TW202234330A - Transaction method for vehicle insurance system by which fees of insurance are calculated according to the use time of a vehicle - Google Patents

Abstract

A transaction method for a vehicle insurance system is disclosed, which is composed of a user end, a platform end, and an insurance undertaking end; the user end further comprises a communication device and a sensing device, and the sensing device is mounted on a connection end of a vehicle and detects a use status of the vehicle to generate a signal to the communication device, and the communication device transmits vehicle starting information to the platform end; the platform end is used for receiving the signal from the communication device and confirming whether the user end uses the vehicle or not during an insurance policy period, the platform end calculates fees according to the use time of the user end so as to lower the economic burden of consumers of the user end and also to increase the insurance rate and the insurance renewal rate of the customers, thereby achieving an effect of win-win for both brokers and the consumers.

Description

Transaction method of vehicle insurance system

The present invention relates to the field of computer technology, and particularly refers to an insurance business transaction system method, which enables consumers to choose suitable insurance content according to their own car needs, the number of times they use the car, and the mileage of the car, so as to achieve the advantage of accurate costs. .

Press, with the improvement of consumers' concept of insurance, many people will use insurance as an important tool for risk management, and the content of insurance and insurance items are quite large and professional, and consumers are quite troubled in choosing.

Take car insurance as an example: the insurance premium is calculated based on the vehicle type and the owner's age, gender, and accident rate. In order to reduce the burden, consumers often buy cheap but not necessarily suitable insurance. Underinsured or even uninsured conditions are commonplace at the time of an accident.

For example, the above system: commuters in urban areas take public transportation to commute on weekdays, and may use cars only on holidays, but they have to pay annual car insurance premiums, which is not only expensive but also unfair.

The main purpose of the present invention is to provide a transaction method of a vehicle insurance system, so as to provide a charging mechanism with a competitive and higher insurance rate. In order to realize the purpose of the present invention, the technology of the present invention is as follows:

It consists of a user terminal, a platform terminal and an underwriting terminal;

The aforementioned client terminal is connected to the platform terminal by the consumer through an electronic device (such as a computer, tablet computer, mobile phone), and through the aforementioned platform terminal, the vehicle of the client terminal is insured, and the insurance terminal undertakes insurance for the vehicle of the client terminal; the The client terminal further includes a communication device and a sensing device provided by the platform terminal, the aforementioned sensing device is set on a vehicle of the aforementioned client terminal, and the aforementioned vehicle is provided with a connection terminal and detects the state of the vehicle and generates a signal to the user terminal. the communication device, and the communication device sends vehicle motion information to the platform;

The aforesaid platform terminal is used to match the user terminal and the underwriting terminal. The platform terminal is provided with a receiving device and a vehicle behavior database. The aforesaid receiving device is used to collect the vehicle behavior information transmitted by the communication device. The database stores multiple pieces of vehicle detail information; it is characterized by:

The platform side compares the vehicle motion information sent by the communication device of the client side with the vehicle detail information, determines whether the vehicle has started or moved, and calculates the fee according to the usage time of the vehicle, and the platform side further includes a payment module , the payment module provides the client to pay fees.

Through the above description, the present invention is characterized in that: the platform terminal can prepay the fee to the insurance terminal, and the fee is calculated according to the time when the user terminal uses the vehicle, and the consumer only needs to pay a reasonable fee, which will not cause the consumer economy It also increases the investment (continuation) insurance rate of consumers, allowing operators and consumers to achieve a win-win effect.

In an embodiment of the present invention, the sensing device is used to detect whether the vehicle is started, or detect whether the vehicle is moving through GPS, and then calculate a reasonable fee through the detection device and the communication device.

As shown in FIG. 1 , the specific technical solution of the transaction method of the vehicle insurance system of the present invention is as follows: it includes a user terminal 1 , a platform terminal 2 , and an insurance terminal 3 .

As shown in Figures 1 and 2, the aforementioned client 1 is the consumer's or user's personal computer, or a device such as a smart device; the aforementioned client 1 is connected to the platform 2 through the Internet, and the platform 2 Create personal data. The aforementioned personal data can include any of the following information: name, gender, date of birth, years of driving experience, vehicle registration information, driving habits or attitudes, etc.; the management operator of the platform terminal 2 provides the user terminal 1 A sensing device 11 is bound to a communication device 12 of the client 1. The aforementioned sensing device 11 is installed on the vehicle of the client 1. The sensing device 11 can be installed on any connection end of the vehicle. The connection end of the device can be any of the following connection devices: cigarette lighter, accelerator, handbrake, trip computer (OBD II), exhaust pipe, tires, etc. The purpose of the sensing device 11 is to detect whether the vehicle is moving, Whether it is activated or not, if the vehicle moves, the sensing device 11 generates a signal to the communication device 12 , and the communication device 12 sends the action information to the platform 2 .

As shown in Figure 1, the insurance terminal uses the Internet to provide users of the client 1 to apply for insurance. The insurance terminal 3 is an insurance company, and the insurance terminal 3 can provide consumers to review the detailed insurance contract content, insurance conditions, etc. And the insurance contract is sent to the client 1 by the underwriting terminal 3 . If consumers want to know further insurance plans, claims procedures, or claims content, claims, and claims criteria, etc., they can also connect to the insurance terminal 3 through the platform terminal 2 to check further information.

The aforementioned platform terminal 2 is used for matching the client terminal 1 and the underwriting terminal 3 . The platform terminal 2 is provided with a receiving device 21 and a vehicle behavior database 22 , and the aforementioned receiving device 21 is used for collecting the data transmitted by the communication device 12 . The vehicle behavior information, the vehicle behavior database 22 stores multiple pieces of vehicle detail information, and the vehicle behavior information sent by the communication device 12 of the client 1 is compared with the vehicle detail information to determine whether the vehicle has started or moved. If there is movement, the fee will be calculated according to the timing of use.

As shown in FIG. 1; the platform end 2 further includes a payment module 23, which provides the user end 1 to pay fees, and pays the fees to the underwriting end 3. It is worth mentioning that the platform end 2 and the underwriting end Terminal 3 may have related supporting solutions, for example, platform terminal 2 prepays the fee to insurance terminal 3, and in the future, according to the usage time of the vehicle of user terminal 1, the fee is calculated and then the consumer pays the fee to the platform terminal 2 through the payment module 23. industry.

Based on the above description, the applicable embodiments of the present invention will be described below.

Consumers of client 1 apply for insurance through platform 2 to underwriting client 3, insurance client 3 will generate an insurance contract and send it to client 1 (whether it is an electronic file or a paper document), and platform 2 will provide The sensing device 11 is given to the user terminal 1, so that the user terminal 1 can install the sensing device 11 on the connecting end of the vehicle. Taking FIG. 2 as an example, it is installed in the USB connection hole of the vehicle as an example, but in fact, it can be installed according to the user terminal 1. It needs to be installed in the foot brake, or the accelerator, or the handbrake, or the chassis, or the engine room. As long as the vehicle is moved, the sensing device 11 will send a signal to the platform end 2 through the communication device 12 of the user end 1, and the platform The terminal uses the receiving device 21 to receive the signal, and uses the data of the vehicle behavior database 22 to compare again. After confirming that there is a moving vehicle, the platform terminal 2 starts to calculate the fee, and the platform terminal 2 notifies the user terminal 1 to pay the fee; the user terminal 1 You can choose the daily payment plan, or every (multiple) weekly payment plan, or each (multiple) monthly payment plan, or the (semi) annual payment plan, and according to the payment plan of the client 1, through the payment module 23 The payment code is generated and provided to the consumer of the user terminal 1 to pay the fee. In this way, the platform terminal can pay the fee to the insurance terminal in advance, and calculate the fee according to the time when the vehicle is used by the user terminal. The consumer only needs to pay a reasonable fee, It will not cause the economic burden of consumers, and also improve the investment (continuation) insurance rate of consumers, so that operators and consumers can achieve a win-win effect.

Using the technology of the present invention, the sensing device 11 detects that the vehicle has started, or stepped on the accelerator, or detects the movement of the vehicle through GPS, and sends information to the platform 2 through the detection device 11 and the communication device 12. , further, when the vehicle of the user terminal 1 is stolen, the police can be notified at the first time, and the position of the vehicle can be located at the same time, and at the same time, Xiao Xiao can dispel the idea of stealing.

Through the above-mentioned two embodiments and the system of the present invention, consumers pay reasonable fees according to their own needs, and at the same time use the communication device 12 and the sensing device 11 to confirm whether the consumer uses a vehicle during or outside the insurance period, according to the use of the vehicle. On the basis of consumer payment, consumers only need to pay a reasonable fee, which will not cause consumers' economic burden, and also improve consumers' investment (continuation) insurance rate, so that operators and consumers can achieve a win-win effect.

The aforementioned platform 2 can not only connect to the operator server of the platform 2 through the Internet, but also through the application program on the smart device. The platform 2 can also integrate “LINE@” to provide users with Terminal 1, such as debit notification, promotion notification, advertisement broadcast, or abnormal vehicle movement and other information.

In some embodiments, the sensing device 11 can further collect the user's information in addition to detecting whether the vehicle is started, whether there is a driving behavior, etc., for example, when the user is driving a long distance, the platform 2 will generate a notification notification The user should take a rest and provide the information of the nearby rest stop; or the sensing device 11 is connected to the vehicle computer (OBD2), when the temperature of the vehicle water tank is too high or the temperature of the engine room is too high, a notification can be generated to provide the owner to pay attention to the vehicle condition. In addition, through the advertisement broadcasting service of the platform terminal 2, in addition to providing insurance information and advertisements for automobile accessories, government departments can also send traffic jam warnings and government decrees. Accordingly, the system of the present invention can achieve the purpose of safe driving.

To sum up, none of the system methods used in the present invention have been found in books or publicly used, and they are in line with the requirements for an invention patent application.

It should be stated that the above is the technical principle immediately used in the specific implementation of the present invention. If changes are made according to the concept of the present invention, the resulting functions still do not exceed the spirit covered by the description and drawings. All should be within the scope of the present invention, and it should be stated together.

1: Client 11: Sensing device 12: Communication device 2: Platform side 21: Receiver 22: Vehicle Behavior Database 23: Payment Module 3: Underwriting side

FIG. 1 is a system diagram of the present invention. FIG. 2 is a schematic diagram of the operation of the client and the platform.

1: Client

11: Sensing device

12: Communication device

2: Platform side

21: Receiver

22: Vehicle Behavior Database

23: Payment module

3: Underwriting side

Claims (3)

A transaction method of a vehicle insurance system, comprising a user terminal, a platform terminal and an underwriting terminal; The aforementioned client terminal is connected to the platform terminal by the consumer through an electronic device (such as a computer, tablet computer, mobile phone), and through the aforementioned platform terminal, the vehicle of the client terminal is insured, and the insurance terminal undertakes insurance for the vehicle of the client terminal; the The client terminal further includes a communication device and a sensing device provided by the platform terminal, the aforementioned sensing device is set on a vehicle of the aforementioned client terminal, and the aforementioned vehicle is provided with a connection terminal and detects the state of the vehicle and generates a signal to the user terminal. the communication device, and the communication device sends vehicle motion information to the platform; The aforesaid platform terminal is used to match the user terminal and the underwriting terminal. The platform terminal is provided with a receiving device and a vehicle behavior database. The aforesaid receiving device is used to collect the vehicle behavior information transmitted by the communication device. The database stores multiple pieces of vehicle detail information; it is characterized by: The platform side compares the vehicle motion information sent by the communication device of the client side with the vehicle detail information, determines whether the vehicle has started or moved, and calculates the fee according to the usage time of the vehicle, and the platform side further includes a payment module , the payment module provides the client to pay fees. The transaction method of the vehicle insurance system according to claim 1, wherein the sensing device is used to detect whether the vehicle is started, or detect whether the vehicle is moving through GPS, and calculate the reasonableness through the detection device and the communication device. cost. The transaction method for a vehicle insurance system according to claim 1, wherein the sensing device is installed on any connection terminal on the vehicle, and the aforementioned connection terminal can be any of the following connection devices: cigarette lighter, accelerator, handbrake , trip computer (OBD II), exhaust pipe, tires.

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