KR20020045186A - System and method for managing a insurance event of a vehicle using the cable/radio communications network - Google Patents

Abstract

The present invention relates to a vehicle insurance event management system using a wired / wireless communication network and a vehicle insurance event management method using the same. In the present invention, the operation status of individual vehicles having an insurance contract is determined by a GPS satellite network, a PSTN network, and an Internet network. Based on wired / wireless communication network, it is managed systematically by interlocking action of vehicle management terminal, insurance event management server, D / B management server and communication server.

When the present invention is achieved, the insurance company can accurately reflect the inherent characteristics of the individual vehicle possessed by the driver, for example, the travel time, the mileage, the driving position, and the like, in the calculation of the insurance rate. In this case, the driver can easily obtain the effect of the so-called pay-as-you-go system, in which the overall insurance premium calculation corresponds to the driving characteristics of the driver.

As described above, when the driving conditions of individual vehicles are systematically managed based on the above-described wired / wireless communication network, drivers, insurance companies, etc., which are parties to insurance contracts, have an accident, vehicle theft, vehicle breakdown, etc. even after a vehicle insurance contract. You can easily obtain the benefits of making it easier to deal with many of the problems.

Description

System and method for managing a insurance event of a vehicle using the cable / radio communications network}

The present invention relates to a vehicle insurance event management system using a wired / wireless communication network such as a satellite network or an internet network. Furthermore, the present invention relates to a vehicle insurance event management method using such a vehicle insurance event management system.

In recent years, as the number of vehicles has soared, various kinds of accidents and accidents have soared, and in accordance with the surge in such cases and accidents, various types of vehicle insurance have been developed.

In general, most drivers are in charge of unexpected accidents and accidents by selectively subscribing to a vehicle insurance that is appropriate for them.

Such a vehicle insurance subscription process has traditionally been performed by an off-line contract between a driver and an insurance company. However, in recent years, as Internet technology is rapidly spreading, a contract between a driver and an insurance company is online. Various kinds of vehicle insurance-related websites that can be implemented on n-line are rapidly being created based on the internet environment.

For example, Korean Patent Publication No. 2000-36572 "Car Financial Loan and Insurance Subscription Service Method", Korean Patent Publication No. 2000-36505 "Real-time premium comparison and contract service method using the Internet", Korean Patent Publication No. 2000-24171 "Internet car insurance premium calculation and subscription system" and the like are described in detail as an example of a vehicle insurance related website according to the prior art.

However, since the vehicle insurance related websites according to the related art only play a role in relaying insurance contracts to an unspecified number of drivers, the driver and insurance companies using the vehicle insurance contract only use a vehicle insurance contract. You can't benefit from anything other than being able to go online.

For example, if any driver uses conventional vehicle insurance related websites, the driver cannot efficiently manage the vehicle premium after the vehicle insurance contract. In this case, the driver has no choice but to pay the vehicle premium according to the insurance rate arbitrarily determined by the insurance company in the state in which the inherent characteristics of the vehicle possessed are not reflected in the calculation of the insurance rate.

In addition, when any driver or insurance company enters into a contract using a website related to a vehicle insurance, the driver or insurance company may experience various problems such as an accident, a vehicle theft, and a vehicle breakdown after the vehicle insurance contract. Even if you do not enjoy any service that can minimize the damage. In this case, the driver and the insurance companies are unavoidably forced to directly contact each other in the state of excluding a vehicle insurance related web site, and bear the inconvenience of overcoming the above problems.

Accordingly, an object of the present invention is that after a series of vehicle insurance contracts, the operation status of individual vehicles is GPS (GPS: Global Positioning System) (hereinafter referred to as "GPS") satellite network, public switched telephone network (PSTN) network, Internet network, etc. Based on this wired / wireless communication network, it is managed systematically, and based on this, the unique characteristics of individual vehicles owned by the driver, such as driving time, mileage, and driving position, can be accurately reflected in the insurance rate calculation. In other words, the overall insurance premium calculation is based on the so-called pay-as-you-go system that meets the driving characteristics of the driver.

Another object of the present invention is to allow the operation of individual vehicles to be systematically managed based on the above-described wired / wireless communication network, so that a driver, an insurance company, etc., which are parties to an insurance contract, have an accident, vehicle theft, It is to induce easier to handle various problems such as vehicle failure.

Still other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

1 is a block diagram conceptually illustrating a vehicle insurance event management system according to the present invention;

2 is a flowchart sequentially showing a vehicle insurance event management method according to an embodiment of the present invention.

3 to 5 are flowcharts sequentially showing a vehicle insurance event management method according to another embodiment of the present invention.

In order to achieve the above object, the present invention provides a vehicle insurance event using a wired / wireless communication network including a combination of a vehicle management terminal, a base station antenna, an insurance event management server, a D / B management server, and a communication server. Initiate a management system.

In this case, the vehicle management terminal mentioned above acquires and manages a series of vehicle driving information related to the driving situation of the vehicle by exchanging signals with GPS satellites, for example, in a state in which a series of insurance contracts are embedded. The base station antenna serves to remotely receive vehicle driving information transmitted from the vehicle management terminal.

In addition, the insurance event management server performs a series of vehicle insurance event management process based on the vehicle driving information output from the base station antenna, the D / B management server is a driver information management database (D / B "Data Base" (hereinafter referred to as "D / B"), Insurer Information Management D / B, Vehicle Operation Information Management D / B, Insurance Information Management D / B, Incident Processing Organization Information Management D / B, Accident Information Management D With a series of communication relationships with / B, a series of driver information, insurance company information, vehicle operation information, insurance information, incident handling agency information, accident information, and the like are extracted from these D / Bs. By delivering to the event management server, it plays a role of assisting the vehicle insurance event management process by the insurance event management server more smoothly.

At this time, the communication server mentioned above is a series of vehicle insurance by the above-described insurance event management server in the state of interfacing with any insurance company server, case processing agency server via a communication network, for example, PSTN network, Internet network, etc. When the event management process is progressed, the event result is transmitted to the server of the insurance company and the server of the event processing agency, so that a series of insurance management processes for vehicles with an insurance contract can be performed more quickly. Do this.

In the case of the present invention, the operating conditions of the individual vehicles with insurance contracts are based on wired / wireless communication networks such as GPS satellite network, PSTN network, Internet network, vehicle management terminal, insurance event management server, D / B management server, Since the present invention is achieved, the insurer can calculate the insurance rate by calculating the inherent characteristics of the individual vehicle possessed by the driver, for example, the travel time, the mileage, the driving position, and the like. It is possible to accurately reflect, and consequently, when the present invention is achieved, the driver can easily obtain the effect of the so-called pay-as-you-go method in which the overall insurance premium calculation corresponds to his driving characteristics.

As described above, when the driving conditions of individual vehicles are systematically managed based on the above-described wired / wireless communication network, drivers, insurance companies, etc., which are parties to insurance contracts, have an accident, vehicle theft, vehicle breakdown, etc. even after a vehicle insurance contract. You can easily obtain the benefits of making it easier to deal with many of the problems.

Hereinafter, a vehicle insurance event management system using a wired / wireless communication network and a vehicle insurance event management method using the same will be described in detail with reference to the accompanying drawings.

As shown in FIG. 1, a vehicle insurance event management system using a wired / wireless communication network according to the present invention is largely comprised of a vehicle management terminal 100 embedded in any individual vehicle 1 to which an insurance contract is concluded. A base station antenna 200 for remote communication with the vehicle management terminal 100 and a server system 300 for exchanging information with the vehicle management terminal 100 via the base station antenna 200 are combined.

At this time, the vehicle management terminal 100 plays a role of acquiring and managing a series of vehicle driving information related to the driving situation of the individual vehicle 1 by exchanging signals with the GPS satellites 2 as shown in the figure. .

Here, the vehicle management terminal 100 is composed of a combination of the satellite signal transmission and reception unit 102, the control unit 101, the memory unit 103, the message transmission and reception unit 104, in this case, the satellite signal transmission / reception The receiver 102 serves to achieve a direct signal exchange with the GPS satellite 1 described above, and the controller 101 converts the satellite signal output from the satellite signal transmitter / receiver 102 into a series of vehicle driving information. To manage. In addition, the memory unit 103 serves to store the vehicle driving information converted by the control unit 101 for a predetermined period, and the message transmission / reception unit 104 controls the memory unit 103 under the control of the control unit 101. ) Remotely transmits the vehicle driving information stored in FIG. 2) to the base station antenna 200 or remotely receives a series of insurance event management messages transmitted from the base station antenna 200 and transmits the same to the control unit 101.

At this time, as shown in the figure, the vehicle management terminal 100, the vehicle diagnostic unit 105, the vehicle control unit 106, the driver input unit 107, etc. are further disposed, in this case, the vehicle diagnostic unit 105 Serves to remotely diagnose a malfunction of the vehicle 1 and report the diagnosis result to the controller 101, and the vehicle controller 106 controls the vehicle 1 according to the control of the controller 101. Function to remotely control the function, the driver input unit 107 is an intermediary between the driver and the control unit 101, to assist the driver to freely adjust some of the control situation of the control unit 101 according to his or her intention It plays a role.

Here, the intelligent speed adaptation module (not shown) is further disposed in the vehicle control unit 106. The intelligent speed limit sensitive module intelligently checks the driving speed of the vehicle 1 and drives the vehicle 1 by outputting a series of alarm sounds when the vehicle 1 runs at a speed higher than the reference speed. The driver's surroundings can be continuously ventilated by this alarm sound. At this time, if the driver ignores the alarm sound and further increases the speed of the vehicle 1, the intelligent speed limit response module greatly increases the loudness of the alarm sound and makes the vehicle 1 be driven by the driver. By automatically braking irrespective of this, the vehicle 1 is prevented from running at a speed higher than the limit speed in advance due to excessive driving of the driver.

On the other hand, as shown in the figure, the server system 300 for exchanging information with the vehicle management terminal 100 via the base station antenna 200, the D / B block 360, D / B management server 330 ), Insurance event management server 320, communication server 350 and the like.

In this case, the D / B block 360 includes a driver information management D / B 361 storing a series of driver information, an insurance company information management D / B 362 storing a series of insurance company information, and a series of vehicle driving information. Vehicle operation information management D / B 363 stored therein, insurance information management D / B 364 stored series of insurance information, accident handling agency information management D / B 365 stored series of accident handling agency information, serial Incident information management D / B (366) and the like stored in the accident information is provided.

At this time, the above-described D / B management server 330 is the required area of the D / B block 360, the driver information, insurance company information, vehicle operation information, insurance information, accident handling agency information, accident information, For example, driver information management D / B 361, insurance company information management D / B 362, vehicle driving information management D / B 363, insurance information management D / B 364, accident handling agency information management D / B (365), accident information management D / B (366) and the like selectively stores, or the driver information management D / B (361), insurance company information management D / B (362), vehicle operation information The above-mentioned various types of information are selectively outputted from the management D / B 363, the insurance information management D / B 364, the accident handling agency information management D / B 365, the accident information management D / B 366, and the like. It plays a role.

In this case, the D / B management server 330 not only plays a role of storing and outputting various types of data, but also simultaneously plays an intelligent role of efficiently managing various types of data in the fastest time without duplication.

In this case, as shown in the figure, the insurance event management server 320 mentioned above forms a series of communication relationships with the D / B management server 330 described above, and also interfaces with the base station antenna 200 ( 310, a series of communication relationships are formed.

In this state, the insurance event management server 320 determines whether to store and extract driver information, insurance company information, vehicle driving information, insurance information, accident handling agency information, accident information, and the like. When a series of vehicle operation information transmission events, accident events, vehicle problem inquiry events, stolen vehicle tracking events, etc. occur from the vehicle management terminal 100, the insurance company server 400, and the incident processing agency server 500, A vehicle 1 having an insurance contract is performed to perform a series of vehicle insurance event management processes.

At this time, the insurance event management server 320 is further connected to the information processing module 340, the information processing module 340, for example, the vehicle operation information transmitted from the vehicle management terminal 100, any processor, such as It also processes other data formats required by insurance companies, police departments, and hospitals.

On the other hand, the communication server 350 described above forms a series of communication relationships with the insurance event management server 320 described above, and also with the insurance company side server 400, the case processing agency server 500, communication network, for example Interface using PSTN network, Internet network, etc.

In this state, when a series of vehicle insurance event management processes are performed by the insurance event management server 320, the communication server 350 displays the corresponding progress of the insurance company side server 400 and the incident processing agency side server ( 500, etc., for example, so that vehicle driving information transmitted from the vehicle management terminal 100 can be substantially reflected off-line.

Hereinafter, a vehicle insurance event management method using the vehicle insurance event management system of the present invention having the above-described configuration will be described in detail.

First, the GPS satellite 2 is in a continuous signal exchange with any insurance contract vehicle 1 incorporating the vehicle management terminal 100 of the present invention, for example, " hardness change, latitude change, altitude change of the vehicle. , The present time "satellite signal containing information, such as real-time transmission to the satellite signal transmission / reception unit 102 of the vehicle management terminal (100).

In this state, as shown in FIG. 2, the control unit 101 disposed in the vehicle management terminal 100 observes the satellite signal transmission / reception unit to determine whether a series of satellite signal reception events have occurred ( Step S1).

At this time, when no satellite signal reception event occurs, the controller 101 proceeds to the flow of step S1a to maintain a series of standby states.

However, when a separate satellite signal reception event occurs, the control unit 101 converts the satellite signal into vehicle driving information containing data such as, for example, the mileage, driving time, and movement route of the vehicle. Vehicle driving information is stored in the memory unit 103 (steps S2, S3).

Subsequently, the control unit 101 checks its setting status, determines whether or not a certain period of time, for example, one week has elapsed, from an initial time point at which the above-described vehicle driving information starts to be stored in the memory unit 103, Based on this, it is determined whether a series of transmission times for transmitting the vehicle driving information to the base station antenna 200 has arrived (step S4).

At this time, if one week has not elapsed since the initial time point at which the vehicle driving information is started to be stored in the memory unit 103 and the transmission time for transmitting the vehicle driving information to the base station antenna 200 has not arrived, the control unit 101. The flow advances the flow to step S4a to maintain a series of standby states.

However, when one week has elapsed since the initial time when the vehicle driving information is started to be stored in the memory unit 103 and the transmission time for transmitting the vehicle driving information to the base station antenna 200 has arrived, the controller 101 stores the memory. After extracting the vehicle driving information stored in the unit 103, the vehicle driving information is remotely transmitted to the base station antenna 200 using the message transmitting / receiving unit 104 (step S5). As such, as soon as vehicle driving information is transmitted from the message transmitting / receiving unit 104 of the vehicle management terminal 100, the base station antenna 200 quickly transmits the information to the interface unit 310 of the server system 300. .

In this state, the insurance event management server 320 continuously observes the interface unit 310 to determine whether a series of vehicle driving information reception events has occurred (step S6).

At this time, when the vehicle driving information reception event does not occur, the insurance event management server 320 proceeds to the flow to step S6a to maintain a series of standby state.

However, when a separate vehicle driving information reception event occurs, the insurance event management server 320 searches for the received vehicle driving information and proceeds to grasp the data recorded in the vehicle driving information (step S7).

In this case, the insurance event management server 320 requests the D / B management server 330 to extract driver information, insurance company information, etc., and the D / B management server 330 immediately, for example, a driver. After extracting driver information and insurance company information stored in the information management D / B 361 and the insurance company information management D / B 362 and the like, the extracted driver information and insurance company information are transferred to the insurance event management server 320. .

Through such a process, while securing driver information, insurance company information, and the like, the insurance event management server 320 records data recorded in the vehicle driving information, for example, "a customer ID of the corresponding vehicle which has transmitted the vehicle driving information, corresponding". Find out the ID of the insurance company that manages the vehicle, the distance traveled, the driving time, and the movement route of the vehicle.

When all of these grasping processes are completed, the insurance event management server 320 transmits the vehicle driving information to the D / B management server 330, and transmits the vehicle driving information to, for example, the vehicle driving information management D / B 363. In addition to the storage, the vehicle driving information described above is transmitted to the information processing module 340 through another route, so that the vehicle driving information is required by any processing company such as an insurance company, for example, insurance. To be processed into information (step S8). In this case, the insurance information includes a "customer's name, a customer's address, a customer's weekly vehicle mileage, a weekly driving time, a weekly travel route", and the like.

Subsequently, the insurance event management server 320 receives the insurance information described above from the information processing module 340, and then transfers the insurance information to the D / B management server 330, whereby the insurance information is, for example, insurance. While stably stored in the information management D / B 364, the insurance information is transferred to the insurance company server 400 through another path (step S9).

In this case, the insurance event management server 320 transmits the insurance information to the communication server 350, and the communication server 350 uses the insurance company side server 400, the PSTN network, the Internet network, and the like. After the interface, insurance information is transferred from the insurance event management server 320 to the insurance company server 400.

Thereafter, the insurance company server 400 may accurately reflect the inherent characteristics of the individual vehicle possessed by the driver, such as driving time, mileage, and driving position, based on the insurance information described above, in calculating the insurance rate. The so-called pay-as-you-go premium can be charged to the driver.

As described above, when the present invention is implemented, the vehicle management terminal 100 and the insurance event management server are operated based on wired / wireless communication networks such as GPS satellite networks, PSTN networks, and Internet networks. Since 320 is systematically managed by the interlocking action of the D / B management server 330, the communication server 350, etc., when the present invention is achieved, the insurer can determine the unique characteristics of the individual vehicle possessed by the driver, for example. , Driving time, mileage, driving position, etc. can be accurately reflected in the calculation of the insurance rate, after all, if the present invention is achieved, the driver is made in a so-called, pay-as-you-go method in which the overall insurance premium calculation is in accordance with their driving characteristics The effect can be easily obtained.

On the other hand, a driver driving the insurance contract vehicle 1 manages his / her accident situation by performing a series of computational operations through, for example, the driver input unit 107 when an unexpected accident occurs in his vehicle. Real-time delivery to the terminal 100.

In this state, as shown in FIG. 3, the control unit 101 disposed in the vehicle management terminal 100 continuously observes the driver input unit 107 to determine whether a series of accident events have occurred ( Step S11).

At this time, when a series of accident events have not occurred, the controller 101 ends the flow.

However, when a separate accident event occurs, the control unit 101 collects all the information related to the accident event input from the vehicle diagnosis unit 105, the vehicle control unit 106, and the driver input unit 107, and generates a series of accidents. After generating the information, the accident information is remotely transmitted to the base station antenna 200 using the message transmitter / receiver 104 (step S12).

In this way, as soon as the accident information is transmitted from the message transmission / reception unit 104 of the vehicle management terminal 100, the base station antenna 200 quickly transfers the information to the interface unit 1 of the server system 300.

In this state, the insurance event management server 320 continuously observes the interface unit 1 to determine whether a series of accident information reception events have occurred (step S13).

At this time, if a series of accident information receiving event has not occurred, the insurance event management server 320 proceeds to the flow of step S13a to maintain a series of standby state.

However, when a separate accident information reception event occurs, the insurance event management server 320 searches for the received accident information, and proceeds to grasp the data recorded in the accident information (step S14).

In this case, the insurance event management server 320 requests the D / B management server 330 to extract, for example, driver information, accident processing agency information, insurance company information, and the like, and the D / B management server 330 Immediately, for example, driver information stored in the driver information management D / B 361, the accident processing organization information management D / B 365, the insurance company information management D / B 362, etc. Afterwards, the extracted driver information, accident processing agency information, insurance company information, and the like are transferred to the insurance event management server 320.

Through such a process, while obtaining driver information, accident processing agency information, insurance company information, etc., the insurance event management server 320 records data recorded in the accident information, for example, "the vehicle of the corresponding vehicle that transmitted the accident information. Find out the customer ID, the ID of the accident handling organization that corresponds to the accident, the ID of the insurance company managing the vehicle, the current location of the accident vehicle, etc.

When all of these identification processes are completed, the insurance event management server 320 delivers the accident information to the D / B management server 330, and stores the accident information in, for example, the accident information management D / B 366. By passing the above-mentioned accident information to the information processing module 340 through another path, the accident information is processed into other data formats required by any processing company such as the insurance company, the police station, and the maintenance company. (Step S15).

Subsequently, the insurance event management server 320 receives the processed accident information from the information processing module 340 and then returns the accident information to, for example, the insurance company side server 400 and the incident processing agency server 500. The transmission proceeds (step S16).

In this case, the insurance event management server 320 transmits the accident information to the communication server 350, the communication server 350 is the insurance company side server 400, the incident processing agency server 500 and the above-described PSTN After the interface is interfaced using a network or the Internet, the accident information is transmitted from the insurance event management server 320 to the insurance company server 400 and the incident processing agency server 500.

Thereafter, the insurance company server 400 and the incident processing agency server 500 can quickly deliver the accident situation of the accident vehicle to the operator based on the above-described accident information, and the operator promptly resolves the accident situation of the accident vehicle. It becomes possible.

As described above, when the present invention is implemented, the vehicle management terminal 100, insurance based on the wired / wireless communication network such as GPS satellite network, PSTN network, Internet network, etc. Since the event management server 320, the D / B management server 330, the communication server 350 is systematically managed by the interlocking action, when the present invention is achieved, drivers, insurance companies, etc. that are parties to the insurance contract Even after a vehicle insurance contract, the benefits of dealing with the problems of an accident can be easily obtained.

On the other hand, the operator of the insurance company side server 400 by performing a series of computational work to the insurance company side server 400, it is possible to inquire in real time the problem of the vehicle (1) contracted insurance with the company.

In this case, as shown in FIG. 4, the insurance event management server 320 continuously observes the communication server 350 to determine whether a series of vehicle problem inquiry events have occurred (step S21).

At this time, when a series of vehicle problem inquiry events do not occur, insurance event management server 320 ends the flow.

However, when a separate vehicle problem inquiry event occurs, the insurance event management server 320 performs a process of transmitting a series of vehicle problem inquiry request messages to a specific vehicle 1 that has concluded an insurance contract with the insurance company side ( Step S22).

In this case, the insurance event management server 320 requests the D / B management server 330 to extract driver information, for example, and the D / B management server 330 immediately, for example, driver information management D /. After extracting driver information stored in B 361, the extracted driver information is transferred to the insurance event management server 320.

Through such a process, while securing the driver information, the insurance event management server 320 based on the information transmitted when the vehicle problem inquiry event occurs, "the customer ID of the specific vehicle that the insurance company requested the inquiry of the vehicle problem. And generate a series of vehicle problem inquiry request messages. When all generation of the vehicle problem inquiry request message is completed, the insurance event management server 320 transmits the vehicle problem inquiry request message to the base station antenna 200 by using the interface unit 310. As such, as soon as the vehicle problem inquiry request message is transmitted from the interface unit 310, the base station antenna 200 transmits the information to the vehicle management terminal 100 embedded in the vehicle 1.

On the other hand, in this state, the control unit 101 continuously observes the message transmitting / receiving unit 104 to determine whether or not a series of vehicle problem inquiry request message reception events have occurred (step S23).

At this time, when a series of vehicle problem inquiry request message reception events have not occurred, the controller 101 proceeds to the flow of step S23a to maintain a series of standby states.

However, when an event for receiving a separate vehicle problem inquiry request message occurs, the controller 101 displays all information related to the vehicle problem input from the vehicle diagnosis unit 105, the vehicle control unit 106, the driver input unit 107, and the like. After collecting and generating a series of vehicle problem diagnosis information, the vehicle problem diagnosis information is remotely transmitted to the base station antenna 200 using the message transmitter / receiver 104 (step S24).

As such, as soon as vehicle problem diagnosis information is transmitted from the message transmission / reception unit 104 of the vehicle management terminal 100, the base station antenna 200 quickly transmits the information to the interface unit 310 of the server system 300. do.

In this state, the insurance event management server 320 continuously observes the interface unit 310 to determine whether a series of vehicle problem diagnosis information reception events have occurred (step S25).

At this time, when a series of vehicle problem diagnosis information reception event does not occur, the insurance event management server 320 proceeds to the step S25a to maintain a series of standby state.

However, when an event of receiving separate vehicle problem diagnosis information occurs, the insurance event management server 320 searches for the received vehicle problem diagnosis information, and proceeds to grasp the data recorded in the vehicle problem diagnosis information (step). S26).

In this case, the insurance event management server 320 requests the D / B management server 330 to extract driver information, insurance company information, etc., and the D / B management server 330 immediately, for example, a driver. After extracting driver information and insurance company information stored in the information management D / B 361 and the insurance company information management D / B 362 and the like, the extracted driver information and insurance company information are transferred to the insurance event management server 320. .

Through such a process, while securing driver information, insurance company information, etc., the insurance event management server 320 records data recorded in the vehicle problem diagnosis information, for example, "a customer of the vehicle who transmitted the vehicle problem diagnosis information. Find out the ID, the ID of the insurance company managing the vehicle, the current situation of the vehicle, and so on.

When all of these grasping processes are completed, the insurance event management server 320 transmits the vehicle problem diagnosis information to the D / B management server 330 to transmit the vehicle problem diagnosis information, for example, the accident information management D / B 366. In addition to the above information, the vehicle problem diagnosis information is transmitted to the information processing module 340 through another route so that the vehicle problem diagnosis information is processed into another data format required by the insurance company, for example. S27).

Subsequently, the insurance event management server 320 receives the completed vehicle problem diagnosis information from the information processing module, and then transmits the vehicle problem diagnosis information to, for example, the insurance company side server 400. Step S28).

In this case, the insurance event management server 320 transmits the vehicle problem diagnosis information to the communication server 350, and the communication server 350 connects the insurance company side server 400 with the above-described PSTN network and the Internet network. By using the interface, as soon as the accident information is transmitted from the insurance event management server 320, it is transmitted to the insurance company side server (400).

Thereafter, the insurance company server 400 quickly delivers the above-described vehicle problem diagnosis information to the operator, and the operator can grasp the problem of the specific vehicle desired by the operator in real time.

On the other hand, the operator operating the server 500 of the event processing agency, for example, the police station server to perform a series of computational operations to the server 500, the case processing agency, to track theft of the specific vehicle 1 in real time. Can be. In this case, as shown in FIG. 5, the insurance event management server 320 continuously observes the communication server 350 to determine whether a series of stolen vehicle tracking events have occurred (step S31).

At this time, when a series of stolen vehicle tracking events do not occur, the insurance event management server 320 ends the flow.

However, when a separate stolen vehicle tracking event occurs, the insurance event management server 320 searches for the ID of the driver who owns the stolen vehicle, and a series of location request messages for identifying the location of the stolen vehicle. The process of transmitting to the corresponding stolen vehicle is performed (steps S32 and S33). In this case, the insurance event management server 320 requests the D / B management server 330 to extract driver information, for example, and the D / B management server 330 immediately, for example, driver information management D /. After extracting driver information stored in B 361, the extracted driver information is transferred to the insurance event management server 320.

Through this process, while securing the driver information, the insurance event management server 320 grasps the customer ID of the specific stolen vehicle that the case processing organization requests for location check based on the information transmitted when the stolen vehicle tracking event occurs. In addition, it generates a series of location request messages. When all of the processes of generating the location request message are completed, the insurance event management server 320 transmits the location request message to the base station antenna 200 using the interface unit 310. As such, as soon as the location request message is transmitted from the interface unit 310, the base station antenna 200 transmits the information to the vehicle management terminal 100 embedded in the corresponding stolen vehicle 1.

Meanwhile, in this state, the control unit 101 disposed in the vehicle management terminal 100 continuously observes the message transmitting / receiving unit 104 to determine whether a series of location request message reception events have occurred ( Step S34).

At this time, when a series of positioning request message reception events have not occurred, the controller 101 proceeds to step S34a to maintain a series of standby states.

However, when a separate location request message reception event occurs, the control unit 101 collects vehicle driving information stored in the memory unit 103, for example, generates a series of location information, and then stores the location information. The message transmission / reception unit 104 is used to remotely transmit to the base station antenna 200 (step S35).

As such, as soon as the location information is transmitted from the message transmitting / receiving unit 104 of the vehicle management terminal 100, the base station antenna 200 quickly transmits the information to the interface unit 310 of the server system 300. .

On the other hand, in this state, the insurance event management server 320 continuously observes the interface unit 310 to determine whether or not a series of positioning information receiving events has occurred (step S36).

At this time, if a series of location information receiving event has not occurred, the insurance event management server 320 proceeds to the flow to step S36a to maintain a series of standby state.

However, when a separate location information reception event occurs, the insurance event management server 320 searches for the received location information and proceeds to grasp the data recorded in the location information (step S37). In this case, the insurance event management server 320 requests the D / B management server 330 to extract, for example, driver information and event processing agency information, and the D / B management server 330 immediately, for example, After extracting the driver information stored in the driver information management D / B 361 and the event processing agency information management D / B 365 and the event processing organization information, the extracted driver information and the event processing organization information are included in the insurance event. Transfer to management server 320.

Through such a process, while securing driver information, event processing agency information, and the like, the insurance event management server 320 records data recorded in the location information, for example, "customer ID of the vehicle that transmitted the location information. Find out the ID of the event handling agency managing the vehicle, the current location of the vehicle, and so on.

When all of these grasping processes are completed, the insurance event management server 320 transmits the location information to the D / B management server 330, and stores the location information in, for example, the accident information management D / B 366. In addition, by transmitting the above-mentioned positioning information to the information processing module 340 through another route, the positioning information is processed into another data format required by, for example, the event processing organization (step S38).

Subsequently, the insurance event management server 320 receives the completed positioning information from the information processing module 340, and then receives the positioning information from the event processing server server 500, for example, the police station server, the towing company. The process of transmitting to the side server is performed (step S39). In this case, the insurance event management server 320 transmits the corresponding location information to the communication server 350, and the communication server 350 uses the event processing agency server 500, the PSTN network, the Internet network, and the like. After the interface information is transmitted from the insurance event management server 320, the location information is immediately transmitted to the event processing server server 500.

Thereafter, the incident processing server server 500, for example, the police station server, the towing company side server will quickly deliver the above-described location information to the operator, the operator can determine the location of the stolen vehicle in real time.

As described above, in the present invention, the driving conditions of the individual vehicles to which the insurance contract is concluded can be systematically managed based on the above-described wired / wireless communication network, whereby the driver, the insurance company, etc., which are the parties to the insurance contract, have a vehicle insurance contract. After that, it can be induced to more easily deal with various problems, such as accidents, vehicle theft, vehicle failure.

The present invention is not limited to the insurance-related web site described above, and has an overall useful effect on various kinds of web sites for individually managing the contracting parties. And while certain embodiments of the invention have been described and illustrated, it will be apparent that the invention may be embodied in various modifications by those skilled in the art.

Such modified embodiments should not be understood individually from the technical spirit or point of view of the present invention and such modified embodiments should fall within the scope of the appended claims of the present invention.

As described in detail above, in the vehicle insurance event management system using the wired / wireless communication network and the vehicle insurance event management method using the same, the operation status of individual vehicles having an insurance contract is determined by a GPS satellite network, a PSTN network, and an Internet network. Based on wired / wireless communication networks, such as the vehicle management terminal, insurance event management server, D / B management server, communication server and the like to be managed systematically. When the present invention is achieved, the insurance company can accurately reflect the inherent characteristics of the individual vehicle possessed by the driver, for example, the travel time, the mileage, the driving position, and the like, in the calculation of the insurance rate. In this case, the driver can easily obtain the effect of the so-called pay-as-you-go system, in which the overall insurance premium calculation corresponds to the driving characteristics of the driver. As described above, when the driving conditions of individual vehicles are systematically managed based on the above-described wired / wireless communication network, drivers, insurance companies, etc., which are parties to insurance contracts, have an accident, vehicle theft, vehicle breakdown, etc. even after a vehicle insurance contract. You can easily obtain the benefits of making it easier to deal with many of the problems.

Claims (8)

A vehicle management terminal embedded in an arbitrary vehicle and acquiring and managing a series of vehicle driving information related to the driving of the vehicle by exchanging signals with a GPS (Global Positioning System) satellite; A base station antenna for remotely receiving vehicle driving information transmitted from the vehicle management terminal; An insurance event management server performing a series of vehicle insurance event management processes based on the vehicle driving information output from the base station antenna; It forms a series of communication relations with the insurance event management server, and includes a driver information management database (D / B), insurer information management D / B, vehicle operation information management D / B, insurance information management D / B, A series of driver information, insurance company information, vehicle operation information, insurance information, event processing agency information, accident information is extracted from the event processing agency information management D / B and the accident information management D / B, and transferred to the insurance event management server. And, based on this, D / B management server to assist the vehicle insurance event management process; When a series of communication relationship is formed with the insurance event management server, and interface with any insurance company server and the case processing agency server via a communication network, the vehicle insurance event management process is performed by the insurance event management server. And a communication server reflecting the result to the insurance company side server and the incident processing institution side server. 2. The vehicle insurance using a wired / wireless communication network according to claim 1, wherein the insurance event management server is further connected with an information processing module for processing the vehicle driving information into another data format required by an arbitrary processing company. Event management system. The vehicle management terminal of claim 1, further comprising: a satellite signal transmitter / receiver for exchanging signals with the GPS satellites; A control unit for converting and managing the satellite signals output from the satellite signal transmitting / receiving unit into the vehicle driving information; A memory unit which stores the vehicle driving information output from the controller for a predetermined period of time; Under the control of the controller, the message transmission / reception unit remotely transmits the vehicle driving information stored in the memory unit to the base station antenna, or remotely receives an insurance event management message transmitted from the base station antenna and transmits the insurance event management message to the control unit. Vehicle insurance event management system using a wired / wireless communication network comprising a. 4. The vehicle insurance event management system using a wired / wireless communication network according to claim 3, wherein the vehicle management terminal further includes a vehicle diagnosis unit for diagnosing a malfunction of the vehicle and reporting the diagnosis result to the controller. . Determining whether a series of satellite signal reception events has occurred; Converting and storing the received satellite signal into a series of vehicle driving information when the satellite signal reception event occurs; Determining whether a transmission time for transmitting the vehicle driving information to any base station antenna has arrived; When the transmission time for transmitting the vehicle driving information to the base station antenna arrives, transmitting the vehicle driving information to the base station antenna; Observing the base station antenna to determine whether a series of vehicle driving information reception events has occurred; When the vehicle driving information reception event occurs, retrieving the received vehicle driving information and acquiring data recorded in the vehicle driving information; Processing the vehicle driving information into another data format required by any insurance company; Vehicle insurance event management method using a wired / wireless communication network comprising the step of transmitting the vehicle operation information processed in the other data format to the insurance company side server. According to claim 5, After the step of transmitting the vehicle driving information processed in the other data format to the insurance company side server, Determining whether a series of accident events have occurred; Collecting accident information related to the accident event and transmitting the collected accident information to the base station antenna; Observing the base station antenna to determine whether a series of accident information receiving events has occurred; When the accident information reception event occurs, retrieving the received accident information to identify data recorded in the accident information; Processing the accident information into another data format required by any processor company; And transmitting the accident information processed in the other data format to the server of the processor company further comprises a vehicle insurance event management method using a wired / wireless communication network. According to claim 5, After the step of transmitting the vehicle driving information processed in the other data format to the insurance company side server, Determining whether a series of vehicle problem inquiry events have occurred; When the vehicle problem inquiry event occurs, generating a series of vehicle problem inquiry request messages corresponding to the vehicle problem inquiry event, and then transmitting the vehicle problem inquiry request message to the base station antenna; Observing the base station antenna to determine whether a series of vehicle problem inquiry request message reception events has occurred; Diagnosing a malfunction of the vehicle, generating a series of vehicle problem diagnosis information, and transmitting the vehicle problem diagnosis information to the base station antenna when the vehicle problem inquiry request reception event occurs; Observing the base station antennas to determine whether a series of vehicle problem diagnosis information reception events has occurred; When the vehicle problem diagnosis information reception event occurs, retrieving the received vehicle problem diagnosis information and identifying data recorded in the vehicle problem diagnosis information; Processing the vehicle problem diagnosis information into another data format required by any processor that generated the vehicle problem inquiry event; And transmitting the vehicle problem diagnosis information processed in the other data format to a server of any processor that generated the vehicle problem inquiry event. According to claim 5, After the step of transmitting the vehicle driving information processed in the other data format to the insurance company side server, Determining whether a series of stolen vehicle tracking events have occurred; Retrieving driver information corresponding to the stolen vehicle and transmitting a series of location request messages to the base station antenna for identifying a location of the vehicle corresponding to the driver information when the stolen vehicle tracking event occurs; Observing the base station antennas to determine whether a series of location request message reception events has occurred; When the location request message reception event occurs, identifying a location of the vehicle, generating a series of location information, and transmitting the location information to the base station antenna; Observing the base station antenna to determine whether a series of location information receiving events has occurred; Retrieving the received location information and identifying the data recorded in the location information when the location information reception event occurs; Processing the location information into another data format required by any processor that generated the stolen vehicle inquiry event; And transmitting the location information processed in the other data format to a server of any processor that generated the stolen vehicle inquiry event.