Method and apparatus for gathering vehicle information
First Claim
1. A method for collecting and processing information from a vehicle, the information being useful for providing a loss-insurance coverage, comprising:
- (a) automatically transmitting information from the vehicle to a central vehicle-information management center, the information including information regarding a position of the vehicle, information regarding control of the vehicle, information regarding states of parts of the vehicle, a type of the vehicle, and identification of a user of the vehicle;
(b) the central vehicle-information management center computing a utilization service fee based on the type of the vehicle and the identification of the user transmitted in step (a);
(c) transmitting the computed fee and a request for confirmation from the central vehicle-information management center to the vehicle; and
(d) transmitting a response from the vehicle to the central vehicle-information management center as to whether the user will effect insurance coverage.
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Abstract
A method for collecting and processing information from a vehicle is disclosed. The information is useful for providing a loss-insurance coverage. The method includes the following steps: (a) Information is automatically transmitted from the vehicle to a central vehicle-information management center, the information including information regarding a position of the vehicle, information regarding control of the vehicle, information regarding states of parts of the vehicle, a type of the vehicle, and identification of a user of the vehicle. (b) The central vehicle-information management center computes a utilization service fee based on the type of the vehicle and the identification of the user transmitted in step (a). (c) The central vehicle-information management center transmits the computed fee and a request for confirmation to the vehicle. (d) The vehicle transmits a response to the central vehicle-information management center as to whether the user will effect insurance coverage.
102 Citations
16 Claims
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1. A method for collecting and processing information from a vehicle, the information being useful for providing a loss-insurance coverage, comprising:
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(a) automatically transmitting information from the vehicle to a central vehicle-information management center, the information including information regarding a position of the vehicle, information regarding control of the vehicle, information regarding states of parts of the vehicle, a type of the vehicle, and identification of a user of the vehicle;
(b) the central vehicle-information management center computing a utilization service fee based on the type of the vehicle and the identification of the user transmitted in step (a);
(c) transmitting the computed fee and a request for confirmation from the central vehicle-information management center to the vehicle; and
(d) transmitting a response from the vehicle to the central vehicle-information management center as to whether the user will effect insurance coverage.
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2. A method for collecting and processing information from a vehicle, the information being useful for computing a service fee for a loss-insurance, comprising:
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(a) automatically transmitting information from the vehicle to a central vehicle-information management center, the information including information regarding a position of the vehicle, information regarding states of the vehicle, and identification of a user of the vehicle;
(b) the central vehicle-information management center computing the service fee based on a type of the vehicle, the identification of the user and the information transmitting from the vehicle; and
(c) transmitting the computed service fee to the user. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
(e) monitoring car utilization time data and traveled route data by car onboard equipment and transmitting data regarding car utilization time and traveled route to the central vehicle-information management center;
(f) the central vehicle-information management center generating compound data based on the information received in step (e); and
(g) the central vehicle-information management center storing the data generated in step (f) and associating the data with the user.
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10. The method of claim 9, further comprising:
the central vehicle-information management center providing the data stored in step (g) to a loss insurance company.
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11. The method of claim 9, further comprising:
the central vehicle-information management center providing the data stored in step (g) to a fee computation outsourcing service company.
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12. The method of claim 11, further comprising:
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the fee computation outsourcing service company calculating an insurance premium for the user at least partially based on information provided by the central vehicle-information management center, including calculating a fee-computation-object time based on the driving time data, and calculating traveled-route data for known areas, unknown areas, and areas with a predetermined level of accidents based on the traveled route data.
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13. The method of claim 12, wherein the fee computation outsourcing service company calculates a lower premium when the traveled routes include known areas than when the traveled routes include unknown areas and areas with a predetermined level of accidents.
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14. The method of claim 2, wherein the information transmitting from the vehicle includes information of braking control and information of acceleration control.
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15. The method of claim 2, wherein the information transmitting from the vehicle includes information of a lubricant temperature, a battery voltage and a fuel condition.
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16. The method of claim 2, further comprising;
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(e) monitoring car utilization time data and traveled route data by car onboard equipment and transmitting data regarding car utilization time data and traveled route data to the central vehicle-information management center;
(f) the central vehicle-information management center generating compound data based on the information received in step (e); and
(g) the central vehicle information management center storing the data generated in step (f) and associating the data with the user.
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Specification