JP2003076859A - Insurance premium accounting device, insurance premium accounting system, insurance premium accounting method, insurance premium accounting program, computer- readable recording medium with it recorded thereon - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reflect the actual usage state of insurance object (automobile or the like) in order to charge a fair and appropriate insurance premium to a policy holder. SOLUTION: An insurance premium accounting device has a monitoring device 2 for acquiring the usage state information indicating the usage state of the insurance object and an insurance premium computation device 5 for charging the insurance premium of the amount responsive to the usage state information acquired by the monitoring device 2.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to, for example, an insurance fee charging device, an insurance fee charging system, an insurance fee charging method for charging an insurance fee for a vehicle or a ship in case of accident or theft. The present invention relates to an insurance premium billing program and a computer-readable recording medium recording the program.

[0002]

2. Description of the Related Art Conventionally, vehicles and ships (all of which are small,
Users regardless of size) are generally enrolled in accident damage insurance and theft insurance in preparation for an unexpected accident or theft. If the user has such insurance, in the event of an event to be covered by the insurance (an event assumed by the insurance company or the subscriber in advance), the user (insurance subscriber) will be compensated by a prescribed amount. You can receive compensation. Here, a general compensation amount calculation procedure will be described with reference to FIG.

FIG. 21 is an explanatory view schematically showing a conventional compensation amount calculation procedure. First, when an event to be covered by insurance occurs, the insurance subscriber (hereinafter referred to simply as the subscriber) reports the fact to the insurance company (S101).
In response, the insurance company investigates the facts to be declared (S102). That is, the insurance company investigates in detail the information (hereinafter, simply referred to as event information) regarding the “event covered by insurance” notified by the declaration from the subscriber. For example, in the case of a car accident, as event information,
Investigate the cause of the accident, the situation at the site, and the accident liability ratio of the subscriber. Of course, the above survey will only be done ex-post.

Then, the insurance company applies the collected event information to a predetermined compensation amount calculation method (calculation formula) (S10).
3) The compensation amount is determined (S104). After that, the insurance company pays the determined compensation amount to the subscriber (S1).
05).

[0005]

The insurance premium as a premium for such insurance is generally set by an insurance company that is an insurance service provider. Had the following problems.

Originally, in view of the principle of beneficiary burden, the insurance premium to be paid by the user (insurance subscriber) should be different depending on the risk rate. That is, more insurance money should be imposed on users (insurance subscribers) with a high accident rate and insurance objects with a high possibility of being stolen or having a large amount of damage.

For example, a user who runs a vehicle for a long time every day for commuting or working (insurance subscriber) and a user who drives a vehicle only for weekends (insurance subscriber) drive the vehicle for a long time. And mileage are completely different. Therefore, the incidence of traffic accidents that occur mainly while driving,
The occurrence rate of theft accidents that occur mainly during parking, the amount of compensation according to the accident, and the insurance premium that should be calculated based on these should also greatly differ for each user (insurance subscriber).

However, since it is difficult to accurately calculate the risk rate of each user in the future at the time of insurance contract, the insurance company uses the past accident statistics and the like to calculate the risk rate.
The user (insurance subscriber) was forced to pay the insurance premium according to the setting of uniform insurance premiums.

FIG. 22 is an explanatory view schematically showing a conventional insurance premium payment procedure. First, the insurance company applies past data (for example, past record of compensation payments) to a predetermined insurance premium calculation method (calculation formula) (S11).
1) The insurance premium is calculated (S112). Then, the insurance company charges the calculated insurance premium to the subscriber (S
113). In response, the subscriber pays the insurance premium to the insurance company (S114).

Next, the insurance premium calculation method (calculation formula) will be described in more detail with reference to FIGS. 23 to 25.

FIG. 23 shows the above insurance premium calculation method (calculation formula).
It is explanatory drawing which shows an example of typically. First, the insurance company calculates the total compensation amount (total compensation amount) by accumulating the compensation amount (compensation actual amount) paid to the subscriber in the past fixed period (for example, past one year). (S1
21). The insurance company adds a certain margin (such as profit and operating cost of the insurance company) to the total amount of compensation,
Calculate the total insurance premium required for the subscriber. Reflecting this total amount of insurance premiums, specifically, the total amount of insurance premiums is divided by the number of subscribers to determine the insurance premium to be charged to each individual subscriber (S1).
22).

That is, the insurance company (or an insurance premium calculation society common to the industry) uses the total amount of the compensation amount calculated based on the statistical information of the past compensation results and the total amount of the insurance company's margin etc. The value averaged by the number is set as the final insurance premium.

FIG. 24 shows an example of accident and damage insurance for automobiles. This figure is an explanatory view schematically showing an example of an insurance premium calculation method (calculation formula) in so-called automobile insurance (accident damage insurance).

First, the subscriber selects an item he / she desires to join from the insurance items (compensation contents) shown in FIG. In the figure, the insurance items are composed of items of three levels, large, medium, small, and if the subscriber selects, for example, "personal compensation" as the large item, "death" or "injury" is selected as the medium item. You can select "Passenger" and "Personal" as sub-items.

As shown in the figure, the compensation amount ai per case and the probability pi of occurrence of the corresponding event are set in advance according to each small item. Compensation amount ai and probability pi
The product of and is set as the insurance premium according to the small items. The probability pi corresponds to the above-described risk rate, and originally differs depending on the user (insurance subscriber) and the usage state of the vehicle, but here, the age of the subscriber and It is set as a uniform value considering only the vehicle type.

Then, by summing up the insurance premiums corresponding to the small items desired to be subscribed, the insurance premium to be paid by the subscriber can be obtained.

However, the above-mentioned conventional insurance premium calculation method (calculation formula) causes the following problems.

The first problem is that even if the usage status and accident risk ratio of the insurance object differ among the subscribers, each subscriber must bear the same insurance premium (substantially equal. Injustice).

This problem will be described with reference to FIG. This figure is an explanatory diagram that schematically shows the actual usage status of automobiles (cars) for each subscriber and the usage status of automobiles that is grasped after making a model case uniformly for all subscribers. Is.

The graph on the left side of FIG. 25 shows the usage status of the automobiles of the subscribers A, B, and C during a certain period (for example, annual period). According to the graph, subscriber C has the longest driving time of the vehicle and the shortest parking time, while subscriber B has the shortest driving time of the vehicle and the longest parking time of the vehicle.

However, in determining the actual insurance premium, such differences in the usage status among the subscribers are averaged, and the usage status of the model-cased automobile shown in the graph on the right side of FIG. Be understood. That is, the driving time and the parking time of the automobiles of the subscribers A, B, and C are all considered to be the same.

This model case is shown in FIG.
This corresponds to setting the probability pi as a uniform value. Therefore, as long as the subscribers A, B, C subscribe to the same insurance item (see FIG. 24), the subscribers A, B, C
The insurance premiums charged to a person are uniformly determined.

Therefore, the rate of occurrence of traffic accidents during running is high for subscribers who drive a car for a long time every day for commuting or working, and for subscribers who drive a car only for weekend excursions. Despite the differences, as mentioned above, the insurance premium for automobile insurance (accident damage insurance) is set uniformly. As a result, the subscriber's fee burden becomes substantially unfair, and the burden of insurance premiums increases for subscribers who rarely use the insurance target.

Further, if the above-mentioned conventional insurance premium calculation method is adopted, the insurance company raises the insurance premium as a whole for some high-risk subscribers who drive for a long time or drive roughly. There is no choice but to set it, forcing all subscribers to bear heavy insurance premiums. As a result, it has become a social problem that users who avoid high insurance premiums do not take out voluntary insurance.

The second problem is that when a plurality of different insurance contracts are made for an object to be insured, the insurance premium as a whole becomes unreasonable.

For example, a driver (subscriber) of an automobile takes out not only accident and liability insurance for compensation for personal damages and object compensation, but also vehicle (theft) insurance for compensation for theft of an automobile. Is common. In principle, these multiple insurance contents and insurance fees are set independently of each other, but in this case, the following irrationality may occur.

The typical use state of an automobile can be a running state and a parking state. However, compensation for interpersonal compensation and object compensation is mainly required when the automobile is in a traveling state. On the other hand, theft compensation is mainly required when the vehicle is parked.

However, as described above, since the insurance premiums for all insurances are usually set independently, for example, in the case of theft insurance, the same insurance premium is charged regardless of the length of time the vehicle is parked. Therefore, for a user who has a short car parking time, the risk of car theft is relatively low, but a predetermined amount of theft insurance premium must be paid, while for a user who has a short car driving time, For example, even though the risk of an accident occurring is relatively small, it is necessary to pay a certain amount of accident damage insurance premiums.

That is, from the user's (subscriber) 's point of view, originally, the accident damage compensation insurance premium is paid only for the driving period of the car, and the theft insurance premium is paid only for the parking period of the car. It is rational. However, in reality, even if a plurality of different insurance policies are applied to an automobile, there is no correlation between the insurance premiums set by each other, so that the burden on the insurance premium as a whole becomes unreasonable.

In order to alleviate the above problems, various improvements have been proposed, and for example, a class discount system according to the accident history of a user (subscriber) is widely known. Also, as a further improvement plan, the color of the license (excellent driver,
Colors suitable for beginners and the elderly), vehicle types (normal passenger cars, motorcycles, large vehicles, etc.), intended use of the vehicle (commuting, business, leisure, etc.), annual mileage, use area, license acquisition Risk subdivision insurance, which determines insurance premiums based on information such as the number of years elapsed, is being introduced. In such risk subdivided insurance, a cheap insurance premium is set for subscribers who have renewed their driver's licenses or who limit their mileage as a good driver.

However, each of the improvement plans has a limit due to the difficulty of predicting the risk rate (accident occurrence rate, theft rate) in advance, and therefore alleviates the substantial inequity of the insurance premium burden. , The above-mentioned problems were not solved yet. For example, in the case of risk subdivided insurance, the insurance fee is determined for information such as the color of the license, the purpose of use of the vehicle, and the annual mileage. It only stays at the level. In addition, the calculation of insurance premiums in the risk subdivision insurance is based on the assumption that the information declared by the subscriber is correct, but in general it is not possible for the subscriber himself to accurately grasp future mileage, etc. Were forced to make an insurance contract that relied on intuition. If the information declared by the subscriber is incorrect,
In addition, there will be unfairness in the insurance premium burden among the subscribers.

The present invention has been made to solve the above-mentioned problems, and its purpose is to perform billing according to the actual usage state of insurance objects (such as automobiles).
To provide subscribers with an insurance fee charging device, an insurance fee charging system, an insurance fee charging method, an insurance fee charging program, and a computer-readable recording medium recording the same, which charges a fair and appropriate insurance fee. is there.

[0033]

In order to solve the above-mentioned problems, an insurance fee charging device according to the invention of claim 1 obtains utilization state information representing utilization state of an object to be insured. And a charging means for charging an insurance premium of an amount corresponding to the usage status information acquired by the usage status information acquisition means.

In the above structure, the present invention can be applied to any object such as an automobile, a ship, a railroad, various electric devices, etc. as long as the usage state can be considered. Examples of the usage status information include information that the vehicle is driving (moving), information that the engine is driving / stopping, moving speed, moving direction, moving history, position environment, in-vehicle equipment of the insurance target. Information on whether or not to use (including mobile phones) is included. The usage status information acquisition mode may be input by the user of the insurance object through the usage status information acquisition means, or the usage status information acquisition means may automatically detect the usage status information of the insurance object. May be.

The usage status information acquisition means may acquire the usage status information on a regular basis such as every minute, every hour, every year, or in accordance with a change in the usage status of the insurance object. It is preferable that the For example, it is preferable to automatically acquire this change when the driving state of the engine in the automobile of the insurance object is acquired every one hour or when the usage state of the engine changes from the stopped state to the driving state.

Further, from the usage status information of the insurance object, when the user is performing a usage act that increases risk, a penalty amount may be added to the insurance premium. As a specific example, a case where a user is driving a car while using a mobile phone can be considered.

According to the above configuration, the usage status information acquiring unit acquires the usage status information of the insurance object, and the charging unit charges the amount of money according to the usage status information to calculate the insurance premium ( (Billing) is performed. Therefore, a flexible insurance premium is added according to the change in the usage state of the insurance object.

As a result, the insurance premium is calculated according to the actual usage of the insurance object, so that
A fair and appropriate insurance premium can be calculated.

The insurance fee charging device according to the invention of claim 2 is
In order to solve the above-mentioned problems, in the structure of claim 1, the billing means continues the usage state to an insurance premium unit price set in advance according to the usage state of the insurance object based on the usage state information. The feature is that the insurance premium is calculated by multiplying by time.

In the above structure, the meaning of the insurance object,
The timing at which the usage status information acquisition means acquires the usage status information is the same as in claim 1.

The insurance premium unit price set in advance according to the usage state of the insurance object means the insurance premium per hour which is determined in advance by classifying the usage states of the insurance object and corresponding to each usage state. Say. In addition, with the duration of the usage state,
It may be a real total time of not only continuous duration but also intermittent duration.

According to the above configuration, the insurance unit price is selected based on the usage status information acquired by the usage status information acquisition means and charged as the insurance premium. Therefore, when the insurance object continues the same operation, a fixed amount of insurance premium is added every predetermined time, while after the usage state of the insurance object changes, a different amount of insurance premium is added. It will be.

As an example, an insurance premium unit price corresponding to the theft insurance premium is set corresponding to the stopped state of the engine of the automobile, while an insurance premium equivalent to the theft insurance premium is set corresponding to the driving state of the engine. An example is when a unit price is set. In this example, the insurance unit price corresponding to the period when the engine of the automobile is stopped (while the automobile is parked) is A, while the engine of the automobile is in the drive state (while the automobile is in the drive state). ), The total amount of insurance premiums to be charged is A × T _a + B × T if the automobile engine is stopped for _a time T _a and then driven for a time T _{b. b} .

As a result, in addition to the effect of claim 1, by simplifying the procedure for calculating the insurance premium, it is possible to reduce the calculation processing load of the insurance premium charging device.

The insurance fee charging device according to the invention of claim 3 is
In order to solve the above problems, in the configuration of claim 1 or 2, the usage state information includes information on whether or not the insurance object is moving.

In general, when the insured object is moving, the risk of becoming a perpetrator of an accident is increased, and when the insured object is stopped, the risk of theft is increased. Whether or not is moving is important information when setting insurance premiums.

According to the above arrangement, the usage status information acquired by the usage status information acquisition means includes information as to whether or not the insurance target object is moving. A risk and an appropriate amount of insurance premium can be set / calculated for this risk.

As a result, in addition to the action and effect of claim 1 or 2, it is possible to more appropriately calculate the insurance premium according to the actual operating conditions of the insurance object.

An insurance fee charging device according to the invention of claim 4 is
In order to solve the above problems, in the configuration according to any one of claims 1 to 3, there is provided information storage means for storing the usage status information acquired by the usage status information acquisition means, and the charging means is the above It is characterized in that the insurance fee is charged based on the accumulated information of the information accumulating means.

In the above structure, the information storage means is
A RAM (Random Access Memory) or a ROM (Read O
Any configuration such as a semiconductor memory such as nlyMemory), an information recording device using a magnetic disk drive or an optical disk drive as a recording medium, and the like can be adopted.

According to the above configuration, the usage status information acquired by the usage status information acquisition means is once stored in the information storage means as a database, and the charging processing is performed by the charging means based on this storage information. Therefore, not only the acquired information itself, but also past history information and statistical information can be derived from the database, and the insurance premium can be charged based on these information. For example, if the mileage of the vehicle exceeds a predetermined value, a special amount can be added / subtracted to the total insurance premium.

As a result, any one of claims 1 to 3 is provided.
In addition to the function and effect of the term, it becomes possible to deal with a more sophisticated insurance premium calculation method, so that various insurance premium decisions can be realized.

In order to solve the above-mentioned problems, the insurance fee charging system according to the invention of claim 5 is provided with a usage status information acquisition means for acquiring usage status information indicating the usage status of the insurance object. The device is characterized in that the device and a billing device having a billing device for billing an insurance fee of an amount corresponding to the usage status information acquired by the usage status information acquisition device are connected via a communication line.

Among the above-mentioned constitutions, the difference from the constitution of claim 1 is that the insurance object side device equipped with the utilization status acquisition means and the charging device equipped with the charging means are connected via a communication line. is there. Here, any communication line such as a telephone, the Internet, and a local area network can be adopted regardless of whether it is wired or wireless.

According to the above configuration, in addition to the same effect as the first aspect, even if the object to be insured and the billing device are far apart, the billing calculation of the insurance premium can be performed accurately in substantially real time. It can be carried out.

As described above, the form of the communication line is not particularly limited, but it is preferable to adopt a wireless line. If the wireless line is adopted, the usage information can be transmitted and received smoothly even when the insurance object moves.

An insurance fee charging method according to the invention of claim 6 is as follows:
In order to solve the above problems, a usage status information acquisition stage for acquiring usage status information indicating the usage status of the insurance object, and an insurance premium of an amount corresponding to the usage status information acquired at the usage status information acquisition step And a billing stage for billing.

In the above configuration, the object of insurance, the meaning of the usage status information, and the acquisition timing of the usage status information are the same as in claim 1.

According to the above configuration, the usage status information of the insurance object is acquired in the usage status information acquisition step, and the amount corresponding to the usage status information is charged in the charging step, so that the insurance premium Calculation (billing) is performed. Therefore,
A flexible insurance premium is added according to the change in the usage status of the insurance target.

As a result, the same function and effect as those of the first aspect are achieved.

An insurance fee charging method according to the invention of claim 7 is as follows:
In order to solve the above-mentioned problems, the usage status information acquisition step of acquiring usage status information representing the usage status of the insurance target object, and the usage status information acquired in the usage status information acquisition step are stored outside the insurance target object. According to the usage status information transmitting step of transmitting to the usage status information, the usage status information receiving step of receiving the usage status information transmitted in the usage status information transmitting step, and the usage status information received in the usage status information receiving step. And a charging step of charging an insurance premium of a different amount.

In the above configuration, the use state information can be transmitted and received by telephone, internet, wired or wireless.
Any communication means such as a local area network can be adopted. If a wireless line is used for sending and receiving usage status information, even if the insurance object moves
It is possible to smoothly transmit and receive the usage information.

As a result, the same operational effect as the fifth aspect is achieved.

In order to solve the above-mentioned problems, an insurance fee charging program according to the invention of claim 8 causes a computer to
The insurance fee charging method according to claim 6 or 7 is executed.

A computer-readable recording medium according to the invention of claim 9 is characterized in that, in order to solve the above-mentioned problems, the insurance fee charging program according to claim 8 is recorded in a computer.

According to these configurations, by causing the computer to read and execute the insurance fee charging program, the same operational effect as that of claim 6 or 7 can be obtained.

[0067]

BEST MODE FOR CARRYING OUT THE INVENTION Regarding one embodiment of the present invention,
The following is a description with reference to the drawings.

(1. Concept of the Present Invention) First, the concept of the present invention will be described with reference to FIG.

According to the present invention, when an event to be insured, such as an accident or theft, occurs, the usage state of the insurance target vehicle or ship is, for example, running (driving) or stopped (parking). ), The insurance fee is charged according to the usage status of the insured object.

For example, as shown in FIG. 2, the first insurance (insurance fee) applied by an insurance subscriber (hereinafter simply referred to as a subscriber) in the position of a perpetrator and the subscriber is injured. The insurance (insurance premium) applied from the standpoint of the person in charge is appropriately selected according to the usage state of the insurance object.

In this case, if the insurance target is, for example, an automobile, as an example of the above-mentioned first insurance, an accident damage insurance for compensating for an accident while the vehicle is driving is used as an example of the above-mentioned second insurance. As an example, you can think of non-life insurance that compensates for theft when a car is parked.

As a result, since the insurance premium is calculated according to the actual usage of the insurance target,
Fair and appropriate insurance premiums can be charged.

(2. System Configuration) Next, the insurance fee charging system of the present invention will be described. It should be noted that the following description will be made mainly on the assumption that the insurance target is an automobile (vehicle), but the same applies when the insurance target is a ship or the like.
FIG. 1 shows a schematic configuration of the insurance fee charging system.

As shown in the figure, this insurance fee charging system includes a transmitter 1, a monitoring device 2 (insurance target side device),
Insurance processing unit 5 (billing device) and settlement system 6
And are communicatively connected to each other via a communication line.

The transmitter 1 and the monitoring device 2 may be communicable with each other via a management device (not shown) that manages the monitoring device 2. Further, the payment system 6 may be included in the insurance premium calculation processing device 5.

The transmitter 1 is a remote device possessed by a subscriber (user) who insures an object to be insured and sends the intention information of the subscriber to the monitoring device 2. For example, the transmitter 1 has only a transmission function. Devices (remote control), mobile phones, mobile terminals, P
It is composed of C (Personal Computer) and the like.

The above-mentioned intention information is a kind of usage status information indicating the usage status of the insurance object (automobile), and includes, for example, information that a car is about to enter an expressway and information that a car will enter a mountain road. Such information about the driving situation of a car is applicable. By transmitting such an operating condition as information from the transmitter 1 to the monitoring device 2, the insurance premium calculation processing device 5 described later causes the monitoring device 2 to operate.
Based on the information transmitted via the above, it is possible to grasp the usage status of the automobile of the subscriber and to calculate the insurance premium according to the usage status.

Further, the intention information includes, for example, information for instructing ON / OFF of the monitoring mode which is the operation mode of the monitoring device 2. Monitoring mode ON
Is a mode that is set in response to the necessity of monitoring the insurance target object, and is set in preparation for theft or the like when the subscriber parks the automobile that is the insurance target object. On the other hand, the monitoring mode OFF is a mode that is set in correspondence with the case where the insurance target is not required to be monitored.
It is set for the purpose of canceling the monitoring mode when there is no fear of the car being stolen.

Therefore, when the subscriber intends to use a car from now on (when trying to drive a car)
When the monitoring device 2 is instructed to turn off the monitoring mode, the monitoring device 2 is instructed to turn on the monitoring mode when the use of the vehicle is stopped (when the vehicle is parked). From this, the transmitter 1 in the monitoring mode O
It can be said that the N / OFF instruction is linked to the subscriber's intention to use the car.

The monitoring device 2 is mounted on, for example, an insurance target and monitors the state of the insurance target. When an abnormality such as opening / closing of a car door or starting an engine occurs in the monitoring mode ON, the monitoring device 2 transmits the information to a security company via a management device (not shown) or threatens a thief. To control automobile equipment. Examples of the threatening action of a thief include ringing a horn and blinking a hazard lamp.

Further, the monitoring device 2 has object information (usage status information) indicating how the insurance object is in a state.
Is also collected and transmitted to the insurance premium calculation processing device 5. Therefore, the insurance premium calculation processing device 5 can set an insurance range, a condition, an insurance premium, and the like based on the object information.

Here, the above-mentioned object information includes, for example, whether the vehicle is running or parked (information on whether the insurance object is moving), speed, door open / closed state, door locked state, gasoline remaining amount. , Information about automobiles such as engine oil pressure, seat belt wearing condition, accelerator pedal depression amount,
Information about user actions such as the amount of brake depression, the amount of side brake pull, the steering wheel turning angle, the outside temperature,
There are information on the outside of the vehicle such as humidity, the presence / absence of precipitation, the brightness of the surroundings, and intention information transmitted from the transmitter 1. The target object information items 1 to 3 are used as a kind of sensor included in the monitoring device 2 and are included in the target object information detection unit 21 (utilization state information acquisition unit, FIG.
It is detected (acquired) by the reference.

The insurance premium calculation processing device 5 calculates the insurance premium according to the usage status of the insurance object of the subscriber based on the object information transmitted from the monitoring device 2. This is a characteristic part. The insurance premium calculation processing device 5 is composed of a performance storage device 3 (information storage means) and an insurance premium calculation device 4.

The record storage device 3 stores the object information transmitted from the monitoring device 2. Note that the object information accumulated by the record accumulating device 3 will also be referred to as accumulated information below. The insurance premium calculation device 4 calculates the actual insurance premium for each subscriber based on the accumulated information of the performance accumulation device 3.

In this embodiment, the record accumulating device 3 and the insurance premium calculating device 4 are separate devices, but they may be integrated. In this embodiment, in order to clarify the function of the insurance premium calculation processing device 5, it is divided into two devices.

The settlement system 6 is a system for settlement of insurance premiums with subscribers. A publicly known system can be used as the settlement system 6. For example, when the subscriber pays the insurance fee in advance as a prepayment, the settlement system 6 transfers the difference between the prepayment and the insurance fee calculated by the insurance fee calculation processing device 5 to the subscriber's account as a refund. .

In the present embodiment, an example will be described in which the transmitter 1 transmits intention information (for example, monitoring mode ON / OFF instruction information) to the monitoring device 2. However, the above-mentioned instruction information is transmitted from the transmitter 1. Even if the monitoring device 2 and other devices (for example, the insurance premium calculation processing device 5) are not provided, the monitoring device 2
The instruction information may be automatically determined based on the distance between the transmitter 1 and the transmitter 1.

Next, the detailed configuration of each of the above-mentioned devices constituting the insurance fee charging system will be described below.

(3. Transmitter) FIG. 3 is a block diagram showing a schematic configuration of the transmitter 1. As shown in the figure, the transmitter 1 includes an intention input unit 11 (use state information acquisition means),
Intention transmission unit 12, calculation unit 13, memory unit 14, and D
It has a B management unit 15 and a transmitter program DB 16.

The intention input unit 11 is for inputting the intention information of the subscriber to be transmitted to the monitoring device 2, and if the transmitter 1 is, for example, a general transmission device (remote control) or a mobile phone, A microphone to which various buttons and voices are input corresponds to this, and if the transmitter 1 is a PC, a keyboard and a mouse correspond to this.

The intention transmitting unit 12 controls an interface for transmitting the intention information input from the intention input unit 11 to the monitoring device 2. The transmission of the intention information can be performed by infrared communication or wireless communication, for example.

For example, FIG. 4 shows an appearance of the transmitter 1 when the transmitter 1 is composed of a general remote controller capable of infrared communication. The monitoring start instruction button 11a and the monitoring end instruction button 11b correspond to the above-mentioned intention input unit 11, and the infrared light emitting unit 12a corresponds to the above-mentioned intention transmitting unit 12.

In FIG. 4, the intention input unit 11 is composed of input buttons, but it may be composed of a voice recognition device or the like which inputs the intention information by receiving the intention information of the subscriber by voice. .

The calculation unit 13 is a transmitter program DB 16
It has a function of executing a program stored in the computer to charge various charges and a drive control of each unit of the transmitter 1 based on the program, such as a CPU (Central Processing).
Unit)).

The memory section 14 is a section which becomes an execution area in which the arithmetic section 13 executes the above-mentioned program.
OM (Read Only Memory) and RAM (Random Access Me)
mory) and other memory elements.

The DB management unit 15 is a transmitter program DB.
16 are managed. The transmitter program DB 16 stores a program for transmitting the intention information input from the intention input unit 11 to the monitoring device 2, a program executed by the calculation unit 13, and an OS (Operating System).

It is needless to say that the transmitter 1 is provided with an output section such as a display section and a speaker in addition to the above as long as it is constituted by a mobile phone.

(4. Monitoring Device) Next, the monitoring device 2 will be described. FIG. 5 is a block diagram showing a schematic configuration of the monitoring device 2. As shown in the figure, the monitoring device 2 includes an object information detection unit 21, a network communication unit 22, a calculation unit 23, a memory unit 24, a DB management unit 25, a monitoring information DB 26, and a monitoring processing program. It has DB27.

The object information detecting section 21 detects the object information as described above regarding the insurance object,
For example, it is composed of various sensors.

The network communication unit 22 has a function of controlling communication with the outside (for example, the transmitter 1 and the insurance premium calculation processing device 5) via the network. The network may be wired or wireless, and any means may be used as long as the monitoring device 2 and other network devices can communicate with each other.

The calculation unit 23 uses the monitoring processing program DB2.
You can execute the programs stored in 7 for various charges,
The monitoring device 2 has a function of driving and controlling each part based on the program, and is configured by, for example, a CPU.

The memory section 24 is a section serving as an execution area in which the arithmetic section 23 executes the above-mentioned program.
It is composed of storage elements such as OM and RAM.

The DB management unit 25 manages the monitoring information DB 26 and the monitoring processing program DB 27.

The monitoring information DB 26 includes the object information detecting section 2
The object information detected in 1 and the intention information transmitted from the transmitter 1 are collectively stored as object information.

The monitoring processing program DB 27 sends a program for storing the object information in the monitoring information DB 26 and the object information stored in the monitoring information DB 26 to the insurance premium calculation processing device 5 via the network communication section 22. A program for executing the program, a program executed by the calculation unit 23, an OS, and the like are stored.

(5. Achievement accumulation device) Next, the achievement accumulation device 3 of the insurance premium calculation processing device 5 will be described. Figure 6
FIG. 3 is a block diagram showing a schematic configuration of a performance storage device 3.
As shown in FIG.
, The network communication unit 32, the calculation unit 33, the memory unit 34, the DB management unit 35, and the object state result DB 36.
And a storage processing program DB 37 and a program data DB 38.

The input / output unit 31 has an input / output function for exchanging various kinds of information between the administrator who manages the record accumulating device 3 and the record accumulating device 3. The input means can be composed of, for example, a keyboard, a numeric keypad, a mouse, a bar code reader, or the like. Further, the output means can be constituted by, for example, a display or a printer.

The network communication unit 32 has a function of controlling communication with the outside (for example, the monitoring device 2 and the insurance premium calculation device 4) via the network. The network may be wired or wireless, and any means may be used as long as it can communicate with the history storage device 3 and other network devices.

The calculation unit 33 uses the storage processing program DB3.
You can execute the programs stored in 7 for various charges,
It has a function of driving and controlling each part of the achievement accumulating device 3 based on the above-mentioned program, and is composed of, for example, a CPU.

The memory section 34 is a section that serves as an execution area in which the arithmetic section 33 executes the above-mentioned program.
It is composed of storage elements such as OM and RAM.

The DB management unit 35 uses the object status record DB3.
6. It manages the storage processing program DB 37 and the program data DB 38.

The object status record DB 36 stores object information transmitted from the monitoring device 2.

The accumulation processing program DB 37 stores the object information accumulated in the object state performance DB 36 in response to a program for accumulating the object information in the object state performance DB 36 and a request from the insurance premium calculation device 4. A program for transmitting to the insurance premium calculation device 4 via the network communication unit 32, a program executed by the calculation unit 33, O
S and the like are stored.

The program data DB 38 stores programs other than the above, and stores, for example, application software such as word processor software used by the administrator of the record accumulating device 3 and data associated therewith.

(6. Insurance premium calculation device) Next, the insurance premium calculation device 4 of the insurance premium calculation processing device 5 will be described. Figure 7
FIG. 3 is a block diagram showing a schematic configuration of an insurance premium calculation device 4. As shown in the figure, the insurance premium calculation device 4 includes an input / output unit 41, a network communication unit 42, a calculation unit 43,
Memory unit 44, DB management unit 45, advance payment DB 46
, Insurance premium calculation program DB 47, insurance premium determination DB
It has 48 and a program data DB 49.

The input / output unit 41 has an input / output function for exchanging various kinds of information between the manager who manages the insurance premium calculation apparatus 4 and the insurance premium calculation apparatus 4. As input means, for example, a keyboard, numeric keypad, mouse,
It can be configured with a barcode reader or the like. Further, the output means can be constituted by, for example, a display or a printer.

The network communication section 42 has a function of controlling communication with the outside (for example, the record accumulating device 3 and the settlement system 6) via the network. The above-mentioned network, whether wired or wireless, is used for the insurance premium calculation device 4
Any means can be used as long as it can communicate with other network devices.

The calculation section 43 is an insurance premium calculation program DB.
It has a function of executing a program stored in 47 to perform various charges, and drivingly controlling each unit of the insurance premium calculation device 4 based on the program, and is configured by, for example, a CPU.

The memory section 44 is a section which becomes an execution area in which the arithmetic section 43 executes the above-mentioned program.
It is composed of storage elements such as OM and RAM.

The DB management unit 45 manages a prepayment DB 46, an insurance premium calculation program DB 47, an insurance premium determination DB 48, and a program data DB 49.

The prepayment DB 46 stores the amount of prepayment paid by the subscriber.

The insurance premium calculation program DB 47, based on the object information (including the subscriber's intention information) transmitted from the record accumulating device 3, pays an insurance premium for each subscriber according to the usage status of the insurance object. An insurance premium calculation program for calculation, a program executed by the calculation unit 43, an OS, etc. are stored.

The insurance premium determination DB 48 stores the insurance premium calculated by the calculation unit 43 according to the above-mentioned insurance premium calculation program.

The program data DB 49 stores programs other than the above, and stores, for example, application software such as word processor software used by the administrator of the insurance calculation device 4 and data accompanying it. .

(7. System Operation) Next, the operation of the present insurance fee charging system will be described below by taking accident damage insurance as an example. It should be noted that the flow of the overall operation of the insurance fee charging system will be described first based on FIG. 8, and then the operation of each device will be described.

(7-1. Overall Operation) Here, the subscriber has, as intention information, a monitoring mode ON for instructing the start of monitoring and a monitoring mode OF for instructing the end of monitoring.
F and can be selected. The term "insurance company" is a generic term for institutions that manage insurance premiums, and collectively refers to the insurance premium calculation processing device 5 and the settlement system 6.

First, the subscriber pays an advance payment corresponding to the maximum compensation range desired by the subscriber to the insurance company when making an insurance contract with the insurance company (S1). On the other hand, the subscriber uses the transmitter 1 to instruct the monitoring device 2 to start or end the monitoring of the vehicle (S2). As a result, the monitoring device 2 monitors the state of the sensing target (vehicle) (S3). Then, the monitoring device 2 transmits the sensed information and the operation instruction information from the transmitter 1 as the object information to the record accumulating device 3 of the insurance calculation processing device 5 (S4). As a result, the performance storage device 3 stores the target object information.

When the record accumulating device 3 transmits the accumulated object information to the insurance premium calculating device 4 (S5), the insurance premium calculating device 4 compensates for the theft of the vehicle at the start of monitoring and the interpersonal / objective at the end of monitoring. The insurance mainly composed of accident compensation such as the above is constructed, and after the insurance premium commensurate with such insurance is calculated, the settlement system 6 is notified (S6). The insurance content at the start of monitoring or at the end of monitoring is determined at the time of contract, and the insurance content can be changed during the effective period of the insurance.

The settlement system 6 offsets the advance payment paid in advance and the insurance premium notified from the insurance premium calculation device 4, and transfers the difference to the subscriber's account as a refund (S7). In addition, the settlement system 6 charges the subscriber's mobile phone (which may also serve as the transmitter 1) an insurance premium at the time of starting monitoring, ending monitoring, paying refund, ending insurance period or canceling insurance. The refund money may be notified by e-mail or voice (S8).

(7-2. Operation of Transmitter) Next, the transmitter 1
The operation will be described below with reference to FIG.

First, the arithmetic unit 13 of the transmitter 1 determines whether or not there is a subscriber's intention input by the intention input unit 11 (S11). If there is no intention input, the calculation unit 13
Other processing (for example, control of each unit) is executed as U (S1
2) Wait for input from the subscriber. On the other hand, if there is a subscriber's intention input in S11, the calculation unit 13 transmits the input intention information to the monitoring device 2 (S13).

(7-3. Operation of Monitoring Device) Next, the operation of the monitoring device 2 will be described below with reference to FIGS. 10 to 13.

First, the arithmetic unit 23 determines whether or not the intention information of the subscriber has been received from the transmitter 1 (S21). If the intention information has not been received, the calculation unit 23 determines that the CP
Other processing (for example, control of each unit) is executed as U (S2
2) Wait for receipt of the intention information. On the other hand, in S21,
When the intention information is received, the calculation unit 23 stores the intention information in the monitoring information DB 26 (S23).

Further, the calculation unit 23 includes the object information detection unit 2
It is determined whether or not 1 has detected the state of the insurance object (automobile) (S31). If the state is detected in S31, the calculation unit 23 stores the information detected by the target object information detection unit 21 in the monitoring information DB 26 as target object information (S3).
4).

On the other hand, in S31, the object information detection unit 21
Even if the state detection is not performed in step S <b> 32, if the intention information is received from the transmitter 1 or the like when the state detection in the object information detection unit 21 is necessary (S <b> 32), the calculation unit 23 The target object information detection unit 21 is caused to detect the state of the vehicle, the target object information is acquired from the target object information detection unit 21 (S33), and the acquired target object information is monitored information D.
It is stored in B26 (S34).

Further, in S32, the object information detection unit 21
If it is not the timing when the state detection in S is necessary, the calculation unit 23 executes other processing (for example, control of each unit) (S
35), and waits for state detection by the object information detection unit 21.

Here, FIG. 12 shows an example of the object information (including the intention information) stored in the monitoring information DB 26. Information such as the status of the monitoring mode and the opening / closing of the door or the trunk is stored in the monitoring information DB 26 as the object information together with the detection timing.

In this state, if there is a request for transmission of the object information stored in the monitoring information DB 26 from the record accumulating device 3 of the insurance premium calculation processing device 5 (S41), the computing unit 23 will target the monitoring information DB 26. Read the product information (S43),
The above object information is transmitted to the record accumulating device 3 (S4
4).

On the other hand, even if the above-mentioned transmission request is not issued from the record accumulating device 3, the record accumulating device of the above object information is stored, for example, after a predetermined time has passed since the object information was stored in the monitor information DB 26 If it is necessary to send to S3 (S4
2), the calculation unit 23 executes the processes of S43 and S44 described above.

In S42, for example, the monitoring information DB2
When it is not necessary to transmit the target object information to the record accumulating device 3, such as when the target object information is not stored in S6, the calculation unit 23 executes other processing (for example, control of each unit) (S4).
5) Wait for an information transmission request from the performance storage device 3.

(7-4. Operation of Achievement Accumulator) Next, the operation of the achievement accumulator 3 will be described below with reference to FIGS. 14 and 15.

First, the arithmetic unit 33 determines whether or not the object information is received from the monitoring device 2 (S51). If the target object information has been received, the arithmetic unit 33 stores the target object information in the target object state result DB 36 (S54).

On the other hand, in S51, even if the object information is not received, it is necessary to acquire the object information because, for example, there is already a request to send the object information from the insurance premium calculation device 4. If there is (S52), the calculation unit 33 requests the monitoring device 2 to transmit the target object information, acquires the target object information (S53), and acquires the acquired target object information from the target object state record D.
It is stored in B36 (S54).

In S52, for example, if there is no transmission request from the insurance premium calculation device 4 and acquisition of the object information is not necessary, the arithmetic unit 33 executes other processing (for example, control of each unit). (S55), the reception of the object information from the monitoring device 2 is awaited.

In this state, if there is a request from the insurance premium calculation device 4 of the insurance premium calculation processing device 5 to transmit the object information stored in the object state result DB 36 (S61), the operation unit 3 is executed.
3 reads the object information from the data management unit 35 (S
63), and transmits the object information to the insurance premium calculation device 4 (S64).

On the other hand, even if the above-mentioned transmission request is not issued from the insurance premium calculation device 4, for example, a predetermined time has passed since the object information was stored in the object state result DB 36, and the object information When the transmission to the insurance premium calculation device 4 is necessary (S62), the calculation unit 33 causes the calculation unit 33 to execute the above S63 and S.
The process of 64 is performed.

If it is not necessary to transmit the object information to the insurance premium calculation device 4 in S62, for example, if the object information is not stored in the object status record DB 36, the calculation unit 33 Other processing (for example, control of each unit) is executed (S65), and an information transmission request from the insurance premium calculation device 4 is waited for.

(7-5. Operation of insurance premium calculation device) Next,
Regarding the operation of the insurance premium calculation device 4, FIG. 16 and FIG.
The explanation is based on the following.

First, the calculation section 43 determines whether or not the object information has been received from the record accumulating device 3 (S71). If the target object information has been received, the calculation unit 43 calculates the insurance premium based on the target object information by a method described later (S74). Then, the calculation unit 43 stores the calculated insurance premium in the insurance premium determination DB 48 (S75).

Regarding the timing of calculating the insurance premium, in addition to this, for example, when there is a change in the intention information input by the transmitter 1, for example, every time the vehicle travels a certain distance. It doesn't matter.

On the other hand, in S71, even if the target object information is not received, the target object information necessary for calculating the insurance premium is acquired by, for example, inquiring about the insurance premium from the settlement system 6. If necessary (S72), the calculation unit 4
3 requests the achievement accumulating device 3 to transmit the target object information, acquires the target object information (S73), and S74 and S
The processing of 75 is executed.

Further, in S72, for example, the settlement system 6
If there is no inquiry from the user and acquisition of the target object information is unnecessary, the calculation unit 43 executes another process (for example, control of each unit) (S76), and receives the target object information from the performance storage device 3. wait.

In this state, if there is an inquiry about the insurance premium from the settlement system 6 (S81), the calculation unit 43.
Reads the insurance premium from the insurance premium determination DB 48 (S8
3), Notify the settlement system 6 of the insurance premium (S8)
4).

On the other hand, even without the above inquiry from the settlement system 6, for example, the insurance premium is calculated to determine the insurance premium D.
When it is necessary to notify the payment system 6 of the insurance premiums after a predetermined time has passed since it was stored in B48 (S82), the calculation unit 43 causes the calculation unit 43 to perform the above S83 and S84.
The process of is executed.

In S82, for example, the insurance premium determination DB
If there is no need to notify the settlement system 6 of the insurance premium, such as when the insurance premium is not stored in 48, the calculation unit 43
Executes other processing (for example, control of each unit) (S8
5) Wait for the insurance system inquiry from the payment system 6.

(7-6. Calculation Formula of Insurance Premium) The calculation of the insurance premium performed by the calculation unit 43 of the insurance premium calculating device 4 in the step S74 will be described below with reference to FIGS. 18 and 19. Is the street.

FIG. 18 is an explanatory diagram schematically showing the above formula for calculating the insurance premium. Here, an insurance premium per unit time (insurance unit price) is set in advance depending on whether the vehicle is driving (driving mode) or parked (parking mode). This corresponds to the insurance premium per hour that is determined by classifying the usage states of the vehicle in advance and corresponding to each usage state.

As shown in FIG. 18, the driving mode insurance premium is (Pad + Pdd + Pcd), and the parking mode insurance premium is Pcp. The breakdown of the insurance fee in the driving mode is that the person / objective insurance is Pad when the subscriber (user) corresponds to the perpetrator, and the passenger / personal injury compensation when the subscriber corresponds to the victim. The insurance premium is Pdd and the vehicle compensation insurance premium is Pcd.

On the other hand, the breakdown of the insurance premium in the parking mode is only Pcp corresponding to the vehicle compensation insurance premium. This is based on the idea that no accident compensation is required while the vehicle is parked, and only vehicle damage such as theft should be compensated.

The calculation unit 43 of the insurance premium calculation device 4 uses the above insurance premium unit price set in advance in accordance with the usage state of the vehicle.
The insurance premium is calculated by multiplying the duration of usage. Therefore, if the driving duration of the automobile is Rd and the parking duration is Rp, the formula for calculating the total insurance premium is (Pad
+ Pdd + Pcd) × Rd + Pcp × Rp. Of course, each duration may be not only a continuous duration but a substantial total of intermittent durations.

Next, a more sophisticated formula for calculating insurance premiums will be described with reference to FIG.

FIG. 19 shows that, depending on the usage state of the automobile,
It is explanatory drawing which shows the example of an insurance premium calculation which carries out stage charging.

First, as the first-stage billing, the usage state of the automobile is classified into the case of using the expressway and the case of using the general road, and different insurance premium unit prices are assigned to the respective usage states. Here, the insurance premium unit price when using a highway is the highway insurance premium Ph, and the insurance unit price when using a general road is the general road insurance premium Pn.

Next, as a second stage of charging, regardless of whether the vehicle uses an expressway or an ordinary road, whether the vehicle is in a busy road environment or when the vehicle is in a quiet state is used. Classify into the road environment and assign different insurance unit prices to each usage state. Here, the insurance premium unit price under the road environment at the time of congestion is referred to as a congestion insurance premium Pr, and the insurance premium unit price under the road environment at a time of offtime is referred to as the off-hours insurance premium Pf.

Here, the first-stage and second-stage charges are superposed. In other words, if the expressway use duration is Rh, the general road use duration is Rn, and independently of them, the congestion duration is Rr and the off-hour duration is Rf, the basic insurance amount (total insurance premium) is (Ph × Rh) + (Pn × R
n) + (Pr × Rr) + (Pf × Rf).

For the acquisition of the usage status information, automatic detection by the object information detection unit 21, information input to the intention input unit 11 by the user (subscriber), a combination of these, or the like can be adopted.

The insurance premium calculation formula described above is an example, and this calculation formula can be freely set according to the content of insurance. Any calculation formula can be set within the scope of the present invention as long as the insurance fee is charged according to the usage state of the automobile (insurance object).

Further, this insurance premium charging system can be used not only for charging insurance premiums, but also for calculating the negligence rate, which is an important factor for calculating compensation when an actual accident occurs. , I will explain this.

FIG. 20 is an explanatory diagram showing the calculation of the error coefficient when an accident occurs. Here, it is assumed that the content of the accident is a contact accident between cars equipped with this insurance fee charging system.

As shown in FIG. 20, according to the present insurance fee charging system, the driving state (collision direction, vehicle state,
Passenger conditions, environment, etc.) are specified. Therefore, the calculation unit 43 of the insurance premium calculation device 4 can calculate the overall error rate by assigning the error factor to these operating state parameters.

In FIG. 20, the degree of perpetrator (negligence rate) is calculated by summing up the negligence coefficients of the respective operating condition parameters.
Is calculated to be 5 points (5%) for the insurance subscriber side and 95 points (95%) for the accident partner side.

(8. Program and Recording Medium) The processing in the insurance premium calculation processing device 5 (actual performance storage device 3 and insurance premium calculation device 4) described above can be realized by a program (insurance fee charging program). It is possible. This program is stored in a computer-readable recording medium. In the present invention, this recording medium may be the accumulation processing program DB 37 of the record accumulating device 3 or the insurance premium calculation program DB 47 of the insurance premium calculation device 4, or because the insurance premium calculation processing device 5 performs the processing. It may be a necessary memory (not shown) (for example, ROM itself), or a program reading device (not shown) provided as an external storage device and readable by inserting a recording medium therein. May be

In any of the above cases, the stored program may be executed by the access of a microprocessor (not shown), or the stored program may be read and the read program may be shown. The program may be executed by downloading it to a program storage area that is not stored. In this case, it is assumed that the download program is stored in the main body device in advance.

Here, the program medium is a recording medium which can be separated from the main body, and is a tape system such as a magnetic tape or a cassette tape, or a floppy (registered trademark).
Magnetic disks such as disks and hard disks, and CD-Rs
Disc systems for optical discs such as OM / MO / MD / DVD, card systems such as IC cards (including memory cards) / optical cards, or mask ROM, EPROM, EEP
It may be a medium that fixedly carries the program, including a semiconductor memory such as a ROM or a flash ROM.

Further, in the present invention, since it has a system configuration that can be connected to a communication network including the Internet, it may be a medium that carries the program fluidly so as to download the program from the communication network. When the program is downloaded from the communication network in this way, the download program may be stored in the main body device in advance, or may be installed from another recording medium.

The content stored in the recording medium is not limited to the program and may be data.

(9. Methodical Expression of the Present Invention) If the operation of the insurance fee charging system of the present invention described above is expressed as an insurance fee charging method, the usage state information representing the usage state of the insurance object is acquired. It can be represented as comprising a use state information acquisition step and a charging step of charging an insurance premium of an amount corresponding to the use state information acquired in the use state information acquisition step.

As another expression, the usage status information acquisition step of acquiring usage status information indicating the usage status of the insurance target object, and the usage status information acquired in the above usage status information acquisition step are stored outside the insurance target object. According to the usage status information transmitting step of transmitting to the usage status information, the usage status information receiving step of receiving the usage status information transmitted in the usage status information transmitting step, and the usage status information received in the usage status information receiving step. It may be expressed as an insurance fee charging method including a charging step of charging an insurance fee of a different amount.

[0179]

As described above, the insurance fee charging apparatus according to the invention of claim 1 obtains the utilization state information indicating the utilization state of the insurance object, and the utilization state information acquiring means. And a charging means for charging an insurance premium of an amount corresponding to the acquired usage state information.

Therefore, the usage status information acquiring means acquires the usage status information of the insurance object, and the charging means charges the amount of money according to the usage status information.
The insurance fee is calculated (billed).

As a result, the insurance premium is calculated according to the actual usage of the insurance object, so that
This has the effect of being able to calculate a fair and appropriate insurance premium.

The insurance fee charging device according to the invention of claim 2 is
As described above, in the structure of claim 1, the charging means multiplies the unit price of insurance premium set in advance according to the usage state of the insurance object based on the usage state information by the duration of the usage state. The insurance premium is calculated according to.

Therefore, the above-mentioned insurance premium unit price is selected according to the usage status information acquired by the usage status information acquisition means and charged as the insurance premium.

Thus, in addition to the effect of claim 1, by simplifying the procedure of calculating the insurance premium, the calculation processing load of the insurance fee charging device can be reduced.

An insurance fee charging device according to the invention of claim 3 is
As described above, in the configuration of claim 1 or 2, the utilization state information includes information on whether or not the insurance object is moving.

Therefore, since the usage status information acquired by the usage status information acquisition means includes information as to whether or not the insurance object is moving, there is a risk of moving the insurance object, It is possible to set / calculate an appropriate amount of insurance premium for risk.

As a result, in addition to the effects of the first or second aspect, there is an effect that a more appropriate insurance premium can be calculated according to the actual operating conditions of the insurance object.

An insurance fee charging apparatus according to the invention of claim 4 is:
As described above, in the configuration according to any one of claims 1 to 3, there is provided information storage means for storing the usage status information acquired by the usage status information acquisition means, and the charging means includes:
The insurance fee is charged based on the information stored in the information storage means.

Therefore, the usage status information acquired by the usage status information acquisition means is temporarily stored in the information storage means as a database, and the charging processing by the charging means is performed based on this accumulated information.

Accordingly, any one of claims 1 to 3 is provided.
In addition to the function and effect of the term, it becomes possible to deal with a more sophisticated insurance premium calculation method, so that it is possible to realize various insurance premium decisions.

As described above, the insurance fee charging system according to the fifth aspect of the present invention includes the insurance object side device including the usage status information acquisition means for acquiring the usage status information indicating the usage status of the insurance object, and It is configured to be connected via a communication line to a billing device having a billing unit that bills an insurance amount of an amount of money according to the use state information acquired by the use state information acquisition unit.

Therefore, in addition to the same effect as the first aspect, even if the insurance object and the charging device are far apart, the charging calculation of the insurance premium can be accurately performed in substantially real time. .

An insurance fee charging method according to the invention of claim 6 is as follows:
As described above, the usage status information acquisition step of acquiring usage status information representing the usage status of the insurance object, and the charging for charging an insurance fee of an amount corresponding to the usage status information acquired in the usage status information acquisition step And stages.

Therefore, the usage status information of the insurance object is acquired in the usage status information acquisition step, and the amount corresponding to the usage status information is charged in the charging step, whereby the insurance premium is calculated (billing). Is done.

As a result, the same function and effect as those of the first aspect can be obtained.

The insurance fee charging method according to the invention of claim 7 is as follows:
As described above, the usage status information acquisition step of acquiring usage status information representing the usage status of the insurance object, and the usage status information acquired in the usage status information acquisition step is transmitted to the outside of the insurance object. Status information transmitting step, usage status information receiving step of receiving the usage status information transmitted in the usage status information transmitting step, and insurance of an amount of money according to the usage status information received in the usage status information receiving step And a charging stage for charging a fee.

As a result, the same function and effect as those of the fifth aspect are obtained.

As described above, the insurance fee charging program according to the invention of claim 8 causes the computer to execute the insurance fee charging method of claim 6 or 7.

A computer-readable recording medium according to a ninth aspect of the present invention, as described above,
The insurance fee charging program according to claim 8 is recorded.

[0200] According to these configurations, the same effect as in claim 6 or 7 can be obtained by causing the computer to read and execute the insurance fee charging program.

[Brief description of drawings]

FIG. 1 is an explanatory diagram showing a schematic configuration of an insurance fee charging system according to the present invention.

FIG. 2 is an explanatory diagram showing the concept of the present invention.

FIG. 3 is a block diagram showing a schematic configuration of a transmitter which constitutes the insurance fee charging system.

FIG. 4 is a perspective view showing an external appearance of the remote controller when the transmitter is configured by the remote controller.

FIG. 5 is a block diagram showing a schematic configuration of a monitoring device that constitutes the insurance fee charging system.

FIG. 6 is a block diagram showing a schematic configuration of a record accumulating device of an insurance fee charging device which constitutes the insurance fee charging system.

FIG. 7 is a block diagram showing a schematic configuration of an insurance fee calculation device of the insurance fee charging device.

FIG. 8 is an explanatory diagram illustrating a flow of operations in the insurance fee charging system.

FIG. 9 is a flowchart showing a flow of operations in the transmitter.

FIG. 10 is a flowchart showing a flow of an operation regarding acquisition of intention information from the transmitter in the monitoring device.

FIG. 11 is a flowchart showing a flow of operations relating to acquisition of information on an insurance object in the monitoring device.

FIG. 12 is an explanatory diagram showing an example of the object information.

FIG. 13 is a flowchart showing a flow of operations relating to transmission of object information to the record accumulating device in the monitoring device.

FIG. 14 is a flowchart showing a flow of an operation regarding acquisition of object information from the monitoring device in the record accumulating device.

FIG. 15 is a flowchart showing a flow of operations relating to transmission of the object information to the insurance premium calculation device in the performance accumulation device.

FIG. 16 is a flowchart showing a flow of operations relating to calculation of an insurance premium based on the object information in the insurance premium calculation device.

FIG. 17 is a flowchart showing a flow of operations regarding notification of the insurance premium to the settlement system in the insurance premium calculation device.

FIG. 18 is an explanatory diagram schematically showing an insurance premium calculation formula calculated by a calculation unit of the insurance premium calculation device.

FIG. 19 is an explanatory diagram showing an example of calculating an insurance premium for performing two-stage charging according to the usage state of the automobile.

FIG. 20 is an explanatory diagram showing calculation of a negligence coefficient when an accident occurs.

FIG. 21 is an explanatory diagram schematically showing a conventional compensation amount calculation procedure.

FIG. 22 is an explanatory diagram schematically showing a conventional insurance premium payment procedure.

FIG. 23 is an explanatory diagram schematically showing an example of a conventional insurance premium calculation method (calculation formula).

FIG. 24 is an explanatory diagram schematically showing an example of an insurance premium calculation method (calculation formula) in conventional automobile insurance (accident damage compensation insurance).

[Fig. 25] Fig. 25 is an explanatory diagram schematically showing the usage status of a vehicle for each subscriber and the usage status of a vehicle that is grasped after making a model case uniformly for all subscribers.

[Explanation of symbols]

2 Monitoring device (insurance target device) 3 Performance storage device (information storage means) 4 Insurance premium calculation device (information storage means) 5 Insurance fee charging device (billing device) 11 Intention input section (use status information acquisition means) 21 Object Information Detection Unit (Usage Status Information Acquisition Means)

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Shinichi Mukaigawa             Shiokyo-ku, Kyoto-shi, Kyoto Prefecture             801 Kudo-cho Omron Co., Ltd. (72) Inventor Hiroya Ueda             Kyoto Prefecture Kyoto City Shimogyo Ward Kizuyabashi Dori Nishitoin Toshio             606 Kojimachi Omron Software Co., Ltd.             Inside the company (72) Inventor Atsushi Shimizu             Shiokyo-ku, Kyoto-shi, Kyoto Prefecture             801 Kudo-cho Omron Co., Ltd. (72) Inventor Nobuyuki Sakata             Kyoto Prefecture Kyoto City Shimogyo Ward Kizuyabashi Dori Nishitoin Toshio             606 Kojimachi Omron Software Co., Ltd.             Inside the company

Claims (9)

[Claims] 1. A usage status information acquisition means for acquiring usage status information indicating a usage status of an insurance object, and a charging means for charging an insurance fee of an amount corresponding to the usage status information acquired by the usage status information acquisition means. An insurance premium charging device comprising: 2. The charging means calculates an insurance premium based on the usage status information by multiplying an insurance premium unit price set in advance according to the usage status of the insurance object by the duration of the usage status. The insurance fee charging device according to claim 1. 3. The insurance fee charging device according to claim 1, wherein the usage status information includes information on whether or not the insurance object is moving. 4. An information storage means for storing the usage status information acquired by the usage status information acquisition means, wherein the charging means charges an insurance premium based on the information stored in the information storage means. The insurance fee charging device according to any one of claims 1 to 3. 5. An insurance object side device comprising a usage status information acquisition unit for acquiring usage status information indicating a usage status of an insurance object, and an amount of money according to the usage status information acquired by the usage status information acquisition unit. An insurance fee billing system, characterized in that it is connected via a communication line to a billing device having a billing means for billing an insurance fee. 6. A usage status information acquisition step of acquiring usage status information indicating a usage status of an insurance target object, and a charging for charging an insurance fee of an amount corresponding to the usage status information acquired in the usage status information acquisition step. An insurance premium charging method, comprising: 7. A usage status information acquisition step of acquiring usage status information indicating a usage status of the insurance object, and a usage of transmitting the usage status information acquired in the usage status information acquisition step to the outside of the insurance object. Status information transmitting step, usage status information receiving step of receiving the usage status information transmitted in the usage status information transmitting step, and insurance of the amount of money according to the usage status information received in the usage status information receiving step And a charging step for charging a premium. 8. An insurance fee charging program, characterized by causing a computer to execute the insurance fee charging method according to claim 6 or 7. 9. A computer-readable recording medium on which the insurance fee charging program according to claim 8 is recorded.