TWM526727U - System for identifying mileage by photographing and positioning insurance reporting - Google Patents

Description

Photographic mileage and location insurance reporting system

This creation is about an insurance declaration system, especially a system for reporting mileage and location insurance.

With the evolution of the times, steam and locomotives have become indispensable means of transportation for modern people's daily lives. However, the vehicle may be damaged, destroyed or stolen during use, resulting in personal injury or property damage, and most of these damage, destruction or theft are unpredictable. Therefore, users are very common in car insurance for individual cars and locomotives.

In recent years, with the popularity of Internet and personal mobile devices, many insurance companies provide online insurance services. The user inputs the basic information of the individual through the personal mobile device, and the insurance company determines the user premium according to the static factor of the user's age, gender, model, anecdotal record, and the like. Therefore, it is difficult to adjust the auto insurance premiums to reflect individual risks.

Therefore, the purpose of the present invention is to provide a photographic recognition The mileage and location insurance reporting system is expected to be able to accurately reflect individual risks and make premium adjustments.

According to an embodiment of the present invention, a photographic identification mileage and location insurance reporting system is provided, comprising: a processor; an input interface connected to the processor signal, configured to guide a user to input basic data; and connected to the processor signal The image acquisition unit is configured to obtain the mileage image, and the processor outputs the mileage number after the mileage image is recognized; the positioning unit connected to the processor signal is configured to provide a satellite positioning position when the image acquisition unit obtains the mileage image; And a storage unit connected to the processor signal for storing basic data, mileage images, mileage and satellite positioning position, wherein the processor calculates the user's premium factor by using basic data and mileage. Accordingly, an embodiment of the photographic identification mileage and location insurance reporting system of the present invention can provide a usage based insurance (UBI) based on driving behavior pricing.

In the novel photographic identification mileage and location insurance declaration system, the basic information includes the user's name, ID number, age, mobile phone number, address, vehicle information and license number. Among them, the photographic identification mileage and location insurance reporting system can be one of a notebook computer, a smart phone, a tablet computer and a personal digital assistant.

According to another embodiment of the present invention, a photographic identification mileage and location insurance reporting system is provided, comprising: a processor; an image acquisition unit connected to the processor signal, configured to obtain a mileage image, and the processor recognizes the mileage image. After outputting the number of miles; a positioning unit connected to the processor signal for providing the image acquisition unit when obtaining the mileage image a satellite positioning location; and a storage unit coupled to the processor signal for storing basic data, mileage images, mileage, and satellite positioning locations, wherein the camera identification mileage and location insurance reporting system will provide basic data, mileage images, The mileage and satellite positioning position are transmitted to the external host. The external host stores the basic data, mileage image, mileage and satellite positioning position, and calculates the user's premium factor by basic data and mileage. Then the external host Transfer premiums to photo identification mileage and location insurance reporting systems. Accordingly, another embodiment of the photographic identification mileage and location insurance reporting system of the present invention can provide a customized insurance based on driving behavior pricing.

In the novel photographic identification mileage and location insurance declaration system, the basic information includes the user's name, ID number, age, mobile phone number, address, vehicle information and license number. Among them, the photographic identification mileage and location insurance reporting system can be one of a notebook computer, a smart phone, a tablet computer and a personal digital assistant. The camera identification mileage and location insurance reporting system is in communication with an external host, wherein the communication connection is a signal encrypted communication connection.

According to still another embodiment of the present invention, a photographic identification mileage and location insurance reporting system is provided, comprising: a processor and an input interface and an image acquisition unit connected to the processor signal, the input interface guiding the user to perform the following steps: inputting the basic Data, and the basic data is transmitted to the external host; the authentication letter transmitted after the basic data is verified by the external host; the user logs in to the input interface through the authentication letter; and the image acquisition unit obtains the first mileage image; after a time interval Use image capture The unit obtains the second mileage image; and the input interface shows the use of the basic data, the first mileage output after identifying the first mileage image, and the second mileage output after identifying the second mileage image. One of the premium factors. Accordingly, yet another embodiment of the present photographic identification mileage and location insurance reporting system can provide a customized insurance based on driving behavior pricing.

In the novel photographic identification mileage and location insurance declaration system, the basic information includes the user's name, ID number, age, mobile phone number, address, vehicle information and license number. Among them, the photographic identification mileage and location insurance reporting system can be one of a notebook computer, a smart phone, a tablet computer and a personal digital assistant. The photographic identification mileage and location insurance reporting system may further comprise a positioning unit connected to the processor signal, and the positioning unit is configured to provide a satellite positioning position when the image acquisition unit obtains the mileage image. The communication connection between the photo recognition mileage and the location insurance declaration system and the external host is a signal encryption communication connection. Among them, the time interval is one of 30 days, 60 days and 90 days.

100‧‧‧Photographic Identification Mileage and Positioning Insurance Reporting System

110‧‧‧ processor

120‧‧‧Input interface

130‧‧‧Image acquisition unit

140‧‧‧ storage unit

150‧‧‧ Positioning unit

160‧‧‧Confirmation unit

201, 202, 203, 204, 205, 206, 207, 208 ‧ ‧ steps

C‧‧‧Communication connection

FIG. 1 is a block diagram showing an embodiment of the photographic identification mileage and positioning insurance reporting system of the present invention.

FIG. 2 is a flow chart showing the operation of the novel photographic identification mileage and positioning insurance declaration system.

Please refer to FIG. 1 , which is a block diagram showing an embodiment of the photographic identification mileage and location insurance reporting system 100 of the present invention. The photo recognition mileage and location insurance reporting system 100 can be a notebook, a smart phone, a tablet, a personal digital assistant (PDA), or any other consumer electronics device. .

As can be seen from FIG. 1 , the photographic mileage and location insurance reporting system 100 includes a processor 110 and an input interface 120 connected to the processor 110 , an image acquisition unit 130 , a storage unit 140 , a positioning unit 150 , and a confirmation unit 160 . The camera identification mileage and location insurance reporting system 100 can be in communication with the external host 200, wherein the communication connection can be a currently known wireless transmission technology, such as CDMA, 3G or 4G, LTE, Wi-Fi, WiMax, WWAN, WLAN. , WPAN, Bluetooth, and more. In addition, the communication connection between the photographic identification mileage and location insurance reporting system 100 of the present invention and the external host 200 is preferably a signal-encryptable communication connection.

The input interface 120 is an application (APP) interface downloaded from an application store. The input interface 120 is used to guide the user to input basic information of the user. The basic information includes the user's name, ID number, age, mobile phone number, address, vehicle information and license number. The image acquisition unit 130 is a device having an imaging function. For example: a video camera on a smartphone, tablet or PDA or a video camera on a laptop. In the photographic identification mileage and location insurance reporting system 100 of the present invention, the image acquisition unit 130 is used to generate mileage images on the dashboard of the vehicle. The positioning unit 150 is configured to provide a satellite positioning position of the camera identification mileage and location insurance reporting system 100 when the image acquisition unit 130 obtains the mileage image. The confirmation unit 160 is a time-limited photographing and location reporting function for confirming whether it is the same vehicle when the insurance application data is uploaded.

The processor 110 recognizes the mileage image generated by the image acquisition unit 130 and outputs the identified mileage. The storage unit 140 may be, for example, a built-in hard disk capable of providing a large-capacity storage space, an external portable hard disk, a memory card, a compact disc or a magnetic tape, or the like. The storage unit 140 of the photographic identification mileage and location insurance reporting system 100 of the present invention stores basic data of the user, mileage of the user's vehicle, and satellite positioning position of the mileage image. The processor 110 calculates the user's premium by using the basic data and the mileage described above. The external host 200 in FIG. 1 may be an insurance server, which is usually set up at an insurance company or authorized by an insurance company to manage the system. The external host 200 can be used to receive and store the camera identification mileage and the basic data of the user transmitted by the location insurance notification system 100, the mileage of the user vehicle, and the satellite positioning position of the mileage image. The external host 200 can also calculate the user's premium factor by using the basic data and mileage described above.

Please refer to FIG. 1 and FIG. 2 at the same time, wherein FIG. 2 is a flow chart showing the operation of the photographic identification mileage and positioning insurance declaration system of the present invention. The operation flow chart shown in FIG. 2 is to guide the user in the photo identification mileage and positioning insurance declaration system 100 by the input interface 120 in FIG. Perform the steps described below.

In step 201, the user logs in the ID card number and the mobile phone number through the input interface 120 downloaded from the application market through the photo recognition mileage and location insurance reporting system 100, and transmits the ID card number and the mobile phone number to the external host 200.

In step 202, after receiving the ID number and the mobile phone number, the external host 200 sends a short message to the camera identification mileage and location insurance reporting system 100 including the mobile phone authentication password, and the user inputs the received mobile phone authentication password to the input interface 120. Mobile phone verification in the corresponding field. The mobile phone authentication password is a one-time password, and the user must input within 5 minutes after receiving the short message, otherwise the mobile phone authentication password will be invalid. When the mobile phone verification is successful, then step 203 is performed. If the mobile phone verification fails, the process returns to step 201.

In step 203, the user fills in the basic information of the member in the input interface 120, and the filled information includes the user's name, ID number, age, mobile phone number, e-mail address, address, vehicle information, and license plate number. The camera identification mileage and location insurance reporting system 100 then transmits the above basic data to the external host 200.

In step 204, after the external host 200 receives the photo identification mileage and the basic data of the user transmitted by the location insurance notification system 100, the external host 200 transmits an authentication letter including the member activation password to the user's electronic mail box.

In step 205, after the user logs in through the input interface 120 using the received member activation password, the photo recognition can be started. The mileage and location insurance reporting system 100 makes a mileage report.

In step 206, the input interface 120 will prompt the user to take the first number of miles on the vehicle dashboard.

In step 207, about 30 days, 60 days, or 90 days after the first time the number of miles on the dashboard of the vehicle is taken, the input interface 120 will again remind the user to take the first number of miles on the dashboard of the vehicle.

In step 208, the annualization calculation of the premium factor is performed by using the basic data, the first mileage output after identifying the first mileage image, and the second mileage output after identifying the second mileage image. The calculations may be performed by the processor 110 in the photographic identification mileage and location insurance reporting system 100, or by the external host 200.

The annualized calculation of the premium is calculated by dividing the first mileage by the second mileage, dividing by the number of days between the second shot and the first shot, and then multiplying by 365 days (or 366 days). ). The resulting figure is the estimated number of miles the user will travel in a year. The user's premium factor can be obtained by comparing the estimated mileage of the user within one year with the mileage-based premium comparison table.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention. Any one skilled in the art can make various changes and retouchings without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.

100‧‧‧Photographic Identification Mileage and Positioning Insurance Reporting System

110‧‧‧ processor

120‧‧‧Input interface

130‧‧‧Image acquisition unit

140‧‧‧ storage unit

150‧‧‧ Positioning unit

160‧‧‧Confirmation unit

200‧‧‧External host

C‧‧‧Communication connection

Claims (13)

A camera identification mileage and location insurance reporting system includes: a processor; an input interface coupled to the processor signal, the input interface for guiding a user to input a basic data; an image acquisition unit, and the The processor is connected to the processor signal, and the positioning unit is configured to provide a mileage image. The image acquisition unit acquires one of the satellite positioning positions of the mileage image; and a storage unit connected to the processor signal, the storage unit is configured to store the basic data, the mileage image, the mileage, and the satellite a location location, wherein the processor calculates a premium factor of the user by using the basic data and the mileage. For example, the photographic identification mileage and location insurance declaration system of claim 1 includes the user's name, ID number, age, mobile phone number, address, vehicle information and license number. For example, the photographic identification mileage and location insurance reporting system of claim 1 is one of a notebook computer, a smart phone, a tablet computer, and a personal digital assistant. A camera identification mileage and location insurance declaration system, comprising: a processor; the input interface is configured to connect to the processor signal, the input interface is configured to guide the user to input a basic data; an image acquisition unit is coupled to the processor signal, and the image acquisition unit is configured to obtain a a mileage image, the processor identifies the mileage image and outputs a mileage; a positioning unit is coupled to the processor signal, and the positioning unit is configured to provide a satellite when the image acquisition unit obtains the mileage image a location location; and a storage unit coupled to the processor signal, the storage unit configured to store the mileage image, the mileage, and the satellite positioning location, wherein the camera identification mileage and location insurance reporting system bases the data The mileage image, the mileage and the satellite positioning location are transmitted to an external host, and the external host calculates the basic data, the mileage image and the mileage, and calculates the basic data and the mileage. One of the user's premiums, and then the external host transmits the premium to the photo identification mileage and location insurance reporting system . For example, the photographic identification mileage and location insurance declaration system of claim 4, wherein the basic information includes the user's name, ID number, age, mobile phone number, address, vehicle information and license number. For example, the photographic identification mileage and location insurance reporting system of claim 4, wherein the photographic identification mileage and location insurance reporting system is one of a notebook computer, a smart phone, a tablet computer, and a personal digital assistant. For example, the photographic identification mileage and location insurance reporting system of claim 4, wherein the photographic identification mileage and location insurance reporting system is in communication with the external host, wherein the communication connection is a signal encrypted communication connection. A photographic identification mileage and location insurance reporting system includes: a processor and an input interface connected to the processor signal, and an image acquisition unit, the input interface guiding the user to perform the following steps: inputting a basic data and The basic data is transmitted to an external host; an authentication message transmitted after the basic data is verified by the external host; the user logs in to the input interface through the authentication signal; and the image acquisition unit obtains the first mileage image; After the time interval, the image acquisition unit obtains the second mileage image; and the input interface displays a first mileage generated by the basic data, the first mileage image is recognized, and the second mileage is identified. One of the user's premium factors calculated by a second mileage output after the image. For example, the photographic identification mileage and location insurance declaration system of claim 8 includes the user's name, ID number, age, mobile phone number, address, vehicle information and license number. For example, the photographic identification mileage and location insurance declaration system of claim 8 of the patent scope, wherein the photographic identification mileage and location insurance declaration system is in a notebook computer, a smart phone, a tablet computer, and a personal digital assistant. One. The photographic identification mileage and location insurance reporting system of claim 8 further includes a positioning unit connected to the processor signal, and the positioning unit is configured to provide one satellite when the image acquisition unit acquires the mileage image. Position the location. For example, the photographic identification mileage and location insurance reporting system of claim 8 is wherein the communication connection between the photographic identification mileage and location insurance reporting system and the external host is a signal encrypted communication connection. For example, the photographic identification mileage and location insurance reporting system of claim 8 of the patent scope, wherein the time interval is one of 30 days, 60 days, and 90 days.