WO2007094191A1 - Mobile object insurance service supporting method, mobile object insurance service supporting program, recording medium, and mobile object insurance service supporting device - Google Patents

Abstract

In a mobile object insurance supporting device (120), when a specific information acquiring section (121) acquires specific information, a searching section (123) searches drive information acquired by a drive information receiving section (122) for drive information matching the acquired specific information, and an output section (124) outputs the obtained drive information. With this, correct information on traffic accidents can be easily collected. By using the collected information, investigation of traffic accidents and amicable negotiation is smoothly progressed, the personal cost of the amicable negotiation is reduced, and discount of the insurance contract amount accompanying it can be expected.

Description

 Specification

 Mobile insurance service support method, mobile insurance service support program, recording medium, and mobile insurance service support device

 Technical field

 The present invention relates to a mobile insurance service support method, a mobile insurance service support program, a recording medium, and a mobile insurance service support device. However, use of the present invention is not limited to the above-described mobile insurance service support method, mobile insurance service support program, recording medium, and mobile insurance service support device.

 Background art

 [0002] Conventionally, a drive recorder that records the surrounding situation of a running vehicle is known, similar to a flight recorder mounted on an airplane. For example, it has a front camera that captures the front of the vehicle, a rear camera that captures the rear, and a divided image forming unit that writes the front and rear images in a predetermined area of the image memory in synchronization with the reference signal. In addition, the recording information with time information added is constantly recorded in the buffer memory, and when the signal exceeding the predetermined value is input to the impact detection sensor, the recording information is transferred to the storage memory and stored. There is a drive recorder (see, for example, Patent Document 1 below).

 [0003] Patent Document 1: Japanese Patent Application Laid-Open No. 2004-224105

 Disclosure of the invention

 Problems to be solved by the invention

 [0004] By the way, when negotiating a traffic accident, it is essential to obtain accurate information at the time of the traffic accident. In general, taking into account the evidence of traffic accident parties and witnesses, geographical conditions, and weather / time at the time of the traffic accident, talks can be made to the extent that the insurance company determines it is appropriate. It is advanced. However, in this case, relying on the subjectivity of traffic accident parties, witnesses, or insurance company staff, etc., is based on accurate evidence without much power! Nao.

[0005] On the other hand, the technique shown in Patent Document 1 described above uses a drive recorder. Is expected to be able to accurately grasp the situation at the time of the traffic accident using video and audio, etc., and proceed smoothly with the negotiations. In the event of a traffic accident, the insurance contract fee for the following year Is more expensive than when there is no accident. In other words, in the current mobile insurance service, the problem that the cost for installing the drive recorder is not reflected in the insurance contract fee is an example.

 Means for solving the problem

 [0006] A mobile insurance service support method according to the invention of claim 1 is a method for supporting a mobile object owned by a contractor of the mobile insurance service recorded by a drive recorder registered as a contract object of the mobile insurance service. Of the drive information, when the drive information related to the traffic accident of the mobile body is acquired, the acquired drive information is used for calculating the insurance contract fee of the mobile body insurance service.

 [0007] A mobile insurance service support method according to the invention of claim 2 includes a specific information acquiring step of acquiring specific information for specifying a traffic accident caused by a mobile object owned by a contractor of the mobile insurance service, and the specifying When specific information is acquired by the information acquisition step, a drive information acquisition step of acquiring drive information of the mobile unit recorded by a drive recorder registered as a contract object of the mobile unit insurance service; and the drive information acquisition unit A search step for searching for drive information that matches the specific information acquired by the specific information acquisition step from the drive information acquired by the step, and an output step for outputting the search result searched by the search step; , Including.

[0008] The mobile insurance service support method according to the invention of claim 3 includes an insurance contract information acquiring step of acquiring insurance contract information related to a mobile insurance service contractor and a mobile object owned by the contractor, and A drive information acquisition process for acquiring the drive information of the mobile unit recorded by a drive recorder registered as a contract object of the mobile insurance service, and the drive information acquired by the drive information acquisition process are used as the insurance contract information. When receiving a storage step of storing in the database in association with the insurance contract information acquired by the acquisition step and specific information for specifying a traffic accident caused by the mobile object, the specific information is selected from the drive information stored by the storage step. A search process for searching for drive information that matches the information, and the search process Search formation And an output step for outputting the results.

 [0009] A mobile insurance service support program according to claim 4 causes a computer to execute the mobile insurance service support method according to any one of claims 1 to 3.

 [0010] A recording medium according to the invention of claim 5 records the mobile insurance service support program according to claim 4.

 [0011] The mobile insurance service support device according to the invention of claim 6 includes specific information acquisition means for acquiring specific information for specifying a traffic accident caused by a mobile object owned by a contractor of the mobile insurance service, and the specific information. Drive information acquisition means for acquiring drive information of the mobile unit recorded by the drive recorder registered as a contract object of the mobile insurance service when the specific information is acquired by the acquisition unit, and the drive information acquisition unit Search means for searching for drive information that matches the specific information acquired by the specific information acquisition means from among the drive information acquired by the output means, output means for outputting the search results searched by the search means, It is characterized by providing.

 [0012] The mobile insurance service support device according to the invention of claim 7 includes a policyholder for mobile insurance service and an insurance contract information acquisition means for acquiring insurance contract information relating to a mobile body owned by the contractor, Drive information acquisition means for acquiring the drive information of the mobile unit recorded by a drive recorder registered as a contract object for mobile insurance service, and the drive information acquired by the drive information acquisition means, the insurance contract information. When the storage means for storing in the database in association with the insurance contract information acquired by the acquisition means and the specific information for specifying the traffic accident by the moving body are received, the specific information is selected from the drive information stored by the storage means. And search means for searching for drive information that matches the information.

 Brief Description of Drawings

 FIG. 1 is a block diagram showing a schematic configuration of a mobile insurance service support system according to a first embodiment.

FIG. 2 is a flowchart showing a processing procedure of the mobile insurance service support apparatus according to the first embodiment. FIG. 3 is a block diagram showing a schematic configuration of a mobile insurance service support system according to a second embodiment.

 FIG. 4 is a flowchart showing a processing procedure of the mobile insurance service support apparatus according to the second embodiment.

 FIG. 5 is a block diagram illustrating a schematic configuration of the network system according to the first embodiment.

 FIG. 6 is a block diagram showing a hardware configuration of the insurance company server.

 FIG. 7 is a block diagram showing a hardware configuration of the navigation device.

 [FIG. 8] FIG. 8 is a flowchart (part 1) showing the operation procedure of the automobile insurance service using the network system.

 [FIG. 9] FIG. 9 is a flowchart (part 2) showing the operation procedure of the car insurance service using the network system of the second embodiment.

 Explanation of symbols

 [0014] 120 Mobile insurance service support device

 121 Specific Information Acquisition Department

 122 Drive information acquisition unit

 123 Search part

 124 Output section

 320 Mobile insurance service support device

 321 Insurance Contract Information Acquisition Department

 322 L | P¾

 323 specific information reception

 324 search part

 BEST MODE FOR CARRYING OUT THE INVENTION

 [0015] Exemplary embodiments of a mobile insurance service support method, a mobile insurance service support program, a recording medium, and a mobile insurance service support device according to the present invention will be described below in detail with reference to the accompanying drawings. To do.

 [0016] (Embodiment 1)

(Schematic configuration of mobile insurance service support system) First, the mobile insurance service support system according to the first embodiment which is useful for the present invention will be described. FIG. 1 is a block diagram showing a schematic configuration of the mobile insurance service support system according to the first embodiment. In FIG. 1, a mobile insurance service support system 100 according to Embodiment 1 includes a drive recorder 110 and a mobile insurance service support device 120.

 First, the drive recorder 110 will be described. The drive recorder 110 is a device that is installed in a mobile body and records drive information of the mobile body. Here, the moving body is a movable object, such as a vehicle or a ship. The drive information is information that represents the moving object and the situation around the moving object, and includes information that can specify the location and time at which the moving object is located.

 [0018] For example, when the moving body is a vehicle, the drive recorder 110 is specifically acquired by an acquisition unit or an acquisition unit that acquires information such as video and audio around the vehicle or around the vehicle. And a recording unit for recording the recorded information as drive information together with information indicating the acquisition location and acquisition time of the information.

 The drive recorder 110 is assigned authentication information used for authenticating whether or not the force is drive information recorded by the drive recorder 110. This authentication information may be, for example, information assigned by the seller of the drive recorder 110 or the serial number of the drive recorder 110! /.

 [0020] The drive information is authenticated by, for example, an insurance company that provides a mobile insurance service. In this case, the contractor who contracts the mobile insurance service registers the authentication information assigned to the drive recorder 110 in the server of the insurance company. This realizes registration of the drive recorder 110 with the insurance company.

[0021] The drive information authentication may be performed, for example, by a specialized system management company entrusted to an insurance company. In this case, the contractor who contracts the mobile insurance service registers (authentication registration) the authentication information assigned to the drive recorder 110 in the server of the system management company. This realizes registration of the drive recorder 110 with the system management company. The drive recorder 110 is registered when the drive recorder 110 is purchased or when a mobile insurance service is contracted. [0022] Registration of the drive recorder 110 is not limited to that performed by the contractor. On behalf of policyholders, insurance companies that provide mobile insurance services, system management companies, dealers of drive recorders 110, installers that install drive recorders 110 on mobiles, etc., perform registration of drive recorders 110. Yo ...

 [0023] (Functional configuration of mobile insurance service support device 120)

 Next, the functional configuration of the mobile insurance service support apparatus 120 will be described with reference to FIG. The mobile insurance service support device 120 may be managed by an insurance company that is a provider providing insurance services, or may be managed by a specialized system management company entrusted to the insurance company. When the mobile insurance service support device 120 is managed by a system management company, information is exchanged between the insurance company and the system management company using various methods such as telephone, facsimile, and letter. Is called.

 As shown in FIG. 1, the mobile insurance service support apparatus 120 includes a specific information acquisition unit 121, a drive information acquisition unit 122, a search unit 123, and an output unit 124. The specific information acquisition unit 121 acquires specific information that identifies a traffic accident caused by a mobile object owned by a contractor of the mobile insurance service.

 [0025] Here, the specific information is, for example, information for identifying a mobile body or a contractor who has encountered a traffic accident, information for identifying the time of occurrence of a traffic accident, information for identifying a point of occurrence of a traffic accident, etc. Is mentioned. For example, the specific information acquisition unit 121 receives the specific information through an input operation by the administrator of the insurance company that received the notification of the occurrence of the traffic accident or the administrator of the mobile insurance service support device 120 that has received the notification from the insurance company. get. Contractor power of mobile insurance services Insurers are notified of traffic accidents using various methods such as telephone, fax, and letter.

 [0026] In addition, the drive information acquisition unit 122, when the specific information is acquired by the specific information acquisition unit 121, the drive of the mobile unit recorded by the drive recorder 110 registered as the contract object of the mobile unit insurance service Get information.

[0027] The drive information acquisition unit 122 acquires the drive information from the mobile drive recorder 110 via communication, for example. In this case, the drive information acquisition unit 122 All drive information recorded by the driver 110 may be acquired, or only drive information recorded in a predetermined period may be acquired.

 [0028] In addition, the drive information acquisition unit 122 may acquire the drive information by reading the drive information recorded by the drive recorder 110, for example, from the media power! / ヽ. In this case, in the operation of mobile insurance service, for example, the contractor of mobile insurance service sends the media on which the drive information is recorded to the insurance company or system management company.

 [0029] Then, an insurance company or system management company employee reads the drive information recorded on the sent media. In this case, the media may be sent periodically regardless of whether or not a traffic accident has occurred, or only when a traffic accident has occurred.

 [0030] Upon acquiring the drive information, the drive information acquisition unit 122 authenticates whether or not the drive information of the mobile unit is recorded by the drive recorder 110 registered as the contract object of the mobile unit insurance service. As a result, only the drive information recorded by the registered drive recorder 110 may be acquired.

 In addition, the search unit 123 searches for drive information in which the drive information acquired by the drive information acquisition unit 122 matches the specific information acquired by the specific information acquisition unit 121. The search unit 123 searches, for example, drive information recorded at or around the time of the occurrence of the traffic accident and drive information recorded at or near the location where the traffic accident occurred.

 In addition, the output unit 124 outputs the search result searched by the search unit 123. For example, the output unit 124 outputs the search result by displaying the search result on the display screen using a display device having a display screen. In addition, the output unit 124 may output the search result by, for example, using a printer device V and printing the search result on a document!

When mobile insurance service support apparatus 120 is managed by a system management company, the printed search result is sent to the insurance company using a method such as communication or letter. When the mobile insurance service support apparatus 120 is managed by the system management company, the output unit 124 may transmit the search result to the insurance company via communication. The search result may be output with.

 [0034] (Processing procedure of mobile insurance service support device 120)

 Next, the processing procedure of the mobile insurance service support apparatus 120 will be described. FIG. 2 is a flowchart showing the processing procedure of mobile insurance service support apparatus 120 of the first embodiment. In the flowchart of FIG. 2, first, the specific information acquisition unit 121 waits until specific information is acquired (step S 201: No), and if acquired (step S 201: Yes), the drive information reception unit 122 Wait until the drive information is acquired (Step S202: No).

 [0035] When the drive information is acquired by the drive information receiving unit 122 in step S202 (step S202: Yes), the medium power of the acquired drive information also matches the specific information acquired in step S201: Yes. The drive information is searched by the search unit 123 (step S203). Then, the retrieved drive information is output by the output unit 124 (step S204), and the series of processing ends.

 [0036] As described above, according to the mobile insurance service support method of the first embodiment, the contractor of the mobile insurance service recorded by the drive recorder 110 registered as the contract object of the mobile insurance service is provided. If drive information related to a mobile accident is acquired from among the drive information of a mobile unit owned, the acquired drive information can be used to calculate the insurance contract fee for the mobile insurance service.

 [0037] Therefore, if accurate information on traffic accidents can be obtained, mobile insurance service providers can smoothly carry out traffic accident verification work and talk negotiations, such as personnel costs for talk negotiations, etc. Cost reduction can be expected. In other words, even for policyholders who have applied mobile insurance services, for policyholders who have provided valid drive information, the rate of increase in the insurance premium rate from the following year on the application of mobile insurance services will normally be It can be calculated with a lower estimated amount.

[0038] As a result, if a mobile insurance service contractor is able to provide accurate information on traffic accidents in the event of a traffic accident, the following year will be achieved by reducing the labor cost for negotiation negotiations. Expect to receive a policy with a lower premium, which will keep the rate of increase in insurance policy premiums below that of the normal premium rate when using mobile insurance services. Can do.

 In addition, according to mobile insurance service support apparatus 120 of Embodiment 1, the specific information acquired by specific information acquisition unit 121 is selected from the drive information acquired by drive information acquisition unit 122. Matching drive information can be output.

 [0040] Accordingly, if accurate information on traffic accidents is obtained, mobile insurance service providers can smoothly carry out traffic accident verification work and talk negotiations, such as personnel costs for talk negotiations, etc. Cost reduction can be expected. In other words, even for policyholders who have applied mobile insurance services, the policyholders who have provided valid drive information usually have the rate of increase in insurance contract fees from the following year due to the application of mobile insurance services. It is possible to estimate lower.

 [0041] As a result, if a mobile insurance service contractor is able to provide accurate information about traffic accidents in the event of a traffic accident, the following year will be reduced by reducing the labor cost for negotiation negotiations. It is possible to expect a contract with a cheaper premium, with the rate of increase in insurance contracts thereafter being lower than the normal rate increase when using mobile insurance services.

 [0042] (Embodiment 2)

 Next, the mobile insurance service support system according to the second embodiment will be described. FIG. 3 is a block diagram showing a schematic configuration of the mobile insurance service support system according to the second embodiment. In FIG. 3, the description of each part that realizes the same function as in FIG. 1 is omitted.

 [0043] (Schematic configuration of mobile insurance service support system)

 First, the schematic configuration of the mobile insurance service support system according to the second embodiment will be described with reference to FIG. In FIG. 3, the mobile insurance service support system 300 according to the second embodiment includes a management server 310, a drive recorder 110, and a mobile insurance service support device 320.

Next, the management server 310 will be described. The management server 310 is a device that collectively manages insurance contract information. Here, insurance contract information is information disclosed between an insurance company that is a provider of insurance services and a contractor that subscribes to the insurance services. It is news.

 [0045] The insurance contract information includes, for example, information that can identify the contractor of the mobile insurance service, such as the contractor's name, date of birth, address, contact information, gender, vehicle type, model year, presence / absence of modification, In addition to information that can identify mobile units owned by policyholders such as the history of insurance services, it also includes information that represents the contents of insurance contracts, such as the number of years of insurance contracts, insurance usage history, frequency of use of mobile units, and insurance discount rate It is out.

 [0046] The management server 310 is managed by, for example, an insurance company that provides mobile insurance services. The insurance contract information is input by, for example, an insurance company employee performing an input operation on the management server 310.

 [0047] (Functional configuration of mobile insurance service support device 320)

 Next, the functional configuration of the mobile insurance service support device 320 will be described with reference to FIG. As shown in FIG. 3, the mobile insurance service support apparatus 320 includes an insurance contract information acquisition unit 321, a drive information acquisition unit 122, a storage unit 322, a specific information reception unit 323, a search unit 324, and an output unit. 124.

 [0048] First, the insurance contract information acquisition unit 321 acquires the contract information of the mobile insurance service and the insurance contract information related to the mobile body owned by the contractor. The insurance contract information acquisition unit 321 acquires the insurance contract information through communication with the management server 310, for example. If the mobile insurance service support device 320 is managed by an insurance company, the insurance contract information should be acquired simultaneously with the input of the insurance contract information to the management server 310.

 The storage unit 322 stores the drive information acquired by the drive information acquisition unit 122 in association with the insurance contract information acquired by the insurance contract information acquisition unit 321. In the storage unit 322, a database is constructed that stores drive information in association with insurance contract information. The drive information acquisition unit 122 according to the second embodiment may acquire the drive information of the moving body at all times or periodically.

[0050] In the second embodiment, the authentication performed by the drive information acquisition unit 122 in the first embodiment described above may be performed by the storage unit 322. In this case, the storage unit 322 stores the drive information acquired by the drive information acquisition unit 122. Only the drive information recorded by the drive recorder 110 registered as the contract object of the mobile insurance service is recorded.

 [0051] The specific information receiving unit 323 receives specific information for specifying a traffic accident caused by a mobile object owned by a contractor of the mobile insurance service. The specific information acquisition unit 323 receives the specific information, for example, through an input operation by an employee of the insurance company that has received the notification of the occurrence of the traffic accident or the system management company that has received the notification from the insurance company. When the mobile insurance service support device 320 is managed by a system management company, the specific information receiving unit 323 may receive specific information from a computer device of the insurance company through communication.

 [0052] When the search unit 324 receives specific information that identifies a traffic accident caused by a moving body, the specific information received by the specific information reception unit 323 from the drive information stored by the storage unit 322. Search for drive information that matches.

 [0053] (Processing procedure of mobile insurance service support device 320)

 Next, the processing procedure of the mobile insurance service support apparatus 320 will be described. FIG. 4 is a flowchart showing the processing procedure of the mobile insurance service support apparatus 320 of the second embodiment. In the flowchart shown in FIG. 4, first, the insurance contract information acquisition unit 321 waits until the insurance contract information is acquired (step S401: No), and if acquired (step S401: Yes), it is acquired. It waits until the drive information acquisition unit 122 acquires the drive information that matches the insurance policy information (step S402: No).

 [0054] In step S402, when drive information that matches the insurance contract information acquired in step S401: Yes is acquired by the drive information acquisition unit 122 (step S402: Yes), the acquired drive information and Step S401: The insurance contract information acquired in Yes is associated with each other and stored in the storage unit 322 (step S403).

[0055] Then, it waits until the specific information is received by the specific information receiving unit 323 (step S404: No), and if it is received (step S404: Yes), drive information that matches the received specific information, Search is performed by the search unit 324 (step S405). Then, the retrieved search result is output by the output unit 124 (step S406), and the series of processing ends. [0056] As described above, according to mobile insurance service support device 320 of the second embodiment, when specific information specifying a traffic accident by a mobile is received, the information stored in storage unit 322 is stored. The drive information that matches the received specific information can be output.

 [0057] Therefore, if mobile insurance service providers can obtain accurate information about traffic accidents, they can smoothly carry out traffic accident verification work and talk negotiations, such as personnel expenses for negotiations. Cost reduction can be expected. In other words, even for policyholders who have applied mobile insurance services, the policyholders who have provided valid drive information usually have the rate of increase in insurance contract fees from the following year due to the application of mobile insurance services. It is possible to estimate lower.

 [0058] As a result, if a mobile insurance service contractor is able to provide accurate information on traffic accidents in the event of a traffic accident, the following year will be reduced by reducing the labor cost for negotiation negotiations. It is possible to expect a contract with a cheaper insurance contract fee, with the rate of increase in subsequent insurance contract fees being lower than the normal rate of increase when using mobile insurance services.

 [0059] Also, according to mobile insurance service support apparatus 320 of Embodiment 2, the drive information acquired by drive information acquisition unit 122 is changed to the insurance contract information acquired by insurance contract information acquisition unit 321. By storing them in the database in association with each other, the stored drive information can be used for verification of traffic accidents that occurred around the contractor other than those that the contractor himself encountered.

[0060] Therefore, mobile insurance service providers can more easily obtain accurate information on traffic accidents, and by using drive information, traffic accident verification work and talk negotiations can proceed smoothly, and talk negotiations can be carried out. It is possible to expect further reduction in expenses such as labor costs. In this case, for the contractor who provided the drive information effective for the verification work of traffic accidents, by adopting an operation form such as paying a reasonable price, the total cost of the contractor who works on the insurance contract is adopted. The burden can be reduced. As a result, contractors of mobile insurance services can subscribe to mobile insurance services with less cost burden. Example 1

 [0061] Next, Example 1 of the insurance service support system 100 according to the first embodiment will be described. Example 1 is an example in which the insurance service support system 100 according to Embodiment 1 described above is applied to a network system including a server connected to the Internet and a navigation device mounted on a vehicle.

 [0062] (Schematic configuration of network system)

 First, a schematic configuration of the network system according to the first embodiment will be described. FIG. 5 is a block diagram illustrating a schematic configuration of the network system according to the first embodiment. As shown in FIG. 5, the network system 500 includes an insurance company server 511 installed in an insurance company 510, a navigation device with a drive recorder function installed in a vehicle 520 (see FIG. 7), and a network system 500. It is composed of a system management company server 531 installed in a system management company 530 that provides the system. The insurance company server 511 and the system management company server 531 can communicate with each other via a communication network 501 such as the Internet.

 [0063] (Hardware configuration of insurance company server 511)

 Next, the hardware configuration of the insurance company server 511 will be described. FIG. 6 is a block diagram showing the hardware configuration of the insurance company server 511. In FIG. 6, an insurance company server 511 includes a CPU 601, a ROM 602, a RAM 603, a magnetic disk drive 604, a magnetic disk 605, an optical disk drive 606, an optical disk 607, a communication interface (hereinafter referred to as “ 608, an input device 609, a video IZF 610, and a display 611. Each component 601 to 611 is connected by a bus 620.

 The CPU 601 controls the insurance company server 531 as a whole. The ROM 602 records programs such as a boot program and an insurance service support program. The RAM 603 is used as a work area for the CPU 601. That is, the CPU 601 controls the entire insurance company server 531 by executing various programs recorded in the ROM 602 while using the RAM 603 as a work area.

Here, the insurance service support program is executed by the CPU 601, Vehicles recorded by a navigation device registered as a car insurance service contract object when specific information that identifies a traffic accident caused by a vehicle 520 owned by a car insurance service contractor is acquired. This is a program that acquires 520 drive information, searches for drive information that matches the above-mentioned specific information, and outputs the searched search results.

 Further, the magnetic disk drive 604 controls reading and writing of data with respect to the magnetic disk 605 according to the control of the CPU 601. The magnetic disk 605 records data written under the control of the magnetic disk drive 604. As the magnetic disk 605, for example, an HD (node disk) can be used.

 [0067] A database for storing insurance contract information is built on the magnetic disk 605 !.

 In the database, the above-mentioned insurance contract information, information such as the number of times the insurance is used and the payment status of insurance premiums are recorded in association with each contractor. In addition, the database is associated with device information for identifying a navigation device (see FIG. 7) mounted on the vehicle 520 specified by the insurance contract information. As a result, it is possible to specify whether the drive information received also by the navigation apparatus power, which will be described in detail later, is the drive information of the vehicle 520 that is V or shifted.

 In addition, the optical disc drive 606 controls the reading and writing of data to the optical disc 607 according to the control of the CPU 601. The optical disc 607 is a detachable recording medium from which data is read according to the control of the optical disc drive 606. The optical disk 607 can also use a writable recording medium. In addition to the optical disk 607, the removable recording medium may be an MO, a memory card, or the like.

 [0069] Further, the communication IZF 608 is connected to the communication network via wireless and functions as an interface between the PC and the CPU 601 connected to the communication network. Communication network includes LAN, WAN, public network and mobile phone network.

[0070] Further, the input device 609 includes a remote controller, a keyboard, a touch panel, and the like provided with a plurality of keys for inputting characters, numerical values, various instructions, and the like. The input device 609 may be realized by any one form of a remote control, a keyboard, and a touch panel, but may be realized by a plurality of forms. Further, the video IZF 610 is connected to the display 611. Specifically, the video I / F 610 includes, for example, a graphic controller that controls the entire display 611, a buffer memory such as VRAM (Video RAM) that temporarily records image information that can be displayed immediately, and a graphic controller. Based on the image data output from the control IC that controls the display 611. The display 611 displays icons, cursors, menus, windows, or various data such as characters and images. As the display 611, for example, a CRT, TFT liquid crystal display, plasma display or the like can be used.

 [0072] In the mobile insurance service support apparatus 120 shown in FIG. 1, the specific information acquisition unit 121, the drive information acquisition unit 122, the search unit 123, and the output unit 124 are the insurance company Sano shown in FIG. Using programs and data recorded in ROM 602, RAM 603, magnetic disk 605, optical disk 607, etc. in 511, CPU 601 executes a predetermined program and controls each part in insurance company server 511 to achieve its functions. Realize.

 That is, the insurance company server 511 of this embodiment uses the mobile insurance service support program shown in FIG. 1 by the mobile insurance service support program recorded on the recording medium of the insurance company server 511. The functions of 120 can be executed according to the procedure shown in FIG.

 [0074] (Hardware configuration of navigation device)

 Next, a hardware configuration of the navigation device will be described. FIG. 7 is a block diagram showing a hardware configuration of the navigation apparatus. In FIG. 7, the navigation device 700 includes a CPU 701, a ROM 702, a RAM 703, a magnetic disk drive 704, a magnetic disk 705, an optical disk drive 706, an optical disk 707, a video IZF 708, a display 709, and an audio IZF 710. A speaker 711, a microphone 712, an input device 713, a camera 714, a communication I / F 715, a GPS unit 716, and various sensors 717. Each component 701 to 717 is connected by a bus 720.

First, the CPU 701 governs overall control of the navigation device 700. The ROM 702 records programs such as a boot program. The RAM 703 is used as a work area for the CPU 701. In other words, CPU 701 uses RAM 703 as a work area. By using various programs recorded in the ROM 702, the overall control of the navigation device 700 is controlled.

 [0076] Hereinafter, description of the same configuration as that of each unit included in the insurance company server 531 described above will be omitted, and a characteristic configuration of the navigation device 700 will be described. The magnetic disk drive 704 stores map data and function data. Here, the map data includes background data that represents features (features) such as buildings, rivers, and the ground surface, and road shape data that represents the shape of the road. Composed by Aisle.

 [0077] The road shape data further includes traffic condition data. The traffic condition data includes, for example, the presence / absence of traffic lights and pedestrian crossings, the presence / absence of highway doorways and junctions, the length (distance) of each link, road width, direction of travel, road type (high speed). Road, toll road, general road, etc.).

 [0078] In addition, the traffic condition data stores past traffic information obtained by statistically processing past traffic information on the basis of the season / day of the week "large consecutive holidays" and the like. The navigation device 700 obtains information on the traffic jam that is currently occurring from the road traffic information received by the communication IZF715, which will be described in detail later, but it can predict the traffic jam situation at the specified time using the past traffic jam information. It becomes.

 [0079] The function data is data for realizing functions such as program data for realizing route search, calculation of required time, route guidance, etc. in addition to the above-described 3D data and character data. Map data and function data are each composed of multiple data files divided by district or function.

 [0080] On the display 709, the above-described map data force is drawn in two or three dimensions.

The map data displayed on the display 709 can be overlaid with a mark representing the current location of the navigation device 700. The current location of the navigation device 700 is acquired by a GPS unit 716 described later. The display 709 is installed near the vehicle dashboard, for example. A plurality of displays 709 may be installed in the vehicle, for example, in the vicinity of the vehicle's dashboard or in the vicinity of the rear seat of the vehicle. Further, the drive information described in the above embodiment is recorded on the magnetic disk 705. Specifically, the drive information includes video and audio inside and outside the vehicle 520 acquired using the camera 714 and microphone 712, current location information of the vehicle 520 detected by the GPS unit 716, and output from various sensors 717. Contains values etc. The drive information is input into the navigation device 700 via the video IZF708 and the audio IZF710.

 In addition, a display 709 and a camera 714 are connected to the video IZF708. Specifically, the image IZF708 is, for example, a graphic controller that performs predetermined processing with the display 709 or the camera 714, and VRAM (Video RAM) that temporarily records image information that can be displayed immediately. It consists of a buffer memory and a control IC that controls the display 709 based on the image data output from the graphic controller.

 In addition, a voice input microphone 712 and a voice output speaker 611 are connected to the voice IZF 710. Audio collected by microphone 712 is converted to AZD in audio IZF710. For example, the microphones 712 are installed near the sun noiser of the vehicle, and the number of the microphones 712 may be one or more. The speaker 711 outputs a sound obtained by DZA-converting a predetermined sound signal in the sound IZF710.

 [0084] Communication IZF715 includes, for example, FM tuners, VICS (Vehicle Information and Communication System) / Beacon Resino, etc., and acquires road traffic information such as traffic congestion and traffic regulations distributed from the VICS center. . VICS is a registered trademark.

 [0085] Further, the GPS unit 716 receives radio waves of GPS satellite power and outputs information on the position of the vehicle. The information output from the GPS unit 716 is used when the current position of the vehicle (navigation device 700) is calculated by the CPU 701 together with the output values from the various sensors 717. The information indicating the current location is information specifying one point on the map data, for example, latitude / longitude and altitude.

[0086] Various sensors 717 output information such as a vehicle speed sensor, an acceleration sensor, and an angular velocity sensor that can determine the position and behavior of the vehicle. The output values from the various sensors 717 are used to calculate the current location by the GPS unit 716 and to measure changes in speed and direction. I can. The navigation device 700 uses the output values from the various sensors 717 as data to be recorded by the drive recorder function.

 [0087] Although illustration and description are omitted, the navigation device 700 includes, in addition to the above-described configurations 70 1 to 717, playback of DVDs and CDs, reception of TV broadcasts, recording, connection to the Internet, and the like. It has a configuration that realizes various functions.

 [0088] Next, the operation procedure of the car insurance service using the network system 500 will be described. FIG. 8 is a flowchart (part 1) showing the operation procedure of the car insurance service using the network system 500. In Fig. 8, when a car insurance service contractor (indicated as "insurance policyholder" in Figure 8) encounters a traffic accident (step S811), the contractor who encounters the traffic accident notifies the traffic accident and The time drive information is submitted to the insurance company 510 (step S812). Submission of drive information to insurance company 510 may be done using V, deviation method, for example, communication using communication IZF715 or sending a recording medium that records drive information.

 [0089] The employee of the insurance company 510 authenticates whether the drive information submitted by the policyholder power is the drive information recorded by the navigation device 700 installed in the vehicle 520 of the policyholder ( Step S821). If the drive information submitted by the policyholder is also verified to be correct, the drive information at the time of the traffic accident reported from the drive information is used to identify the traffic accident encountered by the policyholder. Conduct accident assessments and negotiations (step S822).

 When authenticating the drive information, for example, the authentication information registered by the contractor at the time of purchasing the navigation device 700 or contracting the mobile insurance service is used. This authentication information may be, for example, information assigned by the manufacturer of the navigation device 700, or the serial number of the navigation device 700, as described in the above embodiment. ,.

[0091] Power not shown in FIG. 8 The contractor registers the navigation device 700 by notifying the authentication information prior to using the automobile insurance service using the network system 500. Shall. Registration of the navigation device 700 is performed when the navigation device 700 is purchased or when a mobile insurance service contract is made. [0092] The authentication information of the registered navigation device 700 is stored by the insurance company 510 and the policyholder. When operating the car insurance service, the policyholder submits the authentication information when submitting the drive information.

 Note that registration of the navigation device 700 is not limited to that performed by the contractor. On behalf of the contractor, for example, the insurance company 510, the system management company 530, the dealer of the navigation device 700, the distributor of the navigation device 700 to the vehicle 520, etc. may be registered.

 [0094] The insurance company 510 calculates an estimate of the insurance contract fee for the next year according to the results of the accident assessment and the negotiation (step S823). In the calculation, if the drive information submitted by the policyholder power can be reflected in the accident assessment, the rate of increase in the insurance contract rate for the next fiscal year can be applied by applying a video submission discount, etc. The contract can be renewed with an estimated amount lower than usual.

 [0095] The insurance company 510 presents the calculated estimate to the policyholder, and when the policyholder is satisfied with the contents of the quote, the insurance contract is updated with the presented contents (step S830). ). This does not apply if you are not satisfied with the contents of the quotes presented.

 When the automobile insurance service operated through the procedure shown in FIG. 8 is implemented, the system management company 530 collects the usage fee for the network system 500 from the insurance company 510. The usage fee to be collected may be collected at the time of delivery of the network system 500, or may be collected at regular intervals.

 By the way, the insurance contractor may have a contract of “Submit drive information at the time of an accident when a traffic accident occurs” at the time of contracting the automobile insurance service. In this case, when the policyholder notifies the insurance company 510 of a traffic accident, the insurance company 510 is required to send drive information to the policyholder. The contractor submits drive information upon request. In such an operation mode, it is possible to submit drive information from the contractor to the insurance company 510 without going through the work of the contractor through communication between the insurance company server 511 and the navigation device 700. Become.

[0098] The drive information may be authenticated by the system management company 530. this In this case, the authentication information described above is stored by the system management company 530 and the policyholder. When a policyholder encounters a traffic accident, the policyholder notifies the insurance company 510 of the traffic accident and submits drive information and authentication information to the system management company 530. The system management company 530 authenticates the submitted drive information, and submits the correctly authenticated drive information to the insurance company 510 according to the authentication result.

 When the drive information is authenticated by the system management company 530, the system management company 530 may collect a usage fee from the insurance company 510 according to the number of times the network system 500 is used. In this case, specifically, for example, the usage fee is collected according to the number of times of use of the network system 500 (the number of times of authentication at the system management company 530). When authentication of drive information is performed by communication between the insurance company server 511 and the management company server 531, charging may be performed based on the communication history (past log).

 [0100] As described above, according to Example 1, insurance company 510, when accurate information on traffic accidents is available, smoothly proceeds with traffic accident verification work and talk negotiations. It can be expected to reduce expenses such as labor costs that can be negotiated. In other words, even for policyholders who have applied automobile insurance services, the rate of increase in the insurance premium rate for the following year or less due to the application of automobile insurance services will be lower than usual for those who have provided valid drive information. It is possible to estimate.

 [0101] As a result, if an automobile insurance service contractor is able to provide accurate information on traffic accidents in the event of a traffic accident, the following year will be achieved by reducing the labor cost for negotiation negotiations. It is possible to make a contract with a cheaper premium that keeps the rate of increase in insurance contract premiums lower than the normal rate of increase when using mobile insurance services.

 Example 2

 [0102] Next, Example 2 of the insurance service support system 100 according to the second embodiment will be described. In Example 2, the mobile insurance service support system 100 according to the second embodiment described above was applied to a network system including a server connected to the Internet and a navigation device mounted on a vehicle. Is an example

The schematic configuration of the network system of the second embodiment is the same as that of the network described in the first embodiment. Since it is the same as the work system 500, it demonstrates using the same drawing. In the second embodiment, the same parts as those in the network system 500 described in the first embodiment are denoted by the same reference numerals, and the description thereof is omitted.

Force not shown The system management company server 531 managed by the system management company 530 has the same hardware configuration as the insurance company server 511 described above. On the recording medium such as a magnetic disk in the server 531 for the system management company, a database is constructed in which the above-described insurance contract information and the policyholder's drive information are recorded in association with each other.

 [0105] Further, a mobile insurance service support program is recorded on a recording medium such as a magnetic disk in the server 531 for the system management company. Here, the mobile insurance service support program recorded in the server 531 for the system management company is executed by the CPU in the server 531 for the system management company, and is owned by the contractor of the car insurance service and the contractor. The insurance contract information related to the vehicle 520 to be acquired is acquired, the drive information of the vehicle 520 recorded by the navigation device 700 registered as the contract object is acquired from the vehicle 520, and the acquired drive information is acquired as described above. This program is stored in the database in association with the insurance policy information.

 [0106] The mobile insurance service support program recorded in the system management company server 531 is specific information that identifies a traffic accident caused by the vehicle 520 by being executed by the CPU in the system management company server 531. This is a program that searches the drive information stored in the database for drive information that matches the received specific information and outputs the searched search results.

 Note that in the mobile insurance service support apparatus 320 shown in FIG. 3, the insurance contract information acquisition unit 321, the drive information acquisition unit 122, the storage unit 322, the specific information reception unit 323, the search unit 324, and the output unit 124 uses the programs and data recorded on the recording medium of server 531 for system management company, and the CPU in server 531 for system management company executes a predetermined program to control each part in server 531 for system management company The function is realized.

In other words, the server 531 for the system management company of the second embodiment is for the system management company. The functions provided in the mobile insurance service support apparatus 320 shown in FIG. 3 can be executed by the procedure shown in FIG. 4 by the mobile insurance service support program recorded in the recording medium in the server 531.

 The navigation device 700 communicates with the system management company server 531 and transmits drive information to the system management company server 531. The drive information may be sent at any time! /, When a certain amount of drive information is recorded on the magnetic disk 705, or from the system management company server 531. It can be done when there is a request to send! /.

 [0110] The system management company server 531 records the received drive information in the database. As a result, the system management company server 531 records the drive information of all policyholders regardless of the occurrence of traffic accidents. Note that the system management server 531 authenticates whether the received drive information is the drive information recorded by the navigation device 700 registered in advance! Try to record only drive information.

 Next, the operation procedure of the car insurance service according to the second embodiment will be described. FIG. 9 is a flowchart (part 2) illustrating the operation procedure of the car insurance service using the network system according to the second embodiment. In FIG. 9, the policyholder provides the drive information to the system management company 530 (step S911). When the policyholder encounters a traffic accident (step S912), the policyholder who encounters the traffic accident notifies the insurance company 510 of the traffic accident (step S913).

 [0112] The insurance company 510 requests drive information that matches the traffic accident notified from the policyholder to the system management company 530 (step S921). When requested, the drive information provided by the system management company 530 is used to conduct an accident assessment or negotiation of a traffic accident encountered by the policyholder (step S922).

[0113] After that, the insurance company 510 calculates an estimate of the insurance contract fee for the next fiscal year according to the results of the accident assessment and the negotiation (step S923) and presents the calculated estimate to the policyholder. When the contractor is satisfied with the contents of the quote, the policyholder updates the insurance contract with the presented contents (step S900). [0114] The system management company 530 authenticates whether or not the drive information provided by the policyholder power is the correct drive information (step S931), and records the drive information authenticated as correct in the database. (Step S932). If the insurance company 510 requests drive information, the corresponding drive information is searched from the database (step S933), and the searched drive information is provided to the insurance company 510 (step S934). .

 [0115] Thereafter, the system management company 530 calculates the consideration paid as an “information provision fee” to the policyholder who provided the drive information that meets the requirements from the insurance company 510 (step S935). The compensation is paid to the corresponding policyholder (indicated as “applicable person” in FIG. 9) (step S936). Consideration paid to the applicable person is based on a portion of the network system 500 usage fee collected from the insurance company 510!

 [0116] It should be noted that the persons to whom the information provision fee is paid are all policyholders who have provided drive information, regardless of their ability to provide drive information that meets the requirements of insurance company 510. Also good. In this case, for example, a part of the usage fee of the network system 500 collected from the insurance company 510 is distributed to all policyholders who have provided drive information.

 [0117] Further, the person to whom the information provision fee is paid may be determined according to the contract result of the next year of the car insurance service. In this case, for example, the system management company 530 obtains the insurance contract information for the next year at the insurance company 510, and “the policyholder who provided the drive information and contracted the car insurance service for the next year. "Is the person to whom the information provision fee is paid. Furthermore, based on the search history of system management company 530, etc., among the policyholders who provided drive information that met the requirements of insurance company 510, the policyholders who signed the auto insurance service for the next year were selected. It is also possible to be a person who is eligible for payment of the information provision fee.

[0118] As described above, according to Example 2, when accurate information about traffic accidents is obtained, insurance company 510 smoothly proceeds with verification work and negotiations for traffic accidents. It can be expected to reduce expenses such as labor costs that can be negotiated. In other words, even for policyholders who have applied automobile insurance services, the policyholders who have provided valid drive information will see the rate of increase in insurance contract fees from the following year due to the application of mobile insurance services. It is possible to estimate lower than usual.

 [0119] As a result, contractors of mobile insurance services should be able to provide accurate information on traffic accidents in the event of a traffic accident. It is possible to expect a contract with a cheaper insurance contract fee, with the rate of increase in subsequent insurance contract fees being lower than the normal rate of increase when using mobile insurance services.

 [0120] Further, according to the second embodiment, by storing the drive information of the vehicle 520 regardless of whether or not a traffic accident has occurred, the stored drive information is stored in the traffic accident that the contractor himself has encountered. It can be used for verification of traffic accidents that occurred around the contractor.

 [0121] In other words, the insurance company 510 can more easily obtain accurate information on traffic accidents, and by using the drive information, the traffic accident verification work and talk negotiations can be carried out smoothly, and the talk negotiations can be facilitated. We can expect further reduction in expenses such as labor costs. As a result, the insurance company 510 can provide a cheap car insurance service that anticipates cost reductions, and can expect an increase in the number of subscribers to the car insurance service.

[0122] The system management company 530 makes it easier for the insurance company 510 to collect more drive information by providing a cheap car insurance service. As a result, the number of requests for drive information from the insurance company 510 increases, and an increase in usage fees collected from the insurance company 510 can be expected.

 [0123] In addition, the system management company 530 can easily collect more drive information by paying a reasonable price to the contractor who provided the drive information effective for the verification work of the traffic accident. can do. This also increases the number of requests for drive information from the insurance company 510, and can be expected to increase usage fees collected from the insurance company 510.

 [0124] Policyholders can expect to reduce the overall cost of insurance contracts by providing benefits such as low-cost car insurance services provided by insurance company 510 and compensation for providing drive information. .

In the first and second embodiments described above, the example in which the drive information is recorded by the navigation device 700 having the drive recorder function has been described, but the present invention is not limited to this! /. By a drive recorder provided separately from the navigation device Drive information may be recorded. Although illustration and description are omitted, in this case, the drive recorder has a photographing function for photographing images inside and outside the vehicle 520 such as a camera, a recording function for recording the photographed images, and a time counting function for measuring time. For example, it is attached to the back side of a room mirror.

[0126] As described above, according to the mobile insurance service support method, mobile insurance service support program, recording medium, and mobile insurance service support device, accurate information regarding traffic accidents can be easily obtained. Therefore, traffic accident verification work and talk negotiations can be carried out smoothly.

 Note that the mobile insurance service support method described in the present embodiment can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. This program is recorded on a computer-readable recording medium such as a hard disk, a flexible disk, a CD-ROM, an MO, or a DVD, and is executed by being read by the computer. The program may be a transmission medium that can be distributed through a network such as the Internet.

Claims

The scope of the claims  [1] Of the drive information of the mobile unit owned by the contractor of the mobile insurance service recorded by the drive recorder registered as the contract object of the mobile unit insurance service, the drive information related to the traffic accident of the mobile unit described above When the mobile insurance service is acquired, the acquired drive information is used for calculating the insurance contract fee of the mobile insurance service.  [2] A specific information acquisition process for acquiring specific information for identifying a traffic accident caused by a mobile object owned by a contractor of the mobile insurance service;  A drive information acquisition step of acquiring drive information of the mobile unit recorded by a drive recorder registered as a contract object of the mobile unit insurance service when the specific information is acquired by the specific information acquisition step;  A search step for searching for drive information that matches the specific information acquired by the specific information acquisition step from the drive information acquired by the drive information acquisition step;  An output step of outputting a search result searched by the search step;  A mobile insurance service support method comprising: [3] An insurance contract information acquisition process for acquiring insurance contract information on a mobile insurance service contractor and a mobile unit owned by the contractor;  A drive information acquisition step of acquiring drive information of the mobile unit recorded by a drive recorder registered as a contract object of the mobile unit insurance service;  Storing the drive information acquired by the drive information acquisition step in a database in association with the insurance contract information acquired by the insurance contract information acquisition step;  A search step of searching for drive information that matches the specific information from the drive information stored by the storage process when specific information specifying a traffic accident by the mobile body is received;  An output step of outputting a search result searched by the search step; A mobile insurance service support method comprising: [4] A mobile insurance service support program that causes a computer to execute the mobile insurance service support method according to any one of claims 1 to 3.  [5] A recording medium in which the mobile insurance service support program according to claim 4 is recorded.  [6] A specific information acquisition means for acquiring specific information for identifying a traffic accident caused by a mobile object owned by a contractor of the mobile insurance service;  Drive information acquisition means for acquiring drive information of the mobile unit recorded by the drive recorder registered as a contract object of the mobile unit insurance service when specific information is acquired by the specific information acquisition unit;  Search means for searching for drive information that matches the specific information acquired by the specific information acquisition means from among the drive information acquired by the drive information acquisition means;  Output means for outputting a search result searched by the search means;  A mobile insurance service support apparatus comprising: [7] An insurance contract information acquisition means for acquiring policy information on a mobile insurance service contractor and mobile contracts owned by the contractor;  Drive information acquisition means for acquiring drive information of the mobile unit recorded by a drive recorder registered as a contract object of the mobile unit insurance service;  Storage means for storing the drive information acquired by the drive information acquisition means in a database in association with the insurance contract information acquired by the insurance contract information acquisition means;  A search means for searching for drive information matching the specific information from the drive information stored by the storage means when receiving specific information specifying a traffic accident by the moving body;  A mobile insurance service support apparatus comprising: