INSURANCE PREMIUM PREDICTION DEVICE AND INSURANCE PREMIUM PREDICTION METHOD

• Main Author: NINOMIYA HIROSHI
• Format: Patent
• Language: English; Japanese
• Published: 30.06.2016
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SIGNALLING; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR; TRAFFIC CONTROL SYSTEMS

PURPOSE: To provide a device capable of predicting an automobile insurance premium using telematics, and providing it.CONSTITUTION: An insurance premium prediction device comprises: a storage device 624 for storing dangerous time band information indicating time when driving is dangerous; a vehicle information reception unit 604 for obtaining vehicle information including driving history information on a vehicle from a first radio communication terminal mounted on the vehicle specified by a user via a second radio communication terminal placed at a prescribed place; a driving ratio computing unit 616 for computing a ratio of time when the vehicle has been driven in a dangerous time band indicated by the dangerous time band information on the basis of the driving history information; an insurance premium computing unit 630 for computing an automobile insurance premium according to the ratio; and an insurance contents transmission unit 638 for outputting the computed insurance premium via a network.SELECTED DRAWING: Figure 2 【目的】テレマティクスを利用して、自動車保険の保険料を予測し、提供することが可能な装置を提供する。【構成】保険料予測装置は、運転に危険な危険時間帯情報が記憶された記憶装置６２４と、ユーザが指定する車両に搭載された第１の無線通信端末から所定の場所に配置された第２の無線通信端末を介して当該車両の運転履歴情報を含む車両情報を取得する車両情報受信部６０４と、運転履歴情報に基づいて、危険時間帯情報が示す危険時間帯に前記車両が運転されていた割合を演算する運転割合演算部６１６と、割合に応じて自動車保険の保険料を演算する保険料演算部６３０と、ネットワークを介して、演算された保険料を出力する保険内容送信部６３８と、を備えたことを特徴とする。【選択図】図２