later.

Specifically, according to an embodiment of the present application, the driver insurance product providing device 100 is installed in at least one of a driving record self-diagnostic device (On-Board Diagnostics, OBD) or an Urban Traffic Information System (UTIS). By receiving the stored driving data and determining whether the received driving data matches the collected driving information, the collected driving information may be verified. In addition, when the driving data stored in at least one of the driving record self-diagnosis device 400 or the city traffic information system 300 and the collected driving information do not match, the driver insurance product providing apparatus 100 collects the driving data based on the driving data. It is possible to update the operation information. For example, the collected driving information may be replaced with driving data corresponding to the collected driving information.

According to an embodiment of the present disclosure, the apparatus 100 for providing driver's insurance products obtains reliability information of the corresponding driving data together with the driving data, and based on the reliability information, when the reliability of the corresponding driving data is greater than or equal to a preset level, the driving data The operation may be implemented to replace the collected driving information that does not match with the driving data, and vice versa, if the reliability of the driving data is less than a preset level, the operation may be implemented to utilize the collected driving information as it is without replacing it with the driving data.

Also, according to an exemplary embodiment of the present disclosure, the apparatus 100 for providing a driver's insurance product may operate to calculate a driving type index, which will be described later, by comprehensively considering driving data and collected driving information.

According to an embodiment of the present application, the driver insurance product providing apparatus 100 analyzes the driving data collected from the driving record self-diagnostic device (On-Board Diagnostics, OBD) to determine whether the driver is wearing a seat belt, and the driving section in which the seat belt is worn. And it is possible to analyze the non-wearing driving section, the seat belt wearing driving time and the non-wearing driving time, the ratio of the seat belt wearing and not wearing driving, etc., and calculating the driving form index of the driver based on the analysis result. Therefore, the driver's insurance product providing apparatus 100 can calculate the driver's driving form index by more closely analyzing and applying not only the driver's seat belt wearing habits at the time of the vehicle accident, but also the usual driver's seat belt wearing habits. have.

Also, the driver's insurance product providing apparatus 100 may calculate the driving form index corresponding to the driving information based on the verified driving information collected through the generated driving analysis algorithm.

Specifically, the driver insurance product providing apparatus 100 may calculate a driving form index in consideration of the accident occurrence probability of a driver corresponding to the driving information by using the driving information and driving data as inputs of a previously generated driving analysis algorithm. . In addition, the pre-generated driving analysis algorithm may be generated based on an artificial intelligence model based on machine learning, and may be characterized in that a weight for each type of the above-described driving information is set differently.

Here, machine learning-based artificial intelligence models are Convolutional Neural Network (CNN), Deep Neural Network (DNN), Recurrent Neural Network (RNN), Logistic Regression ), may be linked to machine learning techniques such as random forest, but this is only an exemplary description for helping understanding, and it is interpreted as limiting or limiting the application of the present idea to other machine learning embodiments. it shouldn't be

Illustratively, the type of driving information described above may include driving distance information, driving speed information, signal violation history information, main driving time period information, acceleration/deceleration history information, main driving section information, and the like, and the driver insurance product providing device ( 100 ) may set different weights, which is a degree considered by the pre-generated driving analysis algorithm, for each type included in the driving information and the driving data. Here, the weight for each type may be determined differently in consideration of user information of a subscriber who has subscribed to the driver's insurance product.

For example, the driver insurance product providing apparatus 100 may determine different weights for each type of collected driving information based on user information acquired during a driver insurance product subscription process or user information separately acquired through another route. For example, the weight of certain types of driving information can be adjusted higher or lower according to the gender, residence information, age, vehicle, etc. of the subscriber who subscribed to the driver's insurance policy, It is also possible to adjust the weight of the type of driving information to be higher or lower.

As such, the driver insurance product providing apparatus 100 collects various driving information, verifies it based on the driving data, and considers accurate driving information, but determines the degree of consideration for each type of driving information in calculating the driving type index based on user information. By setting it differently, it is possible to perform an accurate analysis on the driving (driving) pattern of the corresponding subscriber, and by calculating this by comprehensively considering it as a driving type index, the insurance premium is changed (discounted or premium) or offer rewards.

According to an embodiment of the present application, the weight of each type of operation information input to the generated operation analysis algorithm is higher than the weight of the remaining operation information in which the weight of the main operation time period information and the main operation section information among the operation information is higher than that of the remaining operation information. can be set. For example, even if the vehicle is driven by the same driver, the probability of an accident occurring may be higher if the vehicle is driven mainly at night than if the vehicle is driven mainly during the week. Since the probability of occurrence of an accident may be higher than that in the case of an accident, the driver insurance product providing apparatus 100 may exemplarily set the weights of the main driving time zone information and the main driving section information to be higher than the weights of the remaining driving information.

In addition, the driving form index according to an embodiment of the present application may be determined as a single numerical value or value, but is not limited thereto, and evaluation of a plurality of types (eg, driving habit-related driving form index, driving time-related It may be determined as a plurality of numerical values or values by reflecting the divided evaluation of the operation type index, the operation type index related to the operation section, etc.).

Also, the driver insurance product providing apparatus 100 may transmit the calculated driving form index to the insurance company management server 200 . At this time, the insurance company management server 200 that has received the driving type index analyzes and evaluates the driving (driving) pattern of the corresponding driver insurance subscriber based on the driving type index, and re-evaluates the insurance premium, insurance rate, etc. based on this. A request for providing a reward may be determined by determining a request for change or by determining a reward to be provided to a driver insurance subscriber who shows an excellent driving (driving) pattern as a result of analyzing the driving type index.

Here, according to an embodiment of the present application, the insurance company management server 200 evaluates the driving (driving) pattern of the corresponding driver insurance subscriber based on the driving form index received from the driver insurance product providing device 100, and as a result, If the probability of an accident occurring is higher than the existing driving (driving) pattern identified in light of the previously set insurance premium level, the insurance premium or premium rate is increased to determine the request to change the insurance premium, or, conversely, an accident occurs compared to the existing driving (driving) pattern When the probability is lowered, the request for changing the premium may be determined by reducing the premium or the premium rate.

That is, the insurance company management server 200 may increase the insurance premium or premium rate by reflecting the increased risk in the driving (driving) pattern based on the driving type index. can be reduced. At this time, the risk of the driving (driving) pattern is not a simple evaluation of the driving habits (for example, driving speed, acceleration/deceleration pattern, and signal violation history) of the driver insurance subscriber as described above, but rather the main driving time period (weekdays, weekdays, Holidays, mid-week nights, etc.) or major operation sections (e.g., major traffic types such as highways, national roads, unpaved roads, and rough roads, or major administrative districts, etc.)

Also, according to an embodiment of the present application, the reward to be provided to the driver's insurance subscriber may be provided in the form of a mobile gift certificate. Specifically, the mobile gift certificate may refer to a value exchange means issued intangible online or mobile, rather than in the form of a real paper (eg, paper, card, etc.). Driver insurance subscribers who receive rewards in the form of mobile gift certificates can exchange for various products (however, concepts including goods and tangible/intangible services) or gift (transfer) to other users through mobile gift certificates online and offline. . That is, the mobile gift certificate may refer to any kind of value exchange means that the provider can use directly or gift it to a third party.

In addition, the rewards in the form of mobile gift certificates in the present application include various types of mobile coupons, gift certificates, tickets, points, etc. that are transmitted and received through electronic/mobile between servers or user terminals, and that can be directly used online or offline or exchanged with goods/services. can do. That is, the reward in the form of a mobile gift certificate herein may be understood as a concept including all of the mobile gift certificates that can be transmitted and received online and exchanged with any product/service regardless of a specific form or service provision method.

Also, the driver's insurance product providing apparatus 100 may receive at least one of a premium change request and a reward provision request based on the driving type index from the insurance company management server 200 .

In addition, the driver insurance product providing apparatus 100 may provide at least one of the user terminal 31 or the vehicle-mounted terminal 32 with insurance premium information changed based on the insurance premium change request or reward information associated with the reward provision request. can

Here, the act of the driver's insurance product providing apparatus 100 providing the reward information to at least one of the user terminal 31 and the in-vehicle terminal 32 is associated with a reward (eg, a mobile gift certificate) and encrypted It can be understood as sending a personalized URL.

According to one embodiment of the present application, the encrypted personalized URL is a formal access to a page for inputting a user input for receiving a reward (eg, mobile gift certificate) provided by the driver insurance product providing device 100 . It includes a URL and an authentication number for authenticating that the corresponding personalized URL is legitimate access information, and the official URL and authentication number may be encrypted and generated. For example, the personalized URL may be generated in the form of a shortened URL. In addition, according to an embodiment of the present application, the personalized URL may be associated with information such as various types of characters, barcodes, QR codes, etc. for subscription, exchange, use, etc. of products or services guaranteed by rewards.

In addition, according to an embodiment of the present disclosure, the driver insurance product providing apparatus 100 is implemented to provide the changed insurance premium information or reward information to the user terminal 31 or the vehicle-mounted terminal 32 every preset period ( provided during the driver's insurance subscription period) or to provide one-time changed insurance premium information or reward information (provided after the driver's insurance subscription period ends) after the coverage period of the existing driver's insurance product ends. In addition, insurance premium information or reward information changed according to an embodiment may be provided when a new driver's insurance product subscription request is made later by the same subscriber.

In addition, according to an embodiment of the present application, the reward (mobile voucher) provided by the driver insurance product providing apparatus 100 is provided to the user terminal 31 or the vehicle-mounted terminal 32 in an inactive state, and then the reward recipient is actually When a use request for the corresponding reward (mobile gift certificate) is generated by the place of use, the product or service included in the reward may be provided after activation and separate information confirmation and authentication related procedures have passed.

As described above, providing benefits such as insurance premium discount or reward (mobile gift certificate) to the driver insurance policy subscriber who has shown a safe driving pattern by the driver insurance product providing apparatus 100 according to the embodiment of the present application is a driver's insurance product It has the effect of being an incentive for drivers who subscribed to the insurance policy to drive or drive safely during the period of insurance.

FIG. 2 is a diagram illustrating a configuration of a system for providing a driver's insurance product based on driving information including an apparatus for providing a driver's insurance product based on driving information according to another exemplary embodiment of the present disclosure.

Referring to FIG. 2 , the system 10 for providing a driver's insurance product based on driving information according to another embodiment of the present application includes an apparatus 500 for providing a driver's insurance product based on driving information according to another embodiment of the present application, a user terminal ( 31), a vehicle-mounted terminal 32, a traffic information providing terminal 33, an urban traffic information system 300, and a driving record self-diagnosis device 400 may be included.

Driver insurance product providing device 500 , user terminal 31 , vehicle-mounted terminal 32 , traffic information providing terminal 33 , insurance company management server 200 , city traffic information system 300 , and driving record self-diagnosis device 400 may be connected to each other through the network 20 , and the network 20 may mean a connection structure capable of exchanging information with each other, such as terminals and servers.

Referring to FIG. 2 , an apparatus 500 for providing a driver's insurance product based on driving information according to another embodiment of the present application is an apparatus 100 for providing a driver's insurance product based on driving information according to an embodiment of the present application described with reference to FIG. 1 . ) and the insurance company management server 200 can be understood as being integrated into one subject.

That is, unlike the apparatus 100 for providing a driver's insurance product based on driving information according to an embodiment of the present application described with reference to FIG. 1 , driver insurance based on driving information according to another embodiment of the present application shown in FIG. 2 . The product providing device 500 may receive the registration information of the driver's insurance subscriber and process the driver's insurance product subscription by itself, and the operation form calculated based on the operation information collected by various terminals (or the verification procedure is completed) The premium to be changed through the index may be directly determined, or the reward may be determined and provided to the subscriber's user terminal 31 or vehicle-mounted terminal 32 .

Accordingly, among the matters described above with reference to FIG. 1 , the apparatus 100 for providing a driver's insurance product based on driving information according to an exemplary embodiment of the present application and the apparatus 500 for providing a driver's insurance product based on driving information according to another exemplary embodiment of the present disclosure ), the redundant description of the corresponding operation description will be omitted.

3 is a schematic configuration diagram of an apparatus for providing a driver's insurance product based on driving information according to an exemplary embodiment of the present disclosure.

Referring to FIG. 3 , the apparatus 100 for providing a driver's insurance product based on driving information according to an embodiment of the present application includes a subscription broker 110 , a driving information collecting unit 120 , a driving information verifying unit 130 , It may include an index calculation unit 140 and a request processing unit 150 .

The subscription broker 110 may receive a user input including subscription information for a driver's insurance product from the user terminal 31 or the vehicle-mounted terminal 32 .

In addition, the subscription intermediary unit 110 transmits the received driver insurance product subscription information to the insurance company management server 200 , and receives the driver insurance subscription processing result from the insurance company management server 200 to the user terminal 31 or It may be provided to the vehicle-mounted terminal 32 .

The driving information collecting unit 120 may collect driving information from at least one of the user terminal 31 , the vehicle-mounted terminal 32 , and the traffic information providing terminal 33 .

The driving information verification unit 130 may receive driving data stored in at least one of an on-board diagnostics (OBD) and an urban traffic information system (UTIS).

Also, the driving information verifying unit 130 may verify the driving information collected by the driving information collecting unit 120 based on the received driving data.

The index calculation unit 140 may calculate a driving form index corresponding to the driving information based on the driving information verified by the driving information verification unit 130 through the generated driving analysis algorithm.

The request processing unit 150 may transmit the driving type index calculated by the index calculation unit 140 to the insurance company management server 200 .

Also, the request processing unit 150 may receive from the insurance company management server 200 at least one of a premium change request or a reward provision request based on the driving type index.

Also, the request processing unit 150 may provide, to at least one of the user terminal 31 and the vehicle-mounted terminal 32 , the insurance premium information changed according to the insurance premium change request or the reward information associated with the reward provision request.

4 is a schematic configuration diagram of an apparatus for providing a driver's insurance product based on driving information according to another exemplary embodiment of the present disclosure.

Referring to FIG. 4 , an apparatus 500 for providing a driver's insurance product based on driving information according to another embodiment of the present application includes a subscription processing unit 510 , a driving information collection unit 520 , a driving information verification unit 530 , and an index. It may include a calculation unit 540 and a benefit providing unit 550 .

In the apparatus 500 for providing a driver's insurance product based on driving information according to another embodiment of the present application, the driving information collecting unit 520 , the driving information verifying unit 530 , and the index calculating unit 540 are Corresponds to each of the driving information collecting unit 120 , the driving information verifying unit 130 , and the index calculating unit 140 of the apparatus 100 for providing a driver's insurance product based on driving information according to an embodiment, and the same operation and function Therefore, the driving information collecting unit 520, the driving information verifying unit 530, and the index calculating unit 540 are replaced with the description described above with respect to FIG. 4, and below, the subscription processing unit 510 and the benefit providing unit ( 550) will be described.

The subscription processing unit 510 receives a user input including information on the subscription of the driver's insurance product from the user terminal 31 or the vehicle-mounted terminal 32, processes the subscription for the driver's insurance product, and displays the result of the driver's insurance subscription processing to the user. It can be transmitted to the terminal 31 or the vehicle-mounted terminal 32 .

The benefit providing unit 550 determines insurance premium change information or reward information based on the driving type index calculated by the index calculating unit 540 and provides the insurance premium change information or reward information to the user terminal 31 or the vehicle-mounted terminal. It can be provided to at least one of (32).

5 is an operation flowchart of a method for providing a driver's insurance product based on driving information according to an exemplary embodiment of the present disclosure.

The method of providing a driver's insurance product based on the driving information shown in FIG. 5 is a system for providing a driver's insurance product based on the driving information described with reference to FIGS. 1 and 3 or an apparatus for providing a driver's insurance product based on the driving information 100 ) is performed by Accordingly, even if the following description is omitted, the description of the driver insurance product providing system 10 based on driving information or the driver insurance product providing apparatus 100 based on driving information through FIGS. 1 and 3 is the same as in FIG. 5 . can be applied

Referring to FIG. 5 , in step S501 , the subscription broker 110 may receive a user input including subscription information for a driver's insurance product from the user terminal 31 or the vehicle-mounted terminal 32 .

Next, in step S502 , the subscription broker 110 may transmit subscription information of the driver's insurance product to the insurance company management server 200 .

Next, in step S503, the subscription broker 110 may receive the driver insurance subscription processing result from the insurance company management server 200 .

Next, in step S504, the subscription broker 110 may provide the received driver insurance subscription processing result to the subscriber. Here, the provision to the subscriber may be understood as transmitting the received driver insurance subscription processing result to the user terminal 31 or the vehicle-mounted terminal 32 .

Next, in step S505 , the driving information collecting unit 120 may collect driving information from at least one of the user terminal 31 , the in-vehicle terminal 32 , or the traffic information providing terminal 33 .

Next, in step S506 , the driving information verification unit 130 may receive driving data stored in at least one of the driving record self-diagnosis apparatus 400 and the city traffic information system 300 .

Next, in step S507, the driving information verification unit 130 may verify the driving information collected in step S505 based on the driving data. For example, verifying the driving information may include determining whether the driving data matches the collected driving information.

Next, in step S508, the index calculator 140 may calculate the driving form index corresponding to the driving information based on the driving information collected (or collected and verified) through the generated driving analysis algorithm. .

Next, in step S509 , the request processing unit 150 may transmit the calculated driving type index to the insurance company management server 200 .

Next, in step S510 , the request processing unit 150 may receive from the insurance company management server 200 at least one of a premium change request or a reward provision request based on the driving type index.

Next, in step S511, the request processing unit 150 provides at least one of the user terminal 31 or the in-vehicle terminal 32 with insurance premium information changed based on the insurance premium change request or reward information associated with the reward provision request. can do.

In the above description, steps S501 to S511 may be further divided into additional steps or combined into fewer steps, according to an embodiment of the present application. In addition, some steps may be omitted as necessary, and the order between steps may be changed.

6 is an operation flowchart of a method of providing an insurance product based on driving information according to another exemplary embodiment of the present disclosure.

The method of providing an insurance product based on driving information according to another exemplary embodiment of the present application illustrated in FIG. 6 is performed by the system 10 for providing a driver's insurance product based on driving information described above with reference to FIGS. 1 to 4 . Accordingly, even if omitted below, the descriptions of the system 10 for providing driver's insurance products based on driving information through FIGS. 1 to 4 may be equally applied to FIG. 6 . In particular, the method for providing insurance products based on driving information according to another embodiment of the present application shown in FIG. 6 is provided to the apparatus 500 for providing insurance products for drivers based on driving information according to another embodiment of the present application described above with reference to FIG. 4 . can be performed by

Referring to FIG. 6 , in step S601 , the subscription processing unit 510 may receive a user input including subscription information of a driver's insurance product from the user terminal 31 or the vehicle-mounted terminal 32 .

Next, in step S602 , the subscription processing unit 510 may process subscription of the driver's insurance product based on subscription information (user input) of the driver's insurance product.

Next, in step S603 , the subscription processing unit 510 may transmit the driver insurance subscription processing result to the user terminal 31 or the vehicle-mounted terminal 32 .

Next, in step S604 , the driving information collecting unit 520 may collect driving information from at least one of the user terminal 31 , the vehicle-mounted terminal 32 , or the traffic information providing terminal 33 .

Next, in step S605 , the driving information verification unit 530 may receive driving data stored in at least one of the driving record self-diagnosis apparatus 400 and the city traffic information system 300 .

Next, in step S606 , the driving information verification unit 530 may verify the collected driving information based on the driving data.

Next, in step S607, the index calculating unit 540 may calculate a driving form index corresponding to the driving information based on the driving information verified by the driving information verifying unit 530 through the generated driving analysis algorithm. have.

Next, in step S608 , the benefit providing unit 550 may determine insurance premium change information or reward information based on the driving type index calculated by the index calculating unit 540 .

Next, in step S609 , the benefit providing unit 550 may provide insurance premium change information or reward information to at least one of the user terminal 31 and the vehicle-mounted terminal 32 .

In the above description, steps S601 to S609 may be further divided into additional steps or combined into fewer steps, according to an embodiment of the present application. In addition, some steps may be omitted as necessary, and the order between steps may be changed.

The method of providing a driver's insurance product based on the above-described driving information may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy disks. - includes magneto-optical media, and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

In addition, the method of providing a driver's insurance product based on the above-described driving information may be implemented in the form of a computer program or application executed by a computer stored in a recording medium.

The above description of the present application is for illustration, and those of ordinary skill in the art to which the present application pertains will understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present application. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present application is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present application.

10: Driver insurance product provision system based on driving information
100: Device for providing driver's insurance products based on driving information
110: Subscription Brokerage
120: operation information collection unit
130: operation information verification unit
140: index calculator
150: request processing unit
200: insurance company management server
20: network
31: user terminal
32: vehicle-mounted terminal
33: traffic information providing terminal
300: city traffic information system
400: driving record self-diagnosis device
500: Device for providing driver's insurance products based on driving information
510: subscription processing unit
520: operation information collection unit
530: operation information verification unit
540: index calculator
550: Benefits Department

Claims (20)

A method of providing a driver's insurance product based on driving information, the method comprising:
receiving a user input including subscription information of a driver's insurance product from a vehicle-mounted terminal;
transmitting the subscription information of the driver's insurance product to an insurance company management server;
receiving a driver insurance subscription processing result from the insurance company management server;
providing the received driver insurance subscription processing result to the vehicle-mounted terminal;
collecting driving information from at least one of a user terminal, the vehicle-mounted terminal, or a traffic information providing terminal;
calculating a driving form index corresponding to the driving information based on the collected driving information through a previously generated driving analysis algorithm;
transmitting the calculated driving type index to an insurance company management server;
receiving at least one of a premium change request and a reward provision request based on the driving type index from the insurance company management server;
providing, to at least one of the user terminal and the vehicle-mounted terminal, insurance premium information changed based on the insurance premium change request or reward information associated with the reward provision request;
Receiving driving data stored in at least one of an On-Board Diagnostics (OBD) or an Urban Traffic Information System (UTIS) and reliability information of the driving data; and
verifying the driving information based on whether the reliability information and the driving data match the collected driving information;
including,
The verification step is
If the driving information and the driving data do not match and the reliability of the driving data is greater than or equal to a preset level based on the reliability information, replacing the collected driving information with the driving data,
If the driving information and the driving data match or the driving information and the driving data do not match, but the reliability of the driving data is less than the preset level, the driving information is used as it is,
The calculating step is
The driving form index is calculated by further considering the seat belt wearing information including the driver's seat belt wearing-not wearing driving section, seat belt wearing-not wearing driving time, and seat belt wearing-not wearing driving ratio collected from the driving record self-diagnosis device. calculate,
The providing step is
Based on the subscription information of the driver's insurance product, the changed insurance premium information or the reward information is provided once when the coverage period of the insurance product ends, or the changed insurance premium information or the reward information is provided multiple times at a preset cycle do,
The driving information is
including driving distance information, driving speed information, signal violation history information, main operating time information, acceleration/deceleration history information, and main operating section information;
The driving analysis algorithm is generated based on a machine learning-based artificial intelligence model, and a weight for each type of the driving information is individually set based on user information included in the subscription information, the main driving time zone information and the A method of providing a driver's insurance product, wherein the weight for the main driving section information is set to be higher than the weight for the rest of the driving information. delete delete According to claim 1,
The vehicle-mounted terminal,
A method of providing a driver's insurance product comprising a navigation module, a high-pass module, or a connected car mobility service module. delete According to claim 1,
The step of calculating the driving form index,
Using the driving information as an input of the generated driving analysis algorithm, the driving type index is calculated in consideration of a probability of occurrence of an accident of a driver corresponding to the driving information. delete delete delete delete A method of providing a driver's insurance product based on driving information, the method comprising:
receiving a user input including subscription information of a driver's insurance product from a vehicle-mounted terminal;
processing a driver's insurance product subscription based on the user input, and transmitting a driver's insurance subscription processing result to the vehicle-mounted terminal;
collecting driving information from at least one of a user terminal, the vehicle-mounted terminal, or a traffic information providing terminal;
calculating a driving form index corresponding to the driving information based on the collected driving information through a previously generated driving analysis algorithm;
determining insurance premium change information or reward information based on the driving type index;
providing the insurance premium change information or the reward information to at least one of the user terminal and the vehicle-mounted terminal;
Receiving driving data stored in at least one of an On-Board Diagnostics (OBD) or an Urban Traffic Information System (UTIS) and reliability information of the driving data; and
verifying the driving information based on whether the reliability information and the driving data match the collected driving information;
including,
The verification step is
If the driving information and the driving data do not match and the reliability of the driving data is greater than or equal to a preset level based on the reliability information, replacing the collected driving information with the driving data,
If the driving information and the driving data match or the driving information and the driving data do not match, but the reliability of the driving data is less than the preset level, the driving information is used as it is,
The calculating step is
The driving form index is calculated by further considering the seat belt wearing information including the driver's seat belt wearing-not wearing driving section, seat belt wearing-not wearing driving time, and seat belt wearing-not wearing driving ratio collected from the driving record self-diagnosis device. calculate,
The providing step is
Based on the subscription information of the driver's insurance product, the changed insurance premium information or the reward information is provided once when the coverage period of the insurance product ends, or the changed insurance premium information or the reward information is provided multiple times at a preset cycle do,
The driving information is
including driving distance information, driving speed information, signal violation history information, main operating time information, acceleration/deceleration history information, and main operating section information;
The driving analysis algorithm is generated based on a machine learning-based artificial intelligence model, and a weight for each type of the driving information is individually set based on user information included in the subscription information, the main driving time zone information and the A method of providing a driver's insurance product, wherein the weight for the main driving section information is set to be higher than the weight for the rest of the driving information. delete delete In the driver insurance product providing device based on driving information,
Receives a user input including subscription information of a driver's insurance product from a vehicle-mounted terminal, transmits subscription information of the driver's insurance product to an insurance company management server, and receives a driver insurance subscription processing result from the insurance company management server to mount the vehicle Subscription intermediary provided to the terminal;
a driving information collecting unit for collecting driving information from at least one of a user terminal, the vehicle-mounted terminal, and the traffic information providing terminal;
Receives driving data stored in at least one of On-Board Diagnostics (OBD) or Urban Traffic Information System (UTIS) and verifies the driving information based on the driving data information verification unit;
an index calculator for calculating a driving form index corresponding to the driving information based on the verified driving information through a previously generated driving analysis algorithm; and
The calculated driving type index is transmitted to the insurance company management server, and at least one of a premium change request or a reward provision request based on the driving type index is received from the insurance company management server, and the changed insurance premium information or reward information is transmitted to the user terminal or a request processing unit provided to at least one of the vehicle-mounted terminals;
including,
The driving information verification unit,
receiving reliability information of the driving data, and verifying the driving information based on the reliability information and whether the driving data and the collected driving information match,
If the driving information and the driving data do not match and the reliability of the driving data is greater than or equal to a preset level based on the reliability information, replacing the collected driving information with the driving data,
If the driving information and the driving data match or the driving information and the driving data do not match, but the reliability of the driving data is less than the preset level, the driving information is used as it is,
The index calculation unit,
The driving form index is calculated by further considering the seat belt wearing information including the driver's seat belt wearing-not wearing driving section, seat belt wearing-not wearing driving time, and seat belt wearing-not wearing driving ratio collected from the driving record self-diagnosis device. calculate,
The request processing unit,
Based on the subscription information of the driver's insurance product, the changed insurance premium information or the reward information is provided once when the coverage period of the insurance product ends, or the changed insurance premium information or the reward information is provided multiple times at every preset cycle do,
The driving information is
including driving distance information, driving speed information, signal violation history information, main operating time information, acceleration/deceleration history information, and main operating section information;
The driving analysis algorithm is generated based on a machine learning-based artificial intelligence model, and a weight for each type of driving information is individually set based on user information included in the subscription information, the main driving time zone information and the The weight for the main driving section information is set to be higher than the weight of the remaining driving information, the driver insurance product providing device. delete 15. The method of claim 14,
The vehicle-mounted terminal,
A device for providing driver insurance products, including a navigation module, a high-pass module, or a connected car service module. delete delete delete In the driver insurance product providing device based on driving information,
a subscription processing unit that receives a user input including subscription information of a driver's insurance product from an on-board terminal, processes subscription of a driver's insurance product based on the user input, and transmits a driver's insurance subscription processing result to the on-board terminal;
a driving information collecting unit for collecting driving information from at least one of a user terminal, the vehicle-mounted terminal, and the traffic information providing terminal;
Receives driving data stored in at least one of On-Board Diagnostics (OBD) or Urban Traffic Information System (UTIS) and verifies the driving information based on the driving data information verification unit;
an index calculator for calculating a driving form index corresponding to the driving information based on the verified driving information through a previously generated driving analysis algorithm; and
a benefit providing unit that determines insurance premium change information or reward information based on the calculated driving type index, and provides the insurance premium change information or the reward information to at least one of the user terminal and the vehicle-mounted terminal;
including,
The driving information verification unit,
receiving reliability information of the driving data, and verifying the driving information based on the reliability information and whether the driving data and the collected driving information match,
If the driving information and the driving data do not match and the reliability of the driving data is greater than or equal to a preset level based on the reliability information, replacing the collected driving information with the driving data,
If the driving information and the driving data match or the driving information and the driving data do not match, but the reliability of the driving data is less than the preset level, the driving information is used as it is,
The index calculation unit,
The driving form index is calculated by further considering the seat belt wearing information including the driver's seat belt wearing-not wearing driving section, seat belt wearing-not wearing driving time, and seat belt wearing-not wearing driving ratio collected from the driving record self-diagnosis device. calculate,
The benefit provider is
Based on the subscription information of the driver's insurance product, the changed insurance premium information or the reward information is provided once when the coverage period of the insurance product ends, or the changed insurance premium information or the reward information is provided multiple times at a preset cycle do,
The driving information is
including driving distance information, driving speed information, signal violation history information, main operating time information, acceleration/deceleration history information, and main operating section information;
The driving analysis algorithm is generated based on a machine learning-based artificial intelligence model, and a weight for each type of the driving information is individually set based on user information included in the subscription information, the main driving time zone information and the The weight for the main driving section information is set to be higher than the weight of the remaining driving information, the driver insurance product providing device.

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