KR20130012166A - Car insurances estimate service providing method using smart device - Google Patents
Car insurances estimate service providing method using smart device Download PDFInfo
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- KR20130012166A KR20130012166A KR1020110056585A KR20110056585A KR20130012166A KR 20130012166 A KR20130012166 A KR 20130012166A KR 1020110056585 A KR1020110056585 A KR 1020110056585A KR 20110056585 A KR20110056585 A KR 20110056585A KR 20130012166 A KR20130012166 A KR 20130012166A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/02—Services making use of location information
- H04W4/023—Services making use of location information using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/60—Subscription-based services using application servers or record carriers, e.g. SIM application toolkits
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Abstract
Description
The present invention relates to a method for providing automobile insurance estimation service, and more particularly, to a method for providing automobile insurance estimation service using a smart device.
In general, individuals are constantly threatened by unforeseen accidents in their economic and social life. In particular, in connection with the proliferation of traffic accidents, auto insurance aims to convey damages caused by accidents. Currently, car owners are not only forced to purchase personal compensation car insurance under the Auto Damage Compensation Act, but also most car owners involve direct damage to their vehicles and compensation for life damages caused by accidents while driving. Since they have auto insurance and auto insurance must be renewed or renewed every year, there is an urgent need for comparative estimates on premiums offered by various insurance companies.
Conventional auto insurance premium estimates have been made online or by telephone consultation through a computer. However, online counseling has difficulty in estimating the comparison of car insurance premiums online in places where mobility is limited and computers are not available or the Internet is not provided. In addition, the telephone counseling may be difficult to talk with the counselor, or the time may not be the same as the counselor, and the consultation is performed only by voice, not by text, and thus there is a limit in the transmission of detailed information, and it is difficult to compare.
In addition, the comparative estimating service of the conventional car insurance has been made in a manner of requesting detailed information about the vehicle and inputting by the customer for accurate estimating service of the car insurance. In this case, it is difficult for a person who does not know the vehicle to accurately provide the vehicle information required by the insurance company. Especially, even a person who knows the vehicle needs to enter a lot of vehicle information. There was a cumbersome disadvantage of low user convenience and efficiency due to the process.
The present invention is proposed to solve the above problems of the conventionally proposed methods, using a car insurance estimation app running on a smart device easily compares car insurance anywhere anytime and anywhere without the constraints of time and space on the go You can check and receive the quotation service, and in inputting the information for the comparison estimation of the auto insurance, the part of the customer information and the vehicle information are processed and provided as image information, and the analysis process is possible. The purpose of the present invention is to provide a method for providing a car insurance estimation service using a smart device, which minimizes the number of times, and eliminates the trouble of repeated input by the user, thereby improving convenience and efficiency of the user.
Car insurance estimation service providing method using a smart device according to a feature of the present invention for achieving the above object, the service providing server for providing a car insurance estimation service,
(1) receiving customer information, vehicle information, driver information, and subscription information from a user smartphone;
(2) extracting an insurance premium calculation element necessary for calculating an automobile insurance quote from the received information;
(3) calculating automobile insurance premiums for each insurer based on the extracted insurance premium calculation factors, and preparing a comparative estimate using the automobile insurance premiums calculated for each insurance company; And
(4) characterized in that it comprises the step of transmitting the prepared comparison quote to the user smartphone.
Preferably, in said step (1)
The customer information includes at least one of a customer's name, social security number, telephone number, email address,
The vehicle information is a vehicle identification number (Vehicle Identification Number) that can identify the vehicle,
The driver information includes vehicle usage, driver range, and driver age,
The subscription information may include collateral and special information.
More preferably, the vehicle information,
The vehicle number can be attached to the file without the hassle of input operation of the vehicle information by the customer can be taken image information.
Preferably, in the step (2)
Extract the premium calculation factor from customer information, vehicle information, driver information, and subscription information received from the user's smartphone,
The method further includes the step of performing an image analysis process for extracting the premium calculation factor for the image information photographed by the user among the customer information, the vehicle information, the driver information, and the subscription information input from the user's smartphone, instead of the customer's direct input. can do.
More preferably, the image information,
A vehicle number that can be provided as vehicle information,
It may include an identification card, which may be provided as part of the customer information, including an identification card, driver's license.
Preferably,
The method may further include receiving a customer weight signal including a premium criterion, a compensation criterion, and an additional service criterion from a user smartphone.
In the step (3), it is possible to prepare the comparison estimate from the list reflecting the customer weight signal.
Preferably,
(5) selecting one insurance company of the comparison quotes transmitted from the user smartphone, and receiving an event signal of insurance detail inquiry or subscription request; And
(6) The method may further include searching for a contact point of a corresponding insurance company corresponding to an event signal of the insurance detail inquiry or subscription request and transmitting the contact information to a user smartphone.
More preferably, in step (6),
A contact point of contact of an adjacent region based on the location of one of the GPS, the mobile communication system, and the LBS of the user smartphone may be provided.
According to the method for providing a car insurance estimation service using a smart device proposed by the present invention, a car service estimating service running on a smart device can be easily and directly compared to anytime, anywhere without limitation of time and space while on the go In order to input the information for comparison estimation of auto insurance, part of the customer information and vehicle information are processed and provided as image information, and the analysis process is possible, thus minimizing the process that the customer must input directly. In addition, the convenience and efficiency of the user may be further improved by eliminating the trouble of repeated input by the user.
1 is a diagram showing a system for implementing a method for providing a car insurance estimation service using a smart device according to an embodiment of the present invention.
2 is a diagram illustrating a detailed configuration of a service providing server in a system for implementing a method for providing a car insurance estimation service using a smart device according to an embodiment of the present invention.
3 is a flowchart illustrating a method of providing a car insurance estimation service using a smart device according to an embodiment of the present invention.
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, in order that those skilled in the art can easily carry out the present invention. In the following detailed description of the preferred embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In the drawings, like reference numerals are used throughout the drawings.
In addition, in the entire specification, when a part is referred to as being 'connected' to another part, it may be referred to as 'indirectly connected' not only with 'directly connected' . In addition, the term 'comprising' of an element means that the element may further include other elements, not to exclude other elements unless specifically stated otherwise.
1 is a diagram illustrating a system for implementing a method for providing a car insurance estimation service using a smart device according to an embodiment of the present invention. As shown in FIG. 1, a system for implementing a method for providing a car insurance estimation service using a smart device according to an embodiment of the present invention includes a
The
The
In addition, when the
The vehicle identification number is an identification number used for registration of the vehicle or for all legal matters necessary for maintaining ownership of the vehicle, and provides various information of the vehicle in a 17-digit letter table combining alphanumeric characters. That is, the first to third undercarriage numbers of the 17 digits of the undercarriage number represent information on the manufacturing company, the fourth through ninth undercarriage numbers indicate information about the characteristics of the car, and the tenth to seventeenth undercarriage numbers represent the production serial numbers. Hereinafter, the details of the vehicle information contained in the vehicle number will be described in detail with an example.
(Example) Chassis Number: [K M H H M 6 1 D P 2 U x x x x x x]
The vehicle number # 1 indicates a country such as K (South Korea), J (Japan), and 1 (US).
Chassis number # 2 indicates the manufacturer, such as L (Daewoo Motor), M (Hyundai Motor), N (Kia Motors).
Undercarriage number # 3 indicates a vehicle classification such as H (passenger car), F (cargo truck), and J (coach car).
Undercarriage number # 4 indicates the vehicle classification, such as B (Sonata), E (EF Sonata), V (Avante, Accent), and H (Tuscany).
Undercarriage number # 5 indicates detailed vehicle types such as L (basic type), M (high grade), and N (high grade).
Chassis number # 6 indicates the shape of the body, such as 1 (limousine), 2 to 5 (number of doors), 6 (coupe), 8 (wagon).
Undercarriage number # 7 indicates the seat belt classification, such as 0 (none), 1 (safety device), 2 (power strip), 3 (automatic seat belt).
Undercarriage number # 8 indicates displacement, such as A (1800cc), B or D (2000cc), and G (2500cc).
Undercarriage number # 9 indicates domestic or export.
Chassis number # 10 indicates the year of manufacture, such as X (1999), Y (2000), 1 (2001), and 2 (2002).
Chassis number # 11 indicates the plant location, such as A or U (Ulsan Plant), C (Jeonju Plant), M (India Plant), and Z (Turkey Plant).
Chassis numbers # 12 to # 17 indicate the production serial number.
2 is a diagram illustrating a detailed configuration of a service providing server in a system for implementing a method for providing an automobile insurance estimation service using a smart device according to an embodiment of the present invention. As shown in FIG. 2, the
The transmission and
The
Insurance
3 is a flowchart illustrating a method of providing a car insurance estimation service using a smart device according to an embodiment of the present invention. As shown in FIG. 3, the method for providing a car insurance estimation service using a smart device according to an embodiment of the present invention receives customer information, vehicle information, driver information, and subscription information from a
In step S100, the
In operation S200, the
In step S300, the
In step S400, the
In step S500, the
In step S600, the
The present invention may be embodied in many other specific forms without departing from the spirit or essential characteristics of the invention.
100: service providing server 101: transceiver
102: storage unit 103: image analysis unit
104: insurance estimate calculation engine 200: user smartphone
S100: step of receiving customer information, vehicle information, driver information, and subscription information from the user smartphone
S101: step of receiving a customer weight signal including a premium criterion, a compensation criterion, and an additional service criterion from a user smartphone
S200: extracting an insurance premium calculation element required for calculating an automobile insurance quote from the inputted information
S201: Step of proceeding with image analysis processing
S300: calculating car insurance premiums for each insurance company, and preparing a comparison estimate using the car insurance premiums calculated for each insurance company
S400: step of transmitting a comparison quote written to the user's smartphone
S500: step of receiving an event signal of insurance detail inquiry or subscription request
S600: Step of retrieving the contact information of the insurance company and sending it to the user's smartphone
Claims (8)
(1) receiving customer information, vehicle information, driver information, and subscription information from a user smartphone;
(2) extracting an insurance premium calculation element necessary for calculating an automobile insurance quote from the received information;
(3) calculating automobile insurance premiums for each insurer based on the extracted insurance premium calculation factors, and preparing a comparative estimate using the automobile insurance premiums calculated for each insurance company; And
(4) a method of providing a car insurance estimation service using a smart device, characterized in that it comprises the step of transmitting the written comparison quote to the user smartphone.
The customer information includes at least one of a customer's name, social security number, telephone number, email address,
The vehicle information is a vehicle identification number (Vehicle Identification Number) that can identify the vehicle,
The driver information includes vehicle usage, driver range, and driver age,
The subscription information is characterized in that it includes collateral and special information, car insurance estimation service providing method using a smart device.
Method for providing a car insurance estimation service using a smart device, characterized in that the vehicle number is photographed image information that can be attached to a file without the hassle of input operation of the vehicle information by the customer.
Extract the premium calculation factor from customer information, vehicle information, driver information, and subscription information received from the user's smartphone,
The method further includes the step of performing an image analysis process for extracting the premium calculation factor for the image information photographed by the user among the customer information, the vehicle information, the driver information, and the subscription information input from the user's smartphone, instead of the customer's direct input. Method for providing a car insurance quote service using a smart device, characterized in that.
A vehicle number that can be provided as vehicle information,
Method of providing a car insurance estimation service using a smart device, characterized in that it comprises an identification card, including a resident registration card, a driver's license that can be provided as part of the customer information.
The method may further include receiving a customer weight signal including a premium criterion, a compensation criterion, and an additional service criterion from a user smartphone.
In the step (3), characterized in that for producing the comparison estimate in the list reflecting the customer weight signal, car insurance estimation service providing method using a smart device.
(5) an insurance company of one of the comparison estimates transmitted from the user's smartphone is selected, and receiving an event signal of insurance detail inquiry or subscription request; And
(6) further comprising the step of retrieving the contact information of the relevant insurance company corresponding to the event signal of the detailed insurance subscription request or subscription request, and transmitting the contact information to the user's smartphone. How to Provide.
Method of providing a car insurance estimation service using a smart device, characterized in that to provide a contact point of contact of the adjacent area based on the location of one of the GPS, mobile communication system, and LBS of the user smartphone.
Priority Applications (1)
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KR1020110056585A KR20130012166A (en) | 2011-06-12 | 2011-06-12 | Car insurances estimate service providing method using smart device |
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KR1020110056585A KR20130012166A (en) | 2011-06-12 | 2011-06-12 | Car insurances estimate service providing method using smart device |
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Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN106781437A (en) * | 2016-12-22 | 2017-05-31 | 安徽保腾网络科技有限公司 | For the reparation strategy determination method of fender-bender |
CN107369096A (en) * | 2017-06-23 | 2017-11-21 | 深圳市盛路物联通讯技术有限公司 | A kind of traffic accident transaction system and method based on Internet of Things |
KR101875731B1 (en) * | 2017-07-28 | 2018-07-06 | 박병각 | Online automobile marketing and registration method and therefore collective operation system |
KR20190096594A (en) * | 2018-02-09 | 2019-08-20 | 주식회사 두리 | Method for joining travelers insurance and computer program recorded on record-medium for executing method therefor |
KR20200125300A (en) * | 2019-04-26 | 2020-11-04 | 차봇모빌리티 주식회사 | Kiosk apparatus and system for providing comparative estimation and subscription service of car insurance product |
KR20220005422A (en) * | 2020-07-06 | 2022-01-13 | 마이뱅크주식회사 | Method for providing a customized insurance based on animal features, and server by using same |
US11935219B1 (en) | 2020-04-10 | 2024-03-19 | Allstate Insurance Company | Systems and methods for automated property damage estimations and detection based on image analysis and neural network training |
-
2011
- 2011-06-12 KR KR1020110056585A patent/KR20130012166A/en not_active Application Discontinuation
Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN106781437A (en) * | 2016-12-22 | 2017-05-31 | 安徽保腾网络科技有限公司 | For the reparation strategy determination method of fender-bender |
CN107369096A (en) * | 2017-06-23 | 2017-11-21 | 深圳市盛路物联通讯技术有限公司 | A kind of traffic accident transaction system and method based on Internet of Things |
KR101875731B1 (en) * | 2017-07-28 | 2018-07-06 | 박병각 | Online automobile marketing and registration method and therefore collective operation system |
KR20190096594A (en) * | 2018-02-09 | 2019-08-20 | 주식회사 두리 | Method for joining travelers insurance and computer program recorded on record-medium for executing method therefor |
KR20200125300A (en) * | 2019-04-26 | 2020-11-04 | 차봇모빌리티 주식회사 | Kiosk apparatus and system for providing comparative estimation and subscription service of car insurance product |
US11935219B1 (en) | 2020-04-10 | 2024-03-19 | Allstate Insurance Company | Systems and methods for automated property damage estimations and detection based on image analysis and neural network training |
KR20220005422A (en) * | 2020-07-06 | 2022-01-13 | 마이뱅크주식회사 | Method for providing a customized insurance based on animal features, and server by using same |
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