TW201917669A - Vehicle insurance system - Google Patents
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Abstract
Description
本發明係關於一種車輛保險系統,特別地,關於一種具有使用者以及投保車輛認證功能的車輛保險系統。 The present invention relates to a vehicle insurance system, and more particularly to a vehicle insurance system having a user and an insured vehicle certification function.
UBI車險(Usage Based Insurance)又被稱為PAYD(Pay As You Drive)或PHYD(Pay How You Drive)。UBI車險與傳統車險最大的差別在於,傳統車險多以駕駛的年齡、性別、車齡、居住地等靜態資料評估駕駛風險,但是UBI車險改變了定價模式,改成以駕駛的開車時間、開車習慣、行駛里程等行車紀錄數據來評估風險,讓車輛保險計費方式更符合實際風險評估、且更加公平合理。 UBI Auto Insurance (Usage Based Insurance) is also known as PAYD (Pay As You Drive) or PHYD (Pay How You Drive). The biggest difference between UBI auto insurance and traditional auto insurance is that traditional auto insurance assesses driving risk by static data such as driving age, gender, age, and place of residence. However, UBI auto insurance has changed the pricing model and changed to driving time and driving habits. Driving data such as driving mileage to assess risk, so that the vehicle insurance billing method is more in line with the actual risk assessment, and more fair and reasonable.
然而,以國內目前現行的UBI車險來說,使用者必須自行拍攝投保車輛的起駛里程以及終止里程,並且上傳雲端伺服器計算保費。這樣的方式不但會造成使用者的麻煩,而保險公司也無法確認所拍攝的儀錶板是否為投保車輛之儀錶板,以及駕駛是否為車輛保險之投保人等詐欺問題。而另一種UBI車輛保險方式是透過手機連線車載裝置,由手機將行車相關數據上傳雲端伺服器計算保費。這樣的方式雖然不需要使用者拍攝儀錶板,但是使用者必須在上車時完成開啟手機上的車險應用程式、連線雲端伺服器、連線車載裝置等動作,而且在行駛過程中車險應用程式必須保持開啟且處於連線狀態,使用上具有諸多限制而且又很耗電。 However, in the current UBI auto insurance situation in China, the user must photograph the starting mileage and the ending mileage of the insured vehicle and upload the cloud server to calculate the premium. Such a method not only causes trouble for the user, but the insurance company cannot confirm whether the photographed dashboard is the dashboard of the insured vehicle, and whether the driving is a policy of insured by the vehicle insurance. Another UBI vehicle insurance method is to connect the in-vehicle device through the mobile phone, and the mobile phone uploads the driving related data to the cloud server to calculate the premium. In this way, although the user does not need to shoot the dashboard, the user must complete the car insurance application on the mobile phone, connect the cloud server, connect the vehicle device, and the like, and the car insurance application during driving. It must be kept on and connected, with many limitations and power consumption.
有鑒於此,本發明提供一種車輛保險系統,用以執行一投保人針對至少一投保車輛之一車輛保險,其包含有一保險應用模組以及一連接裝置。保險應用模組執行於一行動裝置,包含一辨識單元、一資料儲存單元以及一保險執行單元,辨識單元用以辨識投保人以及投保車輛,資料儲存單元用以預存車輛保險之一保險資料,以及保險執行單元用以執行車輛保險。連接裝置固定於投保車輛內,連接裝置包含一嵌合元件,用以嵌合該行動裝置。其中,當投保人將該行動裝置嵌合於嵌合元件時,行動裝置自動啟動保險應用模組,藉由根據保險資料針對投保人以及投保車輛進行一認證程序後,以啟動保險執行單元執行車輛保險。 In view of this, the present invention provides a vehicle insurance system for performing a vehicle insurance for a vehicle of at least one insurance vehicle, which includes an insurance application module and a connection device. The insurance application module is implemented in a mobile device, comprising an identification unit, a data storage unit and an insurance execution unit, the identification unit is configured to identify the insured and the insured vehicle, and the data storage unit is configured to prestore the insurance information of the vehicle insurance, and The insurance execution unit is used to perform vehicle insurance. The connecting device is fixed in the insured vehicle, and the connecting device includes a fitting component for fitting the mobile device. Wherein, when the applicant inserts the mobile device into the fitting component, the mobile device automatically activates the insurance application module, and after performing an authentication procedure for the applicant and the insured vehicle according to the insurance data, the vehicle executes the insurance execution unit to execute the vehicle. Insurance.
於一具體實施例中,保險資料包含一第一認證資訊,當行動裝置自動啟動保險應用模組後,保險應用模組之辨識單元要求投保人輸入一第二認證資訊,若第一認證資訊與第二認證資訊相符合,則完成投保人之認證程序。 In a specific embodiment, the insurance information includes a first authentication information. When the mobile device automatically starts the insurance application module, the identification unit of the insurance application module requires the insured to input a second authentication information, if the first authentication information is If the second certification information is met, the certification procedure of the policyholder is completed.
於一具體實施例中,保險資料包含一第一車輛識別碼,連接裝置包含一資料儲存器,且資料儲存器預存一第二車輛識別碼。當行動裝置自動啟動保險應用模組後,保險應用模組之辨識單元比對第一車輛識別碼以及第二車輛識別碼,若兩者相符則完成投保車輛之認證程序。 In a specific embodiment, the insurance data includes a first vehicle identification code, the connection device includes a data storage device, and the data storage device prestores a second vehicle identification code. After the mobile device automatically activates the insurance application module, the identification unit of the insurance application module compares the first vehicle identification code and the second vehicle identification code, and if the two match, the certification procedure of the insured vehicle is completed.
於一具體實施例中,本發明之車輛保險系統另包含一雲端伺服器,且該行動裝置包含複數個感測器以及一網路傳輸模組。當保險執行單元被啟動後,保險應用模組啟動該等感測器以記錄一第一行車資訊,並且透過網路傳輸模組傳送第一行車資訊至雲端伺服器。其中,該等感測器 包含一攝影模組以及一定位模組,且該第一行車資訊包含一行車影像以及一定位資訊。 In one embodiment, the vehicle insurance system of the present invention further includes a cloud server, and the mobile device includes a plurality of sensors and a network transmission module. After the insurance execution unit is activated, the insurance application module activates the sensors to record a first driving information, and transmits the first driving information to the cloud server through the network transmission module. The sensor includes a camera module and a positioning module, and the first driving information includes a line of vehicle images and a positioning information.
於一具體實施例中,連接裝置另包含一充電模組,當行動裝置與連接裝置嵌合時,充電模組對行動裝置進行充電。 In one embodiment, the connection device further includes a charging module, and the charging module charges the mobile device when the mobile device is mated with the connecting device.
相較於習知技術,本發明之車輛保險系統利用行動裝置與連接裝置的嵌合認證投保人以及投保車輛,並且自動地開啟保險應用模組執行車輛保險,無需再經過繁複的連線、拍照、上傳等作業程序,大幅提升安全性以及便利性。 Compared with the prior art, the vehicle insurance system of the present invention utilizes the fitting authentication insured and the insured vehicle of the mobile device and the connecting device, and automatically opens the insurance application module to perform vehicle insurance, without complicated connection and photographing. , uploading and other operating procedures, greatly improving security and convenience.
100‧‧‧車載裝置 100‧‧‧ Vehicle-mounted devices
200‧‧‧連接裝置 200‧‧‧Connecting device
210‧‧‧嵌合元件 210‧‧‧ fitting components
220‧‧‧資料擷取模組 220‧‧‧Information Capture Module
230‧‧‧資料儲存模組 230‧‧‧ Data Storage Module
240‧‧‧充電模組 240‧‧‧Charging module
250‧‧‧揚聲器 250‧‧‧Speakers
300‧‧‧行動裝置 300‧‧‧ mobile devices
310‧‧‧保險應用模組 310‧‧‧ Insurance application module
312‧‧‧辨識單元 312‧‧‧ Identification unit
314‧‧‧資料儲存單元 314‧‧‧Data storage unit
316‧‧‧保險執行單元 316‧‧‧ Insurance Execution Unit
320‧‧‧網路傳輸模組 320‧‧‧Network Transmission Module
330‧‧‧感測器 330‧‧‧ Sensor
400‧‧‧雲端伺服器 400‧‧‧Cloud Server
500‧‧‧投保人 500‧‧‧ Insured
600‧‧‧投保車輛 600‧‧‧Insured vehicles
700‧‧‧行車電腦 700‧‧‧ Driving computer
圖1係繪製本發明車輛保險系統之一具體實施例之功能方塊圖。 BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a functional block diagram showing one embodiment of a vehicle insurance system of the present invention.
圖2係繪製本發明車輛保險系統之一具體實施例之示意圖。 2 is a schematic diagram showing one embodiment of a vehicle insurance system of the present invention.
圖3係繪製本發明車輛保險系統之另一具體實施例之功能方塊圖。 3 is a functional block diagram of another embodiment of a vehicle insurance system of the present invention.
圖4係繪製本發明車輛保險系統之另一具體實施例之功能方塊圖。 4 is a functional block diagram showing another embodiment of the vehicle insurance system of the present invention.
圖5係繪製圖2示意圖之局部放大圖。 Figure 5 is a partial enlarged view of the schematic view of Figure 2.
為了讓本發明的優點,精神與特徵可以更容易且明確地了解,後續將以具體實施例並參照所附圖式進行詳述與討論。值得注意的是,這些具體實施例僅為本發明代表性的具體實施例,其中所舉例的特定方法、裝置、條件、材質等並非用以限定本發明或對應的具體實施例。又, 圖中各裝置僅係用於表達其相對位置且未按其實際比例繪述,合先敘明。 The spirit and features of the present invention will be more readily and clearly understood, and will be described and discussed in detail in the Detailed Description. It is noted that the specific embodiments are merely representative of the specific embodiments of the present invention, and the specific methods, devices, conditions, materials, and the like are not intended to limit the invention or the corresponding embodiments. Moreover, the devices in the figures are only used to express their relative positions and are not drawn to their actual proportions.
請參閱圖1,圖1係繪製本發明車輛保險系統之一具體實施例之功能方塊圖。本發明提供一種車輛保險系統,用以執行一投保人針對至少一投保車輛之一車輛保險。於一具體實施例中,投保人透過行動裝置300或是電子設備訪問保險提供者的雲端伺服器400,並且選擇購買車輛保險,其中,車輛保險包含UBI(Usage Based Insurance)汽車保險方案、月費里程保險方案、駕駛人傷害險、旅行平安險、休閒娛樂險以及停車場臨時停車保險等,但不限於此。當投保人完成購買後,與購買之車輛保險相關的保險資料將被儲存於保險應用模組310的資料儲存單元314內,其中,保險應用模組310為一執行於行動裝置300之保險應用程式(Application,APP)。儲存的保險資料包含:與投保人相關之一第一認證資訊、與投保車輛相關之一第一車輛識別碼、購買之車輛保險合約內容等,但不限於此。 Please refer to FIG. 1. FIG. 1 is a functional block diagram showing a specific embodiment of a vehicle insurance system of the present invention. The present invention provides a vehicle insurance system for performing an insurance policy for a vehicle applicant for at least one of the insured vehicles. In a specific embodiment, the insured person accesses the insurance provider's cloud server 400 through the mobile device 300 or the electronic device, and selects to purchase the vehicle insurance, wherein the vehicle insurance includes UBI (Usage Based Insurance) automobile insurance plan and monthly fee. Mileage insurance scheme, driver injury insurance, travel insurance, leisure and entertainment insurance, parking lot temporary parking insurance, etc., but not limited to this. After the purchaser completes the purchase, the insurance information related to the purchased vehicle insurance will be stored in the data storage unit 314 of the insurance application module 310, wherein the insurance application module 310 is an insurance application executed by the mobile device 300. (Application, APP). The stored insurance information includes: one first authentication information related to the applicant, one first vehicle identification code related to the insured vehicle, the purchased vehicle insurance contract content, and the like, but is not limited thereto.
另一方面,當投保人購買車輛保險後,保險提供者將會依據車輛保險內容在投保車輛內安裝連接裝置200,連接裝置200固定於投保車輛內,且包含一嵌合元件210以及一資料儲存器230。嵌合元件210用於嵌合行動裝置300,資料儲存器230中預存與投保車輛相關之一第二車輛識別碼。 On the other hand, when the insured purchases the vehicle insurance, the insurance provider will install the connecting device 200 in the insured vehicle according to the vehicle insurance content, and the connecting device 200 is fixed in the insured vehicle, and includes a fitting component 210 and a data storage. The device 230. The fitting component 210 is for fitting the mobile device 300, and the data storage 230 prestores a second vehicle identification code associated with the insured vehicle.
請參考圖1及圖2,圖2係繪製本發明車輛保險系統之一具體實施例之示意圖。於一具體實施例中,投保人500購買車輛保險並且於投保車輛600上安裝連接裝置200。當投保人500進入車內時,將行動裝置300***連接裝置200之嵌合元件中。完成嵌合後,連接裝置200透過嵌合元件傳送一命令訊息以命令行動裝置300開啟預先安裝的保險應用模組310。之後,保險應用模組310利用其內的辨識單元312要求投保人500輸入一第二認 證資訊,並且比對第二認證資訊與儲存於資料儲存單元314內的第一認證資訊是否相符合,若兩者相同或相符合則完成投保人之認證程序。其中,投保人的認證程序可以透過指紋辨識、聲音辨識、虹膜辨識、密碼辨識等方式完成,並且,辨識單元312可以連接行動裝置300其他硬體裝置進行辨識,例如,辨識單元312連接行動裝置300的指紋感應器(Fingerprint Sensor)進行指紋辨識、或連接行動裝置300的麥克風進行聲音辨識。 Please refer to FIG. 1 and FIG. 2. FIG. 2 is a schematic diagram showing a specific embodiment of the vehicle insurance system of the present invention. In one embodiment, the applicant 500 purchases vehicle insurance and installs the connection device 200 on the insured vehicle 600. When the insured person 500 enters the vehicle, the mobile device 300 is inserted into the mating component of the connecting device 200. After the fitting is completed, the connecting device 200 transmits a command message through the fitting component to instruct the mobile device 300 to open the pre-installed insurance application module 310. Then, the insurance application module 310 uses the identification unit 312 therein to request the applicant 500 to input a second authentication information, and compares the second authentication information with the first authentication information stored in the data storage unit 314. If the two are the same or match, the certification process of the policyholder is completed. The identification process of the insured can be completed by fingerprint identification, voice recognition, iris recognition, password recognition, etc., and the identification unit 312 can be connected to other hardware devices of the mobile device 300 for identification. For example, the identification unit 312 is connected to the mobile device 300. The fingerprint sensor (Fingerprint Sensor) performs fingerprint recognition or connects to the microphone of the mobile device 300 for sound recognition.
另一方面,當啟動保險應用模組310後,保險應用模組310之辨識單元312檢視資料儲存器230中之第二車輛識別碼是否與資料儲存單元314內的第一車輛識別碼相符,若兩者相同或相符合則完成投保車輛之認證程序。其中,第一車輛識別碼以及第二車輛識別碼可以為一車牌號碼、一車輛獨特編碼或是保單編號等識別碼,但不限於此。 On the other hand, after the insurance application module 310 is activated, the identification unit 312 of the insurance application module 310 checks whether the second vehicle identification code in the data storage 230 matches the first vehicle identification code in the data storage unit 314. If the two are the same or match, the certification procedure for the insured vehicle is completed. The first vehicle identification code and the second vehicle identification code may be an identification code such as a license plate number, a unique code of the vehicle, or a policy number, but is not limited thereto.
請參考圖3,圖3係繪製本發明車輛保險系統之另一具體實施例之功能方塊圖。於一具體實施例中,保險應用模組310完成投保人以及投保車輛的認證程序,啟動保險執行單元316執行投保人所購買的車輛保險,並於駕駛其間給予相關保障。於一具體實施例中,行動裝置300包含複數個感測器330以及一網路傳輸模組320,當保險執行單元316被啟動後,保險應用模組310啟動複數個感測器330以記錄一第一行車資訊,並且將第一行車資訊上傳到雲端伺服器400。於一具體實施例中,感測器330包含一攝影模組,用於記錄投保人開車時的行車影像;於一具體實施例中,感測器330包含一定位模組(例如全球定位系統(Global Positioning System,GPS),用於記錄投保人開車時的定位資訊;於一具體實施例中,感測器330為一加速度儀,用於記錄投保人行駛速度;於一具體實施例中,感測器330為一震動感 測器,用於記錄投保人駕駛時的車體震動;於一具體實施例中,感測器330為一陀螺儀,用於記錄投保人駕駛時的行駛方位,其感測器330並不限於上述實施例之應用。 Please refer to FIG. 3. FIG. 3 is a functional block diagram showing another embodiment of the vehicle insurance system of the present invention. In a specific embodiment, the insurance application module 310 completes the certification procedure of the applicant and the insured vehicle, and the activation insurance execution unit 316 executes the vehicle insurance purchased by the applicant, and provides relevant protection during driving. In a specific embodiment, the mobile device 300 includes a plurality of sensors 330 and a network transmission module 320. After the insurance execution unit 316 is activated, the insurance application module 310 activates a plurality of sensors 330 to record one. The first driving information is uploaded to the cloud server 400. In a specific embodiment, the sensor 330 includes a photographic module for recording a driving image when the applicant is driving; in a specific embodiment, the sensor 330 includes a positioning module (eg, a global positioning system ( The Global Positioning System (GPS) is used to record the positioning information when the insured person drives the vehicle. In one embodiment, the sensor 330 is an accelerometer for recording the speed of the insured person; in a specific embodiment, the sense The detector 330 is a vibration sensor for recording the body vibration of the insured when driving; in a specific embodiment, the sensor 330 is a gyroscope for recording the driving direction of the insured when driving, The sensor 330 is not limited to the application of the above embodiment.
於一具體實施例中,投保人所購買的車輛保險為UBI(Usage Based Insurance)汽車保險方案,並且當啟動保險執行單元316執行車輛保險時,保險執行單元316利用第一行車資訊計算車輛保險費用。於一具體實施例中,投保人所購買的車輛保險為月費里程保險方案,當啟動保險執行單元316執行車輛保險方案時,保險執行單元316利用第一行車資訊之定位資訊計算行駛里程,並且扣除月費里程保險方案的剩餘里程數。當剩餘里程數低於一設定值時,保險應用模組310發出提示訊息提醒投保人加買里程數。於一具體實施例中,投保人購買的車輛保險為一駕駛責任險,且投保內容包含複數台投保車輛,當投保人駕駛不同台投保車輛時,僅需將行動裝置300***投保車輛內之連接裝置200,即可在多台投保車輛中使用同一個駕駛責任險的保單合約。 In a specific embodiment, the vehicle insurance purchased by the applicant is a UBI (Usage Based Insurance) automobile insurance scheme, and when the insurance execution unit 316 is activated to perform vehicle insurance, the insurance execution unit 316 calculates the vehicle insurance by using the first driving information. cost. In a specific embodiment, the vehicle insurance purchased by the applicant is a monthly mileage insurance scheme. When the activation insurance execution unit 316 executes the vehicle insurance scheme, the insurance execution unit 316 calculates the mileage using the positioning information of the first driving information. And deduct the remaining mileage of the monthly fee mileage insurance plan. When the remaining mileage is lower than a set value, the insurance application module 310 sends a prompt message to remind the insured to purchase the mileage. In a specific embodiment, the vehicle insurance purchased by the policyholder is a driving liability insurance, and the insurance content includes a plurality of insured vehicles. When the insured person drives the different insured vehicles, only the mobile device 300 needs to be inserted into the connection in the insured vehicle. The device 200 can use the same driving liability insurance policy contract in multiple insured vehicles.
於一具體實施例中,當辨識單元312認證投保人或是投保車輛其中一者認證失敗時,則不會啟動保險執行單元316。同時,保險應用模組310則會透過行動裝置300的網路傳輸模組320傳送一錯誤訊息至保險提供者的雲端伺服器400。於實際應用上,雲端伺服器400接收到錯誤訊息後,可以強制命令***之行動裝置300進行內鏡頭的拍照,拍攝駕駛相片;於實際應用上,雲端伺服器400接收到錯誤訊息後,得發送一通知訊息告知投保人投保車輛正在被非認證的駕駛操作;於實際應用上,雲端伺服器400接收到錯誤訊息後,可以直接通報執法單位前往投保車輛所在地點,但錯誤訊 息之應用不限於此。 In a specific embodiment, when the identification unit 312 authenticates that the applicant or the one of the insured vehicles fails the authentication, the insurance execution unit 316 is not activated. At the same time, the insurance application module 310 transmits an error message to the insurance provider's cloud server 400 through the network transmission module 320 of the mobile device 300. In an actual application, after receiving the error message, the cloud server 400 can force the inserted mobile device 300 to take a picture of the inner lens and take a driving photo. In actual application, after receiving the error message, the cloud server 400 may send the image. A notification message informs the policyholder that the vehicle is being operated by a non-certified driving operation; in actual application, after receiving the error message, the cloud server 400 can directly notify the law enforcement unit to go to the location of the insured vehicle, but the application of the error message is not limited thereto. .
請參考圖4,圖4係繪製本發明車輛保險系統之另一具體實施例之功能方塊圖。於一具體實施例中,連接裝置200以有線或是無線的方式連接於一車載裝置100,其中,車載裝置100可以為一車上診斷系統(On-Board Diagnostics,OBD)。連接裝置200進一步包含一資料擷取模組220,用於擷取車載裝置100之第二行車資訊。其中,第二行車資訊包含引擎啟動資訊、行駛里程、行車速度、行車加速度、煞車記錄、水箱溫度、電瓶電壓、油耗資訊等,但不限於此。於實際應用上,第一行車資訊以及第二行車資訊被暫存於連接裝置200之資料儲存器230,並且由網路傳輸模組320上傳至雲端伺服器400。其中,若投保車輛行經收訊不佳路段導致網路傳輸模組320無法連線雲端伺服器400時,保險應用模組310會先將第一行車資訊以及第二行車資訊儲存在連接裝置200之資料儲存器230中,並且待網路傳輸模組320與雲端伺服器400恢復連線後,再將儲存於資料儲存器230中的第一行車資訊以及第二行車資訊上傳至雲端伺服器400。 Please refer to FIG. 4. FIG. 4 is a functional block diagram showing another embodiment of the vehicle insurance system of the present invention. In one embodiment, the connection device 200 is connected to an on-vehicle device 100 in a wired or wireless manner. The on-vehicle device 100 can be an On-Board Diagnostics (OBD). The connection device 200 further includes a data capture module 220 for capturing the second driving information of the vehicle-mounted device 100. The second driving information includes engine starting information, driving mileage, driving speed, driving acceleration, braking record, water tank temperature, battery voltage, fuel consumption information, etc., but is not limited thereto. In actual application, the first driving information and the second driving information are temporarily stored in the data storage 230 of the connection device 200, and uploaded to the cloud server 400 by the network transmission module 320. The insurance application module 310 first stores the first driving information and the second driving information in the connecting device 200 if the network transmitting module 320 cannot connect to the cloud server 400 when the insured vehicle passes the poorly received road section. In the data storage 230, after the network transmission module 320 and the cloud server 400 are restored, the first driving information and the second driving information stored in the data storage 230 are uploaded to the cloud server. 400.
請參考圖5,圖5係繪製圖2示意圖之局部放大圖。於圖5中可以看到圖2中連接裝置200與行動裝置300之接合。於一具體實施例中,連接裝置200包含一揚聲器250,且嵌合元件210包含一底部卡榫以及一組側卡榫,底部卡榫用於固定行動裝置300以及數據傳輸,側卡榫用於固定行動裝置300。於一具體實施例中,當保險應用模組310啟動保險執行單元316後,保險應用模組310利用第二行車資訊得知投保車輛的引擎是否處於啟動狀態。若引擎處於啟動狀態時,則側卡榫鎖定行動裝置300使行動裝置300無法被移動,且保險應用模組310鎖定行動裝置300部分應用程式功能,讓投 保人於駕駛其間不會分心操作手機。揚聲器250在連接裝置200與行動裝置300連線後啟動,用於將行動裝置300的聲音由揚聲器250發出,例如,提醒投保人里程數餘額不足時,或保險應用模組310導引投保人進行認證時,都可以由揚聲器250發出聲音。於一具體實施例中,當投保人於駕駛其間行動裝置300接收到來電通知且投保人同意通話,行動裝置300將會自動將通話模式轉換為免持聽筒,並且由揚聲器250發出聲音。 Please refer to FIG. 5, which is a partial enlarged view of the schematic diagram of FIG. The engagement of the connecting device 200 and the mobile device 300 of FIG. 2 can be seen in FIG. In one embodiment, the connection device 200 includes a speaker 250, and the mating component 210 includes a bottom cassette and a set of side cassettes for securing the mobile device 300 and data transmission, and a side cassette for The mobile device 300 is fixed. In a specific embodiment, after the insurance application module 310 activates the insurance execution unit 316, the insurance application module 310 uses the second driving information to know whether the engine of the insured vehicle is in an activated state. If the engine is in the startup state, the side card locks the mobile device 300 to prevent the mobile device 300 from being moved, and the insurance application module 310 locks part of the application function of the mobile device 300, so that the insured does not distract the mobile phone during driving. . The speaker 250 is activated after the connection device 200 is connected to the mobile device 300 for transmitting the sound of the mobile device 300 from the speaker 250, for example, to remind the insured that the mileage balance is insufficient, or the insurance application module 310 guides the insured to perform At the time of authentication, the sound can be emitted by the speaker 250. In one embodiment, when the applicant receives the incoming call notification during the driving of the mobile device 300 and the policyholder agrees to the call, the mobile device 300 will automatically convert the call mode to the hands-free handset and the speaker 250 will sound.
於一具體實施例中,雲端伺服器400接收到第一行車資訊以及第二行車資訊後對該兩者進行監控。當第一行車資訊或第二行車資訊發生異常時,雲端伺服器400得依據異常前的行車資訊判斷投保車輛是否有符合購買的車輛保險之理賠標準,若有,則依據行車資訊之資訊產生一理賠金額並且理賠至投保人的設定帳戶。舉例來說,若雲端伺服器400接收到第二行車資訊發現投保車輛於極短時間內行車加速度驟降且行車方位大幅改變,則判斷投保車輛可能發生事故,因此比對異常前的第一行車資訊之行車影像,確認投保車輛的情況以及肇事責任,後續可以協助聯絡救援以及進行理賠。 In a specific embodiment, the cloud server 400 monitors both after receiving the first driving information and the second driving information. When the first driving information or the second driving information is abnormal, the cloud server 400 may determine, according to the driving information before the abnormality, whether the insured vehicle meets the claim standard of the purchased vehicle insurance, and if so, generates information according to the driving information. A claim amount and claim settlement to the insured's set account. For example, if the cloud server 400 receives the second driving information and finds that the insured vehicle suddenly drops in the vehicle in a very short time and the driving direction changes greatly, it is judged that the insured vehicle may have an accident, so the first line before the abnormality is compared. The information of the car information, confirm the situation of the insured vehicle and the responsibility of the accident, the follow-up can help to contact the rescue and make claims.
請再參考圖2,於一具體實施例中,投保車輛600包含一行車電腦700,當投保人500將行動裝置300嵌合於嵌合元件210後,行動裝置300畫面自動與行車電腦700進行同步。 Referring to FIG. 2 again, in an embodiment, the insured vehicle 600 includes a row of computer 700. When the applicant 500 fits the mobile device 300 to the fitting component 210, the mobile device 300 automatically synchronizes with the driving computer 700. .
請再參考圖4,於一具體實施例中,連接裝置200包含一充電模組240。當行動裝置300嵌合於嵌合元件210後,充電模組240自動對行動裝置300進行供電,使行動裝置300不會因為資料傳輸以及拍攝行車影像而導致電量快速消耗。 Referring to FIG. 4 again, in a specific embodiment, the connection device 200 includes a charging module 240. When the mobile device 300 is fitted to the mating component 210, the charging module 240 automatically supplies power to the mobile device 300, so that the mobile device 300 does not consume power quickly due to data transmission and shooting of the driving image.
於一具體實施例中,保險應用模組310包含一路況導航單元。路況導航單元連接於行動裝置300內建的GPS定位模組,可以透過揚聲器250向投保人通報路況。 In one embodiment, the insurance application module 310 includes a road navigation unit. The road navigation unit is connected to the GPS positioning module built in the mobile device 300, and can notify the applicant of the road condition through the speaker 250.
於一具體實施例中,保險應用模組310亦可包含一生活娛樂單元。生活娛樂單元連接於其他與生活娛樂相關的網頁或是應用程式,投保人可以利用生活娛樂單元實現餐廳預定、票劵購買、停車預約或是車輛保養預約等功能。此外,投保人可以透過電信帳單支付保險費用以及其他生活娛樂費用。 In one embodiment, the insurance application module 310 can also include a living entertainment unit. The life entertainment unit is connected to other webpages or applications related to life and entertainment, and the insured can use the living entertainment unit to implement functions such as restaurant reservation, ticket purchase, parking reservation or vehicle maintenance reservation. In addition, policyholders can pay for insurance and other living and entertainment expenses through telecom bills.
相較於習知技術,本發明之車輛保險系統利用行動裝置與連接裝置的嵌合認證投保人以及投保車輛,並且自動地開啟保險應用模組執行車輛保險,無需再經過繁複的連線、拍照、上傳等作業程序,大幅提升安全性以及便利性。此外,本發明另一特點在於使用行動裝置當作行車記錄器功能,記錄投保人的行駛路況以及定位資訊。這樣的方式不但節省行車記錄器的成本,也可以更精準的記錄使用者在行駛當下的路況以及肇事判斷,進一步地,將行動裝置固定於連接裝置亦可以降低投保人於行駛中分心的可能性。而因應行動裝置資料傳輸以及行車影像拍攝功能,本發明之連接裝置亦包含有充電模組,讓行駛過程中行動裝置的電力不中斷。 Compared with the prior art, the vehicle insurance system of the present invention utilizes the fitting authentication insured and the insured vehicle of the mobile device and the connecting device, and automatically opens the insurance application module to perform vehicle insurance, without complicated connection and photographing. , uploading and other operating procedures, greatly improving security and convenience. In addition, another feature of the present invention is to use the mobile device as a driving recorder function to record the insured's driving condition and positioning information. This way not only saves the cost of the driving recorder, but also more accurately records the user's current road conditions and the judgment of the accident. Further, fixing the mobile device to the connecting device can also reduce the possibility of the insured being distracted while driving. Sex. In view of the mobile device data transmission and the driving image capturing function, the connecting device of the present invention also includes a charging module, so that the power of the mobile device during driving is not interrupted.
藉由以上較佳具體實施例之詳述,係希望能更加清楚描述本發明之特徵與精神,而並非以上述所揭露的較佳具體實施例來對本發明之範疇加以限制。相反地,其目的是希望能涵蓋各種改變及具相等性的安排於本發明所欲申請之專利範圍的範疇內。因此,本發明所申請之專利範圍的範疇應該根據上述的說明作最寬廣的解釋,以致使其涵蓋所有可能的改 變以及具相等性的安排。 The features and spirit of the present invention will be more apparent from the detailed description of the preferred embodiments. On the contrary, the intention is to cover various modifications and equivalents within the scope of the invention as claimed. Therefore, the scope of the patented scope of the invention should be construed as broadly construed in the
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