KR102241734B1 - Premium rate offering system with high reliability - Google Patents

Abstract

The present invention relates to a system for providing insurance rates, and analyzes movement risk, participation in accident prevention, and safety index using only a mobile terminal and vehicle ID carried by a driver, and converts accident and traffic information to a plurality of subscriber mobile terminals 100. In addition to providing public transportation, it relates to a system for providing high-reliability insurance rates that is excluded from the calculation of insurance rates when public transportation is being paid.
The present invention is a vehicle ID that provides a mobile terminal carried by a driver and the ID of an insured vehicle to a mobile terminal, and a dynamic information of the subscriber for calculating the insurance premium by being connected to the mobile terminal through a communication network and participating in the risk of movement and accident prevention. A high reliability insurance rate providing system is provided, comprising a subscriber management server that analyzes and manages the degree, and an insurance company server that is connected to the communication network and calculates the insurance rate using information provided from the subscriber management server.

Description

Premium rate offering system with high reliability}

The present invention relates to a system for providing insurance rates, by analyzing movement risk, participation in accident prevention, and safety index using only a mobile terminal and vehicle ID carried by a driver, and converting accident and traffic information to a plurality of subscriber mobile terminals (100). In addition to providing public transportation, it relates to a system for providing high-reliability insurance rates that is excluded from the calculation of insurance rates when public transportation is being paid.

As a background technology for the present invention, there is a system and method technology for analyzing vehicle driving records linked with an insurance company server using a smartphone and an OBD of Korean Patent Registration No. 10-1769102 B1 shown in FIG. 1. This technology transmits OBD data to a smartphone (OBD Data App) through a driving record self-diagnosis device (OBD, On-Board Diagnostics) and short-range communication (Wi-Fi or Bluetooth), A car operation record server that provides SaaS cloud service with GPS location information and OBD data collects OBD data including telematics information of vehicle status and driving behavior, and analyzes big data to record the car operation in case of failure/abnormal operation/accident The analysis result is transmitted to the insurance company server, and the vehicle operation record analysis result is transmitted and displayed from the vehicle operation record server to the OBD data app of the smart device as a personalized service, and the accident prevention and maintenance history is managed. A new concept of Telecommunication + Informatics combined with a new concept of Telecommunication + Informatics is provided that is linked to an insurance company server that provides car insurance processing based on operation information, abnormal operation information (sudden start/sudden turn), breakdown information and accident information. . The system is characterized by comprising a vehicle driving record self-diagnosis device (OBD, On-Board Diagnostics), a smart device equipped with a GPS receiver with an OBD data app installed, a vehicle driving record server, and an insurance company server. However, this technology not only needs to be equipped with an On-Board Diagnostics (OBD) separately in the vehicle, there is a limitation that can be applied only when the driver must drive only the vehicle in which the corresponding OBD is installed.

As another background technology related to the present invention, there is a UBI-based insurance premium rate calculation system and method technology of Korean Patent Publication No. 10-1823015 B1 shown in FIG. 2. This technology relates to a system and method for calculating an insurance premium rate of driver insurance and auto insurance related to driving habits, and a UBI-based premium rate calculation system that can calculate an optimal premium rate by calculating an insurance loss rate having a correlation with driving habits And a method thereof, comprising: a communication type navigation terminal that generates GPS information every predetermined period; A GPS information storage unit that receives and stores the GPS information from the communication-type navigation terminal, an information matching unit that matches location information on a map corresponding to the location coordinates of the GPS information and road information, and a valid among the matched information A communication service provider server comprising an information filtering unit for filtering information, and a driving score calculation unit for calculating a driving score by extracting driving information from the filtered information; Including, the communication type navigation terminal comprising; a customer insurance information storage unit for receiving the service score from the service provider server and storing customer insurance information, and an insurance premium rate calculation unit calculating an insurance premium rate corresponding to the service score. Is, the driving distance is set, and the driving score calculation unit of the communication company server calculates the driving score based on GPS information received during driving of the set driving distance, and the driving score and the encrypted unique identification of the communication-type navigation terminal The code is transmitted to the insurance company server, and the customer insurance information storage unit of the insurance company server stores customer insurance information corresponding to the unique identification code of the communication-type navigation terminal, and through the unique identification code, the operation score and the By combining the customer insurance information of the insurance company server, the insurance premium rate calculation unit may calculate an insurance premium rate corresponding to the number of operating points corresponding to the unique identification code. However, this technology is configured to calculate the driving score by setting the mileage through the communication-type navigation terminal and then executing the navigation and determining only the data on the driving record. There is a problem that it cannot be calculated. In addition, when the driver deliberately drives without performing the navigation, the driving record for the driving time zone, speed limit, sudden acceleration, sudden deceleration, etc. is blocked, so that the correlation between the driving information according to all driving records and the loss ratio can be considered. There is no problem. In addition, drivers may not drive safely if the conditions are met after driving during the mileage corresponding to the discount condition, and the mileage is not constant for each driver every month or quarter, so there is a limit to calculating the safety driving score for each period. have.

As yet another background technology related to the present invention, there is a technology for calculating a car insurance premium and a method for calculating a car insurance premium using the propensity of using public transportation of automobile insurance subscribers of Korean Patent Publication No. 10-1744867B1 shown in FIG. 3. This technology includes the steps of receiving at least one of at least one of at least one of at least one of a transportation card number or at least one supporting data including public transportation use information from a customer terminal; Verifying processing according to a verification condition set for the corresponding evidence when the evidence is received; When receiving a transportation card number, inquiring about public transportation usage information corresponding to the transportation card number from a public transportation usage information collecting institution server; And calculating a car insurance premium by applying a discount rate according to the public transportation use information inquired from the public transportation use information collecting agency server or the public transportation use information included in the input evidence. However, this technology has a problem in that it is inconvenient for a customer to input at least one supporting data including a transportation card number or public transportation usage information through a terminal, making it difficult to grasp the propensity to use public transportation.

KR 10-1769102 B1 KR 10-1823015 B1 KR 10-1744867 B1

The present invention analyzes the risk of movement, participation in accident prevention, and safety index using only the mobile terminal and vehicle ID carried by the driver, and provides accident and traffic information to a plurality of subscriber mobile terminals, as well as when paying for public transportation. As a task to solve, to provide a system for providing high-reliability insurance rates that is excluded from the calculation of insurance rates.

The present invention is a vehicle ID that provides a mobile terminal carried by a driver and the ID of an insured vehicle to a mobile terminal, and a dynamic information of the subscriber for calculating the insurance premium by being connected to the mobile terminal through a communication network and participating in the risk of movement and accident prevention. Provides a high-reliability insurance rate provision system consisting of a subscriber management server that analyzes and manages the degree, and an insurance company server that calculates the insurance rate using information provided from the subscriber management server connected to the communication network as a means of solving problems. do.

The high-reliability insurance rate providing system of the present invention analyzes the risk of movement, participation in accident prevention, and safety index using only the mobile terminal and vehicle ID carried by the driver, and provides accident and traffic information to a plurality of subscriber mobile terminals 100. In addition, it provides a technical effect that guarantees the reliability of the insurance rate by excluding it from calculating the insurance premium rate when public transportation is being paid for.

FIG. 1 is a configuration of a vehicle operation record analysis system and method technology linked with an insurance company server using an OBD and a smartphone as a background technology for the present invention.
FIG. 2 is a configuration of a UBI-based premium rate calculation system and method technology as another background technology related to the present invention.
FIG. 3 is a configuration of a vehicle insurance premium calculation system and a vehicle insurance premium calculation method technology using the propensity to use public transportation of automobile insurance subscribers as another background technology related to the present invention.
Figure 4 is the basic configuration of the present invention
Figure 5 is the structure of the calculation of the safety index of the present invention
Figure 6 is the main operational relationship of the present invention
Figure 7 is a configuration of the mobile terminal 100 of the present invention
Figure 8 is a configuration of the subscriber management server 200 of the present invention
Figure 9 is a configuration of the insurance company server 300 of the present invention

The following content merely exemplifies the principles of the present invention. Accordingly, a person of ordinary skill in the field to which this technology belongs can implement the principles of the present invention and invent various devices and applications included in the concept and scope of the present invention, although not clearly described or illustrated in the present specification. . In addition, all conditional terms and examples listed in this specification are, in principle, clearly intended only for the purpose of understanding the concept of the present invention, and should be understood as not limiting to the embodiments and states specifically listed as described above. do. In addition, it is to be understood that all detailed descriptions listing specific embodiments as well as principles, aspects and embodiments of the present invention are intended to include structural and functional equivalents of these matters.

The above objects, features, and advantages will become more apparent through the following detailed description in connection with the accompanying drawings. In describing the present invention, when it is determined that a detailed description of a related known technology may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Fig. 4 shows the basic configuration of the present invention. The system for providing high reliability insurance rates of the present invention provides a vehicle ID that provides the ID of the mobile terminal 100 carried by the driver and the insured vehicle to the mobile terminal 100 and connects the mobile terminal 100 with a communication network. The subscriber management server 200 analyzes and manages the risk of movement and participation in accident prevention as dynamic information of the subscriber for calculating the insurance premium rate, and the information provided from the subscriber management server 200 connected to the communication network is used. It consists of an insurance company server 300 that calculates the insurance rate. The vehicle ID is provided to recognize whether the driver is driving the insured vehicle by providing the ID of the insured vehicle to the mobile terminal 100 as a short-range communication means. The vehicle ID may be configured to provide only the ID information of the insured vehicle to the mobile terminal 100 through a short-range channel such as radio frequency ID (RFID), near field communication (NFC), Bluetooth, and WiFi.

Figure 5 shows the structure of the safety index calculation of the present invention. In the system for providing high reliability insurance rates of the present invention, the subscriber management server 200 analyzes the risk of movement and the degree of participation in accident prevention by using information provided through the mobile terminal 100 carried by the driver. Table 1 below shows an example of setting items for movement risk analysis.

Main item Mobile device movement risk analysis criteria
Danger; Differential levels can be applied for each item
D0, D1, D2, D3, D4, ...Dn By road
Moving specific gravity In case of self-driving, it is divided into highway / road / road / road.
The proportion of movement by about 160,000 roads-Matching the accident rate by road
→ Risk analysis By road
Moving average speed When self-driving, about 160,000 roads across the country are matched with speed exceeding the limit.
→ Analysis of average risk of excess number and rate of excess Transit time When self-driving, risk analysis by travel time zone
/ Day (10 a.m.-5 p.m.) / Night (2 p.m.-6 p.m.) monthly
Number of self-driving Risk analysis according to the number of self-driving, weekly or monthly Car day system
Sign up and comply On car holidays, check with a mobile device, not an electronic tag (RFID)
Risk analysis according to the violation of regulations by local governments Number of sudden stops Number of sudden stops detected by the mobile terminal's gyro sensor

Table 2 below shows an example of an accident prevention participation degree analyzed by the subscriber management server 200.

Main item Criteria for analyzing participation in accident prevention (P)
Accident prevention participation; Differential levels can be applied for each item
P0, P1, P2, P3, P4, ... Pm Report in case of breakdown or accident In case of breakdown or accident, report on mobile device and actual report
Analysis of participation in the prevention of secondary accidents When driving at speed
Automatic voice guidance and
When driving over a certain speed
Automatic rejection text transmission When self-driving, about 160,000 roads across the country are matched with speed exceeding the limit.
Automatic voice guidance agreement and over a certain speed when driving over speed
Prevent accidents by consenting to automatic transmission of rejection text when driving
Participation Analysis Dangerous situation
Radio reception and automatic notification When a dangerous situation occurs in front of the driving road and within the set range
Analysis of participation in accident prevention according to disaster propagation, automatic reception and notification In case of an unconscious accident
Automatic emergency rescue report During single driving, in case of an unconscious accident, the accident detection terminal and
As an automatic report of emergency rescue and emergency rescue report according to automatic execution
Securing golden time for demanders and analysis of participation in the prevention of secondary accidents According to the parking location
Vehicle moving parking information Heavy rain depending on the parking location such as river parking lot and alley parking lot,
According to vehicle movement request and notification consent for dispatch of fire engines, etc.
Analysis of participation in accident prevention

The subscriber management server 200 uses the information provided through the mobile terminal 100, and the weight D representing the correlation with the insurance loss ratio according to the movement risk (D) analysis of Table 1 in the subscriber management server 200 ( Safety index (S = D + P) by calculating the weight P (P0 ~ Pm) representing the correlation between D0 ~ Dn) and the insurance loss rate according to the accident prevention participation level (P) analysis in Table 2, and adding the respective weights (S = D + P) ) Is calculated. The process of calculating the safety index (S=D+P) calculated from the movement risk weight D and the accident prevention participation weight P for each mobile terminal 100 described above is illustrated in FIG. 5.

Referring to FIG. 5, the system for providing high reliability insurance rates according to the present invention calculates a movement risk weight D by road, movement weight, moving average speed, travel time zone, number of self-driving by month, and whether or not to comply with the day of the week. do.

For example, a weight can be designated as D0 to Dn based on the number of times the speed limit has been violated by comparing the movement record for each road of the mobile terminal 100 and the speeding standard for each road. In addition, the weight can be calculated as D0 for 3 days or less, D1 for 4-7 days, and D1 for 8-14 days, based on the number of driving days according to the number of monthly self-driving times.

In addition, the correlation can be calculated as D0 for 0 violations, D1 for 1 violation, D2 for 2 violations, etc. through mobile device authentication for the day-of-week subscription mobile device. In addition, it may be calculated by assigning weights even when using public transportation for more than a certain period by month or week based on the amount and time of mobile payment of the mobile terminal 100 using public transportation such as subway or bus.

In addition, the movement risk may be calculated based on the number of sudden stops of the driver using a gyro sensor provided in the mobile terminal 100. That is, the number of sudden stops of the driver may be detected using the gyro sensor provided in the mobile terminal 100 and weights from D0 to Dn may be calculated according to the number of times. In addition, the gyro sensor provided in the mobile terminal 100 may detect an accident impact such as a collision or a collision.

The system for providing high reliability insurance rates according to the present invention has a weight P (P0 ~ Pm) of participation in accident prevention according to the number of information provided by the mobile terminal 100, including real-time mobile real-time reporting of breakdowns and accidents, and emergency rescue reports in case of an accident. Is given. In this case, the subscriber management server 200 may notify an unexpected situation in front of the provided driving road, a voice guidance when a certain speed is exceeded, and a disaster situation within a certain area.

The safety index (S = D + P) is, for example, the correlation between the risk of movement (D) and the insurance loss rate according to the degree of participation in accident prevention (P) as described above;

-Moving average speed by road: 0 times of excess violation, risk = D0

-Number of self-driving vehicles per month: 23 days, risk = D9

-Join and comply with the day-of-week system: 0 violations, risk = D0

-Mobile report in case of breakdown or accident: App installation and actual report once, accident prevention participation rate = P2

-Automatic reception and automatic notification of dangerous situations: consent to reception notification, participation in accident prevention = P1

-Automatic report of emergency rescue in case of unconscious accident: terminal installation and automatic report agreement, participation in accident prevention = P3

The safety index (S) is each given and calculated therefrom is;

S = (D0) + (D9) + (D0) + (P2) + (P1) + (P3).

As can be seen from the example, since the safety index (S) is calculated by the sum of the risk weight D and the accident prevention participation weight P, preferably the risk weight D is a negative weight value and the accident prevention participation weight P is a positive weight. It is reasonable to obtain the safety index (S) by setting it as a weight value.

At this time, the weight value for each major item for movement risk (D) and accident prevention participation (P) may be set differently by considering the correlation with the insurance loss ratio for each insurance company, and the insurance loss ratio and the insurance loss ratio for the safety index (S) can be set differently. Correlation between insurers can also vary by insurance company.

Fig. 6 shows the main operational relationship of the system for providing high reliability insurance rates according to the present invention. The present invention analyzes and manages a driver's mobile terminal 100 connected through a communication network, an in-vehicle ID that provides the ID of an insured vehicle mounted on the vehicle to the mobile terminal 100, and the degree of movement risk and accident prevention participation. It consists of a subscriber management server 200, and an insurance company server 300 that calculates the insurance rate.

1. The mobile terminal 100 extracts the current GPS coordinates every set time interval (1 to 30 minutes), calculates a moving distance from this, and converts it into a moving speed, and converts the current GPS coordinates and the near distance from the in-vehicle module. The vehicle ID and the current time provided through communication are transmitted to the subscriber management server 200. At this time, the mobile terminal 100 may transmit an emergency stop signal detected by the gyro sensor and information on accidents of the own vehicle and other vehicles. When a driver carrying the mobile terminal 100 uses public transportation, the mobile terminal 100 The state of whether to use public transportation is also transmitted according to the operation of the provided public transportation payment unit.

Accordingly, the mobile terminal 100 transmits information including the moving speed of the vehicle, the ID of the vehicle, the current time, accident information, and public transportation use status to the subscriber management server 200.

2. The subscriber management server 200 uses information including the current GPS coordinates, the moving speed of the vehicle, the ID of the vehicle, the current time, accident information, and the state of use of public transportation, provided from the mobile terminal 100. (D) and accident prevention participation (P) and safety index (S = D + P) are calculated. When the accident information is provided from the mobile terminal 100 or the vehicle movement speed is repeatedly low (20 km/hour), the subscriber management server 200 determines that it is a traffic jam and uses the accident and traffic information as a number of subscribers. It is provided to the mobile terminal 100. At this time, the subscriber management server 200 includes an electronic map including a road name, a road code, and an allowable speed for each road, and the road name, road code, and road corresponding to the current GPS coordinates provided from the mobile terminal 100 are provided. With reference to the allowable speed, accident and traffic information is propagated to a plurality of subscriber mobile terminals 100. Each of the plurality of mobile terminals 100 may selectively display accident and traffic information to the driver by referring to the current GPS coordinates for each mobile terminal 100.

In addition, the subscriber management server 200 provides information on a movement risk (D), an accident prevention participation (P), and a calculated safety index (S = D + P) to the insurance company server 300.

At this time, if the state of use while paying for public transportation is transmitted from the mobile terminal 100, it is determined that the user is on public transportation, and the risk of movement (D), participation in accident prevention (P), and safety index (S = D + P) is not calculated.

3. The insurance company server 300 uses the information on the movement risk (D) and accident prevention participation (P) and the calculated safety index (S = D + P) provided from the subscriber management server 200 to the subscriber's insurance premium rate. And provides additional information and safety index information for each period of day, month, and quarter to the subscriber mobile terminal 100.

Therefore, the system for providing high reliability insurance rates of the present invention analyzes the risk of movement, participation in accident prevention, and safety index using only the mobile terminal 100 and vehicle ID carried by the driver, and transfers accident and traffic information to a number of subscribers. In addition to providing to the terminal 100, in the case of payment for public transportation, insurance rates with high reliability can be provided by not calculating the insurance rates.

Fig. 7 shows the configuration of a mobile terminal 100 carried by a driver in the system for providing high reliability insurance rates according to the present invention.

The mobile terminal 100 of the present invention,

A mobile processor 102 for performing communication and control of the mobile terminal 100;

An RF interface 104 for accessing a communication network of the mobile terminal 100;

A GPS extraction unit 106 for detecting and providing the coordinates of the geographic location of the mobile terminal 100;

A clock timer 108 for setting a time interval for extracting the geographical position coordinates of the mobile terminal 100 from the GPS extraction unit 106 and providing current time information;

A movement speed calculation unit 110 that calculates a movement speed using a time interval set in the clock timer 108 and a change in the coordinates of the previous and current geographic positions of the mobile terminal 100 extracted from the GPS extraction unit 106;

A gyro sensor 112 for detecting an impact applied to the mobile terminal 100 to detect a sudden stop, a collision or a collision;

A short-range communication unit 114 for storing the ID of the insured vehicle and receiving the ID of the vehicle from the vehicle ID mounted on the insured vehicle;

A traffic information storage unit 116 for storing traffic information transmitted from the subscriber management server 200;

A transportation card public transportation payment unit 118 that embeds a transportation card or performs a mobile payment function when using public transportation and provides a state of starting and ending use of public transportation to the mobile processor 102;

A member ID storage unit 120 for storing the ID of the mobile terminal 100;

It consists of

Therefore, the mobile processor 102 of the mobile terminal 100 of the present invention extracts the current GPS coordinates from the GPS extraction unit 106 at every time interval (1 minute to 30 minutes) set by the clock timer 108, and The moving distance is calculated from the moving distance and converted to the moving speed through the moving speed calculating unit 110, and the vehicle ID and current GPS coordinates provided through the short-range communication unit 114 from the in-vehicle module, and the clock timer 108 are provided. Information including the current time and public transportation use state is transmitted to the subscriber management server 200 via the RF interface 104.

FIG. 8 shows the configuration of a subscriber management server 200 in the system for providing high reliability insurance rates according to the present invention.

Subscriber management server 200 of the present invention,

A mobile communication network connection unit 202 for accessing a communication network of the subscriber management server 200;

A server controller 204 for controlling the subscriber management server 200;

An accident/traffic information buffer 206 for storing accident information and traffic information for transmission to a plurality of subscriber mobile terminals 100;

An accident/traffic data buffer 208 for storing traffic information including traffic jams and accident information provided from the mobile terminal 100;

Movement risk (D) and accident prevention participation (P) using information including the current GPS coordinates, vehicle movement speed, vehicle ID, current time, accident information, and public transportation use status provided from the mobile terminal 100 ) And a safety index (S = D + P) for calculating the degree of risk and participation (212);

A road information DB 214 that stores road name, road code, and allowable speed information for each road;

An electronic map DB 216 that includes a road name and corresponds to GPS coordinates;

It consists of

Accordingly, the server controller 204 of the subscriber management server 200 of the present invention includes the current GPS coordinates provided from the mobile terminal 100 through the mobile communication network connection unit 202, the vehicle movement speed, the vehicle ID, and the current time. , From information including accident information and public transportation use status, the movement risk (D), accident prevention participation (P) and safety index (S = D + P) are calculated through the risk and participation calculation unit 212. , When the state of use during payment for public transportation is transmitted from the mobile terminal 100, it is determined that the user is on public transportation, and the risk of movement (D), participation in accident prevention (P), and safety index (S = D + P) is excluded from the calculation,

If the moving speed of the vehicle provided from the mobile terminal 100 is repeatedly low or if accident information is provided, it is determined as a traffic jam, and it is stored in the accident/traffic information buffer 206 as accident and traffic information, and the mobile communication network connection unit ( Provides to a number of subscriber mobile terminals 100 via 202),

The subscriber management server 200 searches for a road information DB 214 including a road name, a road code, and an allowable speed for each road, and an electronic map DB 216 including the road name and corresponding to the GPS coordinates, and ) By referring to the road name of the road corresponding to the current GPS coordinates, road code, and permissible speed for each road, and propagating the accident and traffic information to a number of subscribers' mobile terminals 100, and participating in the risk of movement (D) and accident prevention. Figure (P) and the calculated safety index (S = D + P) information is provided to the insurance company server (300).

FIG. 9 shows the configuration of an insurance company server 300 in the system for providing high reliability insurance rates according to the present invention.

Insurance company server 300 of the present invention,

A communication unit 302 for accessing a communication network with the mobile terminal 100 and the subscriber management server 200;

A server control unit 304 for overall control of the insurance company server 300;

A transmission data buffer 306 for storing additional service information provided to the mobile terminal 100;

An insurance premium rate calculation unit 308 that calculates an insurance rate for each subscriber using the mobility risk (D), accident prevention participation (P) and safety index (S = D + P) provided from the subscriber management server 200;

An insurance subscriber information DB 310 for storing subscription information of insurance subscribers;

In-vehicle ID DB 312 for storing vehicle ID information of insured vehicles;

A movement risk DB 314 for storing the movement risk D provided from the subscriber management server 200 in correspondence with subscription information of insurance subscribers;

It consists of an accident prevention participation degree DB 316 that stores the accident prevention participation degree (P) provided from the subscriber management server 200 in correspondence with the subscription information of the insurance subscribers.

Therefore, the server control unit 304 of the insurance company server 300 of the present invention includes a subscriber movement risk (D) and accident prevention participation (P) and a calculated safety index (S = D + P) from the subscriber management server 200. When information and insurance subscriber information are provided through the communication unit 302, and if it is determined as a subscriber by referring to the insurance subscriber information DB 310, the insurance premium rate of the subscriber is calculated through the insurance premium rate calculation unit 308, and the subscriber management The movement risk (D) provided from the server 200 is stored in the movement risk DB 314 by corresponding to the subscription information of the insurance subscribers, and the accident prevention participation rate (P) provided from the subscriber management server 200 is registered to the insurance subscriber. Corresponds to the subscribers' subscription information and stores the accident prevention participation DB 316, and provides additional information and safety index and additional information for each period of the day, month, and quarter to the subscriber mobile terminal 100 through the communication unit 302. .

The high-reliability insurance rate providing system of the present invention described above analyzes movement risk, accident prevention participation, and safety index using only the mobile terminal and vehicle ID carried by the driver, and provides accident and traffic information to a number of subscribers. In addition to providing to the mobile terminal 100, insurance rates with high reliability are provided by not calculating insurance rates when paying for public transportation.

The system for providing high reliability insurance rates using the mobile device of the present invention is described by the limited embodiments and drawings, but the present invention is not limited thereto, and those of ordinary skill in the art to which the present invention pertains. It goes without saying that various modifications and variations are possible within the scope of the technical spirit of the present invention and the claims to be described below.

100: mobile terminal 102: mobile processor
104: RF interface 106: GPS extraction unit
108: clock timer 110: movement speed calculation unit
112: gyro sensor 114: short-range communication unit
116: transportation information storage unit 118: public transportation payment unit
120: member ID storage unit 200: subscriber management server
202: mobile communication network connection unit 204: server controller
206: accident/traffic information buffer 208: accident/traffic data buffer
210: Subscriber DB 212: Risk and participation calculation unit
214: road information DB 216: electronic map DB
300: insurance company server 302: communication unit
304: server control unit 306: transmission data buffer
308: insurance premium rate calculation unit 310: insurance subscriber information DB
312: Vehicle ID DB 314: Movement risk DB
316: Accident prevention participation DB

Claims (7)

Consisting of a vehicle ID, a subscriber management server 200, and an insurance company server 300 that provide the driver's mobile terminal 100 connected to the communication network and the ID of the insured vehicle to the mobile terminal 100 as a short-range communication means. In the system for providing high reliability insurance rates,

The mobile terminal 100,
The current GPS coordinates are extracted at each set time interval, and the moving distance is calculated and converted to the moving speed, and the current GPS coordinates are converted to the vehicle ID, the current time, and the gyro sensor provided through short-range communication from the in-vehicle module. The operation of the public transportation payment unit provided in the mobile terminal 100 when the driver carrying the mobile terminal 100 uses public transportation and transmits the detected sudden stop signal and the accident occurrence information of the own vehicle and other vehicles input from the user. Depending on whether or not public transportation is used, information including the moving speed of the vehicle, the ID of the vehicle, the current time, accident information, and the public transportation use status is transmitted to the subscriber management server 200,

The subscriber management server 200,
Movement risk (D) and accident prevention participation (P) using information including the current GPS coordinates, vehicle movement speed, vehicle ID, current time, accident information, and public transportation use status provided from the mobile terminal 100 ) And safety index (S = D + P), and by referring to the road name, road code, and permissible speed of the road corresponding to the current GPS coordinates provided from the mobile terminal 100, a number of accident and traffic information can be obtained. It propagates to the subscriber mobile terminal 100,

The insurance company server 300,
Using the movement risk (D), accident prevention participation (P), and calculated safety index (S = D + P) information provided from the subscriber management server 200, the subscriber's insurance premium is calculated, and additional information and day, High reliability insurance rate providing system, characterized in that it is configured to provide the monthly and quarterly safety index for each period to the subscriber mobile terminal 100
The method of claim 1, wherein the mobile terminal 100,
A mobile processor 102 for performing communication and control of the mobile terminal 100;
An RF interface 104 for accessing a communication network of the mobile terminal 100;
A GPS extraction unit 106 for detecting and providing the coordinates of the geographic location of the mobile terminal 100;
A clock timer 108 for setting a time interval for extracting the geographical position coordinates of the mobile terminal 100 from the GPS extraction unit 106 and providing current time information;
A movement speed calculation unit 110 that calculates a movement speed using a time interval set in the clock timer 108 and a change in the coordinates of the previous and current geographic positions of the mobile terminal 100 extracted from the GPS extraction unit 106;
A gyro sensor 112 for detecting an impact applied to the mobile terminal 100 to detect a sudden stop, a collision or a collision;
A short-range communication unit 114 for storing the ID of the insured vehicle and receiving the ID of the vehicle from the vehicle ID mounted on the insured vehicle;
A traffic information storage unit 116 for storing traffic information transmitted from the subscriber management server 200;
A transportation card public transportation payment unit 118 that embeds a transportation card or performs a mobile payment function when using public transportation and provides a state of starting and ending use of public transportation to the mobile processor 102;
A member ID storage unit 120 for storing the ID of the mobile terminal 100;
And,
The mobile processor 102,
The current GPS coordinates are extracted from the GPS extraction unit 106 every time interval (1 minute to 30 minutes) set by the clock timer 108, and
From this, the moving distance is calculated and converted into a moving speed through the moving speed calculating unit 110,
Information including the vehicle ID and the current GPS coordinates, the current time provided from the clock timer 108, and the public transportation use state provided through the short-distance communication unit 114 from the vehicle-mounted module through the RF interface 104 High reliability insurance rate providing system, characterized in that configured to transmit to the subscriber management server (200)
delete The method of claim 1, wherein the subscriber management server 200,
A mobile communication network connection unit 202 for accessing a communication network of the subscriber management server 200;
A server controller 204 for controlling the subscriber management server 200;
An accident/traffic information buffer 206 for storing accident information and traffic information for transmission to a plurality of subscriber mobile terminals 100;
An accident/traffic data buffer 208 for storing traffic information including traffic jams and accident information provided from the mobile terminal 100;
Movement risk (D) and accident prevention participation (P) using information including the current GPS coordinates, vehicle movement speed, vehicle ID, current time, accident information, and public transportation use status provided from the mobile terminal 100 ) And a safety index (S = D + P) for calculating the degree of risk and participation (212);
A road information DB 214 that stores road name, road code, and allowable speed information for each road;
An electronic map DB 216 that includes a road name and corresponds to GPS coordinates;
And,
The server controller 204,
From information including the current GPS coordinates, the moving speed of the vehicle, the ID of the vehicle, the current time, accident information, and the state of public transportation, provided from the mobile terminal 100 through the mobile communication network connection unit 202,
Calculate the risk of movement (D), participation in accident prevention (P), and safety index (S = D + P) through the risk and participation calculation unit 212,
When the state of use while paying for public transportation is transmitted from the mobile terminal 100, it is determined that the user is on public transportation, and the risk of movement (D), participation in accident prevention (P), and safety index (S = D + P) is excluded from the calculation,
If the moving speed of the vehicle provided from the mobile terminal 100 is repeatedly low or if accident information is provided, it is determined as a traffic jam, and it is stored in the accident/traffic information buffer 206 as accident and traffic information, and the mobile communication network connection unit ( Provides to a number of subscriber mobile terminals 100 via 202),
The subscriber management server 200 searches for a road information DB 214 including a road name, a road code, and an allowable speed for each road, and an electronic map DB 216 including the road name and corresponding to the GPS coordinates, and ), propagating accident and traffic information to a plurality of subscriber mobile terminals 100 by referring to the road name, road code, and permissible speed of the road corresponding to the current GPS coordinates provided from ),
High reliability insurance rate providing system, characterized in that it is configured to provide information on the risk of movement (D), participation in accident prevention (P), and calculated safety index (S = D + P) to the insurance company server 300
delete The insurance company server 300 according to claim 1, which is connected to the communication network and connected to the subscriber management server 200,
A communication unit 302 for accessing a communication network with the mobile terminal 100 and the subscriber management server 200;
A server control unit 304 for overall control of the insurance company server 300;
A transmission data buffer 306 for storing additional service information provided to the mobile terminal 100;
An insurance premium rate calculation unit 308 that calculates an insurance premium for each subscriber using the mobility risk (D), accident prevention participation (P) and safety index (S = D + P) provided from the subscriber management server 200;
An insurance subscriber information DB 310 for storing subscription information of insurance subscribers;
In-vehicle ID DB 312 for storing vehicle ID information provided by the mobile terminal 100 as a short-distance communication means for the ID of the insured vehicle;
A movement risk DB 314 for storing the movement risk D provided from the subscriber management server 200 in correspondence with subscription information of insurance subscribers;
An accident prevention participation degree DB 316 for storing the accident prevention participation degree P provided from the subscriber management server 200 in correspondence with the subscription information of the insurance subscribers;
And,
The server control unit 304,
Subscriber movement risk (D), accident prevention participation (P), and calculated safety index (S = D + P) information and insurance subscriber information are provided from the subscriber management server 200 via the communication unit 302,
If it is determined as a subscriber with reference to the insurance subscriber information DB 310, the insurance premium rate of the subscriber is calculated through the insurance premium rate calculation unit 308,
The movement risk (D) provided from the subscriber management server 200 is stored in the movement risk DB 314 by corresponding to the subscription information of the insurance subscribers,
The accident prevention participation degree (P) provided from the subscriber management server 200 is stored in the accident prevention participation degree DB 316 by corresponding to the subscription information of the insurance subscribers,
High reliability insurance rate providing system, characterized in that it is configured to provide additional information and safety index for each period of day, month, and quarter to the subscriber mobile terminal 100 through the communication unit 302

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