Vehicle insurance premium calculation system, on-board apparatus, and server apparatus
First Claim
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1. A vehicle insurance premium calculation system comprising:
- usage status detection means for detecting usage status of a vehicle;
data input means for inputting data relating to maintenance or management of said vehicle; and
insurance premium calculation means for calculating vehicle insurance premium based on said inputted data and results of said detection.
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Abstract
This system comprises a usage status detection means for detecting the usage status of a vehicle, data input means for inputting data relating to the maintenance or management of a vehicle, and insurance premium calculation means for calculating vehicle insurance premiums based on detection results and inputted data.
343 Citations
25 Claims
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1. A vehicle insurance premium calculation system comprising:
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usage status detection means for detecting usage status of a vehicle;
data input means for inputting data relating to maintenance or management of said vehicle; and
insurance premium calculation means for calculating vehicle insurance premium based on said inputted data and results of said detection. - View Dependent Claims (2, 3, 4, 5)
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6. A vehicle insurance premium calculation system comprising an on-board apparatus, maintenance data management means, and a server apparatus:
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wherein said on-board apparatus comprises;
usage status detection means for detecting usage status of a vehicle;
on-board sending means for sending at least data relating to said detected usage status;
on-board reception means for receiving at least data relating to insurance premiums; and
means for displaying said received data;
wherein said maintenance data management means comprises;
data input means for inputting at least data relating to maintenance or management of said vehicle; and
data sending means for sending at least data relating to maintenance or management of said vehicle; and
wherein said server apparatus comprises;
server side reception means for receiving data relating to said usage status and data relating to said maintenance or management of vehicle;
insurance premium calculation means for calculating vehicle insurance premiums based on said received data; and
server side sending means for sending data relating to said calculated insurance premiums to said on-board apparatus.
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7. A vehicle insurance premium calculation system comprising an on-board apparatus, maintenance data management means, and a server apparatus:
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wherein said on-board apparatus comprises;
usage status detection means for detecting usage status of a vehicle;
on-board input means for inputting data relating to maintenance or management of said vehicle from said maintenance data management means;
insurance premium calculation means for calculating vehicle insurance premiums based on results of said detection and data relating to maintenance or management of said vehicle;
on-board display means for displaying data relating to said calculated vehicle insurance premiums; and
on-board sending and reception means for sending at least data relating to said calculated vehicle insurance premiums;
wherein said maintenance data management means comprises;
data input means for inputting at least data relating to maintenance or management of said vehicle; and
output means for outputting at least data relating to maintenance or management of said vehicle; and
wherein said server apparatus comprises server side reception means for receiving at least data relating to said vehicle insurance premiums.
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8. On-board apparatus, comprising:
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usage status detection means for detecting usage status of a vehicle;
on-board sending means for sending at least data relating to said detected usage status;
on-board reception means for receiving at least data relating to insurance premiums; and
on-board display means for displaying said received data.
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9. On-board apparatus, comprising:
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usage status detection means for detecting usage status of a vehicle;
on-board input means for inputting data relating to the maintenance or management of said vehicle;
insurance premium calculation means for calculating vehicle insurance premiums based on results of said detection and data relating to maintenance or management of said vehicle; and
on-board display means for displaying data relating to said calculated vehicle insurance premiums.
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10. Server apparatus, comprising:
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server side reception means for receiving data relating to usage status of a vehicle and data relating to maintenance or management of said vehicle;
insurance premium calculation means for calculating vehicle insurance premiums based on said received data; and
server side sending means for sending data relating to said calculated insurance premiums.
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11. A vehicle insurance premium calculation method, comprising:
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a usage status detection step of detecting usage status of a vehicle;
a data input step of inputting data relating to maintenance or management of said vehicle; and
an insurance premium calculation step of calculating vehicle insurance premiums based on said detection results and said inputted data. - View Dependent Claims (12, 13, 14, 15, 17)
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16. A vehicle insurance premium calculation system, comprising:
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operation status detection means for detecting how a vehicle is operated by a driver;
status detection means for detecting passenger activation status of protection equipment for passengers;
insurance premium calculation means for calculating vehicle insurance premiums based on results of said detection; and
display means for displaying said calculated vehicle insurance premium for said driver.
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18. A vehicle comprising an on-board apparatus, said apparatus having:
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usage status detection means for detecting usage status of the vehicle;
on-board sending means for sending at least data relating to said detected usage status;
on-board reception means for receiving at least data relating to insurance premiums; and
on-board display means for displaying said received data.
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19. A vehicle comprising an on-board apparatus, said apparatus having:
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usage status detection means for detecting usage status of a vehicle;
on-board input means for inputting data relating to the maintenance or management of said vehicle;
insurance premium calculation means for calculating vehicle insurance premiums based on results of said detection and data relating to maintenance or management of said vehicle; and
on-board display means for displaying data relating to said calculated vehicle insurance premiums.
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20. A maintenance data management apparatus provided in a contract repair factory, said apparatus comprising:
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an inspection information input means for entering data relating to a maintenance or management of the vehicle; and
a sending means for sending data received from said inspection information input means.
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21. On-board apparatus, comprising:
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a processor;
a detector that detects usage status of a vehicle, connected to said processor;
a radio part that sends data from said detector or said processor, said radio part receiving data relating to insurance premiums, said radio part being connected to said processor;
a display connected to said processor. - View Dependent Claims (22)
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23. On-board apparatus, comprising:
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a detector that detects usage status of a vehicle;
an input device that accept the entry of inspection information from a contract repair factory a processor connected both of said detector and said input device, being calculating insurance premiums based on input data;
a display connected to said processor.
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24. A server that receives data relating to usage status of a vehicle and data relating to maintenance or management of said vehicle, comprising:
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a processor that calculates vehicle insurance premiums based on said received data; and
a radio part that sends data relating to said calculated insurance premiums.
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25. A vehicle insurance premium calculation system, comprising:
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a first detector that detects how a vehicle is operated by a driver;
a second detector that detects passenger activation status of protection equipment for passengers;
a processor that calculates vehicle insurance premiums based on results of said detections; and
a display connected to said processor.
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Specification
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Current AssigneeSony Corporation (Sony Group Corp.), Toyota Jidosha Kabushiki Kaisha (Toyota Motor Corporation)
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Original AssigneeToyota Jidosha Kabushiki Kaisha (Toyota Motor Corporation)
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InventorsSasaki, Makoto, Nakagawa, Shigeru, Mori, Kenji, Shinada, Akira, Nunokawa, Katsuhiko, Okajima, Hiroaki
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Application NumberUS10/083,566Publication NumberTime in Patent OfficeDaysField of SearchUS Class Current705/4CPC Class CodesG06Q 30/02 Marketing; Price estimation...G06Q 40/02 Banking, e.g. interest calc...G06Q 40/08 Insurance
