KR20210144241A - Auto Insurance and New Vehicle Unmanned Quotation System - Google Patents

Abstract

The present invention relates to an auto insurance and new vehicle unmanned quotation system. More specifically, an operation collection terminal is a machine-to-machine device equipped with a machine-to-machine module and operates after in-vehicle installation. The terminal measures the location, travel distance, direction, speed, and acceleration of a vehicle for auto insurance calculation, collects data, and calculates an auto insurance through a communication network. The present invention includes: a step in which a seller PC requests provisional quotation while transmitting information on a used vehicle as a quotation request vehicle; a step of searching a provisional quotation database based on the information on the provisional quotation-requested used vehicle received from the seller PC, calculating a provisional quotation amount, and transmitting the amount to the seller PC; a step in which a server searches a transaction information database to extract previous transaction information on the transaction of a vehicle identical in name and specific model to the provisional quotation information-requested used vehicle and transmit the information to the seller PC; a step in which the seller PC requests final quotation to the server; a step in which a final quotation request fee is imposed; a step of posting information on the final quotation-requested vehicle and a quotation-requested vehicle display via a website managed and operated by the server; a step in which a buyer PC transmits the final quotation amount with respect to the vehicle to the server; and a step in which the server transmits the final quotation amount to the seller PC. According to the present invention, by providing reliable quotation information to a seller, the promotion of utilization can be anticipated.

Description

Auto Insurance and New Vehicle Unmanned Quotation System

The present invention is an unmanned car insurance premium and new car estimation system, and more specifically, a machine-to-machine (M2M) device equipped with a machine-to-machine (M2M) device is installed and operated in the vehicle to calculate the vehicle insurance premium. Measuring distance and direction and vehicle speed and acceleration, collecting data and sending it to the car insurance premium calculation system server through a communication network to analyze the data In the case of the seller, a tentative estimate can be obtained from the seller's point of view by adopting a different type of method: the classification and provisional estimate are performed by the server's provisional estimate calculation program, and the real estimate is directly presented by the domestic used car dealer or exporter. After preliminary confirmation of the estimated selling price of the used vehicle through the It relates to a system suitable for improving the quotation service use environment.

Conventional auto insurance calculates insurance premiums only during the contract period, regardless of the frequency of vehicle use of the insured driver, and is added without any difference between the subscribers who use the vehicle excessively or the subscribers who use the vehicle less.

That is, the above-described additional method is applied not only to comprehensive insurance in the nature of voluntary insurance related to automobiles, but also to various types of insurance related to automobiles. In addition, in the case of liability insurance, which is a kind of compulsory insurance that any car owner must purchase every year to protect the minimum number of victims in case of a car accident, if the user has the same conditions in consideration of the type and year of the car, , irrespective of the actual driving time of the car, the same premium is charged for one year.

Therefore, assuming that subscriber A, who works in sales, drives a car for an average of 5 hours a day for sales, and subscriber B, who works for office work, drives only for an average of 1 hour a day only when commuting to and from work, then subscriber B You will pay five times as much insurance premium as subscriber A.

In other words, since the current car insurance premium calculation method does not take into account the driving time of the subscriber, a problem arises that subscribers who do not drive a car for a long time pay relatively higher insurance premiums than those who drive a lot. have.

In addition, even if it is an improvement, car insurance is discounted because the risk of an accident is low if the driving distance for one year is less than a certain distance (for example, 10,000 km or less) considering only the driving distance.

As a condition to receive the discount, it was necessary to take a picture of the odometer and transmit it or attach OBD (On-Board Diagnostic) equipment and transmit the data of this equipment to a PC.

The above method is a method of giving a car discount, and in the case of a premium, the car insurance premium was imposed on the subscriber who had an automobile accident.

SUMMARY OF THE INVENTION An object of the present invention to solve the above problems is to provide a method of calculating a car insurance premium, which can calculate a car insurance premium differentiated for each subscriber according to the subscriber's car driving information.

1 is a configuration diagram of an embodiment of a service providing system to which a method of calculating an automobile insurance premium according to the prior art is applied. As shown in FIG. 1 , the service providing system to which the car insurance premium calculation method according to the prior art is applied includes an insurance company system 10 for receiving car insurance and paying the premium in case of a car accident, driving information of the car A car 50 equipped with a wireless terminal 20 capable of wirelessly transmitting It is configured to include a wireless communication system 40 for receiving and transmitting the driving information of the vehicle to the insurance company system and a location information system 60 for generating the position information of the vehicle.

The insurance company system 10 is a system operated by an insurance company that receives automobile insurance, collects premiums accordingly, and pays insurance premiums to the relevant automobile insurance subscribers in the event of an automobile accident. In addition to being able to provide the vehicle operation information (hereinafter simply referred to as 'vehicle operation information') of the vehicle operated by each subscriber from the wireless communication system through communication with the wireless communication system, each subscriber It performs the function of calculating differentiated insurance premiums.

The automobile 50 is operated by a subscriber who has purchased insurance in the insurance company system, and refers to a vehicle registered as an insurance vehicle in the insurance company system. A vehicle currently used in general may be applied to the vehicle, and a vehicle terminal 20 capable of extracting vehicle operation information and transmitting it to a wireless communication system through wireless is mounted therein.

The wireless communication system 40 performs wireless communication with the vehicle 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 currently used mobile communication system or a system configured for the present invention. That is, the wireless communication system performs a function of transmitting vehicle driving information to the insurance company system by performing wireless communication with the vehicle terminal, and a wired network such as an Internet network may be used between the wireless communication system and the insurance company system.

The subscriber terminal 30 is used for the purpose of a subscriber operating a vehicle accessing an insurance company system and reading various information, and terminals capable of communication, such as a personal terminal or a PDA, may be used.

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

The vehicle terminal collects various vehicle operation information of the vehicle and transmits it to the wireless communication system. The collection unit 21 collects information on whether the vehicle is started from the vehicle's starting device and the engine, or collects the rotation speed of the vehicle's wheel axle. It collects the driving distance of the vehicle through the vehicle, collects image information around the area in which the vehicle is operated by the image capturing unit 28 installed in the vehicle, or collects the driving date information of the vehicle through a timer. .

In automobiles that have been recently developed, electronically various components of the automobile, such as an electronic control unit (ECU) or an on-board diagnostic (OBD) or a body control module (BCM), etc. Devices for collecting or controlling these are mounted, and various vehicle driving information such as driving speed and mileage of the vehicle may be collected from these devices. Accordingly, the collection unit of the vehicle terminal applied to the present invention may collect vehicle operation information through communication with the devices as described above, or directly provided with modules capable of collecting vehicle operation information as described above, there may be

However, with respect to Patent Document 1, the collection unit 21 configured in the vehicle terminal 20 is not specifically presented as to how the vehicle operation information can be collected when the vehicle operation information is independently collected. It is difficult to calculate the insurance premium for each driver because it is impossible to identify which driver is currently driving the vehicle when the driver of

Currently, the invention of the used car transaction (sales) business method based on the Internet is well known. For example, "Used car information provision and sale system using a network" according to Republic of Korea Patent No. 10-1061094 (announcement date: August 31, 2011), Korean Patent Publication No. 10-2011-0047384 (published date: May 09, 2011) "Used car sales operation system and method", "Used car using real-time video information" according to Patent Publication No. 10-2011-0025497 (published on March 10, 2011) A transaction method and its transaction system" and the like are known.

All of the above technologies relate to a system and method for buying and selling a used car based on a network, and there was no technology for requesting a quote for a used car, which is the previous stage of a trading transaction, or for calculating and transmitting a quoted amount in response to a request for a quote.

On the other hand, as a prior art for providing an estimate service for a new vehicle (new vehicle) other than a used vehicle, for example, "Computer Network" according to Korean Patent Publication No. 10-2001-0048951 (published on June 15, 2001) "Method for calculating vehicle estimate using "," Korean Patent Publication No. 10-2000-0058402 (published on October 05, 2000) "Method for preparing an Internet car estimate, Patent Publication No. 10-2002-0068866 (published) Date: August 28, 2002), an Internet-based vehicle estimate calculation method" and the like are known.

However, all of the above techniques are methods of calculating estimates for new cars, which are difficult to apply to used cars, and they are merely providing estimates for new cars through the Internet or network.

In order to solve the above problems, the present invention fully automates the data collection of vehicle operation information and driver's driving behavior, and the M2M for vehicle operation collection terminal (M2M) for data collection uses a GPS method. In addition, it is a type that secures power by plugging it into the cigar jack rather than the OBD connection method of the vehicle. It collects vehicle operation data in real time using a mobile communication network and calculates the accident risk of the car driver in real time and feeds it back to the driver to reduce the accident risk rate. It aims to lower the cost and enable real-time insurance premium calculation.

In order to solve the above problems, the present invention provides a driving group terminal equipped with a MTC module in the insurance premium calculation system and used in connection with a cigar jack in the vehicle; and a server receiving the driving information collected from the driving group terminal. and a user terminal for receiving feedback on the driver's driving habits in conjunction with the server; and a manager terminal for registering and canceling a user terminal and registering and canceling a driving group terminal in conjunction with the server; characterized in that it comprises: We would like to propose a system for calculating automobile insurance premiums.

The present invention for achieving the above object is a new car estimate service method, the method comprising the steps of requesting a provisional estimate while transmitting information on the new car, which is the vehicle for which the seller PC is a quotation request; When there is a request for a tentative estimate from the seller PC, the server searches the tentative estimate database based on the vehicle information of the requested estimate received from the seller PC, calculates a tentative estimate amount, and transmits it to the seller PC; The server searches the transaction information database, extracts the previous transaction information in which a transaction has been made for the same vehicle name and detailed model as the request for provisional estimate information, and transmits it to the seller PC; Step by which the seller PC requests a real estimate to the server; When a real estimate request signal is transmitted from the seller PC to the server, a real estimate request fee is charged; Posting the vehicle information of the vehicle for which the actual quotation has been requested, along with an indication of the vehicle for which the quotation has been requested through a website managed and operated by the server; Transmitting, by the purchaser PC, the actual estimate amount for the vehicle to the server; The server is characterized in that it is configured including the step of transmitting the original estimate amount received from the purchaser PC to the seller PC.

The present invention has the advantage of being simpler and easier for the user to install than the OBD method that has to be connected to each part of the vehicle because it is connected to the cigarette jack in the vehicle and operates independently. In addition, it is possible to independently obtain vehicle location information, speed and acceleration information, and direction information.

In addition, according to the present invention, even if a plurality of drivers are driving in one vehicle, by identifying which driver is currently driving, it is possible to calculate the insurance premium for each driver rather than calculate the insurance premium for each vehicle, and it is possible to analyze the driver's driving habits and the like for each driver.

Since it is possible to analyze the driver's driving habits, it is possible to provide feedback on the driving habits to the driver through the user terminal.

The method for estimating a new car according to the present invention having the above configuration has the following effects.

First, the new car quotation request of the seller who is a user of the seller PC is divided into two stages, the provisional estimate and the actual estimate, and the provisional estimate is performed by the server's provisional estimate calculation program, and the actual estimate is calculated by the server's quotation program By adopting a different type of method, that is, a method in which a domestic new car dealer or exporter directly presents the actual estimate amount, rather than a method that By providing in stages, it has the effect of being able to provide various estimates while being reliable in different ways to sellers who want to receive a new car estimate.

Second, from the seller's point of view, after preliminarily confirming the expected selling price of the new vehicle through the provisional estimate, it may end by confirming the provisional estimate, or if you want to receive a quotation directly from a domestic new car dealer or exporter, this By allowing the seller's PC to select what allows the quotation service to be requested, it is possible to improve the seller's quotation service use environment.

Third, when the server provides a tentative estimate amount to the seller PC, the seller PC compares the tentative estimate with the existing actual transaction information by providing the existing transaction information for the new vehicle with the same specifications as the specifications of the provisional estimate request vehicle. Therefore, if you receive an estimate from a new car dealer or exporter through the actual estimate, it has the effect of providing a criterion for judging whether you can receive an actual quotation with a higher price than the tentative estimate.

Fourth, by adopting the invention of a business method in which a quotation fee is charged only when a quotation is not charged for a preliminary estimate, but a quotation fee is charged only when a preliminary estimate is made, it does not impose any economic burden on the seller at the time of a tentative estimate, so the activation of the quotation service can be expected. there is an effect

Fifth, extract the price of a new car with the same specifications (vehicle name, detailed model name, grade, transmission type) as the new car requested for a preliminary estimate, and deduction for the deduction factors (year, mileage, accident, etc.) of the new car requested for a preliminary estimate A simple yet reliable provisional estimate amount is adopted by setting a ratio, calculating a deduction value according to the set deduction rate, and then calculating the provisional estimate amount by subtracting the deduction values for each deduction factor from the extracted new car price. There is an effect that can yield .

Sixth, on the basis of the transaction fact known to the skilled artisan that export vehicles are sold well even if the mileage is high, and the sales amount is usually higher than that of domestic vehicles, in the case of providing existing transaction information, By providing transaction information separately, it has the effect of being an effective help to the seller in determining whether the provisional estimate or the actual estimate is an appropriate amount.

Seventh, by providing the buyer's PC inputting the actual estimate amount with information (whether it is a new car dealer or a new car exporter) of the buyer (a user of the buyer's PC), the seller can more reliably determine whether the actual estimate amount is appropriate. there is an effect

1 is a configuration diagram of an embodiment of a service providing system to which a method of calculating an automobile insurance premium according to the prior art is applied.
2 is a background view as an embodiment of the automobile insurance premium calculation system according to the present invention.
Figure 3 is an embodiment of the operation hand group terminal (M2M) according to the present invention.
4 is an embodiment of an automobile insurance premium calculation system server according to the present invention.
5 is a block diagram of an apparatus for implementing a used car estimation service method according to an embodiment of the present invention.
6 is a flowchart of a used car estimation service method according to an embodiment of the present invention.
7 is a detailed flowchart in which a server executes a provisional estimate program to calculate a provisional estimate in the used car quotation service method according to an embodiment of the present invention.

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

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

Referring to FIG. 2 , the driving group terminal 210 is an M2M device equipped with a machine-to-machine communication module and is installed in the vehicle. It measures the speed and acceleration of the vehicle, collects data, and transmits it to the car insurance premium calculation system server through a communication network.

On the other hand, since the operation group terminal 210 can communicate with the in-vehicle device 220 such as a tachometer and an on-board diagnostic device (OBD) that are already installed and operated in the vehicle through Bluetooth communication, various vehicle operation information and vibration information, speed and acceleration information, engine RPM, brake status, and the like.

Meanwhile, the operation group terminal 210 may exchange information with the user terminal 230 through Bluetooth communication, and an application according to the present invention may be running in the user terminal 230 . The user terminal 230 may be a device that provides an interface in the form of using an app page provided by a server.

The server 250 can identify a user through communication with the user terminal 230 . The user identification (user name or user's mobile communication phone number, user ID, etc.) stored in the user terminal is transmitted to the operation group terminal 210 through Bluetooth communication and transmitted to the server, or directly from the user terminal 230 It is transmitted to the server so that the user can be identified in the server 250 .

The driving group terminal 210 acquires GPS information through communication with the satellite 240 to acquire location information of where the current vehicle is.

The driving group terminal 210 retains the data collected by itself in a memory and transmits it to the automobile insurance premium calculation system server 250 at predetermined times or in real time.

When the driving group terminal 210 sends data every predetermined time, various collected information becomes a significant amount, so it is processed as big data and stored in the automobile insurance premium calculation system server 250 and used to calculate the driver's risk.

The car insurance premium calculation system server 250 organizes and transmits various data necessary for calculating car insurance premiums to the insurance company 260 .

For example, the driver's risk level is calculated and various data of the driver (operation time, driving distance, rapid acceleration, sudden stop, operation location, etc.) are transmitted.

The insurance company 260 uses various types of information transmitted from the insurance table calculation system server 250 as a standard for premium or discount when charging premiums.

In the manager terminal 270 , registration and cancellation of the user terminal 230 , registration and cancellation of the operation group terminal, firmware upgrade of the operation management group terminal 210 , and the status check of the operation management group terminal 210 (check the status to check the status of the terminal bad terminal) will be exchanged), and has a function to give driving habit feedback to users with bad driving habits.

On the other hand, it is revealed that the automobile insurance premium calculation system server 250 can store and analyze big data by constructing a separate big data server. A variable called driver risk is used to calculate insurance premiums, and driver risk is calculated with variables of speed, acceleration, location, and time obtained with M2M equipment.

The problem with the prior art is that a personal terminal is used in a vehicle, and it has to be determined based on location information as driving information.

In addition, although it is possible to collect driving information by OBD, which is a conventional technology, there is a problem in that it is impossible to collect driving information for each user because it is dependent on a vehicle.

However, in the embodiment according to the present invention, driving information can be collected for each user, speed and acceleration information, direction information, etc. can be further collected in addition to location information, and the engine is connected to communication with in-vehicle devices such as OBD and tachometer. It has been improved to be able to judge the number of revolutions, rapid accelerator pedal, and sudden brake.

On the other hand, mutual authentication is performed before communication between the driving group terminal 210 and the car insurance premium calculation system server 250, which requires that only the terminal 210 authenticated by the server 250 transmit data, and the terminal 210 This is because only the server 250 authenticated in . In the mutual authentication method, a method of verifying whether the mutual keys are the same can be adopted. It checks whether the encryption key (CK, Cypher Key) and the integrity key (IK, Integrity Key) are the same between the terminal and the server. Although it is the simplest when sending and receiving a key value, it is likely to be exposed in the communication section, so use a random number (RAND, Random), result value (RES, Response), and authentication token (AUTN, Authentication Token) to indirectly check whether the key value is the same Check it.

In general, the firmware update of the MOT consists of sending a text message that the firmware needs to be downloaded to the terminal through an SMS text message, the terminal requests a file download to the server, downloads it, and installs and applies the firmware. In the embodiment, without an SMS text message, the terminal is directly connected through a TCP/IP connection, the firmware is downloaded, and then the firmware is upgraded.

Referring to FIG. 3 , FIG. 3 is an embodiment of a M2M operation group terminal according to the present invention.

Since a GPS module 320 capable of communicating with the satellite 240 is mounted, location information of the operation group terminal 210 can be collected.

In addition, various data can be transmitted and received by connecting to a wireless communication network (including an LTE communication network) through the communication modem 330 . In the present invention, it is also connected to the car insurance premium calculation system server 250 through this.

The communication modem may be equipped with a SIM chip (USIM, 235) to store subscriber information, and information of the operation group terminal may also be stored.

The accelerometer 340 is equipped with an acceleration sensor to obtain vehicle speed information and acceleration information, and these data are used to determine a driver's driving habits and ultimately used as vehicle insurance premium calculation data.

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

The Bluetooth 350 device may send and receive information through communication with the user terminal 230 , and may also exchange information with the in-vehicle device 220 . This is the same as described above.

The memory 370 functions to temporarily store various data of the operation group terminal 210 or to store environment setting information and the like.

The control unit 310 functions to control each part, and as a computing resource, a central processing unit (CPU) or a device in charge of arithmetic, may be composed of one chipset or a plurality of chips, and may be an independent device such as a mini computer. may consist of

On the other hand, in the present invention, the user terminal 230 may be a tablet PC such as a driver's smartphone or iPad, and the user terminal 230 may be equipped with an app that informs the driver of the driving risk level, as well as maintenance. It is possible to provide convenience to the driver by loading various additional services such as providing data on

Referring to FIG. 4 , FIG. 4 is a configuration diagram of an automobile insurance premium calculation system server 250 according to an embodiment.

The driver identification unit 420 may identify a user through communication between the user terminal 230 and the operation group terminal 210, and the user identification from the user terminal 230 or the operation group terminal 210 is the driver identification of the server. Identification can be accomplished by notification to unit 420 . As described above, user identification information is recorded in the user terminal 230 (eg, terminal unique information, terminal phone number, etc.) and the app is also driven, so that user identification information can be easily obtained. By notifying this information to the driver identification unit 420 of the server, there is a possibility that any driver drives and collects driving information by classifying it by user, storing and analyzing it.

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

As described above, the terminal authentication unit 440 performs mutual authentication before communication between the driving group terminal 210 and the car insurance premium calculation system server 250 , which is the terminal 210 authenticated by the server 250 . ) must transmit data and only the server 250 authenticated by the terminal 210 must perform firmware upgrade, etc., so that mutual authentication is performed.

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

Auto insurance premiums are calculated by taking into account the basic insurance premium, special insurance rate, subscriber characteristics, discount premium rate, special premium rate, material accident premium rate, and special rate. In the present invention, it is possible to provide a system that can cope with changes in the method of charging insurance premiums based on driving distance in have.

The firmware upgrade unit 470 performs a function to upgrade the firmware of the operator group terminal 210, and provides a method for upgrading the operator group terminal 210 by securing reliability based on mutual authentication. have.

The control module 410 performs a function of controlling each module or each unit described above.

As shown, the hardware configuration for implementing the new car quotation service method according to an embodiment of the present invention is a server 110 that provides a new car quotation service and a seller PC 120 that requests a new car quotation to the server 110 ) and the purchaser PC 130 for transmitting the estimated amount to the server 110 is configured.

When there is a request for a provisional estimate from the seller PC 120 , the server 110 executes a provisional estimate calculation program to calculate a provisional estimate, then transmits it to the seller PC 120 , and operates and manages a new car quotation website am.

The seller PC 120 is configured to request a provisional estimate and a real estimate to the server 110 through a website managed and operated by the server 110 .

The purchaser PC 130 is a device that presents the actual estimate amount with respect to the actual estimate requested by the seller PC 120 through a website managed and operated by the server 110 .

Next, a new car estimation service method according to an embodiment of the present invention having the above configuration will be described.

First, the seller PC 120 accesses the website operated by the new car estimation server 110 .

When the seller PC 120 inputs information of a new car that is a quote request vehicle through a website operated by the server 110 and requests a provisional estimate, the input vehicle information and provisional estimate request information are transmitted to the server 110 . (S210, S212).

The information of the new car that the seller PC 120 inputs through the website includes a vehicle name (model name, for example, Grandeur, Avante), a detailed model name (in the case of Grandeur, Grandeur HG, The Luxury Grandeur, Grandeur TG, New Grandeur XG, etc., Avante In the case of MD, HD, Coupe, Hybrid, etc.), the grade of the specific model name (Luxury, Modern, etc. for Grandeur HG, Deluxe, Luxury, Blue Saber, etc. for Avante MD), Year (2013, 2012, etc.), Color ( black, white, silver, etc.), mileage, transmission type (automatic, manual), and whether or not there is an accident [cause of an accident (simple contact/minor/major), no accident].

When the server 110 receives the provisional estimate request information through the website, it searches the provisional estimate database 111 based on the vehicle information of the requested new vehicle received from the seller PC 120 and stores the searched data. Based on the calculation of a tentative estimate amount (S214), it is transmitted to the seller PC 120 through the website (S216).

A method in which the server 110 searches the provisional estimate database 111 based on vehicle information of the new vehicle requested for provisional estimate and calculates the provisional estimate amount will be described in detail.

First, price information of a new car based on a vehicle name (model name), a detailed model name of the corresponding vehicle, a grade for the corresponding detailed model name, and a type of transmission is stored in the preliminary estimate database.

For example, in the above example, the vehicle name is Grandeur, the detailed model name is Grandeur HG, the grade is HG240 Luxury, and the price information of the new car for the automatic transmission is stored at 40 million won.

Now, when there is a request for a tentative estimate, the server 110 extracts the price information of a new car of the same specification as the vehicle name (model name), the detailed model name, the grade of the corresponding detailed model name, and the type of transmission from the vehicle information (S310) ).

If the vehicle information of the requested new car is, for example, the vehicle name of the Grandeur, the detailed model name of the Grandeur HG, and the grade name is HG240 Luxury, the new car price corresponding to the same data as the data of the Grandeur, Grandeur HG, and HG240 Luxury is extracted. As in the above, 40 million won is extracted.

Next, a step of calculating a deduction value at the deduction ratio set for the deduction element is performed.

The deduction factors are the age, mileage, and the presence or absence of an accident, and the deduction ratio is determined according to the deduction factors.

When the deduction factor is the model year, the first deduction value is calculated by deducting the period from the model year of the new car for which the estimate is requested to the year and month at the time of requesting the estimate at the first deduction ratio set on an annual basis (S312).

For example, if the year of the new car is January 2011 and the current January 2013, if the set first deduction rate is 5%/year, 40 million * 0.05 = 2 million won, 38 million won * 0.05 = 1.9 million won. In the end, 200 + 190 = 3.9 million won (the first deduction value) is deducted.

Then, when the deduction factor is the mileage, a second deduction value is calculated by subtracting the deduction factor according to the second deduction ratio according to the mileage ( S314 ).

For example, when the mileage of the new car is 20,000 Km, if the second deduction ratio is, for example, 5%/10,000 Km, 40 million * 0.1 = 4 million won is deducted.

When the deduction factor is the presence or absence of an accident, if there is an accident, a third deduction value is calculated by deducting it at the set third deduction ratio (S316).

In case of an accident, the deduction rate for accidents is deducted in three stages. The deduction rate is different depending on simple contact, minor accident, and serious accident. For simple contact, the deduction rate is 3%, for example, 10 for minor accidents. The deduction rate is %, and for serious accidents, the deduction rate is 30%.

Therefore, for example, in the case of simple contact, 4000 * 0.03 = 1.2 million won is deducted.

Finally, when the deduction factors, that is, the first deduction value, the second deduction value, and the third deduction value, are sequentially subtracted from the extracted price information of the new vehicle (S318), the final provisional estimate amount is calculated.

In the above example, 40 million - (390 + 400 + 120) = 31 million won comes out as a tentative estimate.

In addition, the first deduction ratio, the second deduction rate, and the third deduction rate are set by analyzing the data value of the existing transaction information.

The server 110 transmits the tentative estimate amount calculated as described above to the seller PC 120 , for example, by displaying it through a website managed and operated by the server 110 and transmitting the tentative estimate amount to the seller PC 120 . can

Then, the server 110 searches the transaction information database 112 at the same time or immediately after the provisional estimate amount is displayed, and extracts the previous transaction information in which the transaction has been made for the same vehicle name, detailed model name and grade as the new vehicle requested for provisional estimate information, and This is transmitted to the seller PC 120 (S217).

The previous transaction information searches the transaction information database 112 for the same vehicle name, the same detailed model name, the same grade, and the same transmission as the vehicle requested for quotation, extracts the sales amount of the previous transaction information, and sets the extracted sales amount to the mileage, It is transmitted along with color and accident information.

In this case, the method of transmission is transmitted by displaying it through the website.

For example, if the vehicle name is Grandeur, the detailed model name is Grandeur HG, and the grade name is HG240 Luxury, the previous transaction sales amount: 33 million won, mileage 25,000 km, and no accident are displayed.

At this time, the server 110 divides the extracted previous transaction information into domestic vehicles and export vehicles and transmits them.

That is, when displaying the previous transaction information, it is distinguished whether the vehicle is an export vehicle or a domestic vehicle. According to this, information on whether the vehicle sold in the previous transaction information is an export vehicle or a domestic vehicle is also provided to the seller. By doing so, reliable information can be provided to the seller so that the reliability judgment of the estimated amount can be made.

Now, the server 110 asks the seller PC 120 through the website whether to proceed to the original estimate request step (for example, do you want to request a real estimate?) (S218).

The seller PC 120 receiving the request for whether to proceed with the actual estimate from the server 110 transmits an acceptance response or a rejection response to the server 110 .

When the seller PC 120 responds to the rejection (S29), the quotation service is terminated without proceeding to the actual quotation step (S232).

When the seller PC 120 makes an acceptance response (S220), and transmits the data requesting a real quotation to the server 110 (S221), the real quotation step proceeds.

The acceptance response and the rejection response are, for example, the seller PC that has received the tentative estimate amount and the pre-transaction information from the server 110 compares the pre-transaction sale price with the tentative estimate amount among the pre-transaction information, and then the provisional estimate amount is the pre-transaction sale If it is greater than the price, the following acceptance response is made, and if the tentative estimate amount is less than the previous transaction price, a rejection response is made.

When a signal for requesting a real quotation is transmitted from the seller PC 120, a real quotation request fee is charged (S222).

Fee billing is performed by executing a fee payment program.

After the real estimate request fee is charged, the vehicle information of the vehicle requesting the real estimate is posted along with the indication that it is the actual quotation request vehicle through the website managed and operated by the server 110 (S224).

A plurality of purchaser PC 130 transmits the actual estimate amount for the vehicle to the server 110 through the quotation input menu (S226) (S226).

At this time, in one embodiment of the present invention, when the purchaser PC 130 inputs the actual estimate, whether the purchaser is a domestic new car dealer or a new car exporter is also inputted. According to this, there is an advantage that can provide faithful information to the seller by informing the seller whether the buyer who entered the estimated amount is an exporter or a domestic new car dealer.

The server 110 transmits the original estimate received from the purchaser PC 130 to the seller PC 120 (S228).

And, the server 110 is characterized in that it transmits the purchaser's classification together with the actual estimate amount input by the purchaser PC 130 to the mobile communication terminal of the seller (S230).

As such, the preferred embodiments according to the present invention have been reviewed, and the fact that the present invention can be embodied in other specific forms without departing from the spirit or scope of the present invention in addition to the above-described embodiments is common knowledge in the art. It is self-evident to those who have it.

Therefore, the above-described embodiments are to be regarded as illustrative rather than restrictive, and accordingly, the present invention is not limited to the above description but may be modified within the scope of the appended claims and their equivalents.

30: subscriber terminal
40: wireless communication system
210: End of operation group
220: in-vehicle device
230: user terminal
240: satellite
250: car insurance premium calculation system server
260: insurance company
430: driver data collection unit
440: terminal authentication unit
450: big data processing unit
470: Firmware upgrade unit
110: server 111: hypothetical database
112: transaction information database 120: seller PC
130: Buyer PC

Claims (4)

The operation group terminal is equipped with a machine-to-machine communication module and is used in connection with a cigar jack in the vehicle; and
A server that receives the operation information collected from the operation group terminal; and
A user terminal that receives feedback on the driver's driving habits in conjunction with the server; and
Auto insurance premium and new car unmanned estimating system, characterized in that it is composed of; in conjunction with the server, registration and cancellation of the user terminal, and registration and cancellation of the operation group terminal.
According to claim 1,
At the end of the operation group,
A GPS module capable of communicating with a satellite and collecting location information of the operation group terminal; and
A communication modem that can connect to a wireless communication network and transmit various data; and
A SIM chip installed in the communication modem and storing information of subscribers and operation group terminals; and
An accelerometer that acquires vehicle speed information and acceleration information; and
A gyro sensor that detects which direction the vehicle in motion is facing; and
A Bluetooth device that can send and receive information through communication with a user terminal and can also send and receive information with an in-vehicle device; and
A memory for temporarily storing various data of the operation group terminal or storing environment setting information; and
A control unit for controlling the GPS module, the communication modem, the accelerometer, the gyro sensor, the Bluetooth device, and the memory;
According to claim 1,
The server is
a driver identification unit receiving a driver identification through which the user can be identified through communication with the user terminal or the driving group terminal;
a driver data collecting unit that receives and classifies and stores the driving information data collected from the driving group terminal in real time through a communication network;
a terminal authentication unit for performing mutual authentication before communication between the operation group terminal and the server;
a big data processing unit that extracts data from the driver data collection unit and calculates the driver's risk as driving information data;
an automobile insurance premium calculation unit for determining a discount or a premium for insurance premiums according to the driver's risk calculated by the big data processing unit;
a firmware upgrade unit that performs a function to upgrade the firmware of the operation group terminal;
and a control module for controlling the driver identification unit, the driver data collection unit, the big data processing unit, the automobile insurance premium calculation unit, and the firmware upgrade unit.
The seller PC 120 transmits information on the new car, which is the vehicle for which the quotation request is made (S212);
The server 110 searches the provisional estimate database 111 based on the vehicle information of the new car for which the provisional estimate is requested received from the seller PC 120 and calculates the provisional estimate amount (S214), which is transmitted to the seller PC 120 transmitting (S216);
The server 110 searches the transaction information database 112, extracts the transaction information on which the transaction has been made for the same vehicle name and detailed model as the new vehicle requested for the provisional estimate information, and transmits it to the seller PC 120 (S217);
The server 110 requests the seller PC 120 as to whether to proceed to the original estimate request step (S218);
If the seller PC 120 receiving a request from the server 110 to proceed to the actual quotation request step responds to rejection to the server 110 (S219), the quotation service is terminated without proceeding to the actual quotation step ( S232);
The seller PC 120 receiving a request from the server 110 to determine whether to proceed to the real quotation request step makes an acceptance response (S220), and the seller PC 120 requests a real quotation to the server 110 (S221) );
When the real quotation request signal from the seller PC 120 is transmitted to the server 110, the step of charging the real quotation request fee (S222);
Posting the vehicle information of the vehicle for which the actual quotation is requested through the website managed and operated by the server 110 together with an indication of the vehicle for which the quotation is requested (S224);
Step (S226) of a plurality of purchasers PC 130 transmitting the actual estimate amount for the vehicle to the server 110;
The server 110 is configured to include the step (S228) of transmitting the original estimate amount received from the buyer PC 130 to the seller PC,
In the step (S217) of extracting the previous transaction information and transmitting it to the seller PC 120, the previous transaction information is extracted by searching the transaction information database for the same vehicle name, the same detailed model name, and the same grade as the vehicle for which the quotation was requested. do,
The extracted pre-transaction information is divided into domestic and export vehicles and transmitted to the seller PC 120 along with the transaction amount, mileage, and color.
In the tentative estimate database 111, price information of a new car based on a vehicle name, a detailed model name of the vehicle, a grade for the corresponding detailed model name, and a type of transmission is stored,
How the server 110 calculates the tentative estimate amount,
The server 110 extracts the price information of a new car of the same specification as the vehicle name, the detailed model name, the grade of the corresponding detailed model name, and the transmission type from the vehicle information from the tentative estimate database (S310),
A first deduction value is calculated by deducting the period from the model year of the new car requested for a tentative estimate to the year and month at the time of requesting the estimate from the extracted price information of the new car at a first deduction ratio set on an annual basis (S312),
A second deduction value is calculated by deducting a second deduction ratio set according to the mileage from the extracted price information of the new car (S314),
If there is an accident from the extracted price information of the new car, a third deduction value is calculated by deducting it at a set third deduction ratio (S316),
Auto insurance premium and new car unmanned estimating method, characterized in that the first deduction value, the second deduction value, and the third deduction value are sequentially subtracted from the extracted price information of the new car (S318) to calculate a tentative estimate amount.

Images