WO2000058915A1 - A method and system for activating/deactivating prepaid insurance policies by telephone - Google Patents

A method and system for activating/deactivating prepaid insurance policies by telephone Download PDF

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Publication number
WO2000058915A1
WO2000058915A1 PCT/IT2000/000099 IT0000099W WO0058915A1 WO 2000058915 A1 WO2000058915 A1 WO 2000058915A1 IT 0000099 W IT0000099 W IT 0000099W WO 0058915 A1 WO0058915 A1 WO 0058915A1
Authority
WO
WIPO (PCT)
Prior art keywords
insurance
prepaid
telephone
deactivating
activating
Prior art date
Application number
PCT/IT2000/000099
Other languages
French (fr)
Inventor
Gianfranco De Santis
Original Assignee
Gianfranco De Santis
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Gianfranco De Santis filed Critical Gianfranco De Santis
Priority to AU38346/00A priority Critical patent/AU3834600A/en
Publication of WO2000058915A1 publication Critical patent/WO2000058915A1/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
    • G07C5/0841—Registering performance data
    • G07C5/085—Registering performance data using electronic data carriers
    • G07C5/0858—Registering performance data using electronic data carriers wherein the data carrier is removable

Definitions

  • This invention relates to a method and system for activating/deactivating insurance policies, purchased with a prepaid card and/or contract, in order to have coverage only in a desired period.
  • the prepaid card and/or contract for the period of insurance one desires may be purchased at the insurance company's premises, at a bank or at any other authorized sellers, such as newsagents, for example.
  • the card is necessarily sold with a contract specifying the terms and conditions of insurance, in acknowledgement of said terms and conditions.
  • the cover may then be activated by telephone, by communicating a personal identification number, or automatically, for example through a device connected to the vehicle's ignition system, capable of transmitting a predetermined code to the insurer via the mobile telephone and/or satellite network, the insurer then calculates the premium due, according to the required periodof cover, and communicates it to a financial institution, a bank, for example, which then charges the client's account.
  • Figure 1 shows a general diagram of the system.
  • Figure 2 shows a block diagram of a "dedicated" system for motor vehicle insurance.
  • the system is based on the use of: (i) prepaid cards, credit cards and/or contracts as the means of payment; (ii) GSM (or subsequent generation) telephone lines as the means of communication; (iii) a call centre at the insurance company's premises, or elsewhere; and (iv) the use of personal identification numbers and secret codes drawn, for example, from the insured's tax code, VAT registration number or vehicle number plate.
  • the call centre receives the request for activation of the prepaid card and/or contract by the insured, the requests for activation/deactivation of the periods of cover, supplies the activation/deactivation confirmation codes and stores them on an indelible computer medium, also memorizing the prepaid card and/or contract number, the user code, the secret activation/deactivation codes, making it possible to trace the activated periods of cover.
  • the security of the activation method and of the payments is ensured by the use of appropriate recognition and clearance control codes.
  • the call centre stores the personal identification numbers of the cards and/or contracts produced and the relative secret codes in a specific file, and memorizes the distributed card and/or contract numbers for validating the insurance cover.
  • the communication of the prepaid insurance card and/or contract number allows the call centre to prevent the access of all non-valid, such as expired, forged or stolen cards and/or contracts.
  • the period of cover may be activated by the client by communicating the various codes required by the call centre through the alphanumeric keyboard on the telephone, with an interactive procedure.
  • the insurance coverage may be activated by: 1. entering the insurance card activation/deactivation number; 2. communicating the desired period of cover through the telephone keyboard;
  • the user calls the call centre by telephone and activates the insurance policy by entering his or her card number .
  • the user is then interactively guided to communicate the desired period of cover and the insurance category, as well as any other optional choice.
  • the call centre requests the user to enter his/her secret code, which must correspond to the one stored at the centre, as a further means of protection of the card and as confirmation of the desired period of cover and the insurance category.
  • the call centre then supplies, as a receipt of the period of cover, a univocal identification number and at the same time deducts from the value of the prepaid card and/or contract the premium for the requested period of cover, and stores the data relating to the period of cover, the insurance category and the card and/or contract.
  • the insured may then know the residual value of his/her card by calling the call centre.
  • the user In the event of a reimbursement, the user must present to the insurance company the card and the secret codes communicated by the call centre at the validation of the period of cover, which he/she must have taken note of.
  • the activation/deactivation of the desired period of cover or the calculation of the policy premium may be automatically achieved simply by starting and stopping the vehicle; the pulse generated by a sensor connected to the vehicle's ignition system is recorded and read by the data control unit installed on board the vehicle.
  • This data control unit records the event and transmits the recorded data, for a predetermined observation period, via the mobile telephone network or satellite system to a data processing centre which, in turn, records the following data on a magnetic medium and/or paper: the hour, minute, second, day, month, year of the event and the coordinates of the vehicle's position (longitude and latitude).
  • the vehicle's position will then be surveyed by a satellite through the GPS unit contained in the data control unit.
  • the data will then be transformed from time units into currency units in order to calculate and communicate to the Client/end user the amount of the premium. This amount may also be sent to the bank or other financial institution for charging the Client's credit card or current account.
  • the insurance coverage activation/deactivation system comprises:
  • a device installed on board the vehicle and composed of: a data control unit capable of communicating with a GPS satellite and the mobile telephone network and powered by the vehicle battery, or a buffer battery for emergency cases, if the vehicle battery isn't working.
  • the data control unit is connected to the vehicle's ignition system and to an alarm generating unit, which is activated if the data control unit is tampered with.
  • the device installed on board the vehicle is composed of a data control unit powered by the vehicle's battery and comprising an event generating unit directly connected to the vehicle's ignition system; the event generating unit is connected, via an antenna, to a GPS satellite system to monitor the vehicle's position; the GPS detects its position and transmits the surveyed data to a reading unit, which then forwards it to an event storage unit, which memorizes the hour, minute, second and date of the event and the vehicle's position when it is switched on and off.
  • the generated event is then periodically transmitted, according to predetermined intervals, by the event storage unit, via a mobile telephone network or satellite system, to the call centre, where the time units are recorded on an indelible medium and then communicated -co the Client/user; the time units are reported to the insurance company, where they are translated into a premium expressed in currency (it may also transform the time units directly into currency units, if expressly authorized by the insurance company) .
  • the Client/user then receives from the insurance company, or other operator, a statement for a monitored period specifying the premium payable for the period of cover surveyed by the data control unit.
  • the system operation control messages between the data control unit installed on board the vehicle and the operating control unit are transmitted on a periodical basis, so as not to overload the telephone line used by the system with SMS messages.
  • an alarm event is automatically generated and stored in the internal storage unit and an alarm signal is transmitted to the operating centre monitoring the operating status of the data control unit and hence to the Client/user.
  • the communications between the data control unit and the call centre will take place via the mobile telephone network or satellite system according to the standards in force at the time of use of this embodiment of the system.

Abstract

The invention relates to a method and system for activating/deactivating an insurance contract purchased by means of a prepaid card and/or contract, for obtaining insurance coverage only in the desired periods.

Description

DESCRIPTION
A method and system for activating/deactivating prepaid insurance policies by telephone. Technical field
This invention relates to a method and system for activating/deactivating insurance policies, purchased with a prepaid card and/or contract, in order to have coverage only in a desired period. State of the art
Currently, insurance policies are bought principally at the insurance company's premises, by entering into a contract for a predetermined period of cover. This system features several shortcomings, for example, having to go to the insurance company's premises, which may be time-consuming, and being required to enter into an insurance contract for a predetermined coverage period, not necessarily coinciding with one's actual needs. In brief, when one buys an insurance policy for a yacht, for example, the contract will provide for a predetermined period of cover, 1 month, 3 months, 6 months, and so on, even if the yacht is used only on weekends or holidays and is pulled ashore on weekdays. Other examples are motor car insurance for cars used only sporadically, such as a vintage car, travel insurance, etc. Description of invention
According to the present invention the prepaid card and/or contract for the period of insurance one desires, may be purchased at the insurance company's premises, at a bank or at any other authorized sellers, such as newsagents, for example. The card is necessarily sold with a contract specifying the terms and conditions of insurance, in acknowledgement of said terms and conditions. The cover may then be activated by telephone, by communicating a personal identification number, or automatically, for example through a device connected to the vehicle's ignition system, capable of transmitting a predetermined code to the insurer via the mobile telephone and/or satellite network, the insurer then calculates the premium due, according to the required periodof cover, and communicates it to a financial institution, a bank, for example, which then charges the client's account. Brief description of the drawings
A specific embodiment of the invention will now be described by way of example with reference to the accompanying drawing in which:
Figure 1 shows a general diagram of the system.
Figure 2 shows a block diagram of a "dedicated" system for motor vehicle insurance.
Detailed description of the preferred embodiment Referring to the figure 1, the system is based on the use of: (i) prepaid cards, credit cards and/or contracts as the means of payment; (ii) GSM (or subsequent generation) telephone lines as the means of communication; (iii) a call centre at the insurance company's premises, or elsewhere; and (iv) the use of personal identification numbers and secret codes drawn, for example, from the insured's tax code, VAT registration number or vehicle number plate. The call centre receives the request for activation of the prepaid card and/or contract by the insured, the requests for activation/deactivation of the periods of cover, supplies the activation/deactivation confirmation codes and stores them on an indelible computer medium, also memorizing the prepaid card and/or contract number, the user code, the secret activation/deactivation codes, making it possible to trace the activated periods of cover. The security of the activation method and of the payments is ensured by the use of appropriate recognition and clearance control codes.
Therefore, it shall be necessary to assign a secret code chosen by the user as his/her personal identification number, or assigned by the operator, and an activation/deactivation code, partially chosen by the client and partially specified on the prepaid card and/or contract, concealed and made visible at the activation, and an activation/deactivation code communicated to the client by the call centre when all the above mentioned codes correspond.
The call centre stores the personal identification numbers of the cards and/or contracts produced and the relative secret codes in a specific file, and memorizes the distributed card and/or contract numbers for validating the insurance cover.
The communication of the prepaid insurance card and/or contract number allows the call centre to prevent the access of all non-valid, such as expired, forged or stolen cards and/or contracts. The period of cover may be activated by the client by communicating the various codes required by the call centre through the alphanumeric keyboard on the telephone, with an interactive procedure. In brief, the insurance coverage may be activated by: 1. entering the insurance card activation/deactivation number; 2. communicating the desired period of cover through the telephone keyboard;
3. specifying the required insurance category: motor vehicle, accident, theft, fire, life, sickness, etc. insurance;
4. confirming the desired insurance category and period of cover by entering a secret code chosen by the client;
5. receiving confirmation from the call centre of the desired period of cover and insurance category, by means of a univocal insurance code.
In brief, the user calls the call centre by telephone and activates the insurance policy by entering his or her card number . The user is then interactively guided to communicate the desired period of cover and the insurance category, as well as any other optional choice.
Once the choice has been made, the call centre requests the user to enter his/her secret code, which must correspond to the one stored at the centre, as a further means of protection of the card and as confirmation of the desired period of cover and the insurance category.
The call centre then supplies, as a receipt of the period of cover, a univocal identification number and at the same time deducts from the value of the prepaid card and/or contract the premium for the requested period of cover, and stores the data relating to the period of cover, the insurance category and the card and/or contract.
By means of the card and/or contract number and the secret code the insured may then know the residual value of his/her card by calling the call centre. In the event of a reimbursement, the user must present to the insurance company the card and the secret codes communicated by the call centre at the validation of the period of cover, which he/she must have taken note of. As previously mentioned in the example of activation shown in figure 2, the activation/deactivation of the desired period of cover or the calculation of the policy premium may be automatically achieved simply by starting and stopping the vehicle; the pulse generated by a sensor connected to the vehicle's ignition system is recorded and read by the data control unit installed on board the vehicle. This data control unit records the event and transmits the recorded data, for a predetermined observation period, via the mobile telephone network or satellite system to a data processing centre which, in turn, records the following data on a magnetic medium and/or paper: the hour, minute, second, day, month, year of the event and the coordinates of the vehicle's position (longitude and latitude). The vehicle's position will then be surveyed by a satellite through the GPS unit contained in the data control unit. The data will then be transformed from time units into currency units in order to calculate and communicate to the Client/end user the amount of the premium. This amount may also be sent to the bank or other financial institution for charging the Client's credit card or current account.
Referring to the above mentioned figure, and therefore to the embodiment relating to motor vehicle insurance, the insurance coverage activation/deactivation system comprises:
- a device installed on board the vehicle and composed of: a data control unit capable of communicating with a GPS satellite and the mobile telephone network and powered by the vehicle battery, or a buffer battery for emergency cases, if the vehicle battery isn't working. The data control unit is connected to the vehicle's ignition system and to an alarm generating unit, which is activated if the data control unit is tampered with.
In particular, the device installed on board the vehicle is composed of a data control unit powered by the vehicle's battery and comprising an event generating unit directly connected to the vehicle's ignition system; the event generating unit is connected, via an antenna, to a GPS satellite system to monitor the vehicle's position; the GPS detects its position and transmits the surveyed data to a reading unit, which then forwards it to an event storage unit, which memorizes the hour, minute, second and date of the event and the vehicle's position when it is switched on and off. The generated event is then periodically transmitted, according to predetermined intervals, by the event storage unit, via a mobile telephone network or satellite system, to the call centre, where the time units are recorded on an indelible medium and then communicated -co the Client/user; the time units are reported to the insurance company, where they are translated into a premium expressed in currency (it may also transform the time units directly into currency units, if expressly authorized by the insurance company) . The Client/user then receives from the insurance company, or other operator, a statement for a monitored period specifying the premium payable for the period of cover surveyed by the data control unit. The system operation control messages between the data control unit installed on board the vehicle and the operating control unit are transmitted on a periodical basis, so as not to overload the telephone line used by the system with SMS messages.
In order to prevent the system from being tampered with, and to guarantee the truthfulness of the data recorded and transmitted to the call centre, in the event the data control unit installed on board the vehicle is tampered with, or the vehicle or buffer battery are not working, an alarm event is automatically generated and stored in the internal storage unit and an alarm signal is transmitted to the operating centre monitoring the operating status of the data control unit and hence to the Client/user. The communications between the data control unit and the call centre will take place via the mobile telephone network or satellite system according to the standards in force at the time of use of this embodiment of the system.

Claims

1. A method and system for activating/deactivating prepaid insurance policies by telephone, wherein the system is based on the use of: (i) prepaid cards and/or contracts as a means of payment; (ii) telephone lines and/or satellite systems as a means of communication; (iii) a call centre at the premises of the insurance company, operating on a round the clock basis; and (iv) prepaid card numbers and secret codes for activating/deactivating the desired periods of insurance and insurance category.
-_.. A method and system for activating/deactivating prepaid insurance policies by telephone as claimed in Claim 1, wherein the call centre receives the requests for activation from the user, through the prepaid cards, collects the requests for activation/deactivation of the desired period of cover and insurance category, delivers the codes confirming the activation/deactivation and stores them on an indelible computer medium, also memorizing the card number, user code and secret activation/deactivation codes, for tracing the periods of cover and the insurance category.
3. A method and system for activating/deactivating prepaid insurance policies by telephone as claimed in any preceding claim, wherein the following are required to activate/deactivate an insurance policy: a prepaid card and/or contract, a secret number chosen by the client, as his or her personal identification number, an activation/deactivation code partially chosen by the client and partially specified, in a concealed manner, on the prepaid card and/or contract, and an activation/deactivation code communicated to the user by the call centre, when all the above mentioned codes are found to correspond.
4. A method and system for activating/deactivating prepaid insurance policies by telephone as claimed in any preceding claim, wherein the call centre stores the prepaid card and/or contract numbers and the relevant secret codes in a special file and keeps the distributed card numbers to validate the insurance.
5- A method and system for activating/deactivating prepaid insurance policies by telephone as claimed in any preceding claim, wherein the prepaid cards are sold together with a contract on paper containing the terms and conditions of the policy and in acknowledgement thereof.
6.A method and system for activating/deactivating prepaid insurance policies by telephone as claimed in
Claim 1, wherein it comprises a device installed on board the vehicle and composed of: - a data control unit powered by the vehicle's battery and composed of an event generator unit directly connected to the vehicle's ignition system; a GPS satellite system connected to the above mentioned event generator unit via an antenna, for monitoring the position of the vehicle; a storage unit receiving the relevant data from the GPS system, through a reading unit, which storage unit records and stores the hour, minute, second, date of the event and the position of the vehicle each time it is switched on and off; a unit at the call centre which periodically receives the generated event transmitted by the storage unit, via the mobile telephone network or satellite system; - an indelible medium on which the time units are recorded and associated with the user Client's code, which units of time are then transmitted to the insurance company, or elsewhere, which then calculates the amount of the premium payable and charges the client's account.
7.A method and system for activating/deactivating prepaid insurance policies by telephone as claimed in any preceding claim, wherein the activation and deactivation take place automatically, by means of a data control unit connected to the vehicle's ignition system, for example, which, through a GPS location detector and a GSM connection, for example, communicates with a satellite, which transmits the data to a data processing centre, which forwards it to the insurance company, which then transmits it to the financial institution, for charging the client's account, and which ultimately informs him/her of the amounts charged.
PCT/IT2000/000099 1999-03-29 2000-03-22 A method and system for activating/deactivating prepaid insurance policies by telephone WO2000058915A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU38346/00A AU3834600A (en) 1999-03-29 2000-03-22 A method and system for activating/deactivating prepaid insurance policies by telephone

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ITRM990194 ITRM990194A1 (en) 1999-03-29 1999-03-29 METHOD AND SYSTEM OF IMPLEMENTATION TO ACTIVATE AND DEACTIVATE PREPAID INSURANCE POLICIES THROUGH THE TELEPHONE.
ITRM99A000194 1999-03-29

Publications (1)

Publication Number Publication Date
WO2000058915A1 true WO2000058915A1 (en) 2000-10-05

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PCT/IT2000/000099 WO2000058915A1 (en) 1999-03-29 2000-03-22 A method and system for activating/deactivating prepaid insurance policies by telephone

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IT (1) ITRM990194A1 (en)
WO (1) WO2000058915A1 (en)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10136603A1 (en) * 2001-07-16 2003-02-06 Deutsche Telekom Ag Method and system for telecommunications-based payment and billing of fees
WO2004032011A1 (en) * 2002-10-01 2004-04-15 Gicsk Pty., Ltd. Insuring method and apparatus using insurance-prepayment card
US7774218B2 (en) * 2005-09-07 2010-08-10 International Business Machines Corporation Method for processing insurance coverage requests
US8655776B2 (en) * 2005-07-19 2014-02-18 The Prudential Insurance Company Of America Benefits contract providing a bundle of benefits
US10748219B2 (en) * 2019-01-08 2020-08-18 Onoff, Inc. Method and system for dynamically changing automobile insurance

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2248957A (en) * 1990-08-24 1992-04-22 Easams Ltd Charging for the usage of roads by vehicles
FR2747810A1 (en) * 1996-04-21 1997-10-24 Bihan Alain Le Electronic device for recording use of item e.g. vehicle, subject to insurance policy
FR2760406A1 (en) * 1997-03-10 1998-09-11 Nobutaka Yoshida PREPAID ACCIDENT POLICY CARD
DE19711521A1 (en) * 1997-03-19 1998-09-24 Elsdale Ltd Identification device for vehicle parking or road use management system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2248957A (en) * 1990-08-24 1992-04-22 Easams Ltd Charging for the usage of roads by vehicles
FR2747810A1 (en) * 1996-04-21 1997-10-24 Bihan Alain Le Electronic device for recording use of item e.g. vehicle, subject to insurance policy
FR2760406A1 (en) * 1997-03-10 1998-09-11 Nobutaka Yoshida PREPAID ACCIDENT POLICY CARD
DE19711521A1 (en) * 1997-03-19 1998-09-24 Elsdale Ltd Identification device for vehicle parking or road use management system

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10136603A1 (en) * 2001-07-16 2003-02-06 Deutsche Telekom Ag Method and system for telecommunications-based payment and billing of fees
WO2004032011A1 (en) * 2002-10-01 2004-04-15 Gicsk Pty., Ltd. Insuring method and apparatus using insurance-prepayment card
US8655776B2 (en) * 2005-07-19 2014-02-18 The Prudential Insurance Company Of America Benefits contract providing a bundle of benefits
US7774218B2 (en) * 2005-09-07 2010-08-10 International Business Machines Corporation Method for processing insurance coverage requests
US8140360B2 (en) 2005-09-07 2012-03-20 International Business Machines Corporation System for processing insurance coverage requests
US10748219B2 (en) * 2019-01-08 2020-08-18 Onoff, Inc. Method and system for dynamically changing automobile insurance

Also Published As

Publication number Publication date
ITRM990194A1 (en) 2000-09-29
AU3834600A (en) 2000-10-16

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