JP7565771B2 - Insurance proposal system and insurance proposal method - Google Patents

Description

The present invention relates to an insurance proposal system and an insurance proposal method.

When going on a trip, a user may purchase short-term insurance to prepare for any unexpected trouble. Insurance companies provide insurance products that can be contracted on a daily basis, and users can easily apply for a contract, for example, from their own smartphone. The contents of such insurance coverage may include coverage that can be covered by insurance already contracted, so users need to carefully check the contents of the insurance before purchasing. Patent Document 1 discloses an information processing device that changes insurance conditions depending on the traffic conditions of the route the vehicle is traveling. For example, when the vehicle is traveling on a route with traffic conditions that have a low accident risk, this information processing device sets insurance conditions that are favorable to the user.

JP 6261636 A

When driving a vehicle in an unusual environment, such as traveling, there is a possibility that you may encounter a situation that cannot be covered by your existing insurance. It would be convenient to be able to purchase appropriate insurance only while driving in an unusual environment.

The present invention was made in consideration of these circumstances, and one of its objectives is to provide an insurance proposal system and insurance proposal method that propose insurance when a user traveling by vehicle moves outside of their living area.

The insurance proposal system and insurance proposal method according to the present invention have the following configuration:

(1): An insurance proposal system according to one embodiment of the present invention includes a vehicle position detection unit that detects the position of a user, a transportation means determination unit that determines whether the user is traveling in a vehicle, a living area determination unit that determines whether the user is located outside the living area of the user, and an insurance proposal unit that proposes insurance for outside the living area to the user when the user travels outside the living area in the vehicle.

(2): In the above aspect (1), an insurance content storage unit is further provided that stores the contents of the insurance to which the user has subscribed, and the insurance proposal unit creates the contents of the insurance for outside the living area to be proposed based on the contents of the insurance of the user stored in the insurance content storage unit.

(3): In the above aspect (2), an insurance information setting unit is further provided that sets the contents of the insurance to which the user has subscribed, and the insurance information setting unit records the contents of the insurance entered by the user in the insurance content storage unit.

(4): In any one of the above (1) to (3), a living area setting unit is further provided that sets the living area, and the living area setting unit sets the living area based on the living area designated by the user.

(5): In any one of the above aspects (1) to (3), a living area setting unit that sets the living area is further provided, and the living area setting unit sets the living area based on the user's movement history by the vehicle.

(6): In the above aspect (4) or (5), the living area setting unit sets areas outside the living area that are not subject to the proposal of insurance for the outside living area based on the user's designation.

(7): In any one of the above aspects (1) to (6), the living area determination unit switches the range of the living area between holidays and weekdays.

(8): In any one of the above aspects (1) to (7), the insurance proposal unit switches the frequency of proposing insurance for the outside living area between holidays and weekdays.

(9): In any one of the above aspects (1) to (8), when the user subscribes to the insurance for use outside the living area proposed by the insurance proposal unit, the insurance management unit further includes an insurance management unit that manages the application period of the insurance for use outside the living area, and the insurance management unit terminates the application of the insurance for use outside the living area based on the validity period of the insurance for use outside the living area set by the user.

(10): In any one of the above aspects (1) to (8), when the user subscribes to the insurance for use outside the living area proposed by the insurance proposal unit, the insurance management unit further includes an insurance management unit that manages the application period of the insurance for use outside the living area, and the insurance management unit terminates the application of the insurance for use outside the living area based on the fact that the vehicle in which the user is riding has moved into the living area.

(11): In any one of the above aspects (1) to (10), the transportation means determination unit determines that the user is traveling in the vehicle based on the user's travel speed or travel route, which is based on the user's time-series position information.

(12): In any one of the above aspects (1) to (11), the transportation means determination unit determines that the user is traveling in the vehicle based on the fact that the identification information or location information of the user's mobile terminal is transmitted via an in-vehicle communication device installed in the vehicle.

(13): In one aspect of the present invention, an insurance proposal method detects a user's location, determines whether the user is traveling in a vehicle, determines whether the user's location is outside the user's living area, and when the user travels outside the living area in the vehicle, proposes insurance for the outside living area to the user.

According to the aspects (1) to (13), when the user gets in the vehicle and goes outside the living area, insurance with compensation contents that can respond to risks that may occur outside the living area can be proposed to the user. This allows the user to subscribe to appropriate insurance when going outside the living area, even if the user has not subscribed to insurance in advance. According to the aspect (2), insurance that can respond to situations that cannot be handled by the insurance already subscribed to by the user can be proposed. According to the aspect (3), even if the information of the insurance already subscribed to by the user cannot be obtained from the insurance company, the user can set it. According to the aspect (4), the user can set the user's living area by himself/herself. According to the aspect (5), the user's living area can be automatically set by analyzing the movement history of the user's vehicle. According to the aspect (6), an area that is treated the same as the living area can be set outside the living area of the user. According to the aspects (7) to (8), the frequency of insurance proposals can be switched between holidays and weekdays. According to the aspects (9) to (10), the insurance subscribed outside the living area can be automatically canceled at an appropriate timing. According to aspects (11) and (12), it is possible to determine whether the user is in the vehicle and moving.

FIG. 1 is a diagram illustrating an example of an insurance proposal system according to an embodiment. FIG. 1 is a functional block diagram illustrating an example of an insurance proposal system according to an embodiment. FIG. 11 is a flow diagram illustrating an example of a setting process in the embodiment. FIG. 13 is a diagram illustrating an example of a life area setting screen according to the embodiment. FIG. 11 is a flow diagram illustrating an example of a process for collecting movement data in the embodiment. FIG. 11 is a flow diagram illustrating an example of insurance proposal processing in the embodiment.

<Embodiment>
Hereinafter, an embodiment of an insurance proposal system and an insurance proposal method of the present invention will be described with reference to the drawings.

FIG. 1 is a diagram showing an example of an insurance proposal system according to the present embodiment.
When the insurance proposal system 100 detects that a user u1 traveling in a vehicle b1 has left his/her usual living area, the system proposes insurance that can deal with troubles that may occur outside the living area. The insurance is an insurance plan limited to a schedule such as a business trip or a trip, and includes, for example, vehicle insurance options that are not normally included, a lawyer's clause, a towing clause, compensation for accidents caused by a passenger driving, and an increase in the upper limit of various damages. When the user u1 makes a contract for insurance proposed by the insurance proposal system 100, the system 100 applies the insurance to the user, and cancels the insurance contract when a termination condition is met.

The insurance proposal system 100 includes a vehicle data collection server device 10, an insurance proposal server device 20, an in-vehicle communication device 30, and a mobile terminal 40. The vehicle data collection server device 10 is, for example, a server device managed by the manufacturer of vehicle b1. The vehicle data collection server device 10 acquires FCD (floating car data) of vehicle b1. The FCD includes location information of vehicle b1. The vehicle data collection server device 10 has communication means with the insurance proposal server device 20 and the in-vehicle communication device 30. For example, the vehicle data collection server device 10 acquires location information of vehicle b1 from the in-vehicle communication device 30, and transmits the location information of vehicle b1 to the insurance proposal server device 20 in real time.

The insurance proposal server device 20 is, for example, a server device managed by an insurance company or a company that sells insurance products. The insurance proposal server device 20 proposes insurance suitable for the user u1 who has moved outside of the living area. For example, the insurance proposal server device 20 stores a group of insurance products w including multiple insurance products w1, w2, ..., and selects insurance suitable for the user u1 from the group and proposes it to the user u1. The insurance proposal server device 20 may also propose insurance for outside the living area to the passenger u2 who is riding in the vehicle b1. The insurance proposal server device 20 is equipped with a communication means with the vehicle data collection server device 10 and the mobile terminal 40. For example, the insurance proposal server device 20 acquires the position information of the vehicle b1 from the vehicle data collection server device 10 in real time, and transmits insurance proposal information to the mobile terminal 40 of the user u1 when the vehicle b1 moves outside of the living area.

The in-vehicle communication device 30 is, for example, a TCU (Telematic control unit) mounted on the vehicle b1. The in-vehicle communication device 30 has a means for acquiring position information of the vehicle b1. The in-vehicle communication device 30 has a means for communicating with the vehicle data collection server device 10 and the mobile terminal 40. For example, the in-vehicle communication device 30 acquires identification information of the mobile terminal 40, etc. from the mobile terminal 40, and transmits the identification information of the mobile terminal 40, etc. to the vehicle data collection server device 10 together with the position information of the vehicle b1.

The mobile terminal 40 is a mobile terminal owned by the user u1. The mobile terminal 40 has a means for acquiring location information of the mobile terminal 40. The mobile terminal 40 has a means for communicating with the insurance proposal server device 20 and the in-vehicle communication device 30. For example, the mobile terminal 40 transmits identification information and location information of the mobile terminal 40 to the in-vehicle communication device 30. The mobile terminal 40 acquires insurance proposal information from the insurance proposal server device 20 and transmits information for applying for insurance to the insurance proposal server device 20. In the following explanation, a process for proposing insurance to the mobile terminal 40 of the user u1 will be explained, but the insurance proposal system 100 can propose insurance suitable for the passenger u2 not only to the mobile terminal 40 of the user u1 but also to the mobile terminal 50 owned by the passenger u2 by the process described below.

2 is a functional block diagram showing an example of an insurance proposal system according to an embodiment. The vehicle data collection server device 10 is a server device including a communication unit 11, a control unit 12, and a storage unit 13. The control unit 12 among these components is realized by, for example, a hardware processor such as a CPU (Central Processing Unit) executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or a flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or a CD-ROM (a non-transient storage medium), and may be installed by mounting the storage medium in a drive device.

The communication unit 11 communicates with other devices via the network NW. For example, the vehicle data collection server device 10 communicates with the insurance proposal server device 20 and the in-vehicle communication device 30 through the communication unit 11. The communication unit 11 acquires position information, etc. of the vehicle b1 from the in-vehicle communication device 30. The control unit 12 controls the transmission and reception process of the position information, etc. by the communication unit 11. The control unit 12 records the position information, etc. acquired by the communication unit 11 in the memory unit 13. The memory unit 13 is configured using a storage device such as an HDD or flash memory. The memory unit 13 stores the position information, etc. of the vehicle b1 recorded by the control unit 12.

The insurance proposal server device 20 is a server device that includes a communication unit 21, a control unit 22, and a storage unit 23. Of these components, the control unit 22 is realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium), and installed by inserting the storage medium into a drive device.

The communication unit 21 communicates with other devices via a network. For example, the insurance proposal server device 20 communicates with the vehicle data collection server device 10 and the mobile terminal 40 through the communication unit 21. The communication unit 21 acquires the position information of the vehicle b1 from the vehicle data collection server device 10. The communication unit 21 may acquire the position information of the mobile terminal 40 from the mobile terminal 40. The communication unit 21 transmits and receives information regarding insurance proposals and insurance subscriptions to and from the mobile terminal 40. The control unit 22 controls the process of proposing insurance to the user u1. The control unit 22 includes a travel information acquisition unit 221, a travel means determination unit 222, an insurance information setting unit 223, a living area setting unit 224, a living area determination unit 225, an insurance proposal unit 226, and an insurance management unit 227. The travel information acquisition unit 221 acquires the position information of the vehicle b1 and the mobile terminal 40. The transportation means determination unit 222 determines whether the user u1 (mobile terminal 40) is traveling by vehicle. The insurance information setting unit 223 accepts settings of the contents of insurance that the user u1 has already contracted, and records them in the memory unit 23. The living area setting unit 224 accepts settings of the living area indicating the range in which the user u1 moves in his/her daily life, and records them in the memory unit 23. The living area determination unit 225 determines whether the user u1 has moved outside of his/her living area. The insurance proposal unit 226 selects one or more insurance policies for outside the living area to be provided to the user u1, and creates insurance proposal information. The insurance management unit 227 manages the start and end of insurance coverage when the user u1 applies for the proposed insurance.

The memory unit 23 is configured using a storage device such as an HDD or flash memory. The memory unit 23 stores identification information of user u1, identification information of user u1's mobile terminal 40, contact information of user u1, living area of user u1, and the like, in association with each other. In the case where an insurance company manages the insurance proposal server device 20 and user u1 has already subscribed to an insurance product of the insurance company, the memory unit 23 may store the details of the insurance currently subscribed to by user u1. In addition, the memory unit 23 stores a group of insurance products w including insurance products w1, w2, ... for outside the living area.

The in-vehicle communication device 30 includes a location information acquisition unit 31, a communication unit 32, and a control unit 33. Of these components, the control unit 33 is realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium), and installed by inserting the storage medium into the drive device.

The location information acquisition unit 31 is a GPS receiver or the like that acquires location information of the vehicle b1 measured by the Global Navigation Satellite System (GNSS) from a satellite. The location information acquisition unit 31 detects the location information of the vehicle b1 periodically, for example. The communication unit 32 communicates with other devices via a wireless LAN (registered trademark) or Bluetooth (registered trademark). For example, the in-vehicle communication device 30 transmits location information and the like to the vehicle data collection server device 10 via the communication unit 32. The in-vehicle communication device 30 acquires identification information and the like of the mobile terminal 40 from the mobile terminal 40 via the communication unit 32. The control unit 33 controls the acquisition process of location information by the location information acquisition unit 31 and the transmission and reception process of location information and the like by the communication unit 32.

The mobile terminal 40 is a mobile terminal such as a tablet or a smartphone. The mobile terminal 40 includes a location information acquisition unit 41, a communication unit 42, a control unit 43, and a display unit 44. Of these components, the control unit 43 is realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by collaboration between software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium), and may be installed by inserting the storage medium into a drive device.

The position information acquisition unit 41 is a GPS receiver or the like that acquires the position information of the mobile terminal 40 measured by the GNSS from a satellite. The position information acquisition unit 41 detects the position information of the mobile terminal 40 periodically, for example. The communication unit 42 communicates with other devices by wireless LAN (registered trademark) or Bluetooth (registered trademark). For example, the mobile terminal 40 communicates with the in-vehicle communication device 30 through the communication unit 42. The mobile terminal 40 communicates with the insurance proposal server device 20 through the communication unit 42. The control unit 43 controls the process of acquiring the position information by the position information acquisition unit 41, the process of transmitting the position information, etc. to the in-vehicle communication device 30, and the process of transmitting and receiving information related to insurance with the insurance proposal server device 20. The display unit 44 is configured using a display device such as a liquid crystal display, an organic EL (Electro-luminescence) display, or a touch panel. The display unit 44 can display any information based on the instruction of the control unit 43. The configuration of the mobile terminal 50 is the same as that of the mobile terminal 40.

(Preliminary setting process)
Next, the operation of the insurance proposal system 100 will be described. First, the user u1 subscribes to the insurance proposal service provided by the insurance proposal system 100. At this time, the user u1 performs various settings required for the provision of the insurance proposal service. Figure 3 shows an example of the setting process when subscribing to the insurance proposal service.

First, the user u1 uses the mobile terminal 40 to perform various settings related to insurance (step S101). For example, an application for the insurance provision service according to this embodiment is installed on the mobile terminal 40, and the control unit 43 executes this application to display a setting screen for inputting various settings related to insurance on the display unit 44. For example, the user u1 inputs information such as the model, type, and year of manufacture of the vehicle b1 that the user is riding in to the mobile terminal 40 as information on the vehicle to be insured. The user u1 also inputs information such as age, sex, license type (normal, large, blue, gold, etc.), and family composition information to the mobile terminal 40 as information on the user to be insured. The user u1 also inputs information such as the type of insurance, the name of the insurance company, the product name, the content of compensation, and conditions such as age restrictions and family restrictions as the content of the vehicle insurance that has already been subscribed to, to the mobile terminal 40. The user u1 may also input the content of personal injury and property damage insurance other than vehicle insurance to the mobile terminal 40. When the user u1 inputs the settings, the control unit 43 stores this information in the memory unit of the mobile terminal 40. If the insurance proposal server device 20 stores information about insurance that user u1 has already subscribed to, or if the insurance proposal server device 20 can obtain information about insurance that user u1 has already subscribed to in cooperation with server devices of other insurance companies, it is possible to input only the personal information and vehicle information of user u1 and omit inputting information about the already subscribed insurance.

In addition, the control unit 43 executes the application to display on the display unit 44 a setting screen for inputting various settings related to insurance to be applied outside the living area. For example, if the user u1 has already decided the type of insurance to be purchased outside the living area, the contents of coverage, etc., the user u1 inputs this information into the mobile terminal 40. In addition, the user u1 inputs conditions such as the frequency of insurance proposal (e.g., proposal once every three hours, proposal once every half day, etc.), the timing of insurance proposal (e.g., proposal after leaving the living area for 30 minutes or more consecutively or in total, proposal immediately after leaving the living area, proposal only on holidays). For example, when comparing weekdays and holidays, since there is a higher possibility of going on a trip on holidays, the user u1 may set the frequency of proposal on holidays to be higher than that on weekdays. Alternatively, the user u1 may set the timing of proposal start on holidays to be earlier than that on weekdays. The user u1 may also set the proposal to be only proposed during holidays and long vacations.

User u1 also inputs termination conditions for the insurance subscription (e.g., cancel when returning home, cancel when returning to the living area and a specified time has passed, cancel when a specified number of days have passed since subscription, etc.) into the mobile terminal 40. User u1 also inputs settings related to the calculation of the initial value of the living area. For example, when calculating the living area on weekdays and the living area on holidays separately, or when setting the living area by day of the week or time period, user u1 inputs information to that effect into the mobile terminal 40. User u1 may also input information to the mobile terminal 40 such as setting the living area to a radius of XX km centered on the home. When user u1 inputs the settings, the control unit 43 stores this information in the memory unit of the mobile terminal 40.

The control unit 43 instructs the communication unit 42 to transmit the set information. The communication unit 42 transmits the information set by the user u1 in step S101 to the insurance proposal server device 20 (step S102). In the insurance proposal server device 20, the communication unit 21 acquires the transmitted information, and the insurance information setting unit 223 records the acquired information in the storage unit 23 (step S103). When acquiring information on insurance that the user u1 has already subscribed to in cooperation with an insurance company, the insurance information setting unit 223 inquires about the personal information of the user u1 from the insurance company, acquires information on the insurance that the user u1 has subscribed to, and records it in the storage unit 23. Next, the insurance proposal unit 226 selects or creates candidates for insurance to be proposed to the user u1 (step S104). For example, the insurance proposal unit 226 selects insurance products w1, w2, etc., for which compensation contents are set that cannot be fully handled by the insurance already subscribed to by the user u1, and records them in the storage unit 23 as candidates for insurance to be proposed to the user u1. Also, for example, the insurance proposal unit 226 may create multiple insurance candidates to be proposed to the user u1 by combining compensation contents that cannot be covered by the compensation contents of the insurance that the user u1 has already subscribed to. For example, the insurance proposal unit 226 creates an insurance product w3 that incorporates the removal of the vehicle b1, the provision of a replacement vehicle, and the arrangement of accommodation in the event of an emergency, assuming a situation in which the vehicle b1 is damaged in an accident. Alternatively, if the user u1 currently subscribes to vehicle insurance with age restrictions or family restrictions, the insurance product w4 may be selected or created by removing the age restrictions or family restrictions from the vehicle insurance currently subscribed to by the user u1 so as to be able to respond to a situation in which a friend other than the family drives the vehicle at a travel destination or a situation in which a person younger than the user u1 drives the vehicle. The insurance proposal unit 226 may select or create an insurance product w5 to which all possible compensation contents are added. The insurance proposal unit 226 records a group of insurance products for the user u1 in the storage unit 23.

Next, the control unit 22 inquires of the vehicle data collection server device 10 about the movement history of the vehicle b1 of the user u1 through the communication unit 21 (step S105). The past movement history (location information) of the vehicle b1 is stored in the memory unit 13 of the vehicle data collection server device 10. The control unit 12 reads out the location information of the vehicle b1 stored in the memory unit 13. The communication unit 11 transmits the location information of the vehicle b1 to the insurance proposal server device 20 based on the instruction of the control unit 12 (step S106). In the insurance proposal server device 20, the control unit 22 acquires the location information of the vehicle b1 through the communication unit 21 and records the location information in the memory unit 23. Next, the living area setting unit 224 sets the initial value of the living area of the user u1 (step S107). The living area setting unit 224 reads out the location information of the vehicle b1 recorded in the memory unit 23 and calculates the living area of the user u1 based on the location information of the vehicle b1. For example, the living area setting unit 224 calculates an area where the location information of the vehicle b1 exists at a density equal to or higher than a predetermined density, and sets this area as the living area. The living area setting unit 224 may set different living areas for weekdays and holidays. Specifically, the living area setting unit 224 sets the weekday living area based on the movement history of the vehicle b1 on weekdays, and sets the holiday living area based on the movement history of the vehicle b1 on holidays. In addition, in order to handle cases where the destination differs depending on the day of the week or the time of day, the living area setting unit 224 may set an initial value of the living area for each day of the week and/or each time of day.

If the location information of vehicle b1 cannot be obtained, the living area setting unit 224 calculates a predetermined range as the living area of user u1. For example, the living area setting unit 224 sets a range with a radius of 30 km centered on the home of user u1 as the initial value of the living area of user u1. Also, if user u1 has set a range with a radius of 20 km centered on his/her home as the living area in the prior setting (step S101), the living area setting unit 224 sets a range with a radius of 20 km centered on user u1's home as the initial value of the living area of user u1. The living area setting unit 224 instructs the communication unit 21 to transmit the initial value of the set living area. The communication unit 21 transmits the initial value of the living area to the mobile terminal 40 (step S108).

In the mobile terminal 40, the control unit 43 acquires the initial value of the living area through the communication unit 42. The control unit 43 displays the initial value of the living area on the display unit 44 (step S109). FIG. 4 shows an example of the display of the living area. The circle e1 in FIG. 4 is the initial value of the living area. The control unit 43 of the mobile terminal 40 modifies the living area by the operation of the user u1 (step S110). For example, the user u1 can modify the living area e1 by expanding or reducing the range of the living area e1 as shown by the arrow in FIG. 4. In addition, if there is a place e2 outside the living area e1 that is frequently visited for work or the like, the place e2 and the route e3 leading to the place can be specified as part of the living area. For example, the user u1 specifies the place e2 and the route e3 by touching with a finger to select the place e2 and the route e3 displayed on the display unit 44. The specified place e2 and the route e3 are treated as part of the living area. That is, even if the user u1 gets on the vehicle b1 and travels along the route e3, the insurance proposal server device 20 does not propose insurance to the user u1. In addition, the user may be able to specify the day of the week and the time period for moving to the location e2 in addition to the location e2 and the route e3. On the other hand, if there is an area e4 in the living area e1 that is not a living area or that the user wants to exclude from the living area, the user may specify the area e4 as outside the living area. For example, the user u1 specifies the area e4 by tracing the range of the area e4 displayed on the display unit 44 with his/her finger. The specified area e4 is treated as outside the living area. That is, when the user u1 gets on the vehicle b1 and enters the area e4, the user u1 may receive an insurance proposal from the insurance proposal server device 20. When the correction of the living area is completed, the user u1 performs a predetermined operation to complete the correction of the living area. The control unit 43 transmits information indicating the corrected living area to the insurance proposal server device 20 via the communication unit 42 (step S111). In the insurance proposal server device 20, the communication unit 21 acquires the revised living area information. The living area setting unit 224 records the revised living area in the memory unit 23 (step S112).

(Collection and processing of movement data)
The insurance proposal system 100 proposes insurance when the user u1 moves outside the living area by vehicle b1, not by foot, train, etc. A process of detecting the movement of the user u1 outside the living area by vehicle b1 will be described with reference to FIG.

(Case 1)
Case 1 is a method in which the mobile terminal 40 transmits identification information of the mobile terminal 40 to the vehicle data collection server device 10 via the in-vehicle communication device 30. By using a method in which the mobile terminal 40 performs short-distance wireless communication with the in-vehicle communication device 30 and transmits information about the mobile terminal 40 to the vehicle data collection server device 10 via the in-vehicle communication device 30, it is possible to ensure that the mobile terminal 40 and the in-vehicle communication device 30 (i.e., the vehicle b1) are in a short distance, and if information about the mobile terminal 40 is obtained in this manner, it is possible to confirm that the user u1 is moving in the vehicle b1. The location information acquisition unit 41 acquires location information of the mobile terminal 40 (step S201). Next, the communication unit 42 transmits the location information, the positioning time of the location information, and the identification information of the mobile terminal 40 to the in-vehicle communication device 30 based on an instruction from the control unit 43 (step S202). The in-vehicle communication device 30 and the mobile terminal 40 are paired in advance and can communicate with each other, for example, by Bluetooth (registered trademark), at a distance of about 1 to 10 m. In the in-vehicle communication device 30, the position information acquisition unit 31 acquires the position information of the vehicle b1 (step S203). The control unit 33 acquires the position information, the positioning time, and the identification information of the mobile terminal 40 through the communication unit 32. The communication unit 32 transmits the position information, the positioning time, and the identification information of the mobile terminal 40, the position information of the in-vehicle communication device 30, the positioning time of the position information, and the identification information of the in-vehicle communication device 30 to the vehicle data collection server device 10 based on an instruction from the control unit 33 (step S204). In the vehicle data collection server device 10, the control unit 12 acquires the position information, the positioning time, and the identification information of the mobile terminal 40, and the position information, the positioning time, and the identification information of the in-vehicle communication device 30 through the communication unit 11, and records this information in the storage unit 13 (step S205). Based on an instruction from the control unit 12, the communication unit 11 transmits the location information, identification information, etc. of the in-vehicle communication device 30 and the mobile terminal 40 recorded in the storage unit 13 to the insurance proposal server device 20 in real time (step S206).

In the insurance proposal server device 20, the travel information acquisition unit 221 acquires the location information, positioning time, and identification information of the mobile terminal 40 and the location information, positioning time, and identification information of the in-vehicle communication device 30 through the communication unit 21, and records the acquired information in the memory unit 23 (step S213). Next, the travel means determination unit 222 determines whether the user u1 is traveling in the vehicle b1 based on the location information etc. recorded in the memory unit 23 (step S214). For example, the travel means determination unit 222 determines that the mobile terminal 40 is traveling by the vehicle b1 based on the difference between the location information of the mobile terminal 40 at the closest positioning time and the location information of the vehicle b1 being within a predetermined range, and determines whether the owner of the mobile terminal 40 is the user u1 based on the identification information of the mobile terminal 40. If the owner of the mobile terminal 40 is the user u1, the travel means determination unit 222 determines that the user u1 is traveling by the vehicle b1. Furthermore, the transportation means determination unit 222 may calculate the speed of the mobile terminal 40 and/or the vehicle b1, and may add to the determination conditions that the speed indicates movement by vehicle. Also, the transportation means determination unit 222 may calculate the movement route of the mobile terminal 40 and/or the vehicle b1, and may add to the determination conditions that the calculated movement route is a road that exists in the map information. Next, the living area determination unit 225 acquires the latest position information of the mobile terminal 40 and/or the vehicle b1, and determines whether the acquired position information is within the living area of the user u1 recorded in step S112 (step S215). For example, in the case where e1 to e4 illustrated in FIG. 4 are set for the living area, and the location e2 and the route e3 are set to be added to the living area e1 only on Mondays, the living area determination unit 225 determines that the user u1 is within the living area if the location information of the mobile terminal 40 and/or the vehicle b1 is included in the range obtained by adding the location e2 and the route e3 to the living area e1 and excluding the area e4 on Monday. Furthermore, the living area determination unit 225 determines that user u1 is within the living area if the location information of vehicle b1, etc., is included within the range of living area e1 excluding area e4 on any day other than Monday.

Note that the location information of the mobile terminal 40 is not required. For example, only the identification information of the mobile terminal 40 may be transmitted from the mobile terminal 40 to the in-vehicle communication device 30 at a predetermined time interval. The transportation means determination unit 222 determines that the user u1 is traveling in the vehicle b1 based on the fact that the identification information of the mobile terminal 40 and the location information of the vehicle b1 can be acquired.

Similarly, when transmitting the position information of the mobile terminal 40, the in-vehicle communication device 30 does not need to transmit the position information of the vehicle b1. The transportation means determination unit 222 determines that the user u1 is traveling in the vehicle b1 based on the fact that the identification information and position information of the mobile terminal 40 are transmitted through the in-vehicle communication device 30.

(Case 2)
Case 2 is a method of transmitting the identification information and the position information of the mobile terminal 40 to the vehicle data collection server device 10 without passing through the in-vehicle communication device 30. Case 2 can be adopted when the vehicle b1 does not have the in-vehicle communication device 30, or when the communication unit 32 of the in-vehicle communication device 30 fails even if the method of case 1 is usually adopted. In case 2, since the direct relationship between the mobile terminal 40 and the vehicle b1 cannot be confirmed, the transportation means determination unit 222 determines that the user u1 is traveling on the vehicle b1 by analyzing the time-series position information of the mobile terminal 40. First, the position information acquisition unit 41 acquires the position information of the mobile terminal 40 (step S207). Next, the communication unit 42 transmits the position information, the positioning time of the position information, and the identification information of the mobile terminal 40 to the vehicle data collection server device 10 based on the instruction of the control unit 43 (step S208). In the vehicle data collection server device 10, the control unit 12 acquires the location information, the positioning time, and the identification information of the mobile terminal 40 through the communication unit 11, and records this information in the storage unit 13 (step S209). Based on an instruction from the control unit 12, the communication unit 11 transmits the location information, the identification information, etc. of the mobile terminal 40 recorded in the storage unit 13 to the insurance proposal server device 20 (step S210).

In the insurance proposal server device 20, the travel information acquisition unit 221 acquires the position information, positioning time, and identification information of the mobile terminal 40 through the communication unit 21, and records the acquired information in the storage unit 23 (step S213). Next, the travel means determination unit 222 determines whether the user u1 is traveling in a vehicle b1 based on the position information and the like recorded in the storage unit 23 (step S214). For example, the travel means determination unit 222 calculates the speed of the mobile terminal 40 based on the time-series position information of the mobile terminal 40, and if the calculated speed indicates traveling by vehicle, determines that the mobile terminal 40 (i.e., the user u1) is traveling in a vehicle. Alternatively, the travel means determination unit 222 calculates the travel route of the mobile terminal 40 based on the time-series position information of the mobile terminal 40, and if the calculated travel route is a road that exists in the map information, determines that the user u1 is traveling in a vehicle. Alternatively, the transportation means determination unit 222 may determine that the user u1 is traveling in a vehicle if both the speed and the travel route satisfy the conditions. Next, the living area determination unit 225 determines whether the user u1 is within the living area based on the latest position information of the mobile terminal 40 (step S215).

(Case 3)
Case 3 is a method in which the identification information and location information of the mobile terminal 40 are sent directly to the insurance proposal server device 20 without going through the vehicle data collection server device 10. In case 3, the same judgment method as in case 2 is used to judge whether the user u1 is moving by vehicle. The location information acquisition unit 41 acquires the location information of the mobile terminal 40 (step S211). Next, the communication unit 42 transmits the location information, the positioning time of the location information, and the identification information of the mobile terminal 40 to the insurance proposal server device 20 based on the instruction of the control unit 43 (step S212). In the insurance proposal server device 20, the movement information acquisition unit 221 acquires the location information, the positioning time, and the identification information of the mobile terminal 40 through the communication unit 21, and records the acquired information in the storage unit 23 (step S213). Next, the transportation means judgment unit 222 judges whether the user u1 is moving by boarding the vehicle b1 based on the location information recorded in the storage unit 23 (step S214). For example, the transportation means determination unit 222 calculates the speed and/or the moving route of the mobile terminal 40 based on the time-series position information of the mobile terminal 40, and determines whether the user u1 is traveling in a vehicle based on the speed and/or the moving route. Next, the living area determination unit 225 determines whether the user u1 is within the living area based on the latest position information of the mobile terminal 40 (step S215).

(Processing to propose insurance outside of living area)
The insurance proposal server device 20 repeats the process of FIG. 5 at a predetermined control period, and while determining that the user u1 is traveling by vehicle, monitors the location information of the user u1 and determines whether the user u1 is in the living area. When the user u1 is traveling by vehicle and the insurance proposal server device 20 detects that the user u1 has moved outside the living area, the insurance proposal server device 20 proposes insurance. The flow of the process of proposing insurance is shown in FIG. 6. FIG. 6 is a flow diagram showing an example of insurance proposal processing in an embodiment. During the following processing, the transportation means determination unit 222 executes a determination at a predetermined period as to whether the user u1 is traveling by boarding the vehicle b1. The living area determination unit 225 executes a determination at a predetermined period as to whether the user u1 is in the living area.

The insurance proposal unit 226 determines whether the insurance proposal conditions are met (step S301). The insurance proposal conditions are, for example, (1) that the user u1 has moved outside the living area while traveling by vehicle, and (2) that the conditions for the insurance proposal frequency and proposal start timing set in step S101 are met. If the proposal conditions are met, the insurance proposal unit 226 transmits information on the proposed insurance to the mobile terminal 40 (step S302). Specifically, the insurance proposal unit 226 reads out information on the insurance product group selected or created in step S104 from the storage unit 23, and transmits information on the proposed insurance (for example, the coverage details of the read insurance product group, etc.) to the mobile terminal 40. At this time, the insurance proposal unit 226 may add a type of insurance to be proposed (for example, add insurance product w6 according to the current situation to insurance products w1 and w2) or change the compensation content according to the weather of the day (for example, heavy rain or snow, etc.) and the characteristics of the place outside the living area (for example, coastal area, mountainous area, road with heavy traffic, route with high accident risk, etc.). In addition, the insurance proposal unit 226 may send questions (for example, the presence or absence of a passenger, whether the passenger u2 is driving or not) to the mobile terminal 40 to more appropriately propose insurance currently required by the user u1, collect necessary information from the user u1, and add or change the proposed insurance. In addition, for example, if the proposal frequency is set to once every three hours and the situation that satisfies the proposal condition continues while the vehicle b1 is traveling, the insurance proposal unit 226 transmits information on the proposed insurance to the mobile terminal 40 once every three hours until the user u1 joins.

In the mobile terminal 40, the control unit 43 acquires the insurance proposal information through the communication unit 42 and displays on the display unit 44 that the insurance proposal has been notified. The user u1 or the passenger u2 operates the mobile terminal 40 to select the insurance to be contracted (step S303). If the user u1 sets the number of days since taking out the insurance as the insurance termination condition, the user inputs the number of days of the termination condition into the mobile terminal 40 based on the schedule of the current trip, etc. The communication unit 42 transmits the identification information of the insurance selected by the user u1 and the termination condition, etc. to the insurance proposal server device 20 based on the instruction of the control unit 43 (step S304). If the user u1 does not contract for insurance for outside the living area, the process of FIG. 6 ends.

In the insurance proposal server device 20, the insurance management unit 227 acquires the identification information of the insurance and applies the insurance to the user u1 (step S305). For example, the insurance management unit 227 associates the identification information of the mobile terminal 40 with the identification information of the insurance selected by the user u1, and records the time when the identification information was acquired in the memory unit 23 as the insurance application start time. In addition, the communication unit 21 transmits a message or the like notifying the start of the insurance application to the mobile terminal 40 based on an instruction from the insurance management unit 227 (step S306).

If an accident occurs while the insurance is insured, the FCD of vehicle b1 may be provided from the vehicle data collection server device 10 to the insurance proposal server device 20, provided that consent is obtained from user u1, and may be used as proof in the event of an accident.

Next, the insurance management unit 227 determines whether or not the insurance application termination condition is satisfied based on the location information of the user u1, etc. (step S307). The insurance termination condition is, for example, (1) the user u1 moves by vehicle to within the living area (or home), (2) the number of days since the insurance was applied has passed, etc. The insurance management unit 227 determines whether or not to terminate the application of the insurance for outside the living area based on the termination condition when the insurance is subscribed to, set in step S101. If the insurance termination condition is satisfied, the insurance management unit 227 terminates the application of the insurance to the user u1 (step S308). For example, the insurance management unit 227 records the identification information of the mobile terminal 40, the identification information of the insurance selected by the user u1, and the time when the insurance application termination was determined in the storage unit 23 in association with each other. In addition, the communication unit 21 transmits a message notifying the end of the insurance application to the mobile terminal 40 based on an instruction from the insurance management unit 227 (step S309).

The risk of trouble occurring outside the living area is often greater than that occurring within the living area, and there is a need for insurance that can handle such situations. According to this embodiment, when user u1 leaves the living area where he or she usually lives while traveling in vehicle b1, appropriate insurance for use outside the living area is proposed to user u1. User u1 can subscribe to insurance with the necessary coverage for the required period by simply selecting from the proposed insurance. User u1 does not need to exclude products with coverage that he or she does not need from a large number of insurance products, and can easily subscribe to insurance with the content that meets his or her needs. Even if user u1 forgets to subscribe to insurance before traveling or needs to go far away suddenly, insurance is proposed at the appropriate time, so user u1 can board vehicle b1 and go out with peace of mind. In addition, the insurance company can expect an increase in insurance premium income.

The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention.
For example, the insurance proposal information may be transmitted to a car navigation system or an on-board device installed in the vehicle b1, instead of to the mobile terminal 40 of the user u1.

100... Insurance proposal system 10... Vehicle data collection server device 11... Communication unit 12... Control unit 13... Memory unit 20... Insurance proposal server device 21... Communication unit 22... Control unit 221... Travel information acquisition unit 222... Travel means determination unit 223... Insurance information setting unit 224... Living area setting unit 225... Living area determination unit 226... Insurance proposal unit 227... Insurance management unit 23... Memory unit 30... In-vehicle communication device 31... Location information acquisition unit 32... Communication unit 33... Control unit 40... Mobile terminal 41... Location information acquisition unit 42... Communication unit 43... Control unit

Claims (14)

A vehicle position detection unit that detects the position of a user;
a means of transportation determination unit that determines whether the user is traveling by boarding a vehicle;
A living area determination unit that determines whether the location of the user is outside the living area of the user;
an insurance proposal unit that proposes insurance for use outside the living area to the user when the user gets into the vehicle and moves outside the living area;
Equipped with
The insurance policy further includes an insurance content storage unit that stores the content of the insurance to which the user has subscribed;
The insurance proposal unit creates the proposed insurance content for the outside living area based on the insurance content of the user stored in the insurance content storage unit.
Insurance proposal system. The insurance information setting unit is configured to set the contents of the insurance to which the user has subscribed, and the insurance information setting unit records the contents of the insurance input by the user in the insurance contents storage unit.
The insurance proposal system according to claim 1 . A vehicle position detection unit that detects the position of a user;
a means of transportation determination unit that determines whether the user is traveling by boarding a vehicle;
A living area determination unit that determines whether the location of the user is outside the living area of the user;
an insurance proposal unit that proposes insurance for use outside the living area to the user when the user gets into the vehicle and moves outside the living area;
Equipped with
A living area setting unit that sets the living area,
The living area setting unit sets the living area based on a designation of the living area by the user,
The living area setting unit sets an area outside the living area that is not a target for proposing the insurance for the outside of the living area based on the designation of the user.
Insurance proposal system. A living area setting unit that sets the living area,
The living area setting unit sets the living area based on a movement history of the user by the vehicle.
The insurance proposal system according to any one of claims 1 to 3. The living area determination unit switches the range of the living area between holidays and weekdays.
The insurance proposal system according to any one of claims 1 to 4. A vehicle position detection unit that detects the position of a user;
a means of transportation determination unit that determines whether the user is traveling by boarding a vehicle;
A living area determination unit that determines whether the location of the user is outside the living area of the user;
an insurance proposal unit that proposes insurance for use outside the living area to the user when the user gets into the vehicle and moves outside the living area;
Equipped with
The insurance proposal unit changes the frequency of proposing the insurance for the outside living area between holidays and weekdays.
Insurance proposal system. and an insurance management unit that , when the user subscribes to the insurance for use outside the living area proposed by the insurance proposal unit, manages the application period of the insurance for use outside the living area,
the insurance management unit terminates the application of the insurance for the outside of the living area based on a validity period of the insurance for the outside of the living area set by the user.
The insurance proposal system according to any one of claims 1 to 6 . and an insurance management unit that, when the user subscribes to the insurance for use outside the living area proposed by the insurance proposal unit, manages the application period of the insurance for use outside the living area,
the insurance management unit terminates the application of the insurance for the outside of the living area based on the fact that the vehicle in which the user is riding has moved into the living area.
The insurance proposal system according to any one of claims 1 to 7. The transportation means determination unit determines that the user is traveling by boarding the vehicle based on a moving speed or a moving route of the user, which is based on time-series position information of the user.
The insurance proposal system according to any one of claims 1 to 8. A vehicle position detection unit that detects the position of a user;
a means of transportation determination unit that determines whether the user is traveling by boarding a vehicle;
A living area determination unit that determines whether the location of the user is outside the living area of the user;
an insurance proposal unit that proposes insurance for use outside the living area to the user when the user gets into the vehicle and moves outside the living area;
Equipped with
The transportation means determination unit determines that the user is traveling in the vehicle based on the fact that the identification information or the location information of the mobile terminal of the user is transmitted via an in-vehicle communication device mounted in the vehicle.
Insurance proposal system. A processor of the insurance proposal system
Detect the user's location,
determining that the user is traveling in a vehicle;
Determining whether the location of the user is outside the user's living area;
When the user gets in the vehicle and moves outside the living area, insurance for outside the living area is proposed to the user;
Store the details of the insurance that the user has subscribed to,
creating a proposed insurance content for the outside living area based on the stored insurance content of the user;
Insurance proposal methods. A processor of the insurance proposal system
Detect the user's location,
determining that the user is traveling in a vehicle;
Determining whether the location of the user is outside the user's living area;
When the user gets in the vehicle and moves outside the living area, insurance for outside the living area is proposed to the user;
setting the living area based on the designation of the living area by the user;
setting an area outside the living area that is not a target for the proposal of insurance for the outside living area based on the designation of the user;
Insurance proposal methods. A processor of the insurance proposal system
Detect the user's location,
determining that the user is traveling in a vehicle;
Determining whether the location of the user is outside the user's living area;
When the user gets in the vehicle and moves outside the living area, insurance for outside the living area is proposed to the user;
Switching the frequency of proposing the insurance for outside the living area between holidays and weekdays;
Insurance proposal methods . A processor of the insurance proposal system
Detect the user's location,
determining that the user is traveling in a vehicle;
Determining whether the location of the user is outside the user's living area;
When the user gets in the vehicle and moves outside the living area, insurance for outside the living area is proposed to the user;
determining that the user is traveling in the vehicle based on the fact that the identification information or location information of the user's mobile terminal is transmitted via an in-vehicle communication device mounted in the vehicle;
Insurance proposal methods.

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