WO2008038340A1 - Dispositif, procédé et programme de sortie d'informations d'assurance et support d'enregistrement lisible par ordinateur - Google Patents

Dispositif, procédé et programme de sortie d'informations d'assurance et support d'enregistrement lisible par ordinateur Download PDF

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Publication number
WO2008038340A1
WO2008038340A1 PCT/JP2006/319068 JP2006319068W WO2008038340A1 WO 2008038340 A1 WO2008038340 A1 WO 2008038340A1 JP 2006319068 W JP2006319068 W JP 2006319068W WO 2008038340 A1 WO2008038340 A1 WO 2008038340A1
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WIPO (PCT)
Prior art keywords
insurance
information
insurance information
output
trigger
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Application number
PCT/JP2006/319068
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English (en)
Japanese (ja)
Inventor
Hiroaki Shibasaki
Original Assignee
Pioneer Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Pioneer Corporation filed Critical Pioneer Corporation
Priority to JP2008536220A priority Critical patent/JPWO2008038340A1/ja
Priority to PCT/JP2006/319068 priority patent/WO2008038340A1/fr
Publication of WO2008038340A1 publication Critical patent/WO2008038340A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • Insurance information output method insurance information output device, insurance information output program, and computer-readable recording medium
  • the present invention relates to an insurance information output method for outputting insurance information, an insurance information output device, an insurance information output program, and a computer-readable recording medium.
  • an insurance information output method for outputting insurance information
  • an insurance information output device for outputting insurance information
  • an insurance information output program for outputting insurance information
  • a computer-readable recording medium for storing data
  • the use of the present invention is not limited to the above-described insurance information output method, insurance information output device, insurance information output program, and computer-readable recording medium.
  • a drive recorder that records the surrounding situation of a running vehicle is known, similar to a flight recorder mounted on an airplane.
  • a drive recorder has, for example, a front camera for photographing the front of the vehicle, a rear camera for photographing the rear, and a function of writing the front and rear images in a predetermined area of the image memory in synchronization with a reference signal.
  • recording information obtained by adding vehicle position information and time information to image memory information is regularly recorded in the buffer memory.
  • the drive recorder stores recording information for a predetermined time from the detection time in the storage memory. In this way, when encountering an incident such as a escaping incident, the recorded information stored in the storage memory can be checked to identify the escaping vehicle (for example, see Patent Document 1 below).
  • the recorded information recorded by the drive recorder is the image memory information for a predetermined time when the impact at which an impact of a predetermined value or more is detected. You can check the situation of dangerous driving and the number of dangerous driving. That is, it can be said that the recorded information recorded by the drive recorder is useful as information for determining the user's level of proficiency (driving skill level) of the vehicle on which the drive recorder is mounted.
  • Patent Document 1 Japanese Patent Application Laid-Open No. 2004-224105 Disclosure of the invention
  • the recorded information recorded by the drive recorder is only used as information for confirming the situation at the time of the accident, and the recorded information is sufficient.
  • One example is the problem of being utilized.
  • the use of recorded information includes the use of the user's superiority for the calculation of insurance premiums by an automobile insurance company.
  • insurance premiums are calculated by predicting the probability that a user will encounter an accident in the future and pay a premium based on the past accident history. ing.
  • the insurance information output method makes the behavior of the mobile object dangerous due to the output value of the sensor that detects the behavior of the mobile object.
  • the insurance information output device is a risk including the output value when the behavior of the moving body becomes dangerous due to the output value of the sensor that detects the behavior of the moving body.
  • an insurance information output program causes a computer to execute the insurance information output method according to any one of claims 1 to 4.
  • a computer-readable recording medium records the insurance information output program according to claim 6.
  • FIG. 1 is a block diagram showing an example of a functional configuration of an insurance information output apparatus according to the present embodiment.
  • FIG. 2 is a flow chart showing the contents of processing of the insurance information output apparatus according to the present embodiment.
  • FIG. 3 is an explanatory diagram showing an outline of the insurance system according to the first embodiment.
  • FIG. 4 is an explanatory diagram of communication in the insurance system according to the first embodiment.
  • FIG. 5 is a block diagram of an example of a hardware configuration of the in-vehicle terminal according to the first embodiment.
  • FIG. 6 is a block diagram of an example of a hardware configuration of the insurance server according to the first embodiment.
  • FIG. 7 is an explanatory diagram of an example of a trigger information list according to the first embodiment.
  • FIG. 8 is an explanatory diagram of an example of the superiority according to the first embodiment.
  • FIG. 9 is an explanatory diagram of an example of insurance grades according to the first embodiment.
  • FIG. 10 is a flowchart of the process contents of the in-vehicle terminal according to the first embodiment.
  • FIG. 11 is a flowchart of the process contents of the insurance server according to the first embodiment.
  • FIG. 12 is an explanatory diagram of communication in the insurance system according to the second embodiment.
  • FIG. 13 is a block diagram of an example of the hardware configuration of the DB server according to the second embodiment. Explanation of symbols
  • FIG. 1 is a block diagram showing an example of a functional configuration of the insurance information output apparatus according to the present embodiment.
  • the insurance information output device 100 includes an acquisition unit 101, a determination unit 102, and a generation unit 10.
  • the acquisition unit 101 acquires danger information including an output value when the behavior of the moving object becomes dangerous, based on the output value of the sensor that detects the behavior of the moving object.
  • the sensor that detects the behavior of the moving body may be an impact sensor that detects an impact on the moving body.
  • the behavior of the moving object becomes dangerous, for example, when the output value of the impact sensor is larger than the predetermined value! /.
  • the determination unit 102 uses the risk information acquired by the acquisition unit 101 to determine the degree of excellence regarding the use of the moving object of the insured who uses the moving object.
  • the level of excellence is, for example, information corresponding to the driving skill, driving tendency, driving proficiency, accident history, etc. of the insured for the moving object. Further, the determination unit 102 may determine the superiority of the insured person by authenticating the user of the moving object when the behavior of the moving object becomes dangerous.
  • the generation unit 103 determines the insured person's insurance according to the degree of superiority determined by the determination unit 102. Generate insurance information about the content.
  • the insurance information is, for example, information including insurance contents such as insurance premiums and insurance conditions of the insured. More specifically, for example, the generation unit 103 generates insurance information including an insurance fee estimated by setting the insurance class of the insured.
  • the output unit 104 outputs the insurance information generated by the generation unit 103. Specifically, for example, the insured may conclude an insurance contract based on the insurance information output by the output unit 104.
  • the insurance information output device 100 may perform a settlement process relating to payment of compensation for risk information to an insured person who has obtained risk information by a settlement unit (not shown). By paying the compensation in this way, the provision of risk information by the insured can be promoted.
  • FIG. 2 is a flowchart showing the contents of the process of the insurance information output apparatus according to the present embodiment.
  • the acquisition unit 101 determines whether or not the force has acquired danger information (step S201).
  • step S201 waiting for the danger information to be obtained and, if obtained (step S201: Yes), the determination unit 102 uses the danger information obtained in step S201 to move.
  • the superiority of the insured person using the body regarding the use of the moving body is determined (step S202).
  • the generating unit 103 generates insurance information related to the insurance contents of the insured person according to the degree of superiority determined in step S202 (step S203). Specifically, for example, generating insurance information may also generate insurance information including insurance charges estimated by setting the insurance class of the insured.
  • step S203 the insurance information generated in step S203 is output by the output unit 104 (step S204), and the series of processing ends.
  • the insurance contract can be optimized because the insurance information corresponding to the superiority of the insured's use of the moving object is output.
  • an insurance company can provide insurance suitable for the insured, and the insured can receive the insurance most suitable for them.
  • the risk information can be appropriately collected by promoting the provision of the risk information from the insured.
  • Example 1 of the present invention will be described.
  • it is installed in an insurance company that uses information recorded in a vehicle terminal having a drive recorder function mounted on a moving body such as a vehicle (including a four-wheeled vehicle and a two-wheeled vehicle).
  • a vehicle terminal having a drive recorder function mounted on a moving body such as a vehicle (including a four-wheeled vehicle and a two-wheeled vehicle).
  • An example when the insurance information output device of the present invention is implemented by the insurance server will be described.
  • FIG. 3 is an explanatory diagram of an outline of the insurance system according to the first embodiment.
  • the insurance system 300 includes a certification business operator 301, an insurance contractor 302, and an insurance company 303.
  • the authentication company 301 provides an authentication system to the insurance company 303, and the insurance company 303 also collects a usage fee for the authentication system.
  • the authentication system may be a system installed in an insurance server installed in the insurance company 303.
  • the usage fee may be charged in a batch or for a predetermined period or the number of usages when using the authentication system.
  • Billing according to the number of usage is performed by, for example, authenticating with a request from the insurance company installed at the insurance company 303 and sending authentication information by the authentication server installed at the authentication company 301, etc. 301 may be charged based on the log.
  • the policyholder 302 submits the trigger information to the insurance company 303 by communication or mailing a memory card. Details will be described with reference to FIG. 7, but the trigger information is, for example, insurance. It may be information recorded by an in-vehicle terminal mounted on a vehicle owned by the policyholder 302, and can be used for determination of the driving quality of the policyholder 302 by an insurance server installed in the insurance company 303.
  • the in-vehicle terminal has a configuration corresponding to the authentication system mechanism provided to the insurance company 303 by the authentication company 301, and trigger information generated by the in-vehicle terminal and a memory card storing the trigger information.
  • Authentication information can be added to the. That is, the policyholder 302 may purchase an in-vehicle terminal compatible with the authentication system from the authentication company 301.
  • the insurance company 303 authenticates the trigger information submitted by the policyholder 302, and if the information can be reflected in the premium estimate for the next fiscal year, the insurance company 303 gives the policyholder 302 an information offer discount. provide. That is, the policyholder 302 can receive an appropriate premium estimate by submitting his / her trigger information, and can receive a discount as compensation for providing information.
  • FIG. 4 is an explanatory diagram of communication in the insurance system according to the first embodiment.
  • an in-vehicle terminal 401 is mounted on a vehicle used by the policyholder 302 shown in FIG. 3, and has a drive recorder function.
  • the in-vehicle terminal 401 is connected to the insurance server 402 via a network 410 such as the Internet, and can transmit and receive various types of information.
  • the in-vehicle terminal 401 transmits trigger information recorded by the drive recorder function to the insurance server 402.
  • the in-vehicle terminal 401 may have a configuration in which, for example, instead of transmitting the trigger information, the memory card in which the trigger information is recorded is mailed and submitted to the insurance company 303 in which the insurance server 402 is installed. As a result of transmitting the trigger information, insurance information output from the insurance server 402 can be received.
  • the insurance information may be, for example, information including insurance contents such as an insurance grade and an insurance fee, such as an estimate of an insurance premium for the next year for the insurance of the policyholder 302. Then, the policyholder 302 can check the insurance information and decide whether or not to have an insurance contract.
  • the in-vehicle terminal 401 transmits the contract information and authentication information registered by the policyholder 302.
  • the in-vehicle terminal 401 is configured to receive insurance information.
  • any other communication device may be used as long as the insurance contractor 302 can confirm the insurance information. Therefore, it may be received.
  • contract information and authentication information may be transmitted by other communication devices instead of being transmitted from the in-vehicle terminal 401.
  • the insurance server 402 authenticates whether or not the trigger information received from the in-vehicle terminal 401 is correct information, and determines the degree of superiority. Details will be described with reference to FIGS. 8 and 9, but the insurance grade is determined based on the determined superiority, and the insurance information is transmitted to the in-vehicle terminal 401.
  • the insurance server 402 pays the compensation to the policyholder 302 that provided the trigger information. It is good. The consideration may be paid by, for example, discounting the insurance fee when the policyholder 302 enters into a policy for the next year.
  • FIG. 5 is a block diagram of an example of the hardware configuration of the in-vehicle terminal according to the first embodiment.
  • an in-vehicle terminal 401 is mounted on a moving body such as a vehicle, and includes a CPU 501, ROM 502, RAM 503, magnetic disk drive 504, magnetic disk 505, optical disk drive 506, Optical disk 507, audio I / F (interface) 508, speaker 509, microphone 510, human power denois 511, video I / F 512, display 513, communication IZF 514, GPS unit 515, and various sensors 516 And a camera 517.
  • the components 501 to 517 are connected by a bus 520, respectively.
  • the CPU 501 governs overall control of the in-vehicle terminal 401.
  • the ROM 502 records various programs such as a boot program and an information recording program.
  • the RAM 503 is used as a work area for the CPU 501.
  • the information recording program when a trigger is detected by various sensors 516, which will be described later, the information recording program always switches over the recording destination of the vehicle running state that is always overwritten and recorded.
  • the recording destination of the driving state is, for example, an overwriting recording area in which the driving state is always overwritten.
  • a storage recording area for storing the running state when a trigger is detected, or a recording medium for overwriting recording and a recording medium for storage may be provided. Further, there may be a plurality of overwriting recording areas and overwriting recording media.
  • the trigger is determined by the CPU 501 from the various sensors 516, such as an output of the various sensors 516, which is a trigger for storing an image for a drive recorder captured by the camera 517, which will be described later.
  • a configuration in which a trigger is detected when there is an output value exceeding the threshold value may be used. For example, this threshold can be used to determine whether a contact accident or dangerous driving is possible.
  • the trigger is detected when the output of the G sensor that detects an impact on the vehicle exceeds a threshold value determined by the CPU 501.
  • trigger information described later may be recorded together with the drive recorder image.
  • the magnetic disk drive 504 controls reading and writing of data to the magnetic disk 505 according to the control of the CPU 501.
  • the magnetic disk 505 records data written under the control of the magnetic disk drive 504.
  • the magnetic disk 505 for example, HD (node disk) or FD (flexible disk) can be used.
  • the optical disk drive 506 controls reading and writing of data to the optical disk 507 according to the control of the CPU 501.
  • the optical disc 507 is a detachable recording medium from which data is read according to the control of the optical disc drive 506.
  • the optical disk 507 can use a writable recording medium.
  • the removable recording medium may be a power MO of the optical disc 507, a memory card, or the like.
  • the trigger information may be accumulated and stored based on the trigger detected by the outputs of the various sensors 516.
  • These pieces of information are recorded by the drive recorder function of the in-vehicle terminal 401, and are used as verification materials when a traffic accident occurs. Further, it may be transmitted to an insurance server 402 described later in FIG. 6 and used for insurance premium estimation.
  • the audio IZF 508 includes an audio output speaker 509 and an audio input microphone 51. Connected to 0. Audio is output from the speaker 509, and the audio received by the microphone 510 is AZD converted in the audio IZF 508. Note that sound input from the microphone 510 can be recorded on the magnetic disk 505 or the optical disk 507 as sound data.
  • Examples of the input device 511 include a remote controller, a keyboard, a mouse, and a touch panel that are provided with a plurality of keys for inputting characters, numerical values, various instructions, and the like.
  • the video IZF 512 is connected to the display 513 and the camera 517.
  • the video iZF 512 includes, for example, a graphic controller that controls the entire display 513, a buffer memory such as VRAM (Video RAM) that temporarily records image information that can be displayed immediately, and a graphic controller. It is composed of a control IC that controls display of the display 513 based on the output image data.
  • Display 513 displays an icon, a cursor, a menu, a window, or various data such as characters and images.
  • this display 513 for example, a CRT, a TFT liquid crystal display, a plasma display, or the like can be adopted.
  • the camera 517 captures an image inside or outside the vehicle.
  • the image can be either a still image or a moving image.
  • the camera 517 captures the behavior of passengers inside the vehicle, and the captured image is output to a recording medium such as the magnetic disk 505 or optical disk 507 via the image IZF512.
  • the camera 517 captures the situation outside the vehicle, and outputs the captured image to a recording medium such as the magnetic disk 505 or the optical disk 507 via the video IZF512.
  • the video output to the recording medium is overwritten and recorded as a drive recorder image.
  • the communication I / F 514 is connected to the network 410 via wireless and functions as an interface between the in-vehicle terminal 401 and the CPU 501.
  • the communication I / F 514 is further connected to a communication network such as the Internet via wireless, and also functions as an interface between the communication network and the CPU 501.
  • the GPS unit 515 uses a received wave from a GPS satellite and output values from various sensors 516 (for example, an angular velocity sensor, an acceleration sensor, a tire rotation number, etc.) to be described later, Information indicating the point is calculated.
  • the information indicating the current location is information for specifying one point on the map information such as latitude-longitude and altitude.
  • Various sensors 516 are a vehicle speed sensor, an acceleration sensor, a G sensor, an angular velocity sensor, and the like, and their output values are used for calculation of the current position by the GPS unit 515 and measurement of changes in speed and direction. It is done.
  • the various sensors 516 output an odometer, a speed change amount, an azimuth change amount, and the like. Based on this output value, it is possible to analyze dynamics such as sudden braking and sudden handling.
  • the various sensors 516 also include sensors that detect each operation of the vehicle by the driver. For example, each operation of the vehicle may be detected by detecting a steering operation, a winker input, an accelerator pedal depression, a brake pedal depression, or the like. Also, the output value of various sensors 516 may be data recorded by the drive recorder function.
  • the drive recorder image is stored in the magnetic disk 505, the optical disk 507, or the like. It is good.
  • the trigger is, for example, a trigger for storing an image for a drive recorder.
  • the trigger may be configured to use an output of various sensors 516 that exceeds a predetermined threshold or an output that approximates a predetermined pattern.
  • the trigger according to the first embodiment is configured to be set lower than, for example, a trigger for recording a normal drive recorder image. In other words, this does not activate the drive recorder function, but detects a trigger that is useful for materials that determine the skill of the driver. Etc. can be performed accurately.
  • triggers in various sensors 516 may be set when vibrations exceeding a specified level or a predetermined vibration pattern are detected by a vibration sensor.
  • the predetermined vibration pattern may be a vibration pattern showing an abnormality such as a sudden rise.
  • the trigger may be set, for example, when the G sensor detects a G exceeding a specified value or a predetermined G force pattern.
  • the predetermined G force may be any pattern that shows an abnormality, such as a sudden rise.
  • it may be configured to use the contact sensor of the vehicle body as a trigger for the presence or absence of contact with the other, the operation of the air nog, or the stop of the vehicle.
  • multiple triggers can be combined. Good.
  • FIG. 6 is a block diagram of an example of a hardware configuration of the insurance server according to the first embodiment.
  • an insurance server 402 is installed in an insurance company 303 that provides vehicle insurance and the like, and includes a CPU 601, ROM 602, RAM 603, magnetic disk drive 604, magnetic disk 605, and optical disk drive. 606, an optical disc 607, an audio iZF (interface) 608, a speaker 609, an input device 610, a video IZF 611, a display 612, and a communication IZF 613. Further, each component 601 to 613 is connected by a bus 620.
  • the CPU 601 governs overall control of the insurance server 402.
  • the ROM 602 records various programs such as a boot program, an insurance information generation program, and an authentication program.
  • the RAM 603 is used as a work area for the CPU 601.
  • the insurance information generation program generates insurance information of the policyholder 302 based on trigger information transmitted from the in-vehicle terminal 401 by communication IZF613 described later. Details will be described with reference to FIGS. 10 and 11.
  • the insurance information is information including insurance contents such as an insurance grade and a premium determined by determining the superiority of the policyholder 302.
  • the authentication program causes the insurance contractor 302 to be authenticated. Specifically, for example, the authentication authenticates whether or not the trigger information transmitted from the in-vehicle terminal 401 is information of the policyholder 302 who contracts insurance.
  • the magnetic disk drive 604 controls reading and writing of data with respect to the magnetic disk 605 according to the control of the CPU 601.
  • the magnetic disk 605 records data written under the control of the magnetic disk drive 604.
  • the magnetic disk 605 for example, HD (node disk) or FD (flexible disk) can be used.
  • the optical disk drive 606 controls reading and writing of data from and to the optical disk 607 according to the control of the CPU 601.
  • Optical disc 607 is an optical disc drive This is a detachable recording medium from which data is read according to the control of 606.
  • the optical disk 607 can also use a writable recording medium.
  • the removable recording medium may be an MO, a memory card, or the like.
  • the insurance server 402 performs authentication of the policyholder 302 and generation of insurance information based on the information regarding the policyholder 302 and the insurance contract.
  • the audio IZF 608 is connected to an audio output speaker 609, and audio is output from the speaker 609.
  • the input device 610 includes a remote controller, a keyboard, a mouse, a touch panel, and the like provided with a plurality of keys for inputting characters, numerical values, various instructions, and the like.
  • the video IZF 611 is connected to the display 612. Specifically, the video IZF611 is output from, for example, a graphic controller that controls the entire display 612, a buffer memory such as VRAM (Video RAM) that temporarily records image information that can be displayed immediately, and a graphic controller. It is configured by a control IC that controls display of the display 612 based on image data.
  • a graphic controller that controls the entire display 612
  • a buffer memory such as VRAM (Video RAM) that temporarily records image information that can be displayed immediately
  • VRAM Video RAM
  • Display 612 displays an icon, a cursor, a menu, a window, or various data such as characters and images.
  • a CRT, a TFT liquid crystal display, a plasma display, or the like can be adopted as the display 612.
  • the communication I / F 613 is connected to the network 410 via wireless and functions as an interface between the insurance server 402 and the CPU 601.
  • the communication I / F 613 is further connected to a communication network such as the Internet via radio, and functions as an interface between the communication network and the CPU 601.
  • the acquisition unit 101, the determination unit 102, the generation unit 103, and the output unit 104 included in the insurance information output device 100 illustrated in FIG. 1 are the ROM 602, the RAM 6003, and the magnetic field in the insurance server 402 illustrated in FIG.
  • the CPU 601 executes a predetermined program using the programs and data recorded on the disc 605, the optical disc 607, etc., and controls each part in the insurance sano 02 to realize its function. That is, the insurance sano 02 of the first embodiment executes the program recorded in the ROM 602 as a recording medium in the insurance sano 02, so that the insurance information output device 100 shown in FIG.
  • the provided functions can be executed according to the procedure shown in FIG.
  • FIG. 7 is an explanatory diagram of an example of a trigger information list according to the first embodiment.
  • the trigger information list 700 includes the trigger type, trigger value, detection date, detection point, weather, and the like.
  • the trigger information list 700 is read out as necessary even in a configuration generated for each of a plurality of drivers, and is used for determination processing and output (display) processing.
  • the trigger type is, for example, a trigger set for various sensors 516 such as a G sensor, and there may be a plurality of triggers.
  • the trigger value is a numerical value of the trigger at the time when the trigger is detected, and may be a numerical table or a graph showing the transition of the numerical value before and after the detection.
  • the trigger value may be managed by dividing the trigger level for each rank.
  • the date of detection may include IJ.
  • the detection point in the trigger information list 700 is indicated by latitude and longitude, it may be configured to indicate features of road shapes such as intersections, railroad crossings, curves and curvature of curves, and addresses.
  • the feature of the road shape may be obtained by analyzing map information recorded on a recording medium or an image photographed by the camera 517.
  • the weather may be acquired from the wiper operation status or weather information on the Internet.
  • FIG. 8 is an explanatory diagram of an example of the superiority according to the first embodiment.
  • the superiority table 800 shows the superiority and the calculation period, and the insurance server 402 performs the determination.
  • the determination of the superiority is classified into one of a plurality of ranks based on information such as the type of trigger and the number of triggers, for example, using the trigger information list 700 shown in FIG. It is good as well.
  • the classification of superiority may be, for example, A, B, C ' ⁇ ', Excellent, good, or acceptable.
  • the degree of excellence is determined by the number of triggers within a predetermined period, the total number of triggers multiplied by a coefficient according to the rank of the trigger within a predetermined period, and the importance within a predetermined period.
  • a configuration may be used in which the degree of excellence is determined according to the presence or absence of a trigger value that may lead to an accident.
  • the determination of the degree of excellence may be made according to the number of times of triggering in the vicinity of the intersection or at a curve having a predetermined curvature or more, if the number is not small, the degree of excellence may be determined high (the driving skill is high). In addition, according to the number of triggers in the vicinity of an intersection or on a normal road that is not a curve with a curvature higher than a predetermined value, if the number of times is high, the level of quality is judged to be low (the driving tendency is rough). Good. Furthermore, the determination of the degree of excellence may be made using the number of triggers in normal times excluding rainy weather and the number of triggers in rainy weather.
  • the determination of the degree of superiority may be performed by, for example, authenticating the driver and, if the driver is an insurance contractor 302, using the number of driving times, the driving distance, or the like. Specifically, for example, it is possible to make a determination based on the trigger occurrence rate according to a predetermined driving distance.
  • the calculation period is determined by the insurance company 303 at the time of determination, and the degree of excellence in the specified calculation period is determined. Further, a plurality of policyholders 302 may be determined from a list. In the first embodiment, the determination of the superiority is performed by the insurance server 402, but may be performed by the in-vehicle terminal 401. In this case, the in-vehicle terminal 401 transmits the degree of quality instead of transmitting the trigger information to the insurance server 402.
  • FIG. 9 is an explanatory diagram of an example of the insurance grade according to the first embodiment.
  • the insurance grade table 900 shows the grades of superiority and the insurance grades associated with the grades of superiority, and is recorded on a recording medium such as the magnetic disk 605 or optical disc 607 in the insurance sano 02 shown in FIG. It is recorded. That is, the insurance server 402 can determine the insurance class of the policyholder 302 by referring to the determined superiority and the insurance class table 900.
  • the insurance class table 900 may be preliminarily set by the insurance company 303, and the insurance server 402 includes premiums and insurance discount rates depending on the determined insurance class. Insurance information can be generated. [0091] As described above, by determining the insurance class using the insurance class table 900 associated with the policyholder 302's superiority, the insurance class can be improved regardless of the driving skill such as a paper driver. Can be prevented. In other words, even if the accident-free period is long, if the driving is not good, the level of superiority will be low, so the insurance class will be improved to a certain level, and it will be possible to generate appropriate insurance information for the policyholder 302. it can. More specifically, for example, the insurance class is usually 1 if there is no accident for a long period of time, but the insurance class is 8 if the grade is C.
  • each table shown in FIGS. 7 to 9 (trigger information list 700, superiority table 800, insurance grade table 900) is not altered. In order to prevent this, data protection such as encryption may be performed. In this way, fraud can be prevented and appropriate insurance information can be generated.
  • FIG. 10 is a flowchart showing the processing contents of the in-vehicle terminal according to the first embodiment.
  • the in-vehicle terminal 401 first determines whether or not the vehicle equipped with the in-vehicle terminal 401 has traveled for a predetermined period (step S1001). The determination regarding the running of the vehicle may be made with reference to the outputs of the various sensors 516, for example. Further, the predetermined period may be the calculation period shown in FIG. 8 or the insurance contract renewal interval which may be set by the policyholder 302 or the insurance company 303 who is the user of the vehicle.
  • step S1001 waiting for the vehicle to travel for a predetermined period and traveling for a predetermined period (step S1001: Yes), the CPU 501 generates trigger information for traveling for a predetermined period (step S 1002). ).
  • the trigger information is generated using, for example, a drive recorder image or a trigger value recorded on a recording medium such as the magnetic disk 505 or the optical disk 507.
  • step S1003 the trigger information generated in step S1002 is output to the insurance server 402 by the communication IZF 514 (step S1003).
  • the trigger information is output by the communication I / F 514.
  • the trigger information output to the display 513, the speaker 509, or a removable recording medium is output.
  • the insurance policyholder 302 who is the user of the vehicle may submit the information to the insurance company 303.
  • step S1003 it is determined whether or not the insurance information output from insurance server 402 has been acquired through communication IZF 514 (step S 1004).
  • the input from the insurance contractor 302 who is the vehicle user may be received by the force input device 511 that has acquired the insurance information via the communication IZF514.
  • step S1004 waiting for insurance information to be acquired, and if acquired (step S1004: Yes), the CPU 501 determines whether or not to make a contract according to the insurance information ( Step S 1005).
  • the decision whether or not to make a contract may be, for example, a configuration in which the policyholder 302 who is a vehicle user determines by confirming insurance information or a configuration in which the determined content is input by the input device 511! /.
  • step S 1005 If a contract is made in step S 1005 (step S 1005: Yes), the credit card information is input from the input device 511, and the insurance premium corresponding to the contract is paid to the insurance company 303 via the communication IZF 514. Pay (step S 1006) and finish the process
  • step S1005 If no contract is made in step S1005 (step S1005: No), the series of processing ends.
  • step S1001 to step S1003 the trigger information for the driving for a certain period is configured to be output (submitted) to the insurance server 402. It is also possible to output (submit) every ONZOFF of the engine (per drive), weekly or monthly. In that case, the insurance server 4002 accumulates and saves the received trigger information for each policyholder 302 and uses it collectively when renewing the insurance contract.
  • the processing in steps S1004 to S1006 is performed by the in-vehicle terminal 401. It may be configured to give and receive and contract. In other words, using the vehicle trigger information, the policyholder 302 and the insurance company 303 exchange directly. If it is a structure that negotiates and contracts insurance.
  • FIG. 11 is a flowchart showing the contents of the processing of the insurance server according to the first embodiment.
  • the insurance server 402 determines whether or not trigger information has been acquired from the in-vehicle terminal 401 through the communication IZF 613 (step S 1101).
  • the trigger information may be acquired by accepting submission from the policyholder 302.
  • step S1101 waiting for acquisition of trigger information, and when acquiring the trigger information (step S1101: Yes), the CPU 601 authenticates the user (step S1102).
  • step S1102 For lj user authentication, for example, the policyholder 302 is authenticated for the user of the vehicle (in-vehicle terminal 401) that outputs the trigger information. Based on the information, the configuration can be done! /.
  • the CPU 601 uses the trigger information acquired in step S1101 to determine the level of superiority of the policyholder 302 who is the authenticated user in step S1102 (step S1103). .
  • the insurance information for the policyholder 302 who is the user of the vehicle is generated by the CPU 601 based on the superiority determined in step S1103 (step S1104).
  • step S1104 the insurance information generated in step S1104 is output to in-vehicle terminal 401 by communication IZF613 (step S1105).
  • the insurance information is output to the in-vehicle terminal 401 by communication I ZF613.
  • the information is output so that the policyholder 302 who is the user of the vehicle (in-vehicle terminal 401) can confirm. do it. Specifically, for example, it may be printed out on paper and mailed.
  • step S1106 determines whether or not an insurance contract is made with the policyholder 302 as a result of outputting the insurance information in step S1105 (step S1106).
  • the contract may be judged by accepting input of contract information by the input device 610 or the communication IZF613.
  • step SI 106 Yes
  • step SI 106 Yes
  • step SI 106 Yes
  • step SI 106 Yes
  • step SI 106 Yes
  • step SI 106 Yes
  • the insurance premium in the insurance information generated in step S1104 is output to the in-vehicle terminal 401 by communication IZF6 13 (step S 1107).
  • a series of processing ends.
  • the flow chart in FIG. 11 is configured to output the insurance premium to the in-vehicle terminal 401. However, it may be output so that the insurance contractor 302 who is the user of the vehicle (in-vehicle terminal 401) can confirm. Specifically, for example, it may be printed out on paper and mailed.
  • step S1106 If no contract is made in step S1106 (step S1106: No), the series of processing ends.
  • a power insurance contract that is not described in the flowchart of FIG. 11 it may be possible to generate insurance information with a new family-specific condition and change the plan to prompt the contract.
  • the insurance company can conclude an insurance contract based on the insurance information generated according to the policyholder's superiority.
  • the policyholder can generate the optimal insurance information, and the policyholder can make the optimal policy.
  • policyholders can receive appropriate protection through optimal insurance and can protect the order of the automobile society.
  • the user can receive a discount on the insurance contract for providing the trigger information.
  • Insurers can also increase the number of policyholders by providing insurance discounts.
  • Example 2 of the present invention will be described.
  • the authentication by the insurance server 402 described in the first embodiment is performed by the DB server installed in the authentication provider 301 shown in FIG.
  • the outline of the insurance system 300 according to the second embodiment is almost the same as in FIG. 3, the hardware configuration of the in-vehicle terminal 401 is almost the same as that in FIG. 5, and the hardware configuration of the insurance sano 02 is almost the same as FIG.
  • the explanation is omitted.
  • the summary of trigger information is the same as in Fig. 7, the overview of superiority is the same as in Fig. 8, and the overview of insurance grades is the same as in Fig. 9.
  • FIG. 12 is an explanatory diagram of communication in the insurance system according to the second embodiment.
  • the same components as those in FIG. 4 are denoted by the same reference numerals and description thereof is omitted.
  • the DB server 1201 is installed in the authentication company 301 shown in FIG. 3, and is connected to the vehicle-mounted terminal 401 and the insurance Sano O 2 via the network 410 such as the Internet. Various types of information can be sent and received.
  • the in-vehicle terminal 401 transmits trigger information recorded by the drive recorder function to the DB server 1201. Further, the in-vehicle terminal 401 may be configured such that, instead of transmitting the trigger information, the memory card in which the trigger information is recorded is mailed and the DB server 1201 is installed and submitted to the authentication company 301. Yo ...
  • the DB server 1201 acquires the trigger information transmitted from the in-vehicle terminal 401 and authenticates it.
  • the trigger information is authenticated by, for example, authenticating the policyholder 302 who owns the in-vehicle terminal 401 that has transmitted the trigger information, or authenticating whether the trigger information is correct or not.
  • the DB Sano 1201 outputs authenticated trigger information in response to access from the insurance server 402 installed in the insurance company 303, and obtains compensation for the trigger information provided from the insurance company 303.
  • the insurance server 402 determines the insurance grade based on the superiority and transmits the insurance information to the in-vehicle terminal 401. In this manner, the in-vehicle terminal 401 can receive the insurance information output from the insurance server 402 as a result of transmitting the trigger information.
  • the insurance server 402 provides the policyholder 302 who provided the trigger information. It is good also as paying compensation for. The consideration may be paid by, for example, discounting the insurance premium when the policyholder 302 enters into the insurance contract for the next year. In other words, policyholder 302 may register in this insurance system instead of benefiting from discounted insurance premiums.
  • FIG. 13 is a block diagram of an example of the hardware configuration of the DB server according to the second embodiment.
  • the DB server 1201 is installed in the authentication company 301 shown in FIG. 3, and includes a CPU 1301, ROM 1302, RAM 1303, magnetic disk, live 1304, magnetic disk 1305, and optical disk.
  • a drive 1306, an optical disc 1307, an audio I / F (interface) 1308, a speaker 1309, a human power device 1310, a video I / F 1311, a display 1312, and a communication IZF 1313 are provided.
  • each of the components 1301 to 1313 is connected by a bus 1320.
  • the CPU 1301 governs overall control of the DB server 1201.
  • the ROM 1302 records various programs such as a boot program and an authentication program.
  • the RAM 1303 is used as a work area for the CPU 1301.
  • the authentication program causes the policyholder 302 to be authenticated. Specifically, for example, the authentication is performed by authenticating whether or not the trigger information transmitted from the in-vehicle terminal 401 is the information of the policyholder 302 who contracts insurance.
  • the magnetic disk drive 1304 controls the reading and writing of data to the magnetic disk 1305 in accordance with the control of the CPU 1301.
  • the magnetic disk 1305 records data written under the control of the magnetic disk drive 1304.
  • the magnetic disk 1305, for example, HD (node disk) or FD (flexible disk) can be used.
  • the optical disc drive 1306 controls the reading and writing of data to the optical disc 1307 according to the control of the CPU 1301.
  • the optical disc 1307 is a detachable recording medium from which data is read according to the control of the optical disc drive 1306.
  • a writable recording medium can be used as the optical disc 1307.
  • the removable recording medium may be the power of the optical disc 1307, an MO, a memory card, or the like.
  • DB server 1201 relates to this policyholder 302 Based on the information, the policyholder 302 is authenticated.
  • the audio IZF 1308 is connected to an audio output speaker 1309, and the audio of the speaker 1309 is output.
  • examples of the input device 1310 include a remote controller, a keyboard, a mouse, a touch panel, and the like having a plurality of keys for inputting characters, numerical values, various instructions, and the like.
  • the video IZF 1311 is connected to the display 1312. Specifically, the video IZF 1311 is output from, for example, a graphic controller that controls the entire display 1312, a buffer memory such as VRAM (Video RAM) that temporarily records image information that can be displayed immediately, and a graphic controller. This is composed of a control IC that controls the display of the display 1312 based on the image data.
  • a graphic controller that controls the entire display 1312
  • VRAM Video RAM
  • the display 1312 displays icons, cursors, menus, windows, or various data such as characters and images.
  • this display 1312 for example, a CRT, TFT liquid crystal display, plasma display, or the like can be adopted.
  • the communication I / F 1313 is connected to the network 410 via wireless and functions as an interface between the DB server 1201 and the CPU 1301.
  • the communication IZF 1313 is further connected to a communication network such as the Internet via a radio, and also functions as an interface between this communication network and the CPU 1301.
  • step S1003 shown in FIG. 10 instead of outputting trigger information to the insurance server 402, trigger information is output to the DB server 1201. It has a configuration.
  • the content of the processing of the DB server 1201 according to the second embodiment is a configuration in which step S1101 and step S1102 in FIG. 11 described in the first embodiment are performed instead of the insurance server 402.
  • the DB server 1201 acquires trigger information from the in-vehicle terminal 401
  • the CPU 1301 authenticates the user.
  • the authenticated trigger One information is transmitted in response to a request from the insurance server 402.
  • the user authentication is performed in place of the insurance sano 02, and in this way, the processing burden on the insurance sano 02 can be reduced.
  • the DB server 1201 may receive compensation for trigger information provided in response to a request from the insurance sano 02.
  • the processing contents of the insurance server 402 according to the second embodiment are substantially the same as those after step S1103 in FIG. Specifically, for example, the insurance server 4002 requests and obtains trigger information authenticated by the DB server 1201. And it is the structure which performs the determination of the quality in step S1103. In the second embodiment, the consideration may be paid to the DB server 1201 according to the trigger information acquired from the DB server 1201.
  • the insurance company's burden can be reduced by authenticating the policyholder by the certification company.
  • Example 3 of the present invention in response to the trigger information provided by the policyholder 302 described in the first embodiment, the consideration of the trigger information provided from the DB server 1201 instead of receiving insurance discounts from the insurance company.
  • the outline of the insurance system 300 according to the third embodiment is shown in FIG. 3, the hardware configuration of the in-vehicle terminal 401 is shown in FIG. 5, the hardware configuration of the insurance server 402 is shown in FIG. 6, and the hardware of the DB server 1201.
  • the hardware configuration is almost the same as that shown in FIG.
  • the outline of the trigger information is the same as that shown in Fig. 7, the outline of the superiority is almost the same as that shown in Fig. 8, and the outline of the insurance class is almost the same as that shown in Fig. 9.
  • the communication of the insurance system according to the third embodiment is almost the same as that in FIG. 12 in the second embodiment. Since the configuration is the same, a configuration different from the second embodiment will be described with reference to FIG.
  • the compensation to the authentication business operator 301 in which the DB server 1201 is installed is paid from the insurance company 303 in accordance with the access from the insurance sano 02.
  • the certification company 301 provides information to the policyholder 302 who owns the in-vehicle terminal 401 that is the source of the trigger information accessed from the insurance server 402, from a part of the consideration paid from the insurance company 303. Pay a fee.
  • the compensation for the certification company 301 in which the DB server 1201 is installed is paid by the insurance company 303 in response to the access from the insurance company 02.
  • the certification business operator 301 pays the information provision fee to the policyholder 302 who owns the in-vehicle terminal 401 that provided the trigger information, using a part of the consideration paid from the insurance company 303 as a source. Also good.
  • the compensation for the certification company 301 in which the DB server 1201 is installed is paid from the insurance company 303 according to the insurance policy results between the policyholder 302 and the insurance company 303 in the next year. Also good.
  • the certification business entity 301 obtains the next year's insurance contract information from the insurance company 303 and informs the policyholder 302 who owns the in-vehicle terminal 401 that is the source of the trigger information used for the insurance contract of the next year. It is good also as paying an offer fee.
  • the insurance information output method described in the present embodiment can be realized by executing a prepared program on a computer such as a personal computer or a workstation.
  • This program is recorded on a computer-readable recording medium such as a hard disk, a flexible disk, a CD-ROM, an MO, or a DVD, and is executed by being read by the computer.
  • the program may be a transmission medium that can be distributed via a network such as the Internet.

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Abstract

La présente invention concerne une section d'acquisition (101) qui acquiert des informations de risque comprenant la valeur de sortie lorsque la valeur de sortie d'un capteur pour détecter le comportement d'un corps mobile indique que son comportement est dangereux. Une section d'évaluation (102) évalue le niveau d'excellence sur l'utilisation du corps mobile d'une personne assurée qui l'utilise à l'aide des informations de risque acquises par la section d'acquisition (101). Une section de génération (103) génère des informations d'assurance sur le contenu d'assurance de la personne assurée en fonction du niveau d'excellence évalué par la section d'évaluation (102). Une section de sortie (104) produit les informations d'assurance générées par la section de génération (103).
PCT/JP2006/319068 2006-09-26 2006-09-26 Dispositif, procédé et programme de sortie d'informations d'assurance et support d'enregistrement lisible par ordinateur WO2008038340A1 (fr)

Priority Applications (2)

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JP2008536220A JPWO2008038340A1 (ja) 2006-09-26 2006-09-26 保険情報出力方法、保険情報出力装置、保険情報出力プログラムおよびコンピュータに読み取り可能な記録媒体
PCT/JP2006/319068 WO2008038340A1 (fr) 2006-09-26 2006-09-26 Dispositif, procédé et programme de sortie d'informations d'assurance et support d'enregistrement lisible par ordinateur

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Cited By (3)

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Publication number Priority date Publication date Assignee Title
US11226209B2 (en) 2018-12-03 2022-01-18 Toyota Jidosha Kabushiki Kaisha Information processing system, program, and control method
US11479259B2 (en) 2018-12-03 2022-10-25 Toyota Jidosha Kabushiki Kaisha Information processing system, program, and control method
US11491993B2 (en) 2018-12-03 2022-11-08 Toyota Jidosha Kabushiki Kaisha Information processing system, program, and control method

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JPH11511581A (ja) * 1996-01-29 1999-10-05 プログレッシブ カジュアルティ インシュアランス カンパニー 保険料を決定するための自動車監視システム
JP2006244344A (ja) * 2005-03-07 2006-09-14 Nec Corp 自動車保険情報システム、交通情報システム及び自動車保険情報収集方法

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Publication number Priority date Publication date Assignee Title
JPH11511581A (ja) * 1996-01-29 1999-10-05 プログレッシブ カジュアルティ インシュアランス カンパニー 保険料を決定するための自動車監視システム
JP2006244344A (ja) * 2005-03-07 2006-09-14 Nec Corp 自動車保険情報システム、交通情報システム及び自動車保険情報収集方法

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11226209B2 (en) 2018-12-03 2022-01-18 Toyota Jidosha Kabushiki Kaisha Information processing system, program, and control method
US11479259B2 (en) 2018-12-03 2022-10-25 Toyota Jidosha Kabushiki Kaisha Information processing system, program, and control method
US11491993B2 (en) 2018-12-03 2022-11-08 Toyota Jidosha Kabushiki Kaisha Information processing system, program, and control method
US11623648B2 (en) 2018-12-03 2023-04-11 Toyota Jidosha Kabushiki Kaisha Information processing system, program, and control method

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