JP2002149984A - Automobile premium calculating system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automobile premium calculating system allowing the setting of a premium precisely depending on the actual driving conditions of individual drivers when calculating the premium for an automobile insurance. SOLUTION: The system comprises an on-vehicle terminal 10 mounted on a vehicle and an insurance company terminal 30 provided in an insurance company, and an operation managing server 20 connected thereto by a communication line 40. The on-vehicle terminal 10 detects drive related information related to the drive of a driver and transmits the drive related information to the operation managing server 20 by the communication line 40 together with an identifier for specifying the on-vehicle terminal. The operation managing server 20 discriminates the driving condition of the driver in accordance with the drive related information received from the on-vehicle terminal 10. The insurance company terminal 30 calculates the automobile premium in accordance with the discriminated result received from the operation managing server 20.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automobile insurance premium calculation system for calculating an automobile insurance premium according to a driving situation of a driver.

[0002]

2. Description of the Related Art Normally, automobile insurance premiums are calculated based on conditions such as the driver's age and vehicle type.

[0003]

However, in such an insurance premium calculation method, the insurance premium must be determined uniformly according to the driver's age and the like.

[0004] Also, recently, if there is no accident for a predetermined period after enrolling in the insurance, a service to receive a partial refund of the insurance premium and a service to calculate the insurance premium according to the annual mileage and the like are provided by the insurance company. However, insurance companies cannot know the actual driving situation of the driver when calculating the premium.

[0005] In view of the above problems, the present invention provides an automobile insurance premium calculation system capable of setting the insurance premium in detail according to the actual driving situation of each driver when calculating the insurance premium of the automobile insurance. The purpose is to:

[0006]

According to one aspect of the present invention, there is provided an automobile insurance premium calculating system for calculating an automobile insurance premium according to a driving situation of a driver of a vehicle. In-vehicle terminal (10) for detecting driving-related information related to driving of the driver and transmitting the information to the operation management server together with an identifier for specifying the in-vehicle terminal, and operation management for determining the driving situation of the driver based on the driving-related information Server (2
0) and an insurance company terminal (30) for calculating an automobile insurance premium based on the determination result.

[0007] Thus, it is possible to set a detailed automobile insurance premium according to the actual driving situation of each driver. In addition, since the driving-related information is sequentially transmitted from the in-vehicle terminal (10) to the operation management server (20), it is possible to prevent the user from performing unauthorized operations such as data rewriting.

In addition, by including, in the identifier for specifying the vehicle-mounted terminal (10), vehicle type information for specifying the vehicle type or region information for specifying the area where the vehicle is registered, the insurance company terminal (30) has a vehicle type. Alternatively, it is also possible to calculate the automobile insurance premium for each vehicle type or each region based on the determination result of the driving situation for each region.

[0009] In the insurance company terminal (30), the insurance premium calculating means may calculate the rebate amount of the automobile insurance premium based on the result of the driving situation determination. it can. Furthermore, as in the invention described in claim 3, the insurance company terminal (30) includes an insurance premium calculation table in which at least one of the vehicle-specific insurance premium and the age-specific insurance premium is predetermined, and determines the driving situation. In addition to the results, it is also possible to calculate the car insurance premium based on at least one of the type of vehicle and the age of the driver.

According to a fourth aspect of the present invention, there is provided an in-vehicle terminal (10) used in an automobile insurance premium calculation system, and an invention according to a fifth aspect is an operation management server used in the automobile insurance premium calculation system. (20).

[0011] The invention according to claim 6 is the first invention.
An automobile insurance premium calculation method for calculating an automobile insurance premium by the automobile insurance premium calculation system described in (1).

The reference numerals in parentheses of the above-mentioned means indicate the correspondence with the concrete means described in the embodiments described later.

[0013]

DESCRIPTION OF THE PREFERRED EMBODIMENTS (First Embodiment) A first embodiment of the present invention will be described below with reference to FIGS.

FIG. 1 shows a network configuration of an automobile insurance premium calculation system according to the first embodiment. As shown in FIG. 1, the automobile insurance premium calculation system includes an in-vehicle terminal 10 mounted on a vehicle, an operation management server 20 for managing the operation status of the vehicle, and an insurance company terminal 30 provided at the insurance company. ing. These are connected by a communication line 40. As the communication line 40, for example, a public telephone line can be used. The in-vehicle terminal 10 and the insurance company terminal 30 may be configured to be connected to each other.

FIG. 2 shows the hardware configuration of the automobile insurance premium calculation system. As shown in FIG. 2, a vehicle-mounted terminal 10 mounted on the vehicle 1 is provided with a telematics ECU (control device) 11 and a communication device 12. The telematics ECU 11 constitutes driving-related information detecting means for detecting information relating to driving of a vehicle driver (user), and the communication device 12 constitutes communication means for communicating with the outside of the vehicle via a communication line 40. . As the communication device 12, for example, a telephone mounted on a vehicle or a general-purpose mobile phone can be used. Although not shown, the vehicle-mounted terminal 10 includes a storage unit that stores driving-related information.

The telematics ECU 11 detects driving-related information related to the driver's driving based on signals from various control units (ECUs) and sensors provided in the vehicle. Specifically, as shown in FIG.
The CU 11 includes an engine / transmission ECU 13, a vehicle control ECU 14, a meter ECU 15, an airbag ECU 1
6. Signals from the location ECU 17 and the clock 18 are input.

The engine / transmission ECU 13 detects the engine speed, torque, fuel consumption rate, accelerator opening, and the like. In the vehicle control ECU 14, the operating states of the ABS and the skid control, the brake operation, the steering angle of the steering wheel,
Detect acceleration and the like. The meter ECU 15 detects the vehicle speed and the traveling distance. The airbag ECU 16 detects the operating status of the airbag. In the location ECU 17, GPS information, gyro, base station information, DSRC (De
The position information of the vehicle is detected based on, for example, dicated Short Range Communication. The clock 18 detects the date, the day of the week, the length of operation time, and the time zone.

Further, the telematics ECU 11 has a function of executing diagnosis (failure diagnosis) of various ECUs and sensors mounted on the vehicle, and checking for unauthorized modification of the on-board terminal 10. In the present embodiment, the driving-related information includes the presence or absence of a failure of various ECUs or the like and the presence or absence of unauthorized modification of the device.

Each of the on-board terminals 10 has a unique identifier (ID). In this terminal ID, each in-vehicle terminal can be specified (that is, each contract vehicle can be specified).
Contains terminal information.

The operation management server 20 stores driving-related information transmitted from the vehicle-mounted terminal 10. In addition, the operation management server 20 determines the driving condition of the driver based on the driving-related information, and checks for a failure of the on-vehicle device and an unauthorized modification of the on-vehicle terminal.

In the operation status determination by the operation management server 20, it is determined based on the operation-related information whether or not the operation status can cause an accident. Specifically, the accelerator opening, brake operation, airbag, AB included in the driving-related information
Based on the information on S, date and time, wiper, etc., it is determined whether the vehicle is in a sudden acceleration / deceleration, a long-time continuous operation, a dangerous behavior of the vehicle, a bad weather or a night driving, or the like.

The operation management server 20 transmits a message to the driver to the in-vehicle terminal 10 based on the operation status data as the determination result. This message may indicate to the driver, for example, advice on safe driving, energy saving driving, and the like. In addition, for example, information on the insurance rate discount rate for the driving situation (for example, a discount service for insurance premiums cannot be received in the current driving situation) may be shown to the driver.

The operation management server 20 transmits the driving situation data of each driver to the insurance company terminal 30.

In the insurance company terminal 30, the operation management server 2
The driving situation data received from 0 is used as an insurance premium calculation factor. The insurance company terminal 30 includes an insurance premium calculation table in which the driving situation data is associated with discounts or premiums on insurance premiums. The insurance company terminal 30 calculates the insurance premium of each driver based on the driving situation data using a predetermined insurance premium calculation formula. The insurance company terminal 30 can also calculate the rebate rate of the paid insurance premium and the like. The insurance company presents the calculated premium to the user or provides a rebate service for the paid premium.

A specific example when the driving situation data is used as an insurance premium calculation factor will be described below. For example, in the case of driving conditions that can cause accidents such as sudden acceleration / deceleration, high-speed running, long-time continuous driving, activation of an ABS or airbag, premiums are charged. Conversely, in the case of driving conditions such as short driving distance, heavy use in the daytime, driving with good fuel efficiency, etc.,
Discount on insurance premiums.

It is to be noted that, if the user pays an additional fee for the once paid insurance premium, since the psychological resistance of the user is great, a predetermined amount is initially collected without a discount depending on the driving situation, and the driving situation is collected. It is effective to rebate the discount amount based on the actual results.

The insurance company terminal 30 includes an insurance fee calculation table in which, for example, insurance fees for each vehicle type and insurance fees for each age are set in advance. It may be configured to calculate the insurance premium based on the insurance premium.

Next, an overall flow of an insurance premium calculating method by the automobile insurance premium calculating system according to the first embodiment will be described with reference to a flowchart of FIG. Each step shown in FIG. 3 constitutes means for realizing each function of the present invention.

First, the vehicle-mounted terminal 10 detects driving-related information of the vehicle (step S10). The in-vehicle terminal 10 determines whether the detected driving-related information exceeds a predetermined reference value (Step S11). If it does not exceed the reference value, it is determined whether it is necessary to periodically transmit to the operation management server 20 (step S12).
If the periodic transmission is not necessary, the driving-related information data is stored in the vehicle-mounted terminal 10, and the process returns to step S10. When it exceeds the reference value or when it is necessary to perform regular transmission, the operation-related information and the terminal ID are transmitted to the operation management server 20 (step S14).

The operation management server 20 receives the driving-related information transmitted from the vehicle-mounted terminal 10 (Step S).
20), based on the driving-related information, check the terminal ID of the device and check for unauthorized modification (step S2).
1). The operation management server 20 accumulates driving-related information for a predetermined period (step S22). In the present embodiment, one year of driving-related information is accumulated. Next, the driving status of each driver is determined based on the accumulated driving-related information (step S23). Based on the result of the determination of the driving situation, a message regarding safe driving for the driver is transmitted to the in-vehicle terminal 10 (step S24). Further, the operation management server 20 transmits the driving situation data, which is the result of the decision on the driving situation, to the insurance company terminal 30 (step S25).

In the insurance company terminal 30, the operation management server 2
The driving status determination result transmitted from 0 is received (step S30), and the automobile insurance premium and the insurance premium rebate for each driver are calculated based on the determination result (step S31). The insurance company presents the premium calculated in step S30 to the user (step S32).
Alternatively, based on the calculated rebate, a rebate service is provided for the premium paid to the user.

As described above, according to the automobile insurance premium calculation system of the first embodiment, it is possible to set the insurance premium in detail according to the driving situation of each driver. Also,
The operation-related information is transmitted from the on-board terminal 10 to the operation management server 20.
, So that unauthorized operations such as data rewriting by the user can be prevented.

(Second Embodiment) Next, a second embodiment of the present invention will be described. In the second embodiment, the unique identifier (ID) of each in-vehicle terminal 10 can identify not only the terminal information that can identify each in-vehicle terminal, but also the vehicle type information that can identify the vehicle type or the area where the vehicle is registered. Contains regional information. The same parts as those in the first embodiment are denoted by the same reference numerals, and description thereof is omitted.

In the operation management server 20 of the second embodiment, in step S21 of FIG.
Based on the terminal ID transmitted from the terminal, driving-related information of a plurality of drivers is stored for each vehicle of a specific type or for each vehicle in a specific area. As a result, the operation management server 20 can determine, in step S22 in FIG. 3, not the driving situation of each driver but the driving situation of a vehicle group in the same vehicle type or a vehicle group in the same area.

Thus, the insurance company terminal 30 can calculate an automobile insurance premium for each vehicle type or region based on the determination result of the driving status for each vehicle type or region.

(Third Embodiment) Next, a third embodiment of the present invention will be described. In the third embodiment, the unique identifier (ID) of each in-vehicle terminal 10 includes information on the presence or absence of the anti-theft device. The same parts as those in the first embodiment are denoted by the same reference numerals, and description thereof is omitted.

For example, considering a case where an insurance company sets a premium discount service for a user of a vehicle equipped with an anti-theft device, even if the insurance company can predict the effect of the anti-theft device, It is difficult to know in advance. Therefore, in the insurance fee calculation system according to the third embodiment, the content of the discount service can be determined on the basis of the performance record by including the information regarding the presence or absence of the anti-theft device in the terminal ID.

In the operation management server 20 of the third embodiment, in step S21 of FIG.
Based on the terminal IDs transmitted from the company, the results of vehicle theft for both the vehicle group equipped with the anti-theft device and the vehicle group not equipped with the anti-theft device are accumulated for a predetermined period (for example, one year) and totaled. In the operation management server 20, FIG.
In step S22, based on the result of the aggregation, the annual results regarding the theft of the vehicle group equipped with the anti-theft device and the vehicle group not equipped with the anti-theft device are compared. Is determined.

As a result, when it is determined that the anti-theft device has the effect of wearing the anti-theft device,
Based on the results, the insurance company provides a rebate service of the paid insurance premium to the vehicle user wearing the anti-theft device. Alternatively, a discount service for the next year's insurance premium can be provided.

(Fourth Embodiment) Next, a fourth embodiment of the present invention will be described with reference to FIG. In the fourth embodiment,
The driving-related information detected by the telematics ECU includes information on vehicle theft. The same parts as those in the first embodiment are denoted by the same reference numerals, and description thereof is omitted.

FIG. 4 shows a hardware configuration of an insurance premium calculation system according to the fourth embodiment. As shown in FIG. 4, the vehicle-mounted terminal 50 is provided with a telematics ECU (control device) 51 and a communication device 52. The telematics ECU 51 detects driving-related information including information related to vehicle theft based on signals from various control devices (ECUs) and sensors provided in the vehicle. Specifically, as shown in FIG. 4, the telematics ECU 51 includes an engine / transmission ECU 53, a vehicle control ECU 5
4. Signals from the door ECU 55, the security ECU 56, the location ECU 57, and the clock 58 are input.

The engine / transmission ECU 53 detects states such as a parking brake and a shift mode (parking). In the vehicle control ECU 54, a steering wheel angle,
Detects acceleration, vehicle inclination, etc. The door ECU 55 detects the lock / unlock of the door and the open / closed state of the door window. The security ECU 56 detects a signal from a security sensor. The location ECU 57 detects the position information of the vehicle based on the GPS information, the gyro, and the like. The clock 58 detects the time.

The operation management server 20 determines the theft of the vehicle based on the driving-related information transmitted from the vehicle-mounted terminal 50. As a result, when the vehicle theft is detected, the fact is notified to the vehicle user using the communication means. The user contacts a security company or the like as necessary. At this time, if the user has previously contracted with the security company, the operation management server 20 may be configured to directly contact the security company.

The operation management server 20 transmits information about the vehicle theft to the insurance company terminal 30. The insurance company terminal 30 can calculate the automobile insurance premium based on the information about the vehicle theft.

Since operation-related information is stored in the operation management server 20, the condition of the vehicle at the time of theft (for example, forgetting to attach a key, forgetting to lock a door, and not operating the anti-theft device) at the insurance company terminal 30 For example, it is possible to know whether or not the driver has made negligence regarding the vehicle theft.

For example, when the door is locked or the security device is turned on, the status of the vehicle (door locking, window glass opening / closing, security system operation status and time, vehicle position information) is transmitted to the operation management server. Then, when the status changes (for example, when the door is unlocked by the user, the security system is turned off, or the vehicle position changes), the status of the vehicle is transmitted to the operation management server again. The server stores data for a certain period of time.

In the meantime, if the vehicle is stolen, by analyzing the data, data for determining whether the accident is a theft accident after the user has properly taken security measures or a theft due to the negligence of the user is given. Can be Based on this,
You can increase or decrease the rate of premium payment, and decide whether to increase or leave the premium rate the following year.

For example, when there is no negligence for the user, payment of the prescribed insurance premium and the insurance premium for the next year are deferred, and when there is negligence for the user, reduction of the paid insurance premium and increase of the insurance premium for the next year are considered.

As described above, the insurance company terminal 30 can calculate the insurance premium based on the condition of the vehicle at the time of the theft. Alternatively, it is also possible to calculate an insurance rebate amount, calculate an insurance payment amount for vehicle theft, and the like.

Also, a driver information confirming device (for example, a smart entry such as a smart entry) that can confirm information about a driver in a vehicle is unlocked when the person approaches to permit the engine start. System 59), the driver ID is used to confirm whether the conditions of insurance contracts (driver limitation, age restriction, license type, etc.) are met, and to determine the driver of the accident vehicle. It can be carried out.

With the above configuration, when an accident or theft to be paid for an insurance occurs, the in-vehicle terminal transmits the operation management server and analyzes the data accumulated in the server. It is also possible to check whether the operation has been carried out in accordance with the insurance provisions.

When an accident or theft that is actually covered by the insurance payment occurs, the driver is confirmed (for example, personal ID information of a smart key), the driving condition (speed, steering angle, brake operation, ABS, air, etc.). The in-vehicle terminal sends information such as bag operation, security information (door lock information, window opening / closing information, security device on / off information, etc.) to the operation management server before the accident or theft, and stores it in the server. By analyzing the data thus obtained, it is also possible to check whether or not the operation has been performed in accordance with the insurance provisions (the range of insurance payment such as age conditions).

Further, it is possible to calculate the more detailed automobile insurance premium by analyzing the distance actually traveled, and classifying it by region, speed, road type and the like.

Further, in order to set a new rate for automobile insurance, detailed data analysis is required. However, with this system, it is possible to always obtain statistical data of various items and accident occurrence rates, Can play an important role in the development of insurance products.

(Other Embodiments) In each of the above embodiments, the operation management server 20 and the insurance company terminal 30 are configured independently of each other. However, the present invention is not limited to this. 30 may be integrally formed.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a network configuration of an insurance premium calculation system according to a first embodiment.

FIG. 2 is a diagram illustrating a hardware configuration of an insurance premium calculation system according to the first embodiment.

FIG. 3 is a flowchart illustrating an overall flow of the insurance premium calculation system according to the first embodiment.

FIG. 4 is a diagram illustrating a hardware configuration of an insurance premium calculation system according to a fourth embodiment.

[Explanation of symbols]

10, 50: On-board terminal, 11, 51: Telematics E
CU, 12, 52: communication device, 20: operation management server,
30 ... Insurer terminal, 40 ... Communication line.

Continued on the front page (72) Inventor Midori Okada 1-1-1, Showa-cho, Kariya-shi, Aichi F-term in DENSO Corporation (reference) 5B055 CA00 CC00 EE01

Claims (6)

[Claims] An automobile insurance premium calculation system for calculating an automobile insurance premium according to a driving situation of a driver of a vehicle, comprising: an in-vehicle terminal (10) mounted on the vehicle; and an insurance company provided in the insurance company. Terminal (30) and the in-vehicle terminal (10)
And an operation management server (20) connected to the insurance company terminal (30) via a communication line (40), wherein the in-vehicle terminal (10) detects driving-related information related to the driving of the driver. The operation management server (20) through the communication line (40), together with the driving information detecting means,
The operation management server (20), wherein the on-board terminal (10)
Means for receiving the driving-related information, driving-state determining means for determining the driving state of the driver based on the driving-related information, and the insurance result via the communication line (40). Transmitting means for transmitting to the company terminal (30), wherein the insurance company terminal (30) is provided with the operation management server (2).
0) means for receiving the determination result of the driving situation from 0), and insurance premium calculation means for calculating an automobile insurance premium based on the determination result. 2. The insurance company terminal (30), wherein the insurance premium calculating means calculates a rebate amount of an automobile insurance premium based on a result of the determination of the driving situation. Car insurance premium calculation system. 3. The insurance company terminal (30) includes an insurance premium calculation table in which at least one of a vehicle-specific insurance premium and an age-specific insurance premium is determined in advance, and further includes the driving situation determination result and the vehicle status determination result. The car insurance premium calculation system according to claim 1 or 2, wherein the calculation of the car insurance premium is performed based on at least one of the type of the vehicle and the age of the driver. 4. An in-vehicle terminal mounted on a vehicle, comprising: means for detecting driving-related information related to driving of a driver of the vehicle; and an insurance company terminal (30) provided in an insurance company. Judgment of the driving situation to be used for calculating the insurance premium of the driver,
An operation management server (2) based on the driving-related information
0), means for transmitting the driving-related information. 5. A means for receiving driving-related information relating to the driving of the driver of the vehicle from a vehicle-mounted terminal (10) mounted on the vehicle, and insurance of the driver at an insurance company terminal (30) provided at an insurance company. A driving condition determining unit that determines a driving condition of the driver to be used for fee calculation based on the driving-related information; and a driving condition transmitting unit that transmits the driving condition determination result to the insurance company terminal (30). An operation management server, comprising: 6. An automobile insurance premium calculating method for calculating an automobile insurance premium according to a driving situation of a driver, wherein the on-vehicle terminal (10) detects driving-related information related to the driving of the driver. Then, the operation-related information is transmitted to the operation management server (20) via the communication line (40) together with the identifier for identifying the vehicle-mounted terminal, and the operation management server (20)
0), the driving situation of the driver is determined based on the driving-related information transmitted from the insurance company terminal (3) via the communication line (40).
0), wherein the insurance company terminal (30) calculates an automobile insurance premium based on the driving situation determination result transmitted from the operation management server (20). Method.