TWI654580B - Vehicle insurance system - Google Patents

Abstract

The present invention provides a vehicle insurance system for performing a vehicle insurance for a vehicle insured by an insured vehicle, the insured vehicle including an in-vehicle device. The vehicle insurance system of the present invention comprises an insurance application module and a connection device. The insurance application module is implemented on a mobile device for performing vehicle insurance. The connecting device is disposed on the insured vehicle and connected to the in-vehicle device for fitting the mobile device. Wherein, when the applicant inserts the mobile device into the connecting device, the mobile device automatically activates the insurance application module, and the insurance application module performs vehicle insurance after performing an authentication procedure for the insured and the insured vehicle. Compared with the prior art, the present invention can complete the authentication process and automatically execute the vehicle insurance through a simple fitting action, thereby improving the safety and convenience of the user.

Description

Vehicle insurance system

The present invention relates to a vehicle insurance system, and more particularly to a vehicle insurance system having a user and an insured vehicle certification function.

UBI Auto Insurance (Usage Based Insurance) is also known as PAYD (Pay As You Drive) or PHYD (Pay How You Drive). The biggest difference between UBI auto insurance and traditional auto insurance is that traditional auto insurance assesses driving risk by static data such as driving age, gender, age, and place of residence. However, UBI auto insurance has changed the pricing model and changed to driving time and driving habits. Driving data such as driving mileage to assess risk, so that the vehicle insurance billing method is more in line with the actual risk assessment, and more fair and reasonable.

However, in the current UBI auto insurance situation in China, the user must photograph the starting mileage and the ending mileage of the insured vehicle and upload the cloud server to calculate the premium. Such a method not only causes trouble for the user, but the insurance company cannot confirm whether the photographed dashboard is the dashboard of the insured vehicle, and whether the driving is a policy of insured by the vehicle insurance. Another UBI vehicle insurance method is to connect the in-vehicle device through the mobile phone, and the mobile phone uploads the driving related data to the cloud server to calculate the premium. In this way, although the user does not need to shoot the dashboard, the user must complete the car insurance application on the mobile phone, connect the cloud server, connect the vehicle device, and the like, and the car insurance application during driving. It must be kept on and connected, with many limitations and power consumption.

In view of this, the present invention provides a vehicle insurance system for performing a vehicle insurance for a vehicle of at least one insurance vehicle, which includes an insurance application module and a connection device. The insurance application module is implemented in a mobile device, comprising an identification unit, a data storage unit and an insurance execution unit, the identification unit is configured to identify the insured and the insured vehicle, and the data storage unit is configured to prestore the insurance information of the vehicle insurance, and The insurance execution unit is used to perform vehicle insurance. The connecting device is fixed in the insured vehicle, and the connecting device includes a fitting component for fitting the mobile device. Wherein, when the applicant inserts the mobile device into the fitting component, the mobile device automatically activates the insurance application module, and after performing an authentication procedure for the applicant and the insured vehicle according to the insurance data, the vehicle executes the insurance execution unit to execute the vehicle. Insurance.

In a specific embodiment, the insurance information includes a first authentication information. When the mobile device automatically starts the insurance application module, the identification unit of the insurance application module requires the insured to input a second authentication information, if the first authentication information is If the second certification information is met, the certification procedure of the policyholder is completed.

In a specific embodiment, the insurance data includes a first vehicle identification code, the connection device includes a data storage device, and the data storage device prestores a second vehicle identification code. After the mobile device automatically activates the insurance application module, the identification unit of the insurance application module compares the first vehicle identification code and the second vehicle identification code, and if the two match, the certification procedure of the insured vehicle is completed.

In one embodiment, the vehicle insurance system of the present invention further includes a cloud server, and the mobile device includes a plurality of sensors and a network transmission module. After the insurance execution unit is activated, the insurance application module activates the sensors to record a first driving information, and transmits the first driving information to the cloud server through the network transmission module. Among them, the sensors The camera module includes a camera module and a positioning module, and the first driving information includes a line of vehicle images and a positioning information.

In one embodiment, the connection device further includes a charging module, and the charging module charges the mobile device when the mobile device is mated with the connecting device.

Compared with the prior art, the vehicle insurance system of the present invention utilizes the fitting authentication insured and the insured vehicle of the mobile device and the connecting device, and automatically opens the insurance application module to perform vehicle insurance, without complicated connection and photographing. , uploading and other operating procedures, greatly improving security and convenience.

100‧‧‧ Vehicle-mounted devices

200‧‧‧Connecting device

210‧‧‧ fitting components

220‧‧‧Information Capture Module

230‧‧‧ Data Storage Module

240‧‧‧Charging module

250‧‧‧Speakers

300‧‧‧ mobile devices

310‧‧‧ Insurance application module

312‧‧‧ Identification unit

314‧‧‧Data storage unit

316‧‧‧ Insurance Execution Unit

320‧‧‧Network Transmission Module

330‧‧‧ Sensor

400‧‧‧Cloud Server

500‧‧‧ Insured

600‧‧‧Insured vehicles

700‧‧‧ Driving computer

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a functional block diagram showing one embodiment of a vehicle insurance system of the present invention.

2 is a schematic diagram showing one embodiment of a vehicle insurance system of the present invention.

3 is a functional block diagram of another embodiment of a vehicle insurance system of the present invention.

4 is a functional block diagram showing another embodiment of the vehicle insurance system of the present invention.

Figure 5 is a partial enlarged view of the schematic view of Figure 2.

The spirit and features of the present invention will be more readily and clearly understood, and will be described and discussed in detail in the Detailed Description. It is noted that the specific embodiments are merely representative of the specific embodiments of the present invention, and the specific methods, devices, conditions, materials, and the like are not intended to limit the invention or the corresponding embodiments. also, The devices in the figures are only used to express their relative positions and are not depicted in their actual proportions.

Please refer to FIG. 1. FIG. 1 is a functional block diagram showing a specific embodiment of a vehicle insurance system of the present invention. The present invention provides a vehicle insurance system for performing an insurance policy for a vehicle applicant for at least one of the insured vehicles. In a specific embodiment, the insured person accesses the insurance provider's cloud server 400 through the mobile device 300 or the electronic device, and selects to purchase the vehicle insurance, wherein the vehicle insurance includes UBI (Usage Based Insurance) automobile insurance plan and monthly fee. Mileage insurance scheme, driver injury insurance, travel insurance, leisure and entertainment insurance, parking lot temporary parking insurance, etc., but not limited to this. After the purchaser completes the purchase, the insurance information related to the purchased vehicle insurance will be stored in the data storage unit 314 of the insurance application module 310, wherein the insurance application module 310 is an insurance application executed by the mobile device 300. (Application, APP). The stored insurance information includes: one first authentication information related to the applicant, one first vehicle identification code related to the insured vehicle, the purchased vehicle insurance contract content, and the like, but is not limited thereto.

On the other hand, when the insured purchases the vehicle insurance, the insurance provider will install the connecting device 200 in the insured vehicle according to the vehicle insurance content, and the connecting device 200 is fixed in the insured vehicle, and includes a fitting component 210 and a data storage. The device 230. The fitting component 210 is for fitting the mobile device 300, and the data storage 230 prestores a second vehicle identification code associated with the insured vehicle.

Please refer to FIG. 1 and FIG. 2. FIG. 2 is a schematic diagram showing a specific embodiment of the vehicle insurance system of the present invention. In one embodiment, the applicant 500 purchases vehicle insurance and installs the connection device 200 on the insured vehicle 600. When the insured person 500 enters the vehicle, the mobile device 300 is inserted into the mating component of the connecting device 200. After the fitting is completed, the connecting device 200 transmits a command message through the fitting component to instruct the mobile device 300 to open the pre-installed insurance application module 310. Thereafter, the insurance application module 310 uses the identification unit 312 therein to request the applicant 500 to input a second recognition. The information is verified, and the second authentication information is compared with the first authentication information stored in the data storage unit 314. If the two are the same or match, the applicant's authentication procedure is completed. The identification process of the insured can be completed by fingerprint identification, voice recognition, iris recognition, password recognition, etc., and the identification unit 312 can be connected to other hardware devices of the mobile device 300 for identification. For example, the identification unit 312 is connected to the mobile device 300. The fingerprint sensor (Fingerprint Sensor) performs fingerprint recognition or connects to the microphone of the mobile device 300 for sound recognition.

On the other hand, after the insurance application module 310 is activated, the identification unit 312 of the insurance application module 310 checks whether the second vehicle identification code in the data storage 230 matches the first vehicle identification code in the data storage unit 314. If the two are the same or match, the certification procedure for the insured vehicle is completed. The first vehicle identification code and the second vehicle identification code may be an identification code such as a license plate number, a unique code of the vehicle, or a policy number, but is not limited thereto.

Please refer to FIG. 3. FIG. 3 is a functional block diagram showing another embodiment of the vehicle insurance system of the present invention. In a specific embodiment, the insurance application module 310 completes the certification procedure of the applicant and the insured vehicle, and the activation insurance execution unit 316 executes the vehicle insurance purchased by the applicant, and provides relevant protection during driving. In a specific embodiment, the mobile device 300 includes a plurality of sensors 330 and a network transmission module 320. After the insurance execution unit 316 is activated, the insurance application module 310 activates a plurality of sensors 330 to record one. The first driving information is uploaded to the cloud server 400. In a specific embodiment, the sensor 330 includes a camera module for recording a driving image when the insured person drives the vehicle; in a specific embodiment, the sensor 330 includes a positioning module (eg, a global positioning system ( The Global Positioning System (GPS) is used to record the positioning information when the insured person drives the vehicle. In one embodiment, the sensor 330 is an accelerometer for recording the speed of the insured person; in a specific embodiment, the sense The detector 330 is a sense of vibration The sensor is used to record the vehicle body vibration when the insured person is driving. In a specific embodiment, the sensor 330 is a gyroscope for recording the driving direction of the insured when driving, and the sensor 330 is not limited to The application of the above embodiment.

In a specific embodiment, the vehicle insurance purchased by the applicant is a UBI (Usage Based Insurance) automobile insurance scheme, and when the insurance execution unit 316 is activated to perform vehicle insurance, the insurance execution unit 316 calculates the vehicle insurance by using the first driving information. cost. In a specific embodiment, the vehicle insurance purchased by the applicant is a monthly mileage insurance scheme. When the activation insurance execution unit 316 executes the vehicle insurance scheme, the insurance execution unit 316 calculates the mileage using the positioning information of the first driving information. And deduct the remaining mileage of the monthly fee mileage insurance plan. When the remaining mileage is lower than a set value, the insurance application module 310 sends a prompt message to remind the insured to purchase the mileage. In a specific embodiment, the vehicle insurance purchased by the policyholder is a driving liability insurance, and the insurance content includes a plurality of insured vehicles. When the insured person drives the different insured vehicles, only the mobile device 300 needs to be inserted into the connection in the insured vehicle. The device 200 can use the same driving liability insurance policy contract in multiple insured vehicles.

In a specific embodiment, when the identification unit 312 authenticates that the applicant or the one of the insured vehicles fails the authentication, the insurance execution unit 316 is not activated. At the same time, the insurance application module 310 transmits an error message to the insurance provider's cloud server 400 through the network transmission module 320 of the mobile device 300. In an actual application, after receiving the error message, the cloud server 400 can force the inserted mobile device 300 to take a picture of the inner lens and take a driving photo. In actual application, after receiving the error message, the cloud server 400 may send the image. A notification message informs the insured that the vehicle is being insured for a non-certified driving operation; in actual application, after receiving the error message, the cloud server 400 can directly notify the law enforcement unit to go to the location of the insured vehicle, but the error message The application of interest is not limited to this.

Please refer to FIG. 4. FIG. 4 is a functional block diagram showing another embodiment of the vehicle insurance system of the present invention. In one embodiment, the connection device 200 is connected to an on-vehicle device 100 in a wired or wireless manner. The on-vehicle device 100 can be an On-Board Diagnostics (OBD). The connection device 200 further includes a data capture module 220 for capturing the second driving information of the vehicle-mounted device 100. The second driving information includes engine starting information, driving mileage, driving speed, driving acceleration, braking record, water tank temperature, battery voltage, fuel consumption information, etc., but is not limited thereto. In actual application, the first driving information and the second driving information are temporarily stored in the data storage 230 of the connection device 200, and uploaded to the cloud server 400 by the network transmission module 320. The insurance application module 310 first stores the first driving information and the second driving information in the connecting device 200 if the network transmitting module 320 cannot connect to the cloud server 400 when the insured vehicle passes the poorly received road section. In the data storage 230, after the network transmission module 320 and the cloud server 400 are restored, the first driving information and the second driving information stored in the data storage 230 are uploaded to the cloud server. 400.

Please refer to FIG. 5, which is a partial enlarged view of the schematic diagram of FIG. The engagement of the connecting device 200 and the mobile device 300 of FIG. 2 can be seen in FIG. In one embodiment, the connection device 200 includes a speaker 250, and the mating component 210 includes a bottom cassette and a set of side cassettes for securing the mobile device 300 and data transmission, and a side cassette for The mobile device 300 is fixed. In a specific embodiment, after the insurance application module 310 activates the insurance execution unit 316, the insurance application module 310 uses the second driving information to know whether the engine of the insured vehicle is in an activated state. If the engine is in the startup state, the side card locks the mobile device 300 so that the mobile device 300 cannot be moved, and the insurance application module 310 locks part of the application function of the mobile device 300, allowing the investment The guarantor will not be distracted from operating the phone during driving. The speaker 250 is activated after the connection device 200 is connected to the mobile device 300 for transmitting the sound of the mobile device 300 from the speaker 250, for example, to remind the insured that the mileage balance is insufficient, or the insurance application module 310 guides the insured to perform At the time of authentication, the sound can be emitted by the speaker 250. In one embodiment, when the applicant receives the incoming call notification during the driving of the mobile device 300 and the policyholder agrees to the call, the mobile device 300 will automatically convert the call mode to the hands-free handset and the speaker 250 will sound.

In a specific embodiment, the cloud server 400 monitors both after receiving the first driving information and the second driving information. When the first driving information or the second driving information is abnormal, the cloud server 400 may determine, according to the driving information before the abnormality, whether the insured vehicle meets the claim standard of the purchased vehicle insurance, and if so, generates information according to the driving information. A claim amount and claim settlement to the insured's set account. For example, if the cloud server 400 receives the second driving information and finds that the insured vehicle suddenly drops in the vehicle in a very short time and the driving direction changes greatly, it is judged that the insured vehicle may have an accident, so the first line before the abnormality is compared. The information of the car information, confirm the situation of the insured vehicle and the responsibility of the accident, the follow-up can help to contact the rescue and make claims.

Referring to FIG. 2 again, in an embodiment, the insured vehicle 600 includes a row of computer 700. When the applicant 500 fits the mobile device 300 to the fitting component 210, the mobile device 300 automatically synchronizes with the driving computer 700. .

Referring to FIG. 4 again, in a specific embodiment, the connection device 200 includes a charging module 240. When the mobile device 300 is fitted to the mating component 210, the charging module 240 automatically supplies power to the mobile device 300, so that the mobile device 300 does not consume power quickly due to data transmission and shooting of the driving image.

In one embodiment, the insurance application module 310 includes a road navigation unit. The road navigation unit is connected to the GPS positioning module built in the mobile device 300, and can notify the applicant of the road condition through the speaker 250.

In one embodiment, the insurance application module 310 can also include a living entertainment unit. The life entertainment unit is connected to other webpages or applications related to life and entertainment, and the insured can use the living entertainment unit to implement functions such as restaurant reservation, ticket purchase, parking reservation or vehicle maintenance reservation. In addition, policyholders can pay for insurance and other living and entertainment expenses through telecom bills.

Compared with the prior art, the vehicle insurance system of the present invention utilizes the fitting authentication insured and the insured vehicle of the mobile device and the connecting device, and automatically opens the insurance application module to perform vehicle insurance, without complicated connection and photographing. , uploading and other operating procedures, greatly improving security and convenience. In addition, another feature of the present invention is to use the mobile device as a driving recorder function to record the insured's driving condition and positioning information. This way not only saves the cost of the driving recorder, but also more accurately records the user's current road conditions and the judgment of the accident. Further, fixing the mobile device to the connecting device can also reduce the possibility of the insured being distracted while driving. Sex. In view of the mobile device data transmission and the driving image capturing function, the connecting device of the present invention also includes a charging module, so that the power of the mobile device during driving is not interrupted.

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 patent scope of the invention should be interpreted broadly based on the above description so that it covers all possible modifications. Change and equal arrangement.

Claims (9)

A vehicle insurance system for performing insurance for a vehicle of at least one insured vehicle includes: an insurance application module built on a mobile device, the insurance application module comprising an identification unit and a data storage And an insurance execution unit for identifying the applicant and the at least one insurance vehicle, wherein the data storage unit is configured to pre-store one of the insurance materials of the vehicle insurance, and the insurance execution unit is configured to perform the vehicle insurance; And a connecting device fixed in the at least one insured vehicle, the connecting device comprising a fitting component for fitting the mobile device; wherein, when the insured person fits the mobile device to the fitting component, The mobile device automatically activates the insurance application module, and after performing an authentication procedure for the insured and the at least one insured vehicle according to the insurance information, the insurance execution unit is activated to execute the vehicle insurance; wherein the insurance information includes one a first vehicle identification code, the connection device includes a data storage device, and the data storage device is pre-stored a vehicle identification code, when the mobile device automatically activates the insurance application module, the identification unit of the insurance application module completes the at least the first vehicle identification code and the second vehicle identification code if the two match The certification procedure for a vehicle insured. The vehicle insurance system of claim 1, wherein the insurance information includes a first authentication information, and when the mobile device automatically starts the insurance application module, the identification unit of the insurance application module requests the insurance The person inputs a second authentication information, if the first authentication information In accordance with the second authentication information, the certification process of the policyholder is completed. The vehicle insurance system of claim 1, further comprising a cloud server, wherein the mobile device comprises a plurality of sensors and a network transmission module, and when the insurance execution unit is activated, the insurance The application module activates the sensors to record a first driving information, and transmits the first driving information to the cloud server through the network transmission module. The vehicle insurance system of claim 3, wherein the sensor comprises a camera module and a positioning module, and the first driving information comprises a line of vehicle images and a positioning information. The vehicle insurance system of claim 3, wherein after the first driving information is recorded by the sensors, the first driving information is stored in the data storage, and then the network is The transmission module is transmitted to the cloud server. The vehicle insurance system of claim 3, wherein the at least one insurance vehicle comprises an in-vehicle device connected to the connection device, the in-vehicle device is configured to record second driving information of the at least one insured vehicle, and The second driving information is transmitted to the cloud server through the network transmission module. The vehicle insurance system of claim 6, wherein the vehicle-mounted device is an onboard diagnostic system, and the second driving information further includes an engine start information, a mileage, a line speed, a line of vehicle acceleration, Any one or a combination of a row of vehicle orientation, a vehicle record, a water tank temperature, a battery voltage, and a fuel consumption information. The vehicle insurance system of claim 6, wherein the cloud server receives and Monitoring the first driving information and the second driving information, when the at least one insured vehicle reaches a claim standard of the vehicle insurance, the cloud server generates the claim amount by using the first driving information and the second driving information . The vehicle insurance system of claim 1, wherein the connection device further comprises a charging module, and the charging module charges the mobile device when the mobile device is engaged with the connecting device.