KR20110049394A - Service system for insurance inquiry and emergency conditions in vehicles and method thereof - Google Patents

Abstract

PURPOSE: An insurance inquiry/urgent situation service system and method thereof are provided to call an insurance company and medical organization by transmitting an urgent service when an urgent situation or an emergency situation occurred through a simple operation of a navigation device. CONSTITUTION: A navigation device(100) automatically senses an urgent situation of a car. The navigation transmits emergency call information or transmits the emergency situation information according to an operation of a user to a medical treatment center or an insurance company. If an emergency call or emergency situation information is received from the navigation device, an insurance company server(300) displays an emergency service situation by analyzing the received information. The insurance company server transmits an emergency service dispatch command message to a related service agent.

Description

Service system for insurance inquiry and emergency conditions in vehicles and method

The present invention relates to insurance inquiry and emergency services of the vehicle, and more particularly, it is possible to use the services provided by the insurance company (maintenance service, gasoline service, various additional services) inside the vehicle, and in case of an emergency insurance company (B) an insurance inquiry / emergency service system and a method of a vehicle in which an emergency situation is promptly delivered to a medical institution so that prompt action can be made.

Recently, most vehicles are equipped with navigation or mobile telematics (MIV) for driving directions and remote control of the car. Here, mobile telematics is a mobile telematics service device that can remotely control a car with a mobile phone.The mobile telematics service checks the abnormality and oil information of driving devices such as engines and brakes with a mobile phone, and monitors and controls various parts such as door trunks, headlights and tail lights, etc. can do. In addition, it is possible to link contents between mobile devices and automobiles through wireless networks (WCDMA, WLAN, Bluetooth, etc.), so that music and video stored in mobile phones can be played through car audio / video devices (A / V) without having to download them separately. Equipment.

The installed navigation performs only the directions and multimedia functions, and the mobile telematics also performs only functions for calculating position coordinates or remote control of the vehicle, receiving information related to an insurance company, or making emergency automatic calls or emergency situations when an emergency occurs. There was a drawback that no function could be performed to inform insurance companies or medical institutions.

In particular, in case of an emergency accident, in general, the insurance company is contacting the call center, and there is an inconvenience of notifying the waiting time and location separately.

Therefore, the present invention is proposed to solve the disadvantages of the navigation and MVI mounted on the existing vehicle as described above,

The problem to be solved by the present invention is to provide an insurance inquiry / emergency service system and a method for a vehicle that can use services (maintenance service, fueling service, various additional services) provided by the insurance company in the vehicle. have.

Another object of the present invention is to provide an insurance inquiry / emergency service system and method for a vehicle in which an emergency situation is promptly delivered to an insurance company or a medical institution when an emergency occurs so that rapid action can be made.

Another problem to be solved by the present invention is to automatically detect the occurrence of an emergency, and automatically send emergency information to the associated insurance company, so that the follow-up can be quickly made insurance inquiry / emergency services The present invention provides a system and a method thereof.

In order to solve the above problems, the "vehicle insurance inquiry / emergency service system" according to the present invention,

A navigation device mounted in the vehicle and automatically detecting an emergency situation of the vehicle and sending emergency call information, or sending emergency information to a medical institution or an insurance company according to a user's operation;

When the emergency call or emergency situation information sent from the navigation is received, the received information is analyzed and the emergency service situation is displayed on the screen, and an emergency service dispatch command message is transmitted to the associated service personnel according to a manager's operation command. Includes an insurance company server.

"Vehicle insurance inquiry / emergency services system" according to the present invention,

When the emergency situation information sent from the navigation is received, the medical institution terminal further analyzes the received information and displays the information on the emergency service situation on the screen so that the person in charge can check.

The navigation is,

It is characterized in that it comprises a mobile telematics for retrieving the vehicle position coordinates in real time in conjunction with the GPS module, and determines the emergency situation when the vehicle position coordinates are suddenly changed and provides emergency call information to the control unit.

The navigation is,

A function selection unit for selecting a function for transmitting an emergency situation to neighboring medical institutions and an insurance company, and for transmitting an emergency service call command to an associated insurance company;

And a display unit for displaying insurance related service information provided by the medical institution server on a screen.

The insurance company server,

Analyzing the emergency information sent from the navigation, in the case of the request for insurance service information, recognizes the customer and searches the information database to provide the navigation service information of the recognized customer to the navigation, and analyze the emergency information In case of an emergency service call, an emergency call message including vehicle location information is transmitted to a terminal of a service agent.

According to the present invention for solving the above problems "vehicle insurance inquiry / emergency service method",

In the method for providing insurance information and emergency information by using the insurance inquiry / emergency service system of a vehicle comprising a navigation system, a communication network, an insurance company server, and a medical institution terminal,

A vehicle information transmission step of generating vehicle information and transmitting the vehicle information to an insurance company server when insurance inquiry or an emergency occurs in the navigation, and displaying insurance related service information transmitted from the insurance company server on a screen;

The insurance company server analyzes the vehicle information when it receives the vehicle information, extracts the insurance service information of the customer and transmits the insurance service information to the navigation in case of an insurance request, and generates text information on the emergency service call history in case of an emergency. Emergency situation processing step of transmitting to the terminal of the service personnel.

The navigation is,

And transmits vehicle information including the car number, time information, customer contact information, and vehicle location information to the insurance company server.

Automatically detect whether the emergency situation through the mobile telematics, characterized in that the emergency call information is automatically transmitted to the insurance company server when the emergency situation is detected.

According to the present invention, there is an advantage that can call emergency services to insurance companies and medical institutions in the event of an emergency or emergency through the operation of the navigation.

In addition, according to the present invention by using the mobile telematics to transmit the position coordinates of the vehicle to the insurance company and medical institutions, there is an advantage to facilitate the rapid follow-up.

In addition, according to the present invention, there is an advantage of automatically detecting an emergency situation of a vehicle by using mobile telematics, and automatically providing emergency information to an insurance company or a medical institution.

In addition, according to the present invention, there is also an advantage that can easily check the insurance service-related matters subscribed to the inside of the vehicle.

Hereinafter, described in detail with reference to the accompanying drawings a preferred embodiment of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

1 is a configuration diagram of a "car insurance inquiry / emergency situation service system" according to the present invention, the navigation 100, communication network 200, insurance company server 300 and medical institution terminal 400.

The navigation apparatus 100 is mounted in a vehicle and automatically detects an emergency situation of a vehicle and sends emergency call information, or sends emergency information to a medical institution or an insurance company according to a user's operation. The navigation 100 is an additional function of automatically detecting an emergency situation and a function of sending an emergency situation according to a user's operation command, and providing location information in connection with a mobile telematics installed in an existing vehicle. Do it.

As shown in FIG. 2, the navigation apparatus 100 searches for vehicle location coordinates in real time in conjunction with a GPS module 150 that receives location information in association with GPS satellites, and the vehicle location coordinates are rapidly changed. The mobile telematics 140, which determines the emergency situation and provides emergency call information, selects a function for transmitting an emergency situation to neighboring medical institutions and an insurance company, and selects a peripheral medical institution button for transmitting an emergency service call command to an associated insurance company. A function selection unit 170 having an emergency service call button 172 and a display unit 160 displaying insurance related service information provided by the medical institution server 300 on a screen, and a communication unit 110 for communication. ), A memory 130 for storing information, and a controller 120 in charge of overall control of insurance inquiry or emergency situation.

The communication network 20 refers to an internet network / mobile communication network for connecting the navigation system 100, the insurance company server 300, and the medical institution terminal 400 to each other.

The insurance company server 300 analyzes the received information and displays the emergency service status on the screen when an emergency call or emergency situation information sent from the navigation 100 is received, and an associated service agent according to an operation command of an administrator. Send an emergency service dispatch command message to the user.

As shown in FIG. 3, the insurance company server 30 analyzes the emergency information sent from the communication module 310 and the navigation 100, and recognizes a customer when requesting insurance service information. Search and provide insurance service information of the recognized customer to the navigation, and analyze the emergency situation information to control to transmit an emergency call message including vehicle location information to a terminal of a service agent in case of an emergency service call; The control module 320, the customer management module 340 for storing and updating the information of registered customers, information for customer information and emergency services, information database 330 for storing insurance-related information, vehicle information transmitted from the navigation Call history recognition module 350 to analyze the insurance policy that provides insurance information subscribed by the customer at the request of the customer It includes the provision module 360, the emergency service message for SMS-based emergency service personnel and sent to transmission module 370 generates and transmits a (SMS).

When the medical institution terminal 400 receives the emergency information sent from the navigation 100, the medical institution terminal 400 performs the function of analyzing the received information and displaying the contents of the emergency service situation on the screen so that a person in charge can check the contents. Such a medical institution terminal 400 is provided in a hospital, etc., when an emergency message arrives from the navigation, it is displayed on the screen and generates an alarm signal such as an alarm. To cope.

The insurance inquiry / emergency situation service system of a vehicle according to the present invention configured as described above is an insurance subscriber requesting an insurance inquiry request for a vehicle accident or automatically or manually transmitting a vehicle accident situation to an associated insurance company and a medical institution. The server 300 and the medical institution terminal 400 is registered as a customer. Of course, it is natural to provide the necessary information for customer registration.

In the state where the customer registration is made, the customer drives his vehicle, and when the driving of the vehicle starts, the navigation 100 automatically detects the emergency situation of the vehicle and transmits an emergency service call to the insurance company server 300, or Upon request, insurance inquiry information or emergency information is transmitted to the insurance company server 300.

First, a method of automatically transmitting emergency situation information, the mobile telematics 140 of the navigation device 100 mounted on the vehicle retrieves the position coordinates of the vehicle in real time in conjunction with the GPS module 150. If the position coordinates are suddenly changed while searching for such position coordinates, it is determined by a vehicle accident or the like, and the current position coordinates and emergency information are generated and transmitted to the controller 120.

When the emergency information is transmitted, the controller 120 generates vehicle information including a registered vehicle number, time information, location coordinate information of the vehicle, customer information, and the like, in cooperation with the memory 130, and communicates with the communication network 200. The linked insurance company server 300 transmits.

When the vehicle information is received, the control module 320 of the insurance company server 300 extracts the customer information from the vehicle information and transmits the customer information to the customer management module 340, and the customer management module 340 transmits the information database 330. Search to see if you are a registered customer and what insurance services are available to you.

In the case of a registered customer, the call history recognition module 350 analyzes the vehicle information, displays the analyzed information on the screen, for example, a vehicle registration number, customer information, location information, and the like, and sends an SMS transmission module ( 370 generates text information for transmission to the emergency service personnel based on the above information, and transmits the text information to the terminal carried by the registered emergency service personnel. Emergency service personnel are dispatched to the scene promptly when receiving the text information, such that emergency services can be made. At this time, by confirming the location information for the emergency service personnel and providing text information to the emergency service personnel closest to the vehicle location, it is possible to perform the emergency service more efficiently.

On the other hand, when a user in a vehicle calls a peripheral medical institution or an insurance company through the function selecting unit 170 due to an emergency of the body, that is, the user has a peripheral medical institution button 171 provided in the function selecting unit 170. When pressing, the controller 120 recognizes this, acquires current location coordinate information by linking the mobile telematics 140, extracts customer information through the memory 130, and generates vehicle information to generate the communication network 200. The vehicle information is transmitted to the medical institution terminal 400 through. At this time, the mobile telematics 140 selects the medical institution closest to the vehicle location through interworking with the GPS module 150, and finds the information of the selected medical institution through the search of the wireless Internet, and provides the vehicle information to the corresponding medical institution terminal. It is desirable to transmit.

The medical institution terminal 400 analyzes the vehicle information when the vehicle information is transmitted from the navigation apparatus 100 and displays it on the screen, and generates an alarm signal such as an alarm so that the relevant person (doctor, nurse, manager) can quickly follow up. do. Here, the vehicle information displayed on the screen displays customer contact information and customer location information, so that the relevant person can quickly arrive at the site.

In addition, when a user in the vehicle inquires insurance information or presses an emergency service call button 172 when an emergency service is required, the controller 120 searches the memory 130 to display the contents of the emergency service on the display 160. In addition, an emergency fueling service, a towing service, an emergency check service, a tire display, etc. are displayed on the screen. Then, when the user selects any emergency service information by pressing a specific button, the insurance company server 300 generates vehicle information. To transmit. The vehicle information includes information such as customer contact information, customer vehicle number, customer information, accident location information, emergency service item, and the like.

The control module 320 of the insurance company server 300 analyzes the received vehicle information, checks whether the customer is registered in conjunction with the customer management module 340 in the case of insurance inquiry, insurance information providing module in the case of a registered customer In connection with 360, the insurance service related information of the customer registered in the information database 330 is extracted and provided to the navigation apparatus 100.

The insurance service information provided as described above is displayed on the display unit 160 under the control of the controller 120, thereby enabling the customer to check the insurance related service subscribed to by the customer.

In addition, the control module 320 analyzes the received vehicle information, in the case of emergency service call information, analyzes the emergency service items requested by the user in conjunction with the call history recognition module 350, and based on this SMS transmission module ( In step 370, a text message sent to the emergency service personnel is generated. The text message generated here includes a customer contact number, vehicle location information, necessary service item information, and the like.

The generated text message is transmitted to the terminal carried by the emergency service personnel closest to the vehicle location, and the emergency service personnel who receive the text message prepare the service equipment corresponding to the item requested for emergency service, and promptly dispatch to the site. It will perform the requested service.

As a result, customers can contact the insurance company in case of an emergency, inform them of the location information, and solve the inconvenience of explaining what services are needed. The inconvenience of having to wait for a call is eliminated.

4 is a flowchart showing a "car insurance inquiry / emergency situation service method" according to the present invention, if the insurance inquiry or emergency situation in the navigation to generate vehicle information to transmit to the insurance company server, the insurance company server Vehicle information transmission step (S101 ~ S107) (S109) for displaying insurance-related service information transmitted from the screen; The insurance company server analyzes the vehicle information when it receives the vehicle information, extracts the insurance service information of the customer and transmits the insurance service information to the navigation in case of an insurance request, and generates text information on the emergency service call history in case of an emergency. Emergency situation processing steps (S301 ~ S307) for transmitting to the terminal of the service personnel; The medical institution terminal 400 includes analyzing the vehicle information and taking follow-up measures (S401 to S403).

According to the present invention constituted as described above, the "insurance inquiry / emergency service method of a vehicle" in a state where an insurance subscriber for insurance inquiry or emergency service in case of an emergency is registered in the insurance company server 300 and the medical institution terminal 400, The navigation apparatus 100 checks whether the position coordinates of the vehicle are drastically changed, the emergency call is made by the customer, or the customer requests an insurance inquiry in step S101 and S103 in conjunction with the mobile telematics.

The vehicle information is generated according to the confirmation result, and the generated vehicle information is transmitted to the insurance company server 300 or the medical institution terminal 400 (S107 and S109). The vehicle information includes customer information, customer vehicle number, contact information, vehicle location information, service request item information, and the like.

When the vehicle information is transmitted to the medical institution terminal 400, the medical institution terminal 400 analyzes the vehicle information, displays it on the screen, and generates an alarm signal such as an alarm so that the relevant person can quickly recognize the emergency call. Then, follow-up measures are taken (S401 to S403).

When the vehicle information is delivered to the insurance company server 300, the insurance company server 300 analyzes the received vehicle information (S301), in the case of the insurance inquiry request, the customer stored in the information database extracts insurance-related information and the navigation It transmits to 100 (S303). As a result, the user can conveniently check the contents of the vehicle insurance he subscribed to using the navigation 100 in his vehicle.

In addition, in the case of an emergency service call as a result of analyzing the vehicle information, a text message for the emergency service call history is generated (S305), and the generated text message is transmitted to a terminal carried by the emergency service agent to make an emergency service agent emergency. To quickly recognize the situation (S307).

The text message generated here is transmitted to the terminal carried by the emergency service personnel closest to the vehicle location, and the emergency service personnel who receive the text message prepare the service equipment corresponding to the item requested for emergency service, and promptly dispatch to the site. It will perform the service requested by the customer.

As a result, customers can contact the insurance company in case of an emergency, inform them of the location information, and solve the inconvenience of explaining what services are needed. The inconvenience of having to wait for a call is eliminated.

The present invention is not limited to the above-described specific preferred embodiments, and various modifications can be made by any person having ordinary skill in the art without departing from the gist of the present invention claimed in the claims. Of course, such changes will fall within the scope of the claims.

1 is a block diagram of the insurance inquiry / emergency situation service system of a vehicle according to the present invention.

2 is a block diagram of an embodiment of the navigation of Figure 1;

3 is an embodiment configuration of the insurance company server of FIG.

Figure 4 is a flow chart showing the insurance inquiry / emergency situation service method of the vehicle according to the present invention.

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

100... Navigation

200... communications network

300... Insurance company server

400... Medical Institution Terminal

Claims (7)

In a system for requesting insurance service and emergency services from a vehicle and servicing them, A navigation device mounted in the vehicle and automatically detecting an emergency situation of the vehicle and sending emergency call information, or sending emergency information to a medical institution or an insurance company according to a user's operation; When the emergency call or emergency situation information sent from the navigation is received, the received information is analyzed and the emergency service situation is displayed on the screen, and an emergency service dispatch command message is transmitted to the associated service personnel according to a manager's operation command. Insurance inquiry / emergency services system of a vehicle comprising an insurance company server. The medical institution terminal of claim 1, further comprising a medical institution terminal that analyzes the received information and displays the information on the emergency service situation on a screen so that a person in charge can check the emergency service information when the emergency situation information sent from the navigation is received. Insurance inquiry / emergency service system for vehicles. According to claim 2, The navigation, Inquiry of the vehicle position coordinates in real time in conjunction with the GPS module, and if the vehicle position coordinates are suddenly changed, the insurance inquiry of the vehicle comprising a mobile telematics for determining the emergency situation and providing emergency call information to the control unit Emergency Service System. The method of claim 3, wherein the navigation, A function selection unit for selecting a function for transmitting an emergency situation to neighboring medical institutions and an insurance company, and for transmitting an emergency service call command to an associated insurance company; Insurance inquiry / emergency situation service system of the vehicle further comprising a display unit for displaying the insurance related service information provided by the medical institution server on the screen. The method of claim 1, wherein the insurance company server, Analyzing the emergency information sent from the navigation, in the case of the request for insurance service information, recognizes the customer and searches the information database to provide the navigation service information of the recognized customer to the navigation, and analyze the emergency information In case of an emergency service call, the vehicle insurance inquiry / emergency service system, characterized in that for transmitting an emergency call message containing the vehicle location information to the terminal of the service personnel. In the method for providing insurance information and emergency information by using the insurance inquiry / emergency service system of a vehicle comprising a navigation system, a communication network, an insurance company server, and a medical institution terminal, A vehicle information transmission step of generating vehicle information and transmitting the vehicle information to an insurance company server when insurance inquiry or an emergency occurs in the navigation, and displaying insurance related service information transmitted from the insurance company server on a screen; The insurance company server analyzes the vehicle information when it receives the vehicle information, extracts the insurance service information of the customer and transmits the insurance service information to the navigation in case of an insurance request, and generates text information on the emergency service call history in case of an emergency. An insurance inquiry / emergency service method for a vehicle comprising an emergency situation step of transmitting to a terminal of a service agent. The method of claim 6, wherein the navigation, And transmits vehicle information including the car number, time information, customer contact information, and vehicle location information to the insurance company server. An insurance inquiry / emergency service method for a vehicle, which automatically detects an emergency situation through a mobile telematics and automatically transmits emergency call information to the insurance company server when an emergency situation is detected.

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