TWI690886B - Usage based vehicle insurance system - Google Patents

Abstract

A usage based vehicle insurance system includes a handheld electronic device, a usage message server, and a insurance company server. The handheld electronic device includes an instant messaging element and the usage message server utilizes the internet to connect the handheld electronic device and receives an usage condition the instant messaging element for a vehicle. The insurance company server is connected to the usage message server and calculates an insurance discount for the vehicle according to the usage condition and returns the insurance discount to the handheld electronic device.

Description

Vehicle insurance application system based on usage status

The invention relates to a vehicle insurance insurance system, and in particular to a vehicle insurance insurance system based on the use state.

At present, in order to meet various users, different driving habits and needs, insurance companies have launched personalized vehicle insurance products. UBS-based vehicle insurance is regarded as a highly innovative service. . UBI auto insurance is a new state pricing model that calculates premiums based on individual drivers' driving behavior.

However, in order to calculate everyone's premium, UBI car insurance often needs to install electronic equipment on the car of the owner, or require the driver to use a proprietary program or join a member, and need to expose too much personal data, so that often need to protect People are reluctant to try to insure UBI auto insurance.

Under the premise of maintaining the correct rate, if you can take into account personal privacy and improve the convenience of UBI auto insurance, it will help the continued growth of the UBI auto insurance market.

The summary of the present invention aims to provide a simplified summary of the disclosure so that the reader can have a basic understanding of the disclosure. This summary of the invention is not a complete overview of the disclosure, and it is not intended to point out important/critical elements of embodiments of the invention or to define the scope of the invention.

An object of the content of the present invention is to provide a vehicle insurance application system based on the usage status, so as to increase the insurer's willingness to insure UBI vehicle insurance.

In order to achieve the above object, one technical aspect of the present invention relates to a vehicle insurance application system based on usage status including a handheld electronic device, a vehicle information server and an insurance company server. The handheld electronic device includes a communication component, and the vehicle information server uses a network to connect the handheld electronic device and receives the use status of a vehicle from the communication component. The insurance company's server is connected to the vehicle information server, and according to the vehicle's use status, calculates the vehicle's insurance premium increase and decrease, and returns to the handheld electronic device. The communication component is an instant communication component.

The communication component includes a license plate number transmitter, a mileage information transmitter, a mileage photo transmitter, a usage period transmitter and a commuter data transmitter. The license plate number transmitter is used to transmit a license plate number of the vehicle to the vehicle information server, and the mileage information transmitter is connected to the license plate number transmitter to transmit a mileage information of the vehicle to the vehicle information server. The mileage photo transmitter is connected to the mileage information transmitter to transmit a mileage photo of the vehicle to the vehicle information server. The usage period transmitter is connected to the license plate number transmitter and is used to transmit a usage period of the vehicle to the vehicle information server. Commuting The material transmitter is connected to the license plate number transmitter to transmit the owner's home address and commuting address to the vehicle information server.

The vehicle information server includes a vehicle information receiving component to receive the license plate number, mileage information, mileage photo, usage period, and commuting data sent by the communication component, and send the relevant information to the insurance company server to calculate the vehicle Increase and decrease of insurance premiums.

In addition, the vehicle information receiving component includes a license plate number receiver, a mileage information receiver, a mileage photo receiver, a usage period receiver, and a commuter data receiver. The license plate number receiver is used to receive the license plate number sent by the communication component, the mileage information receiver is connected to the license plate number receiver to receive the mileage information sent by the communication component, and the mileage photo receiver is connected to the mileage information receiver , Used to receive mileage photos sent by the communication component, the use period receiver is connected to the license plate number receiver, used to receive the use period transmitted by the communication component, and the commuter data receiver is connected to the license plate number receiver, used To receive the owner's home address and commuting address transmitted by the communication component.

In one embodiment, the vehicle information server further includes a new warranty period calculation component and a push notification component. The new warranty waiting period calculation component is connected to the push broadcast notification component to notify the vehicle owner via the push broadcast notification component to update the mileage after a predetermined time.

In one embodiment, the vehicle information server further includes a renewal expiry calculation component, which is used to notify the owner of the vehicle through a push notification component to renew the insurance before a policy of the vehicle expires.

In one embodiment, the handheld electronic device further includes an insurance component to allow the vehicle owner to choose an insurance solution.

In one embodiment, the handheld electronic device further includes a payment component for online payment.

Therefore, the vehicle insurance application system based on the usage status of the present invention allows users to use communication components to carry out real-time data transmission and obtain appropriate insurance premiums and deductions, and users can understand UBI auto insurance without joining the member in advance The increase and decrease of insurance premiums will help to expand the UBI auto insurance market.

After referring to the embodiments below, those with ordinary knowledge in the technical field to which the present invention belongs can easily understand the basic spirit of the present invention and other inventive objectives, as well as the technical means and implementation aspects adopted by the present invention.

100‧‧‧Vehicle insurance application system based on usage status

200‧‧‧Handheld electronic device

210‧‧‧Communication components

211‧‧‧ License plate number transmitter

212‧‧‧ Mileage transmitter

213‧‧‧ Mileage Photo Transmitter

215‧‧‧Use time slot transmitter

216‧‧‧Commuter data transmitter

220‧‧‧Insured components

222‧‧‧Insurance plan selector

224‧‧‧Insurance data input device

226‧‧‧ Premium Display

228‧‧‧Car survey appointment

230‧‧‧Payment component

300‧‧‧Vehicle Information Server

310‧‧‧Vehicle message receiving component

311‧‧‧ License plate number receiver

312‧‧‧ Mileage information receiver

313‧‧‧ Mileage photo receiver

315‧‧‧Use time receiver

316‧‧‧Communication data receiver

320‧‧‧ New Warranty Calculation Component

330‧‧‧Push broadcast notification component

340‧‧‧Renewal expiry component

400‧‧‧Supervision system server

500‧‧‧Insurance company server

510‧‧‧ Premium calculation component

520‧‧‧underwriting component

530‧‧‧ Policy generation components

In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the drawings are described as follows: FIG. 1 illustrates a vehicle based on the use state according to an embodiment of the present invention Schematic diagram of insurance insurance system.

FIG. 2 is a schematic diagram of a communication element of a vehicle insurance application system based on a usage state according to an embodiment of the present invention.

FIG. 3 is a schematic diagram of a vehicle information receiving element of a vehicle insurance application system based on usage status according to an embodiment of the present invention.

FIG. 4 is a schematic diagram of insurance components of a vehicle insurance insurance system based on usage status according to an embodiment of the present invention.

According to the usual working methods, various features and elements in the drawings are not drawn to scale. The drawing method is to present the specific features and elements related to the present invention in an optimal manner. In addition, between different drawings, the same or similar element symbols are used to refer to similar elements/components.

In order to make the description of this disclosure more detailed and complete, the following provides an illustrative description of the implementation form and specific embodiments of the present invention; however, this is not the only form for implementing or using specific embodiments of the present invention. The embodiments cover the features of multiple specific embodiments, as well as the method steps and their sequence for constructing and operating these specific embodiments. However, other specific embodiments can also be used to achieve the same or equal functions and sequence of steps.

Unless otherwise defined in this specification, the meanings of scientific and technical terms used herein have the same meanings as those understood and used by those with ordinary knowledge in the technical field to which the present invention belongs. In addition, without conflicting with the context, the singular noun used in this specification covers the plural form of the noun; and the plural noun used also covers the singular form of the noun.

In addition, as used herein, "connected" may refer to two or more elements making direct physical or electrical contact with each other, or indirectly making physical or electrical contact with each other, or may refer to two or more elements operating with each other or Actions, or connecting via a network, do not depart from the spirit and scope of the present invention. Furthermore, the components such as systems, devices, components, and servers used in this article can be operated in separate computer hosts or devices, or can be operated and integrated into one or more computer hosts or devices. , Which does not depart from the spirit and scope of the present invention.

Figure 1 is a schematic diagram of a vehicle insurance insurance system based on usage status according to an embodiment of the present invention, and Figure 2 is a schematic diagram of communication components of a vehicle insurance insurance system based on usage status. Figure 3 is a schematic diagram of the vehicle information receiving element of the vehicle insurance application system based on the usage status. Figure 4 is a schematic diagram of the insurance components of the vehicle insurance insurance system based on the usage status.

As shown in the figure, the vehicle insurance application system 100 based on the usage state includes a handheld electronic device 200, a vehicle information server 300, and an insurance company server 500.

In an embodiment, the handheld electronic device 200 includes a communication component 210, an insurance component 220, and a payment component 230. The communication component 210 includes a license plate number transmitter 211, a mileage information transmitter 212, a mileage photo transmitter 213, a usage time transmitter 215, and a commuter data transmitter 216. The license plate number transmitter 211 is used to transmit a license plate number of the vehicle to the vehicle information server 300, and the mileage information transmitter 212 is connected to the license plate number transmitter 211 to transmit a mileage information of the vehicle to the vehicle information server 300, and the mileage The photo transmitter 213 is connected to the mileage information transmitter 212 to transmit a mileage photo of the vehicle to the vehicle information server 300, and the usage period transmitter 215 is connected to the license plate number transmitter 211 to transmit a usage period of the vehicle to The vehicle information server 300 and the commuter data transmitter 216 are connected to the license plate number transmitter 211 for transmitting the owner's home address and commuter address. The communication component 210 may be a communication software component, for example, an instant communication software component. For example, the instant communication software and mobile application LINE developed by Naver Group of Korea.

In the vehicle insurance application system 100 based on the usage status of the present invention, the user does not need to use a dedicated program or first join a member or perform identity registration, and only needs to use commonly used communication software components to calculate the insurance premium range It helps promote the promotion of UBI auto insurance and avoids the inconvenience caused to the insurance company by users who need to disclose personal information in advance.

The vehicle information server 300 uses a network, such as a wireless network or a mobile communication network, to connect the handheld electronic device 200 and receives the use status of a vehicle from the communication component 210.

The vehicle information server 300 includes a vehicle information receiving element 310 to receive the license plate number, mileage information, mileage photo, usage time, and commuting data transmitted by the communication element 210, and transmit related information to the insurance company server 500, To calculate the increase and decrease of the insurance premium required by the vehicle. Among them, the range of insurance premium addition and subtraction may be the percentage of addition or subtraction or the amount of addition and subtraction, which does not depart from the spirit and scope of the present invention.

In one embodiment, the vehicle information receiving element 310 includes a license plate number receiver 311, a mileage information receiver 312, a mileage photo receiver 313, a usage period receiver 315, and a commuter data receiver 316. The license plate number receiver 311 is used to receive the license plate number transmitted by the license plate number transmitter 211 of the communication element 210, and the mileage information receiver 312 is connected to the license plate number receiver 311 to receive the mileage information transmitter 212 of the communication element 210 The mileage information is sent, and the mileage photo receiver 313 is connected to the mileage information receiver 312 to receive the mileage photo sent by the mileage photo transmitter 213 of the communication element 210, and the usage time receiver 315 is connected to the license plate number receiver 311, used to receive the use of the communication element 210 In the usage period transmitted by the segment transmitter 215, the commuter data receiver 316 is connected to the license plate number receiver 311 for receiving commuter data transmitted by the commuter data transmitter 216 of the communication element 210.

When the vehicle information server 300 receives a vehicle usage status transmitted from the communication element 210 of the handheld electronic device 200, the user, such as a vehicle owner, can notify the connected vehicle The insurance company server 500 of the information server 300 calculates the increase and decrease of the insurance premium of the vehicle according to the vehicle usage status, and transmits it back to the handheld electronic device 200.

In one embodiment, the vehicle information server 300 further includes a new warranty period calculation component 320 and a push notification component 330. The new warranty waiting period calculation component 320 sends a push broadcast message to the communication component of the handheld electronic device 200 via a push notification component 330 after a waiting period, for example, 90 days after a waiting period, for example, 90 days 210 to notify the user to send the license plate number, current mileage information, current mileage photo or usage period or commuting data to the vehicle information receiving component 310 again, the premium calculation component 510 of the insurance company server 500 can The vehicle information data calculates the increase and decrease of insurance premiums, and transmits the increase and decrease of insurance premiums and informs the user to the insured component 220 of the handheld electronic device 200 to apply for insurance.

In an embodiment, if the user transmits vehicle information data before the waiting period, the premium calculation component 510 of the insurance company server 500 may calculate the reference premium increase or decrease range to the user based on the vehicle information data twice.

In one embodiment, the above waiting period may include multiple consecutive time intervals to require the user to upload relevant vehicle information data multiple times to more accurately calculate the insurance premium increase or decrease.

In addition, the insurance company server 500 can also be connected to a supervisory system server 400 to obtain the relevant data recorded by the vehicle's regular inspection, and to confirm the vehicle information data uploaded by the user.

In one embodiment, the communication element 210 further includes a usage period transmitter 215 to transmit a usage period of the vehicle to the vehicle information receiving element 310. For example, the time period when the user often drives, it can be a full-time use, commute use from Monday to Friday or weekend and holiday options, and the vehicle information receiving element 310 uses the use time receiver 315 to receive the use time of the vehicle Information to make a reasonable judgment of the vehicle use status.

In one embodiment, the communication component 210 further includes a commuter data transmitter 216 connected to the license plate number transmitter 211 to transmit a home address and a commuter address of the vehicle owner to the vehicle information receiving component 310. The vehicle information receiving component 310 uses the commuter data receiver 316 to receive relevant data to make a reasonable judgment of the vehicle use status.

In one embodiment, the vehicle information server 300 further includes a renewal expiry calculation component 340, which sends a push broadcast via the push notification component 330 a predetermined time before the vehicle policy expires, for example, the first three months The message is sent to the communication element 210 of the handheld electronic device 200 to notify the user that the current vehicle message data is sent to the vehicle message receiving element 310 for renewal.

In addition, the handheld electronic device 200 further includes an insurance component 220 to allow the user to choose an insurance plan. Among them, the insurance component 220 It also includes an insurance plan selector 222, an insurance data input 224, a premium display 226, and a car survey reservation 228.

After the premium calculation component 510 of the insurance company's server 500 calculates the increase or decrease of the insurance premium, the user can further use the insurance component 220, which can be a browser or an application module, through the insurance scheme selector 222 to perform Choice of insurance plan. For example, choose the first vehicle insurance combination, which can include vehicle body loss insurance type B, theft loss insurance, and third party liability insurance, or choose the second vehicle insurance combination, which can include vehicle body loss Risk C, theft loss insurance and third party liability insurance. However, the present invention is not limited to this, insurance companies can add more kinds of suit combinations for users to choose, and users can also choose suitable combinations according to their own needs, without departing from the spirit of the present invention With scope.

At this time, the user needs to further input relevant data through the insurance data input device 224, including the owner's ID number, unified number, owner's birthday, vehicle license number, vehicle type, date of license/date of shipment, bearing restrictions, scheduling Relevant information such as gas volume, engine number and/or brand model, effective date of mandatory/optional insurance. The premium display 226 displays the correct premium based on the premium increase/decrease range calculated by the premium calculation element 510 of the server 500 of the insurance company and related data. In addition, the user can also use the car survey reservation device 228 to make an appointment with the insurance company for the car survey. The insurance company conducts on-site comparison of vehicle registration, comparison of vehicle conditions and comparison of mileage. After the vehicle survey is completed, the data of the vehicle survey can be stored in the underwriting component 520 for verification by the underwriting personnel of the insurance company.

The user can use a payment element 230 of the handheld electronic device 200 to perform online payment, such as online credit card swiping. The user can also obtain the payment content or barcode and other data from the payment component 230, and then go to the premium collection agency to pay in cash. In addition, the user can also obtain the payment content and account-related data from the payment component 230, and use the financial institution account for transfer payment, without departing from the spirit and scope of the present invention.

After the user completes payment and is approved by the insurance company, the insurance company can use the policy generation element 530 in the server 500 of the insurance company to generate a formal policy and send it by post or e-mail without departing from the invention The spirit and scope.

In summary, the vehicle insurance application system based on the usage status of the present invention allows users to use instant messaging software to carry out real-time data transmission, and obtain appropriate insurance premiums and deductions. Data transmission, and users do not need to join the member in advance to understand the increase and decrease of UBI car insurance premiums. It is not until the user confirms that he wants to apply for insurance, it is necessary to fill in the detailed information to avoid the user's resistance, which is helpful to promote and expand the UBI auto insurance market. At the same time, the vehicle insurance application system based on the usage status of the present invention does not need to install additional electronic equipment on the car, nor does it need to use satellite positioning system for positioning, etc., which greatly increases the privacy of the user and effectively increases the user's insurance Willingness. And through the instant messaging software, you can also use the push notification component to regularly notify the user of the estimated monthly mileage, remind the user to pay attention to the mileage, and effectively reduce the risk of driving.

Although the above embodiments disclose specific examples of the present invention, they are not intended to limit the present invention. Those with ordinary knowledge in the technical field to which the present invention belongs, without departing from the principle and spirit of the present invention, should Various changes and modifications can be made to it, so the scope of protection of the present invention shall be defined by the scope of the accompanying patent application.

100‧‧‧Vehicle insurance application system based on usage status

200‧‧‧Handheld electronic device

210‧‧‧Communication components

220‧‧‧Insured components

230‧‧‧Payment component

300‧‧‧Vehicle Information Server

310‧‧‧Vehicle message receiving component

320‧‧‧ New Warranty Calculation Component

330‧‧‧Push broadcast notification component

340‧‧‧Renewal expiry component

400‧‧‧Supervision system server

500‧‧‧Insurance company server

510‧‧‧ Premium calculation component

520‧‧‧underwriting component

530‧‧‧ Policy generation components

Claims (4)

A vehicle insurance application system based on usage status includes: a hand-held electronic device including a communication component; a vehicle information server, which is connected to the hand-held electronic device using a network and receives a communication from the communication component Vehicle usage status; an insurance company server, connected to the vehicle information server, and based on the vehicle usage status, calculates an insurance premium increase or decrease of the vehicle and returns it to the handheld electronic device, where the communication element is An instant communication component; and a supervisory system server connected to the insurance company server for data comparison of the vehicle, wherein the communication component includes: a license plate number transmitter to transmit a license plate number of the vehicle to The vehicle information server, a mileage information transmitter, is connected to the license plate number transmitter to transmit a mileage information of the vehicle to the vehicle information server, and a mileage photo transmitter is connected to the mileage information transmitter, Transmit a mileage photo of the vehicle to the vehicle information server, a usage period transmitter connected to the license plate number transmitter to transmit a usage period of the vehicle to the vehicle information server, and a commuter data transmitter, Connected to the license plate number transmitter to transmit the owner's home address and commute address to the vehicle information server; Among them, the vehicle information server includes a vehicle information receiving component to receive the license plate number, mileage information, mileage photos, usage time and commuting data sent by the communication component, and send related information to the insurance company server, In order to calculate the increase and decrease of the insurance premium of the vehicle; wherein, the vehicle information server further includes a renewal expiry calculation element, connected to the vehicle information receiving element, to notify the owner to renew before the expiration of a policy of the vehicle Insurance; wherein, the handheld electronic device further includes an insurance component, connected to the communication component, so that the owner can choose the insurance program. The vehicle insurance application system based on usage status as described in claim 1, wherein the vehicle message receiving element includes: a license plate number receiver to receive the license plate number transmitted by the communication element; and a mileage message receiver Connected to the license plate number receiver to receive the mileage information sent by the communication component; a mileage photo receiver connected to the mileage information receiver to receive the mileage photo sent by the communication component; A usage period receiver connected to the mileage photo receiver to receive the usage period sent by the communication component; and a commuter data receiver connected to the usage period receiver to receive the communication period transmission The commuter information. The vehicle insurance application system based on usage status as described in claim 2, wherein the vehicle information server further includes a new insurance waiting period calculation component connected to the vehicle information receiving component, and a push notification component connected to the The new warranty waiting period calculation component can notify the owner of the vehicle via the communication component to update the mileage after a waiting period. As described in claim 3, the vehicle insurance insurance system based on usage status, wherein the handheld electronic device further includes a payment component, connected to the insurance component for online payment.

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