JP2002297910A - Fluctuating consumption type insurance system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system in which the premium is determined for a policyholder of automobile insurance in conformity with an actual driving state for every policyholder, and capable of quickly reflecting a using state of an automobile in the premium. SOLUTION: The purpose is attained by this system that an insurance company server 2 of an insurance company and an on-vehicle terminal 3 equipped in the automobile 5 are connected via a network 4, the insurance company server 2 receives declared and inputted use information such as the age of a driver and driving information such as a traveling speed acquired on the basis of the automobile from the on-vehicle terminal 3, calculates a premium quantity by this driving on the basis of these information, and consumes this premium quantity from a prepaid contract premium of the automobile insurance.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

TECHNICAL FIELD The present invention belongs to a technical field related to calculation of insurance premium payment.

[0002]

2. Description of the Related Art In conventional automobile insurance, insurance premiums are determined at the time of insurance contract, for example, for a one-year insurance period, based on the contents of compensation, the age of the driver, the annual mileage, the history of past accidents, and the like. . However, from the policyholder's point of view, even if they purchase the same insurance under the same terms and conditions and pay the same premium, the policyholder actually drives what kind of operation and what kind of usage after the contract At present, it is not possible to understand what kind of driving and what kind of use is being performed from the viewpoint of an insurance company.

[0003] In addition, insurance premiums focus on the situation at the time of insurance contract and tend to be neglected after the contract, so that the procedure for changing the contents of the contract is complicated at present. For example, when a child goes home during summer vacation, etc. and wants to change the age conditions or conditions limited to the driver's family at the time of the insurance contract, the contractor should contact the insurance agent and fill out and submit a prescribed form. is necessary. Then, the insurance premium under the new condition is calculated, the difference is required to be paid, and the contract under the new condition is made from the time when the payment is completed. In addition, when the summer vacation is over and it is desired to change to the original age condition or the driver family only condition again, a new insurance premium is calculated and the difference is refunded by the same procedure as described above. If you do not change the conditions in this way, that is, if you drive under conditions different from the contract contents, if you notify the insurance company before driving and do not pay additional insurance premiums, even if an accident occurs It will be exempted, and the policyholder will not be paid insurance money.

[0004]

For this reason, first of all, there has been a request from an insurance contractor to reduce the insurance premium as much as possible according to the driving conditions of the automobile. Even if the premium at the time of contract is the same, people who always practice safe driving,
People who tend to drive with a relatively high probability of accidents, people who only use cars near homes, people who drive for a long distance on a daily basis, and people who drive a lot during the day Actually, there are various driving situations such as people who drive a lot at night. Therefore, especially for policyholders who practice safe driving and drive with low insurance risk,
I felt unfair about insurance premiums.

[0005] In addition, there is a demand from insurance contractors to reduce insurance premiums as much as possible in accordance with the use of automobiles, such as who drives. However, in the conventional contract change, the procedure is complicated, and when the insurance company is on a holiday (or at night), it may not be possible to notify the insurance company even if it is desired. In addition, there was also a complaint that the insurance company could not respond promptly and satisfactorily even if it was necessary to change the conditions when a different person drives during a short period of time, such as a weekend, New Year holidays, and holidays.

[0006] In view of such conventional problems, the present invention provides an automobile insurance policy that determines the insurance premium in accordance with the actual driving situation of each policyholder, and furthermore, the automobile usage situation. It is an object of the present invention to provide a system that can promptly reflect the insurance premium.

[0007]

In order to solve the above problems, the variable consumption insurance system of the present invention employs the following means.

That is, in claim 1, an insurance company server of an insurance company and an in-vehicle terminal provided in an automobile are connected via a network, and the in-vehicle terminal includes information such as the age of the driver and the number of passengers. Usage information transmission means for declaring and inputting usage information of the car and transmitting it to the insurance company server, and acquiring driving information such as traveling speed, sudden acceleration / deceleration, and sudden steering based on the car and transmitting it to the insurance company server Driving information transmitting means, the insurance company server, the insurance premium consumed by this ride from the prepaid automobile insurance contract premium, declared usage information and acquired driving information and And a consumption insurance premium calculating means for calculating based on the insurance premium.

[0009] In this means, when riding, from the on-board terminal,
When vehicle use information is declared and input, while driving information is acquired based on the vehicle and transmitted to the insurance company server, the insurance company server pays the insurance premium calculated for this ride in advance at the time of contract. Deducted as consumed from premiums paid.

According to a second aspect of the present invention, in the variable consumption type insurance system according to the first aspect, the insurance company server is provided with a function that, when the prepaid contract premium is consumed and runs short.
An additional application form transmitting means for transmitting an additional application form for prompting an additional contract to the in-vehicle terminal is provided.

In this means, if the insurance premium calculated for each ride is deducted from the insurance premium paid in advance and the insurance premium is insufficient, an additional insurance contract is prompted and the insurance premium is additionally paid.

According to a third aspect of the present invention, in the variable consumption insurance system according to the first or second aspect, the insurance company server transmits usage information for prompting the input of the usage information to the vehicle-mounted terminal at the start of boarding. A form transmitting means is provided.

In this means, since the use information is input in accordance with the format, necessary items are input without omission.

According to a fourth aspect of the present invention, in the variable consumption insurance system according to the second or third aspect, the insurance company server notifies the in-vehicle terminal of the consumable insurance premium at the start of the boarding at the time of starting the boarding. It is characterized in that a remaining insurance premium notification means for transmitting is provided.

In this means, the remaining insurance premium is notified at the start of boarding, so that the latest insurance premium is immediately transmitted to the policyholder.

According to a fifth aspect of the present invention, in the variable consumption insurance system according to any one of the first to fourth aspects, the in-vehicle terminal transmits a boarding start notification indicating the start of boarding of the driver to the insurance company server. Ride start notification means is provided,
The remaining insurance premium notification means and the use information format transmission means are executed in response to the boarding start notification.

In this means, the fact that the driver's boarding has been started is immediately transmitted from the on-board terminal to the insurance company server, and is used to trigger the execution of the remaining insurance premium notification means and the use information format transmission means.

According to a sixth aspect of the present invention, in the variable consumption insurance system according to any one of the first to fifth aspects, the driving information transmitting means of the vehicle-mounted terminal transmits the digitized driving information to the insurance company server. It is characterized by doing.

According to this means, the calculation based on the driving information is quickly performed in the insurance company server.

According to a seventh aspect of the present invention, in the variable consumption insurance system according to any one of the first to sixth aspects, the in-vehicle terminal transmits a ride end notice indicating the end of the ride of the driver to the insurance company server. Ride end notification means is provided,
The insurance premium calculation means of the insurance company server is characterized in that, in response to the ride completion notification, the amount of insurance consumed by this ride is determined.

In this means, the fact that the driver's boarding has been completed is immediately transmitted from the vehicle-mounted terminal to the insurance company server, and is used to trigger the execution of the consumption insurance premium calculation means.

According to an eighth aspect of the present invention, in the variable consumption insurance system according to any one of the first to seventh aspects, the insurance company server stores the consumption insurance premium on the basis of the use information and the driving information while riding. And a consumption insurance premium predicting means for performing a prediction calculation.

According to this means, all the paid insurance premiums are consumed during the ride, and it is possible to prevent the rider from riding without paying the insurance premiums.

According to the ninth aspect, the insurance company server of the insurance company is connected to an in-vehicle terminal provided in the vehicle via a network, and the insurance company server sends a boarding start notification indicating the start of the driver's boarding. Ride start receiving means received from the on-board terminal, and, in response to the ride start notification, remaining insurance premium notification means for transmitting a notification of the consumable premium at the start of the ride to the on-vehicle terminal, and according to the ride start notification, Usage information format transmitting means for transmitting to the in-vehicle terminal a form that prompts entry of declaration of use information of the vehicle such as the age of the driver and the number of passengers, and use information receiving means for receiving the use information from the in-vehicle terminal,
Running speed, rapid acceleration / deceleration while riding, obtained based on the car,
Driving information receiving means for receiving driving information such as a sharp steering wheel from the in-vehicle terminal, boarding end receiving means for receiving a boarding end notification indicating the end of the boarding of the driver from the in-vehicle terminal, and payment in advance according to the boarding end notification. There is provided a consumption insurance premium calculating means for calculating and fixing the amount of insurance consumed by the ride from the contracted insurance premium of the automobile insurance based on the declared use information and the acquired driving information.

According to this means, when the start of boarding to the car with the insurance contract is notified from the in-vehicle terminal, the insurance company server notifies the remaining insurance premium at this time and also inputs the declaration of use information on the boarding. To the in-vehicle terminal. Then, the usage information and the driving information are received from the in-vehicle terminal. When the end of the boarding is notified from the in-vehicle terminal, the calculation of the consumption insurance premium based on the usage information and the driving information is determined.

According to a tenth aspect of the present invention, the vehicle-mounted terminal provided in the vehicle is connected to the insurance company server of the insurance company via a network, and the vehicle-mounted terminal receives a boarding start notification indicating the start of the driver's boarding. Ride start notification means to be transmitted to the company server, remaining insurance premium display means for receiving and displaying a notice of consumable insurance premiums at the start of the ride from the insurance company server, Usage information format display means for receiving and displaying from the insurance company server a form for prompting entry of use information declaration, usage information input means for inputting usage information in accordance with the form, and usage information transmission means for transmitting usage information to the insurance company server Driving information transmitting means for acquiring driving information such as traveling speed, rapid acceleration / deceleration, and sudden steering based on the vehicle and transmitting the driving information to the insurance company server, and terminating the driver's ride A ride end transmitting means for transmitting a ride end notice to the insurance company server, and insurance premiums consumed by the ride from the prepaid automobile insurance contract premium, and usage information and driving information at the insurance company server. And an insurance premium display means for receiving and displaying the determined premium from the insurance company server based on the calculated insurance premium.

According to this means, when the driver gets on the car with the insurance contract, the in-vehicle terminal notifies the insurance company server of the start of the ride and receives a form for inputting usage information.
The use information is input and transmitted according to the format, and the driving information is transmitted. When the ride is completed and a notice of the end is transmitted to the insurance company server, the insurance premium calculated and determined based on the usage information and the driving information is notified from the insurance company server.

According to the present invention, an insurance company server of an insurance company, an in-vehicle terminal provided in an automobile, and an analysis institution server for analyzing the driving situation of the automobile are connected via a network. A use information transmitting means for declaring and inputting the use information of the vehicle, such as the age of the driver and the number of passengers, and transmitting the information to the insurance company server; and transmitting the driving data obtained from various sensors of the vehicle to the insurance company server. A data processing means for analyzing the operation data received by the analysis institution server; And driving information transmitting means for transmitting driving information to the insurance company server in association with the in-vehicle terminal; Premium content consumed by ride, and consumption insurance fee calculation means for calculating based on the operating information received from the laboratory server and use information received from the vehicle terminal is provided.

According to this means, when the user gets on the vehicle, the vehicle usage information is transmitted from the vehicle-mounted terminal to the insurance company server. The driving data is transmitted to the analytical institution server, where the data is processed to generate driving information, and then transmitted to the insurance company server. In the insurance company server, the insurance premium calculated based on the usage information and the driving information is deducted from the insurance premium paid in advance at the time of contracting as being consumed.

In the twelfth aspect, an insurance company server of an insurance company and an in-vehicle terminal provided in an automobile are connected via a network, and the in-vehicle terminal includes information such as the age of the driver and the number of passengers. A use information transmitting unit for declaring and inputting usage information of the vehicle and transmitting the information to the insurance company server; and an operation data transmission unit for transmitting driving data obtained from various sensors of the vehicle to the insurance company server. , The received operation data is digitized,
Data processing means for creating driving information such as traveling speed, rapid acceleration / deceleration, and sudden steering while riding, and receiving from the vehicle-mounted terminal the amount of insurance consumed by the ride from the prepaid automobile insurance contract insurance premium. Consumption insurance premium calculating means for calculating based on the used information and the driving information.

According to this means, at the time of boarding, the vehicle use information and the driving information are transmitted from the on-board terminal to the insurance company server. The insurance company server processes the driving data to generate driving information, and the insurance premium calculated based on the driving information and the usage information is deducted from the insurance premium paid in advance at the time of contract when it is consumed.

[0032]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a basic embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a conceptual diagram of the embodiment (1), FIG. 2 is a configuration diagram of the embodiment (1), FIG. 3 is a detailed configuration diagram of the embodiment (1), and FIGS. 8 to 11 are screen diagrams of the embodiment (1).

In the variable consumption insurance system 1 of the present invention, an insurance company server 2 of an insurance company and an in-vehicle terminal 3 mounted on a car 5 are connected via a network 4.

The insurance company server 2 has an input / output function, a recording function, a communication function, an arithmetic function and the like, and generally has a function of responding to a request from another computer, such as a mainframe, a workstation, or a personal computer. And so on. Note that the insurance company server 2 may be composed of a plurality of terminals in combination with a terminal device or the like.

The in-vehicle terminal 3 has an input function, a display function, a recording function, a mobile communication function, and the like. The input function includes a button and a touch panel, and the display function includes an LCD. Examples of the mobile communication function include a communication function using a communication line, wireless communication, a satellite, and the like. The in-vehicle terminal 3 is generally an in-vehicle computer that can be connected to a network and obtain information by a Web browser or the like. In some cases, the terminal is integrated with the navigation system. The in-vehicle terminal 3 may be provided in the car 5 from the beginning or may be provided later. Further, the vehicle-mounted terminal 3 may be configured by detachably combining a mobile phone, a portable terminal (PDA) and the like. In addition, the in-vehicle terminal 3 is provided in a car, but the car mentioned here includes a motorcycle and a bicycle with a motor.

The network 4 is a computer communication system for connecting the insurance company server 2 and the on-board terminal 3, and is a network including a communication line, a radio communication, a satellite or other radio communication system, the Internet, and the like.

First, the configuration of the vehicle-mounted terminal 3 will be described. The in-vehicle terminal 3 includes the in-vehicle terminal 3 and the insurance company server 2
An insurance contract unit 31 for making a contract with a car insurance, a driving data unit 33 for grasping data indicating a driving situation of the car 5 from a plurality of sensors 51 and the like equipped on the car, and an insurance company server 2 when riding. And a ride communication unit 35 for transmitting and receiving data.

Here, the ride is defined as a ride from the time when the driver sits on the driver's seat to drive the car to the time when the driver finishes driving the car and leaves the driver's seat. The start and end of the boarding can be separated in various forms. As an example, here, the process from inserting the engine key to removing the engine key will be described as one boarding. Therefore, it may be possible to get on the vehicle several times a day.

The insurance contract section 31 has a contract request means 311
Application form display means 312 and application form creation means 313
, An application form transmitting means 314, and a contract completion displaying means 315
And ID storage means 316.

The contract requesting means 311 is a means for requesting the insurance company server 2 to apply for a new contract for car insurance.
The application form display means 312 is a means for receiving the application form 2121 from the insurance company server 2 in response to a request and displaying it on a screen. In the application form 2121, input of items necessary for an insurance contract, such as an insurance contractor, a contractor's address, a telephone number, a target vehicle type, an insurance period, an age condition, compensation contents, and a settlement method, is prompted. As the settlement method, selection from a debit from a settlement account, a credit card, an IC chip (non-contact type, contact type), or another method is possible.

In the application form creation means 313, necessary items are inputted according to the display on the screen, and the application form 313 for automobile insurance is entered.
1 is a means of creating In the application form transmitting means 314,
This is a means for transmitting the created application form 3131 to the insurance company server 2. The contract establishment display means 315 is a means for receiving, from the insurance company server 2, a report of the establishment of the insurance contract and the assigned vehicle ID and user ID when the contents of the application form are confirmed and the settlement is completed. ID storage means 316
Is means for storing the assigned vehicle ID and user ID. The IDs to be stored are not limited to these two, but may be one of them. Further, another method may be used for authentication.

The first insurance application may be made in writing without using the vehicle-mounted terminal 3. In that case, the configuration of the insurance contract unit 31 may be deleted from the in-vehicle terminal 3.
Further, the contract may be made when the car is first purchased, or may be made at any time after the purchase of the car.

Next, the operation data section 33 includes data acquisition means 331, data storage means 332 and data processing means 3
33 are provided.

The data acquiring means 331 is means for acquiring various driving data 511 indicating the driving situation of the automobile 5 from a plurality of sensors 51 mounted on each part of the automobile 5. As an example, the sensor 51 measures a traveling distance, a speed, a traveling time, and the like of the automobile 5 (for example, by a digital operation recorder, a GPS sensor, an acceleration sensor, or the like), or a driver gets on and off the automobile 5 (For example, detection of the insertion of an engine key or detection of seating in a driver's seat, etc.), and a sensor for detecting that the automobile 5 has started (detection of rotation of tires or detection of engine start). Etc.) are used. Driving data 5 detected by such a sensor 51
11 is transmitted to the in-vehicle terminal 3.

The data storage means 332 is a means for storing the operation data 511 obtained from the various sensors 51 described above.

The data processing means 333 is means for processing the stored driving data 511 to transmit it to the insurance company server 3 as driving information. The above-mentioned driving data 511 includes a sudden start, a sudden brake, a rapid acceleration, a sudden steering wheel, a sudden stop, a maximum speed, a traveling time, a traveling distance, an average speed of a high speed or a general road, a rest time, a brake frequency, a sudden braking occurrence rate, and a traveling time. It is disassembled and processed into items such as belts that can determine the operating status. As a result, it is possible to quantify the level of the driving state of the automobile 5 by this riding in terms of safety, accident occurrence risk, environmental properties, expected damage amount at the time of accident occurrence, and the like.

The boarding communication section 35 includes a boarding start notifying means 3
51, remaining insurance premium display means 352, usage information format display means 353, usage information input means 354, usage information transmission means 355, driving information transmission means 356, boarding end notification means 357, fixed insurance premium Display means 358, additional application style display means 359, and additional application form creation means 360
, An additional application form transmitting means 361, and an additional contract establishment display means 362.

The boarding start notifying means 351 is a means for notifying the insurance company server 2 that the driver has boarded the car 5. For example, when the engine key is inserted, the start of the driver's boarding is detected by the driving data unit 33, and this detection is notified to the insurance company server 2 via the boarding start notifying means 351 as one of the driving information. . In addition, the boarding start notifying unit 351 simultaneously transmits the vehicle ID and the user ID, which are assigned in advance and stored in the ID storage unit 316, to the insurance company server 2. Note that the boarding start notification is configured to be automatically detected by a sensor here, but the driver himself / herself to start boarding (boarding end) is notified to the insurance company server 2 by using, for example, a button attached to the vehicle-mounted terminal 3. The notification may be configured.

The remaining insurance premium display means 352 is a means for receiving a notice of the consumable insurance premium at the start of boarding from the insurance company server 2 and displaying it on the screen. Automobile insurance premiums are not only during riding (during driving), but also during parking, so that there is a risk of vehicle and compensation. Therefore, insurance premiums at the time of contract are consumed every moment. The remaining insurance premium display means 352 may display not only the remaining insurance premium but also the current insurance policy for confirmation.

The use information form display means 353 is a means for receiving and displaying from the insurance company server 2 a form 2541 for prompting input of use information. As the use information, it is required to input a report such as the age of the driver who gets on this ride, the number of passengers, and the planned mileage. Note that the usage information form 2541 is desirably configured to display the previous input content as it is and to input only the changed items in order to reduce the burden of input as much as possible.

The use information input means 354 is a means for inputting use information in accordance with the format 2541 displayed on the screen. The usage information transmitting unit 355 is a unit that transmits the input usage information to the insurance company server 2.

The driving information transmitting means 356 is means for transmitting to the insurance company server 2 the driving information after data processing and counting by the data processing means 333. Transmission is
Any of real-time, fixed time intervals, and fixed data amount intervals may be used. Note that time data is also transmitted as the driving information.

The boarding end notifying means 357 is a means for notifying the insurance company server 2 that the driver has got off the car. For example, when the engine key is removed, the driving data unit 33 detects the end of the ride by the driver, and this detection is notified to the insurance company server 2 via the ride end notification unit 357 as one of the driving information. .

The confirmed premium display means 358 is a means for receiving and displaying the determined value of the premium consumed by the ride. In this means, in addition to the consumed insurance premium, the remaining insurance premium at this point in time or, if the remaining insurance premium is small, may be configured to display the content urging the addition of the insurance contract.

The additional application form display means 359 is a means for receiving and displaying the additional application form 2611 for payment of the additional insurance premium transmitted from the insurance company server 2. This is transmitted when the insurance premium estimated to be consumed by the use information or the driving information is calculated by the insurance company server 2 and the calculated insurance premium exceeds the consumable insurance premium. .

The additional application form creation means 360 is a means for inputting items necessary for an additional contract for insurance premiums and creating an additional application form 3601 in accordance with the additional application form 2611.
The additional application transmitting unit 361 transmits the generated additional application 3
601 is transmitted to the insurance company server 2. The additional contract establishment display means 362 is a means for receiving and displaying the establishment of the additional contract from the insurance company server 2.

Next, the configuration of the insurance company server 2 will be described. The insurance company server 2 includes an insurance contract unit 21 and a boarding communication unit 25 corresponding to the insurance contracting unit 31 and the boarding communication unit 35 of the vehicle-mounted terminal 3.

First, the insurance contract section 21 includes a contract request receiving means 211, an application form transmitting means 212, an application form receiving means 213, a contract establishment transmitting means 214, and a contract information storage means 215.

The contract request receiving means 211 is a means for receiving a request for a contract application for car insurance transmitted from the vehicle-mounted terminal 3. The application form transmitting means 212 responds to the request,
This is a means for transmitting an application form 2121 for prompting the input of an application to the vehicle-mounted terminal 3. Application form receiving means 213 is for application form 2
Application form 3131 created in accordance with 121
Means for receiving from The contract conclusion transmitting means 214
After confirming the contract contents and the completion of the settlement of the insurance premium, this is a means for transmitting a report of the conclusion of the contract and a notification of the vehicle ID and the user ID to the in-vehicle terminal 3.

The contract information storage means 215 is a means for storing the policyholder and contract contents of the insurance, the vehicle ID, the user ID, the history regarding the consumption status of the insurance premium, and the like in association with each other.

The boarding communication section 25 includes the boarding start receiving means 2
51, contract information collating means 252, remaining insurance premium transmitting means 253, usage information format transmitting means 254, usage information receiving means 255, driving information receiving means 256, consumption premium calculating means 257, and boarding end Receiving unit 258, confirmed premium notification unit 259, and consumption premium prediction unit 260
, An additional application form transmitting unit 261, an additional application form receiving unit 262, and an additional contract establishment transmitting unit 263.

The boarding start receiving means 251 is a means for receiving the boarding start notification indicating the start of the boarding of the driver, the vehicle ID, and the user ID from the in-vehicle terminal 3. The contract information matching unit 252 is a unit that checks the contract information stored in the contract information storage unit 215 based on the received vehicle ID and user ID.

The remaining insurance premium transmitting means 253 is a means for transmitting to the in-vehicle terminal 3 a notification of a consumable insurance premium at the time of starting the ride included in the collated contract information. The use information format transmitting unit 254 is a unit that transmits to the in-vehicle terminal 3 a format 2541 for prompting input of use information such as the driver's age and the number of passengers in response to the boarding start notification. Usage information receiving means 2
Reference numeral 55 denotes a unit that receives, from the in-vehicle terminal 3, use information input and declared according to the form 2541. The driving information receiving means 256 is provided for determining the running speed, rapid acceleration / deceleration,
This is a means for receiving the digitized driving information such as a sudden steering wheel from the in-vehicle terminal 3.

The boarding end receiving means 257 is a means for receiving the boarding end notification indicating the driver's boarding end from the on-board terminal 3. The consumption insurance premium calculating means 258 is means for calculating, based on the use information and the driving information, the amount of the insurance premium consumed by the ride from the contract insurance premium of the car insurance paid in advance based on the use completion information and the driving information. is there. The confirmed premium notification means 259 is a means for transmitting the decided value of the premium consumed by the ride to the vehicle-mounted terminal 3.

Further, the consumption insurance premium predicting means 260 executes the prediction calculation of the consumption insurance premium based on the use information and the driving information while riding, and calculates the estimated premium that can be consumed (the remaining insurance premium). Fee).
Since the planned travel distance is also input in the usage information, the boarding notification is received as the driving information, and the predicted value of the insurance premium consumed by the boarding is calculated in advance. It should be noted that the criterion for the determination may be based not only on whether the surplus is exceeded, but also on the case where the remaining insurance premium is reduced. The additional application form transmitting unit 261 sends the additional insurance payment to the in-vehicle terminal 3 when the predicted and calculated consumption insurance premium exceeds the consumable insurance premium or when the consumable insurance premium becomes low. It is a means to request. Requesting the payment of a new premium before the first premium is completely consumed can prevent unpaid payments. In addition, additional application form 2611
Since the information is transmitted during the boarding, it is preferable that the input load on the in-vehicle terminal 3 be reduced as much as possible. For example, the content already entered at the time of the contract at the beginning is already described in the form, or the amount of the additional insurance premium can be selected from a plurality of presented.

The additional application form receiving means 262 is a means for receiving, from the in-vehicle terminal 3, an additional application form 3601 input and created by the in-vehicle terminal 3 in accordance with the additional application form 2611. The additional contract establishment transmission means 263 is a means for transmitting the establishment of the additional contract to the in-vehicle terminal 3 when confirming the contents of the additional contract and the completion of the settlement of the additional insurance premium.

The operation of the thus configured variable consumption insurance system 1 will be described with reference to a specific example. Since this operation is an example, the order and the screen are not limited to these.

First, the operation of the insurance contract will be described with reference to FIGS. On March 1 (arbitrary day), the applicant for an automobile insurance contract requests the insurance company server 2 to apply for a new insurance contract through the contract request means 311 of the in-vehicle terminal 3 of the car 5 to be contracted ( S101) is received by the contract request receiving means 211 of the insurance company server 2 (S102). In the insurance company server 2, the application form transmitting means 212
Then, the application form 2121 for prompting the input of the application is transmitted to the vehicle-mounted terminal 3 (S103).

In the vehicle-mounted terminal 3, the application form display means 312
Then, the application form 2121 is received and displayed (S104).
Then, the application form creation means 313 creates or creates an application form 3131 as shown in FIG. 8 by inputting or selecting items necessary for the insurance contract (S105). Application Form 3 created
131 is an application form transmitting means 314 which is transmitted to the insurance company server 2 (S106).

In the insurance company server 2, the application form receiving means 2
At 13, the application form 3131 is received (S107). Then, when the contents are confirmed and the settlement of the deduction of the insurance premium is completed, information on this contract is stored in the contract information storage means 215 as contract information (S108). Further, the contract establishment transmitting unit 214 transmits a report of the contract establishment and a notification of the vehicle ID and the user ID to the vehicle terminal 3 (S10).
9) Then, it is received and displayed by the contract establishment display means 315 of the vehicle-mounted terminal 3 (S110). At this point, the remaining premium that can be consumed is 50,000 yen. The assigned vehicle ID and user ID are stored in the ID storage unit 316 (S111).

Next, the operation of consuming the insurance premium will be described with reference to FIGS. 5 to 7 and FIGS. On March 3, the contractor gets into the car 5 for driving and inserts the engine key. Thereby, the data acquisition unit 331 of the in-vehicle terminal 3 acquires the insertion of the engine key as one of the operation data 511 by the sensor 51, stores the acquired data in the data storage unit 332, and
At 33, data processing is performed for transmission to the insurance company server 2 (S121). Then, the boarding start notifying unit 35
1, the start of boarding is notified, and the vehicle ID and the user ID assigned at the time of the contract are transmitted to the insurance company server 2 together (S122), and received by the boarding start receiving means 251 of the insurance company server 2. (S123).

Next, the contract information is collated by the contract information collating means 252 based on the vehicle ID and the user ID (S12).
4). Then, the remaining insurance premium of this contractor is transmitted to the in-vehicle terminal 3 by the remaining insurance transmission unit 253 and notified (S1).
25). In the case of this ride, two days have passed since the insurance start date,
In the meantime, 100 yen has already been consumed for the risk of parked vehicles and the risk of compensation for 2 days, so the remaining insurance premium is 49
900 yen is notified. The remaining insurance premium display means 352 of the in-vehicle terminal 3 displays 49900 yen as the remaining insurance premium as shown in a screen 3521 shown in FIG. 9 (S126), and displays the insurance contract details for confirmation.

Next, the use information form transmitting means 254 of the insurance company server 2 transmits the use information form 2541 (S127), and the use information form display means 3 of the on-vehicle terminal 3.
It is received and displayed at 53 (S128). This style 25
In the case of the first ride 41, all are displayed blank, but in the second and subsequent rides, the contents of the previous ride are displayed as they are. Then, it is determined whether or not there is a change in the content of the use information of the current ride compared with the use information at the time of the previous ride (S129). Then, in the case of "Yes", that is, when it is necessary to enter an empty space for the first ride and when it is necessary to change the previous contents, the use information input means 35
In step 4, all the items or only the changed portions are input according to the form 2541 (S130). When this input is completed, or in the case of “No” that has not changed from the previous time in S129, the content of the usage information is confirmed and the usage information transmitting unit 3
55 to the insurance company server 2 (S13).
1). Here, as the first ride, the driver's age (45 years old) and the number of riders (1) in this ride are displayed by the use information input means 354 as shown in a screen 3541 shown in FIG.
Use information of the person) and the planned mileage (40 km) is input and transmitted by pressing the confirmation button.

The insurance company server 2 receives the use information (S 132), and at this point in time, the insurance premium predicting means 260 predicts and calculates the insurance consumed by this ride based on the use information (S 132). S133). Then, it is determined whether or not the predicted and calculated insurance premium exceeds the consumable insurance premium (remaining insurance premium) (S134). In this case, it is "No" because the estimated premium calculated was 350 yen. In the case of "Yes", the additional application form 2611 is transmitted by the additional application form transmitting means 261 of the insurance company server 2 to pay the insurance premium additionally.
(S135), and is received and displayed by the additional application form display means 359 of the vehicle-mounted terminal 3 (S136). The additional application form creation means 360 in the in-vehicle terminal 3 inputs necessary items in accordance with the additional application form 2611, and
601 is created (S137), and the additional application form transmitting means 3
It is transmitted to the insurance company server 2 at 61 (S138). The insurance company server 2 checks the contents of the additional application form 3601 received by the additional application form receiving means 262 (S139),
When the settlement of the insurance premium is completed, the additional insurance contents are stored in the contract information storage means 215 (S140). Then, the fact that the additional insurance contract has been established indicates that the additional contract
3 is transmitted to the in-vehicle terminal 3 (S141), and is received and displayed by the additional contract establishment display means 362 of the in-vehicle terminal 3 (S141).
142).

Next, when the vehicle starts running, the in-vehicle terminal 3 reads the data acquisition means 33 from the various sensors 51 of the automobile 5.
1 is transmitted to the data storage means 33.
2 and are sequentially processed by the data processing means 333 (S143). Then, the driving information digitized based on the items such as sudden start, sudden braking, and sudden acceleration is transmitted to the insurance company server 2 by the driving information transmitting means 356 (S144).

In the insurance company server 2, the driving information is sequentially received by the driving information receiving means 256 (S14).
5). Then, based on the driving information and the use information received earlier, the predicted consumption of the insurance premium to be consumed is calculated by the consumption premium predicting means 260 (S146). Then, it is determined whether the predicted and calculated insurance premium exceeds the consumable insurance premium (remaining insurance premium) (S147). This case is also “No” because the predicted and calculated insurance premium was lower than the consumable insurance premium. S148 for "Yes"
Steps S155 to S155 are the same as steps S135 to S142 described above.

Then, the driver removes the engine key of the automobile 5 to get off. Thereby, the data acquisition unit 331 of the in-vehicle terminal 3 acquires the extraction of the engine key by the sensor 51 as one of the operation data 511,
The end of the boarding is detected by storing the data in the data storage means 332 and performing processing in the data processing means 333 (S15).
6) The boarding end notifying unit 356 notifies the insurance company server 2 that the boarding has been completed (S157). In the insurance company server 2, when the ride end is received by the ride end receiving means 258 (S158), the insurance premium calculation means 2
The insurance premium for this ride is calculated and determined by 57 (S159). In this case, the actual distance traveled is 50k
m, the insurance premium was consumed by 400 yen, and the remaining insurance premium was 49,500 yen. This result is stored in the contract information storage means 215 (S160),
It is transmitted to the in-vehicle terminal 3 by the confirmed premium notification means 259 (S161), and is received and displayed by the confirmed premium display means 358 of the in-vehicle terminal 3 as shown in a screen 2591 shown in FIG. 11 (S162). As a result, the insurance premium for one ride is consumed from the contract insurance premium.

Next, on March 8, the son of the contractor gets on the car 5 for driving and inserts the engine key. S
The operations of 121 to S125 are executed, and the remaining insurance premium of this contractor is received and displayed on the in-vehicle terminal 3 by the remaining insurance transmission unit 253. In this case, four days have passed since the last boarding date, and the risk of parked vehicles and the risk of compensation for four days are 20 days.
Since 0 yen has been consumed, 49300 yen is displayed as the remaining insurance premium (S126).

Next, the operations of S127 to S128 are executed. Since the displayed previous use information needs to be changed, the previous use information input unit 354 uses FIG.
The driver's age in this ride (20
Age information, the number of passengers (three), and the expected travel distance (50 km) are input (S130), and transmitted to the insurance company server 2 by the usage information transmitting means 355 (S131).

Then, the operations of S132 to S159 are executed. And in the case of this ride, 60
Zero yen was calculated and consumed, and the remaining insurance premium was 48,700 yen. This result is stored in the contract information storage means 215 (S160), and the fixed premium notification means 25 is stored.
9 is transmitted to the in-vehicle terminal 3 (S161), and is received and displayed by the confirmed premium display unit 358 of the in-vehicle terminal 3 (S162).

Thereafter, the riding of the automobile 5 is repeated.
Then, on October 10, the contractor operates the car 5 for driving.
Get on and plug in the engine key. S121 to S12
Operation 5 is executed, and the remaining insurance premium of this contractor is transmitted to the in-vehicle terminal 3 by the remaining insurance premium transmitting means 253, and is notified and displayed. In this case, the remaining insurance premium was 200 yen. Then, after S127 and S128 are executed, the driver's age (45 years old), the number of occupants (3 people), the planned mileage (100 km), etc. in this ride are displayed on the screen according to FIG. Is used (S13)
0), and transmitted to the insurance company server 2 by the use information transmitting means 355 (S131). When the consumption insurance premium is predicted and calculated in S132, the insurance premium is 650 yen, which is expected to exceed the consumable insurance premium (remaining insurance premium).
An additional contract is made by 2 to S142. Here, a contract of an additional premium of 20,000 yen has been added. Then, the subsequent operation is executed.

As a result of the repetition of the above-mentioned operation, the remaining premium was generated at the expiration date of the insurance contract because the additional premium 20,000 yen was not completely consumed. This remaining premium may be carried forward as a premium for the next year's contract, or may be refunded to the policyholder.

As described above, in the variable consumption insurance system 1 according to the embodiment (1), for each ride of an automobile contracted for automobile insurance, who rides, how many riders, when and where to travel, and the mileage. Calculates the premium based on various information such as how much the vehicle is driving safely and consumes the premium paid in advance. As a result, it was possible to more accurately judge the risks associated with the vehicle in accordance with the actual situation, to be satisfied by both the insurance company and the policyholder, and to be able to smoothly transfer insurance premiums at any time.

Next, the embodiment (2) of the present invention will be described. FIG. 12 is a detailed configuration diagram of the embodiment (2). Since the embodiment (2) is an application of the embodiment (1), the same descriptions are given the same reference numerals and the details are omitted.

In the variable consumption insurance system 1 of the embodiment (2), the functions of the data storage means 332 and the data processing means 333 of the operation data section 33 of the embodiment (1) are provided in the insurance company server 2. It is characterized by: Therefore, the data storage unit 332 and the data processing unit 333 are removed from the in-vehicle terminal 3 of the embodiment (2), and an operation data transmission unit 363 is provided instead of the operation information transmission unit 356. On the other hand, the data storing means 270 and the data processing means 271 are stored in the boarding transmitting / receiving section 25 of the insurance company server 2.
And an operation data receiving unit 272 is provided instead of the operation information receiving unit 256. Other configurations are the same as those of the embodiment (1).

In the embodiment (2), when the driving data 511 is acquired from the sensor 51 of the automobile 5 by the data acquiring means 331 of the vehicle-mounted terminal 3, it is transmitted to the insurance company server 2 by the driving data transmitting means 363. At this time, the operation data 511 may be unprocessed or may be subjected to simple temporary processing. Operating data receiving means 2 of insurance company server 2
When the driving data 511 is received at 72, the driving data is temporarily stored in the data storage unit 270 and is digitized by the data processing unit 271 to generate driving information indicating the level of the traveling speed, rapid acceleration / deceleration, and sudden steering while riding. Is done. An insurance fee is calculated from the driving information processed by the insurance company server 2 and the declared and transmitted usage information. Other functions and effects are the same as those of the embodiment (1).

Next, the embodiment (3) of the present invention will be described. FIG. 13 is a conceptual diagram of the embodiment (3), and FIG.
FIG. 14 is a detailed configuration diagram of the embodiment (3). Embodiment
Since (3) is an application of the embodiment (1), the same description is given the same reference numerals and the details are omitted.

In the variable consumption insurance system 1 of the embodiment (3), the analysis institution server 6 for processing the driving data 511 obtained by the automobile 5 is connected to the insurance company server 2 and the in-vehicle terminal 3 via a network. It is connected. The feature is that the functions of the data storage means 332 and the data processing means 333 of the operation data section 33 of the embodiment (1) are provided to the analysis institution server 6. for that reason,
The data storage unit 332 and the data processing unit 333 are removed from the on-board terminal 3 of the embodiment (3), and the operation data 51 is stored in the analysis institution server 6 in place of the operation information transmission unit 356.
An operation data transmitting means for analysis 364 for transmitting 1 is provided. The analytical institution server 6 includes a data receiving unit 6
11, data storage means 612, data processing means 61
3 and driving information transmitting means 614. Other configurations are the same as those of the embodiment (1).

In the embodiment (3), when the data acquisition means 331 of the vehicle-mounted terminal 3 acquires the driving data 511 from the sensor 51 of the automobile 5, the analysis-purpose driving data transmitting means 3
The data is transmitted to the analysis institution server 6 through 64. At this time, the operation data 511 may be unprocessed or may be subjected to simple temporary processing. When the driving data 511 is received by the data receiving means 611 of the analysis institution server 6, the driving speed during riding, sudden acceleration / deceleration, sudden steering, etc., once stored in the data storage means 612 and counted by the data processing means 613, are calculated. Driving information indicating the level of the vehicle is created. This driving information is transmitted to the insurance company server 2 in association with the vehicle-mounted terminal 3. In the insurance company server 2, the driving information receiving means 25
6, and the insurance premium is calculated based on the driving information and the usage information. Other functions and effects are the same as those of the embodiment (1).

[0090]

As described above in detail, in the variable consumption insurance system of the present invention, the insurance policyholder calculates the insurance premium according to the actual situation of driving the car after the contract. This premium is consumed from the prepaid contract premium. As a result, insurance policyholders can enjoy the insurance for a long time at the same premium if they try to drive safely, and in fact, they can keep their premium low.

Further, since the insurance premium which changes according to the driving situation of the driver can be grasped and the consumption of the insurance premium can be realized,
The consciousness of safe driving is increased, which leads to prevention and reduction of accidents. As a result, the number of policyholders who can keep insurance premiums low at the time of renewal of the contract increases.

The basic contract contents at the time of insurance contract are as follows:
Since the contractor can easily change the contents as needed, and can return to the original contents at any time, it is possible to accurately reflect the usage situation of the car, such as who drives, in the insurance premium. As described above, by appropriately consuming the insurance premium according to the usage status, it has become possible to keep the insurance premium low and to utilize the insurance contract effectively according to the current situation.

Further, the insurance company can accurately grasp the insurance risk in the driving of the insurance policyholder, and can receive the insurance premium according to the actual driving.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of an embodiment (1).

FIG. 2 is a configuration diagram of an embodiment (1).

FIG. 3 is a detailed configuration diagram of the embodiment (1).

FIG. 4 is a flowchart of the embodiment (1).

FIG. 5 is a flowchart of the embodiment (1).

FIG. 6 is a flowchart of the embodiment (1).

FIG. 7 is a flowchart of the embodiment (1).

FIG. 8 is a screen diagram of the embodiment (1).

FIG. 9 is a screen diagram of the embodiment (1).

FIG. 10 is a screen diagram of the embodiment (1).

FIG. 11 is a screen diagram of the embodiment (1).

FIG. 12 is a detailed configuration diagram of an embodiment (2).

FIG. 13 is a conceptual diagram of the embodiment (3).

FIG. 14 is a detailed configuration diagram of an embodiment (3).

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 Consumption type insurance system 2 Insurance company server 21 Insurance contract section 211 Contract request receiving means 212 Application form transmitting means 2121 Application form 213 Application form receiving means 214 Contract establishment transmitting means 215 Contract information storage means 25 Ride communication section 251 Ride start receiving means 252 Contract information collation means 253 Remaining premium transmission means 254 Usage information format transmission means 2541 Form 255 Usage information reception means 256 Driving information reception means 257 Consumption insurance premium calculation means 258 Ride end reception means 259 Fixed premium notification means 260 Consumption insurance premiums Prediction means 261 Additional application form transmitting means 2611 Additional application form 262 Additional application form receiving means 263 Additional contract establishment transmitting means 270 Data storage means 271 Data processing means 272 Operation data receiving means 3 In-vehicle terminal 31 Insurance contract part 311 Contract required Requesting means 312 Application form display means 313 Application form creation means 3131 Application form 314 Application form transmission means 315 Contract establishment display means 316 ID storage means 33 Operating data section 331 Data acquisition means 332 Data storage means 333 Data processing means 35 Ride communication section 351 Ride start notification means 352 Remaining insurance premium display means 353 Usage information format display means 354 Usage information input means 355 Usage information transmission means 3551 Usage information 356 Driving information transmission means 357 Ride end notification means 358 Fixed premium display means 359 Additional application form display Means 360 Additional application creation means 3601 Additional application form 361 Additional application form transmission means 362 Additional contract establishment display means 363 Operation data transmission means 364 Analysis operation data transmission means 4 Network 5 Car 51 Sensor 511 Operation Data 6 laboratory server 611 data receiving unit 612 data storage unit 613 data processing means 614 the operation information transmitting means

 ────────────────────────────────────────────────── ─── Continuing on the front page (72) Inventor Takahiko Ikeda Chiyoda Fire & Marine Insurance Co., Ltd., 1-228-1, Ebisu, Shibuya-ku, Tokyo

Claims (12)

[Claims] 1. An insurance company server of an insurance company and an in-vehicle terminal provided in a vehicle are connected via a network. The in-vehicle terminal stores information on the use of the vehicle, such as the age of the driver and the number of passengers. Usage information transmission means for inputting a declaration and transmitting it to the insurance company server, and driving information transmission means for acquiring driving information such as traveling speed, rapid acceleration / deceleration, and sudden steering based on the vehicle and transmitting the information to the insurance company server The insurance company server calculates the amount of insurance consumed by this ride from the prepaid automobile insurance premium based on the declared use information and the acquired driving information. A variable consumption insurance system comprising insurance premium calculation means. 2. The variable consumption insurance system according to claim 1, wherein the insurance company server has an on-board terminal with an additional application form for prompting an additional contract when a prepaid contract premium is consumed and is insufficient. A variable consumption type insurance system, characterized in that it is provided with an additional application form transmitting means for transmitting to an insurance company. 3. The variable consumption insurance system according to claim 1, wherein the insurance company server includes a use information format transmitting unit for transmitting a format prompting the input of the use information to the on-board terminal at the start of boarding. Variable consumption insurance system characterized by being able to. 4. The variable consumption insurance system according to claim 2, wherein the insurance company server transmits a notice of the consumable insurance premium at the time of starting the boarding to the in-vehicle terminal at the time of starting the boarding. A variable consumption insurance system comprising a notification unit. 5. The variable consumption insurance system according to claim 1, wherein the in-vehicle terminal transmits a boarding start notification indicating the start of boarding of the driver to the insurance company server. Wherein the remaining insurance premium notification means and the usage information format transmission means are executed in response to the boarding start notification. 6. The variable consumption insurance system according to claim 1, wherein the driving information transmitting means of the vehicle-mounted terminal transmits the digitized driving information to the insurance company server. Variable consumption insurance system. 7. The variable consumption insurance system according to claim 1, wherein the in-vehicle terminal transmits a ride end notice indicating the end of the ride of the driver to the insurance company server. A variable consumption insurance system characterized in that the insurance premium calculation means of the insurance company server determines the amount of insurance consumed by the ride in response to the ride end notification. 8. The variable consumption insurance system according to claim 1, wherein the insurance company server executes a prediction calculation of the consumption insurance premium based on the use information and the driving information while riding. A variable consumption insurance system characterized by comprising consumption insurance premium prediction means. 9. An insurance company server of an insurance company is connected via a network to an in-vehicle terminal provided in an automobile, and the insurer server receives from the in-vehicle terminal a ride start notification indicating the start of ride by the driver. A ride start receiving means, a remaining premium notification means for transmitting a notice of a consumable premium at the start of the ride to the onboard terminal according to the ride start notification, and a driver's age, Usage information format transmitting means for transmitting to the in-vehicle terminal a form for prompting the user to input vehicle usage information such as the number of passengers; usage information receiving means for receiving the usage information from the in-vehicle terminal; Driving information receiving means for receiving driving information such as running speed, rapid acceleration / deceleration, and sudden steering wheel from the onboard terminal, and a boarding end receiver for receiving from the onboard terminal a boarding end notification indicating the end of the boarding of the driver. Consumption insurance that calculates and confirms the amount of insurance consumed by this ride from the contract insurance premium paid in advance in accordance with the ride end notification based on the declared use information and the acquired driving information. A variable consumption insurance system provided with a fee calculation means. 10. An in-vehicle terminal provided in an automobile is connected to an insurance company server of an insurance company via a network, and the in-vehicle terminal transmits to the insurance company server a boarding start notification indicating the start of driver's boarding. Ride start notification means, remaining insurance premium display means for receiving and displaying a notice of consumable insurance premiums at the start of the ride from the insurance company server, and inputting declaration of vehicle use information such as the age of the driver and the number of passengers Information display means for receiving and displaying a form prompting the user from the insurance company server, use information input means for inputting use information according to the form, use information transmission means for transmitting use information to the insurance company server, Driving information transmitting means for acquiring driving information such as traveling speed, rapid acceleration / deceleration, and sudden steering while riding the vehicle, and transmitting the information to the insurance company server; and a boarding end notification indicating that the driver has finished riding. The boarding end transmitting means to be transmitted to the insurance company server and the insurance premium consumed by this ride from the prepaid automobile insurance contract premium, which is calculated and determined by the insurance company server based on the usage information and the driving information. A variable consumption insurance system comprising: a fixed premium display means for receiving and displaying the set premium from the insurance company server. 11. An insurance company server of an insurance company, an in-vehicle terminal provided in an automobile, and an analysis institution server for analyzing a driving situation of the automobile are connected via a network, and the in-vehicle terminal includes a driver Usage information transmission means for declaring and entering vehicle usage information such as age and number of passengers and transmitting the information to the insurance company server, and transmission of driving data for analysis for transmitting driving data obtained from various sensors of the vehicle to the insurance company server Means for analyzing the received driving data, the data processing means for generating driving information such as traveling speed, rapid acceleration / deceleration, and sudden steering while riding; and The driving information transmitting means for transmitting to the insurance company server in association with the in-vehicle terminal, and the insurance company server consumes the vehicle insurance contract premium from the pre-paid insurance premium. A variable consumption insurance system comprising: a consumption insurance premium calculating unit that calculates the calculated insurance premium based on the usage information received from the on-board terminal and the driving information received from the analysis institution server. 12. An insurance company server of an insurance company and an in-vehicle terminal provided in a vehicle are connected via a network, and the in-vehicle terminal stores information on the use of the vehicle such as the age of the driver and the number of passengers. There is provided usage information transmitting means for inputting a declaration and transmitting it to the insurance company server, and driving data transmission means for transmitting driving data acquired from various sensors of the vehicle to the insurance company server. Data processing means for digitizing the driving data to create driving information such as traveling speed, rapid acceleration / deceleration, and sudden steering while riding, and insurance consumed by the ride from a contract insurance premium paid in advance. A variable consumption insurance system comprising: a consumption insurance premium calculating means for calculating a fee based on usage information and driving information received from a vehicle-mounted terminal.