SYSTEM FOR MEASURING THE EXPOSURE TIME OF THE COVERAGE OFFERED BY AN INSURANCE POLICY

• US 20090037229A1
• Filed: 09/27/2005
• Published: 02/05/2009
• Est. Priority Date: 09/27/2005
• Status: Abandoned Application

• Current Assignee: Jairo Alberto Perez Munoz, Rafael Hernan Polania Jimenez
• Original Assignee: Jairo Alberto Perez Munoz, Rafael Hernan Polania Jimenez
• Inventors: Perez Munoz, Jairo Alberto, Polania Jimenez, Rafael Hernan
• Application Number:
  US12/088,134
• Publication Number:
  US 20090037229A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/08 Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time

Abstract

The invention relates to a system which can be used to measure information corresponding to the term of insurance contracts in units of time of less than one day, using devices which are installed in the vehicles (or in other elements which require a mechanical or electrical motor or which are controlled by an electronic system), which are disposed at the insurance company'"'"'s premises and which are in the possession of the policy holders.

Claims

1. A system for measuring the exposure time of the coverages offered by an insurance company, characterized in that it comprises:

Uploading and downloading means (1) comprising a central computer, computers located at distributors and a device for transferring the information contained in the event recording means (3) to the computer at the company headquarters.

User means (2) provided with a USB or mini USB port, a push button, an LCD display, LED'"'"'s, a non-volatile memory, a device for integrating a microcontroller with a wireless communication module, and a battery;

Event recording means (3) installed in the vehicle, and connected to the insured object only through its main power supply, being comprised of a power supply element having voltage regulation, a relay, acceleration sensors, non-volatile memory, a device for integrating activity control and signal processing with wireless communication, the modules and/or modems for said wireless communication and operation event indicator LED'"'"'s.

2. A system according to claim 1, wherein the recording means (3) may comprise sensors for measuring attenuating and/or aggravating factors.

3. The system according to claim 1, characterized in that the information uploading and downloading means (1) allow uploading information relating to the insured object, the policyholder and the premium in time units.

4. The system according to claim 1, characterized in that the user means (2) processes the information collected in the event recording means (3) and determines the remaining coverage stated in time units.

5. The system according to claim 1, wherein the event recording means (3) allows the distinction between the static or dynamic conditions of the insured object and other consumption attenuating or aggravating factors.

6. The system according to claim 2, characterized in that the information uploading and downloading means (1) allow uploading information relating to the insured object, the policyholder and the premium in time units.

7. The system according to claim 2, characterized in that the user means (2) processes the information collected in the event recording means (3) and determines the remaining coverage stated in time units.

8. The system according to claim 3, characterized in that the user means (2) processes the information collected in the event recording means (3) and determines the remaining coverage stated in time units.

9. The system according to claim 6, characterized in that the user means (2) processes the information collected in the event recording means (3) and determines the remaining coverage stated in time units.

10. The system according to claim 2, wherein the event recording means (3) allows the distinction between the static or dynamic conditions of the insured object and other consumption attenuating or aggravating factors.

11. The system according to claim 3, wherein the event recording means (3) allows the distinction between the static or dynamic conditions of the insured object and other consumption attenuating or aggravating factors.

12. The system according to claim 6, wherein the event recording means (3) allows the distinction between the static or dynamic conditions of the insured object and other consumption attenuating or aggravating factors.