TWI633509B - Mobile management system of social group insurancepolicy - Google Patents

Abstract

The invention discloses an action management system for social cluster insurance, which is used for reducing the risk probability of an insurance group during an insurance period, which comprises a data extractor, a wireless transmission unit, a cloud server and a community sharing unit. . The data capture device captures driving information of one of the insured vehicles, transmits the driving information to the cloud server through the wireless transmission unit and stores the information in a database, and the processor sends a security reminding message according to the driving information in the database. The community sharing unit provides each insured to view the driving information and receive a security reminder message to actively push each insured to reduce the chance of the insurance. Compared with the prior art, the present invention provides a community management system, which can effectively reduce the risk probability through system management.

Description

Community Cluster Insurance Action Management System

The present invention relates to a community management system, and in particular to an action management system for social cluster insurance with a security alert function.

With the evolution of the times, automobiles have become an indispensable means of transportation in human life, and the popularization of automobiles has also gradually paid attention to automobile insurance. The so-called automobile insurance, that is, motor vehicle insurance, referred to as automobile insurance, refers to the natural disaster caused to motor vehicles. A commercial insurance that is liable for personal injury or property damage caused by an accident. The basic function of insurance is to organize economic compensation and realize the payment of insurance premiums. It is also the basic function of motor vehicle insurance. Through motor vehicle insurance, the risks and consequences of the risks faced by enterprises, families and individuals with motor vehicles can be dispersed and passed on throughout the society, reflecting the social principle of “collecting dangers and dispersing losses”.

However, such auto insurance still has some shortcomings, the most obvious of which is the Adverse Selection of the market. Driving habits directly affect the safety of driving. In comparison, drivers with poor driving habits have higher driving risks. However, they also have a higher willingness to purchase auto insurance, and increase the risk of high-risk driving insured. , the ratio of claims will also increase, which directly affects the premiums paid. With the increase in insurance premiums, the willingness to pay for low-risk driving will decline, thus creating a vicious circle and violating insurance intentions.

Furthermore, with Fintech's subversive innovations for the insurance industry, "P2P insurance", which was born in response to the Internet and the sharing economy, has gradually sprouted in countries in recent years, such as Guevara in the UK and Friendsurance in Germany. The first P2P insurance startup in the United States, Lemonade, and so on. P2P (peer-to-peer) originally refers to the data sharing technology of users on the computer and individual users. This P2P concept is used in the financial industry. It originated from the "P2P network lending" that originated in the UK in 2005. It is different from the traditional cumbersome procedures for borrowing from banks, and the high cost of lending. P2P lending uses the Internet to directly promote personal lending. With the needs of the lender. The spirit of P2P insurance lies in the use of the community to allow the policyholders to care and supervise each other, so as to reduce the risk of insurance fraud and claims, and to give back to the policyholders due to the reduction of claims.

However, the conventional technology only has a limited effect on reducing the risk rate through the care and supervision of the members of the community. Therefore, the present invention proposes an action management system for social cluster insurance, which can be more efficient through system management. The land is reduced by the opportunity to achieve a win-win situation.

The invention provides an action management system for social cluster insurance, which is used for reducing the risk probability of an insurance group during an insurance period. The insurance group includes a plurality of policy applicants, and each insured person corresponds to one insurance vehicle. It includes a data extractor for capturing driving information of each insured vehicle. A wireless transmission unit is coupled to the data capture device for transmitting driving information. A cloud server includes a database and a processor. The cloud server receives the driving information and stores it in the database. The processor connects the database and sends a security reminder message according to the driving information. And a community sharing unit, wirelessly connected to the cloud server, to provide each insured person to view the driving information of each insured vehicle, and receive a security reminder signal and display it to the insured person, thereby The risk of insurance for low insurance groups.

Further, the insurance group is composed of a main policyholder, and the community sharing unit includes a background management module, a data sharing module, a security alert module, and a user interface. The back-end management module is used to provide the main insured to the community management of the insurance group. The data sharing module is used to provide each insured person with instant message transmission. The security alert module is used to actively push the insured to the insured based on the security alert signal. And the user interface provides each insured to operate the community sharing unit.

In practical applications, the data capture device of the present invention can be an On-Board Diagnostics (OBD), which can be installed in an insured vehicle and automatically captures driving distance, time, location, speed and other related driving information. . In other embodiments, the data extractor includes one or a combination of a group of mobile devices, a line of vehicle recording devices, a drunk driving device, and a sleep detecting device.

It is worth mentioning that the action management system of the cluster insurance of the present invention is an insurance plan that returns a reward to the insurance group when the risk probability of the insurance group is less than or equal to a set value during the insurance period. In addition, the insured's driving information can also be used as the basis for the calculation of the next insurance premium rate. In this way, the policyholders are urged to maintain good driving habits in order to reduce the chance of risk.

Compared with the prior art, the present invention proposes an action management system for social cluster insurance, which not only has the care and supervision of each insured person who provides the insurance group with the general community function, but also uses the system management method according to the policyholder. The driving information judges the driving behavior and actively pushes the safety reminding message to the insured to achieve the role of reminder. With continuous system monitoring, not only can the risk probability be effectively reduced, but also the driving habits of the insured can be improved and the overall road can be improved. Safety.

10‧‧‧ data extractor

20‧‧‧Wireless transmission unit

30‧‧‧Cloud Server

32‧‧‧Database

34‧‧‧ Processor

40‧‧‧Community sharing unit

42‧‧‧Background Management Module

44‧‧‧Data Sharing Module

46‧‧‧Safety Warning Module

48‧‧‧User interface

48-1‧‧‧ Driving Information

48-2‧‧‧ Warning record

48-3‧‧‧Social platform

48-4‧‧‧Returning gold trial

S ₁ ‧‧‧ Driving Information

S ₂ ‧‧‧Security Alert Message

1 is a functional block diagram of an action management system for the cluster insurance of the present invention.

2 is a functional block diagram of a community sharing unit of the present invention.

3 is a schematic diagram showing a user interface of the community sharing unit of the present invention.

4 to 7 are schematic diagrams showing the function of the user interface of the present invention.

Please refer to FIG. 1. FIG. 1 is a functional block diagram of an action management system for a cluster insurance of the present invention. The invention provides an action management system for social cluster insurance, which is used for reducing the risk probability of an insurance group during an insurance period. The insurance group includes a plurality of policy applicants, and each insured person corresponds to one insurance vehicle. It includes a data capture device 10 for capturing driving information S _{1 of} each insured vehicle. A wireless transmission unit 20 is coupled to the data extractor 10 for transmitting driving information S ₁ . A cloud server 30, includes a database 32 and a processor 34, 30 receives traffic information server cloud S ₁ and stored in the database 32, database 32 connected to the processor 34, security alert message issued based on traffic information S ₁ S ₂ . And a community sharing unit 40, wirelessly connected to the cloud server 30, for providing each insured to view the driving information S _{1 of} each insured vehicle, and receiving the security alert signal S ₂ and displaying it to the policyholder. Reduce the risk of insurance groups.

In a specific embodiment, the community cluster insurance disclosed in the present invention may be composed of a group of primary insured persons or a pair of insurance companies. The main insured person can form an insurance group based on the knowledge of relatives and friends and the risk assessment to find relatives and friends with relatively low risk rate. Each insured person of the insurance group corresponds to one insured vehicle, and the data picker 10 is installed on the insured vehicle. The device 10 can be an on-board automatic diagnostic device (On-Board Diagnostics (hereinafter referred to as OBD). The OBD is connected to the vehicle's driving computer, and can capture daily driving distance, location, speed, time, and whether or not the speeding violation is driving information. S _1, S ₁ by the traffic information is transmitted to the wireless transmission unit 30. The wired transmission cloud server wherein the wireless transmission module 20 permeable USB2.0, mini USB, micro USB, USB TypeB, USB3.0, ThunderBolt like 20 The mode, or the wireless transmission mode such as Bluetooth, Wi-Fi, IEEE802.15.4, Zigbee, etc., receives the driving information S ₁ and then transmits it to the cloud server 30 via the Internet.

The cloud server 30 connects to the central weather bureau, the national road information center and other related websites to read driving safety related information such as climate information and road condition information through a network network, and includes a database 32 and a processor 34. Cloud server 30 receives traffic information S ₁ and stored in the database 32, the processor 34 is connected to the database 32, can travel by S ₁ with information related to traffic safety messages, send a security alert message S _2. For example, if the cloud server 30 receives the line information S ₁ , the driving information S ₁ indicates that the insured vehicle A is traveling in the Taitung Mountain area, and the weather information obtained by the Central Meteorological Bureau is known to have a heavy rain report in the area. When the dirt flow is caused, the processor 34 sends a safety alert message S _{2 to} notify the insured vehicle A to pay attention to driving safety; if the cloud server 30 receives the line information S ₁ , the driving information S ₁ indicates that the insured vehicle B is driving on the highway. At a speed of 150 kilometers per hour, the speed limit of the road section is 110 kilometers. The processor 34 sends a safety alert message S _{2 to} notify the insured vehicle B to slow down.

Please refer to FIG. 2. FIG. 2 is a functional block diagram of the community sharing unit of the present invention. The community sharing unit 40 can be a mobile device, a personal digital assistant, or a smart assistant, but is not limited thereto. The network is connected to the cloud server 30, and includes a background management module 42 and a data sharing module 44. A security alert module 46 and a user interface 48. The security alert module 46 receives the security alert message S ₂ and actively pushes it to the policyholder. The push mode can be a sound push, a video push broadcast, or a combination of sound and video. The background management module 42 provides the primary insured to manage the insurance group. The primary insured can invite or remove members of the insurance group through the background management module 42 or set the broadcast rule of the security alert message S ₂ , for example, setting the speed limit to more than one. Set the value, or send a safety alert message S ₂ when the speed limit is exceeded, or set other management functions. The data sharing module 44 can provide real-time data transmission between the insured persons. The data transmission category includes sound, video and text, but is not limited thereto. The insured can share the traffic information, tourist attractions or through the data sharing module 44. Care about other policyholders to connect with community feelings. The user interface 48 provides the insured person with convenient and simple operation of the community sharing unit. The insured can check the driving information S ₁ of each insured through the user interface 48 and receive all insurance groups through the user interface 48. The member's security alert message S _{2 is} pushed, or only the security alert message S ₂ that belongs to the own vehicle is pushed (it cannot be set to not accept the security alert message S ₂ push broadcast).

It is worth mentioning that the action management system of the social group insurance of the present invention may be a kind of insurance that returns the insurance to the insurance group when the risk rate of the insurance group member is less than or equal to the set value of the insurance rate during the insurance period. plan. The amount of rewards is based on the ratio of the average risk rate of the insurance group and the set point of the risk rate. When the average risk rate is zero, the most rewards are available. Through the feedback system, members of the insurance group can be encouraged to work together to achieve the goal of zero risk. In addition, the insured's driving information S ₁ can also be used as the basis for the calculation of the next insurance rate, prompting the insured to develop safe driving. habit.

In another embodiment of the present invention, the data collection device 10 of the action management system insurance of the present invention may include a mobile device, a line of vehicle recording device, a drunk driving detection device, and a sleep detecting device. One or a combination of the constituent groups. The above devices have different functions and can be respectively installed in corresponding positions in the vehicle. For example, the mobile device can be installed above the dashboard in front of the driver's seat to measure information such as acceleration and driving time during driving; the driving record device can be erected behind The position of the mirror is taken to capture the dynamic image during driving; the drunk driving detection device can be installed near the driver's seat to detect the concentration of alcohol in the air; the sleep detection device can be installed in front of the driver's seat to detect the number of blinks and the frequency of the driver. Wait. The data capture device 10 can transmit various driving information S ₁ to the cloud server 30 through the wireless transmission unit 20, determine the driving information S ₁ by the processor 34 of the cloud server 30, and send a security alert message S _{2 .} To the policyholder.

Please refer to FIG. 3 to FIG. 7. FIG. 3 is a schematic diagram showing a user interface of the community sharing unit of the present invention, and FIG. 4 to FIG. 7 are diagrams showing functions of the user interface of the present invention. In another embodiment of the present invention, the user interface 48 of the community sharing unit 40 of the present invention is a smart phone application, including driving information 48-1, alert record 48-2, and social platform 48. -3 and feedback function 48-4 and other functions, after the insured downloads the application and logs in, you can click on the driving information 48-1 on the user interface 48 to enter the driving information page, and you can view the personal driving information of each insured vehicle. ₁ , or read the report generated by the processor 34 according to the driving information S ₁ of each policyholder, for example, the speeding statistics table in the past week, the average driving time in the past month, and the security alert message S ₂ received today. Information report such as the number of times. Click the warning record 48-2 to enter the warning statistics page, you can count all the security reminders S ₂ received by the insurance group in the near future, which is convenient for the insured to view. Click on social platform 48-3 to enter the social platform page to provide information exchange between policyholders. The functions are similar to social websites such as FaceBook, Instagram, Twitter, etc. Insured can share travel information, traffic status, mood sharing or simply on social platforms. Chat with other policyholders. Click the feedback test 48-4 to enter the feedback calculation page, you can click the cloud server 30 to read the data, according to the set point of the risk set at the time of insurance, and the current cumulative number of accidents to calculate how much can be obtained after the insurance expires. The amount of feedback, through the function of the feedback trial, allows the policyholder to better understand the current situation of the insurance group and make the feedback money transparent, whether it is more secure between the insurance company and the policyholder. The above-described embodiments are only one of the preferred embodiments of the user interface 48 of the community sharing unit 40 of the present invention, and the modifications of the present invention, including those known or conventionally practiced in the art to which the present invention pertains, are based on the principles of the present invention. It is within the scope of the invention.

Compared with the prior art, the present invention proposes an action management system for community cluster insurance. In the past, the P2P community insurance mainly used the community to let the policyholders care and supervise each other, thereby reducing the risk of insurance fraud and claims. However, it is obviously not reliable to restrict each other by the emotion between the policyholders. The present invention combines financial technology and community management. In addition to the functions of the general community, it also utilizes the technology of financial technology, according to the policyholders. The driving information judges the driving behavior. The system actively pushes the safety reminding message to the insured. After a long period of reminding and monitoring, not only can the risk of the insurance be reduced, but also the driving habits of the insured can be improved, thereby improving the driving style of the whole society.

The features and spirit of the present invention will be more apparent from the detailed description of the preferred embodiments. On the contrary, the intention is to cover various modifications and equivalents within the scope of the invention as claimed. Therefore, the scope of the patented scope of the invention should be construed as broadly construed in the

Claims (9)

An action management system for social cluster insurance is used to reduce the risk of an insurance group in one insurance period. The insurance group includes a plurality of insurance applicants, and each insurance applicant corresponds to one insurance vehicle, which includes: And a wireless transmission unit coupled to the data capture device for transmitting the driving information; a cloud server comprising a database and a processor The cloud server receives the driving information and stores the driving information in the database, the processor links the database, and sends a security reminding message according to the driving information; and a community sharing unit wirelessly connects to the cloud server Providing each insured person to inspect each driving information of each insured vehicle and receive the safety alert signal and display it to the insured persons, thereby reducing the risk probability of the insurance group; wherein the insurance group consists of one The composition initiated by the main policyholder, when the risk probability of the insurance group is less than or equal to the set value of the risk rate during the insurance period A back gold back to the insured population. For example, the action management system of the social cluster insurance described in claim 1 wherein the insurance group is composed of a primary insured person, the community sharing unit includes a background management module and a data sharing module. a security alert module and a user interface for providing the primary insured to the community management of the insurance group, the data sharing module for providing the insured for instant messaging The security alert module is configured to actively push the insured to the insured according to the security alert signal, and the user interface provides each insured to operate the community sharing unit. The action management system for social cluster insurance according to claim 1, wherein the data extractor is an On-Board Diagnostics (OBD). The action management system for social cluster insurance according to claim 2, wherein the onboard automatic diagnostic device is installed in the insured vehicle. For example, the action management system of the social cluster insurance described in claim 3, wherein the driving information includes daily driving distance, location, speed, time, and whether the speeding violation is in violation. The action management system of the social cluster insurance according to claim 1, wherein the data extractor comprises a mobile device, a car record device, a drunk driving device and a sleep detection device. One or a combination thereof is installed on the insured vehicle for controlling and tracking the driving record and behavior of the insured on the insured vehicle. For example, in the action management system of the social cluster insurance described in claim 1, the cloud server can connect information such as climate information and road condition information through the Internet. The action management system of the social cluster insurance according to claim 1, wherein the processor can generate a report according to the driving information of each insured vehicle, and provide each insured person to view. For example, in the action management system of the social cluster insurance described in the first paragraph of the patent application, the information of the driver of each insured can be used as the basis for calculating the next insurance premium rate.