KR20160019331A - Car insurance calculation system - Google Patents

Abstract

The present invention relates to a car insurance premium calculation system and more specifically, to a car insurance premium calculation system including a travel collecting terminal (210) and calculating a car insurance premium by data analysis, wherein the travel collecting terminal is an machine-to-machine (M2M) device with an M2M module and installed in a car to measure the location, travel distance, direction, speed and acceleration of the car and to transmit collected data via a communications network to a car insurance premium calculation system server. The car insurance premium calculation system comprises: a travel collecting terminal in which an M2M module is installed, and which is connected to a cigar lighter socket inside a car; a server which receives travel information collected by the travel collecting terminal; a user terminal which receives feedback on driver′s driving habits in conjunction with the server; and a manager terminal which registers and deregisters the user terminal, and registers and deregisters the travel collecting terminal in conjunction with the server. According to the present invention, influence on the car is minimized since the travel collecting terminal is independently installed in the car by using the cigar lighter socket, and it is possible to analyze driving habits focused on the driver, not on the car.

Description

{Car insurance calculation system}

The present invention relates to an automobile insurance premium calculation system, and more particularly, an operation collecting terminal (210) is an M2M (Machine To Machine) equipped with an object communication module and installed and operated in a vehicle, And distance and direction of the vehicle, the speed and acceleration of the vehicle, collecting data, transmitting the data to a car insurance premium calculation system server through a communication network, and analyzing the data to calculate a premium.

Conventional automobile insurance does not depend on the frequency of vehicle use by insured drivers, but adds insurance premiums only for the term of the contract, without adding too many subscribers or fewer vehicles.

That is, the above-mentioned additional methods are applied not only to the comprehensive insurance of the arbitrary insurance nature related to the automobile but also to the various types of insurance related to the automobile. Also, in the case of liability insurance, which is a type of compulsory insurance that is required to be compulsory every year to protect the minimum victims of a car accident, anyone who owns the car should have the same conditions , Regardless of the actual driving time of the car, the same premium is added in one year.

Therefore, assuming that the A subscribers who operate the business operate their vehicles for an average of 5 hours a day, and the B subscribers who work in the office work only for one hour on average during the day / A subscriber would pay a premium five times more expensive.

That is, since the present method of estimating the auto insurance premium does not consider the driving time of the subscriber, the subscriber who does not drive the automobile for a long time has a problem that the insurance premium is paid more than the subscriber who drives a lot have.

In addition, even if it is improved, the car accident insurance rate was discounted because the accident risk rate was low when the driving distance for a year was less than a certain distance (for example, less than 10,000 Km) considering only the traveling distance.

In order to receive the discount, the traveling system was photographed and transmitted, or OBD (On-Board Diagnostic) equipment was attached and the data of this equipment had to be transferred to a predetermined PC.

The above method is a way to discount a car, and in the case of a premium, auto insurance is charged to a subscriber who has a car accident.

An object of the present invention to solve the above problems is to provide a method of calculating a car insurance premium that can calculate a car insurance premium that is differentiated for each subscriber according to the information of the vehicle's driving.

FIG. 1 is a block diagram of a service providing system to which an automobile insurance premium calculation method according to the related art is applied.

As shown in FIG. 1, the service providing system to which the automobile insurance premium calculation method according to the related art is applied includes an insurance company system 10 for subscribing to an automobile insurance and paying a premium accordingly, A subscriber terminal 30 which is used by a subscriber who subscribes to an insurance system for an insurance company system and operates the vehicle, and a wireless terminal 20 that is capable of communicating with a wireless terminal of an automobile A wireless communication system 40 for receiving driving information of the automobile and transmitting the information to the insurance company system, and a position information system 60 for generating position information of the automobile.

The insurance company system (10) is a system operated by an insurance company that receives auto insurance, collects insurance premiums therefrom, and provides insurance premiums to the auto insured in the event of a car accident. It provides various information through a network such as the Internet (Hereinafter, simply referred to as " automobile driving information ") operated by each subscriber from the wireless communication system through communication with the wireless communication system, .

The automobile 50 is a vehicle that is operated by a subscriber who insured the insurance system and is registered as an insured vehicle in the insurance company system. The automobile may be a commonly used automobile. Inside the automobile, an automobile terminal 20 capable of extracting automobile driving information and transmitting the automobile driving information to the wireless communication system via radio is installed.

The wireless communication system 40 carries out wireless communication with an automobile terminal mounted on the vehicle, and transmits the vehicle operation information transmitted from the vehicle terminal to the insurance company system. The wireless communication system may be a mobile communication system currently used or a system configured for the present invention. That is, the wireless communication system carries out wireless communication with the vehicle terminal and transmits the vehicle operation information to the insurance company system, and a wired network such as the Internet network can be used between the wireless communication system and the insurance company system.

The subscriber terminal 30 is used for a subscriber operating a car to access various types of information by accessing an insurance company system, and terminals capable of communication such as a personal terminal, a PDA, and the like can be used.

The position information system 60 is a system capable of providing position information, such as a satellite, or a plurality of mobile communication repeaters may be applied. The car terminal 20 mounted on the car can generate and store location information of the car using the location information system.

The car terminal collects various car driving information of the car and transmits it to the wireless communication system. The collecting unit 21 collects information on whether the car is started or not from the starter and the engine of the car, Collects the traveling distance of the vehicle through the image capturing unit 28 installed in the vehicle, collects surrounding image information of the area where the vehicle is traveling, or collects the running date information of the vehicle through a timer or the like .

BACKGROUND ART [0002] Automobiles which have been recently developed include various electronic components such as an electronic control unit (ECU) or an on-board diagnostic (OBD) or a body control module (BCM) And a variety of vehicle operation information such as the traveling speed of the vehicle, the mileage of the vehicle, and the like can be collected from these devices. Accordingly, the collecting unit of the automobile terminal according to the present invention can collect automobile driving information through communication with the above-described devices, or directly collect modules for collecting automobile driving information as described above There may be.

However, with respect to Patent Document 1, the collecting unit 21 configured in the automobile terminal 20 is not specifically described as to how automobile driving information can be collected when collecting operating information independently, There is a difficulty in calculating the premium for each driver since the driver of the driver of the vehicle can not identify which driver is currently driving the vehicle.

Korean Patent Publication No. 10-2014-0032370 (Mar. 14, 2014)

The present invention solves the above problems, and it completely automates the data collection of vehicle driving information and the driving behavior of the driver, and uses the GPS method for the vehicle driving collection terminal (M2M) for data collection. In addition, it is a type that secures power by connecting to cigar jack instead of OBD connection method of vehicle. It collects vehicle driving data in real time using mobile communication network and calculates the risk of accident of motor vehicle driver in real time and feeds back to driver, And to calculate premiums in real time.

For other purposes, it is aimed to transmit driver data collected from a vehicle in real time and to calculate driver risk through artificial intelligence processing through big data processing.

Another object of the present invention is to enable a driver of a plurality of drivers to drive according to a vehicle, and to identify the driver who is driving and to collect data on the driver's driving behavior.

Yet another object of the present invention is to provide a non-contact terminal for providing convenience in installation and management, while the prior art has a large influence on vehicles due to the use of a contact-type OBD interlocking method for collecting vehicle driving information .

In order to solve the above problems,

In a premium calculation system,

A traffic collecting terminal equipped with an object communication module and connected to a cigar jack in the vehicle;

A server for receiving driving information collected by the driving collection terminal;

A user terminal for receiving feedback on a driving habit of a driver in cooperation with the server;

And a manager terminal for performing registration and termination of the user terminal and registration and termination of the operation collection terminal in cooperation with the server.

The present invention is advantageous in that it is simpler than the OBD method in which the vehicle is connected to each part of the vehicle, and can be easily installed by a user because it operates independently by being connected to the cigar jack in the vehicle. Also, position information, speed and acceleration information and direction information of the vehicle can be obtained independently.

In addition, the present invention identifies which driver is currently operating even if a plurality of drivers operate the vehicle, so that it is possible to calculate the insurance premium for each driver, not the premium calculation for each vehicle, and analyze the driver's driving habits for each driver.

Since the driver's habits can be analyzed, the driver can be informed of the driving habits through the user terminal.

FIG. 1 is a block diagram of a service providing system to which an automobile insurance premium calculation method according to the related art is applied.
FIG. 2 is a background diagram of an automobile insurance premium calculation system according to an embodiment of the present invention.
FIG. 3 shows an embodiment of the traffic collection terminal M2M according to the present invention.
4 is an embodiment of a car insurance premium calculation system server according to the present invention.

Hereinafter, an automobile insurance premium calculation system according to the present invention will be described with reference to the drawings.

FIG. 2 is a background diagram of an automobile insurance premium calculation system according to an embodiment of the present invention.

2, the operation collection terminal 210 is installed in the vehicle as an M2M device equipped with a object communication module, and will be described later in detail with reference to FIG. 3. However, in order to calculate a premium for a car, It measures the speed and acceleration of the vehicle, collects the data, and transmits it to the car insurance premium calculation system server through the communication network.

On the other hand, the operation collecting terminal 210 can communicate with the in-vehicle device 220 such as a tachometer and OBD (On-Board Diagnostic) already installed in the vehicle via Bluetooth communication, And vibration information, speed and acceleration information, engine noise, and brake status.

Meanwhile, the operation collection terminal 210 can exchange information with the user terminal 230 through Bluetooth communication, and the user terminal 230 may be executing the application according to the present invention. The user terminal 230 may be an apparatus for providing an interface using an app page provided by a server.

The server 250 can identify the user by communicating with the user terminal 230. (User name or user's mobile communication telephone number, user ID, etc.) stored in the user terminal to the operation collection terminal 210 via the Bluetooth communication and transmits the identification to the server or directly to the user terminal 230 To the server so that the server 250 can identify the user.

The travel collecting terminal 210 acquires the GPS information through communication with the satellite 240 and acquires the location information of the current location of the vehicle.

The travel collecting terminal 210 stores the collected data in its own memory, and transmits the collected data to the car insurance premium calculation system server 250 at predetermined time intervals and transmits the data to the car insurance premium calculation system server 250 in real time.

When the operation collecting terminal 210 sends data at a predetermined time, various types of collected information are processed into big data and stored in the car insurance premium calculation system server 250 to calculate the driver risk.

In the car insurance premium calculation system server 250, various data necessary for calculating the insurance premium are collected and transmitted to the insurance company 260.

For example, it calculates the driver's risk and transmits the driver's various data (operating time, driving distance, rapid acceleration, emergency stop, operating position, etc.).

The insurance company 260 uses premiums based on various information transmitted from the insurance table calculation system server 250 as premiums or discounts.

The administrator terminal 270 registers and terminates the user terminal 230, registers and terminates the operation collection terminal, upgrades the firmware of the operation collection terminal 210, checks the status of the operation collection terminal 210, ), And has a function that allows the user to perform driving habit feedback to a user having a bad driving habit.

On the other hand, the automobile insurance premium calculation system server 250 can construct a separate big data server with respect to the big data and can store and analyze it. The insurance risk is calculated by using the variable driver risk, which is calculated from the speed, acceleration, position and time variables obtained by the equipment (M2M).

The problem of the related art is that it is necessary to dedicate a personal terminal to use it in a vehicle, and judge based on position information as operating information.

Also, it is possible to collect driving information by OBD, which is a conventional technique, but it has a problem that driving information can not be collected for each user as it is dependent on a car.

However, according to the embodiment of the present invention, it is possible to collect driving information for each user, collect speed and acceleration information, direction information, etc. in addition to the position information, communicate with an in-vehicle device such as an OBD and a tachometer, Speed, accelerator pedal, quick brake, and so on.

In the meantime, the mutual authentication is performed before communication between the operation collection terminal 210 and the automobile insurance premium calculation system server 250. This is because only the terminal 210 authenticated in the server 250 has to transmit data, Only the server 250 authenticated in the server 250 must upgrade the firmware. The mutual authentication method can be a method of verifying whether the mutual keys are the same, and confirms whether the encryption key (CK, Cypher Key) and the integrity key (IK, Integrity Key) are identical between the terminal and the server. (RAND, Random), the result value (RES, Response), and the authentication token (AUTN, Authentication Token) are indirectly the same key value. Check.

The firmware update of a general object communication device is performed by sending a character indicating that the firmware should be downloaded to the terminal using an SMS text message, and the terminal requests a file download to the server, downloads the firmware, and installs and applies the firmware. In the embodiment, the terminal is directly connected to the TCP / IP connection without an SMS text message, firmware is downloaded, and the firmware is upgraded.

Referring to FIG. 3, FIG. 3 shows an embodiment of the traffic collection terminal M2M according to the present invention.

A GPS module 320 capable of communicating with the satellite 240 is installed to collect location information of the operation collection terminal 210.

In addition, it can access and receive various data by connecting to a wireless communication network (including an LTE communication network) through the communication modem 330. The present invention may access the automobile insurance premium calculation system server 250 through the system.

The communication modem can store the subscriber information by installing the idle chip (USIM) 235, and the information of the operation collection terminal can also be stored.

In the accelerometer 340, an acceleration sensor is installed to acquire speed information and acceleration information of the vehicle. Such data is used to grasp the driving habits of the driver and ultimately utilized as car insurance premium calculation data.

The gyro sensor 350 is also similar to the accelerometer 340, but is a sensor that senses in which direction the vehicle is traveling.

The Bluetooth device 350 can exchange information with the user terminal 230 and exchange information with the in-vehicle device 220. As described above.

The memory 370 temporarily stores various data of the operation collection terminal 210, and stores environment setting information and the like.

The control unit 310 controls each of the above components. The computer resource may be a central processing unit (CPU) or an apparatus for performing operations. The control unit 310 may be a single chipset or a plurality of chips. .

Meanwhile, in the present invention, the user terminal 230 may be a tablet PC such as a smartphone or an iPad of a driver. The user terminal 230 may be equipped with an app which informs the driver of the risk of driving, And various additional services such as data provision for the driver can be provided to provide convenience to the driver.

Referring to FIG. 4, FIG. 4 is a block diagram of an embodiment of a car insurance premium calculation system server 250.

The user identification unit 420 can identify the user through communication between the user terminal 230 and the operation collection terminal 210 and can identify the user from the user terminal 230 or the operation collection terminal 210, The identification can be made by being notified to the part 420. As described above, since the user identification information is recorded in the user terminal 230 (e.g., the terminal unique information, the terminal phone number, etc.) and the application is also driven, the user identification information can be acquired easily. There is a possibility that such information is notified to the driver identification unit 420 of the server so that the driver can classify, store, and analyze the driving information collected by the user.

The driver data collection unit 430 receives the driving information data collected from the driving collection terminal 210 in real time through the communication network 280 and performs classification and storage. The data of the driver data collection unit 430 is extracted by the big data processing unit 450 and used as data for calculating the risk of the driver of the vehicle as the driving information data.

As described above, the terminal authentication unit 440 performs mutual authentication before communication between the operation collection terminal 210 and the car insurance premium calculation system server 250. This is because the server 250 authenticates the terminal 210 Only the server 250 authenticated by the terminal 210 must perform firmware upgrading and the like so that mutual authentication is performed.

The automobile insurance premium calculation unit 460 determines a discount or premium of the insurance premium according to the risk of the driver calculated by the big data processor 450.

The automobile insurance premium calculation is based on the basic insurance premium, special rate, subscriber characteristics, discount premium rate, special premium rate, material rate premium rate and special rate. Recently, the charging method based on the accident history and the demographic characteristics of the subscribers The present invention is capable of providing a system capable of coping with a change in a way that imposes a premium on the driver's behavior (habit) of a driver on a reasonable basis have.

The firmware upgrading unit 470 performs a function to upgrade the firmware of the operation collecting terminal 210, and provides a method of ensuring reliability based on mutual authentication and upgrading the operation collecting terminal 210 have.

The control module 410 controls each module or each part.

It will be understood by those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is to be understood, therefore, that the embodiments described above are to be considered in all respects as illustrative and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

30: Subscriber terminal
40: Wireless communication system
210: Operation collection terminal
220: In-vehicle device
230: User terminal
240: satellite
250: Automobile premium calculation system server
260: Insurer
430: Driver data collection unit
440:
450: Big data processor
470: Firmware upgrade section

Claims (3)

In a car insurance premium calculation system,
A traffic collecting terminal equipped with an object communication module and connected to a cigar jack in the vehicle;
A server for receiving driving information collected by the driving collection terminal;
A user terminal for receiving feedback on a driving habit of a driver in cooperation with the server;
And an administrator terminal for registering and terminating the user terminal in cooperation with the server and performing registration and termination of the operation collection terminal.
The method according to claim 1,
The traffic collection terminal,
A GPS module capable of communicating with the satellite and collecting location information of the traffic collection terminal;
A communication modem connected to a wireless communication network and capable of transmitting various data;
A wireless modem installed in the communication modem and storing information of a subscriber and a collection terminal;
An accelerometer for acquiring speed information and acceleration information of the vehicle;
A gyro sensor for sensing in which direction the vehicle is traveling;
A Bluetooth device capable of exchanging information with a user terminal and communicating information with an in-vehicle device;
A memory for temporarily storing various data of the traffic collection terminal or storing environment setting information;
And a controller for controlling the GPS module, the communication modem, the accelerometer, the gyro sensor, the Bluetooth device, and the memory.
The method according to claim 1,
The server comprises:
A driver identification unit that receives a driver identification that can be identified by a user through communication with a user terminal or a driving collection terminal;
A driver data collecting unit that receives the driving information data collected by the driving collecting terminal in real time through a communication network and performs classification and storage;
A terminal authentication unit for performing mutual authentication before communication between the traffic collection terminal and the server;
A big data processing unit for extracting data of the driver data collection unit and calculating the risk of the driver of the vehicle as the driving information data;
An auto insurance premium calculation unit for determining a discount or premium of the insurance premium according to the risk of the driver calculated by the big data processor;
A firmware upgrade unit for performing a function for upgrading the firmware of the traffic collection terminal;
And a control module for controlling the driver identification unit, the driver data collection unit, the big data processing unit, the auto insurance premium calculation unit, and the firmware upgrade unit.

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