WO2005083605A1 - 保険料算出装置、保険料算出プログラム、保険料算出方法並びに保険料算出システム - Google Patents
保険料算出装置、保険料算出プログラム、保険料算出方法並びに保険料算出システム Download PDFInfo
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- WO2005083605A1 WO2005083605A1 PCT/JP2005/003045 JP2005003045W WO2005083605A1 WO 2005083605 A1 WO2005083605 A1 WO 2005083605A1 JP 2005003045 W JP2005003045 W JP 2005003045W WO 2005083605 A1 WO2005083605 A1 WO 2005083605A1
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- G—PHYSICS
- G01—MEASURING; TESTING
- G01C—MEASURING DISTANCES, LEVELS OR BEARINGS; SURVEYING; NAVIGATION; GYROSCOPIC INSTRUMENTS; PHOTOGRAMMETRY OR VIDEOGRAMMETRY
- G01C21/00—Navigation; Navigational instruments not provided for in groups G01C1/00 - G01C19/00
- G01C21/26—Navigation; Navigational instruments not provided for in groups G01C1/00 - G01C19/00 specially adapted for navigation in a road network
- G01C21/34—Route searching; Route guidance
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- 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
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- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Definitions
- Premium calculation device premium calculation program, premium calculation method and premium calculation system
- the present invention relates to an insurance premium calculation device, an insurance premium calculation program, an insurance premium calculation method, and an insurance premium calculation system for calculating a premium for an insurance premium.
- a risk contribution state detection means for detecting a state contributing to the risk of an insurance object
- a risk evaluation means for evaluating risk based on the state by fuzzy logic, etc.
- an insurance premium determining apparatus including an insurance premium variation determining means for determining an insurance premium variation for an object (for example, see Japanese Patent No. 2917502).
- the insurance premium determination device uses fuzzy logic for risk evaluation and can add an evaluation based on experience, so that it is possible to perform a more accurate risk evaluation that is less affected by noise and the like. It is said that insurance can be made fairer.
- an insurance server of an insurance company and an in-vehicle terminal provided in an automobile are connected via a network, and the in-vehicle terminal includes driving information such as traveling speed during riding, sudden acceleration / deceleration, and sudden steering. And a driving information transmitting means for transmitting the obtained information to the insurance company server.
- the insurance company server is notified of the insurance premium consumed by the ride from the prepaid automobile insurance contract insurance fee.
- variable consumption insurance system is said to be able to calculate insurance premiums depending on under what circumstances a policyholder actually drives a car after contracting.
- conventional automobile insurance has no mechanism to directly reflect the actual driver and driving conditions in the insurance premium, and the static conditions at the time of concluding the insurance contract (the type of insured vehicle, the assumed driver's Age, etc.), and based on a fixed risk assessment, the insurance premium for traveling in the future is a fixed fee system according to the minimum age of the driver for each vehicle.
- variable consumption insurance system described in Japanese Patent Application Laid-Open No. 2002-29710 (pages 1, 6, 10; FIGS. 4 to 7) requires insurance in advance. It is said that the insurance policyholder who paid the premium can calculate the insurance premium according to the actual situation of driving the car after the insurance contract, but each time the vehicle runs, the insurance premium is calculated At the same time, it was not possible to compare the determined insurance premium with the insurance premium predicted based on the travel plan.
- the conventional variable consumption insurance system has a problem that it is not possible to calculate an insurance premium according to a traveling area, a traveling route, and a traveling time zone of a vehicle.
- insurance premiums will be calculated based on driving information such as vehicle speed, rapid acceleration / deceleration, and sudden steering.However, along with insurance premiums according to the vehicle's travel area, travel route, and travel time zone, There was a problem that it was not possible to calculate the insurance premium according to the driving situation.
- the costs associated with running a vehicle include not only insurance premiums but also toll road tolls, fuel costs, required time, and the like.
- the concern of policyholders and drivers is the total running cost, so it was necessary to notify the toll road toll, fuel cost, required time, etc. along with the insurance premium.
- Patent Document 1 Japanese Patent No. 29171750 (Patent pages 1-6, Fig. 1)
- Patent Document 2 Japanese Unexamined Patent Publication No. 2002-29710 (Patents 1, 6, and 10; FIGS. 4 to 7)
- the present invention provides an insurance premium calculation device, an insurance premium calculation program, and an insurance premium calculation method capable of calculating and displaying an insurance premium according to the driving performance of a vehicle. It is intended to be.
- the present invention utilizes personal authentication technology to identify a driver, and provides insurance that is used when providing driving situation-reflective automobile insurance that allows a base insurance premium to be set for each registered driver. It aims to provide a fee calculation system.
- the purpose is to provide an insurance premium calculation device that can predict road tolls, fuel costs, and required time, and display the estimated costs on the on-board terminal.
- Another object of the present invention is to provide an insurance premium calculating device capable of calculating a fixed cost such as an insurance premium required for actual traveling and displaying the cost on an in-vehicle terminal.
- the insurance premium calculation device includes a traveling area information input unit for inputting a location name or an area information such as a longitude and a latitude for specifying an area where the vehicle travels.
- a travel area insurance premium acquisition unit that obtains, from a travel area insurance premium database that records information on the area in which the vehicle travels and the insurance premium determined for that area in association with each other, the insurance premium for the area corresponding to the input area information.
- output means for outputting the local insurance premium to other communication devices.
- the insurance premium calculation device inputs route information such as a place name or a longitude and a latitude for specifying a route from a start point to an end point when a vehicle runs.
- Travel route information input means travel area information input means for inputting a plurality of area names such as a plurality of place names or a plurality of longitudes and latitudes for specifying a plurality of areas included in a route on which the vehicle travels;
- From the driving area insurance premiums database which records information related to multiple areas where the car travels and insurance premiums determined for that area, obtains the insurance premiums for the areas corresponding to the entered multiple area information
- a travel area insurance premium acquisition means for acquiring the sum of the insurance premiums as the insurance premium for the route, and an output means for outputting the insurance premium for the route to another communication device or the like.
- an insurance premium calculation device includes: a travel date and time information input unit that inputs travel date and time information that specifies a date and time when a vehicle travels; A driving date and time insurance premium acquisition means for obtaining the insurance premium corresponding to the input driving date and time information from a driving date and time insurance premium database which records the information and the insurance premium determined according to the date and time, Output means for outputting the insurance premium to another communication device or the like.
- an insurance premium calculation device includes: a driving date / time information input unit that inputs driving date / time information for specifying a date / time when the vehicle runs; Travel area information input means for inputting location information or area information such as longitude and latitude specifying the area of the area, information on the area where the vehicle is traveling, information on the date and time when the vehicle is traveling, and insurance premiums determined according to the area and date and time.
- a driving area insurance premium acquisition unit that obtains an insurance premium for the area corresponding to the input driving area information and driving date and time information from the driving area insurance premium database that stores and records the local insurance premium to other communication devices.
- Output means for outputting.
- an insurance premium calculation device includes: a driving date / time information input unit for inputting driving date / time information for specifying a date and time when the vehicle runs; Travel route information input means for inputting route information such as a place name or longitude and latitude for specifying a route from the start point to the end point of the vehicle, and a plurality of place names or a plurality of locations for specifying a plurality of regions included in the route when the vehicle travels Travel area information input means for inputting a plurality of area information such as longitude and latitude of the vehicle, and associating the plurality of area information on which the vehicle travels and the date and time information on which the vehicle travels with the insurance premium determined according to the area and the date and time From the travel area insurance premium database that is recorded and recorded, the information on the multiple travel areas and the travel date and time information entered is acquired, and the sum of the insurance premiums for each area is used as the insurance premium for that route. It is characterized by comprising route information such as a place name or longitude and latitude for
- an insurance premium calculating device comprises: traveling position information input means for inputting traveling position information such as a place name for specifying a position of a vehicle or longitude and latitude; A travel region that obtains regional information and an insurance premium rate for the region including the input vehicle location information from a travel region insurance premium database that records and associates information on the region in which the vehicle travels with insurance premiums determined for that region. Based on the insurance rate acquisition means, the acquired area information and the inputted travel position information, the travel distance in the area where the vehicle traveled in the area is calculated, and the travel distance in the area and the acquired insurance rate are integrated. Means to obtain regional insurance premiums Output means for outputting the regional insurance premium to other communication devices and the like.
- an insurance premium calculating device comprises: traveling position information input means for inputting traveling position information such as a place name or longitude and latitude specifying a position of a vehicle; If it is determined that the vehicle has traveled in the first area, it sets the travel completed flag in the first area and determines the area according to the information on the area where the vehicle is traveling and the area.
- a traveled area insurance premium acquisition means for acquiring an insurance premium corresponding to the first area in which the traveled flag is set from a travel area insurance premium database recorded in association with the insurance premium; From the driving area insurance premium database that records the insurance premiums determined according to the area, the driving area where the second area information of the area including the input vehicle position information and the insurance rate are obtained.
- Insurance premium rate acquisition means and Based on the second area information and the input travel position information, the travel distance in the area where the vehicle traveled in the area is calculated, and the travel distance in the area and the obtained insurance premium are integrated to obtain the second travel distance. Equipped with a driving area insurance premium acquisition unit that acquires regional insurance premiums and adds it to the first regional insurance premium to obtain accumulated insurance premiums, and an output unit that outputs the accumulated insurance premiums to other communication devices, etc. It is characterized by the following.
- an insurance premium calculating device includes: a driving date and time information input unit that inputs driving date and time information that specifies a date and time when a vehicle runs;
- a travel location information input means for inputting travel location information such as a place name or longitude and latitude, and information on a region where the vehicle travels, date and time information when the vehicle travels, and an insurance fee determined according to the region and date and time.
- a driving area insurance rate acquisition means for acquiring the regional information and the insurance rate of the area including the traveling position information and the driving time information of the inputted vehicle from the traveling area insurance premium database, and the acquired area information and input.
- the travel distance in the area where the vehicle has traveled in the area is calculated based on the travel position information obtained, and the regional insurance distance and the obtained insurance premium rate are integrated to obtain the insurance premium in the area. And a means for outputting regional insurance premiums to other communication devices and the like. And
- an insurance premium calculation device includes: a driving date and time information input unit that inputs driving date and time information that specifies a date and time when a vehicle runs; A travel location information input means for inputting travel location information such as a place name or longitude and latitude; and determining that the travel of the first area has been completed by determining that the vehicle has traveled. Set the travel completed flag from the travel area insurance premiums database, which records the area information of the area where the vehicle is running and the date and time information when the vehicle is running, and the premiums determined according to the area and date and time.
- a traveled area insurance premium acquisition means for acquiring an insurance premium corresponding to the first area and date and time when the flag was set, and information on the area in which the vehicle travels, the date and time information when the vehicle travels, and the area and date and time Security determined accordingly
- Travel area insurance rate acquisition means for acquiring the insurance area and second area information of the area including the traveling position information and the driving information of the vehicle entered from the traveling area insurance premium database recorded in association with the premium. Based on the acquired second area information and the inputted travel position information, the travel distance in the area where the vehicle traveled in the area is calculated, and the travel distance in the area and the obtained insurance premium rate are integrated.
- Travel area insurance premium acquisition means for acquiring premiums in the second area and adding them to the premiums in the first area to obtain cumulative premiums, and output means for outputting the cumulative premiums to other communication devices, etc. It is characterized by having.
- an insurance premium calculating device includes: a brake status input means for inputting a brake status indicating an acceleration of a vehicle or an effect of a brake; A rapid brake premium acquisition means for acquiring a rapid brake premium corresponding to the input brake status from an insurance database which records the premium in association with the premium determined in accordance with the operation of And an output unit for outputting to the other communication device or the like.
- an insurance premium calculation device includes a brake stage for inputting a vehicle acceleration or a brake status indicating a braking effect.
- a task input means for counting the degree of sudden braking and the number of times the sudden braking is operated based on the brake status, and a degree of sudden braking and an insurance premium determined according to the degree of sudden braking.
- a rapid brake premium acquisition means for acquiring a premium corresponding to the input brake status from the insurance database to be associated and recording and acquiring the sum of the premiums as a rapid brake premium for all the times of sudden brake operation;
- Output means for outputting the acquired sudden brake premium to other communication devices and the like.
- an insurance premium calculation device includes: a handle status input unit for inputting a handle status indicating an angular acceleration, an angular velocity, or a steering wheel rotation speed of a vehicle; A quick handle premium acquisition means for acquiring a quick handle premium corresponding to the input handle status from an insurance database that records the related premiums determined in accordance with the operation of the above, And output means for outputting to communication devices and the like.
- an insurance premium calculating device includes: a handle status input unit for inputting a handle status indicating an angular acceleration, an angular velocity, or a steering wheel rotation speed of a vehicle; The handle status input from the insurance database that records the degree of the handle and the number of times the sharp handle is operated, and the insurance database that records the degree of the sharp handle and the premium defined in accordance with the degree of the sharp handle A means for acquiring the sum of premiums as a sudden handle premium for all times of acquiring the premium corresponding to the above and further operating the sharp handle, and transmitting the acquired sudden handle premium to another communication Output means for outputting to devices and the like.
- an insurance premium calculating device includes a traveling speed input unit for inputting a traveling speed of a vehicle, an insurance speed defined in accordance with the traveling speed of the vehicle, and the traveling speed.
- An overspeed insurance premium acquisition means for acquiring an overspeed insurance premium corresponding to the input traveling speed from an insurance database which records in association with the premium,
- Output means for outputting the acquired overspeed insurance premium to another communication device or the like.
- an insurance premium calculating device includes: a traveling speed input unit for inputting a traveling speed of a vehicle; a place name or a longitude and a latitude for specifying an area where the vehicle travels; A travel area information input means for inputting area information, such as the area information, etc., and a restriction corresponding to the input area information from an insurance database that records the area information on which the vehicle is traveling and the speed limit determined in accordance with the area.
- Speed limit obtaining means for obtaining the speed, and comparing the running speed of the vehicle with the speed limit. If the running speed of the vehicle exceeds the speed limit, overspeed insurance corresponding to the excess speed limit
- Overspeed insurance premium acquisition means for acquiring the premium, and output means for outputting the acquired overspeed insurance premium to other communication devices and the like.
- an insurance premium calculating device comprises: a seatbelt status input means for inputting a seatbelt non-wearing state of a running vehicle; A seatbelt insurance premium obtaining means for obtaining a seatbelt premium when the seatbelt is not attached from the insurance database which records the insurance premium in association with the insurance premium at that time; Output means for outputting the insurance premium to another communication device or the like.
- an insurance premium calculating device comprises: a seatbelt status input means for inputting a seatbelt non-wearing state of a running vehicle; A driving area information input means for inputting area information such as a place name or longitude and latitude specifying the area, and the area information where the vehicle runs and the insurance premium in that area when the seatbelt is not attached is recorded. Means to obtain the seatbelt premium when the seatbelt is not attached from the insurance database to be used, and the acquired seatbelt premium to other communication devices, etc. And an output means for outputting to the user.
- the present invention it is possible to reflect the individual driving for each specific driver in the insurance premium, so that compensation can be provided with a more reasonable insurance premium. Further, according to the present invention, even when using an insurance system in which the insurance premium is determined later according to actual driving, the required insurance premium is predicted in advance and notified to the driver. In addition, it is possible to notify the driver of the progress of the insurance premiums determined as a result of driving one after another, and the policyholder can obtain meaningful information.
- a cost such as a toll road fee, a fuel cost, and a time together with the insurance premium generated by driving and notify the driver of the cost.
- a cost such as a toll road fee, a fuel cost, and a time
- the insurance premium generated by driving and notify the driver of the cost.
- a reasonable and economical travel plan can be obtained by simulation, so that effects such as suppression of fuel consumption are expected, and the effect of reducing environmental load is also expected.
- the driver can be informed of the driving conditions such as the driving route and the average speed, which is the basis of the cost amount generated as a result of the driving of the vehicle. This makes it possible to obtain meaningful information for making travel plans.
- traveling area information input means for inputting area information such as a place name or longitude and latitude for specifying an area where the vehicle travels, area information on which the vehicle travels, and the area
- a travel area insurance premium acquisition means for acquiring the insurance premium for the area corresponding to the input area information from the travel area insurance premium database that records the insurance premium in association with the Since it is provided with an output means for outputting to a communication device or the like, the driver can know the traveling insurance premium corresponding to the traveling area.
- a travel route information input means for inputting route information such as a place name or a longitude and a latitude for specifying a route from a start point to an end point when the vehicle travels
- route information such as a place name or a longitude and a latitude for specifying a route from a start point to an end point when the vehicle travels
- a travel area information input means for inputting a plurality of place names or a plurality of area information such as a plurality of longitudes and latitudes for specifying a plurality of areas included in the route, and a plurality of area information on which the vehicle travels is determined according to the area information and the area.
- the provision of the travel area insurance premium acquisition means and the output means for outputting the insurance premium of the route to other communication devices, etc., enables the driver to know the travel schedule premium corresponding to the travel route.
- travel time information input means for inputting travel time information for specifying the date and time when the vehicle travels, and the travel time information input means for determining the time and date when the vehicle travels
- a driving date and time insurance premium acquisition means for obtaining the date and time insurance premium corresponding to the input driving date and time information from the driving date and time insurance premium database recorded in association with the insurance premium, and outputting the date and time insurance premium to other communication devices, etc. Since the output means is provided, the driver can know the travel insurance premium according to the travel date and time.
- travel date and time information input means for inputting travel date and time information for specifying the date and time when the vehicle travels, and a place name or longitude and latitude for specifying an area when the vehicle travels
- a travel area information input means for inputting area information, area information on which the vehicle travels, date and time information on which the vehicle travels, and information on the area and date and time.
- a driving area insurance premium acquisition means for obtaining a driving area insurance premium for acquiring the driving area information corresponding to the input driving area information and driving date and time information from a driving area insurance premium database which is recorded in association with the determined insurance premium;
- the output means for outputting the information to another communication device or the like enables the driver to know the travel insurance premium according to the travel area and the travel date and time.
- travel date and time information input means for inputting travel date and time information for specifying the date and time when the vehicle travels, and a place name or a place name for specifying the route from the start point to the end point when the vehicle travels
- Travel route information input means for inputting route information such as longitude and latitude, and a plurality of place names or a plurality of area information such as a plurality of longitudes and latitudes for specifying a plurality of areas included in the route when the vehicle travels Means from a travel area insurance fee database that records information relating to a plurality of areas in which the vehicle travels, information on the date and time the vehicle travels, and insurance premiums determined according to the area and date and time.
- a travel area insurance premium acquisition means for acquiring the insurance premium of the area corresponding to the plurality of travel area information and the travel date and time information and obtaining the sum of the insurance premiums of each area as the insurance premium of the route;
- Output means for outputting the premium to another communication device or the like, so that the driver can know the travel schedule premium according to the travel route and the travel date and time.
- travel position information input means for inputting travel position information such as a place name or longitude and latitude for specifying the position of the vehicle, area information on which the vehicle travels, and information determined in accordance with the area
- Travel area insurance rate acquisition means for acquiring the regional information and the insurance rate of the region including the input vehicle location information from the traveling area insurance premium database that records the associated insurance premiums, and the acquired area information and input Based on the obtained travel position information, the travel distance in the area where the vehicle traveled in the area is calculated, and the travel distance in the area is multiplied by the obtained insurance premium rate to obtain the regional insurance premium.
- Means and an output means for outputting the local insurance premium to other communication devices, etc., so that the driver can know the traveled insurance premium.
- a place name for specifying the position of the vehicle or a travel such as longitude and latitude is specified.
- Traveling position information input means for inputting line position information; and, when it is determined that traveling in the first area has been completed due to traveling of the vehicle, a travel completed flag in the first area is set and the vehicle travels.
- Driving area insurance that obtains the insurance premium corresponding to the first area where the Done flag is set from the driving area insurance premium database that records regional information and insurance premiums defined for that area in association with each other.
- the second region in the region that includes the location information of the vehicle entered from the travel region insurance premium database that records the vehicle information and the area information where the vehicle travels in association with the information on the region in which the vehicle travels and the insurance fee determined for that region.
- the travel distance in the area where the vehicle has traveled in the area is calculated based on the travel area insurance rate acquisition means for acquiring information and the insurance rate, and the acquired second area information and the input travel position information.
- Travel area insurance premium acquisition means for acquiring the insurance premium for the second area by integrating the mileage and the insurance premium rate acquired, and adding the insurance premium for the first area to obtain the cumulative insurance premium;
- An output means for outputting the premium to another communication device or the like is provided, so that the driver can know the traveled premium.
- travel date and time information input means for inputting travel date and time information for specifying the date and time when the vehicle travels, and travel position information for specifying the position of the vehicle, such as a place name or longitude and latitude, are input.
- a travel area insurance premium acquisition means for calculating a travel distance in the area where the vehicle has traveled and integrating the travel distance in the area with the obtained insurance rate to obtain an insurance premium for the area;
- An output means for outputting the premium to another communication device or the like is provided, so that the driver can know the traveled insurance premium.
- traveling date and time information input means for inputting traveling date and time information for specifying the date and time when the vehicle travels, a place name or longitude for specifying the position of the vehicle, and
- a travel position information input means for inputting travel position information such as latitude, and a travel completed flag in the first area is set when it is determined that traveling in the first area has been completed due to the vehicle traveling.
- the travel completed flag is set from the travel area insurance premium database, which records the area information where the vehicle is running and the date and time information when the vehicle is running, in association with the area and the insurance premium determined according to the date and time.
- Region and traveled area premium acquisition means to acquire the applicable insurance premium at the time, information on the area where the vehicle travels, date and time information when the vehicle travels, and insurance determined according to the area and date and time
- Travel area insurance rate acquisition means for acquiring insurance area rate and second area information of the area including the input travel position information and travel date and time information of the inputted vehicle from the travel area insurance premium database that records in association with the premium. Taking Based on the obtained second region information and the inputted traveling position information, a travel distance in the region where the vehicle has traveled in the region is calculated, and the travel distance in the region and the acquired insurance rate are integrated to obtain a second travel distance.
- the brake status input means for inputting the vehicle acceleration or the brake status indicating the effectiveness of the brake is associated with the brake operation and the insurance premium determined in accordance with the brake operation.
- brake status input means for inputting a vehicle status or a brake status indicating a braking effect, a degree of a sudden brake and the number of times the sudden brake is operated are counted based on the brake status.
- the insurance database that records the counting means to be associated with the degree of sudden braking and the insurance premium determined in accordance with the degree of sudden braking, the insurance premium corresponding to the entered brake status is acquired and For all the times the brakes are
- the driver is provided with a means to acquire the sum of the insurance premiums as a sudden brake insurance premium, and an output means for outputting the acquired sudden brake insurance premium to other communication devices. It becomes possible to know the added premium by the operation of.
- a handle status input means for inputting a handle status indicating an angular acceleration, an angular velocity or a handle rotation speed of a vehicle, an operation of the handle, and an insurance premium determined according to the operation of the handle.
- the handle status input means for inputting the handle status indicating the angular acceleration, the angular velocity or the handle rotation speed of the vehicle, and the degree of the sharp handle and the sharp handle are operated based on the handle status.
- the counting means for counting the number of times and the insurance database which records the degree of sharp steering and the insurance premium determined in accordance with the degree of sharp steering and records the insurance premium corresponding to the input steering wheel status, Equipped with a sudden handle insurance acquisition means for acquiring the sum of the insurance premiums as a sudden handle premium for all the times the sudden handle was operated, and an output means for outputting the acquired sudden handle premium to other communication devices, etc. Therefore, the driver can know the insurance premium added by the sudden steering operation.
- the travel speed input means for inputting the travel speed of the vehicle, and the insurance database which records the travel speed of the vehicle in association with the insurance premium determined according to the travel speed include: It has an overspeed insurance premium acquisition means for acquiring the overspeed insurance premium corresponding to the acquired traveling speed, and an output means for outputting the acquired overspeed insurance premium to other communication devices. It will be possible to know the premiums paid.
- traveling speed input means for inputting the traveling speed of the vehicle
- a driving area information input means for inputting a place name or area information such as longitude and latitude specifying the area where both vehicles are traveling, and the area information on which the vehicle is traveling is recorded in association with the speed limit determined according to the area
- Speed limit obtaining means for obtaining the speed limit corresponding to the input regional information from the insurance database to be executed, and comparing the vehicle speed with the speed limit to determine if the vehicle speed exceeds the speed limit.
- a seat belt status input means for inputting a seat belt non-wearing state of a running vehicle, and the seat belt non-wearing state and the insurance premium at that time are recorded in association with each other.
- a seat belt status input means for inputting a seat belt non-wearing state of a running vehicle, and a place name or a longitude and a latitude for specifying an area where the vehicle travels are provided.
- a travel area information input means for inputting area information, and an insurance database that records the area information where the vehicle travels and the insurance premium when the seatbelt is not installed in the area in association with the area information are used to determine whether the seatbelt is not installed.
- a seatbelt premium acquisition means for acquiring seatbelt premiums and an output means for outputting the acquired seatbelt premiums to other communication devices, etc. It is possible to know the added insurance premium.
- FIG. 1 is a diagram showing an entire configuration of a driver insurance premium calculation system.
- FIG. 2 is a block diagram of a signal processing system of an in-vehicle terminal.
- FIG. 3 is a block diagram of a signal processing system of the information communication system.
- FIG. 4 is a block diagram of a signal processing system of an insurance company.
- FIG. 5 is a flowchart of a car insurance display process in the driver insurance premium calculation system. It's a chat.
- FIG. 6 is a screen for selecting display items related to car insurance.
- FIG. 7 is a flowchart of a process of executing a car insurance driver registration procedure.
- FIG. 8 is a screen for registering individual information of the nth driver.
- FIG. 9 is a guidance screen for registering driver identification information.
- FIG. 10 is a diagram showing a display example of a registration necessity screen of the (n + 1) th driver.
- FIG. 11 is a diagram showing a display example of a screen for notifying a driver registration result.
- FIG. 12 is a flowchart of a process for executing an operation start procedure.
- FIG. 13 is a diagram showing a display example of a driver authentication guidance screen.
- FIG. 14 is a diagram showing a display example of an insurance inapplicability notification screen.
- FIG. 15 is a diagram showing a display example of a driver authentication screen.
- FIG. 16 is a diagram showing a display example of an insurance compensation screen.
- FIG. 17 is a flowchart for executing a cost simulation process.
- FIG. 18 is a diagram showing a display example of a cost simulation menu.
- FIG. 19 is a flowchart when executing a travel plan condition input process.
- FIG. 20 is a diagram showing a display example of a screen for inputting a scheduled traveling time for each route.
- FIG. 21 is a diagram showing a display example of a screen for inputting a travel route for each route.
- FIG. 22 is a diagram showing a display example of a screen for inputting an instruction as to whether or not to execute a simulation on another traveling route.
- Figure 23 is a chart showing an example of the content of travel plan condition information input by the driver. It is.
- FIG. 24 is a chart showing travel schedule information generated based on travel plan condition information input from the driver.
- FIG. 25 is a chart showing description contents of a driving situation database.
- FIG. 26 is a diagram showing a display example of a travel insurance premium and cost notification screen
- FIG. 27 is a flowchart of executing the scheduled travel premium calculation process (FSr).
- FIG. 28 is a diagram showing a recording example of insurance rates for each traveling area in the Aa area recorded in the insurance database.
- FIG. 29 is a diagram showing an example of recording of a date and time regional insurance rate in the Aa area recorded in the insurance database.
- Figure 30 is a flowchart for calculating the mileage insurance premium (Fd) in the Aa region where the vehicle runs.
- FIG. 31 is a flowchart of an in-progress insurance premium display process.
- Fig. 32 is a diagram showing a display example of the in-progress cost information displayed on the display means of the in-vehicle terminal.
- FIG. 33 is a diagram showing a display example of traveling state information displayed on the display means of the in-vehicle terminal.
- FIG. 34 is a diagram showing a display example of a driving situation evaluation displayed on the display means of the vehicle-mounted terminal.
- FIG. 35 is a diagram showing a display example of traveling section selection displayed on the display means of the in-vehicle terminal.
- FIG. 36 is a diagram showing a display example of fixed cost information displayed on the display means of the vehicle-mounted terminal.
- FIG. 37 is a diagram showing a display example of traveling state information displayed on the display means of the vehicle-mounted terminal.
- Figure 38 shows a display example of the driving situation evaluation displayed on the display means of the on-board terminal.
- FIG. 39 is a flowchart for calculating a predetermined route premium (F r).
- FIG. 40 is a flowchart for calculating an insurance premium (F b) for a driver performing a sudden braking operation.
- FIG. 41 is a flowchart for calculating an insurance premium (F h) for a driver performing a sudden steering operation.
- FIG. 42 is a flowchart for calculating an insurance premium (F v) for the driver having exceeded the traveling speed.
- FIG. 43 is a flowchart for calculating an insurance premium (F s) for the driver not wearing a seat belt.
- Fig.44 is a chart exemplifying monthly and monthly premiums recorded in the premium database.
- Figure 45 is a chart illustrating information recorded in the insurance contract database.
- FIG. 46 is a chart showing an example of information recorded in a driver database.
- FIG. 47 is a chart showing an example of information included in “vehicle status” transmitted from the vehicle-mounted terminal.
- FIG. 48 is a diagram showing transition of display at the time of driver registration.
- FIG. 49 is a diagram showing transition of display at the time of cost simulation.
- FIG. 50 is a diagram showing transition of display at the start of operation.
- FIG. 51 is a diagram showing transition of display of traveling cost / running state data on the way.
- FIG. 52 is a diagram showing transition of the display of the fixed cost / running state data at the end of running.
- FIG. 53 is a chart showing an example of description of a driver condition database in which driver conditions such as driver age and grade and driver condition coefficients are recorded in association with each other.
- FIG. 54 is a chart showing an example of description of a rate class coefficient database which records a vehicle chassis number and a registration year in association with a rate class coefficient. Explanation of reference numerals
- Imaging means
- FIG. 1 is a diagram showing the overall configuration of the driver insurance premium calculation system.
- the driver's insurance premium calculation system includes a car navigation system function and a wireless communication terminal function, transmission of vehicle status, application for car insurance, instructions for calculating insurance premiums, and calculation of insurance premiums.
- Vehicle 32 with in-vehicle terminal 30 that has various functions such as display of insurance premiums, display of traveling cost, difference and cause between traveling plan and actual performance, and in-vehicle terminal 30 provided in vehicle 32 , Which relays the transmission and reception of information by radio, and communication capable of transmitting and receiving information between each of the base stations 20, 20, and the information communication server 80.
- It sends and receives information such as insurance applications, vehicle status, and insurance premiums to and from the information and communication server 80 via the network 10 and the communication network 10 or a dedicated communication line, as well as insurance contract processing and insurance contractor authentication processing. Perform various processing such as insurance premium calculation processing. It is provided with the insurance server 9 0 that can be.
- the information communication server 80 includes a communication contract database 82 that records information regarding a communication contract with each vehicle-mounted terminal provided in the vehicle 32, a traffic congestion information, a toll road guide, and a toll road toll guide. , Travel time guidance, travel route guidance, insurance premiums, map information guidance, store guidance, vehicle maintenance guidance, vehicle location information, image content provision, music content provision, news information, weather forecast, parking lot information, finance Display data such as images, sounds, HTML, etc. for display on the on-board terminal 30, such as institution information, boat racing information, horse racing information, various sports information, game center information, fishing information, schedule information such as individuals or events, etc. And a display database 84 for recording the information.
- the present invention is not limited to this example.
- the object of the present invention can be achieved even if the display database 84 is provided so as to be able to communicate at a place different from the information communication server 80, such as the vehicle-mounted terminal 30 and the insurance server 90.
- the insurance server 90 includes an insurance contract database, a driver database, an insurance rate for each driving region, a regional insurance rate for the driving date and time, a vehicle status, a driving situation database, a vehicle-specific insurance database for each application, a rate class coefficient database, There is an insurance database 92 that records driver information and other insurance information.
- the various databases are provided in the insurance server 90, but the present invention is not limited to this example, and the insurance server such as the in-vehicle terminal 30 and the information communication server is provided. The object of the present invention can be achieved even when the communication device is provided so as to be communicable at a location different from the location 90.
- FIG. 2 shows a block diagram of a signal processing system of the vehicle-mounted terminal 30.
- the in-vehicle terminal 30 has a car navigation system function, and transmits and receives various information such as the speed, mileage, and current position of the vehicle 32 by using a wireless transmission / reception means 80 or an insurance server 90 of an insurance company. It is possible to send and receive information to and from.
- the in-vehicle terminal 30 includes an imaging unit 350 that forms an image of a subject such as a driver's iris and body characteristics on a light receiving surface, photoelectrically converts the image, and outputs the image as an image signal in order to identify the driver.
- image processing means 351 for performing processing such as image size change, sharpness correction, contour processing, and contrast correction on analog signals, and an AD converter for converting analog image signals to digital image data 352 are provided.
- a GPS capable of acquiring the current position of the vehicle 32
- a position acquisition means 359 such as P ositioning System
- the in-vehicle terminal 30 communicates with another communication device such as the insurance server 90 via the base station 20 and the information communication server 80, and the communication means includes information processing.
- Means of transmitting means for converting various information obtained from means 380 and memory 380 1 into radio signals, and recording radio signals received from base station 20 in information processing means 380 and memory 381 Transmission / reception means 365 having a function of a reception means for converting the information into information to be transmitted is provided.
- the communication means may be a communication means using a mobile phone or a PHS carrier, or a communication means based on a dedicated communication standard.
- the communication means of the on-board terminal 30 includes various types of information such as the driving status of the vehicle 32, driver identification information, information on car insurance, and information on running costs on a carrier wave such as an electric wave.
- An antenna for transmitting and receiving is provided.
- the in-vehicle terminal 30 has a fingerprint capable of reading the driver's fingerprint when authenticating the driver and outputting information about the fingerprint to the information processing means 380 of the in-vehicle terminal. Reading means 369 is provided.
- an input means 37 0 composed of a mode switching button, a cancel button, an execution button, a menu button, a cross button, etc.
- an input means 37 0 Input interface 371 which inputs and outputs input information and display information such as LEDs, map information and images, car insurance contracts, car insurance premiums, details of car insurance coverage
- vehicle 3 2 driving Display means 372 for displaying various information such as cost and notifying the driver or insurance contractor
- a display interface 373 for converting the display signal into a display signal for display is provided.
- the display means interface 37 3 or the input interface 37 1 converts information input from a driver or the like into information processing means. Perform processing to convert to a signal to be output to 380
- the vehicle-mounted terminal 30 is provided with an AD converter 360 to accelerate the vehicle 32.
- the acceleration signal output from a sudden brake sensor that measures the degree (such as an acceleration sensor that measures the acceleration at the time of a sudden braking operation by the driver) and the signal from an accelerator position sensor that detects the amount of depression of the accelerator pedal are input.
- the digital signal can be output to the information processing means 380.
- the -0 converter 360 is a sudden steering wheel sensor (a driver's sudden acceleration) that measures the angular acceleration around the vehicle 32, the angular velocity, or the lateral acceleration of a predetermined position of the vehicle 32.
- Angular acceleration signals or angular velocity sensors that measure the angular acceleration, angular velocity, steering wheel rotation speed, etc. when operating the steering wheel) are input, and converted to digital signals for information processing. It is possible to output to the means 380.
- the vehicle-mounted terminal 30 is provided with an IZ0 376.
- the vehicle-mounted terminal 30 controls the vehicle-mounted terminal 30 as a whole, processes information as a car navigation system, collects and processes the status and running status of the vehicle 32, and processes automobile insurance contracts.
- Car insurance premium calculation processing vehicle 32 running cost calculation processing, various image display processing, sampling timing control of captured image data, image data recording control, communication control, etc.
- the on-board terminal 30 includes a memory 381 for storing a processing program of the on-board terminal 30, various constants, variables, image data, and the like used for processing, and a recording device such as a hard disk or a semiconductor.
- a recording means interface 384 for re-reading the recording means 384 with various information recorded thereon.
- the recording means 384 includes unique identification information such as a vehicle type and a chassis number of the in-vehicle terminal 30, information related to display, an image, and a traveling state for recording the traveling state of the vehicle 32. It is possible to record various information such as a status database.
- the information recorded in the insurance database 92 may be recorded, and the driver authentication processing and the car insurance premium calculation processing may be executed on the in-vehicle terminal 30 side.
- the in-vehicle terminal 30 may be provided with a power render clock 390 having a timer function for counting time and counting time based on an instruction from the information processing means 380.
- each peripheral circuit may be an independent circuit, or a circuit in which a plurality of functions are combined, such as ASIC (Ap Iic ati io n Spec ec tic ic e nt ig a rt e d C i r c u i t).
- FIG. 3 shows a block diagram of a signal processing system of the information communication server 80.
- the information transmission / reception unit of the information communication server 80 includes a predetermined communication in order to transmit / receive information to / from another communication device such as the base station 20 or the insurance server 90 via the communication network 10.
- Transmission / reception means 865 for converting data into a format is provided.
- the information communication server 80 includes a display unit 872 for displaying information such as images and characters for confirmation, and an image for display on the display unit 872 based on a command from the information processing unit 880.
- a display interface 873 for outputting a signal, and various information input by an administrator of the communication server 80 via the input unit 870 to read and transmit the information to an information processing unit 880 described below, or an instruction obtained from the information processing unit 880.
- an input interface 871 for outputting a display command to notification means such as an LED based on the input command.
- the information communication server 80 includes a recording medium mounting section 878 for detachably mounting the recording medium 877, and a recording medium interface for re-reading various kinds of information recorded on the recording medium 877. 879 are provided.
- the recording medium 877 is a detachable recording medium such as a semiconductor such as a memory card, and a magnetic recording type and an optical recording type typified by an MO and a tape.
- the information communication server 80 includes an information processing means (CPU) 880 for controlling the entire information communication server 80 and a recording means serving as a work area when the information processing means 880 executes processing.
- Memory 88 1 and processing programs and various constants executed by the information processing means 880 addresses for communication connection with communication devices on the network, dial-up telephone numbers, attribute information, URL (U n I form Re source L ocators) , user-specific S Aru ⁇ 1 J information, gate Bok way information DNS (D oma in N ame S yst em), communication contract database to record the contract information relating to communication, auto insurance
- a recording means 884 such as a hard disk for recording various information such as an insurance contract database for recording information on contracts, a traveling situation database for recording the traveling situation of each vehicle, and various kinds of information for the recording means 884.
- a recording means interface 885 for reading and reading and a force render clock 890 for engraving time are provided.
- Information processing means 880 in the information communication server 80 each including a display interface 873, an input interface 871, a memory 881, a recording medium interface 879, a recording means interface 885, a calendar clock 890, etc.
- the peripheral circuits are connected by a bus 899, and the information processing means 880 can control each peripheral circuit based on a processing program executed by the information processing means 880.
- FIG. 4 shows a signal processing system block diagram of the insurance server 90.
- the information transmitting / receiving unit of the insurance server 90 converts data into a predetermined communication format in order to transmit / receive information to / from another communication device such as the information communication server 80 via the communication network 10.
- a transmission / reception means 965 for performing communication is also included in the insurance server 90.
- the insurance server 90 has a display means 972 for displaying information such as images and characters for confirmation, and outputs a display image signal to the display means 972 based on a command of the information processing means.
- Display interface 973 and insurance server 9 0 reads the various information input by the administrator via the input means 970 and transmits it to the information processing means described later, and outputs a display command to the notification means such as an LED based on the instruction from the information processing means.
- An interface 97 1 is provided.
- the insurance server 90 includes a recording medium mounting section 978 for detachably mounting the recording medium 977, and a recording medium interface 979 for recording and reading various information on and from the recording medium 977.
- the recording medium 977 is a detachable recording medium such as a semiconductor such as a memory card, a magnetic recording type represented by an MO or a tape, and an optical recording type.
- the insurance server 90 includes an information processing means (CPU) 980 for controlling the entire insurance server 90, and a form of recording means serving as a work area when the information processing means 980 executes processing.
- the memory 981 and the processing programs and various constants executed by the information processing means 980 addresses used for communication connection with communication devices on the network, dial-up telephone numbers, attribute information, URL (Uniform Resource Locators), lj user-specific knowledge lj reports, K-way information DNS (Doma in Name System), insurance contract database that records information on auto insurance contracts,
- a driving situation database that records driving conditions, various types of information such as for calculating automobile insurance premiums, a driver database that records information about vehicles and drivers, an insurance rate for each driving region, a driving date / time regional insurance Recording means 984 such as a hard disk for recording various information such as insurance rate, vehicle status, running status database, and insurance database that records the calculated insurance premiums; and recording and reading various information to and from the recording means 984
- Each peripheral circuit including the information processing means 980 in the insurance server 90, the display interface 973, the input interface 971, the memory 981, the recording medium interface 979, the recording means interface 985, the calendar clock 990, etc. is a bus 999. Connected and executed by the information processing means 980 The information processing means 980 can control each peripheral circuit based on the processing program.
- the traveling area information input means such as the input means 370, 870, 970, the transmission / reception means 365, 865, 965, the recording means interfaces 385, 885, 985, the information processing means 380, 880, 980 are used when the vehicle travels.
- Area information such as a place name or longitude and latitude, that specifies the area of interest, or a plurality of area information, such as a plurality of place names or a plurality of longitude and latitude, that specify the plurality of areas included in the route along which the vehicle travels. It is possible to input.
- Travel area insurance premium acquisition means such as input means 370, 870, 970, transmission / reception means 365, 865, 965, recording means interfaces 385, 885, 985, information processing means 380, 880, 980, etc. From the travel area premium database (the travel date and time regional insurance rate shown in Fig. 29), which records the regional information in association with the premium defined for the area, the insurance premium for the area corresponding to the input regional information is calculated. It is possible to obtain.
- the travel area premium database the travel date and time regional insurance rate shown in Fig. 29
- the driving area insurance rate acquisition means such as 80, 880, 980, etc., obtains information on the area in which the vehicle runs, information on the date and time when the vehicle runs, and the insurance premium determined according to the area and date and time. It is possible to acquire the regional information of the region including the input vehicle position information and the date and time information and the insurance premium rate from the travel region insurance premium database recorded in association with the insurance premium rate.
- the driving area insurance rate acquisition means such as 80, 880, 980, etc., obtains information on the area in which the vehicle runs, information on the date and time when the vehicle runs, and the insurance premium determined according to the area and date and time. It is possible to acquire the second regional information of the region including the input vehicle position information and the date and time information and the insurance premium rate from the travel region insurance premium database recorded in association with the premium.
- the driver condition input means such as 80, 880, 980, etc. is capable of inputting driver conditions such as the age and grade of the authenticated driver.
- the means for entering insurance premiums by type of use, such as 80, 880, 980, etc., can be used to enter insurance premiums by type of vehicle.
- the input means can input the traveling distance of the vehicle.
- the brake status input means such as the AD converter 360, IZO 376, transmitting / receiving means 365, 865, 965, recording means interface 385, 885, 985, information processing means 380, 880, 980, etc. It is possible to input the brake status indicating the effectiveness of the brake.
- the handle status input means such as the AD converter 360, IZO 376, transmitting / receiving means 365, 865, 965, recording means interface 385, 885, 985, information processing means 380, 880, 980, etc. It is possible to input the steering wheel status indicating the angular speed or the steering wheel rotation speed.
- the driving speed input means such as the AD converter 360, IZO 376, transmitting / receiving means 365, 865, 965, recording means interface 385, 885, 985, information processing means 380, 880, 980, etc. It is possible to input.
- Seat belt status input means such as AD converter 360, IZO 376, transmission / reception means 365, 865, 965, recording means interface 385, 885, 985, information processing means 380, 880, 980, etc. It is possible to input the seat belt non-wearing state.
- Driving area insurance premium acquisition means such as transmission / reception means 365, 865, 965, recording means interfaces 385, 885, 985, information processing means 380, 880, 980, etc. From the travel area insurance premium database, which records the insurance premiums associated with It is possible to acquire the insurance premiums of the regions corresponding to the number of regional information, and obtain the sum of the insurance premiums of each region as the insurance premiums for the route.
- the driving date and time insurance premium acquisition means uses a driving date and time insurance database that records information on the date and time when the vehicle runs and the insurance fee defined in accordance with the date and time (the insurance rate for each driving region shown in Figure 28, Or, from the travel date and time regional insurance rate shown in Fig. 29), it is possible to acquire the insurance premium at the date and time corresponding to the input travel date and time information.
- the travel area insurance acquisition means is based on the travel area insurance database that records the area information of the area in which the vehicle travels and the date and time the vehicle travels in association with the premium determined in accordance with the area and the date and time. It is possible to obtain insurance premiums in the area corresponding to the information and the date and time information.
- the travel region insurance premium acquisition means uses a travel region insurance premium database that records information relating to a plurality of regions in which the vehicle travels and information on the date and time when the vehicle travels, and the premium defined in accordance with the region and the date and time. It is possible to acquire the insurance premiums of the areas corresponding to the plurality of input regional information and the date and time information, and to acquire the sum of the insurance premiums of each area as the insurance premium of the route.
- the travel area insurance acquisition means calculates the travel distance in the area where the vehicle has traveled in the area based on the acquired area information and the input travel position information, and calculates the travel distance in the area and the acquired insurance rate. It is possible to obtain regional insurance premiums by integrating [0119]
- the traveled area insurance premium acquisition means sets the travel completed flag in the first area when the vehicle has traveled and determines that traveling in the first area has been completed, and the vehicle travels It is possible to acquire the insurance premium corresponding to the first area where the travel completed flag is set from the driving area insurance premium database that records the regional information and the insurance premium determined according to the area in association with each other. I have.
- the traveled area insurance premium acquisition means sets the travel completed flag in the first area when the vehicle has traveled and determines that traveling in the first area has been completed, and the vehicle travels The first region and date and time when the Done flag was set from the travel region insurance premium database that records the regional information and the date and time information when the vehicle travels in association with the insurance fee determined according to the region and date and time It is possible to obtain insurance premiums corresponding to the above.
- the travel area insurance premium acquisition means calculates the travel distance in the area where the vehicle traveled in the area based on the acquired second area information and the input travel position information, and calculates the travel distance in the area and the acquired travel distance. It is possible to acquire the insurance premium of the second region by adding up the calculated insurance premium rate, and obtain the integrated insurance premium by adding it to the insurance premium of the first region.
- the means for obtaining rapid insurance premiums such as the transmitting / receiving means 365, 865, 965, the recording means interface 385, 885, 985, etc. are operated by the brake and the brake. It is possible to acquire the emergency brake premium corresponding to the entered brake status from the insurance database that records the premium in accordance with the operation specified in the above.
- the counting means such as the information processing means 380, 880, 980, etc. It is possible to count the degree of sudden braking and the number of times that sudden braking was operated based on the status.
- the rapid brake insurance premium acquisition means uses the insurance database 92, which records the degree of sudden braking and the premium defined in accordance with the degree of sudden braking in association with each other, and calculates the premium corresponding to the entered brake status. It is possible to acquire the sum of the insurance premiums for all times that the driver applied the sudden braking as a rapid braking insurance premium.
- the means for obtaining premiums is to obtain the sum of the sudden brake premiums and the regional or total premiums
- the quick handle insurance premium acquisition means obtains the quick handle insurance premium corresponding to the input handle status from the insurance database 92, which records the operation of the steering wheel in association with the insurance premium determined according to the operation of the steering wheel. It is possible to obtain it.
- the counting means such as the information processing means 380, 880, 980 can count the degree of the sharp steering and the number of times the sharp steering is operated based on the steering wheel status. It has become.
- the quick handle insurance premium acquisition means uses the insurance database 92, which records the degree of the sharp steering and the insurance premium determined according to the degree of the sharp steering in association with each other, to obtain the insurance premium corresponding to the input steering wheel status. And then steer the steering wheel It is possible to acquire the sum of the insurance premiums for all the number of times it was made as a sudden handle premium.
- the means for acquiring premiums is such that it is possible to acquire the premiums obtained by adding the acquired sharp handle premiums, the regional premiums, the accumulated premiums or the sudden brake premiums.
- the overspeed insurance premium acquisition means obtains an overspeed insurance premium corresponding to the input traveling speed from the insurance database 92, which records the traveling speed of the vehicle in association with the insurance fee determined according to the traveling speed. It is possible to do.
- the speed limit obtaining means can obtain the speed limit corresponding to the input area information from the insurance database 92, which records information relating to the area in which the vehicle is traveling and the speed limit determined in accordance with the area. It is possible.
- Overspeed insurance premium acquisition means compares the running speed of the vehicle with the speed limit, and if the running speed of the vehicle exceeds the speed limit, the overspeed insurance premium according to the excess speed limit It is possible to get.
- the rate class coefficient acquisition means is to acquire the rate class coefficient corresponding to the entered vehicle number and registration year from the rate class coefficient database that records the vehicle number and registration year of the vehicle in association with the rate class coefficient. Is possible.
- the rate class coefficient acquisition means such as 885, 885, 985, information processing means 380, 880, 980, etc., relates the vehicle number and registration year to the rate class coefficient. It is possible to obtain a new rate class coefficient by acquiring the input vehicle number and the rate class coefficient corresponding to the registration year from the rate class coefficient database to be recorded and multiplying it by the application-specific insurance premium. Has become.
- the driver condition coefficient acquiring means can acquire a driver condition coefficient corresponding to the input driver condition from a driver condition database that records the driver condition and the driver condition coefficient in association with each other. ing.
- the driver-by-driver insurance premium acquisition means and the like can acquire the insurance premium for each driver based on the driver condition coefficient.
- the insurance rate acquisition means can acquire the insurance rate when calculating the insurance premium according to the distance traveled by the vehicle.
- the traveling date and time information input means is capable of inputting traveling date and time information for specifying the date and time when the vehicle travels.
- the travel date and time insurance rate acquisition means uses the travel date and time information entered from the travel date and time insurance rate database, which records the date and time when the vehicle travels and the insurance rate for each distance the vehicle travels, which is determined according to the date and time. It is possible to obtain the insurance premium rate at the date and time corresponding to the above.
- the means for obtaining insurance premiums for each vehicle driver is capable of acquiring insurance premiums for each vehicle and driver based on the entered insurance premiums for each type of use, vehicle information, and driver conditions.
- the insurance premium obtaining means can obtain the insurance premium by integrating the obtained insurance premium rate and the mileage of the vehicle.
- the means for acquiring premiums can acquire premiums that are obtained by adding the acquired overspeed insurance premiums and the regional premiums, accumulated premiums, sudden braking premiums, or sudden steering wheel premiums. I have.
- the seat belt insurance premium acquisition means is to acquire the seat belt insurance premium when the seat belt is not worn from the insurance database 92, which records the state where the seat belt is not worn and the premium at that time in association with each other. Is possible.
- the means for acquiring seatbelt insurance premiums is based on the insurance database 92, which records information relating to the area in which the vehicle travels and the insurance premiums in the area when the seatbelt is not installed. It is now possible to obtain a seatbelt premium.
- the additional premium acquisition means is the acquired seatbelt premium, regional premium, and accumulated premium It is possible to obtain an additional premium, which is the sum of a sudden brake insurance premium, a sudden steering wheel insurance premium, or an overspeed insurance premium.
- the information-processing means 380, 880, 980, etc. means for obtaining the premium for each vehicle, calculates the rate class coefficient, the regional premium, the route premium, the insurance premium at the time, and the It is possible to add or multiply insurance premiums, sudden brake insurance premiums, sudden steering wheel insurance premiums, overspeed insurance premiums, seat belt insurance premiums, or additional premiums to obtain insurance premiums for each vehicle. .
- the information processing means 380, 880, 980, etc., the means for obtaining the insurance premium for each vehicle driver include the rate class coefficient and the driver condition coefficient, the regional insurance rate, the route insurance rate, Additions or multiplications to the stated premiums, accumulated premiums, sudden brake premiums, sudden handle premiums, excess speed premiums, seatbelt premiums, or additional premiums, and premiums for each vehicle and driver It is possible to get.
- the information processing means 380, 880, 980, etc., for each driver's insurance premium acquisition means calculates the driver's condition coefficient by the insurance premium calculation device according to claims 1 to 25. Add to the calculated regional premium, route premium, date and time premium, accumulated premium, sudden braking premium, sudden handle premium, overspeed premium, seatbelt premium, or additional premium, or It is possible to obtain the insurance premium for each driver by multiplying.
- the output means of the display interface 3 7 3, 8 7 3, 9 7 3, information processing means 3 80, 8 800, 9 8 0, etc. are regional insurance, route insurance, date and time insurance Premiums, accumulated insurance premiums, sudden braking premiums, sudden steering wheel premiums, overspeed insurance premiums, seatbelt premiums, vehicle-by-vehicle premiums, driver-by-driver premiums, vehicle-driving vehicle-by-vehicle premiums, additional premiums, It is possible to output other insurance premiums on display means
- the output means such as the recording means interface 385, 885, 988, the information processing means 380, 880, 980, etc. are provided by local insurance premiums, route insurance premiums, date and time. Insurance premiums, cumulative insurance premiums, sudden brake premiums, sudden steering premiums, overspeed insurance premiums, seatbelt premiums, vehicle-by-vehicle premiums, driver-by-driver premiums, and vehicle-driving vehicles It is possible to output premiums, premiums and other premiums to recording means.
- output means such as transmission / reception means 365, 865, 965, information processing means 380, 880, 980, etc. are used for regional insurance, route insurance, date and time.
- Insurance premiums cumulative insurance premiums, sudden braking premiums, sudden steering wheel premiums, overspeed insurance premiums, seatbelt premiums, vehicle-by-vehicle premiums, driver-by-driver premiums, vehicle-driving-vehicle premiums, and premiums It is possible to output other premiums to other communication devices.
- FIG. 5 is a flowchart of a car insurance display process in the driver insurance premium calculation system. As shown in the figure, when the driver instructs the in-vehicle terminal 30 to display information on car insurance, the processing performed by the information processing means 380 of the in-vehicle terminal 30 branches to S100. Then, the process proceeds to the next S102 “Auto insurance menu display”.
- the information processing means 380 stores the display file of the predetermined automobile insurance display menu recorded in the recording means 384 or the like as the recording means interface 385 and the bus 3
- the data is read out through the interface 9 9 and converted into display data, and then output to the display interface 3 73 via the bus 3 9 9.
- the display interface 3732 converts the acquired display data into a display signal such as RGB, and outputs it to the display means 3772. Then, a car insurance menu as shown in FIG. 6 is displayed on the display means 37.
- FIG. 6 is a screen for selecting display items related to car insurance.
- the item of “auto insurance driver registration procedure” for registering the driver who is covered by the automobile insurance for the contracted automobile insurance, the driver's authentication at the start of driving and the driver's If you do not have insurance, you will need to enter a driving plan with a function to apply for insurance.If you do not have insurance, you will be able to enter a driving plan and display insurance premiums and driving costs during or after driving. Item is provided.
- the driver or the insurance contractor inputs information for selecting a desired item while looking at the automobile insurance menu displayed on the display means 3772, using input means such as an operation button. Operate 370 to input to the in-vehicle terminal 30.
- the information processing means 380 of the in-vehicle terminal 30 is input to the input means 370.
- the obtained information is obtained via the bus 399, and the process proceeds to the next step S104 "Automotive insurance driver registration procedure?"
- the information processing means 380 determines whether the information obtained via the input means 370 and the bus 399 is information relating to "automobile insurance driver registration procedure". It is determined whether or not.
- the processing performed by the means 380 proceeds to the processing of S106 "Auto insurance driver registration procedure".
- the processing performed by the information processing means 380 proceeds to S118 "end", and the "auto insurance display processing” ends. And returns to the original processing routine.
- the information processing means 380 determines whether or not the information obtained via the input means 370 and the bus 399 is information relating to "operation start procedure". Making a decision.
- the information processing means 380 determines that the information input by the information processing means 380 is information indicating that the driver or the insurance contractor has selected "operation start procedure”.
- the information processing means 3 The processing performed by 80 proceeds to the processing of S110 “operation start procedure”.
- the processing performed by the information processing means 380 proceeds to S118, in which the "auto insurance display processing" is completed and the original processing is performed. Return to the processing routine.
- the information processing means 380 determines whether or not the information obtained via the input means 370 and the bus 399 is information relating to "cost simulation”. It is carried out.
- the information processing means 380 determines whether the information input by the information processing means 380 is determined to be information indicating that the driver or the policyholder has selected “cost simulation”.
- the information processing means 380 The processing performed by (1) proceeds to S114 “Cost simulation processing”.
- the process performed by the information processing means 380 proceeds to S118, in which the "auto insurance display process” is completed to return to the original processing routine. Return.
- the processing performed by the information processing means 380 proceeds to S118, and the “auto insurance display processing” ends and the original processing ends. It returns to the processing routine of.
- FIG. 7 is a flowchart of a process for executing a car insurance driver registration procedure.
- the process proceeds to S106 of the car insurance display process shown in FIG. 5, the process performed by the information processing means 380 of the in-vehicle terminal 30 branches to S200 shown in FIG. Then, the processing proceeds to the next S 2 0 2 ⁇ ⁇ — 1 ”.
- the information processing means 380 identifies the driver who registers the insurance. Processing to assign 1 to variable n. Here, it is stipulated that the first driver be registered in the subsequent processing. When the process of substituting 1 for the variable n is completed, the process performed by the information processing means 380 proceeds to the next S204 “driver n individual information registration screen display”.
- the information processing means 380 reads the driver's individual information registration screen display file recorded in the recording means 384 or the memory 381, and displays the file for display. After being converted to data, the data is output to the display interface 37, and the individual information registration screen of the nth driver as shown in FIG. 8 is displayed on the display means 372, and the information processing means 380 executes the screen. The processing proceeds to the next step S206 “Individual information input completed?”.
- FIG. 8 is a screen for registering the individual information of the nth driver.
- the name, date of birth, and gender are listed as the individual information of the nth driver to be input.
- the individual information of the driver to be registered is not limited to the information described in FIG.
- the driver or the insurance contractor inputs individual information such as name, date of birth, gender, etc., through the input means 370 of the in-vehicle terminal 30 while looking at the displayed information. Then, when the input of the individual information is completed, the driver or the insurance contractor operates the “decision” button (see FIG. 8) indicating the completion of the input.
- the information processing means 380 performs processing for recording the individual information input via the input means 370 in the memory 381 or the recording means 384.
- An instruction to display the input individual information such as the driver's name, date of birth, and gender on the display means 372 is output, and the input information is notified to the user.
- S206 it is determined whether or not the input of the individual information has been completed based on the information indicating that the "OK" button has been operated via the input means 370. I have. If the information processing means 380 determines that the input of the individual information has not been completed, the processing performed by the information processing means 380 returns to S204, and the latest individual information registration screen is displayed. Display.
- the information processing means 380 reads out the driver identification information registration screen display file recorded in the recording means 384 or the memory 381, and displays the file for display. After converting the data into data, the data is output to the display interface 3 7 3, the driver's individual information registration screen as shown in FIG. 9 is displayed on the display means 3 72, and the processing performed by the information processing means 3 80 Proceed to the next S210 “identification information registration process”.
- FIG. 9 is a guidance screen for registering driver identification information.
- the driver or policyholder registers identification information such as a password and a driver's license number.
- the driver When the driver's fingerprint is input as the identification information, the driver places a predetermined finger on fingerprint reading means 36 9 provided on the in-vehicle terminal 30, and inputs a fingerprint reading instruction to the input means. Operate 3 7 0 to enter.
- the information processing unit instructs the fingerprint reading unit 36 9 to read and output the fingerprint information via the bus 39 9 in S 210. Then, the information processing means 380 acquires fingerprint information.
- the information processing means 380 that obtained the fingerprint information converts the fingerprint information into image data, etc., performs trimming as necessary, performs image processing such as binarization processing, and then identifies the driver.
- the data is recorded in the recording means 384 or the memory 381 in association with the ID or ID, and registered.
- the driver When inputting the driver's iris as identification information, the driver places his / her eyes in front of the camera provided on the in-vehicle terminal 30 and inputs an iris reading instruction to the input means 3. 7 Operate 0 to input.
- the information processing means 380 When an instruction to read the iris is input from the driver, the information processing means 380 outputs an instruction to drive the imaging means 350 via the bus 399.
- the imaging means 350 the image of the iris which is incident and formed on the imaging surface is photoelectrically converted and output to the image processing means 351 as an image signal.
- the image processing means 351 changes the image size and sharpens the input analog image signal. It performs processing such as image correction, contour processing, and contrast correction, and outputs the result to the AD converter 352.
- the A-D converter 352 converts the input analog image signal into digital image data, and outputs the digital image data to the information processing means 380 via the bus 399.
- the information processing means 380 which has acquired the iris image data, performs image processing such as trimming and binarization processing on the iris image data as necessary, and then identifies the driver.
- the data is recorded in the recording means 384 or the memory 381 in association with the ID or the ID, and registered.
- the processing performed by the information processing means 380 proceeds to the display processing of S212 "display of driver n + 1 first person registration necessity screen".
- the license number is input through the input means 370, but the license number reading device means for reading the license number is provided to automatically read the license number.
- the license number reading device means for reading the license number is provided to automatically read the license number.
- a configuration may be adopted in which a license is photographed using the imaging means 350, a position where the license number is described is extracted from the acquired image data, and the license number is automatically read. May be.
- the information processing means 380 reads the display file of the necessity of registration of individual information of the next driver recorded in the recording means 384 or the memory 381. Then, the data is converted to display data and then output to the display interface 373. Then, the display means 372 displays a registration necessity screen of the (n + 1) th driver as shown in FIG. 10, and the processing performed by the information processing means 380 is the following S 2 1 4 “ n + First person registration required? "
- the information processing means 380 determines whether or not the information input from the driver or the policyholder is information indicating that registration of the next driver is required. You.
- the information processing means 380 determines that the information input from the driver or the policyholder is information indicating that registration of the next driver is required, the information processing means 380 The process to be performed branches to S2 16 ⁇ ⁇ - ⁇ + 1 ”, and the process of adding 1 to the variable ⁇ that identifies the driver who registers the insurance is performed.
- the process performed by the information processing means 380 returns to S204 ⁇ Driver n individual information registration screen display '', where n + 1 individual information and Perform registration processing of identification information.
- the information processing means 380 determines that the information input from the driver or the insurance contractor is not information that requires registration of the next driver, the information processing means 3800 The processing performed by 80 proceeds to the processing of the next S218 "Driver registration result screen display".
- the information processing means 380 reads the driver registration result screen display file of the driver recorded in the recording means 384 or the memory 381, and displays the file for display. After conversion to data, it is output to the display interface 3 7 3. Then, a screen for notifying the registration result of the driver as shown in FIG. 11 is displayed on the display means 372, and the processing performed by the information processing means 380 is the following S220 Is there input? "
- information processing means 380 determines whether or not information indicating that the driver registration result has been confirmed has been input via input means 370. If the information processing means 380 determines that the information indicating that the driver registration result has been confirmed has not been input, the processing performed by the information processing means 380 returns to S 2 18 Wait for confirmation information.
- the information processing means 380 If it is determined that the information processing means 380 has input the information indicating that the driver registration result has been confirmed, the information processing means 380 is associated with the insurance contract database shown in FIG. Record the driver database shown in 6 as recording means 3 8 4 etc. Further, the driver database may be transmitted to the insurance server 90 via the information communication server 80. Next, the processing performed by the information processing means 380 proceeds to S222 “End”, where the car insurance driver registration procedure is completed and the processing returns to the original processing routine.
- the insurance contract database contains basic insurance premiums F i and pay-as-you-go insurance premiums ra Fra or FS FS a (S 10 14 shown in FIG. 27 or FIG. Three The vehicle-specific insurance premium and the vehicle registration number, which is the basis for calculating the rate class coefficient, and the registration year are also recorded.
- the driver database contains basic insurance premiums F i and pay-as-you-go insurance premiums ⁇ Fra or FS FS a (S 10 14 shown in FIG. 27 or FIG. 3).
- the driver's age, insurance amount, and grade, etc. which are the basis for calculating the age condition factor to be considered in S15 shown in Fig. 9), the amount of personal compensation, objective compensation, personal injury, passenger injury, etc. It is recorded together with information on the amount of money.
- FIG. 12 is a flowchart of a process for executing an operation start procedure.
- the process performed by the information processing means 380 of the in-vehicle terminal 30 branches to S300 shown in FIG. Proceed to the next step S302 “Driver authentication guide screen display”.
- the information processing means 380 reads the driver authentication guidance screen display file recorded in the recording means 384 or the memory 381, and converts the file into display data. After conversion, it is output to the display interface 373. Then, a driver authentication guidance screen as shown in FIG. 13 is displayed on the display means 37. Then, the processing performed by the information processing means 380 proceeds to the next S304 “registered driver verification processing”.
- the information processing means 380 uses the password, driver's license number, fingerprint, iris, and other identification information entered by the driver, and S106 "Auto insurance driver registration procedure.” Performs the process of comparing with the identification information recorded in the recording means 384 and the like at step.
- the information processing means 380 determines whether or not the same flag is set for the driver. If the same flag is not set for the driver, the processing performed by the information processing means 380 proceeds to the processing of S 308 “Display of insurance not applicable notification screen”.
- the information processing means 380 reads the insurance application non-applicability notification screen display file recorded in the recording means 384 or the memory 381, and converts it into display data. After that, output it to the display interface 373. Then, the insurance means non-applicability notification screen as shown in Fig. 14 is displayed on the display means 372, and the processing to be performed by the information processing means 380 is the following S310 "Execution of enrollment procedure?" To judge: ti mu o
- the information processing means 380 performs a process of waiting for the entry of the enrollment procedure information from the driver, and performs a process of branching according to the information input from the driver. . If the information input by the driver is the execution of the enrollment procedure, the processing performed by the information processing means 380 branches to S312 “Insurance application processing” and a new insurance contract is made. To perform the processing. After that, the process proceeds to S320 “end”, ends the operation start procedure, and returns to the original processing routine.
- the information processing means 380 reads the display file indicating that the driver has been authenticated recorded in the recording means 384 or the memory 381, and displays the data for display. And then output to the display interface 373. Then, a driver authentication screen as shown in FIG. 15 is displayed on the display means 3 72. Then, the processing performed by the information processing means 380 is as follows: S 3 16 “Need to confirm compensation details?” Proceed to judgment.
- the information processing means 380 performs a process of waiting for the driver to input information on whether or not it is necessary to confirm the details of the insurance coverage, and the information input by the driver. Is performed in accordance with the process.
- the processing performed by the information processing means 380 branches to S320. Then, the process of the operation start procedure is completed, and the process returns to the original processing routine.
- the processing performed by the information processing means 380 is as follows: Display ”.
- the information processing means 380 displays the content of the insurance coverage of the authenticated driver recorded in the recording means 384 or the memory 381, as described above.
- the file is read, converted to display data, and output to the display interface 373.
- the insurance compensation screen as shown in FIG. 16 is displayed on the display means 37.
- the processing performed by the information processing means 380 proceeds to the next S320, ends the processing of the operation start procedure, and returns to the original processing routine.
- FIG. 17 is a flowchart when executing the cost simulation process.
- the processing executed by the information processing means 380 of the in-vehicle terminal 30 branches to S400 shown in FIG. Then, the process proceeds to the next S402 “Cost simulation menu display”.
- the information processing means 380 reads the cost simulation display file recorded in the recording means 384 or the memory 381 and converts it into display data. Output to display interface 3 7 3 Then, a menu of cost simulation as shown in FIG. 18 is displayed on the display means 37. Then, the processing performed by the information processing means 380 proceeds to the next S404 determination of "input of travel plan conditions?" [0210] In S404, the information processing means 380 determines whether or not the item input by the driver is a travel plan condition input process. If the information processing means 380 determines that the input information is the travel plan condition input processing, the processing performed by the information processing means 380 is S 406 Proceed to. When the input processing of the travel plan condition has been completed, the processing performed by the information processing means 380 proceeds to S418 "End", and the cost simulation processing is ended to return to the original processing routine.
- information processing means if the input information is not a travel plan condition input process, information processing means
- the information processing means 380 determines whether or not the item input by the driver is a display of a passing cost.
- the processing executed by the information processing means 380 is S410 "Some halfway display command output , Display ”.
- the information processing means 380 of the in-vehicle terminal 30 outputs an "in-progress display command" to the information communication server 80 via the transmitting / receiving means 365. Subsequent processing of the information communication server 80 and the insurance server 90 will be described after S1402 in FIG.
- the information processing means 380 sends the information communication server 80 a "progress display command”. Instead of outputting “”, processing to calculate insurance premiums and running costs is performed in the in-vehicle terminal 30.
- the processing performed by the information processing means 380 is S 4 1 2 ⁇ display fixed cost ? Proceed to judge. [0216] In S412, the information processing means 380 determines whether or not the item input by the driver is a fixed cost display. If the information processing means 380 determines that the input information is a confirmed cost display, the processing performed by the information processing means 380 is S 414 “Confirmed content display command output, Display ”. In S410, the information processing means 380 of the in-vehicle terminal 30 outputs a "determined content display command" to the information communication server 80 via the transmitting / receiving means 365.
- the information processing means 380 will display the “determined content display” on the information communication server 80. Instead of outputting the “command”, a process of calculating the insurance premium and the running cost fixed in the in-vehicle terminal 30 is performed.
- the information processing means 380 determines whether or not the driver has input an instruction to end the cost simulation processing.
- the processing performed by the information processing means 380 returns to S402, and the cost simulation processing is re-executed.
- a menu is displayed, and a process of waiting for an instruction from the driver via the input means 370 is performed.
- FIG. 19 is a flowchart when the travel plan condition input processing is executed.
- the information processing means 380 performs a process of substituting 1 into a variable r for identifying a specific traveling route from a plurality of traveling routes (traveling routes).
- a travel plan is input for the first travel route (R 1) in the subsequent processing.
- the process performed by the information processing means 380 is as follows: S 604 “Display of travel plan condition input screen of travel route R r (planned travel time)” Proceed to.
- the information processing means 380 reads out the display file of the screen for inputting the scheduled travel time recorded in the recording means 384 or the memory 381, and displays the data for display. After converting to, output it to the display interface 3 7 3. Then, a screen for prompting the user to input the scheduled travel time of the r-th travel route as shown in FIG. 20 is displayed on the display means 372.
- Fig. 20 is a screen for inputting the scheduled travel time for each route.
- the driver inputs the scheduled travel date and the scheduled travel time via the input means 370 of the in-vehicle terminal 30 while watching the displayed screen. Then, when the input of the scheduled travel time is completed, the driver operates the “OK” button (see FIG. 20) indicating the completion of the input.
- the information processing means 380 performs a process of recording the information on the scheduled traveling time input via the input means 370 in the memory 381 or the recording means 384. Then, an instruction to display the input information on the scheduled travel time on the display means 372 is output to notify the user of the input information.
- S604 it is determined whether or not the input of the scheduled travel time has been completed based on the information indicating that the "OK" button has been operated. If the information processing means 380 determines that the information indicating that the "OK" button has been operated has been input, the processing performed by the information processing means 380 proceeds to the next S606 "Running Display of the driving plan condition input screen (driving route) for one Rr ”.
- the information processing means 380 is stored in the recording means 384 or the memory 380.
- the display file on the screen for inputting the recorded travel route is read out, converted to display data, and output to the display interface 373. Then, a screen for prompting the user to input the traveling route of the r-th traveling route as shown in FIG.
- FIG. 21 shows a screen for inputting a travel route for each route.
- the driver while watching the displayed screen, indicates the waypoint of the travel route using the input means 3 of the on-board terminal 30.
- the information processing means 380 performs a process of recording the information on the travel route input via the input means 370 in the memory 381 or the recording means 384, Further, an instruction to display the inputted information on the traveling route on the display means 372 is outputted to notify the inputted information to the user.
- the information processing means 380 reads the display file of the screen for inputting the travel route recorded in the recording means 384 or the memory 381, and converts the read file into display data. After the conversion, it is output to the display interface 3 7 3. Then, the display means 37 2 displays a screen for inputting an instruction as to whether or not to carry out a simulation on another traveling route as shown in FIG.
- the process performed by 80 proceeds to the next step S610 “Simulation of another route?”.
- FIG. 22 is a screen for inputting an instruction as to whether or not to execute a simulation on another traveling route.
- the driver can input an instruction as to whether or not to perform a simulation on another route.
- the information processing means 380 If the driver selects the "Yes” button and inputs information to instruct execution of a simulation in another route such as R2, for example, the information processing means 380 The process to be performed branches to S6 12 2 r-r + 1 ", and the process of adding 1 to the variable r indicating the traveling route is performed.
- the processing performed by the information processing means 380 is S 6 Proceed from 10 to S 6 1 4 “Running schedule information generation”.
- Fig. 23 is a chart showing an example of the content of travel plan condition information input by the driver. As shown in the figure, the scheduled travel date and time is recorded in the travel plan condition information. In addition, the information of the passing point for each route (R1, R2, R3, etc.) is recorded as P11, P12, P13, P14,.... For example, P11 is the starting point, P12 is the Takagi-cho ramp, and P13 is the location information of the Misato tollgate.
- FIG. 24 is a chart showing travel schedule information generated based on travel plan condition information input by the driver.
- the information processing means 380 performs a process of creating route information based on the information of the passing point input from the driver. For example, based on information on points passing through P11 and P12, route information A11 indicating a route therebetween is created. At this time, the route may be determined based on the information of the passing point and the map information of the car navigation system, or a plurality of pieces of route information may be created separately for each route having a different insurance premium.
- the travel plan condition information should include the security number, driver name, vehicle number, departure point (start point), end point (end point), and other information identifying the insurance contract. It may be.
- the information processing means 380 transmits the travel schedule information created in S614 to the information communication server 80.
- the travel schedule information is used by the in-vehicle terminal 30. 4 may be recorded.
- the travel schedule information may be directly transmitted to the insurance server 90 without passing through the information communication server 80.
- the information processing means 980 of the insurance server 90 transmits the received travel schedule.
- the information is recorded in the recording means 984, and at the same time, the content of the received travel schedule information is analyzed and classified, and the process of recording the information in the travel status database is performed.
- the description contents of the driving situation database are shown in the chart of Fig. 25.
- next step S618, the information processing means 380 requests the travel schedule insurance premium calculated based on the travel schedule information to a communication device such as the information communication server 80 to acquire the same. I do. Further, the calculation processing of the scheduled travel premium may be performed by the in-vehicle terminal 30 instead of being performed by another communication device such as the insurance server 90.
- the processing performed by the information processing means 380 proceeds to the processing of the following S620 “Acquisition of travel cost (calculation, reception ...)”.
- the calculation of the travel insurance premium is performed, for example, by performing the processing of S1000 and later shown in FIG. The process of calculating the travel insurance premium (FSr) will be described later.
- the information processing means 380 transmits the running costs such as the toll road fee, the fuel cost of the running vehicle, and the required time calculated based on the running schedule information to an information communication server.
- a process for receiving data from a communication device such as a bus 80 is performed. Further, the calculation processing of the traveling cost may be performed by the on-board terminal 30 instead of being performed by another communication device such as the insurance server 90.
- the process performed by the information processing means 380 proceeds to the next step S6222 "Display of scheduled travel premium and cost notification screen".
- the information processing means 380 reads the travel insurance premium and the registration screen display file recorded in the recording means 384 or the memory 381, and displays the file for display. After the data is converted to data, it is output to the display interface 373, and the display means 372 displays the insurance premium and cost notification screen as shown in Fig. 26. When the display is made, the processing performed by the information processing means 380 proceeds to the next “S 624” “End”, ends the travel plan condition input processing, and returns to the original routine.
- Fig. 27 is a flowchart when the scheduled travel premium calculation process (FSr) is executed.
- the process proceeds to S 6 18 of the travel plan condition input process shown in FIG. 19, and when the travel schedule premium acquisition request information is received from the in-vehicle terminal 30, the information processing means 9 80 such as the insurance server 90 etc.
- the processing to be performed branches to S1000 shown in the figure, and the next S1002 “the“ running situation database ”of the specific security number from the insurance database and the total number of routes R (r MAX ) Is read. "
- the information processing means 980 of the insurance server 90 sends a request for "acquisition of travel insurance premiums" from the insurance database 92 recorded in the recording means 984 and the like.
- Read the “running status database” (see Fig. 25) of the specific securities number corresponding to the affected vehicle.
- “travel situation database” “scheduled travel date”, “scheduled route”, “scheduled area” and other information are described for each route Rr.
- the process performed by the information processing unit 980 proceeds to the next S1004 “r ⁇ 1”.
- the information processing means 980 specifies from among the plurality of traveling routes Rr The process of substituting 1 for the variable r that identifies the traveling route of the vehicle is performed. Here, it is stipulated that in the subsequent process, the travel schedule insurance premium is calculated for the first travel route (R 1). When the processing of substituting 1 for the variable r is completed, the processing performed by the information processing means 980 is as follows: Obtain information on the total number (a MAX) ”.
- the area A1 indicates, for example, Tokyo, and A2 indicates information for specifying an area such as Chiba Prefecture.
- A1 may be classified as a suburban road, and A2 may be classified as an urban road where accidents are relatively common.
- the information for specifying the area may be area information composed of a plurality of longitudes and longitudes.
- the information processing means 980 of the insurance server 90 first performs a process of substituting 1 into information a for identifying the area in order to calculate the insurance premium for the area A1.
- the processing performed by the information processing means 980 is S11010.
- the information of “the insurance rate for each driving area in the Aa area” and the “area insurance rate for the driving date and time” is obtained from the insurance database Read ".
- the information processing means 980 of the insurance server 90 calculates the “insurance rate for each driving area” in the Aa area (see FIG. 28) and the “insurance rate in the driving date and time area” (see FIG. 29). Is read from the insurance database 92 and stored in a memory such as a RAM. 981 is stored. Then, the process proceeds to the next S1012 “Aa region mileage insurance premium calculation process (Fd)”.
- S1012 is a subroutine for calculating the mileage insurance premium (Fd) in the Aa area where the vehicle 32 runs. Details of the processing will be described in S1200 and subsequent steps shown in FIG.
- the information processing means 380 determines whether or not the information "a" for identifying the current area has reached the total number (aMAX) of the scheduled areas. If a is less than (a MAX), the processing performed by the information processing means 380 for the purpose of calculating the mileage insurance premium for the next area is S 11018 ⁇ a—a + 1 ” Then, in order to calculate the insurance premium in the next region such as A2, for example, 1 is added to the conventional a and substituted as a new a, and the process returns to S11010.
- the information processing means 380 determines whether or not the information r for identifying the current route has reached the total number of routes to be calculated (rMAX). If r is less than (rMAX), the processing performed by the information processing means 380 to calculate the mileage insurance premium for the next route is S 1 022 The process branches to “r—r + 1” and performs a process of calculating the travel insurance premium for the next route such as R2.
- the processing in Fig. 27 is shown as an example executed by the information processing means 980 of the insurance server 90.
- the information processing means 380 of the in-vehicle terminal 30 can be obtained.
- the object of the present invention can be achieved by executing the processing in the information processing means 880 of the information communication server 80 or another processing device.
- FIG. 30 is a flowchart for calculating the mileage insurance premium (Fd) in the Aa region.
- the processing performed by the information processing means 980 branches to S1200 shown in FIG. 202 ⁇ Refer to the database of “Insurance rates for each driving area” to select the driving date and time (D) in the relevant driving area Aa ”.
- the information processing means 980 refers to the contents of the driving date and time of the insurance rate database for each driving area shown in Fig. 28 and obtains the driving date and time (D) such as D1, D2, and D3. A process for selecting a section is performed. For example, if the time zone in which the vehicle 32 travels in the travel area A1 is between 7:00 and 7:00, the information processing means 980 selects D1 from the travel date and time column shown in FIG. Perform processing.
- the processing performed by the information processing means 980 refers to the information of the following S 1204 ⁇ “Driving date and time regional insurance rate”, and the corresponding region Aa and the driving date and time ( Select insurance premium (Fad) in D) "
- the information processing means 980 obtains the insurance premium (D1) for the traveled area A1 and the traveled date and time (D1) from the database of the traveled date and time regional insurance rates shown in FIG. F ad) is selected. For example, if the time zone for driving in the area A1 is between 7: 0-17:00, where the surrounding area is bright and the visibility is good, insurance premiums are calculated based on the record that accidents are rare. It is set at a relatively low price of 200.
- the insurance premium when driving in a dangerous area where the accident rate is high, such as the area A3, the insurance premium can be set higher.
- the insurance premium is set according to the driving area and time zone, the insurance premium is calculated according to the driving area of the vehicle, and the driver is notified and the driver can select a safer area and time zone. It is possible to reduce the number of accidents. In addition, the reduction in the number of accidents will allow insurance companies to reduce the total amount of insurance claims, thereby providing drivers with lower insurance premiums.
- the driving date and time regional insurance rate records information on a plurality of areas in which a vehicle travels and insurance premiums determined according to the area in association with each other. ing.
- the travel date and time regional insurance premium rate (travel region insurance premium database) records information on the date and time when the vehicle travels and the insurance premium determined according to the date and time.
- FIG. 31 is a flowchart of the halfway insurance premium display processing.
- a mileage is determined in advance, and the progress of the insurance premium is displayed for each mileage.
- a method of displaying the progress of the insurance premium, a method of displaying the progress of the insurance premium when a driver inputs a display command of the progress, and the like can be considered.
- the insurance premium calculation processing in the above three cases is described.
- Fig. 32 is a diagram showing an example of a display of the insurance premium and the progress of the running cost displayed on the display means 372 of the in-vehicle terminal 30.
- the travel plan and the current progress are displayed for tolls and fuel efficiency on toll roads.
- the calculation of the insurance premium and the running cost may be performed in the vehicle-mounted terminal 30, may be performed by the information communication server 80, or may be performed by the insurance server 90. .
- the display means 372 of the on-board terminal 30 displays 33 The driving status information shown in 3 is displayed.
- Information on driving conditions must be read from the driving condition database recorded in the insurance database 92. Calculation is performed according to and displayed.
- the traveling situation database may be provided in the insurance server 90, may be provided in the information communication server 80, or may be provided in the in-vehicle terminal 30.
- the driver wishes to examine the cause of the difference between the travel plan and the actual performance, the user selects the "To travel status evaluation” button shown in the figure and displays the travel status information. Instruct. Then, the driving condition evaluation shown in FIG. 34 is displayed on the display means 372 of the in-vehicle terminal 30. When the driver's confirmation of the evaluation of the driving situation is completed, the driver operates the “end” button shown in FIG. The process of displaying the premiums in progress (or the process of displaying the confirmed content) is terminated.
- the processing after S 1410 shown in FIG. 31 is processing for displaying the insurance premiums in progress on the vehicle-mounted terminal 30.
- the processing performed by the information processing means 380 of the in-vehicle terminal 30 branches to S1410, the processing performed by the information processing means 380 is the following S1412 1 ⁇ “vehicle status ”Send”.
- the information processing means 380 of the on-board terminal 30 periodically renews the insurance policy number, vehicle number, current position, current time (every 5 minutes, every hour, etc.) (Measurement time), mileage of vehicle 32, status regarding sudden braking, status regarding sudden steering (angular speed, angular acceleration, number of occurrences, etc.), maximum speed of vehicle 32, average speed, driver and passenger
- a process of transmitting the “vehicle status” composed of the seat belt wearing information and the like to the information communication server 80 via the wireless transmission / reception means 365 is performed.
- the transmission interval of the “vehicle status” may be arbitrarily set by the driver. In addition, the transmission may be performed every predetermined traveling distance such as 10 km.
- the status relating to sudden braking, sudden steering, and wearing of the seatbelt while driving is defined as the sudden braking during the sampling interval from the transmission of the previous "Vehicle Status" to the transmission of the current "Vehicle Status". It is information on whether or not there is a non-wearing condition of the seat belt during running, sudden steering, or running. Also, information such as the maximum speed of the vehicle within the sampling interval is recorded as the time when the event occurred. You may make it transmit together.
- FIG. 47 is a chart showing an example of information included in “vehicle status” transmitted from vehicle-mounted terminal 30.
- the “vehicle status” includes various information such as securities number, vehicle number, current position, current time, mileage of the vehicle, and average speed of the vehicle.
- the information processing means 380 of the in-vehicle terminal 30 determines whether or not the traveling distance of the vehicle 32 has reached a predetermined traveling distance. If it is determined that the mileage of the vehicle 32 has reached the predetermined mileage, the processing performed by the information processing means 380 is S14420, "Sending intermediate command transmission Confirmation content display command transmission" Branch to If the in-vehicle terminal 30 is not set to perform “intermediate progress display” for checking the insurance premium of the vehicle 32 at every predetermined mileage, the processing of S 1 4 14 is skipped. You may do so.
- the information processing means 380 of the in-vehicle terminal 30 reads the current time from the force render clock 390 provided in the in-vehicle terminal 30, and reads the current time. It is determined whether a predetermined time has passed. If it is determined that the current time has passed the predetermined time, the process proceeds to S144. If the in-vehicle terminal 30 is not set to perform “interim progress display” for checking the insurance premium of the vehicle 32 every time a predetermined time elapses, the process of S 14 16 is performed. You may make it skip.
- the information processing means 380 of the in-vehicle terminal 30 receives a message from the driver via the input means 370, such as an operation button, provided on the in-vehicle terminal 30. It is determined whether or not a “progress display command” or “determined content display command” has been input. If it is determined that the driver has input the "intermediate progress display command” or the "determined content display command” via the input means 370, the process proceeds to S14420-the intermediate progress display command is transmitted. Confirmation content display command transmission ”.
- the information processing means 370 of the on-board terminal 30 is a wireless transmission / reception means.
- a command to transmit an “intermediate progress display command” or “determined content display command” to calculate and display the insurance premium to the information communication server is output.
- the wireless transmission / reception means 365 provided in the in-vehicle terminal 30 transmits an “in-progress display command” or a “determined content display command” to the information communication server 80, and the information communication server 8 A process is performed to wait for information about the insurance premium to be transmitted from 0.
- the information processing means 3 80 of the in-vehicle terminal 30 is a wireless transmission / reception means.
- the information communication server 80 via the 365 communicates information about insurance premiums and the driving situation database (see Fig. 25) used to display the driving situation evaluation shown in Fig. 34 or Fig. 38.
- the information processing means 370 of the on-board terminal 30 Upon receiving information on the status of the vehicle, such as braking or overspeeding, or evaluation of driving conditions, the information processing means 370 of the on-board terminal 30 generates data for display, and receives the received insurance premium and vehicle information. A command to display the information on the evaluation of the driving situation based on the status information on the display means 372 is output.
- the display means 372 of the on-board terminal 30 displays "the progress cost in the middle” as shown in Figs. Information screen, a notification screen about the progress of "driving situation information” and "running situation evaluation” is displayed.
- the display means 372 of the on-board terminal 30 displays “traveling section selection” as shown in FIGS.
- Notification screen for fixed insurance premiums of “Confirmed cost information”, “Driving status information”, “Driving status evaluation” is displayed [0287]
- the processing performed by the information processing means 380 proceeds to S144, "End".
- the in-vehicle insurance fee display processing (or the confirmed content display processing) in the vehicle-mounted terminal 30 is terminated, and the processing returns to the original processing routine.
- the processing after S144 shown in Fig. 31 is processing for displaying the insurance fee in progress in the information communication server 80.
- the information processing means 880 of the information communication server 80 performs the traveling process at S14432.
- the received "vehicle status" is transmitted to the insurance server 90.
- the information processing means 8880 of the information communication server 80 receives S143 At 4, a “progress display command” or ⁇ confirmed content display command is transmitted to the insurance server 90.
- the information processing means 880 of the information communication server 80 transmits the insurance premium and the information shown in FIG. 4 or information about the vehicle status such as sudden braking or excessive speed described in the driving condition database (see Fig. 25) used to display the driving condition evaluation shown in Fig. 38 or driving condition evaluation etc. .
- information on travel costs such as information on tolls on toll roads, fuel cost of vehicle 32, time required from the start of travel or required time to the destination, registered driver name, HTML for generating status information such as the date and time of travel, average traveling speed, mileage, number of times of sudden braking, seatbelt wearing, etc., and displaying such various information together with other content May be generated and transmitted to the in-vehicle terminal 30.
- the processing after S 1450 shown in FIG. 31 is processing for displaying the insurance premiums in progress in the insurance server 90.
- the processing performed by the information processing means 980 of the insurance server 90 branches to S145, the processing performed by the information processing means 980 is as follows: Is recorded in the “insurance database” ”.
- the information processing means 980 of the insurance server 90 receives the information at S1452.
- the security number and vehicle number included in the “vehicle status” are read out, and the “vehicle status” information is recorded in the “insurance database” in association with the security number and the vehicle number.
- the information processing means 980 of the insurance server 90 performs the following.
- S 1 4 5 6 “Did you travel the predetermined distance?”
- S1462 “Insurance calculation process (Fr)”. Note that if it is not set to perform “intermediate progress display” for checking the insurance premium of the vehicle 32 for each predetermined traveling distance, the processing of S 1 456 may be skipped. .
- the information processing means 980 of the insurance server 90 transmits "intermediate progress" from a communication device such as the information communication server 80 via the transmission / reception means 965 of the insurance server 90. Display command ”is received.
- the information processing means 980 of the insurance server 90 includes the "running condition database” of the relevant security number and vehicle number, the "insurance rate for each running region", and the “running date and time”.
- the information about the “regional insurance rate” is read from the “insurance database” and the process of calculating the insurance premium up to the latest vehicle position is performed.
- the details of the insurance premium calculation process will be described in a subroutine after S1500 shown in FIG.
- the processing executed by the information processing means 980 of the insurance server 90 proceeds to the next S 146 4 “transmission of insurance premium”.
- the information processing means 9 8 0 is transmitted and received by the transmitting and receiving means 9 6 5 and a dedicated line
- the information on the status of the vehicle, such as sudden braking and excessive speed described in (5), or the evaluation of the running condition, etc., is also transmitted to the in-vehicle terminal 30 via the information communication server 80.
- the processing executed by the information processing means 980 proceeds to the next step S1466 "END", and the insurance premiums display processing in the insurance server 90 is terminated. Return to the original processing routine.
- S1500 and subsequent steps shown in Fig. 39 are a flowchart of a subroutine for calculating a predetermined route insurance premium (Fr).
- the processing performed by the information processing means 980 of the insurance server 90 proceeds to S1462 shown in FIG. 31, the processing performed by the information processing means 980 is S150 shown in FIG. 0
- the process branches to “predetermined route insurance premium calculation processing (Fr)”, and proceeds to the next step S 1502 “Read out the running status database of the specific security number from the insurance database”.
- the insurance server 90 executes the process of calculating the predetermined route premium, but the present invention is limited to the example executed by the insurance server 90. Instead, the object of the present invention can be achieved even when executed by the information communication server 80, the in-vehicle terminal 30, or other communication devices.
- the information processing means 980 sends the "running status" of the specific securities number corresponding to the vehicle for which the "in-progress display command” or “confirmed content display command” has been issued from the insurance database 92. Database ”.
- the “driving situation database” contains “scheduled driving date and time”, “scheduled driving area”, “driving results”, "information on whether or not the vehicle is driving", and “latest driving position”. , "Sudden brake status", “sudden steering status”, “speed status”, “seat belt status” and other information.
- the information processing means 980 sets the "running date and time” for each region from the "running results” in the "running state database", and a flag indicating that the vehicle has been driven or is running.
- route A1 indicates Tokyo, and A2 indicates Chiba Prefecture.
- A1 may be classified as a suburban road, and A2 may be classified as an urban area where accidents are relatively common.
- S1510 is a subroutine for calculating the mileage insurance premium (Fd) in the Aa region. Details of the processing are described after S 1200 shown in FIG.
- S1512 is a subroutine for calculating a rapid braking charge (Fb) in the Aa region. Details of the processing are described in FIG. 40 after S1600.
- S1514 is a subroutine for calculating a sharp steering wheel charge (Fh) in the Aa region. Details of the processing are described in FIG. 41 after S1700.
- the next S 156 is a subroutine that calculates the overspeed charge (Fv) for the Aa region. Details of the processing are described in FIG. 42 after S1800. [0318] The following S1518 is a subroutine for calculating the seatbelt surcharge (Fs) in the Aa area. Details of the processing are described in Figure 43 on and after S1900
- the information processing means 980 performs the process. Goes to S1520 “Rr route insurance premium accumulation processing (Fra)”, and integrates the calculated additional charge to calculate the integrated predetermined route insurance premium (Fr) in the Aa area. Then, the basic insurance premium F i and the sum of the calculated predetermined regional insurance premiums F ra (cumulative insurance premiums) of all calculated areas are added to calculate the predetermined route insurance premium (F r) on the route R r. I do.
- the basic premium F i is a fixed premium that is incurred for each contract.
- the basic premium may be set to a different value depending on the driver's age, driving history, accident history, and the like.
- the information processing means 980 determines whether or not the information a identifying the current area has reached the total number (a MAX). If a is less than (a MAX), the processing performed by the information processing means 980 branches to S1524 “a—a + 1” for the purpose of calculating the mileage insurance premium for the next area. Then, in order to calculate the insurance premium in the next area such as A2, for example, add 1 to the existing a and substitute it as a new a, and return to the processing of S1508 to return to the next Aa area. For the insurance premium.
- the information processing means 980 ends the subroutine processing of the predetermined route premium (Fr), and returns to the original processing routine before the branch.
- Fig. 40 is a flowchart of a subroutine for calculating an insurance premium (Fb) for the driver performing a sudden braking operation after S1600.
- the processing performed by the information processing means 980 proceeds to S1512 shown in FIG. 39, the processing performed by the information processing means 980 is S1600 shown in FIG.
- the process then branches to “Sudden braking charge calculation process (F b)”, and proceeds to the next step S 162, “Reading the“ running situation database ”for a specific security number from the insurance database”.
- the process performed by the information processing means 980 is performed in the following S1664 ⁇ of the predetermined route Rr recorded in the "driving condition database”. Read out the sudden braking status (B sn) and its number (N) in the predetermined area Aa ”.
- the information processing means 980 generates, for example, the occurrence of a sudden brake status B sn in the area Aa of the route R1 from the "driving situation database" shown in FIG. The time, the value of the acceleration BG, and the total number (N) of events of the sudden braking operation are acquired, and the process proceeds to the next S1666 ⁇ -1.
- the information processing means 980 performs a process of substituting 1 for a variable n for identifying a sudden braking event operated in the Aa area of the Rr route.
- the subsequent processing calculates the additional premium for the first sudden braking operation.
- the process performed by the information processing means 980 includes the following S 166 “Sudden braking (B sn) based on the acceleration (BG) during sudden braking (BG). Calculate the sudden braking charge (Fbn) at the time. "Sudden braking (B sn) based on the acceleration (BG) during sudden braking (BG). Calculate the sudden braking charge (Fbn) at the time.
- the information processing means 980 reads out the calculation formula of "sudden brake additional fee Fb" recorded in the insurance rate for each driving region in the insurance database 92, and Calculates the premium Fbn of the insurance premium to be charged to the driver according to the number of times of sudden braking by the driver and the acceleration at the time of sudden braking (acceleration of deceleration) Perform processing.
- the processing performed by the information processing means 980 proceeds to the next step S 161 0 “Integrate the rapid brake additional fee (Fbn)”. .
- a prescribed insurance premium (a fixed amount such as Kb2) is applied every time the sudden braking acceleration exceeds a prescribed threshold.
- the insurance premium may be determined in proportion to the acceleration at the time of sudden braking, or the insurance premium may be determined in proportion to the square, the third power, etc. of the acceleration during sudden braking.
- the formula for calculating the sudden braking charge Fb may be set differently for each route or for each region according to the road conditions and traffic conditions.
- Reasons for adding insurance premiums due to the operation of sudden braking include reasons for the driver's carelessness and the fact that he encountered dangerous situations such as jumping out or approaching an oncoming vehicle. Based on. The insurance premium may be deducted if the driver encounters a dangerous situation due to guilty reasons and the driver can avoid the accident by appropriate braking operation.
- the information processing means 980 calculates the sum of the sudden brake charge (Fb) by integrating all the sudden brake charge (Fbn) in the Aa area.
- the process performed by the information processing means 980 is as follows: S 1612 ⁇ ⁇ ⁇ ? Proceed to judge.
- the information processing means 980 determines whether or not the ⁇ -th sudden braking operation event calculated this time has reached the total number of sudden braking operation events. If ⁇ is less than ⁇ , the processing performed by the information processing means 980 for the purpose of calculating an insurance premium for the next sudden braking operation event is S 1614 ⁇ ⁇ — ⁇ + 1 ". Then, for example, in order to calculate the insurance premium for the event of the second sudden braking operation, add 1 to the conventional a and substitute it as a new a, return to the processing of S1608, and Calculate the rapid brake charge Fbn.
- FIG. 41 is a flowchart of a subroutine for calculating insurance premium (Fh) from S1700 onward after the driver has performed a sudden steering operation.
- the information processing means 980 generates, for example, the occurrence of a sudden steering status Hsn in the area Aa of the route R1 from the "driving situation database" shown in Fig. 25.
- the time, the value of the acceleration HG, and the total number (N) of the events of the sudden steering operation are obtained, and the process proceeds to the next step S17706 ⁇ -1.
- the information processing means 980 performs a process of substituting 1 into a variable n that identifies an event of a sudden steering operated in the Aa area of the Rr route.
- the additional amount of the insurance premium is calculated for the first sudden steering operation in the subsequent processing.
- the processing performed by the information processing means 980 is as follows: Calculate the sharp steering wheel charge (F hn) at the time of sharp steering (H sn) based on the speed (HG).
- the information processing means 980 reads the calculation formula of the "hike steering wheel charge Fh" recorded in the insurance rate for each driving area in the insurance database 92, and operates the sharp steering wheel by the driver. According to the number of times and the acceleration at the time of sudden steering (or the angular velocity in one direction may be used), a process of calculating an additional fee F hn of the insurance premium charged to the driver is performed. When the calculation of the sudden handle addition fee F hn by the n-th sudden steering operation is completed, the processing performed by the information processing means 980 is as follows: S 1710 “Accumulate the rapid steering charge (F hn)” Proceed to.
- a predetermined insurance premium (a fixed amount such as Kh 2) is set every time the acceleration or angular velocity of the sharp handle exceeds a predetermined threshold. May be determined, the insurance premium may be determined in proportion to the acceleration or angular velocity at the time of sudden steering, or the insurance premium may be determined in proportion to the square of the acceleration or angular velocity at the time of sudden steering,... You may do so.
- the formula for calculating the sudden steering wheel charge Fh may be set to a different formula for each route or each region according to the road conditions and traffic conditions.
- the reason why the insurance premium is added due to the operation of the sudden steering wheel also depends on the fact that the driver is careless, or that he / she has encountered a dangerous situation such as jumping out or approaching an oncoming vehicle. Based on. In this case as well, if a dangerous situation is encountered due to the driver's guilt, and the accident can be avoided by the driver's appropriate sudden steering operation, the insurance premium may be reduced. .
- the information processing means 980 calculates the total (Fh) of the sudden handle charge by integrating all the rapid handle charge (Fhn) in the Aa area. .
- the processing performed by the information processing means 980 is as follows: S 1 7 1 2 ⁇ ⁇ ⁇ ? Proceed to judge.
- the information processing means 980 determines whether or not the ⁇ -th sudden steering operation event calculated this time has reached the total number of sudden steering operation events. If ⁇ is less than ⁇ , the next sharp steering operation For the purpose of calculating the insurance premium for the elephant, the processing performed by the information processing means 980 branches to S 17 14 ⁇ ⁇ -n + 1 ”, for example, for the event of the second sudden steering operation. To calculate the insurance premium, add 1 to the existing a, substitute it for the new a, return to the processing of S 178, and calculate the next sharp steering wheel charge F hn .
- FIG. 42 is a flowchart of a subroutine for calculating insurance premiums (Fv) for the case where the driver has exceeded the traveling speed after S1800.
- the processing performed by the information processing means 980 proceeds to S1516 shown in FIG. 39, the processing performed by the information processing means 980 is S1800 shown in FIG.
- the process branches to “Speed excess charge calculation process (F v)”, and proceeds to the next step S 1902 “Reading out“ Running condition database ”of specific security number from insurance database”.
- the information processing means 980 determines, for example, the occurrence time of the speed status Hsn in the area Aa of the route R1 from the "driving situation database" shown in FIG. Then, the value of the speed V and the total number of events (N) exceeding the speed are obtained, and the process proceeds to the next S 186 6 n — 1 ”. [0349] In S1806, the information processing means 980 performs a process of substituting 1 for a variable n that identifies an event of excessive speed that has occurred in the Aa area of the Rr route. Here, it is stipulated that in the subsequent processing, the premium is added for the first overspeed event.
- the process performed by the information processing means 980 includes the following S1808 “Overspeed addition at the time of overspeed (Vsn) based on the vehicle speed (V)”. Calculate the fee (Fvn). "
- the information processing means 980 reads the formula for the "overspeed surcharge Fv" recorded in the insurance rate for each traveling region in the insurance database 92, and calculates the number of times of overspeed and its speed. According to the above, a process of calculating an additional fee FVn of the insurance premium charged to the driver side is performed. When the calculation of the excess speed additional charge F Vn due to the n-th excess speed is completed, the processing performed by the information processing means 980 proceeds to the following S 1810 “Integrate the excess speed additional charge (Fvn)”.
- a predetermined premium may be set every time the excess speed exceeds a predetermined threshold (such as VL shown in Fig. 28).
- a constant such as Kv 1 shown in Fig. 28
- the insurance premium may be set in proportion to the square of the excess speed, the third power, ... Good.
- the formula for calculating the overspeed surcharge Fv may be set differently for each route or for each region according to road conditions, traffic conditions, speed limits, and the like.
- the reason for adding the insurance premium due to the overspeed of the vehicle 32 is based on the fact that overspeed often causes an accident.
- the information processing means 980 calculates the total (Fv) of the overspeed surcharges by integrating all the overspeed surcharges (Fvn) in the Aa area.
- the processing performed by the information processing means 980 includes the following S 1812 ⁇ ⁇ ⁇ ? Proceed to judge.
- the information processing means 980 determines whether or not the ⁇ -th overspeed event calculated this time has reached the total number of overspeed events ⁇ . . If n is less than N, the processing performed by the information processing means 980 for the purpose of calculating an insurance surcharge for the next overspeed event is S 1 8 1 4 ⁇ n— n + 1 ”, for example, in order to calculate the insurance premium for the second overspeed event, add 1 to the existing a and substitute it as a new Returning to the processing, the next processing for calculating the excess speed additional charge FV n is performed.
- FIG. 43 is a flowchart of a subroutine for calculating an insurance premium (F s) due to the fact that the driver does not wear a seat belt after S1900.
- F s an insurance premium
- the present invention is not limited to the example executed by insurance server 90, but is executed by information communication server 80, in-vehicle terminal 30, and other communication devices. Even in such a case, the object of the present invention can be achieved.
- the information processing means 980 determines, for example, the seatbelt status Ssn in the area Aa of the route R1 from the "driving situation database" shown in FIG. And the total number of people (N) Then, the process proceeds to the next S 1906 ⁇ n — 1 ”.
- the information processing means 980 performs a process of substituting 1 into a variable n for identifying a seatbelt non-wearing state or the number of persons that has occurred in the Aa area of the Rr route.
- the additional processing of the premium for the first state where the seat belt is not fastened is calculated in the subsequent processing.
- the information processing means 980 reads out the calculation formula of the "seat belt additional fee Fs" recorded in the insurance database 92 in the insurance rate for each traveling area, A process is performed to calculate the additional fee F sn of the insurance premium to be charged to the driver according to the number of times or number of wearing.
- the processing performed by the information processing means 980 proceeds to the following S 1910 “Integrate the seatbelt additional charge (Fsn)”.
- the premium for non-seat belts the person who does not wear a seat belt is a driver, a passenger on the passenger seat, or a passenger on the back seat.
- a predetermined insurance premium (such as Ks 1 shown in Fig. 28) may be determined depending on whether there is any, or the insurance premium may be determined based on the information on the non-wearing of the seat belt and the traveling speed of the vehicle 32. Good.
- the information processing means 980 adds up all the seatbelt charge (Fsn) in the Aa area, and calculates the sum of the seatbelt charge (Fs). When the process of calculating the total sum of the seatbelt charge is completed, the information processing means 980 adds up all the seatbelt charge (Fsn) in the Aa area, and calculates the sum of the seatbelt charge (Fs). When the process of calculating the total sum of the seatbelt charge is completed, the information processing means
- the information processing means 980 determines whether the ⁇ th seatbelt non-attached state calculated this time has reached the total number of seatbelt non-attached states ⁇ . ing. If ⁇ is less than ⁇ , the processing executed by the information processing means 980 for the purpose of calculating an insurance premium for the next non-fastened state of the seat belt is S 191 4 ⁇ — ⁇ + 1. Branch to, for example, the second sheet To calculate the insurance premium for the non-belt state, add 1 to the existing a and substitute it for a new a, return to the processing of S1908, and add the next seat belt Perform the calculation process of the fee F sn.
- Fig. 44 is a chart showing an example of insurance premiums recorded in the insurance premium database for each contract and each month.
- the travel plan condition input processing shown in S600 and thereafter in FIG. 19 is completed and travel costs are calculated, information on the travel schedule costs is recorded in the insurance premium database shown in FIG.
- the amount of the invoice is sent to the financial institution server at a predetermined time (monthly, weekly, etc.) along with the details listed in the insurance premium database. I believe.
- the insurance premium database is generated for each security number for identifying an insurance contract and for each month.
- the present invention is not limited to this classification, and each vehicle is The object of the present invention can be achieved even if an insurance premium database is created for each driver.
- Fig. 45 is a chart illustrating information on insurance contracts recorded in the insurance contract database.
- FIG. 46 is a chart exemplifying information recorded in the driver database.
- FIG. 47 is a chart illustrating information included in “vehicle status” transmitted from vehicle-mounted terminal 30.
- the information processing means 3 80 of the on-board terminal 30 transmits the vehicle status shown in the same figure periodically, every fixed distance, or according to the driver's instruction, and transmits / receives the wireless transmission / reception means 365 Is transmitted to the information communication server 80 via.
- Fig. 48 is a diagram showing a display transition at the time of driver registration displayed on the display means of the on-board terminal at the time of driver registration.
- the person who registers the driver selects the “Auto insurance driver registration procedure” button on the automobile insurance menu screen displayed on the in-vehicle terminal 30.
- the driver selects the “Auto Insurance Driver Registration Procedure” button, the next screen displays the Auto Insurance Driver Registration Procedure screen. Select the “Next” button.
- the registered driver 1 input screen is displayed. Enter the name, date of birth, and gender, and select "OK”.
- the personal identification information registration screen is displayed. Register the identification information in the personal authentication device (license reader, fingerprint authentication device, iris authentication device, etc.).
- buttons "No” the registration is completed, a message to that effect is displayed, and the name, date of birth, and gender of the registered driver 1 are displayed. If "Yes” button is selected, the registered driver 2 input screen is displayed. Enter the name, date of birth, and gender as in the case of inputting registered driver 1, and select "OK” button. .
- the personal identification information registration screen is displayed, and the identification information is registered in the personal authentication device (license reader, fingerprint authentication device, iris authentication device, etc.).
- Fig. 49 is a diagram showing a display transition at the time of cost simulation displayed on the display means of the vehicle-mounted terminal at the time of insurance cost simulation.
- the person performing the cost simulation selects the "cost simulation” button on the automobile insurance menu screen displayed on the in-vehicle terminal.
- the cost simulation menu screen is displayed.
- Select the "drive plan condition input” button selects the “input travel plan condition” button.
- the travel plan condition input screen is displayed, and the current time, the year and month of the scheduled travel time, and the time (mouth-to-mouth) are input.
- select "OK” button select "OK" button.
- the cost based on the travel plan is displayed, and the cost simulation ends. If the “Yes” button is selected, the driving route input screen of the driving plan condition input screen for route 2 is displayed. Enter the place name through which the driving route passes.
- the travel route input screen of the travel plan condition input screen for route 3 is displayed. Perform the same operation as for route 2. The above-described driving route input operation is repeated until the confirmation of the driving route desired for the simulation is completed.
- Fig. 50 is a diagram showing a display transition at the start of driving, which is displayed on the display means of the vehicle-mounted terminal when the driver is authenticated.
- the registered driver verification screen is displayed. Enter the identification information into the personal authentication device (license reader, fingerprint authentication device, iris authentication device, etc.).
- Fig. 51 is a diagram showing a display transition of "intermediate elapsed cost / during display of travel status data" in which insurance premiums and travel costs are displayed on the display means of the in-vehicle terminal.
- the person who displays the progress cost / running status data selects the "cost simulation” button on the car insurance menu screen displayed on the in-vehicle terminal.
- the cost simulation menu screen is displayed.
- a driving category selection screen is displayed, and a list of the driving route and the date and time of actual driving is displayed.
- the driver selects the route (route) for which the halfway running cost is to be calculated, and selects the “Next” button in the driving section selection screen.
- the halfway cost information screen is displayed, and the cost up to the middle of traveling is displayed. After confirming the displayed contents, the driver selects the “Go to driving status information” button in the midway cost information screen.
- a driving status information screen is displayed, and driving status information such as a registered driver, driving date and time, and average driving speed are displayed.
- driving status information such as a registered driver, driving date and time, and average driving speed are displayed.
- FIG. 52 is a diagram showing a display transition of "determined cost at the end of traveling / during display of traveling status data" in which insurance premiums and traveling costs are displayed on the display means of the vehicle-mounted terminal.
- the driving status information screen is displayed, and driving status information such as the registered driver, the driving date and time, and the average driving speed are displayed. Further, if there is a difference between the confirmed cost and the simulated planned cost, it is preferable to display the driving condition evaluation by selecting the “To driving condition evaluation” button in the driving condition information screen.
- the driving condition evaluation screen is displayed, and the difference between the driving plan and the actual driving and the cause thereof are displayed. If the driver wants to end the display of the driving situation evaluation screen, select the “ ⁇ End” button in the driving situation evaluation screen. If you select the “End” button, this procedure will end.
- Fig. 53 is a chart showing a description example of a driver condition database in which driver conditions such as a driver's age and grade are associated with driver condition coefficients and recorded.
- FIG. 54 is a chart showing an example of description of a rate class coefficient database in which a vehicle number and a registration year of a vehicle are recorded in association with a rate class coefficient.
- FS r Route insurance premium (planned)
- FS ra Regional insurance premium (planned)
- the insurance premium for each type of use is a constant determined by the chassis number and use of the vehicle.
- the rate class coefficient is obtained, for example, by a rate class coefficient acquiring means such as the information processing means 980 of the insurance server 90 reading the rate class coefficient database shown in FIG. Obtain the chassis number and the rate class coefficient corresponding to the year of registration of the vehicle. Then, by substituting the above (Equation 3), it becomes possible to calculate the insurance premium for each vehicle (or the insurance premium for each vehicle driven) according to the vehicle type, the use of the vehicle, and the model year. In addition, by obtaining information such as the type and year of the vehicle from the in-vehicle terminal 30, it is possible to calculate the insurance premium accurately and quickly without fail and notify the driver.
- a rate class coefficient acquiring means such as the information processing means 980 of the insurance server 90 reading the rate class coefficient database shown in FIG.
- the driver condition coefficient is obtained, for example, by reading the driver condition database shown in FIG. 53 from the insurance database 92 by the driver condition coefficient acquisition means such as the information processing means 980 of the insurance server 90.
- the driver condition coefficient corresponding to the driver condition such as the age and grade of the authenticated driver input from the in-vehicle terminal 30 or the like is acquired. Then, by substituting into the above (Equation 3), it becomes possible to calculate the driver's insurance premium (or the insurance premium for each vehicle driven) according to the driver's age and insurance grade.
- the driver conditions for the authenticated driver from the on-board terminal 30, it is possible to accurately and quickly calculate the insurance premium and notify the driver of it. It also determines whether the driver is eligible for insurance and notifies the driver. It is possible to
- ⁇ F r a '' is the basic premium for the purpose of taking into account the vehicle and driver parameters.
- variable factors are mileage insurance fee Fd, sudden brake additional fee Fb, sudden steering wheel additional fee Fh, overspeed additional fee FV, seatbelt additional fee Fs, and the like.
- the constant for each variable element is a constant such as 0.00000001, and it is possible to set a different value for each variable element.
- the driver's conditions such as the certified driver's age and grade can be adjusted. It is possible to automatically calculate the corresponding insurance premium every moment and notify the driver.
- the driver conditions relating to the authenticated driver from the in-vehicle terminal 30, it is possible to accurately and promptly calculate the insurance premium and notify the driver of the insurance premium.
- Equation 6 shows a calculation example when calculating the pay-as-you-go premium.
- the mileage (km) and the overspeed (kmZh) of the vehicle are substituted for the fluctuation amount.
- a registered driver can be determined in advance in an automobile insurance contract, and a basic insurance premium can be set for each registered driver. If non-registered drivers are also eligible for compensation, it is possible to set the basic premium for unregistered drivers.
- variable charge type that calculates and charges an insurance premium according to the actual driving situation of the driver (traveling route, traveling time zone, traveling speed, driving operation, seat belt wearing, etc.) Car insurance can be provided.
- the driver by inputting the identification information of the registered driver into the in-vehicle terminal, the driver can be specified using the personal authentication device.
- the driver is grasped by the driver collation processing, and the travel plan information (travel route, travel time zone, etc.) input to the in-vehicle terminal is based on the basic insurance premium of the driver. It is possible to predict the required insurance cost, toll road cost, fuel cost, and required time (the amount can be converted from the driver's hourly wage).
- the cost generated by the actual driving is calculated, and the details of the calculated cost and the total cost, and the data on the driving condition as a condition for the calculation are stored in the vehicle-mounted terminal. It can be displayed on the display means.
Abstract
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