TWI782561B - Insurance system and method for stored value of vehicle mileage - Google Patents

Abstract

The present invention relates to a vehicle mileage storage insurance system and its method. The insurance system is installed in an electronic device, and the information is connected to a vehicle-mounted automatic diagnosis system. The insurance system mainly includes: an insurance application module, a mileage storage module, an insurance module, a mileage setting unit, an insurance type setting unit, a payment unit, an insurance execution module, an insurance period control module, and a fast claim settlement module. When applying for insurance, the mileage storage module is used to purchase the remaining mileage information. When the user drives on the road normally, the insurance period control module cooperates with the on-board automatic diagnosis system to read the real-time driving mileage, and the insurance execution module will automatically activate the insurance mechanism. The contract will not be terminated until the remaining mileage information returns to zero, and the insurance module can even be used to add additional insurance for specific mileage, so as to truly achieve the purpose of user-paid and customized insurance.

Description

Insurance system and method for stored value of vehicle mileage

The present invention provides a vehicle mileage stored value insurance system and its method, especially a vehicle mileage stored value insurance system that bills only when the car is running, and provides a customized insurance policy for specific mileage and fast claim settlement services and its method.

Press, according to the statistics of the Insurance Business Development Center, during the period from 2014 to 2018, the insurance rate of self-use passenger cars insured for vehicle body insurance only increased from 10% to 30%, so there are still 70% of self-use passenger cars that have not been insured. Analysis of the reasons may include high car body insurance premiums, low driving frequency, old cars, lack of understanding of the coverage, or thinking that you can’t use it.

In addition, Usage-Based Insurance (UBI) in foreign countries has been implemented for a long time. UBI auto insurance uses factors such as vehicle usage status and driving behavior to analyze data through the cloud system as the basis for premium increase or decrease. However, since the end of 2016, the first UBI auto insurance policy in China has been sold, but in fact it has not been well received. In addition to the price competition of various industries, due to the use of On-Board Diagnostics (ODB) to collect mileage, GPS and other driving data, so for car owners who value personal privacy, the attractiveness will be greatly reduced, which has also become the main reason why UBI car insurance was difficult to promote in the past.

Regardless of whether it is a traditional insurance policy or a UBI policy, the insurance period is calculated from the insured date, that is to say, even if the vehicle is not used from the insured date, the insurance period will not be suspended, while the UBI policy is at most To reduce the premium for the next installment, although it claims to pay as much as you use, strictly speaking, it should be regarded as dividing the premium based on the level of mileage used. Therefore, it is very unfavorable for users who drive infrequently.

Therefore, how to solve the above-mentioned conventional problems and deficiencies is the direction that the inventor of the present invention and related manufacturers engaged in this industry want to research and improve urgently.

Therefore, in view of the above shortcomings, the creator of the present invention collected relevant information, evaluated and considered in many ways, and based on years of experience accumulated in this industry, through continuous trial and modification, he designed this kind of car. The invention patenter of the insurance system and its method for billing and providing customized insurance policies with specific mileage and fast claim settlement service.

The main purpose of the present invention is: by purchasing the stored value mileage, the insurance mechanism is only activated when the vehicle is running, so as to correspond to the real-time driving mileage deducting the remaining mileage information, thereby canceling the calculation of the insurance period, and improving the cost performance of paying the premium, and The driver's willingness to insure.

Another main purpose of the present invention is to purchase additional insurance for specific mileage in the purchased stored-value mileage, and add customized insurance content, thereby increasing driver safety and increasing the sales rate of high-value insurance .

In order to achieve the above object, the insurance system of the present invention is installed in an electronic device, and the information is connected to a vehicle-mounted automatic diagnosis system. The insurance system mainly includes: an insurance application module, a mileage storage module, and a mileage setting module. unit, an insurance type setting unit and an insurance addition module of the payment unit, an insurance execution module, an insurance period control module, and a quick claim settlement module.

The user uses the insurance application module to input identification information and corresponding vehicle registration information to obtain a car insurance contract through the electronic device, and uses the mileage storage module to pay the premium to obtain the remaining mileage information, and displays it on the electronic device The remaining mileage information may be operated at the same time as required by the insurance module to obtain a second insurance contract through the identification data and corresponding vehicle registration information. In the second insurance contract, the additional insurance is set from the remaining mileage information through the mileage setting unit The insurance mileage, and then use the insurance type setting unit to select the type of insurance for the additional mileage, and finally a payment unit calculates the additional premium based on the additional mileage and the type of insurance. After underwriting, as long as the user drives normally, the insurance period control module will read the real-time driving mileage of the on-board automatic diagnosis system to deduct the remaining mileage information correspondingly, and the insurance execution module will start when the remaining mileage information is deducted The auto insurance contract and the second insurance contract do not terminate the auto insurance contract until the remaining mileage information returns to zero, or terminate the second insurance contract when the additional mileage is used up. In this way, through the insurance mechanism of how much is deducted and the service of customized additional insurance policy, the user's spirit of paying is brought into play, the reason for low willingness to buy insurance is eliminated, the cost performance of premium payment is improved, and the insurance's protection for the insured is strengthened. And when an accident occurs, the quick claim module can be used to input the accident information, and the electronic device can be used to quickly apply for a claim.

With the above technology, it is possible to address the high premiums of auto body insurance that exist in traditional auto insurance , It is not suitable for driving with low driving frequency, UBI only adjusts premiums based on mileage levels, and makes breakthroughs in problems involving privacy issues, so as to achieve the practical progress of the above advantages.

100, 100a: Insurance system

200, 200a: electronic devices

300, 300a: On-board automatic diagnosis system

1. 1a: insurance module

11a: Insurer Evaluation Module

2. 2a: Mileage storage module

21a: Mileage sharing unit

22a: Mileage reminder unit

3: Security module

31: Mileage setting unit

32: Insurance type setting unit

33: Paid unit

4. 4a: Insurance Execution Module

5: Insurance period control module

6: Quick claims module

7a: Journey record module

8a: Policy query module

The first figure is a structural block diagram of a preferred embodiment of the present invention.

The second figure is a block flow diagram of a preferred embodiment of the present invention.

The third figure is the use status diagram of the preferred embodiment of the present invention.

Figure 4 is a schematic diagram of mileage storage in a preferred embodiment of the present invention.

The fifth figure is a schematic diagram of the protection of the preferred embodiment of the present invention.

Figure 6 is a schematic diagram of mileage deduction in a preferred embodiment of the present invention.

The seventh figure is a schematic diagram of claim settlement in a preferred embodiment of the present invention.

The eighth figure is a structural block diagram of yet another preferred embodiment of the present invention.

Figure 9 is an implementation schematic diagram of yet another preferred embodiment of the present invention.

In order to achieve the above-mentioned purpose and effect, the technical means and structure adopted by the present invention are hereby illustrated in detail with respect to the preferred embodiments of the present invention. Its features and functions are as follows, so that it can be fully understood.

Please refer to the first figure to the third figure, which are the structural block diagram to the use state diagram of the preferred embodiment of the present invention. It can be clearly seen from the figure that the insurance system 100 of the present invention is installed in an electronic device 200 , and the information is connected to an on-board automatic diagnosis system 300, and the insurance system 100 mainly includes:

An insurance application module 1 is for the user to input identification information and corresponding vehicle registration information, so as to obtain an automobile insurance contract through the electronic device 200;

A mileage stored value module 2, which is used for the user to pay the insurance premium to obtain the remaining mileage information, and display the remaining mileage information on the electronic device 200;

An insurance extension module 3 is used for the user to obtain a second insurance contract through the electronic device 200 according to the identification data and the corresponding vehicle registration information, and the insurance extension module 3 includes an insurance module for the remaining mileage A mileage setting unit 31 for setting the added insurance mileage in the information, an insurance type setting unit 32 for selecting the added insurance type for the added insurance mileage, and an insurance type setting unit 32 for the added insurance mileage and the added insurance type A payment unit 33 for calculating additional premiums;

An insurance period control module 5 reads the real-time driving mileage of the vehicle-mounted automatic diagnosis system 300 to deduct the remaining mileage information correspondingly, and terminates the auto insurance contract when the remaining mileage information returns to zero, or at the time of adding insurance Terminate the second insurance contract when the mileage is used up;

An insurance execution module 4, which activates the automobile insurance contract and the second insurance contract when the insurance period control module 5 deducts the remaining mileage information; and

A quick claim settlement module 6 is for the user to input accident information during operation and to apply for claim settlement through the electronic device 200 .

Through the above description, we can already understand the structure of this technology, and according to the corresponding cooperation of this structure, we can achieve the purpose of billing only when the car is running, and provide customized insurance policies with specific mileage, and fast claim settlement services, etc. advantages, and a detailed explanation will be explained below.

And the insurance method of vehicle mileage stored value of the present invention, the main steps include:

(a) Online insurance application: The user uses an insurance application module to input identification information and corresponding vehicle registration information to obtain an automobile insurance contract through the electronic device;

(b) Mileage stored value: the user uses a mileage stored value module, pays the premium to obtain the remaining mileage information, and displays the remaining mileage information on the electronic device;

(c) Customized insurance: The user uses an insurance module to obtain a second insurance contract through the electronic device according to the identification information and the corresponding vehicle registration information. If there is an insurance extension, enter the step (d ), if no insurance is added, go directly to step (e);

(d) Additional insurance setting: In the second insurance contract, use a mileage setting unit to set the additional insurance mileage from the remaining mileage information, and then use an insurance type setting unit to select the additional insurance type for the additional insurance mileage, and A payment unit calculates the additional premium for the added mileage and the added insurance type;

(e) Mileage monitoring: during the insurance activation period, use the first insurance period control module to read the real-time driving mileage of the on-board automatic diagnosis system, so as to deduct the remaining mileage information correspondingly;

(f) Insurance activation: The insurance execution module activates the auto insurance contract and the second insurance contract when the insurance period control module deducts the remaining mileage information. If there is an accident, enter step (g), if there is no accident and If the remaining mileage information is not reset to zero, enter step (c); if there is no accident and the remaining mileage information is reset to zero, then directly enter step (h);

(g) Fast claim settlement: When an accident occurs, the user uses a fast claim settlement module to input accident information, and apply for claims through the electronic device; and

(h) Contract termination: Terminate the auto insurance contract when the remaining mileage information returns to zero, or terminate the second insurance contract when the additional mileage is used up.

Please refer to the first figure to the seventh figure at the same time, which are the structural block diagram and the claim settlement schematic diagram of the preferred embodiment of the present invention. When the above-mentioned components are organized, it can be clearly seen from the figure that the insurance of the present invention The system 100 is an application program or a chip IC, which can be executed by being installed in an electronic device 200 such as a smart phone, a notebook computer, or a desktop computer, and the insurance purchase module 1, the mileage storage module 2, and the insurance extension module 3. Insurance execution module 4, insurance period control module 5, and fast claim settlement module 6 are programs with different functions.

As shown in Figure 4 and step (a), firstly, the user can use the insurance module 1 and the electronic device 200's network connection function to apply for insurance online, and enter the owner's name, ID number, birthday of the owner, and photo of the owner , mobile phone number and other identification information, and input vehicle registration information such as license plate number, date of manufacture of the car, driving license, etc., and then obtain a car insurance contract through the electronic device 200 to bind the electronic device 200 . Among them, the identity identification data can be at least one of the car owner or the insured person, and the car registration data can input the information of at least one car, and there is no limit to the type and quantity of the input data. The part of the auto insurance can be car body insurance, At least one of compulsory insurance and liability insurance. In other words, in the future, insurance can be implemented for one person against multiple vehicles, or for multiple persons against one vehicle.

As shown in the fourth picture and step (b), the user needs to continue to use the mileage storage module 2 to purchase the stored value mileage, and different fees will be generated according to the set purchased mileage (such as 2000 kilometers), and then choose the payment method through the electronic device 200 pays the premium to obtain the remaining mileage information, and the remaining mileage information will be stored in the mileage record file, and the user can display the remaining mileage information on the electronic device 200 by operating the insurance system 100 .

As shown in Figure 5, Figure 6, step (c), and step (d), then, the user can choose whether to immediately carry out customized insurance through the insurance extension module 3. If the user chooses to add insurance immediately, then It is necessary to use the mileage setting unit 31 to set the insurance mileage, that is, from the purchased remaining mileage information, it is set that there will be additional protection for the next few kilometers, and the insurance type setting unit 32 is used to select the insurance type for the insurance mileage After the selection is completed, the payment unit 33 calculates the additional premium for the user to pay, so as to obtain the second insurance contract through the electronic device 200 after underwriting. If there is no demand for additional insurance, as long as the stored value mileage has not been used up, the insurance can still be added in the future. For example, if the stored value mileage initially purchased by the user is 2,000 kilometers, and the accumulated mileage is 500 kilometers, and the remaining mileage information is 1,500 kilometers, the user Because the risk of driving on the mountain road in the afternoon is expected to be higher, the excess liability insurance and the insurance amount of the vehicle body insurance are increased for the next 100 kilometers (insured mileage) two hours ago, and the payment unit 33 calculates the additional insurance An additional premium of 600 yuan is required for the excess liability insurance of 100 kilometers, and an additional premium of 400 yuan is required to increase the body insurance.

As shown in Figure 1, Figure 6, step (e) and step (f), when the user obtains the auto insurance contract (and the second insurance contract), the user may not have the need to drive immediately. It has not been started yet, and when the user drives on the road, the insurance period control module 5 will immediately read the real-time driving mileage of the vehicle-mounted automatic diagnosis system 300 to deduct the remaining mileage information correspondingly, and the insurance execution module 4 will also be in danger. When the period control module 5 deducts the remaining mileage information, the auto insurance contract (and the second insurance contract) is automatically activated. In other words, the insurance mechanism is only activated when the vehicle is running, and the user payment spirit of how much to drive and how much to deduct is really achieved. In this way, the calculation of the insurance period is canceled, and the deduction method of the remaining mileage information is equivalent to the concept of stored value. The remaining mileage information is deducted for one kilometer when the car is driven for one kilometer, so as to improve the cost performance of paying the premium. The automatic diagnosis system 300 provides real-time driving mileage, and other personal information related to the driver's privacy does not need to be provided by the on-board automatic diagnosis system 300, which can reduce the driver's willingness to insure due to leakage of personal information.

As shown in Figure 1, Figure 7, step (g) and step (h), during the activation of the insurance mechanism, if the vehicle unfortunately has an accident, the user can use the fast claim settlement module 6 to quickly apply for a claim settlement. Insurance module 1 has already entered the identification information and corresponding vehicle registration information when applying for insurance online, so the relevant basic information does not need to be re-entered, as long as the accident scene photos, other party’s vehicle photos, traffic accident documents and other accident information are provided. Take advantage of this to file a claim quickly. In addition, if the user has not replenished the stored value before the remaining mileage information is used up, the auto insurance contract will be terminated when the remaining mileage information returns to zero. Termination of the second insurance contract, the difference is that whether the remaining mileage information can be directly replenished after the remaining mileage information is zeroed is based on the regulations of the insurance company and the auto insurance contract, while the second insurance contract is only for the added insured mileage at that time , as long as the remaining mileage information has not been reset to zero, you can re-insure and sign a second insurance contract at any time.

Please also refer to the eighth and ninth figures, which are structural block diagrams and implementation schematic diagrams of another preferred embodiment of the present invention. It can be clearly seen from the figure that this embodiment is similar to the above-mentioned embodiment with minor differences. , there is only an insurer evaluation module 11a in the insurance application module 1a, which adjusts the insurance premium according to the insurer's driving record and the driver's habit information of the vehicle-mounted automatic diagnosis system 300a, and in the mileage storage module 2a has a mileage sharing unit 21a and a mileage reminder unit 22a, the mileage reminder unit 22a is when the remaining mileage information is lower than a predetermined mileage value, Generate a reminder message to the electronic device 200a, and the insurance system 100a has a travel record module 7a and an insurance policy inquiry module 8a, the travel record module 7a is used to read the driving information of the vehicle-mounted automatic diagnosis system 300a record, and displayed on the electronic device 200a, and the policy inquiry module 8a is used to display the auto insurance contract and the second insurance contract on the electronic device 200a, wherein the insurer evaluation module 11a, mileage sharing unit 21a, The mileage reminding unit 22a, the travel record module 7a, and the insurance policy inquiry module 8a are also exemplified by electronic components on a chip or IC.

If the user agrees to use the location information in the on-board automatic diagnosis system 300a and other data related to personal data in the present invention, the functions of the insurer evaluation module 11a and the journey record module 7a can be used. The insurer evaluation module 11a can use information such as driving habits and violation records of different drivers as the basis for premium adjustment when applying for insurance, and the present invention allows multiple people to share a car, and multiple insurance systems 100a correspond to the same car Therefore, when the insurance execution module 4a operates, the identity identification data will be confirmed in advance, and the driving record will be stored in the insurer evaluation module 11a and the journey record module 7a corresponding to the insurer.

In addition, in order to prevent the user from neglecting the remaining mileage information, the present invention utilizes the mileage reminding unit 22a to display a warning on the electronic device 200a (such as the mileage to be Not enough! Click me to renew), which can effectively ensure the protection and rights of the driver. And because the present invention adopts the insurance mechanism of the stored value mileage, so the use of the remaining mileage information is similar to the stored value of common cards, and the remaining mileage information can be transferred to other people by using the mileage sharing unit 21a, which has a higher degree of freedom and flexibility in use. convenience. Certainly, the present invention also provides the function of inquiring about the content of the insured insurance policy. As long as the policy inquiring module 8a is used, the content of the auto insurance contract and the second insurance contract can be quickly inquired and displayed on the electronic device 200a.

However, the above description is only a preferred embodiment of the present invention, and does not limit the patent scope of the present invention. Therefore, all simple modifications and equivalent structural changes made by using the description and drawings of the present invention should be treated in the same way. Included in the scope of the patent of the present invention, it is jointly stated.

To sum up, the vehicle mileage stored value insurance system and its method of the present invention can indeed achieve its effect and purpose when used, so the present invention is an invention with excellent practicability and meets the application requirements for invention patents , filed an application in accordance with the law, and hope that the review committee will approve the invention as soon as possible to protect the hard work of the inventor. If the review committee has any doubts, please feel free to send a letter to instruct. The inventor will do his best to cooperate, and I really appreciate it.

100: Insurance system

200: electronic device

300: On-board automatic diagnosis system

1: Insurance module

2: Mileage storage module

3: Security module

31: Mileage setting unit

32: Insurance type setting unit

33: Paid unit

4: Insurance Execution Module

5: Insurance period control module

6: Quick claims module

Claims (6)

An insurance system for stored value of vehicle mileage, the insurance system is installed in an electronic device, and the information is connected to an on-board automatic diagnosis system, the insurance system mainly includes: an insurance application module, which is used for users to input identification data, And the corresponding car registration data, so as to obtain an automobile insurance contract through the electronic device; a mileage stored value module, which is used for the user to pay the premium to obtain the remaining mileage information, and display the remaining mileage information on the electronic device; OnePlus The insurance module is for the user to obtain a second insurance contract through the electronic device according to the identity identification data and the corresponding vehicle registration information, and the insurance addition module includes an insurance extension for setting the remaining mileage information. A mileage setting unit for the mileage, an insurance type setting unit for selecting the type of insurance for the added mileage, and a payment unit for calculating additional premiums for the added mileage and the type of insurance; an insurance period control module, It reads the real-time driving mileage of the on-board automatic diagnosis system to deduct the remaining mileage information correspondingly, and terminates the auto insurance contract when the remaining mileage information returns to zero, or terminates the second insurance contract when the insured mileage is used up. Insurance contract; an insurance execution module, which activates the auto insurance contract and the second insurance contract when the insurance period control module deducts the remaining mileage information; and a fast claim settlement module, which is used for user input during operation and execution accident information, and apply for claims through the electronic device. As for the insurance system for vehicle mileage storage described in Item 1 of the scope of the patent application, there is an insurer evaluation unit in the insurance application module, which is based on the insurer's driving record and the driver's habit information of the on-board automatic diagnosis system. Adjustment of premium. The vehicle mileage stored-value insurance system described in item 1 of the scope of the patent application, wherein the mileage stored-value module has a mileage sharing unit. The insurance system for stored value of vehicle mileage as described in item 1 of the scope of the patent application, wherein the stored value module for mileage has a mileage reminder unit, which generates a reminder message when the remaining mileage information is lower than a predetermined mileage value to the electronic device. The insurance system for vehicle mileage storage described in item 1 of the scope of the patent application, wherein the insurance system has a travel record module, which is used to read the driving record of the vehicle-mounted automatic diagnosis system and display it on the electronic device. The insurance system for stored value of vehicle mileage as described in item 1 of the scope of the patent application, wherein the insurance system has an insurance policy query module for displaying the automobile insurance contract and the second insurance contract on the electronic device.

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