WO2002056222A1

WO2002056222A1 - Method of insuring vehicles against loss

Info

Publication number: WO2002056222A1
Application number: PCT/JP2001/000194
Authority: WO
Inventors: Satoru Kuragaki; Kazuhiko Satou; Toshimichi Minowa; Ryoichi Komuro
Original assignee: Hitachi, Ltd.
Priority date: 2001-01-15
Filing date: 2001-01-15
Publication date: 2002-07-18
Also published as: JPWO2002056222A1

Abstract

A useful implementation method for various plans in an automobile insurance that has limited time/distance in its insurance policy. An IC card (106) imprinted thereon with an insurance policy is inserted into an on-vehicle terminal system (105) and its recorded contents are updated based on vehicle conditions obtained from various sensors/controllers (117-126). When an accident occurs, whether or not the accident is covered under the policy is judged by referring to the contents of the card. The current remaining time/distance, which may be renewed by using a sales terminal system (102), are informed to the driver by the on-vehicle terminal system.

Description

Specification

Non-life insurance method for vehicles, in-vehicle equipment, end

Equipment and non-life insurance systems for vehicles

The present invention relates to non-life insurance, and particularly to a method and apparatus for non-life insurance of a vehicle. Background art

The traditional method of determining auto insurance premiums is for the insurer to refer to the applicant's personal interview with the insurance applicant and the applicant's official car driving records maintained by a government agency, such as a car agency. This collects historical data relevant to calculating premiums. The data is used to classify applicants into a wide range of insurance statistical classes, for which premiums are determined based on the insurer's experience. In other words, it is determined based on the data of the insured driver and the vehicle owned by the insured.

In addition, as described in Tokuhyo Hei 1 1 1 1 5 1 1 5 8 1, the in-vehicle computer system monitors and records the actions of various sensors and operators to determine fair insurance premiums. The desired data is acquired and, if necessary, transmitted to the central control station via the wireless communication system. Based on the data of the insured person and the vehicle owned by the in-vehicle computer system, the amount of the automobile insurance claim for the previous insurance period is determined.

In recent years, is it possible to limit the increase in the number of vehicles owned and promote energy conservation? Therefore, a sharing system has been proposed in which a plurality of vehicles (for example, a small vehicle with a capacity of two people) are shared and owned by multiple people to increase the operating time per vehicle. In such a sharing system, multiple owners share the cost of purchasing a vehicle, the cost of fuel (energy sources including gasoline, gas oil, and electric machinery), and the cost of repairs to prevent functional deterioration due to continuous use. And there is also a need to share responsibility for auto accident insurance to deal with accidents. Disclosure of the invention

However, as described in the prior art, insurance premiums are determined based on data on the insured driver and the vehicle owned by the insured. However, regarding the data that determines these premiums, there are individual differences in driver histories and individual differences in the time and distance to use a car. Traditional premiums have not fully considered these individual differences.

An object of the present invention is to provide a non-life insurance method and system for vehicles with a fairer burden in consideration of these individual differences, and an apparatus for operating the same. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a diagram showing a processing procedure of the entire present invention. FIG. 2 is a diagram showing a processing procedure of a sales terminal device. FIG. 3 is a diagram showing a processing procedure of a sales terminal device. FIG. 4 is a diagram showing a processing procedure of a sales terminal device. FIG. 5 is a diagram showing a display screen of a sales terminal device. FIG. 6 is a diagram showing a display screen of a sales terminal device. FIG. 7 is a diagram showing a display screen of a sales terminal device. FIG. 8 is a diagram showing a display screen of a sales terminal device. FIG. 9 is a diagram showing a display screen of a sales terminal device. FIG. 10 is a diagram showing a display screen of a sales terminal device. Fig. 11 shows sales The figure showing the display screen of a selling terminal device. FIG. 12 is a diagram showing a display screen of a sales terminal device. Fig. 13 shows the configuration of the entire system using cards. FIG. 14 is a diagram showing the network and configuration of the terminal device at the time of sale. FIG. 15 is a diagram showing the network and configuration of the terminal device at the time of repair. FIG. 16 is a diagram showing a processing procedure of the in-vehicle terminal. Figure 17 shows the appearance of the automobile insurance card. Figure 18 shows the appearance of the automobile insurance card. Fig. 19 is a diagram showing the processing procedure in the case of an accident of a vehicle-mounted terminal. FIG. 20 is a diagram showing the appearance of an automobile non-life insurance card. Fig. 21 is a diagram showing the configuration of the entire system using wireless communication. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, embodiments of the present invention will be described.

FIG. 1 is a diagram for explaining the flow of processing of pay-as-you-go insurance. In step 1, the insurance company and the applicant (individual, group, company, etc.) conclude a contract after agreeing on the non-life insurance terms and conditions.

Next, in step 2, the insurance conditions are stored as digital data on a storage medium such as an IC card. Here, the insurance conditions include running time, running distance, vehicle use time, engine (motor and vehicle) operating time, and the like. Other than this, any amount can be used as long as the amount can be specified.

Next, in step 3, the storage means is installed inside (or outside) the vehicle. It is sufficient if the storage means moves with the vehicle, so it can be completely fixed, slightly movable, or just placed inside the vehicle. If the status of the vehicle can be output to the outside by using radio or the like, the storage means may be in the building (building) as a part of the insurance company's host system. In this case, even if a vehicle accident occurs, the burnout or damage can be avoided be able to.

Next, in step 4, the state of the vehicle (running, running distance engine, etc.) is detected from signals output from sensors and ECUs (engine control unit) provided on the vehicle, and the contents of the storage means are detected. To change. Changes can be made by adding new data as well as rewriting data. The timing of the change may be made at any time every minute, or when an event such as a start, stop, or accident occurs, or a combination thereof.

If an accident (step 5) occurs, the insurance company in step 6 refers to the stored contents of the storage means to determine whether or not the vehicle satisfies the insurance conditions at the time of the accident. Decide whether to pay insurance based on the contract. Of course, other requirements, such as the driver's liability in the event of an accident, may be considered in this determination.

If, at the time of the accident, the contracted insurance terms are not met (out of scope), the insurer can reject the claim from the policyholder (step 8). If the insurance conditions are met and there are no other special circumstances (such as drunk driving), the insurer may claim the full amount of the insurance contract insured in accordance with the claim, or other circumstances (such as negligence). If so, pay the reduced insurance money (Step 9). Here, the contract with the insurance company is linked to the insurance company's computer via the Internet, as well as in-store, and is executed using terminal devices installed at convenience stores and home PCs. May be.

For example, if the insurance condition is a contract within 300 hours of vehicle driving time, the time specified in the contract (for example, when entering the on-board equipment for the first time after entering IC, or on August 5) Accidents in which the cumulative operating time of the contractor (and / or vehicle) from the specified date, etc. has occurred within 300 hours If there is, it will be eligible for insurance payment. Of course, terms such as the expiration date may be marked with and.

For example, if the insurance condition is a vehicle mileage of 100 Okm, the accident that occurred within the cumulative mileage of the vehicle of the contractor from the time specified in the contract was within 100 Okm. If this is the case, it will be subject to insurance payment. Of course, if a contract is made that does not specify the insured (and / or the vehicle), anyone who has the IC card (and who owns the vehicle with the IC card) Also) You can get insurance. For example, if a driver such as a car rental company is unspecified, insurance can be provided with peace of mind. In addition, if the contract does not specify the insured at all, the perpetrator is uncertain because the insurance money is paid only if the contents stored in the storage means installed in the accident vehicle satisfy the insurance conditions at the time of the accident Even the victim can be rescued.

The storage means may be a magnetic and / or optical disk / semiconductor RAM in addition to the IC card. However, if you are vulnerable to counterfeiting, some countermeasures may be required. Since the IC force is difficult to forge, it can be used as a storage means in this embodiment.

Further, the storage means may be installed in the vehicle by being mounted on a vehicle-mounted device which is provided in advance in the vehicle and is detachable from the storage means. The vehicle status is input to the on-board unit from the vehicle, and a signal is input to storage means such as an IC force via contact and / or non-contact terminals. The contents of the storage means are changed based on this signal. This change may be made by adding new data or by rewriting old data with new data. This change is made by the instruction of the microcomputer. This microcomputer may be in the storage means, in the vehicle-mounted device, or both. Ma In addition, if the storage medium and the short-range wireless transmitter / receiver (such as mobile phone radio waves) can be integrated, there is no need to mount them on the vehicle-mounted device, and it is sufficient just to place it in the vehicle.

The storage means has some kind of authentication means to prevent unauthorized alteration of the contents from outside. Also, if an attempt is made to illegally read internal data from the outside, a means for preventing the reading of the internal data may be provided. In some cases, if an illegal reading action is detected, the data may be deleted.

If an accident occurs, changes to the contents of the storage means are prohibited. Or at least the part of the memory before the accident is preserved. Further, the state of the vehicle for a predetermined period after the accident may be stored. The storage means can also be used as a drive recorder for estimating the state of the accident. The storage means may be provided with a power source such as a battery inside, or may be capable of storing the stored contents without power supply.

The insurer (and Z or the police) will analyze the stored contents of the storage means recovered from the accident vehicle by computer and determine if the vehicle and / or driver met the insurance requirements at the time of the accident.

For example, if the insurance condition is a contract that requires less than 300 hours of driving time, the insurance condition will be satisfied if the driving time is 250 hours at the time of the accident, and the policyholder will have the right to claim insurance. I do. The insurer also considers other circumstances, such as negligence, when deciding whether to pay the claim. If the hours of operation were 310 hours at the time of the accident, the insurance conditions would not be met and the insurance company would not be obliged to pay claims. Therefore, it is possible to refuse insurance claims from policyholders. Because memory is important as circumstantial evidence, collection and / or analysis is not May be determined by law or the like. The worst thing to do is to get out of insurance conditions (out of insurance) without the policyholder's knowledge. If there is a risk of being dislodged (for example, if the remaining battery capacity is less than 100 km (30 hours)), the contractor (insured person) may use voice, display, letter (email) or telephone By notifying the policyholder, it is possible to prevent the policyholder from breaching the insurance conditions without their knowledge. If the remaining amount of the insurance conditions (for example, the contracted vehicle mileage [hour] and the current vehicle mileage [hour]) is displayed on the on-board device or IC card, etc., constantly or occasionally, the policyholder (driver) can obtain insurance. Watch out for cuts. The method of renewing (extending) the insurance contract will be described later. '

With conventional flat-rate insurance, people who have many opportunities to drive a vehicle and those who have few opportunities are charged the same fee, and those who have few opportunities have to pay higher premiums. However, since the insurance of this embodiment is a pay-as-you-go insurance, it is possible to pay necessary insurance premiums and receive necessary insurance when necessary conditions. Therefore, insurance premiums are low for people who have few opportunities to drive in vehicles and for pepper drivers.

Fig. 2 to Fig. 4 explain the flow of new insurance contract, renewal (extension), and cancellation processing performed using the sales terminal device. The terminal is connected to the insurance company's computer via a communication line.

In step 61 of Fig. 2, the applicant or contractor looks at the screen of the terminal device as shown in Fig. 5, and looks for a new insurance contract, renews the current contract, cancels the current contract, etc. Select one from. If new is selected, the process proceeds from step 62 to step 63, and the screen shown in FIG. 6 is displayed on the terminal device. If the applicant enters the driver's license at the entrance of the terminal and presses confirm, the process proceeds to step 64, where the terminal is The name, date of birth, address, type of driver's license, license acquisition date, etc. are read and sent to the insurance company's insurance host system. These data are stored in the insurance company's database overnight, and the license acquisition date and other data are used to calculate insurance premiums. Here, it is also possible to confirm the identity of the applicant by comparing the face of the applicant for the contract photographed by the terminal device camera with the photograph of the license. In the next step 65, the insurance host system determines the pay-as-you-go unit price based on the received data and outputs it to the terminal device. Next, in step 66, FIG. 7 is displayed on the display unit of the terminal device, and the contract applicant inputs the password. This password will be used later to identify the subscriber. Next, in step 67, FIG. 8 is displayed on the display unit of the terminal device. There ^: Puma, In addition to name and grade, several recommended courses, unit price of pay-as-you-go insurance, collateral conditions, etc. are displayed, and the contract applicant selects the contract conditions he or she wants from these displays. be able to. If you select Recommended Course 1, No Age Restriction, Pay-as-you-go Insurance Fee 7 2 hours, the terminal device displays Fig. 9 in step 6 8, and the contract applicant inputs the desired contract time. receive. Here, an example is shown in which the vehicle driving time is the insurance condition, but the same applies to the case where the vehicle driving distance is the insurance condition.

In this case, the contract applicant entered 700 hours,

7 0 0 (hour) X 7 2 (yen time) = 5 0 4 0 0 (yen)

Becomes

When contracting for a longer time, the insurance unit price is less than 800 hours: 72 yen Ζ hours, 800 hours or more and less than 160 hours: 60 yen / hour, 160 hours or more : 54 yen / hour. If this is displayed visually as shown in Fig. 9, applicants of the contract can easily understand the steps of the insurance unit price. This allows insurers to expect longer insurance contracts. Next, at step 69, FIG. 10 is displayed on the terminal device, and the contract applicant confirms the contents and selects a payment method. If cash is selected, a deposit is requested in step 71. When payment is completed, insurance conditions are registered in the insurance host system in step 72. The terminal device stores driver's license information, contract insurance condition information (vehicle driving time and distance, etc.), insurance host system information, insurance premium unit price, validity period, and personal identification number on the automobile accident insurance card (IC card). Next, in step 74, the terminal prints a car insurance certificate. Finally, in step 75, the contractor receives an IC card, a car insurance policy and change.

If new is not selected in step 62 of FIG. 2, go to FIG. If renewal is selected in step 76 in FIG. 3, a message is displayed in the next step 77 so as to insert a driver's license into the entrance of the terminal device. At step 78, the information is read from the driver's license. As a result, information on whether or not the driver's license has been canceled or stopped can be obtained from the time of the previous contract until now.

Next, in step 79, a message is displayed so as to insert an automobile non-life insurance card (IC card) in which information on the existing insurance conditions and the like is stored, and in step 80, the contract insurance is started from that force. It reads condition information, actual driving time information of the vehicle, name, date of birth, address, type of driver's license, etc. written by the onboard unit. Next, in step 81, the remaining effective driving time of insurance (the time during which insurance money can be paid), which is obtained by subtracting the actual driving time from the vehicle driving time under the existing insurance conditions, is displayed as shown in Fig. 11.

Next, in step 82, the security code is input and collated. If they match, proceed to the next step 83 and convert the remaining effective operation time into a monetary value and display it. For example, at the time of the previous contract, the vehicle operating time was If the vehicle has actually been driven for 699 hours to date, then 700-699 = 1 hour is the remaining insured effective driving time. To convert this one hour into a monetary value, multiply the insurance unit price at the time of the previous contract by 72 yen Z hours, which is equivalent to 1 (hour) X 72 (yen / hour) = 72 (yen). In step 84, the insurance unit price is determined based on the information communicated with the insurance host system and read from the automobile accident insurance force and the information stored in the insurance host system. Is displayed as follows. At this time, a plurality of courses with different insurance premiums with different insurance conditions are displayed, so that the applicant can select the required course.

If "CANCEL" is selected in step 76 of Fig. 3, go to step 85. Thereafter, the process proceeds to Step 75 through Steps 86, 87, and 88. In the case of cancellation, the cancellation will be terminated halfway, so if the remaining effective operation time is long, the amount returned may be less than the above-mentioned ¥ 72.

If card or online is selected in step 69, proceed to Fig. 4. After step 95, payment will be received from the financial institution host system. If force is selected, a message is displayed to enter the card at the entrance in step 90, and a message is displayed prompting the user to enter a password in the next step 91. The force inserted here is a force different from the automobile accident insurance force. However, if there is a settlement contract between the Automobile Insurance Co., Ltd. and the financial institution (there is a settlement function), one IC card can be shared.

If online is selected, the process proceeds to steps 92 and 93, and prompts the user to enter a numeric alphabet that directly or indirectly indicates information about the settlement account. In step 94, the system communicates with the host system of the contracted financial institution and performs settlement. Next, how to submit accident information to an insurance company using a sales terminal will be described. In the event of an accident, policyholders must inform the police as well as contact the insurer. After that, the policyholder brings his / her own car accident insurance card (IC force card) removed from the accident car to the sales terminal. When the “Accident” item is selected on the menu screen shown in Fig. 5, the sales terminal displays several questions (such as the location, whether or not to contact the police, and the degree of injuries) on the status of the accident on the screen. In addition to requesting input to policyholders, it instructs the insertion of insurance cards into sales terminals.

The sales terminal reads the stored information from the inserted insurance card, and transmits the information and the answer to the above-mentioned question in the host system of the insurance company. Based on the information received, the insurance company can decide whether or not to pay the insurance money. The information stored in the insurance code is structured so that it cannot be easily changed from outside, so the reliability of the information is high. Of course, in addition to the information received, information obtained from direct contractors, police, and accident investigations may be referred to.

The OBE may be configured to lock the inserted insurance card when it detects an accident and make it unremovable. As a result, it is possible to prevent unauthorized changes in the contents of the insurance card after the accident and concealment of the card. The insurance company dispatches employees (or agents) to the accident vehicle, unlocks the vehicle-mounted device, collects the insurance card, reads the stored information using its own host system, and checks whether the insurance payment is made. Can be determined. Police may collect it.

Although not described in detail, this pay-as-you-go insurance can be applied not only to vehicles (automobiles) but also to bicycles, bicycles, ships, and airplanes.

Another embodiment of the pay-as-you-go insurance will be described. In this example, This is a non-life insurance system for fairly sharing insurance premiums in consideration of individual differences in regard to automobile non-life insurance, which collects insurance premiums based on hours of use and past driving histories of individuals. The premiums paid by the insured to the non-life underwriters (insurers) in this non-life insurance system are as follows.

(Insurance premium) = (Usage time) X (Insured person's hourly unit price) + (Basic fee) Basically, insurance premiums are paid in advance. Is good.

(Insurance premium) I (Basic fee)

(Insurance effective time) = ∑ (use time)

(Insured hourly unit price)

The insurance premium is paid in advance to the insurance company at a predetermined amount. Each time the insured uses the vehicle, the usage time is added up and the effective insurance time is managed. The insurance is valid if the insurance effective time remains for the minimum time unit (for example, even one minute), and in the unlikely event, the insurance company will cover it. If the effective insurance time is shorter than the prescribed length, the insurance sales will be extended at the nearest sales terminal to extend the effective insurance time. The hourly unit price of the insured varies with the driving history, and is changed if necessary when additional premiums are paid.

Fig. 13 shows the system configuration required to collect insurance premiums. The system of the present invention consists of an insurance host system 101 installed at a company that underwrites non-life insurance, a sales terminal system 102 installed at a non-life insurance store or a convenience store, and a repair system. A repair host system 104 installed at a company that manages parts, a repair terminal system 104 installed at multiple repair shops, and an in-vehicle terminal system 105 installed on individual vehicles (Hereinafter, on-board terminal 105). In addition, the in-vehicle terminal system is connected to the in-vehicle terminal insurance card 106, which can be freely attached and detached, It comprises means 107, in-vehicle terminal computing means 108, in-vehicle terminal storage means 109, in-vehicle communication network connection means 110, and in-vehicle terminal power supply means 111. The automobile accident insurance card 106 (hereinafter referred to as insurance card 106) includes card connection means 112, force calculation means 113, force display means 114, and card It consists of storage means 1 15 and card power supply means 1 16. The in-vehicle terminal 105 is connected to the steering controller 117, the brake controller 118, the transmission controller 119, the engine controller 120, and the airbag controller 1 via the in-vehicle communication network. It can communicate with 21, radar sensor 122, image sensor 123, position sensor 123, clock 125, navigation system 126, etc.

FIG. 14 shows the configuration of the sales terminal system 102. The sales terminal system 102 includes a communication network means 201, a sales terminal calculation means 202, a sales terminal key input means 203, a sales terminal display means 204, and a sales terminal storage. Means 205, sales terminal first connection means 206, sales terminal power supply means 207, and sales terminal second connection means 208. The sales terminal system 102 can communicate with the insurance card 106 via the sales terminal first connection means 206, and can update the contents of the card storage means 115, and can operate the insurance host system. 1 0 1 can be sent. In the same manner, a second card, for example, a driver's license (not shown), or a credit card to settle the premium through the second connection means 208 of the sales terminal. (Not shown), and inquires / sends to an information host system (not shown) of an administrative organization or an information host system (not shown) of a bank or a credit sales company. be able to. This allows for quick changes in insurance content and settlement of premiums. Fig. 15 shows the configuration of the repair terminal system 104. The repair terminal system 104 includes a communication network means 301, a repair terminal calculation means 302, a repair terminal key input means 303, a repair terminal display means 304, and a repair terminal storage means. A repair terminal 310, a repair terminal first connection means 300, a repair terminal power supply means 307, and a repair terminal second connection means 308 are provided. The repair terminal system 104 can communicate with the insurance card 106 via the repair terminal first connection means 303, and reads the contents of the card storage means 115 to determine the repair item and the repair price. Make an estimate. Similarly, it communicates with the second terminal via the second connection means 308 of the repair terminal, for example, with a credit card (not shown) for settlement of the insured portion of the repair fee. It is possible to inquire and transmit data to information host systems (not shown) of banks and credit companies. This will enable quick settlement of the repair fee.

Fig. 16 shows this processing flow when the vehicle equipped with the on-board terminal 105 is running normally (no failure or accident has occurred). As described above, the insured driver measures the time spent using the vehicle and reduces the effective insurance time. The driver sits in the driver's seat and connects the insurance card 106 to the on-board terminal. Of course, the insurance card 106 may be connected to the in-vehicle terminal before seating (when the vehicle was used last time). In step 401, it is determined whether or not the engine has started. If the engine has not started, end. If the engine is running, it is determined that the driver is using the vehicle, and the procedure proceeds to step 40.2. In step 402, the minimum time unit (1 minute) is subtracted from the effective insurance time stored in the insurance card 106 and the data is stored again. Next, the process proceeds to step 4 03, and the insurance effective time after subtraction is displayed on the insurance card 106. Figure 17 shows the insurance card 106 The insurance effective time is clearly shown on the force display means 1 1 4. The card may not have the display means 114 or the connection terminal 501. Next, in step 404, it is determined whether the insurance effective time is equal to or less than a predetermined value (for example, 60 minutes). If the insurance effective time is equal to or longer than the predetermined value, the process ends. If the insurance effective time is equal to or less than the predetermined value, the flow advances to step 405 to display that the effective time is equal to or less than the predetermined value. Subsequently, in step 406, the guidance of the nearest sales terminal is similarly displayed. Fig. 18 shows the appearance of insurance force code 106. The insurance time display means 114 displays the insurance effective time and the guidance of the nearest sales terminal. The display contents of the card display means are held until the next processing flow is started. The guidance of the nearest sales terminal is stored in the card storage means 115 or the in-vehicle terminal storage means 109. By starting this processing flow every minimum time unit and updating the insurance effective time, it becomes possible to collect insurance premiums according to the driver's usage time. In addition, by displaying information on the sales terminal so that the insurance effective time does not become zero, it is possible to add the driver's insurance premium. It is also effective to notify the driver of the same information by voice along with the display. The user can know the contents of the insurance card without looking at the card display means while driving, and can drive more safely. The navigation may be performed by the navigation system 126.

FIG. 19 is a processing flow when a vehicle equipped with the in-vehicle terminal 105 has a failure or an accident. When a failure or accident occurs, the processing flow shown in Fig. 19 is started, and in step 701, various types of vehicle data (for example, time, speed, acceleration, and vehicle-specific data) are transmitted via the on-vehicle communication network. No.) are collected and stored in the card storage means 1 15. Further, in step 72, the current insurance effective time is similarly stored in the card storage means 115. Record. As a result, the status of the accident and the validity of the insurance are stored in the insurance card 106, and it becomes possible to quickly perform repairs at the repair shop, pay the same, and apply non-life insurance. FIG. 20 shows the appearance of the insurance card 106 after the processing flow of FIG. 19 has been activated, and clearly shows that the vehicle storage is recorded in the card storage means 115. ing. This clearly indicates to the driver that insurance coverage 106 can be used for subsequent procedures. It is also effective to notify the driver of the same information by voice together with the display. Fig. 21 shows the system configuration shown in Fig. 1, Fig. 2, and Fig. 3, plus in-vehicle wireless means 901, and a plurality of wireless base stations 902. This is a configuration that enables wireless communication between the systems 101. Since the in-vehicle terminal system 105 and the insurance host system 101 can always communicate, the same information as the information stored in the insurance card 106 can also be stored in the insurance host system 101. . The driver can display the contents of the force display means 114 on the insurance card 106 while checking the contents at any time, so that the reliability is further improved while the communication is established.

Here, an example is described in which a non-life insurance card with a built-in storage unit is used. This storage device may be used directly. In this case, the state of the vehicle is transmitted to the insurance company via wireless at any time, so that the storage in the storage device of the host system is changed or added. In the event of an accident, the insurance company decides whether it is obligated to pay the insurance claims based on the information stored in the host system. Of course, it can be used in combination with an insurance card. By using on-board wireless means, even if a vehicle is destroyed or burnt down due to an accident, it is possible to keep a record of the state of the vehicle and the remaining insurance amount. As described above, according to this embodiment, it is possible to pay the insurance premium according to the time of using the car or the distance traveled by the car, and to clearly indicate the expiration of the insurance contract. In addition, it is possible to pay insurance premiums according to the time the car has been used or the distance the car has traveled, and to manage the effective time of the insurance contract, making it possible to clearly indicate to the driver. In addition, it is possible to pay insurance premiums according to the time of using the car or the distance traveled by the car, and to manage the validity period of the insurance contract, making it possible to clearly indicate to the driver. In addition, it is possible to pay insurance premiums according to the time of using the car or the distance traveled by the car, and to manage the effective time of the insurance contract, so that it is possible to clearly indicate to the driver. In addition, it is possible to pay insurance premiums according to the time of use of the car or the distance traveled by the car, and to manage the effective time of the insurance contract, which can be clearly indicated to the driver. In addition, it is possible to pay insurance premiums according to the time of using the car or the distance traveled by the car, and the effective time of the insurance contract can be managed by the dual system of the in-vehicle terminal system and the insurance host system, It is possible to make it clear to the driver. Next, embodiments of the present invention will be described briefly in the following (a) to (e).

(a) storing the non-life insurance contract signed in advance as digital data in the storage means, and changing the storage content of the storage means based on the detected state of the vehicle; A non-life insurance method for vehicles that determines whether to pay insurance claims based on

In addition, the non-life insurance contract signed in advance is stored in the storage means as digital data, and the storage content of the storage means is changed at any time based on the state of the vehicle, and based on the stored content and the non-life insurance contract, A non-life insurance method for vehicles that determines whether to pay insurance.

Further, in the above, further after the vehicle accident, based on the stored contents And if it is determined that the non-life insurance policy has not been satisfied at the time of the accident, a non-life insurance method for a vehicle for which insurance money is not paid under the non-life insurance contract. Further, in the above, if it is determined after the accident of the vehicle that the non-life insurance policy was satisfied at the time of the accident based on the stored contents, the vehicle to which the insurance money under the non-life insurance contract is paid The non-life insurance method. Further, the vehicle state is a vehicle damage insurance method including at least one of a running time, a running distance, a vehicle use time, and an engine operating time. In addition, when the storage unit is mounted on an in-vehicle device, a method for insurance for damage to a vehicle in which the change is performed in response to a signal from the in-vehicle device. The state of the vehicle is transmitted to a building via wireless communication, and the change is performed in the building. In addition, the non-life insurance method for a vehicle in which the payment of the insurance money takes into account other circumstances not stored in the storage means. '

(b) an input end to which a signal about the state of the vehicle is input, and a changing means for changing storage contents of a storage means used for determining insurance payment by a non-life insurance contract based on the signal. In-vehicle devices.

Further, in the above, the in-vehicle apparatus further includes an entrance into which the storage unit is inserted, and the storage content of the storage unit is changed by a second signal output by the change unit. Further, the in-vehicle device outputs the second signal via wireless communication. Further, the storage content includes data on the effective remaining amount of the non-life insurance contract, and the remaining amount is reduced by the change. Further, an in-vehicle device provided with a notifying means for displaying the remaining amount in a vehicle and / or notifying by voice. Also, an in-vehicle device provided with a warning unit for displaying a warning in the vehicle and issuing a warning by Z or voice when the remaining amount satisfies a predetermined condition. In addition, the notifying means is a unit of the remaining amount of time or distance An in-vehicle device that displays or outputs audio. In addition, the change is performed only during a stop of the vehicle.

(c) storage means for storing data used to determine insurance payment under a non-life insurance contract, and an input terminal for inputting a signal from an in-vehicle device for detecting the state of the vehicle, and A storage device for changing the storage content of the storage means based on a signal.

Further, in the above, further, the storage device in which the input terminal inputs a signal via wireless communication. Further, a storage device provided with an output terminal for outputting all or a part of the stored content to the in-vehicle device. Also, a storage device in which the input terminal inputs a signal via wireless communication, and / or the output terminal outputs all or a part of the storage content via wireless communication. Also, a storage device that is an IC card. Further, the output terminal and the input terminal are partially or entirely common.

(d) data-generating means for inputting a non-life insurance contract and preparing a non-life insurance contract; and used for determining insurance payment by the non-life insurance contract, wherein the stored contents are based on a signal input from the in-vehicle device. A terminal device comprising: a changeable storage unit; and a data storage unit for storing the data.

Further, in the above, the terminal device further stores the data in the storage device via wireless communication. Further, a terminal device provided with display means for displaying the non-life insurance contract based on the stored contents. Further, a terminal device comprising: display means for displaying an effective remaining amount of the non-life insurance contract based on the stored contents. Further, a terminal device comprising a judgment means for judging whether or not to pay an insurance money based on the stored contents and the non-life insurance contract. In addition, when it is determined that the insurance money is to be paid by the determination means, the first account specified in the non-life insurance contract is used to determine the insurance loss in the non-life insurance contract. A terminal device provided with instruction means for outputting a signal indicating that all or a part of the insurance money is remitted to the second account.

(e) A data creation means for inputting the conditions of a non-life insurance contract and creating data, a storage means for storing the data, and an in-vehicle which changes the storage content of the storage means based on the state of the vehicle A non-life insurance system for a vehicle, comprising: a device; and determining whether to pay an insurance claim based on the stored contents and the non-life insurance contract.

A storage unit for storing data based on certain non-life insurance conditions; and an in-vehicle device for changing storage contents of the storage unit based on a state of a vehicle. A non-life insurance system for vehicles that determines whether to pay insurance claims based on

Further, in the above, the condition of the vehicle may be at least one of a travel time, a travel distance, a vehicle use time, and an engine operating time.

Claims

The scope of the claims

1. The non-life insurance contract signed in advance is stored in the storage means as data, and the storage contents of the storage means are changed based on the detected state of the vehicle, based on the stored contents and the non-life insurance contract. A non-life insurance method for vehicles that determines whether to pay insurance.

2. The non-life insurance contract signed in advance is stored in the storage means as an overnight, and the storage contents of the storage means are changed at any time based on the state of the vehicle, based on the stored contents and the non-life insurance contract. A non-life insurance method for vehicles that determines whether to pay insurance.

3. In Claims 1 or 2,

After the vehicle accident,

A non-life insurance method for a vehicle, characterized in that if it is determined based on the stored contents that the non-life insurance contract has not been satisfied at the time of the accident, no insurance money is paid under the non-life insurance contract.

4. In Claims 1 or 2,

After the vehicle accident,

If it is determined based on the stored contents that the non-life insurance contract was satisfied at the time of the accident, an insurance money based on the non-life insurance contract is paid.

5. In Claims 1 or 2,

The vehicle damage insurance method, wherein the vehicle state includes at least one of a running time, a running distance, a vehicle use time, and an engine operating time.

6. In Claims 1 or 2,

When the storage means is mounted on an in-vehicle device, A non-life insurance method for a vehicle, characterized in that the change is made in response to a signal of the vehicle.

7. In Claims 1 or 2,

The vehicle damage insurance method, wherein the state of the vehicle is transmitted to a building via wireless communication, and the change is performed in the building.

8. In any one of claims 1 to 7,

The non-life insurance method for a vehicle, wherein the insurance money is paid in consideration of other circumstances not stored in the storage means.

9. An input terminal to which a signal about the state of the vehicle is input,

Changing means for changing the storage content of the storage means used for determining the insurance payment based on the non-life insurance contract based on the signal;

An in-vehicle device provided with.

10. In claim 9,

An entrance into which the storage means is inserted,

An in-vehicle device, wherein the storage content of the storage unit is changed by a second signal output by the change unit.

1 1. In claim 10,

The second signal is output via wireless communication.

1 2. In any one of claims 9 to 11,

The stored content includes data on the effective remaining amount of the non-life insurance contract,

The in-vehicle device, wherein the change reduces the remaining amount.

1 3. In Claims 1 and 2,

Notification means for displaying the remaining amount in the car and notifying by Z or voice An in-vehicle device, comprising:

1 4. In Claims 1 and 2,

An in-vehicle device comprising: a warning unit that displays a warning and / or sounds in a vehicle when the remaining amount satisfies a predetermined condition.

15. In claim 13,

The in-vehicle device, wherein the notifying unit displays or outputs the remaining amount in units of time or distance.

16. In any one of claims 9 to 15,

The in-vehicle device, wherein the change is performed only while the vehicle is stopped.

1 7. A storage means for storing data used to determine the payment of insurance claims under a non-life insurance contract;

An input end for inputting a signal from an in-vehicle device that detects a state of the vehicle,

A storage device that changes the storage content of the storage unit based on the input signal.

18. In Claim 17,

The input terminal receives a signal through wireless communication.

1 9. In claim 17,

A storage device, comprising: an output terminal for outputting all or a part of stored contents to the on-vehicle device.

20. In claim 19,

The input terminal inputs a signal via wireless communication, and / or the output terminal outputs all or a part of stored contents via wireless communication. A storage device characterized by the above-mentioned.

2 1. In Claims 19 or 20,

A storage device characterized by being an IC card.

2 2. In any of claims 19 to 21,

A storage device, wherein the output terminal and the input terminal are partially or entirely common.

2 3. (a) A data creation method for entering non-life insurance contracts and creating data,

(b) data storage means for storing the data in storage means, which is used for determining the insurance payment based on the non-life insurance contract and in which the storage content can be changed based on a signal input from the on-board device,

Terminal device provided with.

2 4. In Claim 23,

The terminal device, wherein the data storage unit stores data in the storage unit via wireless communication.

2 5. In Claim 23,

A terminal device, comprising: display means for displaying the non-life insurance contract based on the stored content.

2 6. In Claim 23,

A terminal device, comprising: display means for displaying an effective remaining amount of the non-life insurance contract based on the stored content.

2 7. In Claim 26,

A terminal device comprising: a determination unit configured to determine whether to pay an insurance money based on the stored contents and the non-life insurance contract.

2 8. In Claim 27, When it is determined that the insurance money is to be paid by the determination means, all or a part of the insurance money is transferred from the first account specified in the non-life insurance contract to the second account specified in the non-life insurance contract A terminal device, comprising: an instruction unit that outputs a signal for instructing a remittance.

2 9. Data creation means for entering the conditions of the non-life insurance contract and creating data,

Storage means for storing the data,

An in-vehicle device that changes the storage content of the storage unit based on a state of the vehicle,

A non-life insurance system for a vehicle that determines whether to pay an insurance money based on the stored contents and the non-life insurance contract.

30. A storage unit for storing data based on a predetermined non-life insurance condition, and an in-vehicle device for changing the storage content of the storage unit based on a state of a vehicle,

A non-life insurance system for a vehicle that determines whether to pay an insurance money based on the stored contents and the non-life insurance conditions.

3 1. In Claims 29 or 30,

The state of the vehicle includes at least one of a travel time, a travel distance, a vehicle use time, and an engine operation time, and the property damage insurance for the vehicle