JP2002183456A - Operation evaluating device and insurance evaluation method using it - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a means capable of rationally deciding a premium of an automobile insurance according to the degree of safety driving of an insurant. SOLUTION: A computing part 10 computes a traveling distance at every fixed time from position information obtained from a position information obtaining part 4, map information and traffic control information obtained from a map information and traffic control information obtaining part 5, and traveling condition information obtained from a traveling condition information obtaining part 7 by means of respective sensors and updates total driving distance data in a storage part 11. From these pieces of information, the computing part 10 collates the degree of compliance with traffic laws and safety driving with a previously decided safety driving determination reference and computes an operation evaluation result to store it in the storage part 11. An insurance company or an agent analyzes this record to reflect it on a premium rate of the next contract.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a driving evaluation device having a function of evaluating the degree of safe driving of a driver based on a car navigation device, and an insurance evaluation method using the same.

[0002]

2. Description of the Related Art Conventionally, automobile insurance premiums are determined by the driver's age, gender, driving award history, violation history, accident history,
The basic amount is determined based on personal conditions such as vehicle type and driver limitation and vehicle conditions, taking into account the accident history up to that point, if there is no accident, gradually lower the rate, if an accident occurs The method of raising the rate was adopted.

[0003]

However, the conventional method of determining insurance premiums is only a post-mortem confirmation of the result, and whether a customer is driving safely or not, no accident has occurred, but a serious accident has occurred. There is an increasing demand that it is necessary to determine whether or not the driver is driving in a manner that may cause a possibility, and to determine a reasonable insurance premium.

An object of the present invention is to provide a driving evaluation apparatus for determining a reasonable insurance premium in response to such a request, and an insurance evaluation method using the same.

[0005]

According to a first aspect of the present invention, there is provided a driving evaluation apparatus for solving the above-mentioned problems.
A position information acquisition section for acquiring position information by PS, a map information and traffic regulation information acquisition section for acquiring map information and traffic regulation information, and a traveling state information for acquiring traveling state information of the own vehicle by various sensors mounted on the vehicle. An acquisition unit, an operation unit, and a storage unit that stores an operation result of the operation unit,
The arithmetic unit is configured to determine in advance the degree of compliance with traffic regulations and driving conditions based on information obtained from the position information acquisition unit, the map information and traffic regulation information acquisition unit, and the driving state information acquisition unit. The method is characterized in that a calculation is performed by comparing with a driving determination criterion, a driving evaluation result is calculated and recorded in the storage unit.

This driving evaluation apparatus can calculate a driving evaluation result by collating a driver's degree of compliance with traffic regulations and driving conditions with a predetermined safe driving judgment criterion, and record the driving evaluation result in a storage unit. Since it is possible, the rate of the automobile insurance can be calculated based on the recorded contents of the storage unit.

[0007] The driving evaluation device further includes a communication unit that performs wireless communication, and can transmit data in the storage unit by wireless communication, thereby transmitting the data to a remote place.

[0008] The driving evaluation device may be configured such that the recorded contents of the storage unit are protected by encryption or a password. The recorded contents are protected by this additional configuration, and can be decrypted by others or the insured. There is an effect that is not done.

[0009] The driving evaluation device can also lock or seal the storage unit so that the storage unit cannot be removed by the insured.

Further, the driving evaluation device may be configured so that the vehicle cannot run unless the code stored in the storage unit matches the encryption key.

[0011] With these additional configurations, it is possible to prevent the illegal operation by removing the storage unit.

According to a sixth aspect of the present invention, there is provided an insurance evaluation method which basically acquires position information by GPS, acquires map information and traffic regulation information, etc. Obtain traveling state information, obtain time information, and determine in advance the degree of compliance with traffic regulations and driving conditions based on the position information, the map information and traffic regulation information, the traveling state information and the time information. The operation is evaluated by comparing the data with the safe driving determination reference data, and the driving evaluation result is calculated and recorded in a storage medium, and the rate of automobile insurance is calculated based on the recorded data.

According to a seventh aspect of the present invention, in the insurance evaluation method of the sixth aspect, the initial contract rate is determined based on personal conditions of the insured and vehicle conditions.
The driving evaluation device according to any one of claims 1 to 5 is attached to the contract vehicle, and the insurance premium rate at the next time or after a predetermined period is reflected by the data recorded in the storage unit of the driving evaluation device when the insured car runs. Features.

According to the insurance evaluation method described above, in the insurance evaluation method described above, the data recorded in the storage medium can be obtained by wireless communication.

In these insurance evaluation methods, the above-mentioned driving evaluation device is used to calculate the automobile insurance rate based on the data recorded in the storage medium, so that the degree of safe driving can be objectively evaluated. It is possible to determine highly accurate insurance premiums, and to reduce the rate for safe drivers, to increase the benefits of insurance coverage, thereby encouraging safe driving and preventing accidents.

[0016]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of a driving evaluation apparatus according to the present invention and an insurance evaluation method using the same. FIG. 1 is a block diagram illustrating a configuration of the driving evaluation device of the present embodiment, and FIG. 2 is a conceptual diagram illustrating an operation state of the driving evaluation device of the present embodiment.

In FIG. 1, a driving evaluation device 1 includes a GPS antenna 2 for receiving radio waves from satellites of a global positioning satellite (hereinafter referred to as GPS) system, and an FM antenna 3 for receiving a D-GPS signal from an FM broadcasting station. G as a signal
A position information acquisition unit 4 for acquiring position information from a PS and a D-GPS signal, a CD-ROM, a DVD-
A map information / traffic regulation information acquisition unit 5 for acquiring map information / traffic regulation information obtained from a storage medium such as a ROM, a semiconductor memory, or a hard disk is provided.

Further, an additional information acquisition unit 6 for acquiring additional information such as road congestion information such as VICS and weather information by an FM broadcast station or an optical beacon, a gyro, inclination, acceleration, engine speed, axle speed, and the like. A traveling state information acquisition unit 7 that acquires traveling state information such as speed, acceleration, traveling distance, sudden braking, sudden starting, and the like by an in-vehicle sensor to be detected, maps, buildings, signs, and the like in front of and around the traveling vehicle. And a clock unit 9 for obtaining time information. These are conventional techniques usually provided in a so-called car navigation device, and are not the subject of the present invention, so that the details are omitted.

In this embodiment, in addition to these, the driving situation is calculated based on the information obtained from each of the above-described parts in accordance with traffic regulations and other predetermined criteria, and storage means (not shown), storage An arithmetic unit 10 for calculating a driving evaluation result by collating with predetermined safe driving criterion data recorded on a recording medium such as a CD-ROM, a DVD-ROM or the like on which map information and traffic regulation information are recorded; A storage unit 11 for recording the result of the calculation, and a communication unit 12 for exchanging data with the insurance company or the agent thereof, if necessary.

The storage unit 11 preferably uses a semiconductor storage element such as a flash memory, for example, is inserted into a slot or the like provided in a part of the operation evaluation device 1, and is provided with a cover to prevent removal by an insured person. Take care to seal from above and lock the cover.

Also, the recorded contents may be decrypted by a third party due to theft or the like, or the recorded contents may be encrypted in order to prevent decryption by the insured person, or the recorded contents may not be decrypted by a password known only to the insurance company. Protect. This method is particularly important when communicating using the communication unit 12 described later.

Alternatively, if there is no match between the code recorded in the storage unit 11 and the driving evaluation device 1, the driving evaluation device 1 and the ignition system are wired so as not to be determined as the proper storage unit 11 so that the vehicle cannot travel. May be.

The communication unit 12 is, for example, a mobile phone or a PHS
It has a data transmission and reception function by wireless communication such as
Communication with the insurance company or its agent is made possible, and the insurance company or agent can read the data in the storage unit 11 at any time. It is optional to have this feature. Also, the insurance company or agent can transmit a message to the insured person and display it on the display unit 8. When having these functions, the storage unit 11 does not necessarily need to be removed. The communication unit 12 is usually a CD-RO
Map information and traffic regulation information obtained from recording media such as M and DVD-ROM can also be obtained by communication.

The operation of such a configuration will be described below. The driving evaluation device 1 is loaded on the automobile 13,
Basically, radio waves from a plurality of GPSs 14-1 to 14-n are received, and the position information obtaining unit 4 obtains position information of the own vehicle. On the other hand, the map information / traffic regulation information acquisition section 5 acquires map information around the position from the acquired position information and displays it on the display section 8. If necessary, the position information acquisition unit 4 obtains D-GPS information from the FM station 15 transmitting the D-GPS information using the FM antenna 3, and further enhances the position information system. On the other hand, the traveling state information acquiring section 7 acquires traveling state information from the above various in-vehicle sensors, and interpolates the positional information accuracy of the position information acquiring section 4. These are normal car navigation operations.

As an operation unique to the present embodiment, the traveling state information acquiring section 7 first acquires a traveling distance and a traveling speed from the data of the above-mentioned sensors and inputs them to the arithmetic section 10. The calculation unit 10 updates the value of the total traveling distance data since the setting of the storage unit 11 at regular intervals. At the same time, the total traveling distance and the current speed may be displayed on the display unit 8 if necessary. On the other hand, the map information / traffic regulation information acquisition unit 5 reads traffic regulation information from a CD-ROM, DVD-ROM, or other recording medium storing data. That is, the speed limit, the U-turn prohibition, and the entry prohibition of the currently traveling road portion are read. It is assumed that these data are recorded in a recording medium in advance.

If the currently running road is prohibited from entering, the arithmetic unit 10 violates the traffic regulation, so that the storage unit 11 records this fact as one entry prohibition in the storage unit 11. The data of the traveling speed is compared with the speed limit of the currently passing road. If the speed is within the limit, the speed limit is recorded. . In this case, instead of simply recording, a coefficient of the degree of excess with respect to the speed limit and a numerical value obtained by multiplying the coefficient are also recorded. The degree of excess may be a ratio or a number of kilo-overs, but it is reasonable that the coefficient is higher as the degree of excess is larger.

In consideration of a temporary increase in speed due to overtaking or the like, a measure may be taken such that overtime within a certain time within a certain excess rate is ignored. In addition, if the driver exceeds the speed limit and notices a slowdown, and if the driver ignores the excess and continues to drive at a high speed, the speed limit once exceeds the limit for a long time. The process of increasing the factor of should also be troubled. For example, the coefficient is 1.5 when running 72 km for 1 minute at a speed limit of 60 km, and the coefficient is 2. when running 10 minutes under the same conditions.
7. If the speed limit is 100 km and the speed is 130 km for 10 minutes, the coefficient is changed to 3.8.

The additional information acquisition unit 6 obtains weather information of the local area and temporary speed limit information due to the weather in addition to traffic congestion information from the FM station 16 or the optical beacon 17 transmitting the VICS information, and obtains map information and information. The speed limit information of the traffic regulation information acquisition unit 5 is corrected.

The sudden start / sudden brake is detected based on the acceleration information in the longitudinal direction of the traveling state information acquisition unit 7 and the calculation unit 10
Indicates a sudden start once for acceleration / deceleration above a certain level.
A point is determined in the storage unit 11 such as one point of rapid braking, and a coefficient is determined according to the degree, and a value obtained by multiplying the coefficient by the coefficient is also recorded.

The sudden steering wheel is detected based on the acceleration information in the left and right direction of the traveling state information acquiring unit 7, and the arithmetic unit 10 records the acceleration exceeding a certain value in the storage unit 11 such as one sharp steering wheel one point. A coefficient is determined according to the degree, and a value obtained by multiplying the coefficient by the coefficient is also recorded.

The arithmetic unit 10 also receives, from the map information / traffic regulation information acquiring unit 5, information as to whether or not the vehicle is passing on an expressway, and stores the total travel distance of the expressway.
At the highway speed during the mileage,
Be prepared in case it is reflected in the rate.

The safety driving standards are calculated by taking into account the so-called rough driving, such as sudden starting, sudden braking, and sudden steering, in addition to the speed limit and no-going traffic stipulated by traffic regulations. The standard is determined in the form of

Next, a description will be given of the conclusion of an insurance contract using this driving evaluation device and the transition of the insurance rate.

(1) First, an insurance contract is concluded. At this time, the insurance premium is calculated by the conventional evaluation method, and the next or predetermined measurement period is provided, and thereafter, the insurance premium rate reflecting the evaluation result by the driving evaluation device is shifted.

(2) A driving evaluation device is attached to the contract vehicle. Thus, it is necessary to use a CD-ROM or a DVD-ROM that contains traffic regulation information for insurance evaluation and safe driving judgment reference data in addition to ordinary car navigation information. Unused storage media cannot be used. Since this driving evaluation device also has the function of a normal car navigation device, the insured person may pay this usage fee by a method such as leasing.

(3) The insured person drives the car, and the driving evaluation result is recorded in the storage unit 11, and the evaluation result may be displayed on the display unit 8 if necessary.

(4) At a predetermined time, the insurance company or its agent confirms whether there is any fraud by the insured person, such as a broken seal, and collects the storage unit 11.

Instead of collecting the storage unit 11, the insurance company or its agent can acquire the data in the storage unit 11 via the communication unit 12 of the driving evaluation device 1 by communication means such as a mobile phone or a PHS. it can.

(5) The insurance company or the agent has the storage unit 1
Analyze the recorded contents of 1. A dedicated mobile terminal may be prepared for analyzing the collected storage unit 11. First, check the total mileage during the period. The big mileage is
This also increases the probability of accidents, so this is also a factor in determining insurance premiums. However, there is a possibility that the amount is too small or the driving skill is reduced, and an extremely small amount may be used as a material for raising the rate.

Next, in comparison with the total mileage, the content and number of traffic regulation violations recorded in the storage unit, a coefficient multiplied by the coefficient, and a numerical value obtained by multiplying the coefficient by the coefficient, and the driving conditions such as sudden braking, sudden starting, and sudden steering. The degree of safe driving of the insured is determined in consideration of the record, the coefficient multiplied by the coefficient, the traffic distance on the expressway, and the like, and this is used as data for calculating the rate of automobile insurance. This is combined with the conventional calculation criteria of the driver's age, gender, driving award history, violation history, accident history, vehicle type, driver limitation, etc. to determine the next insurance premium rate comprehensively.

As described above, in the present embodiment, the degree of compliance with traffic regulations, the degree of general driving, and the like are measured numerically, collated with predetermined safety driving criteria, and recorded. The company uses this record as data for determining insurance premiums, so it is possible to objectively evaluate the degree of safe driving, determine more accurate insurance premiums, and insure safe drivers by lowering their rates. It can enhance the benefits of driving and encourage safe driving and prevent accidents.

When the insurance company or agent can communicate with the communication unit 12 of the driving evaluation device, the insurance company or agent can refer to the contents of the storage unit 11 at any time to analyze and comment on the driving status of the insured. The contents of the comment can be displayed on the display unit 8, and can be loudspeaked by a speaker or the like (not shown). In this way, by giving advice on what aspects of the insured person's driving should be improved, it is possible to educate them to aim for safer driving and reduce the number of accidents.

In this embodiment, since the subject is to judge the degree of safe driving of the driver from various kinds of operation data and to determine the automobile insurance rate based on the data, the above-mentioned driving method is exemplified. The configuration of the evaluation device is an example, and it goes without saying that detection means, detection contents, calculation methods, and the like for confirming the degree of safe driving of the driver can be arbitrarily added or changed. *

For example, the travel distance is calculated from data from a sensor provided in the own vehicle. The position of the own vehicle at regular time intervals is obtained from the position information acquisition unit, and a movement vector from the previous position is obtained. The integration may be performed, and the speed may be obtained by the movement amount per unit time.

Elements other than the above may be used for the judgment. For example, whether the engine speed has become unnecessarily high, whether the vehicle is running at a low speed regardless of the speed limit in a residential area, whether the vehicle has been stopped once, and whether to drive during late-night hours If there is a large number of seats, and if there is a weight sensor in the seat, whether or not a person other than the designated person is not driving can be detected, and the data can be targeted.

When the insured person does not need a general car navigation function, or when the insured person already has a car navigation device, the display unit may be omitted as the driving evaluation device. Since the multi-function is not required, the apparatus can be simply and inexpensively manufactured.

[0047]

As described above, in the driving evaluation apparatus according to the present invention, the calculation unit is based on the information obtained from the position information acquisition unit, the map information and traffic regulation information acquisition unit, and the driving state information acquisition unit. The driver's compliance with traffic regulations and the driving situation can be collated with predetermined safe driving criteria to calculate and calculate the driving evaluation result, which can be recorded in the storage unit. Rationally calculate the car insurance rate based on the

This driving evaluation device sends data to a remote place when the recorded contents of the storage unit can be retrieved by wireless communication means, rationally calculates the automobile insurance rate, and checks the driving status of the insured. can do.

When the recorded contents of the storage unit are protected by encryption or a password, the recorded contents are protected and cannot be decrypted by others or the insured.

If the storage unit is locked or sealed so that it cannot be removed by the insured person, or if the vehicle is not allowed to run unless the code recorded in the storage unit matches the main unit, the storage unit may be used. The effect is that it is not possible to carry out wrongdoing by overtaking.

Further, the insurance evaluation method of the present invention uses the driving evaluation device to determine the driving condition based on the position information, the map information and the traffic regulation information, the driving condition information and the time information, and the degree of compliance with traffic regulations and the driving condition. And the like are collated with predetermined safe driving determination reference data to perform an operation, calculate a driving evaluation result, and calculate an automobile insurance rate based on data recorded in a storage medium.

Therefore, the degree of safe driving can be objectively evaluated, a more accurate insurance premium can be determined, and the benefits of insurance coverage can be improved for safe drivers by lowering the rate, encouraging safe driving and promoting accidents. An advantageous effect is obtained that can be linked to prevention.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a driving evaluation device according to an embodiment of the present invention.

FIG. 2 is a conceptual diagram showing an operation state of the driving evaluation device.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Driving evaluation apparatus 2 GPS antenna 3 FM antenna 4 Position information acquisition part 5 Map information / traffic regulation information acquisition part 6 Additional information acquisition part 7 Running state information acquisition part 8 Display part 9 Clock part 10 Operation part 11 Storage part 12 Communication part

Claims (8)

[Claims] 1. A location information acquisition unit for acquiring location information by GPS, a map information and traffic regulation information acquisition unit for acquiring map information and traffic regulation information, and the like, and traveling of the vehicle by various on-vehicle sensors. A driving state information acquisition unit that acquires state information; a calculation unit; and a storage unit that stores a calculation result of the calculation unit. The calculation unit includes the position information acquisition unit, the map information, and the traffic regulation information acquisition unit. Based on the information obtained from the driving state information acquisition unit, the degree of compliance with traffic laws and driving conditions are compared with a predetermined safe driving determination criterion to calculate and calculate a driving evaluation result, and the storage is performed. Driving evaluation device characterized by recording in a section. 2. The driving evaluation device according to claim 1, further comprising a communication unit that performs wireless communication, wherein the data in the storage unit can be transmitted by wireless communication. 3. The driving evaluation device according to claim 1, wherein the storage content of the storage unit is protected by encryption or a password. 4. The storage unit according to claim 1, wherein the storage unit is locked or sealed so that the storage unit cannot be removed by an insured person.
The driving evaluation device according to any one of the above. 5. The driving evaluation device according to claim 1, wherein the vehicle cannot travel unless the code stored in the storage unit matches the code of the main body. 6. Basically acquiring position information by GPS, acquiring map information and traffic regulation information, acquiring traveling state information of the own vehicle by various on-vehicle sensors, acquiring time information, Based on the information, the map information and the traffic regulation information, the driving state information and the time information, the degree of compliance with traffic regulations and the driving situation are collated with predetermined safe driving judgment reference data to calculate and perform the driving evaluation result. And recording it in a storage medium, and calculating an automobile insurance rate based on the recorded data. 7. The first contract fee rate is determined based on personal conditions of the insured person and vehicle conditions.
The driving evaluation device described above is attached, and the insurance premium rate at the next time or after a predetermined period is reflected by data recorded in a storage unit of the driving evaluation device by driving of the insured person's car. Insurance valuation method. 8. The insurance evaluation method according to claim 6, wherein the data in the storage medium is obtained by wireless communication.