JP2001076035A - Car insurance request processing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To diversify the method of the contract of insurance according to the use frequency and the usage situation of a car by obtaining and collecting driving time in a prescribed period concerning the contracted car, integrating the driving time data, obtaining/collecting and make statistics on pass data at a place, where the vehicle drove through and executing a car insurance request processing. SOLUTION: When it is emitted that insurance is to be used (S23), car user time data and pass data, which are accumulated at every prescribed time, are ciphered by an on-vehicle unit and are sent to a center (S24). Data are decoded by the center (S25) and are recorded as raw data by individual users (S26). Data collected/make into statistics are used for sales to the accident insurance of raw data (S27) or are supplied to a rate calculation outsourcing service company (S28). Maintenance history information is supplied to the rate calculation outsourcing service company, so that it is reflected on insurance calculation as data (S29).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for collecting information on a mobile unit using a satellite communication system or another mobile communication system (terrestrial digital communication, mobile phone, DSRC, etc.).

[0002]

2. Description of the Related Art Car navigation systems for displaying the current position of a vehicle on a screen have been put to practical use and have become widespread. In recent years, communication navigation systems connecting a mobile phone and a car navigation system have been put into practical use.

The means for obtaining vehicle state information is not a real-time method, but a method in which a part of history data is created at the time of inspection of a vehicle at a dealer, and transmitted to a completed vehicle manufacturer or a vehicle parts manufacturer through wired communication or the like. .

[0004] The current vehicle insurance system adopts an annual contract fee payment system regardless of the frequency of use of the vehicle.

[0005]

As means for obtaining vehicle state information, there is a mechanism in which a dealer partially downloads historical data through a wired connection during vehicle inspection. Due to the low frequency of collection and the uncertainty of bringing in inspections to our dealers, it is difficult for finished vehicle manufacturers and parts manufacturers to conduct statistical analysis and marketing for each vehicle model, and provide feedback to the design. In addition, to collect and manage data for each vehicle model of a mobile phone, which is rapidly spreading as a mobile communication technology, it is necessary to know the telephone number of each user. There are difficulties to deliver.

In addition, since the current situation of the use of vehicles cannot be statistically grasped, non-life insurance companies have to contract annually irrespective of the frequency of use of the vehicles. Cannot pay insurance premiums according to the wide variety of needs.

Furthermore, when assessing a used car, it is a vague assessment by filling in check sheets and exchanging photographs, etc., and it is possible to ascertain whether the vehicle condition other than appearance is good or bad for the same model, same age and similar mileage. Have difficulty.

[0008] Therefore, the current vehicle state information is not continuously collected in real time, or even if it is, the information to be collected is extremely limited. It had to be said that it was small. The continuous collection of vehicle state information is an indispensable matter in the statistical analysis of the vehicle / vehicle type, and the subsequent diagnostic analysis cannot be performed without the statistics.

In view of the foregoing, the present invention collects current vehicle state information in detail and reliably in real time continuously, and performs statistics to pay insurance premiums according to the frequency of use of the vehicle and the status of use. It is an object of the present invention to provide a method for processing a vehicle insurance premium that can be performed.

[0010]

SUMMARY OF THE INVENTION According to the present invention, vehicle state information is converted into vehicle position information and other information such as vehicle control information,
It is characterized in that it is divided into vehicle part status information, vehicle body information, user information, vehicle maintenance history information, and the like, and vehicle position information is obtained and collected by a reflected signal of a signal transmitted from a antenna provided on the vehicle to an artificial satellite. Conventionally, it has been performed to obtain a vehicle position based on a reflected signal of a signal transmitted from an antenna to an artificial satellite and use it for navigation. However, the obtained vehicle position information is not collected and statistically performed.

Another feature of the present invention is that by collecting other vehicle information in accordance with the vehicle position information thus collected, it is possible to carry out statistics combining the two. . By these two means, it is possible to accumulate detailed and reliable vehicle information in real time for each vehicle, and it is possible to utilize the vehicle information for insurance premium processing of the vehicle.

According to the present invention, the driving time of a contracted vehicle within a certain period (may be one day) is obtained and collected, the driving time data is statistically obtained, and the point and area where the vehicle is driven are obtained. , By collecting and collecting passing data on travel routes (hereinafter collectively referred to as points) and performing statistical methods, it is possible to pay insurance premiums according to the frequency of use of the vehicle and the usage status It is to be. One of the important points realized by such a method is that the premium payment, which was conventionally paid in advance by an annual contract, can be postpaid in accordance with the use frequency and usage status. That is.
Of course, it is possible to revise the fee of the current contract based on such collected and statistical data.

The present invention specifically provides the following devices.

According to the present invention, there is provided a vehicle insurance claim processing method for determining an insurance premium of a vehicle in accordance with a contract with a user of the vehicle and charging the vehicle insurance premium. And collecting pass-through data for points passed by the vehicle during the operation of the vehicle, and collecting and collecting billing time data from the driving time, and insurance based on one or both of the billing time data and the passing data. The present invention provides a vehicle insurance claim processing method for setting a premium weight, displaying an insurance premium based on charging target time data, passing data, and premium weight, and performing a vehicle premium processing.

The present invention further provides a vehicle insurance claim processing method wherein the insurance premium weighting is an insurance premium rate.

In the present invention, the passing data further includes a point registered as known, a point not registered as unknown, and a point registered as an accident-prone point, and the points registered as known have low insurance premium weighting. In addition, the present invention provides a vehicle insurance claim processing method in which a non-registered point as unknown and a point registered as an accident occurrence point are set with a high insurance premium weight.

The present invention further provides a vehicle insurance claim in which other information such as vehicle control information, vehicle part status information, user information about the vehicle and the user, or maintenance history information is used for weighting the insurance premium. Provide a processing method.

The present invention further provides a vehicle insurance claim processing method in which points are calculated from time to be charged and passing data weighted by insurance premiums, and an insurance rate or insurance amount is determined based on the points.

According to the present invention, vehicle position information is obtained and collected based on a reflection signal of a signal transmitted from an antenna provided on a vehicle to an artificial satellite, and vehicle control information or vehicle component state information is obtained from the antenna provided on the vehicle. By transmitting to an artificial satellite and receiving a signal reflected by the artificial satellite, or transmitting from the vehicle via a mobile communication device such as DSRC (dedicated narrow area communication) or a mobile phone,
By collecting the individual vehicle state information by receiving the transmission signal, the vehicle information is statistically collected, and a post-payment vehicle insurance claim processing is performed based on the statistics of the vehicle information. A vehicle insurance claim processing method is provided.

According to the present invention, a vehicle position is obtained and collected by a reflection signal of a signal transmitted to an artificial satellite from an antenna provided in a vehicle, and vehicle sensor information is transmitted from the antenna provided in the vehicle to the artificial satellite. DSRC by receiving the signal reflected from the satellite or from the vehicle
(Dedicated narrow-area communication) or transmitted through a communication device such as a mobile phone, and collects individual vehicle state information by receiving the transmission signal to collect individual vehicle state information. A vehicle insurance claim processing method is provided in which individual vehicle states are collected together with body information such as a car number and user information, and a vehicle insurance claim processing is performed by post-payment based on statistics of the vehicle information.

According to the present invention, there is provided a vehicle insurance premium billing method for determining a vehicle insurance premium based on a contract with a vehicle user and claiming the vehicle insurance premium, wherein a signal transmitted from an antenna provided on the vehicle to an artificial satellite is provided. The vehicle position information is obtained and collected by the reflected signal, and the vehicle control information and the vehicle component state information are transmitted to the artificial satellite from the antenna provided in the vehicle, and the signal reflected by the artificial satellite is received, or A diagnostic system mounted on a vehicle transmits from a vehicle via a communication device such as DSRC (dedicated short-range communication) or a mobile phone, collects and collects individual vehicle state information by receiving the transmission signal. Transmitting the vehicle state information poured out from the vehicle to the artificial satellite based on the diagnosis result information transmission instruction of the diagnostic system,
A signal reflected from the artificial satellite is received, and individual vehicle states are collected together with vehicle information such as a vehicle type and a vehicle number which are separately input for the vehicle and user information, and based on statistics of the vehicle information. There is provided a vehicle insurance claim processing method for performing a vehicle insurance claim processing by postpay.

According to the present invention, there is provided a vehicle insurance claim processing method for determining a vehicle insurance premium according to a contract with a vehicle user and charging the vehicle insurance premium, wherein vehicle control information or vehicle component state information is provided to the vehicle. By transmitting to the artificial satellite from the antenna provided, collecting by collecting the signal reflected by the artificial satellite and collecting individual vehicle state information, the vehicle information is statistic, and based on the statistics of the vehicle information, A vehicle insurance claim processing method for performing a vehicle insurance claim processing is provided.

According to the present invention, there is provided a vehicle insurance claim processing method for determining an insurance premium of a vehicle in accordance with a contract with a user of the vehicle and charging the vehicle insurance premium. To collect the individual vehicle state information by collecting the signals reflected by the artificial satellites, and to combine the vehicle information with the vehicle type, vehicle number, etc., and the user information that were separately input for the vehicle. The present invention provides a vehicle insurance claim processing method that collects individual vehicle states and performs post-payment vehicle insurance claim processing based on statistics of the vehicle information.

According to the present invention, there is provided a vehicle insurance claim processing method for determining a vehicle insurance premium according to a contract with a vehicle user and claiming the vehicle insurance premium, wherein vehicle control information and vehicle component state information are provided on the vehicle. The antenna status transmitted from the diagnostic system mounted on the vehicle by receiving the signal reflected by the satellite from the antenna transmitted to the satellite and receiving the signal reflected by the satellite is transmitted to the vehicle based on the diagnosis result transmission instruction of the diagnostic system. To the satellite, receive the signal reflected from the satellite, collect the individual vehicle status together with the vehicle information such as the vehicle type, vehicle number, etc., and the user information that have been separately input for the vehicle, and There is provided a vehicle insurance claim processing method for performing post-payment vehicle insurance claim processing based on statistics of vehicle information.

[0025]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment according to the present invention will be described below with reference to the drawings.

FIG. 1 is a conceptual diagram of the system. In the figure, vehicle state information from a vehicle 1 is divided into two, and one of the vehicle position information is transmitted from an antenna 3 to an artificial satellite 4 via an on-vehicle device 2 on which various control devices provided on the vehicle 1 are mounted. Be sent. The vehicle position information may be information including latitude and longitude from the navigation terminal.

The signal reflected by the artificial satellite 4 is, for example, S
Transmitted to the collective management center 6 as vehicle information by the band satellite communication and broadcasting system (HEO) 5;

The vehicle is provided with various sensors for detecting the vehicle driving state, and can obtain vehicle sensor information. Prior to transmission of various sensor information, vehicle information for discriminating the vehicle type, for example, information such as vehicle type, vehicle number, manufacturing date, registered prefecture name, or user information is transmitted and registered in advance. Can be kept. The vehicle is provided with a card reader / writer 7, and a card 8 dedicated to a user, for example, a credit card for paying a road usage fee is provided. The card 8 records user information such as a user name, a date and time of obtaining a driver's license, a driving history, and a bank transfer account number. This card can also be used to pay a usage fee when using vehicle insurance described later.

A part of the vehicle body information and the vehicle sensor information is transmitted from the antenna 3 to the artificial satellite 4 through the vehicle-mounted device 2 as general information, and is collectively transmitted by the S-band satellite communication / broadcasting system 5 in the same manner as the vehicle position information. Collected in the management center.

The remaining vehicle information is, for example, general-purpose DSRC
(Dedicated Short Range Communicati
On) 8, the information is input and collected to the collective management center via the dealer 9 or directly. The remaining vehicle information includes detailed information that is a part of the user information and the vehicle sensor information, vehicle body information, and the like. The purchase of gasoline using the card 8 may be similarly input and collected as information through the gas station 10 to the collective management center 6. As a result, fuel efficiency and engine information can be obtained. Other vehicle information is input to the collective management center 6 by wireless communication means as the backup line 11,
Collected.

The vehicle information collected by the central management center 6 is statistically used for statistical analysis or diagnostic analysis. The vehicle information used for the statistical analysis or the diagnostic analysis is recorded in a database (DB) 19 of a computer, and is also transmitted to the non-life insurance company 1 via a network bark bone 13, that is, a public line or the Internet.
4, Completed car maker / parts maker 15, Used car assessor 1
6. Information is provided to ministries and local governments 17 and rental car management companies 18. Of course, this information provision is not done in principle, but is made under contracts and other restrictions. Further, the provision of vehicle information from individual vehicles is not performed arbitrarily, but is performed under contracts and other restrictions. Some benefit may be given to a user who permits information provision.

FIG. 2 shows the vehicle-mounted device. In the figure, a transmitting device 21, a car navigation device 22, a driving system 2 of a vehicle
3 and an instruction / auxiliary system 24.

The signal from the antenna 3 is fetched through the transmission / reception circuit 31 and the modulation / demodulation circuit 32,
2 and demodulated by the transmission / reception control circuit 33.
The data is taken into the CPU 35 via the bus 34.

The CPU 35 performs necessary processing such as encrypting information to be transmitted in the transmission / reception control circuit 33, modulates the information in the modulation / demodulation circuit 32, and transmits the information from the antenna 3 via the transmission / reception control circuit 33.

The card is read by the card reader / writer 7, and read by the CPU 35 via the read / write control circuit 36.
It is taken in. Conversely, the data to be written to the card is CPU
The read / write control circuit 36 sends the data to the read / write control circuit 36 via the card reader / writer 7.

The user operates the input / output unit 38, and the CPU 3
5 is instructed to perform the processing. The CPU 35 displays a necessary display on the display screen 39 of the input / output unit 38, and also outputs audio (not shown).

The navigation device 22 includes a receiving unit 41,
It has a display unit 42, an operation unit 43, and an antenna 44, and records the current position, the traveled route, and the map (road information) information.
35.

Antenna 3 and transmission / reception circuit 3 surrounded by a square
1 and modulation / demodulation circuit 32, transmission / reception control circuit 33, CPU
The transmission / reception device 21 including the input / output unit 35, the input / output unit 38, the card reader / writer 7, and the read / write control circuit 36 is a system used in the embodiment of the present invention. linked. These devices and systems are as follows.

The drive system 23 of the car includes an engine control device 45
, An automatic transmission 46, a brake control device 47 (anti-skid control), a power steering device 48, and a drive system diagnostic system 49 for diagnosing these devices every moment. These are connected by an internal bus 50. The drive system diagnosis system 49 diagnoses whether the value of each internal sensor is out of the specified range, or whether the voltage or current is out of the specified range, and detects the content at regular intervals and detects a defect. Remember every time. The stored contents are taken into the CPU 35 via the drive system interface 51.

The instruction / auxiliary system 24 includes a light indicating light control device 5 such as a light, a direction indicator, and a brake operation display.
2, a power window control device 53, a vehicle height control device 54 for raising and lowering the vehicle height and adjusting a vehicle damper, a generator and an air conditioner 55, and these are connected by an internal bus 56. Whether or not these devices are operating normally and whether or not these devices are operated are diagnosed by the instruction / auxiliary system diagnosis system 57, and the malfunctions and usage status are maintained.
The CPU 35 can take in these held data via the instruction / auxiliary system interface 58 as needed.

When the diagnostic system 50 or 57 transmits the diagnostic result information, the CPU 35 determines whether or not to transmit the information to the artificial satellite, and if so, transmits the diagnostic result to the transmission / reception control circuit 33. To instruct. in this case,
The transmission / reception control circuit 33 has a channel for requesting the artificial satellite to transmit, receives a channel for transmission from the artificial satellite, and performs transmission to the artificial satellite using this channel. Prior to transmitting the diagnosis result, the CPU 35 instructs the transmission reception control circuit 33 of the vehicle type, vehicle, user name, and the like of the vehicle and transmits the data to the artificial satellite to thereby input data to the collective management center 6. it can. The CPU receives the information of various sensors mounted on the vehicle without passing through the diagnostic systems 50 and 57
35 may perform the same function and input the sensor information to the collective management center 6 so that the diagnosis is performed based on the collected information. Even in this manner, vehicle information can be collected.

FIG. 3 shows a system on the side of the central control center that receives information from each vehicle.

The antenna 61, transmission / reception circuit 62, modulation / demodulation circuit 63, transmission / reception control circuit 64, CPU 65, and input / output unit 66 have the same functions as above. Apart from the CPU 65, there is a business processing system 67 having a computer, that is, a processing device 68, which holds a large amount of data. A server 69 is connected via a bus 68.

The business processing system 67 organizes data for each vehicle type, each user, and each vehicle serial number, and stores the server. Data stored as necessary is stored in the server 69.
Take out from and provide.

FIG. 4 shows an outline of a satellite communication / broadcasting system.

In the figure, 100 is a broadcasting station, 110 is an artificial satellite for broadcasting (4 in FIG. 1), 120 is a GPS satellite, 130 is a vehicle, 150 is a car navigation system, and 140 is an information display on the car navigation system 150. Represents. Note that the car navigation system 150 includes a receiving device. The car navigation system 150 is mounted on the vehicle 130 and performs position detection, route search, and information presentation on the vehicle.

Reference numeral 190 denotes a satellite broadcast transmission signal from the broadcasting station 100; 105, a satellite broadcast signal from the broadcasting artificial satellite 110; 115, a position confirmation signal from the GPS satellite 120; All area range, 13
5 is the movement route of the vehicle 130, 160 is the entire area range 170
Above, an area corresponding to the moving path 135 of the vehicle 130, 180 denotes an area to which information is transmitted on the entire area range 170, and 135 denotes an area on the entire area range 170 where the vehicle 130 is currently present.

Now, the whole area range 1 to which information is to be transmitted
It is assumed that 70 is divided into small areas as shown in FIG. It is assumed that the broadcast station 100 and the car navigation system 150 have the same information on the division of the small area. In addition, the car navigation system 15
0 indicates that the position of the vehicle 130 can be specified, the satellite broadcast signal 105 can be received, and information can be presented.

The broadcasting station 100 determines the area to which information is to be transmitted as the area 180, adds information for specifying the area 180 to the information, and transmits the information to the broadcasting satellite 110 with the satellite broadcast transmission signal 190. send. Upon receiving the satellite broadcast transmission signal 190, the broadcasting artificial satellite 110 receives the satellite broadcast signal 105.
Then, transfer the signal.

On the other hand, the car navigation system 150
Receives the position confirmation signal 115 from the GPS satellite 120 and obtains the position of the vehicle 130. In addition, the car navigation system 150 specifies the area 125 where the vehicle 130 exists on the entire area range 170. In addition, the car navigation system 150 obtains a corresponding area 160 from a travel route 135 which is held by a driver's input in advance or obtained by a route search function.

Upon receiving the broadcast, the car navigation system 150 receives the satellite broadcast signal 105 and extracts the included information and the information specifying the area. Here, information specifying the area 180 is extracted.
The car navigation system 150 can determine the area 125 where the vehicle 130 is currently located, the travel route 135, and the travel point.

The broadcasting artificial satellite 110 is viewed from the ground,
An artificial satellite that is always located in the zenith direction may be used, and the reception sensitivity of the car navigation system 150 may be narrowed down to the artificial satellite to perform reception. In that case, it is possible to reduce a reception obstacle due to a building such as a building, and to realize a broadcasting system that does not interrupt broadcasting and performs information presentation according to the situation of each mobile object.

FIG. 5 is a flowchart showing a method for collecting, analyzing, and processing vehicle state information. In this figure, (1) Immediately after a driver who is a driver enters the vehicle and starts the engine, a start start signal is automatically transmitted from the vehicle to the collective management center (S1). The communication method is centered on the HEO route, which is considered to have the least number of call-disabled states, and can be communicated with DSRC and mobile phones.

(2) After receiving the above signal, the center transmits a confirmation message from the center as to whether or not to permit the vehicle to provide information (S2).

(3) It is confirmed whether the driver is permitted to provide information (S3). The method of providing confirmation contents is by voice response or display. The answer method depends on two or more buttons on the vehicle-mounted device.

(4) Only when the provision is permitted, individual vehicle information on individual vehicles is collected and statistics are made (S
4). Further, based on these data, for example, vehicle information collection and statistics for each purpose such as for each insurance company are performed (S
5).

(5) Only when the provision is permitted, the system for accumulating service points is started (S6). The service points increase in proportion to the mileage and the time during which the engine is started, and the more services you get on, the more services you can receive. It is assumed that service points can be managed not only for each car but also for each user. For this purpose, their ID cards are inserted into the vehicle-mounted device, and information such as age, gender, blood type, etc. is transmitted.

(6) Here, the vehicle state information means the following, and it is assumed that the level to be disclosed can be selected even when the provision is permitted. (1) Vehicle position information Latitude / longitude information from the navigation terminal (2) Vehicle control information Brake amount, steering wheel accuracy, accelerator opening, number of gears, ABS operation time, VSC operation time (3) Vehicle part status information Oil temperature, oil pressure , Voltage, fuel level,
CPU state, muffler temperature VSC: Side-slip suppression control mechanism

(7) The data is encrypted (S7) and transmitted to the center (S8).

The above is the information collection function. Subsequently, the information processing / analysis function will be described.

(8) Data is compounded at the center (S9)

(9) Save the raw data for each vehicle model of each manufacturer into a storage DB.

(10) Statistical analysis is performed for each vehicle type (S10,
S11) (1) How many new functions have been used as features that provide features to other companies? (2) Are there any features in the usage patterns for each model? Ex. Time zone, day of week, commercial or not

(11) Perform performance analysis for each part (S10,
S12) (1) Is the temperature normal? (2) Is the pressure normal? (3) Is the product life appropriate?

(12) Save the analysis data in the DB (S1
3).

Next, a data providing service for completed vehicle manufacturers and parts manufacturers will be described.

This service sells and provides data stored by the information collection / processing / analysis function of the above-mentioned flow to a complete vehicle manufacturer or a component manufacturer.

Data is sold and provided via a network in response to a purchase request from a completed vehicle manufacturer or a component manufacturer (S14, S15). The network can select the means to meet the customer's needs on the public network. The data is sent encrypted so that it cannot be intercepted by other companies. It is expected that the receiving manufacturer will utilize the data as follows.

<Application of Statistical Analysis Data> (1) Statistical analysis information on which vehicle type is used by which generation, on what day of the week and at what time is analyzed, Consider extra functions, pricing, etc. (2) Check how much of the new function is used as a feature that provides features to other companies. If it is used frequently, consider applying it to other models. We will remove it, review pricing, and stop adopting the function. (3) Introduce to the dealer the best-selling models and functions according to the current age and gender, and sell PR according to the customer's generation and gender
Is possible.

<Application of Performance Analysis Data for Each Part> (4) By finding out the failure frequency of each part, the validity of the product life can be verified. (5) When an abnormality is reported from the user (actual operation), the raw information and performance analysis data before and after the abnormality are packaged and provided to a repair agent / dealer to help grasp the cause of the abnormality that is difficult to reproduce.

A data providing service for a used car related company will be described.

This is a service for selling and providing data stored by the information collecting / processing / analyzing function of the system example 1 to used car dealers and dealers (S18).

A person who wants to purchase a car connects to the center to know the assessed value of his / her car. At the center, in addition to the inspection history of the vehicle for which the assessment was requested, the mileage, the type and type of the vehicle, and information for grasping the internal state of the device (Ex. Engine control information, steering wheel angular velocity information, ABS cumulative operation time, VSC Cumulative operation time, etc.)
Based on the information on traffic and locations that harm cars (on the coast and on the snow: both are damaged by salt), the assessment value is determined finely. The above method can also serve dealers, used car dealers, dismantling companies, and automatic repair shops that are likely to bring in trade-in cars.

The data providing service for the Environment Agency will be described.

This service provides the environment agency with information on the environment among the data stored by the information collection / processing / analysis function of the flow described above.

An inspection is conducted by randomly picking up whether the harmful gas discharged from the engine meets the environmental standard value. Statistical analysis is performed for each vehicle type, and if more than a certain number of vehicle types do not meet the standard values, the Environment Agency will recommend manufacturers to improve the vehicle types.

The data providing service for rental car companies and rental car users will be described.

This is a service for providing position information to the rental company out of the data stored by the information collection / processing / analysis function of the flow described above.

<For a rental car company> After the rental period of a rental car or a car used in Community Transport has expired, the rental car changes its own vehicle position to HE.
Automatically sent to the center via O. The center sends the data to the car management company, which allows the management company to monitor expired vehicles. As the providing method, a) latitude / longitude information, b) place name information, and c) map display graphic screen information can be considered.

The community transport is a rental car system in the city center that enables a shared use in a certain area.

<For rent-a-car users> This is a service that transmits commercial information on the area, which is another applicable case in this assignment, to the user. If the commercial provider and the car rental company are affiliated and the user accepts to broadcast commercial information,
Cash back the rental fee. The media to be provided may be a monitor for navigation or provided only by voice.

The data providing service for the local government Electronic Road Pricing will be described.

A service for providing local government with information on passing through a certain restricted area (such as the boundary of a local government), entry time, and accumulated time during travel within a restricted area, among the data stored by the information collection / processing / analysis function of the flow described above. is there.

A car approaching the restricted area automatically receives H
An automatic call from the center via EO is sent from the HEO to inform the car that it is in a restricted area, and that it will be collected in a certain amount of time if you pass by now. Judgment of entering the restricted area can be done by grasping position information by interlocking
There is a method of detecting by roadside DSRC without using EO. After the above information is communicated, the vehicle-mounted device constantly checks whether or not the vehicle has passed the restricted area, and at the time of passing, the entry time, the actual use of the car, and the accumulated time during area movement are HEO.
Send to sensor via As the settlement method, there are post-collective billing, immediate settlement by ETC, and prepaid payment.

The data providing service for non-life insurance companies will be described.

This service sells and provides the data stored by the information collection / processing / analysis function of the flow described above to the non-life insurance company for the purpose of calculating a rate and an accident liability ratio (S14).

A service for paying insurance premiums only during the time of using a car can be provided. On-demand insurance (for those who do not drive frequently, suitable for weekend users. Inexpensive without annual insurance contract) Payment method is a fixed period (Ex. 1 month) in addition to the previous prepayment method A post-payment method, an immediate settlement using an ETC card, and a card settlement at the end of operation are also conceivable. The insurance position is calculated by determining whether the traveling position is a frequently used road, a road that is not used (for the first time), or a place where accidents frequently occur and a place where it is not. For privacy protection, it is not always necessary to provide the latitude / longitude information, and the above-described determination may be made in the vehicle-mounted device and the corresponding code information may be transmitted. For example, roads that have not been used within the past year may be set to 0, the opposite may be set to 1, the passage of accident-prone locations may be set to 2, and so on.

Hereinafter, a vehicle information providing service for non-life insurance companies regarding vehicle insurance premiums will be described in detail with reference to the flowchart of FIG.

Immediately after the user, who is the driver, enters the vehicle and starts the engine, the vehicle automatically transmits an activation start signal to the collective management center (S2).
1). Thereby, according to the flow shown in FIG.
(1) Vehicle position information, (2) vehicle control information, and (3) vehicle part status information are performed. As described above, in addition to these information, attached information such as a vehicle type and a user name is separately sent to the collective management center. It is collected and statistic.

The center calculates the usage fee from the vehicle type and the user name, and sends a fee guidance and a confirmation message to the vehicle (S22). A determination as to whether to use insurance is required of the vehicle user (S23). In this example, a contract is made on the spot by inquiring whether or not to use the vehicle insurance from the vehicle. However, it is of course possible to preliminarily make this contract, and in that case, the expiration date is set. It can be limited to a certain period. Further, as in this example, it is possible to set a short period, that is, only that day or the number of days according to the travel itinerary. Here, since these periods are also specified in the contract, they are treated as fixed periods.

When the use of insurance is transmitted, the vehicle use time data and the passing data integrated at regular intervals are encrypted by the vehicle-mounted device and transmitted to the center (S2).
4). Measurement can be performed continuously instead of at regular intervals. In this case, the collected records can be limited to the unique items. Here, driving time data is obtained, and this data is used for calculating charging target time data. Depending on the contents of the contract, the entire operation time may be the charging time, or a part of the operation time may be used as the charging time. In addition, the known /
Passage data for unknown / accident prone locations is collected. It is possible to confirm that these points are registered by the central management system in the center or that they are not registered. Other driving or vehicle information may be converted into data. For example, the frequency of sudden braking, sudden steering, sudden transmission, and acceleration integrated value data of each item may be collected. Further, instead of a point, an area including the point may be used. Here, points will be described. These data are decoded at the center (S25) and recorded as raw data for each user (S26). That is, raw data is recorded for non-life insurance companies (non-life insurance companies), fee calculation outsourcing service companies and users.

The collected and statistical data is used for sales of raw data for non-life insurance (S27), and provided to a charge calculation outsourcing service company (S28). Further, the maintenance history information is separately provided to the fee calculation outsourcing service company so as to be reflected in the insurance fee calculation as data (S29). Past periodic inspection / maintenance history information, for example, how many days have passed since maintenance? Etc. are collected. If the vehicle has a memory, it is transmitted from the vehicle; otherwise, it is collected from the vehicle maintenance company via the network.

This service company calculates and determines the charging time based on the driving time data, and performs, for example, a coupon payment calculation and a post-payment calculation. Also, known points based on the passing data are cheap, unknown points are high, accident occurrence points are high, and insurance rates are set and calculations are performed. Here, this setting is called insurance premium weighting. It is natural that the premium itself can be calculated, not the premium rate for the basic premium. For the contracted vehicle, the driving time within a certain period is obtained and collected, and the passing data on the point (including the moving route and the area as described above) passed by driving the vehicle is obtained and collected. The insurance time weighting is set based on the charging time data from the driving time data and one or both of the charging time data and the passing data, and the insurance claim is charged based on the charging time data, the passing data and the insurance weight. Calculate the amount and display. Of course, it is possible to calculate the number of points based on the driving time data and the number of points based on the number of points passing the specified point, and calculate the insurance premium based on the calculated points. Even in this method, setting the charging target time as the calculation target, using the passing data, and setting the number of points means that insurance premium weighting is employed. In order to weight the premium, vehicle control information, vehicle part status information, and vehicle (for example, old or new)
1 of user information and maintenance history information about
One or a combination thereof may be used as other information.

A user billing process is performed based on the insurance premium amount (S32). For example, the above-mentioned bank debit from the card is made by a postpay method.
The user claim process includes a PL (product liability) insurance claim process for a vehicle or a part maker thereof, and an insurance claim process based on an accidental negligence ratio analysis.

Since the vehicle state information described above can be reliably collected and statistically analyzed by performing statistics, the amount of the vehicle insurance premium paid by the current advance payment method is reviewed at the time of renewal contract and the fee is revised. It is possible.

[0096]

According to the present invention, since the use frequency and use situation of the vehicle can be statistically grasped in real time, it is possible to perform the fee payment processing corresponding to the use frequency and use situation of the vehicle. . As a result, it is possible to diversify the insurance contract method without being limited to the payment of the fee by the annual contract. For example, the payment of insurance premiums is a postpaid method.

More specifically, the HEO is used to collectively manage the approximate state information of the vehicles spread all over Japan at the center,
In addition, in cooperation with broadband mobile communication such as DSRC and IMT-2000, a service is provided in which detailed state information is also collected, this data is mined, and the information is provided for a fee.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing functions of the vehicle-mounted device.

FIG. 3 is a block diagram showing functions of a collective management center.

FIG. 4 is a conceptual diagram showing functions of a broadcasting system.

FIG. 5 is a flowchart showing a vehicle state online management method.

FIG. 6 is a flowchart showing a vehicle information providing service method.

[Explanation of symbols]

1… vehicle, 2… vehicle device, 3… antenna, 4… artificial satellite,
5: S-band satellite communication / broadcasting system, 6: central management center, 7: card reader / writer, 8: card,
9: dealer, 10: gas station, 11: backup line, 12: mobile phone, 13: network backbone, 14: non-life insurance company, 15: complete car manufacturer
Parts manufacturer, 16: Used car assessment company, 17: Ministries, local governments, 18: Rental car management company, 21: Transmitter / receiver, 2
2 Car navigation device, 23 Drive system, 24 Instruction / auxiliary system, 31 Transmission / reception circuit, 32 Modulation demodulation circuit,
33: transmission / reception control circuit, 35: CPU (microcomputer), 36: read / write control circuit, 45: engine control device, 46: automatic transmission, 47: brake control device, 48: power steering device, 49: drive system Diagnostic system, 51 ... drive system interface, 52 ...
Light indicator light control device, 53: power window control device, 54: vehicle height control device, 55: generator, air conditioner, 5
7 ... Instruction / Auxiliary System Diagnosis System, 58 ... Instruction / Auxiliary System Interface

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Tatsuo Yoshioka 4-6-6 Kanda Surugadai, Chiyoda-ku, Tokyo Inside Hitachi, Ltd. BB00 BB59 CC40 EE21 GG03 GG09 5J062 BB01 CC07 DD21 5K072 AA21 BB02 BB18 BB22 DD01 DD11 DD16 EE12 FF20 HH02

Claims (12)

[Claims] Claims: 1. A vehicle insurance claim processing method for determining a vehicle insurance premium according to a contract with a vehicle user and claiming the vehicle insurance premium. And statistics of driving time data, as well as obtaining and collecting passing data for points, areas, and routes (hereinafter collectively referred to as points) where the vehicle has been driven, and collecting and statistically calculating the data. Vehicle insurance claim processing method characterized by the above-mentioned. 2. A vehicle insurance premium processing method for determining a vehicle insurance premium according to a contract with a vehicle user and claiming the vehicle insurance premium, wherein the vehicle operating time within a certain period is collected for a contracted vehicle. And obtains and collects pass data for a point or area (hereinafter, referred to as a point) passed by driving the vehicle, collects the charge target time data from the driving time, and collects the charge target time data. A vehicle characterized by setting insurance weighting based on one or both of the data, displaying the amount of insurance premium based on charging target time data, passage data and insurance weighting, and performing vehicle insurance premium processing. Insurance claim processing method. 3. The vehicle insurance claim processing method according to claim 2, wherein the insurance premium weighting is an insurance premium rate. 4. The method according to claim 2, wherein the passing data includes a point registered as known, a point not registered as unknown, and a point registered as an accident-prone point, and the points registered as known are weighted by insurance premiums. A vehicle insurance claim processing method, wherein a low-cost, unregistered point and a point registered as an accident-prone point are set with a high insurance premium weight. 5. The method according to claim 2, wherein other information such as vehicle control information, vehicle component state information, user information about the vehicle and the user, or maintenance history information is used for the insurance premium weighting. A featured vehicle insurance claim processing method. 6. A vehicle insurance claim processing method according to claim 2, wherein points are calculated from the charging target time and the insurance data weighted passage data, and the insurance rate or insurance amount is determined based on the points. 7. A vehicle insurance claim processing method for determining a vehicle insurance premium according to a contract with a vehicle user and claiming the vehicle insurance premium, wherein a reflected signal of a signal transmitted to an artificial satellite from an antenna provided on the vehicle. By obtaining and collecting the vehicle position by, and transmitting vehicle control information or vehicle component state information to the satellite from an antenna provided in the vehicle and receiving a signal reflected by the satellite, or from the vehicle DSRC
(Dedicated narrow-band communication) or transmitted via a mobile communication device such as a mobile phone, and by collecting the received transmission signal to collect individual vehicle state information, the vehicle information is statistically collected. A vehicle insurance claim processing method for performing a post-payment vehicle insurance claim processing based on statistics of the vehicle information. 8. A vehicle insurance claim processing method for determining a vehicle insurance premium according to a contract with a vehicle user and claiming the vehicle insurance premium, wherein a reflected signal of a signal transmitted to an artificial satellite from an antenna provided in the vehicle. The vehicle position information is obtained and collected by the vehicle, and the vehicle sensor information is transmitted to the artificial satellite from an antenna provided in the vehicle, and the signal reflected by the artificial satellite is received. Communication) or transmitting through a communication device such as a mobile phone, collecting the individual vehicle state information by receiving the transmission signal, and collecting the vehicle type, vehicle number, etc., separately input for the vehicle. The system collects individual vehicle states together with vehicle information and user information, and performs post-payment vehicle insurance claim processing based on statistics of the vehicle information. Vehicle insurance claims processing how. 9. A vehicle insurance claim processing method for determining a vehicle insurance premium according to a contract with a vehicle user and claiming the vehicle insurance premium, wherein a reflected signal of a signal transmitted to an artificial satellite from an antenna provided in the vehicle. By obtaining and collecting vehicle position information, and transmitting vehicle control information and vehicle component state information to an artificial satellite from an antenna provided in the vehicle and receiving a signal reflected by the artificial satellite, or from the vehicle. DSR
C (Dedicated Narrow Area Communication) or transmitted via a communication device such as a mobile phone, and collects individual vehicle state information by receiving the transmitted signal, and collects information from the diagnostic system mounted on the vehicle. The transmitted vehicle state information is transmitted from the vehicle to the artificial satellite based on the diagnosis result information transmission instruction of the diagnostic system, the signal reflected from the artificial satellite is received, and the vehicle type and vehicle separately input for the vehicle are transmitted. A vehicle insurance claim processing method comprising collecting individual vehicle states together with vehicle information such as a car number and user information, and performing post-payment vehicle insurance claim processing based on statistics of the vehicle information. 10. A vehicle insurance claim processing method for determining a vehicle insurance premium according to a contract with a vehicle user and claiming the vehicle insurance premium, wherein vehicle control information or vehicle component state information is provided in the vehicle. The vehicle information is statistically transmitted by transmitting the signal from the antenna to the artificial satellite and collecting the signals reflected by the artificial satellite and collecting the individual vehicle state information, and the vehicle insurance based on the statistic of the vehicle information. A vehicle insurance claim processing method comprising performing a claim processing. 11. A vehicle insurance claim processing method for determining a vehicle insurance premium according to a contract with a vehicle user and claiming the vehicle insurance premium, wherein the vehicle sensor information is transmitted to an artificial satellite from an antenna provided in the vehicle. Collecting individual vehicle status information by receiving signals reflected by artificial satellites, and collecting individual vehicle state information, such as vehicle type and vehicle number, and user information that have been separately input for the relevant vehicle. Collecting a vehicle state of the vehicle information and performing a vehicle insurance claim processing by post-payment based on statistics of the vehicle information. 12. A vehicle insurance claim processing method for determining a vehicle insurance premium according to a contract with a vehicle user and claiming the vehicle insurance premium, wherein the vehicle control information and the vehicle component state information are provided on the vehicle. From the diagnostic system mounted on the vehicle by receiving the signal reflected by the artificial satellite from the vehicle, and transmitting the vehicle state information from the vehicle based on the diagnostic result transmission instruction of the diagnostic system. Transmitting the signal to the satellite, receiving the signal reflected from the artificial satellite, collecting the individual vehicle state together with the vehicle information and user information such as the vehicle type and the vehicle number which are separately input for the vehicle; A vehicle insurance claim processing method of performing post-payment vehicle insurance claim processing based on the statistics of (1).