KR20040073816A - Apparatus and method for servicing driving information, system and method for driving appendence analysis using the same - Google Patents

Abstract

PURPOSE: A traveling information system and its service method, and a driving inclination analysis system and its method using the same are provided to obtain an accurate surrounding condition and to realize driving safety of a driver in case of traffic emergency. CONSTITUTION: According to the traveling information system(1000a), a position information generation part generates position information corresponding to the present position of a vehicle based on a GPS signal. A vehicle signal interface part(142) receives a vehicle signal from every kind of sensors of the vehicle. And a control part(146) generates vehicle state information and traveling record information, based on the vehicle signal received from the vehicle signal interface part and the position information received from the position information generation part.

Description

Driving information device and service method thereof, driving inclination analysis system using same and method thereof {APPARATUS AND METHOD FOR SERVICING DRIVING INFORMATION, SYSTEM AND METHOD FOR DRIVING APPENDENCE ANALYSIS USING THE SAME}

The present invention relates to a driving information device, a service method thereof, a driving tendency analysis system using the same, and a method thereof, and more particularly, to a driving information device for accurately identifying a true authenticity and safe driving of a driver during an emergency of a vehicle; The present invention, a driving tendency analysis system using the same, and a method thereof.

In general, the black box system that is frequently used in airplanes, etc. is to determine the exact cause of the accident occurred during the flight, to analyze the cause of the accident to prevent the occurrence of the same accident, it is easy to determine the authenticity of the accident.

However, since the same function as the black box system is not built in a general vehicle, it is difficult to grasp the authenticity in the event of an accident, and the black box system is expensive and difficult to be embedded in a general vehicle.

In addition, as the number of vehicles increases, violent driving prevails, and accordingly, the traffic accident rate also increases. In order to reduce such traffic accidents, the government has proposed a system to counter traffic violations as an alternative to traffic accident prevention.

However, since these systems rely on police and unmanned cameras, there is a lack of active measures for violent driving and traffic accident prevention, and there is a problem that a practical alternative to traffic accident prevention is insufficient.

Accordingly, the present invention has been made in an effort to solve such a conventional problem, and an object of the present invention is to provide a driving information device for accurately identifying the true authenticity and safe driving of a driver when an emergency occurs in a vehicle.

Another object of the present invention is to provide a driving information generating method for determining the current state of a vehicle by using the driving information apparatus and storing vehicle information corresponding to non-compliance of safe driving.

In addition, another object of the present invention is to provide a driving tendency analysis system for inducing a safe driving of a driver using the driving information apparatus described above.

In addition, another object of the present invention is to provide a driving tendency analysis method using the driving tendency analysis system described above.

1 is a view for explaining a driving information system according to an embodiment of the present invention.

FIG. 2 is a diagram for describing a grid map applied to the vehicle navigation apparatus shown in FIG. 1.

3A and 3B are diagrams for describing a structure of map data stored in the map data storage shown in FIG. 1.

4 is a diagram for describing the vehicle signal unit illustrated in FIG. 1.

5 is a view for explaining a driving information system according to another embodiment of the present invention.

6 is a view for explaining a driving tendency analysis system according to an embodiment of the present invention.

FIG. 7 is a diagram for describing a driving tendency analysis method using the driving tendency analysis system illustrated in FIG. 6.

FIG. 8 is a diagram for describing a user terminal illustrated in FIG. 6.

FIG. 9 is a diagram for describing a driving tendency analyzing apparatus illustrated in FIG. 6.

FIG. 10 is a view for explaining an example of a credit card company system to which the driving tendency analyzing apparatus shown in FIG. 9 is applied.

FIG. 11 is a view for explaining an example of an insurance company system to which the driving tendency analyzing apparatus shown in FIG. 9 is applied.

12 is a flowchart illustrating a driving information service process according to an exemplary embodiment of the present invention.

FIG. 13 is a flowchart illustrating a process of storing black box information shown in FIG. 12.

FIG. 14 is a flowchart for describing a navigation process of FIG. 12.

FIG. 15 is a flowchart for describing a process of processing driving record information shown in FIG. 12.

16 is a flowchart illustrating a process of analyzing an operation tendency of a credit card company system according to an exemplary embodiment of the present invention.

17 is a flowchart illustrating an insurance service process of an insurance company system according to an exemplary embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

1000: driving information system 3000: user terminal

4000: Driving propensity analysis device 5000: Credit card company system group

6000: Insurance Company System Group

According to one aspect of the present invention, there is provided a driving information apparatus comprising: a location information generation unit generating location information on a current location of a vehicle based on a GPS signal; A vehicle signal interface unit receiving vehicle signals from various sensors of the vehicle; And a controller configured to generate vehicle state information indicating a current state of a vehicle and driving record information indicating a non-safe driving event based on the vehicle signal received from the vehicle signal interface unit and the position information received from the position information generator. It is made, including.

In addition, the driving information apparatus according to another feature for realizing the above object of the present invention generates the position information indicating the current position of the vehicle based on the GPS signal, the vehicle signal received from the various sensors of the vehicle Generate vehicle state information indicating a current state of a vehicle and driving record information indicating a non-safe driving non-compliance event, extract data stored in the memory as a card having a memory is accessed, and store the driving record information in the memory; A card service unit for storing in; And a vehicle TV unit displaying an image corresponding to the TV signal in response to receiving the TV signal, and displaying the location information received from the card service unit.

In addition, the driving information service method according to one aspect for realizing another object of the present invention, (a) receiving and storing a vehicle signal corresponding to the state of the vehicle from various sensors of the vehicle; (b) checking whether a safe driving non-compliance event occurs as the vehicle travels; (c) if it is checked in the step (b) that the safe driving non-compliance event has occurred, generating driving record information corresponding to the safe driving non-compliance event based on the vehicle signal.

In addition, the driving tendency analysis system according to one feature for realizing another object of the present invention described above is mounted on a vehicle, indicates a current position of the vehicle based on a GPS signal, and indicates occurrence of a non-safe driving event. A driving information device which generates driving record information and stores the driving record information in the card as a card having a memory is accessed; And a driving tendency analyzing apparatus for generating driving information indicating a driving tendency of the vehicle driver based on the driving record information received from the driving information apparatus.

In addition, a driving tendency analysis system according to another feature for realizing the above object of the present invention is mounted on a vehicle, indicates the current position of the vehicle based on a GPS signal, and from various sensors of the vehicle. Generate driving state information indicating current state of the vehicle and driving record information indicating occurrence of a non-safe driving event based on the received vehicle signal, and store the driving record information in the card as a card having a memory is accessed; A driving information device for extracting data stored in a memory of the card; And an insurance service device which generates driving information indicating driving tendency of the vehicle driver based on the driving record information received from the driving information device, and sets an insurance rate corresponding to the vehicle driver based on the driving information. It is made to include.

In addition, the driving tendency analysis method according to one feature for realizing another object of the present invention described above is based on (a) a vehicle signal provided from various sensors built into the vehicle as a non-safe driving event occurs. Generating driving record information corresponding to the non-safe driving event; And (b) generating driving information indicating a driving tendency for a driver of the vehicle based on the received driving record information.

According to such a driving information device, a service method thereof, a driving tendency analysis system using the same, and a method thereof, it is possible to easily detect the authenticity of an accident when a traffic accident occurs and to induce a driver to comply with safe driving.

Hereinafter, with reference to the accompanying drawings, it will be described in detail the present invention.

1 is a view for explaining a driving information system according to an embodiment of the present invention.

Referring to FIG. 1, the driving information system 1000 according to the present invention includes a vehicle navigation apparatus 1100, a GPS antenna 1200, a wireless communication terminal 1300, a speaker 1400, a microphone 1500, and a key input unit ( 1600). In operation, the vehicle navigation apparatus 1100 performs a navigation operation based on a GPS satellite signal provided from the GPS antenna 1200, and outputs a vehicle signal provided from various sensors in the vehicle to a vehicle signal unit built in the vehicle ( Received from 2000 to generate the driving information of the vehicle. In addition, the voice signal or data signal is transmitted / received through the connected wireless communication terminal 1300, and the corresponding voice signal is output or received via the connected speaker 240 or the microphone 250, and the key input unit 260 is used. And receives a predetermined key signal provided from the driver. In this case, the vehicle navigation apparatus 1100 may transmit / receive data through a wireless mobile communication network using the wireless communication terminal 1300. Instead of the wireless communication terminal 1300, a CDMA code may be provided in the vehicle navigation apparatus 1000. It is also possible to use a wireless mobile communication service by incorporating a Division Multiple Access Chip.

The vehicle navigation apparatus 1100 includes a gyro sensor 112, a GPS receiver 114, a central processing unit (CPU) 116, a RAM 118, a ROM 119, a card unit 120, and a map data storage unit 130. ), A travel information unit 140, a screen display unit 150, and a voice signal processor 152.

More specifically, the GPS receiver 112 calculates the current position of the vehicle from the GPS positioning signal received through the GPS antenna 1200, and provides the GPS receiver 112 from the gyro sensor 114 that detects azimuth information in association with the traveling direction of the vehicle. The GPS position information is corrected based on the azimuth information and the vehicle speed information provided from the driving information unit 140, and the corrected GPS position information is transmitted to the central processing unit 116. At this time, the GPS positioning signal accuracy is more accurate than GPS positioning information without accumulating errors than the GPS positioning correction, but the current position of the vehicle can be displayed more accurately according to each situation through the correction using the azimuth information and vehicle speed information. have.

Meanwhile, the central processing unit 116 extracts map data corresponding to the GPS positioning signal from the map data storage unit 130 and then provides the GPS positioning signal and the map data to the screen display unit 150 to display the current position of the vehicle. And control and drive system software driven by the vehicle navigation apparatus 211.

The random access memory (RAM) 118 is a kind of volatile memory and stores data generated by the execution of the vehicle navigation apparatus 1100. That is, the RAM 118 provides a place for the central processing unit 116 to load system software driven by the vehicle navigation apparatus 1100.

The card unit 120 extracts data from the credit card as the credit card mounted with the semiconductor chip is inserted, and stores the data generated by the vehicle navigation apparatus 1100 in the credit card. In this case, the credit card is a combination of a smart card and a credit card in the form of a general magnetic card.

The smart card has a microprocessor and a semiconductor chip having a storage location for storing data, and enables data input and output. The smart card has a very large data storage capacity and a high level of functionality and stability as compared with a general magnetic card.

Accordingly, the credit card applied to the present invention is a card having a credit service function of a general credit card and a large data storage function of a smart card, and its standard conforms to the smart card standard set by the International Standardization Organization (ISO). .

Specifically, the card unit 120 includes a card access unit 122, a card control unit 124, and a card information storage unit 126 that access the credit card.

In operation, as the card access unit 122 accesses the credit card, the card control unit 124 performs card authentication to determine whether the credit card is a valid card. The card access unit 122 provides a signal for controlling to extract data stored in the card access unit 122. The card access unit 122 extracts card information stored in the credit card according to the control signal, and the card control unit 124 stores the card information in the card information storage unit 126. In addition, the card control unit 124 receives the data generated by the driving of the vehicle navigation apparatus 1100 under the control of the central control unit 116 and receives a control signal for controlling the card access unit 122 to store the credit card. The card access unit 122 stores the data in the credit card according to the control signal.

In this case, the card information includes card basic information for user authentication and additional information received and stored from an external terminal such as the vehicle navigation apparatus 1100.

In more detail, the card basic information is information set at the initial setting of the credit card for user authentication, and the card number, the card expiration date, the user's name, the card password, the usage amount information and the like, which are given when the card is issued by the credit card company. The total points score information accumulated according to the credit card company's principles, such as credit card usage history, is included. At this time, the card number, card password, the user's name and the expiration date of the card is unchanged information.

The additional information is variable information added, updated or deleted by an external terminal, and uses the driving information generated by the driving information unit 140 or a discount service for a specific affiliated store received through the wireless communication terminal 1300. Discount coupons to be included.

Meanwhile, the map data storage unit 130 stores an electronic numerical map representing a map image centered on a road like a map, point-of-interest information representing a detailed description of a specific building or a shopping mall, and coordinate values corresponding to the electronic numerical map. Stores map data including coordinate information and guidance information indicating hazards and compliance with the road. The coordinate value system of the map data storage unit 130 will be described in detail later with reference to FIG. 2.

The driving information unit 140 generates information indicating the state of the vehicle by using the vehicle signal received from the vehicle signal unit 2000, and generates and stores driving information for identifying the driving habit of the driver using the vehicle signal. The vehicle signal interface unit 142, the driving record storage unit 144, the driving information control unit 146, and the clock unit 148 are included.

In detail, the vehicle signal interface unit 142 receives various vehicle signals received from various sensors in the vehicle from the vehicle signal unit 2000 and transmits them to the driving information controller 146.

The driving record storage unit 144 stores the driving information generated based on the vehicle signal by the driving information control unit 146. In this case, the driving information is to analyze the black box information and driver's driving habits generated based on the vehicle signal at regular intervals in order to facilitate the situation at the time of the accident when an accident occurs in the vehicle, such as a traffic accident. Contains driving record information.

The black box information is information having a function similar to a black box function embedded in an airplane, and includes a plurality of vehicle state information generated based on the vehicle signal. At this time, since the data output of the GPS receiver 112 is output in units of 1 second, generation of vehicle state information is also generated in units of 1 second.

The plurality of pieces of vehicle state information generated for a predetermined time are stored in the RAM 118 for each vehicle information group, and the vehicle information group is generated for a predetermined number and after the predetermined number is exceeded, the first vehicle generated. The information group is deleted and a new vehicle information group is created. That is, the plurality of vehicle state information is generated for each vehicle information group according to an arbitrarily set generation time unit. In this case, the generation time unit may be arbitrarily set by a driver's operation, or a value may be set when the vehicle navigation apparatus 1100 is initially set, and may be set in a unit of a certain minute or a unit of time. The preset check of the generation time is checked using a system time generated by the clock unit 148.

The data format of the vehicle information group is shown in Table 1 below.

division Item Data length Remarks Header_1 GPS coordinate information of current location 8 bytes Header_2 Current time information 2 bytes One Vehicle Status Information_1 4 bytes 2 Vehicle Status Information_2 4 bytes ... ... ... N-1 Vehicle Status Information_N-1 4 bytes N Vehicle Status Information_N 4 bytes

Referring to Table 1, the structure of the vehicle information group includes a header unit and a data unit, and the header unit corresponds to the vehicle state information_1 generated first among the plurality of vehicle state information included in the vehicle information group. GPS coordinate information and time information indicating a time at which the GPS coordinate information is generated. That is, the GPS coordinate information and the time information are generated together when the vehicle state information_1 is generated. At this time, the data length of the GPS coordinate information is 8 bytes, the data length of the time information is 10 bytes. The data unit includes a plurality of vehicle state information generated during the generation time unit, and the data length of each vehicle state information is 4 bytes. Therefore, since the total data length of the vehicle information group is the sum of the data length of the header portion and the data length of the data portion, the total data length becomes (data length of vehicle state information * number of vehicle state information N + data length of header portion). For example, when the generation time unit is set to 10 minutes, since the vehicle state information is generated in units of 1 second, the number N of vehicle state information included in the vehicle information group is (10 * 60), That is 600. Therefore, since the total data length of the vehicle information group is (4 * 600 + 10), it is 2410 bytes.

In addition, the vehicle information group is repeatedly deleted and generated. When the number of generations set arbitrarily exceeds, the vehicle information group generated first among the existing vehicle information groups is deleted and a new vehicle information group is created. In this case, the number of generations may be set by a driver's manipulation or a value may be set at the initial setting of the vehicle navigation apparatus 1100.

The plurality of pieces of vehicle state information are not stored in the driving record storage unit 144 at the same time as they are generated, but are temporarily stored in the RAM 118 and stored in the driving record storage unit 144 in units of vehicle information groups. That is, as the vehicle state information is generated, the RAM 118 is stored in each vehicle state information unit, and the driving record storage unit 144 stores a plurality of vehicle state information in a data grouped vehicle information group unit.

Therefore, rather than storing the plurality of vehicle state information in the driving record storage unit 144 individually, by storing the plurality of vehicle state information through one write operation, the system overload due to the data load is saved. In this case, the vehicle state information of the driving record storage unit 144 can be updated quickly.

For example, when the generation time unit is set to 10 minutes and the generation number is set to two, the driving information control unit 146 simultaneously drives the vehicle navigation apparatus 1100 and the vehicle signal interface from the vehicle signal unit 2000. The vehicle state information is generated every second based on the vehicle signal received through the unit 142.

The driving information control unit 146 generates the vehicle state information generated every second and temporarily stores the vehicle state information in the RAM 118 and then uses the system time generated by the clock unit 148 to generate the vehicle state information. 1100) It is checked whether 10 minutes have elapsed since the driving time.

If the driving information control unit 146 checks that 10 minutes have elapsed since the driving time of the vehicle navigation apparatus 1100, the first vehicle information group including a plurality of vehicle state information generated for 10 minutes from the driving time is generated. The driving information control unit 146 stores the first vehicle information group in the driving record storage unit 144 when the first vehicle information group is generated.

Subsequently, when 10 minutes have elapsed since the completion of the creation of the first vehicle information group, that is, when 20 minutes have elapsed from the driving time, the driving information control unit 146 generates 10 minutes from the completion of the creation of the first vehicle information group. After generating the second vehicle information group including the plurality of vehicle information, the second vehicle information group stored in the RAM 118 is stored in the driving record storage unit 144.

In addition, when 10 minutes have elapsed since the completion of the generation of the second vehicle information group, the driving information control unit 146 includes a plurality of vehicle information generated for 10 minutes from the completion of creation of the second vehicle information group. Create a vehicle information group. At this time, since the preset number of generations is limited to two, the number of generations exceeds the number of generations.

Accordingly, the driving information control unit 146 may generate the vehicle state information generated after the completion of the generation of the second vehicle information group at the position where the first vehicle information group generated first among the stored vehicle information groups of the RAM 118 is stored. Save it. That is, the first vehicle information group stored in the RAM 118 is deleted, and the newly created third vehicle information group is stored. The driving information control unit 146 stores the third vehicle information group in the driving record storage unit 144. In this case, since the third vehicle information group is stored in a location where the first vehicle information group is stored in the storage space of the driving record storage unit 144 as in the RAM 118, the first vehicle information group is deleted.

Therefore, the minimum storage space required for storing the black box information is the product of the total data length of the vehicle information group and the generation number. For example, assuming that the data length of the vehicle information group is as shown in Table 1, and that the generation time unit is 10 minutes and the generation number is two, the storage space required for storing the black box information is (4 * 600 + 10) * 2, so 4820 bytes are required.

The process of generating and storing the vehicle state information is repeated until the power of the vehicle navigation apparatus 1100 is turned off, and the storage space required for storing the black box information is set by setting the generation time unit and the generation number. The dose can be minimized.

The vehicle state information included in the vehicle information group is vehicle signal information generated based on the location information of the current position generated based on the GPS signal and the azimuth information and various signals of the vehicle received from the vehicle signal unit 2000. It includes.

The vehicle signal information includes engine revolutions (RPM) information indicating an output amount of the vehicle engine, gear shift information indicating gear conversion information of the vehicle, and an on / off state of the direction indicator of the vehicle. Direction indicator information indicating a, brake signal information indicating whether the brake of the vehicle is operated, and vehicle speed information indicating acceleration / deceleration with respect to the speed of the vehicle.

The data format of the vehicle state information according to the present invention is shown in Table 2 below.

number Item Data length Remarks One GPS X Coordinate Increment / Decrement 1 bit Longitude coordinate information of the current position 2 GPS X coordinate position change 7 bits Longitude coordinate information of the current position 3 GPS Y coordinate increase / decrease 1 bit Latitude coordinate information of the current location 4 GPS Y coordinate position change 7 bits Latitude coordinate information of the current location 5 RPM increase / decrease 1 bit 6 RPM variation 4 bits 7 Gear shift conversion 3 bits 8 Turn signal on / off 2 bits 9 Brake signal on / off 1 bit 10 Acceleration / Deceleration 1 bit 11 Acceleration signal variation 4 bits

Referring to Table 2, the location information indicates a GPS coordinate value for the current location generated based on the GPS signal, and includes GPS coordinate increase / decrease information and coordinate change value information. The GPS coordinate increase / decrease information indicates whether the GPS coordinate value corresponding to the current position is increased or decreased based on the GPS coordinate information of the vehicle information group, and the coordinate change value information indicates the GPS of the vehicle information group. It indicates the degree of difference between the coordinate information and the GPS coordinates of the current position. Further, the RPM information and the vehicle speed information are compared with the vehicle state information generated first among the plurality of vehicle state information of the vehicle information group including the vehicle state information, and whether the increase or decrease is increased or decreased. The difference value accordingly is shown.

Meanwhile, the driving record information stored in the driving record storage unit 144 is generated when a driving record event indicating a violation of safe driving such as sudden deceleration, rapid acceleration, sudden stop, and overspeed occurs while driving. Event occurrence information indicating information on an event and daily driving information for storing a driving record of the vehicle on a daily basis.

An example of the data format of the event occurrence information is shown in Table 3 below.

Item Data length Assignment Remarks Event type 2 bytes 0 ~ 2 0: Speed 1: Rapid deceleration 2: Rapid acceleration month 1-12 Month of the date that the driving record event occurred Work 1-31 Day of the date when the drive record event occurred time 0-23 The time when the driving record event occurred Grid number 2 bytes 0 ~ 363863 Grid map coordinates corresponding to current location Tokyo coordinates 4 bytes 0-1125 Longitude coordinates in the grid corresponding to the current position North latitude 0-750 Latitude coordinates in grid corresponding to the current position Vehicle speed 0-255 Current vehicle speed Speed difference 0-7 Actual speed difference divided by 5

Referring to Table 3, the event occurrence information indicates event type information indicating the type of the driving record event that has occurred, an event occurrence date indicating the day on which the driving record event occurs, and a current time when the driving record event has occurred. The latitude and longitude coordinate values corresponding to the current position generated on the basis of the occurrence time, the grid number information of the grid map corresponding to the current position at which the driving record event occurred, the GPS signal, and the azimuth information are included in the grid corresponding to the current position A grid coordinate value of the current position, vehicle speed information indicating the speed of the vehicle at the time of the driving record event occurrence, and speed difference information indicating a difference between the vehicle speed and the speed limit of the road on which the vehicle travels. .

The daily driving information is information indicating a driving result of the vehicle on a daily basis, and includes a driving date indicating a driving date, a driving distance, a driving time, and the number of driving record events generated during the driving day. Table 4 below shows an example of a data format of the daily driving information.

Item Data length Assignment Remarks Year of driving 2 bytes 0-127 Driving date information Odometer 1-12 Driving date information Driving days 1-31 Driving date information Total time of event occurrence 1 byte 0-255 Total time of daily driving record event Max event distance 1 byte 0-255 Total distance of daily driving record event distance driven 2 bytes 0-65535 Total daily mileage Driving time 2 bytes 0-1440 Total daily driving time Occurrence of driving record event 0-31 Number of daily driving event events

Referring to Table 4, the daily driving information is information indicating a daily driving result of the vehicle, it is possible to grasp the frequency of the driving record event generated in the daily driving compared to the daily driving time and the daily driving time.

On the other hand, the screen display unit 150 converts and displays the map data and the incident information input via the central processing unit 116 into a map image, and displays the current position of the vehicle on the map data. In this case, the screen display unit 150 may be implemented through various display devices. For example, the screen display unit 150 may be implemented through various flat panel display devices such as a liquid crystal display, a plasma display device, and an organic EL display device. By further providing a touch screen to the device, the user may be able to facilitate key manipulation.

The voice signal processor 152 outputs a voice signal input through the wireless communication terminal 1300 to the speaker 1400, and outputs a voice signal provided from the microphone 1500 to the wireless communication terminal 1300 or the central processing unit 116. To provide. In particular, since a bi-directional transmission and reception of a voice signal is possible through connection with the wireless communication terminal 1300, a hands-free function may be implemented through the speaker 1400 and the microphone 1500 provided without a separate hands-free set. Of course, the drawing shows that the wireless communication terminal 1300 is provided separately from the vehicle navigation apparatus 1100, but may be implemented by embedding a wireless communication terminal chip such as a CDMA chip for RF transmission and reception in the vehicle navigation apparatus 11100. There will be.

The speaker 1400 outputs a warning message to warn of a path guide broadcast according to a driving direction of the vehicle or a hazard located at an intersection or a bottleneck section of a road or in a moving direction of the vehicle. Here, the speaker 1400 may use a speaker that is already provided in the vehicle, or may be provided separately from the speaker.

In the above, the internal structure of the navigation unit has been separated and described, but this is not separated by hardware, but logically separated by each function.

As described above, the driving information system 1000 according to the present invention uses the black box information generated based on the vehicle signals provided from various sensors embedded in the vehicle to determine the vehicle at the time of an accident such as a traffic accident. Accurately understand the status, it is easy to determine the authenticity of the accident.

In addition, since the driver's driving habit tendency may be grasped through the driving information left on the basis of the driving behavior that violates the safe driving during driving, the driver's correct driving habit may be induced.

FIG. 2 is a diagram for describing a grid map applied to the vehicle navigation apparatus shown in FIG. 1.

Referring to FIG. 2, a grid map format applied to the vehicle navigation apparatus 1100 divides the whole country into equal grids having a predetermined size and assigns a number to each grid, and coordinate information corresponding to map data is stored in the grid. Each number is given using a number and latitude / longitude coordinates.

More specifically, the national longitude range is 126 degrees to 130 degrees east longitude, and latitude ranges from 33 degrees to 39 degrees. This is divided into 112.5 seconds horizontal and 75 seconds vertical to separate a plurality of grids. Thus, one grating has 112.5 seconds * 75 seconds in size.

Dividing the whole country by the lattice unit, there are 128 in the longitudinal direction or transverse direction, and 288 in the latitude direction or vertical direction. Therefore, the total number of grids to represent the whole country is 36864.

A plurality of grids constituting the grid map has a grid number for distinguishing each grid. The grid number is a number uniquely assigned to each grid, and FIG. 2 shows an example in which the grid number is assigned based on 124 degrees east long and 33 degrees north latitude.

In addition, the grid may be used to represent a grid coordinate value for a specific position, wherein the grid coordinate value represents a coordinate value of the specific position in the grid corresponding to the specific position. That is, the latitude and longitude coordinate values in the lattice corresponding to the specific position are shown, not actual latitude and longitude coordinates of the specific position. For example, if the corresponding coordinate value of the current position is grid number 0, longitude 1134 degrees, and latitude 667 degrees, grid number 0 is located at 136 degrees latitude and 33 degrees longitude, and the longitude range of one grid is 0 to 112.5 seconds. Since the latitude ranges from 0 to 75 seconds, the actual coordinate values corresponding to the current position are 136 degrees 2 minutes 43.4 seconds longitude and 33 degrees 0 minutes 56.7 seconds longitude.

The data length required for displaying the grid coordinate value is 6 bytes since the grid number has 2 bytes, the latitude coordinate value in the grid has 2 bytes, and the longitude coordinate value in the grid has 2 bytes. However, in general, when the actual coordinate value is displayed, the required data length is 8 bytes since the longitude coordinate value is 4 bytes and the latitude coordinate value is 4 bytes. Therefore, the grid coordinate value according to the present invention can save 2 bytes than the conventional method of storing the actual coordinate value as the storage space required for storing one coordinate value.

When storing the coordinate value corresponding to the current position in the event occurrence information, the storage space required for storing the event occurrence information can be reduced as much as possible by using the grid coordinate value.

FIG. 3 is a diagram for describing a structure of map data stored in the map data storage shown in FIG. 1.

Referring to FIG. 3, the map data storage unit 130 stores information on a specific location corresponding to the electronic numerical map by using the grid map shown in FIG. 2.

More specifically, FIG. 3 illustrates a data format of the map data storage unit 130 for storing the point of interest information and guide information corresponding to the electronic numerical map, and the data format of the map data storage unit 130. 136 stores the point of interest information and the guide information for each target region which divided the whole country into predetermined regions by arbitrary criteria.

The data format 136 may include a header 362 indicating a location of the point of interest information and the guide information corresponding to the target area, a grid management table corresponding to the target area, and the interest corresponding to the target area. A main data unit storing point information, an additional data unit 368 storing the guide information corresponding to the target area, and other information optionally added in addition to the prestored point of interest information and the guide information corresponding to the target area; It includes an extended data unit 370 for storing.

The header unit 362 stores an address in which the grid management table 364, the main data unit 366, the additional data unit 368, and the extended data unit 370 corresponding to each target area are stored. Table 5 below shows an example of information included in the header portion 362.

Item Data length Offset address (offset address) Remarks Target area coordinates 16 bytes 0 The number of grids in the target area 4 bytes 16 Grid Management Table Address 4 bytes 20 Primary data plane start address 4 bytes 24 Sub data section start address 4 bytes 28 Extended data part start address 4 bytes 32

Referring to Table 5, the header part 362 includes target area coordinate information indicating a coordinate value of the target area for indicating the range of the target area, and a grid number of the target area indicating the number of grids included in the target area. Address information of a grid management table storing a location where data of a grid corresponding to the target area is stored; a main data unit 366 and an additional data unit 368 and an extended data unit 370 corresponding to the target area; Each start address information is included. In this case, the offset address indicates a location of information included in the header part 362 in the header part 362, and the location of each information is stored using the offset address.

By referring to the information stored in the header 362, the location of interest, guide information, and additional information corresponding to the target area may be identified to extract the corresponding information.

The grid management table stores an offset address corresponding to each grid. The entire lattice is 124 to 128 degrees east long, 33 to 39 degrees north latitude, so the total lattice size is 4 ° x 6 °. In this case, the reference coordinate is 124 degrees east longitude and 33 degrees north latitude, and the grid management table stores grid cumulative number information indicating a cumulative number of grids from the reference coordinate to the corresponding grid.

For example, when the guide information corresponding to the current location is extracted using the data format of the map data storage unit 130, the central processing unit 116 of the vehicle navigation apparatus 1100 first corresponds to the current location. Calculate the grid and the surrounding grid. At this time, since the order and size of the grids are uniform, the difference obtained by subtracting the reference coordinates from the current coordinates can be easily obtained by dividing the number of grids in the horizontal and vertical directions. To obtain the location where data corresponding to the grid is stored in the map data storage unit 130, the address of the grid management table is extracted with reference to the header part 362, and then the data up to the grid is referred to the grid management table. Read the cumulative number and the cumulative number of the previous grid. When the additional data corresponding to the current position is checked to be correlated by comparing the direction of travel of the vehicle with the direction recorded in the data, using the additional data corresponding to the preset reference distance from the current position, the additional data is checked. Output to the screen or voice output.

4 is a diagram for describing the vehicle signal unit illustrated in FIG. 1.

Referring to FIG. 4, the vehicle signal unit 2000 is connected to the driving information system 1000 and provides various signals of the vehicle to the driving information system 1000. Sensors.

In more detail, the vehicle signal unit 2000 may include a main sensor unit 2200 for generating a vehicle signal required for engine control according to a driver's operation, a main for controlling the engine according to signals provided from various sensors and switches in the vehicle. Electronic Control Unit (ECU), Anti-Lock Brake System (ABS) ECU, Wheel Speed Sensor, Electronic Traction System (ETS) ECU and Gear Transmission (2700) Include.

In more detail, the main sensor unit 2200 may include a steering angle sensor 2210, a speed sensor 2220, a throttle position sensor (TPS), a brake switch 2240, and the like. Electronic Control Suspension (ECS) indicators are included.

In detail, the steering angle sensor 2210 generates and provides a steering angle signal indicating a steering angle degree at which the spindle of the steering wheel rotates when the vehicle converts a direction currently in progress, and provides the steering angle signal to the main ECU 2300.

The vehicle speed sensor 2220 converts the gear rotation of the trans accelerator into a pulse signal and provides it to the main ECU 2300 to indicate the current traveling speed of the vehicle. At this time, the main ECU 2300 adjusts the idling speed of the vehicle based on the pulse signal received from the vehicle speed sensor 2220.

The TPS 2230 provides a signal to the main ECU 2300 indicative of idle, acceleration, deceleration, and overall load conditions of the vehicle, and the rapid deceleration and rapid acceleration of the vehicle based on the signal provided by the TPS 2230. Can determine if and how much.

The brake switch 2240 generates a signal indicating whether the vehicle brake is operated by the driver's operation and provides the signal to the main ECU 2300, and the main ECU 2300 uses the signal provided from the brake switch 2240. To determine whether the brakes are operating.

The ECS indicator 2250 is for informing the driver of an error when a vehicle is detected in ECS, which is a device in which characteristics of the suspension system are automatically controlled according to road conditions and driving conditions. The indicating signal is provided to the main ECU 2300.

Meanwhile, the main ECU 2300 detects the state of the vehicle by using various vehicle signals provided from the main sensor unit 2200, the ABS ECU 2400, and the ETS ECU 2600 to feed back the engine output or the exhaust gas of the vehicle. Alternatively, the ignition is controlled, and the vehicle signals are provided to the driving information system 1000.

ABS ECU 2400 detects the slip phenomenon of wheels generated during braking on slippery roads such as sudden braking, snowy roads, and rain, and adjusts the brake hydraulic pressure to prevent slippage due to locking of the wheels. Adjust securing, shortening of braking distance. That is, the ABS ECU 2400 checks the slip state of the wheel by calculating the acceleration / deceleration for each wheel of the vehicle based on the signal provided from the wheel speed sensor 2500, and the vehicle speed is 10 km / m after starting the engine. Before reaching h, the vehicle speed sensor 2220 is checked for abnormality to adjust the hydraulic pressure of the brake. By the signal provided from the ABS ECU 2400, the main ECU 2300 may check whether the ABS is operating due to the rapid deceleration of the vehicle.

The wheel speed sensor 2500 detects the speed of each wheel embedded in the vehicle and provides the speed information of the wheel to the ABS ECU 2400. The wheel speed sensor 2500 includes a magnet and a coil, and the principle of the compact generator. Use to sense the speed of the wheel through the voltage and amplitude.

The ETS ECU 2600 receives the speed information of the vehicle provided from the vehicle speed sensor 2220 from the main ECU 2600 and controls a door lock that locks or releases the door of the vehicle based on the speed of the vehicle. That is, the ETS ECU 2600 automatically locks the door lock when the speed of the vehicle exceeds a predetermined predetermined speed, and in some cases, locks the door lock when an accident occurs such as the vehicle colliding. Control to release. The ETS ECU 2600 generates and provides the door lock control signal to the main ECU 2300, and the main ECU 2300 may grasp the state of the door lock through the door lock control signal.

As described above, the driving information system 1000 may determine the state of the vehicle using various signals of the vehicle provided from the vehicle signal unit 2000, and thus, from the vehicle signal unit 2000 when an accident such as a traffic accident occurs. Through the vehicle signal provided, it is possible to accurately grasp the situation at the time of the accident, and determine whether there is a malfunction of a specific device of the vehicle at the time of the accident.

In the above, the internal configuration of the vehicle signal unit 2000 has been separated and described, but this is not separated by hardware, but logically separated by each function.

5 is a view for explaining a driving information system according to another embodiment of the present invention.

Referring to FIG. 5, the driving information system 1000b according to another embodiment of the present invention is a combination of a vehicle TV and a card unit for generating driving information. The driving information system 1000a of FIG. Components having the same function as the elements are denoted by the reference numerals and the description thereof is omitted.

The driving information system 1000b includes a GPS antenna 1200, a wireless communication terminal 1300, a speaker 1400, a microphone 1500, a key input unit 1600, a card service unit 1800, a TV unit 1900, and a TV. An antenna 1910.

More specifically, the card service unit 1800 calculates the current position of the vehicle and generates driving information. The GPS service unit 112, the gyro sensor 114, the card access unit 122, the driving information unit 140, The voice signal processor 152, a data storage unit 810, and a central processor 820 are included.

In operation, the GPS receiver 112 calculates the current position of the vehicle from the GPS positioning signal received through the GPS antenna 1200, and provides the vehicle from the vehicle signal interface 142 and the azimuth information provided from the gyro sensor 114. The error of the GPS positioning signal is corrected based on the vehicle speed information.

The central processing unit 820 extracts map data corresponding to the corrected GPS location information from the data storage unit 810 storing the map data and the additional data, and then displays the corrected GPS location information and the extracted map data on the TV. Transmit to unit 1900.

The TV unit 1900 displays the received map data and displays GPS positioning information indicating the current position of the vehicle on the displayed map data.

In addition, the central processing unit 820 stores the driving record information generated by the driving information unit 140 in a credit card accessed by the card access unit 122, or stores the driving record information using the wireless communication terminal 1300. send.

Meanwhile, the TV unit 1900 receives a TV signal provided from a broadcasting transmitting station (not shown) that provides a broadcast image via the TV antenna 1910, displays an image corresponding to the TV signal, and displays a card service unit ( The map data and the GPS location information received from the 1800 are displayed.

In detail, the TV unit 1900 includes a TV tuner 910, a video memory 920, a TV controller 930, an image processor 940, and a display 950.

The TV tuner unit 910 receiving the TV signal from the connected TV antenna 1910 receives a channel change command according to the driver's operation from the key input unit 1600 and transmits a channel to a TV broadcast channel corresponding to the channel change command. Convert. In addition, the TV tuner 910 generates an image signal corresponding to the TV broadcast channel using the TV signal received from the TV antenna 1910, and generates an image signal 940 by the control signal of the TV controller 930. To provide.

The video memory unit 920 has a RAM for writing pixel data and a serial access memory for outputting data to a display device, and is an image processing storage device that allows data to be exchanged between each memory. ) Stores pixel data corresponding to the video signal.

The TV controller 930 controls data flow between the TV tuner 910, the video memory 920, and the image processor 940, and is connected to the card service unit 1800 and received from the card service unit 1800. Is stored in the video memory 920 and then provided to the image processor 940. In addition, the audio signal corresponding to the video signal is received from the TV tuner unit 910 and provided to the card service unit 1800, and the card service unit 1800 outputs the audio signal using the connected speaker 1400. do.

The image signal processing unit 940 converts the pixel data provided from the video memory 920 or the map data and GPS positioning information provided from the card service unit 1800 into an image under the control of the TV controller 930 and displays the converted image. Provided at 950.

The screen display unit 950 displays an image provided from the image signal processor 940. The screen display unit 950 may be implemented through various display devices. For example, the screen display unit 950 may be implemented through various flat panel display devices such as a liquid crystal display, a plasma display, and an organic EL display. By assigning a screen, the user may be able to facilitate key operation.

As described above, the driving information system 1000b according to the present invention combines a card service unit 1800 for generating driving information with a vehicle TV mounted on a vehicle, and the card service unit even in an existing vehicle having only a vehicle TV. The addition of 1800 may generate driving information.

Therefore, since the state of the vehicle at the time of the occurrence of an accident, such as a traffic accident, can be accurately identified through the driving information generated based on the vehicle signals provided from various sensors embedded in the vehicle, it is easy to determine the authenticity of the accident.

In addition, since the driver's driving habit tendency may be grasped through the driving information left on the basis of the driving behavior that violates the safe driving during driving, the driver's correct driving habit may be induced.

In the above, the internal structure of the driving information system 1000b has been separated and described. However, the internal structure of the driving information system 1000b is not separated by hardware, but logically separated by each function.

6 is a view for explaining a driving tendency analysis system according to an embodiment of the present invention.

Referring to FIG. 6, the driving tendency analysis system according to the present invention includes a driving information system 1000, a user terminal 3000, a driving tendency analyzing apparatus 4000, a credit card company system group 5000, and an insurance company system group 6000. ).

In more detail, as shown in FIG. 1, the driving information system 1000 according to the present invention is mounted on a vehicle and displays a current position of the vehicle based on a GPS signal received from the GPS satellite 100. The apparatus 1100 and the base station 200 and the wireless communication terminal 1300 for transmitting and receiving data using the wireless communication network 300. The driving information system 1000 may generate the driving information indicating the state of the vehicle according to the operation of the driver of the vehicle while driving, store the driving information in the credit card as the credit card is accessed, and store the credit information. Extract the data stored on the card. In FIG. 6, the vehicle navigation apparatus 1100 is connected to a wireless communication terminal 1300 that provides a wireless communication service, and transmits and receives data using the wireless communication network 300. However, the CDMA is applied to the vehicle navigation apparatus 1100. A device supporting a wireless communication protocol such as a chip may be embedded to perform a function similar to that of the wireless communication terminal 1300.

The user terminal 3000 has a built-in communication protocol, is connected to the Internet 400, transmits and receives data with the terminal connected to the Internet 400, extracts the driving information stored in the credit card as the credit card is accessed; Store the data on the credit card. In general, the user terminal 3000 has a built-in card unit capable of inputting and outputting data from the credit card in a general computer.

The driving tendency analyzing apparatus 4000 analyzes the driving tendency of the driver based on the driving information received from the driving information system 2000 or the user terminal 3000 via the wireless communication network 300, and the driver performs safe driving. Generates operation information to check whether or not compliance is observed. The driving tendency analysis apparatus 4000 transmits the driving information to the credit card company system group 5000 or the insurance company system group 6000 via the wireless communication network 300 and the Internet 400. In FIG. 6, although the driving tendency analyzing apparatus 4000 is connected to the wireless communication network 300 and transmits and receives data with the terminal connected to the Internet 400 through the wireless communication network 300, the driving tendency analyzing apparatus 4000 is illustrated. Is directly connected to the Internet 400 may transmit and receive data with the terminal connected to the Internet 400.

Credit card company system group 5000 includes a plurality of credit card company system (5100, 5200, ..., 5N00), each credit card company system is connected to the Internet 400, driving information system 1000 and the user terminal And transmit and receive data, and receive and store the driving information from the driving tendency analyzing apparatus 4000. In addition, each credit card company system manages information on a plurality of credit card users, and provides a credit service for later charging the goods after paying for the goods purchased by the credit card users.

Insurance company system group 6000 includes a plurality of insurance company systems (6100, 6200, ..., 6N00), each insurance company system is connected to the Internet 400, driving information system 1000, user terminal Data is transmitted and received with the 3000 and the driving tendency analyzing apparatus 4000. In addition, the insurance company system sets insurance rates for a plurality of insured subscribers based on the driving information received from the driving tendency analyzing apparatus 4000 and provides insurance services based thereon.

FIG. 7 is a diagram for describing a driving tendency analysis method using the driving tendency analysis system illustrated in FIG. 6.

Referring to FIG. 7, the driving information system 1000c generates the driving record information according to a driving record event generated by a driver's vehicle operation and stores the driving record information in the built-in driving record storage unit 144 (step S10). ). In this case, the driving record information may be stored in the credit card each time it is generated, or the driving record information generated for a predetermined period in the driving record storage unit 144 may be collectively stored in the credit card.

Subsequently, the driving information system 1000c extracts the driving record information from the driving record storage unit 144 or the credit card (step S12), and then requests a driving information registration request including the driving record information and the card basic information. It transmits to the driving tendency analysis apparatus 4000 via the wireless communication network 300 (step S14).

The driving tendency analyzing apparatus 4000 extracts and stores driving record information from the driving information registration request after performing user authentication using the received driving information registration request (step S16).

Subsequently, the driving tendency analyzing apparatus 4000 generates and stores driving information indicating the driving tendency of the driver, such as the speed of the driver or the degree of safety driving compliance, based on the driving record information corresponding to the driver (step S18). ).

Subsequently, the driving tendency analyzing apparatus 4000 extracts the stored driving information (step S20) and transmits the driving information to the credit card company system 5100 via the wireless communication network 300 and the Internet 400 (step S22). ).

The credit card company system 5100 stores the received driving information (step S24) and transmits the driving information to the insurance company system 6100 via the Internet 400 (step S26).

The insurance company system 6100 applies the insurance rate for the driver based on the received driving information (step S28).

In FIG. 6, the driving information system 1000c collectively transmits the driving record information generated for a predetermined period of time to the driving tendency analyzing apparatus 4000, but the transmission of the driving record information is based on the driving record information. Whenever occurs, it may be transmitted to the driving tendency analysis device 4000. In addition, the driving record information may be transmitted at the request of the driving tendency analyzing apparatus 4000, and the driving record information may be transmitted to the driving tendency analyzing apparatus 4000 at a predetermined period.

In the driving tendency analysis method illustrated in FIG. 7, the driving tendency analysis apparatus 4000 operates based on the driving record information after transmitting driving record information generated by the driving information system 1000c to the driving tendency analyzing apparatus 4000. It is shown as generating information. However, since the driving tendency analyzing apparatus 4000 may be embedded in the credit card company system or the insurance company system, the credit card company system 5100 or the insurance company system 6100 receives the driving record information from the driving information system 1000c. The driving information may be generated.

In addition, the insurance company system 6100 may receive the driving information from the driving tendency analyzing apparatus 4000 without passing through the credit card company system 5100 and calculate the insurance rate of the corresponding driver based on the driving information.

As described above, the driving tendency analysis system according to the present invention measures the driver's safety driving compliance degree based on the driver's usual driving habits, and applies the insurance rate according to the safety driving compliance degree, thereby making the driver's driving safe. We can plan. Further, the driver's compliance with the safe driving can promote pedestrian safety on the road and induce smooth vehicle flow in bottlenecks.

FIG. 8 is a diagram for describing a user terminal illustrated in FIG. 6.

Referring to FIG. 8, the user terminal 3000 according to the present invention inserts a card service unit 3100 for accessing the credit card into a desktop computer or a notebook computer.

The user terminal 3000 accesses the credit card and uses a card service unit 3100 for inputting and outputting card information stored in the credit card and a main service unit for transmitting and receiving data and driving system software using the Internet 300 ( 3200).

In more detail, the card service unit 3100 includes a card access unit 3110 and a card controller 3120.

In operation, as the card access unit 3110 accesses the credit card, the card control unit 3120 performs card authentication to determine whether the credit card is a valid card. The card access unit 3110 provides a signal for controlling extraction of data stored in the card access unit 3110.

The card access unit 3110 extracts card information stored in the credit card according to a control signal of the card control unit 3120 and receives the data generated by the main service unit 3200 or via the Internet 300. The stored data on the credit card.

The main service unit 3200 manages data and user software stored using an operating program and drives the user software according to a user's request. The main service unit 3200 may include an input unit 3210, a central processing unit (CPU) 3220, RAM 3230, ROM 3240, output unit 3250, and communication unit 3260.

More specifically, the input unit 3210 inputs a command or data by a user's manipulation, and the RAM 3230 provides a memory for driving the user software and temporarily stores data generated by the user software driving. .

The central processing unit 3220 controls the data flow between the RAM 3230, the ROM 3240, and the communication unit 3260 by a command input through the input unit 3210, and transmits and receives data with the card service unit 3100.

The ROM 3240 stores data generated by driving the user software under the control of the central processing unit 3220.

The output unit 3250 is a display device that displays a result of driving the user software as an image under the control of the central processing unit 3220. For example, the output unit 3250 may be a liquid crystal display device, a plasma display device, or an organic EL display device. It can be implemented through a flat panel display device.

The communication unit 3260 has an Internet protocol built therein, is connected to the Internet 400 to support web service use, and transmits and receives data through the Internet 400.

In operation, the central processing unit 3220 extracts card information stored in the credit card as the card service unit 3100 accesses the credit card, and then performs card authentication for authenticating whether the credit card is a pre-certified card. do.

Subsequently, the central processing unit 3220 transmits a control signal for controlling the card information to be extracted from the credit card to the card control unit 3120 of the card service unit 3100 and receives the card information received from the card service unit 3100. From the driving record information is extracted.

The communication unit 3260 transmits the driving record information to the driving tendency analyzing apparatus 4000 via the Internet 400 according to a control signal of the central processing unit 3220.

As described above, the user terminal 3000 according to the present invention may extract the driving record information stored in the credit card and transmit it to the driving tendency analyzing apparatus 4000 using the Internet 400. Therefore, since the driving record information generated in the driving information system can be stored in the credit card and then transmitted to the driving tendency analyzing apparatus 4000 using the user terminal 3000, wireless communication using means is not installed in the driving information system. If so, the driving record information may be transmitted to the driving tendency analyzing apparatus 4000.

In addition, when the driver operates the driving information system to transmit the driving record information to the driving tendency analysis device 4000 while driving, this may cause a traffic accident, thereby reducing the burden on the driver and ensuring safety. We can drive.

In the above, the internal configuration of the user terminal 3000 has been separated and described. However, the internal configuration of the user terminal 3000 is not separated by hardware, but logically separated by each function.

FIG. 9 is a diagram for describing a driving tendency analyzing apparatus illustrated in FIG. 6.

Referring to FIG. 9, the driving tendency analyzing apparatus 4000 for analyzing a driving tendency of a driver according to the present invention includes a communication unit 4100, a client authentication unit 4200, a central control unit 4300, and a driving information generation unit 4400. ).

In more detail, the communication unit 4100 performs data transmission and reception with a terminal connected to the Internet 400 under the control of the central control unit 4300.

The client authentication unit 4200 determines whether the data received via the communication unit 4100 is data received from a pre-authenticated driver, and includes a customer authentication DB 4210 and an authentication server 4220.

Specifically, the customer authentication DB 4210 stores authentication information required for authenticating the driver, that is, the credit card user. In this case, the authentication information includes a driver's name, a credit card company name, a credit card number, a social security number, a phone number, an address, a password uniquely assigned to each user, and a user identifier. Here, the password may be a credit card password, or may be a separate password used in the driving record storage device 4000.

The authentication server 4220 may perform user authentication by referring to the customer authentication DB 4210 to determine whether the driving information registration request received through the communication unit 4100 via the Internet 400 is information received from an authorized driver. To perform. That is, after extracting the card basic information from the driving information registration request, it is referred to the driving record storage device 4000 to check whether there is authentication information that matches the card basic information.

The central controller 4300 extracts the driving record information from the driving information registration request previously authenticated by the client authenticator 4200, and then transmits the driving record information to the driving information generation unit 4400. The control unit 4100 provides a control signal to the communication unit 4100 to transmit the driving information generated by the 4400 using the Internet 400.

The driving information generator 4400 generates driving information indicating driving propensity for the driver based on the received driving record information. The driving information generating unit 4400 generates a driving information DB 4410, a driving tendency analyzing unit 4420, and a driving information DB 4430. ).

In detail, the driving information DB 4410 stores pre-certified driving record information and card basic information under the control of the driving tendency analyzer 4420.

The driving tendency analysis unit 4420 stores the driving record information in the driving information DB 4410, and based on the driving record information stored in the driving information DB 4410, the driving tendency analyzing unit 4420 may store driving information indicating a driving habit, that is, driving tendency of the driver. And the driving information and card basic information are stored in the driving information DB 4430.

The driving information is information indicating the degree of violation of the driver's safe driving rules based on the driving record information, and is generated based on the driver's speeding or deceleration number information, the emergency stop number information, the speed limit exceeding degree and the number information. .

In operation, the communication unit 4100 transmits the driving information registration request received from the driving information system 1000a or 1000b or the user terminal 3000 via the Internet 400 to the client authenticator 4200.

The authentication server 4220 of the client authentication unit 4200 extracts card basic information from the driving information registration request and then checks whether the driving information registration request is received from an authenticated user with reference to the customer authentication DB 4210. Do this.

The central control unit 4300 receives the pre-certified driving information registration request via the communication unit 4100 and transmits the received driving information registration request to the driving information generation unit 4400.

The driving tendency analyzer 4420 of the driving information generator 4400 extracts driving record information from the driving information registration request and stores the driving record information in the driving information DB 4410.

The driving tendency analysis unit 4420 generates driving information for each driver based on the driving record information stored in the driving information DB 4410 and stores the driving information for each driver in the driving information DB 4430.

The driving tendency analysis unit 4420 extracts driving information stored in the driving information DB 4430 according to a control signal of the central control unit 4300, and the central control unit 4300 uses the extracted driving information as a corresponding credit card company system 5100. , 5200, ..., 5N00) or insurance company system (6100, 6200, ..., 6N00). In this case, the driving information may transmit the driving information of the driver when a request is made from the credit card company system (5100, 5200, ..., 5N00) or insurance company system (6100, 6200, ..., 6N00). In addition, the driver's driving information may be extracted at predetermined intervals and transmitted to the credit card company systems 5100, 5200, ..., 5N00 or the insurance company systems 6100, 6200, ..., 6N00.

As described above, according to the driving tendency analysis apparatus 4000 according to the present invention, driving record information generated when a driver violates the safe driving rule is collected, and driving information is generated based on the driving record information. Therefore, since the driving information indicates the degree of compliance with the safe driving rules of the driver, the driving tendency of the driver may be grasped normally, and the driver may observe the safe driving.

In the above, the internal configuration of the driving tendency analyzing apparatus 4000 has been separated and described, but this is not separated by hardware, but logically separated by each function.

FIG. 10 is a view for explaining an example of a credit card company system to which the driving tendency analyzing apparatus shown in FIG. 9 is applied.

Referring to FIG. 10, the credit card company system 5300 according to the present invention includes a driving tendency analyzing apparatus 4000, and pays a driving tendency analyzing apparatus 4000 for generating driving information and an item price to a user. And a card service unit 5310 for providing a credit service for billing the article later.

In more detail, the driving tendency analyzing apparatus 4000 analyzes driving tendency for a user who uses a credit card issued by the credit card company, and is received from the driving information systems 1000a and 1000b or the user terminal 3000. Driving information is generated based on the driving record information. The operation information generated in this way is transmitted to the insurance company system (6100, 6200, ..., 6N00).

The card service unit 5310 includes a member authentication unit 530, a card approval service unit 540, a product management unit 550, and a central control unit 560.

Specifically, the member authentication unit 530 is for authenticating a user who uses a credit card issued by the credit card company, and includes a VAN connection unit 532, a member management DB 534, and a member information control unit 536. .

The VAN access unit 532 receives an authorization request for the credit card from the credit card merchant using a Value Added Network (VAN) and transmits the authorization result to the credit card merchant.

The member management DB 534 authenticates a user who is using a credit card issued by the credit card company and stores member information required for the card approval inquiry. In this case, the member information is the basic information of the card, the credit status information indicating the current user's credit status, such as the amount of the delinquent amount of the user's card, the performance information indicating the degree of use of the card, the amount used, the user's address and point total score, and the user's unique Password and user identifier information.

The member information control unit 536 performs the authentication for the credit inquiry request received from the VAN access unit 532 with reference to the member management DB 534 and transmits the authentication result to the central control unit 560.

On the other hand, the approval unit 540 performs the approval for the user's credit card previously authenticated by the member authentication unit 530, the product information DB 550 stores the information for each type of credit card provided by the credit card company do.

The central control unit 560 controls data transmission and reception of the member authentication unit 530, the approval unit 540, and the product information DB 550.

In operation, the member authentication unit 530 performs the authentication for the authorization request received from the terminal of the credit card merchant.

The central control unit 560 transmits the approval request previously authenticated by the member authentication unit 530 to the approval unit 540, and the approval unit 540 performs the approval of the approval request.

Subsequently, the central control unit 560 transmits the approval result to the terminal of the credit card affiliate store using the member authentication unit 530.

As described above, the credit card company system 5300 according to the present invention provides a credit service, collects driving record information of a user using a credit card issued by the credit card company to generate driving information to a specific insurance company system To provide this. Therefore, by using the credit card, the user can be provided with insurance benefits according to the credit service and safe driving, and can drive safe driving.

In addition, credit card companies can provide services for insurance benefits to users as well as credit services, thereby improving the attraction of credit card members.

In the above, the internal configuration of the credit card company system 5300 has been separated and described, but this is not separated by hardware, but logically separated by each function.

FIG. 11 is a view for explaining an example of an insurance company system to which the driving tendency analyzing apparatus shown in FIG. 9 is applied.

Referring to FIG. 11, the insurance company system 6300 according to the present invention analyzes the driving tendency of an insured subscriber who has subscribed to an insurance product of an insurance company, and applies insurance rates based on the driving tendency analysis device. And insurance service unit 6310.

In more detail, the driving tendency analyzing apparatus 4000 generates driving information based on driving record information received from the driving information systems 1000a and 1000b of the insurance subscriber or the user terminal 3000.

The insurance service unit 6310 calculates an insurance rate for each insured person based on driving information generated by the driving tendency analysis device 4000, and manages data necessary for providing insurance service, and includes a member management DB 630. The insurance management unit 640, the product information DB 650 and the central control unit 660.

In detail, the member management DB 630 stores information on personal information of the insured subscriber who has subscribed to the insurance company under the control of the central control unit 660, and includes subscriber name information, date of birth information, social security number information, and subscriber's information. Address information indicating a residential address, subscription product information indicating an insurance product subscribed to by the subscriber, and the like. In this case, the information stored in the member management DB 630 may be added, deleted, and corrected under the control of the central controller 660.

Insurance premium management unit 640 is a premium payment DB (642) that stores the details of the premium paid by the insured subscriber, the insurance payment DB (644) for managing the insurance payment status for the insurance product and insurance rates corresponding to the driving information It includes a charge management control unit 646 to calculate.

The fee management control unit 646 stores the monthly insurance details and insurance rates corresponding to the insured in the premium payment DB 642, and provides information on whether the insured is paid for the insurance product subscribed to the insured and the amount of insurance paid. To the insurance payment DB (644).

In addition, the charge management control unit 646 receives the driving information of the insurance subscriber generated by the driving tendency analysis device 4000 by the central control unit 660 to classify the class according to the driving information and according to the class Applying the insurance rate, Table 6 below shows an example of the insurance rate according to the driving information.

Rating Driving information Insurance rate (discount rate) Rapid deceleration / rapid acceleration Speed recovery Safety distance not secured A 0 0 0 40% B 4 or less 3 or less 5 or less 30% C below 10 7 or less 12 or less 25% D 18 or less 15 or less 18 or less 20% ... ... ... ... ...

Table 6 shows an example of classifying driving information items into the number of sudden decelerations / accelerations, the number of speeds, and the number of unsafe distances.Then, after classifying the classes, the discount rate of monthly insurance premiums corresponding to the classes is determined. In addition, all the criteria of the driving information must be satisfied so that the insurance rate can be applied. For example, if an insured person has a sudden reduction / deceleration rate of 0, an overspeed number of 1, and an unsecured distance of 6, the insured person's grade is C and the covered insurance rate is 25%. .

In Table 6 above, the grade was calculated based on the number of times the safety distance indicating the sudden deceleration / rapid acceleration, overspeed and sudden stop was not obtained, but the grade may be classified by applying the degree of overspeed, the rapid acceleration and the rapid deceleration, and the standard number It may also vary depending on the circumstances of the insurance company.

In addition, the insurance rate calculation is calculated based on driving information calculated on a monthly basis, but may be calculated and applied on a monthly or quarterly basis according to the circumstances of the insurance company, and the driving record information, which is the basis of the driving information generation, may be applied. It may vary depending on the collection period. This insurance rate may be applied to a specific insurance product subscribed to the insured, or all insurance products subscribed to the insurer according to the insurance company.

In operation, the charge management control unit 646 receives the driving information from the driving tendency analyzing apparatus 4000 via the central control unit 660 and calculates an insurance rate for each insurance subscriber.

The calculated insurance rate is then applied to the insurance rate of the insured subscriber stored in the premium payment DB 642.

Meanwhile, the product information DB 650 stores information about the insurance product of the insurance company.

As described above, the insurance company system 6300 according to the present invention applies the insurance rate based on the driving information of the insurance subscriber generated from the built-in driving tendency analysis device 4000, thereby promoting safe driving of the insurance subscriber. It can reduce the probability of traffic accidents and the frequency of traffic accidents. Therefore, the burden on the insurance company due to frequent traffic accidents can be reduced.

In the above, the internal structure of the insurance company system 6300 has been separated and described, but this is not separated by hardware, but logically separated by each function.

12 to 17 to be described below, the driving tendency analyzing apparatus 4000 is applied to a credit card company system as an example.

12 is a flowchart illustrating a driving information service process according to an exemplary embodiment of the present invention.

1, 5, and 12, first, the power supply of the driving information systems 1000a and 1000b is turned on (step S50), and a black box including a plurality of vehicle state information as described in FIG. 13 to be described later. The information is generated and stored (step S52). In this case, a time unit in which the black box information is generated may be arbitrarily set at the time of the user's manipulation or initial setting of the driving information systems 1000a and 1000b, and the black box information may be set to the power of the driving information systems 1000a and 1000b. Is generated until it is off.

Then, it is checked whether there is a command input by the user's key operation or voice (step S54), and when it is checked that the command input does not exist, it waits until there is a command input.

When it is checked in step S54 that the user command is input, it is checked whether the user command is a navigation processing request for requesting a navigation service (step S56).

If the user command is checked as a navigation processing request in step S56, the navigation process returns to step S54 after performing a navigation process for displaying the current position of the vehicle as described in FIG. 14 to be described later (step S58).

On the other hand, if it is checked in step S56 that the user command is not a navigation process request, it is checked whether the user command is a driving record information processing request requesting to generate driving record information according to a driving record event occurrence (step S60). ).

If it is checked in the step S60 that the driving record information processing request is performed, the driving record information processing is performed as described in FIGS. 15A and 15B described later (step S62) and the feedback is fed back to the step S54.

On the other hand, when it is checked in the step S60 that the driving record information processing is not requested, after checking whether the power of the driving information systems 1000a and 1000b is off (step S64), and if the power is checked off, the driving information system 1000a is checked. 1000b), and if it is checked that the power is on, the process returns to the step S54.

FIG. 13 is a flowchart for explaining a process of generating black box information shown in FIG. 12.

1, 5, and 13, first, the driving information systems 1000a and 1000b receive a vehicle signal from a vehicle signal unit 2000 built in a vehicle (step S522), and the vehicle is based on the vehicle signal. Status information is generated every 1 second (step S524).

Then, it is checked whether the time interval between the initial generation time point and the current time point of the vehicle state information generated in step S524 exceeds the preset generation time unit (step S528). In this case, the initial generation time of the vehicle state information indicates the generation time of the vehicle state information generated first in the vehicle information group to which the vehicle state information belongs, and the generation unit time is the initial time of the driving information systems 1000a and 1000b. It is set at the time of setting or by operation of the driver.

When it is checked in step S528 that the generation time unit is exceeded, it is checked whether the number of the vehicle information groups currently generated exceeds the preset generation number (step S528).

When it is checked that the number of vehicle information groups generated in step S528 exceeds the generated number, the vehicle information group generated after deleting the vehicle information group previously stored in the driving record storage unit 144 (step S532) is generated. Is stored in the driving record storage unit 144 (step S530), and fed back to the step S522.

On the other hand, if it is checked that the number of vehicle information groups generated in step S528 exceeds the generation number, a new vehicle information group including vehicle state information generated after the current time is generated (step S534). .

In step S532, if the current time point exceeds a preset generation time unit, and after checking in step S534 whether the driving information systems 1000a and 1000b are powered off (step S536), the power is turned on. If checked, the process returns to step S522.

On the other hand, when it is checked in step S536 that the driving information systems 1000a and 1000b are powered off, the vehicle state group previously stored in the driving record storage unit 144 is deleted, and the vehicle includes the generated vehicle state information. The information group is stored in the driving record storage unit 144 (step S538).

FIG. 14 is a flowchart for describing a navigation process of FIG. 12.

1, 5, and 14, first, a GPS signal is received from the GPS satellite 100, and the current position of the vehicle is calculated based on the received GPS signal (step S582).

Subsequently, after performing a differential GPS (DGPS) processing process (step S584), map data corresponding to the current location is extracted (step S586).

Subsequently, the extracted map data is displayed on the screen display unit 150 or the display unit 950 (step S588), the vehicle speed signal is extracted from the vehicle signal received from the vehicle signal unit 2000, and the vehicle speed signal is based on the vehicle speed signal. The movement distance is calculated (step S590).

Subsequently, the moving angle of the vehicle is calculated based on the gyro signal detected by the gyro sensor 114 (step S592), and the current position of the vehicle is corrected and displayed by map matching (step S594).

Subsequently, when it is checked that the driving direction and the direction recorded in the data are correlated, the additional data corresponding to the current position is extracted (step S596), and the voice guidance of the additional data is performed (step S598). .

FIG. 15 is a flowchart for explaining a process of processing driving record information shown in FIG. 12.

1, 5 and 15, it is checked whether a driving record event occurs while the vehicle is running (step S622), and if it is checked that the driving record event has occurred, driving record information is generated (step S624).

Subsequently, the driving record information is stored in the driving record storage unit 144 (step S626) and fed back to the step S622.

On the other hand, if it is checked in the step S622 that no driving record event has occurred, the card access unit 122 checks whether the credit card has been accessed (step S628).

If it is checked in step S622 that the credit card is inaccessible, a message for requesting the credit card access is displayed (step S630).

On the other hand, when the credit card access is checked in step S628, the credit card is authenticated (step S632), and it is checked whether the credit card is an authorized credit card using the authentication result (step S634). ).

If the credit card is checked as an unauthenticated credit card in step S634, an error message indicating that the credit card is not approved is displayed (step S636). It is checked whether there is a travel information extraction request for extracting travel information from the credit card by the operation (step S648).

If it is checked in the step S648 that the driving information extraction is not requested, the driving record information previously stored in the driving record storage unit 144 is extracted (step S640).

After checking whether there is a credit card storage request requesting to store the driving record information in the credit card (step S642), if the credit card storage request is checked to exist, the extracted driving record information is extracted. Save to the card (step S644).

On the other hand, if it is checked in the step S638 that the driving record information extraction request of the credit card and if the credit card is not stored in the step S642 is connected to the credit card company system 5300 (step S646).

Subsequently, the driving record information is transmitted to the web site of the credit card company via the Internet 400 (step S648), and the point score corresponding to the transmission of the driving record information is received from the credit card company system 5300. Store on the card (step S650).

In the above, the driving record information generated for a predetermined period of time is transmitted to the credit card company system 5300 by the driver's operation, but the driving record information may be transmitted at the request of the credit card company system 5300. . In addition, the driving record information may be periodically transmitted to the credit card company system 5300 every predetermined period.

16 is a flowchart illustrating an insurance service process of a credit card company system according to an exemplary embodiment of the present invention.

9, 10, and 16, first, the credit card company system 5300 registers driving information including the driving record information and the card basic information from the driving information system 1000a or 1000b or the user terminal 3000. Receive the request (step S100)

Subsequently, after extracting the card basic information from the driving information registration request, user authentication is performed using the card basic information (step S102).

Subsequently, it is checked whether the user is an authenticated user by using the result of the user authentication performed in step S102 (step S104), and if it is checked as an unauthenticated user, a message indicating that the user is an unauthenticated user is transmitted to the corresponding driving information system or the user terminal. (Step S106).

On the other hand, if it is checked in step S104 that the user is authenticated as a result of the user authentication, the driving record information is extracted from the driving information registration request, and then the driving record information is stored in the built-in driving information DB 4200 (step S104). S108).

The point score corresponding to the driving record information is then transmitted to the corresponding driving information systems 1000a and 1000b or the user terminal 3000 via the Internet 400 (step S110).

Subsequently, driving information is generated for each credit card user based on driving record information previously stored in the driving information DB 4200 (step S112), and the driving information is stored in the built-in driving information DB 4430 (step S114). . In this case, the driving information is generated for each predetermined period.

Subsequently, driving information of the credit card user who subscribes to the insurance product of the insurance company is extracted for each insurance company associated with the credit card company (step S116).

Subsequently, the driving information is transmitted to the corresponding insurance company system 5100, 5200, ..., 5N00 via the Internet 400 (step S118).

17 is a flowchart illustrating an insurance service process of an insurance company system according to an exemplary embodiment of the present invention.

11 and 17, the credit card company system 5300 receives operation information corresponding to an insurance subscriber who has subscribed to an insurance product of a corresponding insurance company via the Internet 400 (step S130).

Subsequently, after performing the credit card company authentication for checking whether the driving information is received from the authorized credit card company system (step S132), it is checked whether it is the driving information of the authenticated credit card company (step S134).

If it is checked in the step S134 that the driving information received from the non-certified credit card company, and transmits a message indicating that the non-certified credit card company to the corresponding credit card company system 5300 (step S136).

On the other hand, if it is checked that the driving information received from the credit card company authenticated in step S132 and stores the received driving information (step S138).

Next, the insurance rate corresponding to the pre-stored driving information for each insured person is calculated (step S140), and the insurance rate calculated for each insured person is stored, and the monthly premium according to the insurance rate is applied (step S142).

Although described above with reference to the embodiments, those skilled in the art can be variously modified and changed within the scope of the present invention without departing from the spirit and scope of the invention described in the claims below. I can understand.

As described above, according to the present invention, black box information indicating the state of the vehicle is generated on the basis of vehicle signals provided from various sensors embedded in the vehicle, and the black box information is used at the time of occurrence of an accident such as a traffic accident. Since the state of the vehicle can be accurately identified, it is easy to determine the authenticity of the accident.

In addition, since the driver's driving habit tendency may be grasped through the driving record information generated on the basis of the driving behavior that violates the safe driving during driving, the driver may induce the correct safe driving habit of the driver.

In addition, when a map corresponding to the current position of the vehicle is displayed, a grid map is displayed, and the coordinate value corresponding to the current position is also stored using the coordinate value of the grid map, thereby storing a storage space required for storing the coordinate values. Can be reduced.

The insurance company can induce the driver to drive safely based on such driving record information and measure the driver's safety driving compliance level, and apply the insurance rate according to the driver's safety driving compliance. This can lead to smooth vehicle flow in bottlenecks.

In addition, it is possible to reduce the incidence of traffic accidents due to safe driving compliance, thereby reducing the insurance burden of insurance companies due to frequent traffic accidents.

Claims (23)

A location information generator for generating location information corresponding to the current location of the vehicle based on the GPS signal; A vehicle signal interface unit receiving vehicle signals from various sensors of the vehicle; And A controller configured to generate vehicle state information indicating a current state of a vehicle and driving record information indicating a non-safe driving event based on the vehicle signal received from the vehicle signal interface unit and the position information received from the position information generator; Driving information storage device comprising a. The method of claim 1, A first memory for storing the vehicle state information and the driving record information; And a card unit for storing the driving record information stored in the first memory in the second memory in accordance with the access of the card having the second memory. The driving information of claim 2, further comprising a user terminal that extracts the driving record information stored in the second memory as the card is accessed, and transmits the driving record information to a terminal connected to a communication network. Device. The method of claim 1, And a map information storage unit for storing map data corresponding to the current location. 5. The driving information apparatus according to claim 4, wherein the map data has a lattice map format in the form of a grid, and has a grid coordinate value indicating a position in each grid. 6. The driving information apparatus according to claim 5, wherein the grid map format is numbered for each grid and has the grid number and the grid coordinate value corresponding to actual latitude and longitude coordinates. Generate position information indicating the current position of the vehicle based on the GPS signal, and vehicle state information indicating the current state of the vehicle and driving record information indicating the non-safe driving event based on the vehicle signals received from the various sensors of the vehicle. A card service unit which generates the data, extracts data stored in the memory as the card having the memory is accessed, and stores the driving record information in the memory; And And a vehicle TV unit that displays an image corresponding to the TV signal in response to receiving a TV signal, and displays the position information received from the card service unit. (a) receiving and storing a vehicle signal corresponding to the state of the vehicle from various sensors of the vehicle; (b) checking whether a safe driving non-compliance event occurs as the vehicle travels; and (c) generating driving record information corresponding to the safe driving non-compliance event based on the vehicle signal when it is checked in the step (b) that the safe driving non-compliance event has occurred. The method of claim 8, and (d) generating and storing vehicle state information indicating an operation state of a current vehicle based on the vehicle signal. The method of claim 9, wherein step (d) (d-1) generating the vehicle state information on the basis of the vehicle signal for each generation time unit of the position information indicating the current position of the vehicle; (d-2) It is checked whether a time difference from the time of generating first vehicle state information generated from the first vehicle state information to the present time in the vehicle information group including the vehicle state information exceeds the generation unit time of the vehicle information group. Doing; (d-3) When the time difference is checked in step (d-2) that exceeds the generation unit time of the vehicle information group, the number of generations of the currently generated vehicle information group is one vehicle storage command with one storage command. Checking whether the group exceeds the number of vehicle information storage units representing the number stored; And (d-4) storing the generated vehicle information group when the number of the generated vehicle information groups exceeds the number of the vehicle information storage units in the step (d-3). Characterized by the driving information generation method. The method of claim 8, (c) authenticating the card as the card with memory is accessed; And and (d) storing the driving record information in the card when the card is authenticated as a result of the card authentication in step (c). Mounted on a vehicle, indicating driving position information based on a GPS signal, generating driving record information indicating occurrence of a non-safe driving event, and storing the driving record information on the card as a card having a memory is accessed; Driving information device; And And a driving tendency analysis device for generating driving information indicating a driving tendency of the vehicle driver based on the driving record information received from the driving information device. The driving tendency analysis system of claim 12, wherein the driving information apparatus generates vehicle state information indicating a current state of a vehicle based on vehicle signals received from various sensors of the vehicle. The method of claim 12, wherein the driving tendency analysis device, A communication unit which transmits and receives data with a terminal connected to a communication network and receives the driving record information from the driving information device; And And a driving information generation unit generating the driving information corresponding to the vehicle driver using the driving record information received from the communication unit. The driving tendency analysis system according to claim 14, wherein the driving information includes rapid deceleration and rapid acceleration number information, sudden stop number information, speed limit exceeding speed and speed limit exceeding information during driving. . The method of claim 12, And an insurance service device for setting an insurance rate corresponding to the vehicle driver based on the driving information received from the driving tendency analyzing apparatus. 17. The system of claim 16, wherein the insurance rate classifies the class according to the driving information and sets a discount rate of the premium according to the class. The card service apparatus of claim 12, further comprising a card service device configured to receive and store the driving record information from the driving information device and to generate the driving information corresponding to the vehicle driver based on the driving record information. Driving propensity analysis system. The apparatus of claim 12, further comprising: a user terminal connected to a communication network to transmit / receive data with a terminal connected to the communication network, and extract the driving record information from a memory of the card as the card is accessed, and transmit the data to the driving tendency analyzing apparatus. Driving propensity analysis system further comprising. The vehicle is mounted on the vehicle, indicates the current position of the vehicle based on a GPS signal, and vehicle state information indicating the current state of the vehicle based on vehicle signals received from various sensors of the vehicle, and a driving record indicating occurrence of a non-safe driving event. A driving information device for generating information, storing the driving record information in the card as the card having the memory is accessed, and extracting data stored in the memory of the card; And An insurance service device for generating driving information indicating a driving tendency of the vehicle driver based on the driving record information received from the driving information device, and setting an insurance rate corresponding to the vehicle driver based on the driving information; Driving propensity analysis system. The method of claim 20, wherein the insurance service device, A communication unit which transmits and receives data with a terminal connected to a communication network and receives the driving record information from the driving information device; A driving information storage unit for receiving and storing the driving record information from the communication unit; A driving information generator for extracting the driving record information from the driving information storage to generate the driving information; A driving information storage unit for storing the driving information received from the driving information generator; And And a rate calculation unit for extracting driving information corresponding to the vehicle driver from the driving information storage unit and calculating an insurance rate corresponding to the driving information. (a) generating driving record information corresponding to the safety driving non-compliance event based on a vehicle signal provided from various sensors embedded in the vehicle when the safety driving non-compliance event occurs; And and (b) generating driving information indicating driving propensity for a driver of the vehicle based on the received driving record information. The method of claim 21, (c) calculating an insurance rate corresponding to the vehicle driver based on the driving information.