KR20210136339A - System and method for providing accident rental car service - Google Patents

Abstract

The present invention relates to a system for providing a rental car service for an accident car, which quickly arranges a car wanted by a customer of an accident in a short time, and a method thereof. According to the present invention, the system comprises: a user terminal having a rental car service application for an accident car for a user installed therein and setting driver information and accident vehicle information, which are information requested to receive a rental car service for an accident car, through the application to request the rental car service for an accident car; a car rental company terminal having a rental car service application for an accident car for rental car company installed therein and receiving a quotation in response to a rental car service request for an accident car; and a server providing the rental car service for an accident car requesting a rental car service for an accident car to a rental car company terminal of a rental car company located within a predetermined distance when receiving the rental car service request for an accident car including the driver information and the accident vehicle information from the user terminal, generating a list of quotations on the basis of the quotation received from the car rental company terminal in response to the rental car service request for an accident car and providing the list to the user terminal, and proceeding with a car rental agreement for an accident car on the basis of the quotation selected from the user terminal.

Description

SYSTEM AND METHOD FOR PROVIDING ACCIDENT RENTAL CAR SERVICE

The present invention relates to a system and method for providing an accident borrowing service, and more particularly, to a system and method for providing an accident borrowing service that allows the accident borrowing service according to an insurance contract to be easily performed through an app during a vehicle accident.

In general, when a traffic accident or breakdown occurs, the accident customer contacts the insurance company, reports the accident and proceeds with post-processing, and, if necessary, can receive rental vehicle support according to the insurance contract.

In the case of rental car support, the insurance company representative (for example, compensation and staff) arranges and provides the vehicle the accident customer wants. You will be asked to rent a car.

In this way, when an insurance company employee directly arranges a vehicle desired by an accident customer, the insurance company employee must contact each rental car company directly to check whether the vehicle the accident customer wants is available. have.

In particular, when the vehicle that the accident customer wants is a rare vehicle or there is a specific requirement such as an additional option, there is a problem that it takes more time to arrange the vehicle.

Korean Patent Publication No. 10-1721011 (published on March 29, 2017)

The present invention has been devised to solve this problem, and it is an object of the present invention to provide a system and method for providing an accident loan service that enables simple application of an accident loan service according to an insurance contract in the event of a vehicle accident.

In the accident loan service providing system according to an embodiment of the present invention for achieving the above object, the user's accident loan service application is installed, and necessary to receive the accident loan service through the user accident loan service application a user terminal that receives driver information and accident vehicle information, which are information, and requests an accident vehicle; A car rental company terminal that is installed with an accident loan service application for a rental car company, and receives a quote in response to an accident loan request; And when receiving an accident bogie request including driver information and accident vehicle information from the user terminal, request an accident loan to a car rental company terminal of a car rental company located within a certain distance based on the driver's current location information, and request an accident loan Accident loan service providing server that generates a quote list based on the quote received from the rental car company terminal in response to it, provides it to the user terminal, and proceeds with a loan agreement based on the quote selected from the user terminal It is preferable to include;

In an embodiment of the present invention, the accident loan service providing server includes: a rental car company registration unit that receives information required for registration of a rental car company from a rental car company terminal, stores it in a rental car company DB, and manages it; And according to the accident loan request received from the user terminal, based on the driver's current location information included in the accident loan request, request an accident loan to a rental car company terminal of a rental car company located within a certain distance, and request the accident loan In response, a list of quotations is generated based on the quotation received from the car rental company terminal and provided to the user terminal, and if there is a loan contract request based on the quotation selected from the user terminal, a contract screen is provided. It is preferable to include; a service providing unit to proceed with the accident loan contract.

In one embodiment of the present invention, it is preferable that the service providing unit provides accident loan contract information to the insurance company server of the driver's insurance company when the accident loan contract is completed.

In one embodiment of the present invention, it is preferable that the service providing unit provides information corresponding thereto to the insurance company server of the driver's insurance company when the accident bogie for which the accident loan agreement is completed is delivered or returned to the driver.

In the accident bogie service providing method according to an embodiment of the present invention, the service providing unit of the accident bogie service providing server receives an accident loan request including driver information and accident vehicle information from a user terminal connected to receive the accident borrowing service. receiving; requesting, by the service providing unit, an accident loan to a rental car company terminal of a rental car company located within a certain distance based on the current location information of the driver who requested the accident loan; generating, by the service providing unit, a quote list based on at least one quote received from a rental car company terminal in response to an accident loan request, and providing it to the user terminal; and if there is a contract request for the quotation selected from the user terminal by the service providing unit, performing a loan contract based on the selected quotation.

In one embodiment of the present invention, the service providing unit, when the accident loan contract is completed, providing the accident loan contract information to the insurance company server of the driver's insurance company; it is preferable to further include.

In one embodiment of the present invention, the service providing unit, when the accident bogie for which the accident loan contract is completed is delivered or returned to the driver, providing information corresponding thereto to the insurance company server of the driver's insurance company; it is preferable to further include .

In the accident loan service providing system and method of the present invention, in the event of a vehicle accident, by simply performing the accident loan service according to the insurance contract through the app, it is possible to arrange the vehicle desired by the accident customer in a short time.

1 is a diagram schematically showing the configuration of a system for providing an accident loan service according to an embodiment of the present invention.
2 is a diagram schematically showing the configuration of an accident loan service providing server applied to the present invention.
3 is a flowchart illustrating a method of providing an accident loan service according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0012] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0014] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] Reference is made to the accompanying drawings, which show by way of illustration specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention with respect to one embodiment. In addition, it should be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the following detailed description is not intended to be taken in a limiting sense, and the scope of the present invention, if properly described, is limited only by the appended claims, along with all scope equivalents to those claimed. Like reference numerals in the drawings refer to the same or similar functions throughout the various aspects.

Hereinafter, a system and method for providing an accident loan service according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram schematically showing the configuration of a system for providing an accident loan service according to an embodiment of the present invention.

As shown in FIG. 1 , the system for providing a loan service according to an embodiment of the present invention may include a user terminal 10 , a rental car company terminal 20 , an accident loan service providing server 100 , and the like.

The user terminal 10 may be installed with an accident loan service application for the user.

The user terminal 10 connects to the accident loan service providing server 100 through a wired/wireless communication network as the user's accident loan service application is activated according to the operation of the user (for example, an insurance company employee, an assailant or damaged driver, etc.) Various types of information can be exchanged to receive accident loan service.

The user terminal 10 receives the information necessary to receive the accident loan service from the user (eg, perpetrator or damaged driver information, accident vehicle information, vehicle information desired by the perpetrator or damaged driver, period of use, etc.) An accident loan may be requested from the service providing server 100 .

Here, the perpetrator or damaged driver information may include the driver's name, age, contact phone number, current location information (or area of use), and the like, who will drive the accident bogie. Current location information (or area of use) may be selected by the user, and GPS information obtained from the user terminal 10 may be used.

Accident vehicle information may include insurance company information of the perpetrator or victim driver, accident receipt number, accident vehicle name, vehicle number of the accident vehicle, negligence and ratio, and the like.

Vehicle information desired by the perpetrator or victim driver may include a vehicle name, year, options, and the like.

The user terminal 10 may output the quote list provided from the accident loan service providing server 100 on the screen and provide it to the user.

When the user terminal 10 receives a selection from the user from any one of the quotation list provided from the accident loan service providing server 100, detailed information about the selected quotation content (eg, vehicle name, color, year, vehicle option, vehicle status, etc.) can be output to the screen and provided to the user.

The user terminal 10 displays the selected plurality of quotes together in response to a quote comparison request for a plurality of quotes selected from the user from the quote list provided from the accident loan service providing server 100 so that the user can compare the quoted contents. make it possible

The user terminal 10 requests the accident loan service providing server 100 for consultation with the rental car company that has presented the quotation selected by the user, and in response to the request, the consultation screen provided by the accident loan service providing server 100 is displayed. You can conduct online consultation with the car rental company through this.

The user terminal 10 requests an accident loan agreement based on the quotation selected by the user to the accident loan service providing server 100, and in response thereto, through the contract screen provided by the accident loan service providing server 100 You can proceed with an accident loan agreement with the rental car company that provided the quote.

After the user terminal 10 is provided with the accident loan service, the user terminal 10 may perform an evaluation of the rental car company that performed the accident loan. Here, the evaluation may include a rating, a price after use, and the like.

The user terminal 10 may be implemented as a PC, a laptop computer, a tablet PC, a smart phone, etc. that can receive the accident loan service by accessing the accident loan service providing server 100 through a wired/wireless communication network.

The rental car company terminal 20 may be installed with an accident loan service application for a rental car company.

The car rental company terminal 20 activates the accident loan service application for the rental car company according to the operation of the car rental company employee, connects to the accident loan service providing server 100 through the wired/wireless communication network, receives the information necessary for registering the rental car company, and receives the accident loan It may be transmitted to the service providing server 100 .

Here, the information required for registration of a rental car company may include the name of the rental car company, address of the rental car company, contact phone number, service area, vehicle type and number, and the like.

When the rental car company terminal 20 receives the accident loan request from the accident loan service providing server 100, it notifies the rental car company staff, and vehicle information included in the accident loan request (eg, accident vehicle information, perpetrator or Based on the vehicle information desired by the victim driver, period of use, etc) It may be transmitted to the loan service providing server 100 .

The rental car company terminal 20 may receive a plurality of quotes for one accident loan request and provide them as a response to the accident loan request.

After receiving the accident loan request from the accident loan service providing server 100 , the rental car company terminal 20 may classify and display the accident loan request after a predetermined time has elapsed or the contract is completed.

The rental car company terminal 20 may receive an estimate for each vehicle type owned by the rental car company and pre-register it in the accident loan service providing server 100 .

The rental car company terminal 20 may conduct an online consultation with a user who wants an accident loan agreement through a consultation screen provided by the accident loan service providing server 100 .

The rental car company terminal 20 may perform an accident loan agreement with a user who desires an accident loan agreement through the contract screen provided by the accident loan service providing server 100 .

The rental car company terminal 20 may be implemented as a PC, a laptop computer, a tablet PC, a smart phone, etc. that can receive the accident loan service by accessing the accident loan service providing server 100 through a wired/wireless communication network.

The accident loan service providing server 100 inputs information (eg, car rental company name, car rental company address, contact phone number, serviceable area, vehicle type and number, etc.) required for registration of a rental car company from the rental car company terminal 20 . You can manage it by storing it in the rental car company DB.

The accident cart service providing server 100 may receive an accident cart request including driver information, accident vehicle information, and vehicle information desired by the driver from the user terminal 10 .

The accident loan service providing server 100 is a rental car company terminal 20 of a rental car company located within a certain distance based on the driver's current location information among the driver information included in the accident loan request received from the user terminal 10. Accidental loan requests can be forwarded.

The accident loan service providing server 100 may generate a quote list based on the quote received from the rental car company terminal 20 in response to the accident loan request and provide it to the user terminal 10 .

The accident loan service providing server 100 is based on the driver's current location information included in the driver information according to the accident loan request, accident vehicle information, the vehicle the driver wants from among the quotes previously registered from the rental car company located within a certain distance. It is possible to search for the most suitable quotation content based on the information, create a quotation list based on the searched quotation content, and provide it to the user terminal 10 .

The accident loan service providing server 100 may proceed with a loan agreement based on the quotation selected from the user terminal 10 .

As shown in FIG. 2 , the accident loan service providing server 100 includes a communication unit 110 , a rental car company registration unit 120 , a rental car company DB 130 , an estimate contents registration unit 140 , an estimate contents DB 150 , service It may include the providing unit 160 , the contract information DB 170 , and the like.

In this configuration, the communication unit 110 may communicate with the user terminal 10 and the rental car company terminal 20 connected through a wired/wireless communication network.

The rental car company registration unit 120 is the rental car company terminal 20 connected through the wired/wireless communication network, and information necessary for registering the rental car company (eg, the name of the rental car company, the address of the rental car company, contact phone number, service area, vehicle types and number of vehicles owned) etc.) can be provided upon request.

The rental car company registration unit 120 that has received information necessary for registering a rental car company from the rental car company terminal 20 may store and manage the rental car company registration information provided from the rental car company terminal 20 in the rental car company DB 130 . .

Here, the rental car company registration unit 120 may classify each rental car company information by region and store and manage it in the rental car company DB 130 .

The rental car company DB 130 may store information about each rental car company registered through the rental car company registration unit 120 .

The rental car company DB 130 may store ratings, user reviews, and the like for each rental car company.

The quote contents registration unit 140 may store and manage the quote contents provided from the rental car company terminal 20 in the quote contents DB 150 .

The service providing unit 160 may receive the accident loan request from the user terminal 10 of the user who wants to receive the accident loan service, and manage the received accident loan request.

When the service providing unit 160 receives the accident loan request from the user terminal 10, it can be managed by sequentially assigning a management number to the received accident loan request.

The service providing unit 160 is a predetermined distance from the driver's current location (or area of use) based on the driver's current location information (or area of use) among driver information included in the accident bogie request received from the user terminal 10 . An accident loan may be requested through the rental car company terminal 20 of a rental car company located within.

The service providing unit 160 may generate a quote list based on the quote received from the rental car company terminal 20 in response to the accident loan request and provide it to the user terminal 10 .

The service provider 160 may generate a quote list so that the contents of a quote from a car rental company having a high rating have priority based on the rating of each rental car company.

The service providing unit 160 sets priorities based on the driver's preference based on preference information (eg, cost, vehicle model, year, departure time, car rental company, etc.) preset from the driver and sets a list of quotations can create

The service providing unit 160 provides a contract screen to the user terminal 10 and the rental car company terminal 20, respectively, when there is a loan contract request based on the quote content selected from the user terminal 10, and causes an accident with the rental car company Allow the loan agreement to proceed.

The service providing unit 160 may store and manage all information on the accident loan request for which the contract is completed in the contract information DB 170 .

When the accident loan contract is completed, the service providing unit 160 may provide accident loan contract information to the insurance company server (not shown) of the driver's insurance company, the user terminal 10 , the rental car company terminal 20 , and the like.

The service providing unit 160 may provide information corresponding thereto to an insurance company server (not shown) of the driver's insurance company when the accident bogie for which the accident loan agreement is completed is delivered or returned to the driver.

When a search request is made using any one of the user terminal 10, the management number received from the car rental company terminal 20, the driver's contact phone number, and the accident reception number, the service providing unit 160 is configured to the contract information DB (170). may search the contract information for the search request in , and provide it to the user terminal 10 and the rental car company terminal 20 who have requested the search.

The service provider 160 estimates based on the driver's current location information (or usage area), accident vehicle information, and vehicle information desired by the driver included in the driver information according to the accident loan request received from the user terminal 10 . Search the content DB 150, but search for the most appropriate estimate for accident vehicle information and vehicle information desired by the driver from among the quotations previously registered from car rental companies located within a certain distance from the driver's current location (or area of use). It may be provided to the user terminal 10 .

3 is a flowchart illustrating a method of providing an accident loan service according to an embodiment of the present invention.

Since the accident lending service providing method according to an embodiment of the present invention proceeds in substantially the same configuration as that of the accident borrowing service providing system shown in FIG. 1 and the accident borrowing service providing server 100 shown in FIG. The same reference numerals are assigned to the same components as the accident bogie service providing system and the accident borrowing service providing server 100 of FIG. 2 , and repeated descriptions will be omitted.

First, the service providing unit 160 of the accident loan service providing server 100 is a vehicle that the aggressor or damaged driver information, accident vehicle information, the aggressor or victim driver wants from the user terminal 10 connected to receive the accident loan service. It is possible to receive an accident loan request including information and the like (S10).

In the above-described step S10, the user terminal 10 provides information (for example, , perpetrator or damaged driver information, accident vehicle information, vehicle information desired by the perpetrator or victim driver, etc.) may be input to request an accident loan to the accident loan service providing server 100 .

Here, the user may input the driver's name, age, contact phone number, current location information (or area of use), etc.

As the accident vehicle information, you can enter the insurance company information of the perpetrator or victim, the accident receipt number, the name of the vehicle in the accident, the vehicle number of the vehicle in the accident, whether or not the vehicle was at fault, and the ratio, etc. , options, etc.

Thereafter, the service providing unit 160 is a rental car company terminal of a rental car company located within a certain distance based on the driver's current location information (or usage area) among the driver information included in the accident loan request received from the user terminal 10 . The accident loan request may be transmitted to (20) (S20).

The rental car company terminal 20, which has received the accident loan request from the accident loan service providing server 100 through the above step S20, receives vehicle information (eg, accident vehicle information, an offender or damaged driver) included in the accident loan request. It is possible to receive the quotation from the car rental company employee based on the vehicle information desired, etc.) and transmit it to the accident loan service providing server 100 in response to the accident loan request.

After transmitting the accident loan request to the rental car company terminal 20 through the above step S20, when receiving a response to the accident loan request from the rental car company terminal 20, the service providing unit 160 is the rental car company terminal 20 ) may be provided to the user terminal 10 by generating a quote list based on at least one quote received from the user terminal 10 (S30).

In the above step S30, the service providing unit 160 sets the priority based on the driver's preference based on the driver's preference information (eg, cost, vehicle model, year, departure time, rental car company, etc.) You can create a list of quotes.

When the user terminal 10 provided with the quotation list through the above step S30 selects any one from the user who has checked the quotation list, it can output details of the selected quotation content to the screen and provide it to the user.

The user terminal 10 provided with the quotation list through the above step S30, if there is a quotation comparison request for a plurality of quotation contents from a user who has checked the quotation list, displays the selected plurality of quotation contents together so that the user can compare the quotation contents make it possible

If there is a request for consultation on specific quotation contents from the user terminal 10 according to the user's operation who has confirmed the quotation contents through the quotation list provided through the above step S30, the service providing unit 160 provides the quotation through the consultation screen Enable online consultation with the rental car company that provided the details.

If there is a contract request for a specific estimate content from the user terminal 10 according to the user's operation who has confirmed the quotation content through the quotation list provided through the above step S30, the service providing unit 160 is provided from the user through the contract screen. It is possible to proceed with the loan contract based on the selected quotation (S40).

When the accident loan contract is completed through the above step S40, the service providing unit 160 is based on the accident vehicle information included in the accident loan request received through the above step S10, the insurance company server of the driver's insurance company (not shown) ) to provide accident loan contract information (S50).

In step S50, when the service provider 160 provides accident loan contract information to the insurance company server (not shown) of the driver's insurance company, accident vehicle information included in the accident loan request received through step S10 can be provided together, and the insurance company server (not shown) can manage the accident loan contract based on this accident vehicle information.

In the above step S50, the service providing unit 160 may provide accident loan contract information to the user terminal 10, the rental car company terminal 20, and the like.

In the above step S50, the service providing unit 160 may provide the accident loan agreement information to the driver's contact phone number included in the accident loan request received in the above step S10.

In addition, after the accident loan contract is completed through the step S40, when the accident loan vehicle is delivered or returned to the driver, information corresponding thereto may be provided to the insurance company server (not shown) of the driver's insurance company (S60).

As described above, in an embodiment of the present invention, the terminal ( 20), a quote list may be generated based on at least one quote received from the rental car company terminal 20 in response thereto, and provided to the user terminal 10 .

In another embodiment of the present invention, according to the accident loan request received through the above step S10, the current location information (or usage area) of the driver included in the driver information, the accident vehicle information, the estimate based on the vehicle information desired by the driver Search the content DB 150, but search for the most appropriate estimate for accident vehicle information and vehicle information desired by the driver from among the quotations previously registered from car rental companies located within a certain distance from the driver's current location (or area of use). It may be provided to the user terminal 10 .

The accident loan service providing method according to an embodiment of the present invention may be implemented as an application or implemented in the form of program instructions that may be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination.

The program instructions recorded on the computer-readable recording medium are specially designed and configured for the present invention, and may be known and available to those skilled in the computer software field.

Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floppy disks. media), and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.

Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules to perform processing according to the present invention, and vice versa.

Although the above has been described with reference to the embodiments, those skilled in the art will understand that various modifications and changes can be made to the present invention without departing from the spirit and scope of the present invention as set forth in the following claims. will be able

10. User terminal, 20. Car rental company terminal,
100. Accident Loan Service providing server, 110. Ministry of Communication,
120. Rental car company register, 130. rental car company DB,
140. Quote contents register, 150. Quote contents DB,
160. Service Provider, 170. Contract Information DB

Claims (7)

A user terminal having an accident loan service application installed for a user, and requesting an accident loan by setting driver information and accident vehicle information, which are information necessary for receiving an accident loan service through the user accident loan service application;
A car rental company terminal that is installed with an accident loan service application for a rental car company, and receives a quote in response to an accident loan request; and
Upon receiving the accident bogie request including driver information and accident vehicle information from the user terminal, based on the driver's current location information, the accident loan request is made to the car rental company terminal of a car rental company located within a certain distance, and In response, an accident loan service providing server that generates a quote list based on the quote received from the rental car company terminal, provides it to the user terminal, and performs a loan agreement based on the quote selected from the user terminal; Including, accident loan service providing system. According to claim 1,
The accident loan service providing server,
a rental car company registration unit that receives information required for registration of a rental car company from a rental car company terminal, stores it in a rental car company DB, and manages it; and
According to the accident loan request received from the user terminal, based on the driver's current location information included in the accident loan request, request an accident loan to the rental car company terminal of a rental car company located within a certain distance, and respond to the accident loan request. In response, a list of quotations is generated based on the quotation received from the car rental company terminal and provided to the user terminal, and if there is a request for a loan agreement based on the quotation selected from the user terminal, a contract screen is provided to cause an accident Accident loan service providing system, including; a service providing unit to proceed with the loan agreement. 3. The method of claim 2,
The service provider,
An accident loan service providing system that provides accident loan contract information to the insurance company server of the driver's insurance company when the accident loan contract is completed. 3. The method of claim 2,
The service provider,
An accident loan service providing system that provides corresponding information to the insurance company server of the driver's insurance company when the accident loan agreement is completed or delivered to the driver. Receiving, by the service providing unit of the accident cart service providing server, a request for an accident cart including driver information and accident vehicle information from a user terminal connected to receive the accident cart service;
requesting, by the service provider, an accident loan to a rental car company terminal of a rental car company located within a certain distance based on the current location information of the driver who requested the accident loan;
generating, by the service providing unit, a quote list based on at least one quote received from a rental car company terminal in response to an accident loan request, and providing it to the user terminal; and
When there is a contract request for the quotation content selected from the user terminal by the service providing unit, performing a loan agreement based on the selected quotation content; Containing, Accident Loan Service providing method. 6. The method of claim 5,
The service providing unit, when the accident loan contract is completed, providing the accident loan contract information to the insurance company server of the driver's insurance company; further comprising, the accident loan service providing method. 6. The method of claim 5,
Further comprising; providing, by the service providing unit, information corresponding thereto to the insurance company server of the driver's insurance company when the accident bogie for which the accident loan agreement has been completed is delivered or returned to the driver.

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