Communication system for indemnification insurance service

• US 20080215375A1
• Filed: 10/16/2007
• Published: 09/04/2008
• Est. Priority Date: 03/03/2007
• Status: Abandoned Application

• Current Assignee: Bit Corn Laboratory Incorporated
• Original Assignee: Bit Corn Laboratory Incorporated
• Inventors: Hara, Hitoshi, Matsumura, Mineaki, Kawaguchi, Shinsuke, Nakano, Nobutoshi
• Application Number:
  US11/907,706
• Publication Number:
  US 20080215375A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

The object of the present invention is to provide a communication system for indemnification insurance service; the system contributes to rapid procedures to be performed from the occurrence of an accident to the arrival of a staff to the accident scene, including notification to the company of the indemnification insurance service, and certification of the location of the accident scene and the content of the insurance service of the insured, performed inside the company. The communication system for indemnification insurance service 1 comprises: a cell phone 2 with a built-in IC tag reader and a server 3, which are communicably connected with each other over the internet 4; and a management terminal 5 communicably connected with the server 3; and wherein the cell phone 2 comprises: a means 21 operable to read out information from the insurance IC tag 8, which is provided with the insurance card 6 possessed by the policyholder and stores insurance information; a means 22 for transmitting its cell phone number and the policyholder'"'"'s name read out from the insurance IC tag 8, to the server 3 at a URL read out form the insurance IC tag 8; and a means 23 for receiving an authentication result from the server 3. Here, the means 21 is operable to re-read out the policyholder'"'"'s name and the insurance policy number from the insurance IC tag 8, when the authentication result indicates being authenticated.

Claims

1. A communication system for indemnification insurance service, the system comprising:

a cell phone with a built-in IC tag reader;

a server communicably connected with said cell phone over the internet; and

a management terminal communicably connected with said management server;

wherein said cell phone includes;

a reading means operable to read, after such as an occurrence of an accident, insurance service information stored in an insurance IC tag provided with an insurance card possessed by a policyholder of the indemnification insurance service;

a transmitting means for transmitting its cell phone number and a policyholder'"'"'s name read from said insurance IC tag to said server at a URL read from said insurance IC tag;

a receiving means for receiving an authentication result from said server, wherein when the authentication result indicates being authenticated, said reading means is operable to re-read the policyholder'"'"'s name and the insurance policy number from said insurance IC tag;

a displaying means for displaying the re-read information;

a means for prompting, on a display, the policyholder to select whether to notify regarding an occurrence of an accident or not; and

a measuring means for measuring the present location of the cell phone based on the GPS, wherein said transmitting means transmits the policyholder'"'"'s name, the insurance policy number, and the present location to the server;

and wherein said server includes;

a member database for storing the information on the policyholder of the indemnification insurance service;

an authentication means for authenticating, when the cell phone number and the policyholder'"'"' name have received from the cell phone, by matching them with data in said member database;

a transmitting means for transmitting the authentication result to the cell phone;

a means for storing the policyholder'"'"' name, the insurance policy number, and the present location to said member database, when these data have received; and

a searching means for searching the content of the insurance policy from said member database, wherein, said transmitting means transmits the content of the insurance policy and the present location to said management terminal;

and wherein said management terminal includes;

a means for displaying the content of the insurance policy and also displaying the present location on a map, on receiving these data.

2. A communication system for indemnification insurance service, the system comprising:

a cell phone with a built-in IC tag reader;

a server communicably connected with said cell phone over the internet; and

a management terminal communicably connected with said management server;

wherein said cell phone includes;

a reading means operable to read, after such as an occurrence of an accident and/or trouble of a car, member insurance service information stored in an insurance IC tag attached to the car;

a transmitting means for transmitting its cell phone number and a policyholder'"'"'s name read from said insurance IC tag to said server at a URL read from said insurance IC tag;

a receiving means for receiving an authentication result from said server, wherein when the authentication result indicates being authenticated, said reading means is operable to re-read the policyholder'"'"'s name and the insurance policy number from said insurance IC tag;

a displaying means for displaying the re-read information;

a means for prompting, on a display, the policyholder to select whether to notify regarding an occurrence of an accident or not; and

a measuring means for measuring the present location of the cell phone based on the GPS, wherein said transmitting means transmits the policyholder'"'"'s name, the insurance policy number, and the present location to the server;

and wherein said server includes;

a member database for storing the information on the policyholder of the indemnification insurance service;

an authentication means for authenticating, when the cell phone number and the policyholder'"'"' name have received from the cell phone, by matching them with data in said member database;

a transmitting means for transmitting the authentication result to the cell phone;

a means for storing the policyholder'"'"' name, the insurance policy number, and the present location to said member database, when these data have received; and

a searching means for searching the content of the insurance policy from said member database, wherein, said transmitting means transmits the content of the insurance policy and the present location to said management terminal;

and wherein said management terminal includes;

a means for displaying the content of the insurance policy and also displaying the present location on a map, on receiving these data.

3. A communication system for indemnification insurance service according to claim 2, wherein

said management terminal is communicably connected with a car repair shop terminal installed in a car repair shop;

said transmitting means of said management terminal transmits the content of the insurance policy and the present location to the car repair shop terminal, on receiving these data from said server; and

said car repair shop terminal includes a means for displaying the content of the insurance policy and the present location, on receiving these data from said management terminal.

4. A communication system for indemnification insurance service, the system comprising:

a staff dedicated terminal with a built-in IC chip reader and a built-in IC tag reader, carried by a staff of a company of an indemnification insurance service; and

a server communicably connected with said staff dedicated terminal over the internet;

wherein said staff dedicated terminal includes;

a reading means operable to read a biometric authentication identifier stored in an IC chip provided with a company staff card of the staff of the indemnification insurance company;

an authentication identifier capturing means for capturing a biometric authentication identifier from the staff of the indemnification insurance company; and

an authenticating means for authenticating the staff of an indemnification insurance company, wherein said reading means is operable to read biometric authentication identifier stored in the IC chip of an insurance card possessed by a policyholder of the indemnification insurance service, said authentication identifier capturing means is operable to capture biometric authentication identifier of the policy holder, said authenticating means authenticates the policyholder, and said reading means, when said staff of the company of the indemnification insurance service and said policyholder are authenticated, is operable to read indemnification insurance service information of said policyholder from the insurance IC tag of the insurance card;

and wherein said staff dedicated terminal further includes;

a transmitting means for transmitting the policyholder'"'"'s name read from the insurance IC tag to the server at a URL read from the insurance IC tag;

a receiving means for receiving an authentication result from said server;

a displaying means for displaying the insurance IC tag information read from said insurance IC tag, when the authentication result indicates being authenticated, wherein after being authenticated, the reading means is operable to read examination information of a car from a car examination IC tag attached to the car, and the displaying means displays examination information of the car;

and wherein said staff dedicated terminal further includes;

an inputting means for allowing the staff to input data on procedures and/or managements regarding the accident at the accident scene, wherein after the data input, the transmitting means transmits the car examination IC tag information and the input data to the server;

and wherein said staff dedicated terminal further includes;

a writing means operable to write the input data to the insurance IC tag of the insurance card and the insurance IC tag attached to the car;

and wherein said server includes;

a member database for storing the information on the policyholder of the indemnification insurance service;

an authentication means for authenticating, when the insurance IC tag information of the insurance card has been received from the staff dedicated terminal, by matching them with data in said member database;

a transmitting means for transmitting the authentication result to the staff dedicated terminal; and

a means for storing the car examination IC tag information and the input data to the member database, when these data have received.

5. A communication system for indemnification insurance service according to claim 4, wherein said staff dedicated terminal includes a writing means operable to write historical data of a happened accident(s) and/or trouble(s) to the insurance IC tag attached to the car and the insurance IC tag of the insurance card.

6. A communication system for indemnification insurance service according to claim 4, wherein said car examination IC tag is capable to be updated regarding the historical data of repair therein, by a shop dedicated terminal installed in a car repair shop.