WO1999021112A1 - Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature - Google Patents
Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature Download PDFInfo
- Publication number
- WO1999021112A1 WO1999021112A1 PCT/FR1997/001888 FR9701888W WO9921112A1 WO 1999021112 A1 WO1999021112 A1 WO 1999021112A1 FR 9701888 W FR9701888 W FR 9701888W WO 9921112 A1 WO9921112 A1 WO 9921112A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- contract
- subject
- electronic appliances
- consumption
- insurance premiums
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q99/00—Subject matter not provided for in other groups of this subclass
Definitions
- the present invention relates to electronic devices capable of managing the consumption of insurance premiums, applied to land, sea or air vehicles, as well as to humans and other ⁇ objects or animals subject to an insurance contract, in order to to optimize its cost and effectiveness.
- the devices will be fixed, portable, or mobile. They will allow, among other things, easy management of the period of non-use of the insured thing, which companies have great difficulty in implementing but, which corresponds to
- the central unit which will be a chip card reader and writer, will be possible in several ways.
- Electronic microprocessor enclosed in a waterproof and refractory 3S box at the level of the circuit of the card, will have two independent power supplies, one allowing the storage of memories, the other will serve as a backup power supply in the event of failure of the primary source when it comes from outside (mobile or fixed).
- the portable model will have a backup power supply and another for use.
- a liquid crystal screen will indicate in clear, possibly in several languages, the status of the device: the internal management will take, at power up, the validity of the access code and the smart card, may
- the keyboard allowing the selection of different menus.
- the fixed or mobile model can be fitted with a remote keyboard, which will be incorporated in the portable version.
- First generation device will be equipped with zo sensitive sensors that will detect any movement in the three reference axes, which will allow the application of a different pricing, depending on whether there are displacements or not, Indeed, the risk n is not the same in both cases. More sophisticated devices: sensitive sensors
- 2sr can be replaced by a G. P.S. receiver, which would inform the computer of any movement, while possibly keeping its function of aid to navigation.
- read-write is done by direct connection, or by modem, with a computer system (computer) which can be located at the insurer.
Landscapes
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Credit Cards Or The Like (AREA)
Abstract
Description
Claims
Priority Applications (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU49503/97A AU4950397A (en) | 1997-10-20 | 1997-10-20 | Electronic appliances for precise management of consumption of insurance premiums subject to any type of contract |
DE69712800T DE69712800D1 (de) | 1997-10-20 | 1997-10-20 | Elektronisches gerät zum genauen bestimmen der ausnutzung von versicherungspraemien die vertragsverbindlich sind |
EP97912237A EP1025523B1 (fr) | 1997-10-20 | 1997-10-20 | Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature |
JP2000517362A JP2001521226A (ja) | 1997-10-20 | 1997-10-20 | 各種の保険証券のもとで保険料の消費を正確に管理する電子装置 |
PCT/FR1997/001888 WO1999021112A1 (fr) | 1997-10-20 | 1997-10-20 | Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature |
AT97912237T ATE217991T1 (de) | 1997-10-20 | 1997-10-20 | Elektronisches gerät zum genauen bestimmen der ausnutzung von versicherungspraemien die vertragsverbindlich sind |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/FR1997/001888 WO1999021112A1 (fr) | 1997-10-20 | 1997-10-20 | Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1999021112A1 true WO1999021112A1 (fr) | 1999-04-29 |
Family
ID=9503858
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/FR1997/001888 WO1999021112A1 (fr) | 1997-10-20 | 1997-10-20 | Appareils electroniques permettant de gerer avec precision la consommation des primes d'assurances qui font l'objet d'un contrat quelle qu'en soit la nature |
Country Status (6)
Country | Link |
---|---|
EP (1) | EP1025523B1 (fr) |
JP (1) | JP2001521226A (fr) |
AT (1) | ATE217991T1 (fr) |
AU (1) | AU4950397A (fr) |
DE (1) | DE69712800D1 (fr) |
WO (1) | WO1999021112A1 (fr) |
Cited By (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20020045186A (ko) * | 2000-12-08 | 2002-06-19 | 오성준 | 유/무선 통신망을 이용한 차량 보험 이벤트 관리 시스템및 이를 이용한 차량 보험 이벤트 관리 방법 |
JP2002230303A (ja) * | 2001-02-05 | 2002-08-16 | Nissan Fire & Marine Insurance Co Ltd | 保険料決定装置、保険料決定方法および保険料決定プログラム |
WO2003065261A1 (fr) * | 2002-01-30 | 2003-08-07 | Fujitsu Limited | Systeme de transactions sur les assurances et procede utilisant des informations sur les habitudes personnelles |
KR100430904B1 (ko) * | 1999-12-23 | 2004-05-12 | 주식회사 카포인트 | 운행거리 및 시간에 따른 선불식 자동차 보험 처리방법 및처리시스템 |
US7343306B1 (en) | 2000-04-20 | 2008-03-11 | International Business Machines Corporation | Location-based vehicle risk assessment system |
US8595034B2 (en) | 1996-01-29 | 2013-11-26 | Progressive Casualty Insurance Company | Monitoring system for determining and communicating a cost of insurance |
US8892451B2 (en) | 1996-01-29 | 2014-11-18 | Progressive Casualty Insurance Company | Vehicle monitoring system |
US11030702B1 (en) | 2012-02-02 | 2021-06-08 | Progressive Casualty Insurance Company | Mobile insurance platform system |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP4487723B2 (ja) * | 2004-10-15 | 2010-06-23 | ソニー株式会社 | 自動車保険料計算システム、自動車保険料計算装置、及び自動車保険料計算プログラム |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4667336A (en) * | 1985-10-09 | 1987-05-19 | Burlington Industries, Inc. | Automatic detection of seat belt usage |
WO1990002388A1 (fr) * | 1988-08-26 | 1990-03-08 | Norwegian Biotronics A/S | Procede d'enregistrement du profil de conduite d'un vehicule a moteur et appareil constitue par un compteur d'intervalles pour la realisation dudit procede |
WO1994025936A1 (fr) * | 1993-04-30 | 1994-11-10 | Jim Laprevotte | Systeme de controle pour vehicule automobile |
US5459304A (en) * | 1994-09-13 | 1995-10-17 | At&T Ipm Corp. | Smart card techniques for motor vehicle record administration |
EP0700009A2 (fr) * | 1994-09-01 | 1996-03-06 | Salvador Minguijon Perez | Système d'évaluation individuelle du risque véhicule automobile |
-
1997
- 1997-10-20 EP EP97912237A patent/EP1025523B1/fr not_active Expired - Lifetime
- 1997-10-20 AT AT97912237T patent/ATE217991T1/de not_active IP Right Cessation
- 1997-10-20 JP JP2000517362A patent/JP2001521226A/ja not_active Withdrawn
- 1997-10-20 WO PCT/FR1997/001888 patent/WO1999021112A1/fr active IP Right Grant
- 1997-10-20 DE DE69712800T patent/DE69712800D1/de not_active Expired - Lifetime
- 1997-10-20 AU AU49503/97A patent/AU4950397A/en not_active Abandoned
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4667336A (en) * | 1985-10-09 | 1987-05-19 | Burlington Industries, Inc. | Automatic detection of seat belt usage |
WO1990002388A1 (fr) * | 1988-08-26 | 1990-03-08 | Norwegian Biotronics A/S | Procede d'enregistrement du profil de conduite d'un vehicule a moteur et appareil constitue par un compteur d'intervalles pour la realisation dudit procede |
WO1994025936A1 (fr) * | 1993-04-30 | 1994-11-10 | Jim Laprevotte | Systeme de controle pour vehicule automobile |
EP0700009A2 (fr) * | 1994-09-01 | 1996-03-06 | Salvador Minguijon Perez | Système d'évaluation individuelle du risque véhicule automobile |
US5459304A (en) * | 1994-09-13 | 1995-10-17 | At&T Ipm Corp. | Smart card techniques for motor vehicle record administration |
Cited By (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8595034B2 (en) | 1996-01-29 | 2013-11-26 | Progressive Casualty Insurance Company | Monitoring system for determining and communicating a cost of insurance |
US8892451B2 (en) | 1996-01-29 | 2014-11-18 | Progressive Casualty Insurance Company | Vehicle monitoring system |
US9754424B2 (en) | 1996-01-29 | 2017-09-05 | Progressive Casualty Insurance Company | Vehicle monitoring system |
KR100430904B1 (ko) * | 1999-12-23 | 2004-05-12 | 주식회사 카포인트 | 운행거리 및 시간에 따른 선불식 자동차 보험 처리방법 및처리시스템 |
US7343306B1 (en) | 2000-04-20 | 2008-03-11 | International Business Machines Corporation | Location-based vehicle risk assessment system |
KR20020045186A (ko) * | 2000-12-08 | 2002-06-19 | 오성준 | 유/무선 통신망을 이용한 차량 보험 이벤트 관리 시스템및 이를 이용한 차량 보험 이벤트 관리 방법 |
JP2002230303A (ja) * | 2001-02-05 | 2002-08-16 | Nissan Fire & Marine Insurance Co Ltd | 保険料決定装置、保険料決定方法および保険料決定プログラム |
WO2003065261A1 (fr) * | 2002-01-30 | 2003-08-07 | Fujitsu Limited | Systeme de transactions sur les assurances et procede utilisant des informations sur les habitudes personnelles |
US11030702B1 (en) | 2012-02-02 | 2021-06-08 | Progressive Casualty Insurance Company | Mobile insurance platform system |
Also Published As
Publication number | Publication date |
---|---|
DE69712800D1 (de) | 2002-06-27 |
JP2001521226A (ja) | 2001-11-06 |
EP1025523B1 (fr) | 2002-05-22 |
ATE217991T1 (de) | 2002-06-15 |
AU4950397A (en) | 1999-05-10 |
EP1025523A1 (fr) | 2000-08-09 |
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