Method and system of calculating an automobile insurance premium using a smart card
First Claim
1. A method for calculating an automobile insurance premium using a smart card stored with motoring information, diagnosis information, and maintenance information of the automobile, comprising the steps of:
- (a) accessing an insurance company server through a communication network by an insurance applicant inserting said smart card into a predetermined terminal of a PC;
(b) selecting a type of an automobile insurance desired by an insurance applicant; and
(c) calculating an automobile insurance premium based on said motoring information, diagnosis information, and maintenance information stored in said smart card.
2 Assignments
0 Petitions
Accused Products
Abstract
Method and system for reasonably calculating an automobile insurance premium using a smart card stored with motoring information, diagnosis information, and maintenance information of the automobile are disclosed. An insurance applicant accesses an insurance company server through a communication network by inserting the smart card into a predetermined terminal of PC. Based on the motoring information, diagnosis information, and maintenance information stored in the smart card, the automobile insurance premium is calculated. An insurance information applet from the insurance company server is downloaded and stored into the smart card. The insurance information applet further comprises first-aid information inputted by the insurance applicant, and uses such first-aid information when the traffic accident occurs.
101 Citations
12 Claims
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1. A method for calculating an automobile insurance premium using a smart card stored with motoring information, diagnosis information, and maintenance information of the automobile, comprising the steps of:
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(a) accessing an insurance company server through a communication network by an insurance applicant inserting said smart card into a predetermined terminal of a PC;
(b) selecting a type of an automobile insurance desired by an insurance applicant; and
(c) calculating an automobile insurance premium based on said motoring information, diagnosis information, and maintenance information stored in said smart card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 11, 12)
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10. A system for calculating an automobile insurance premium using a smart card stored with motoring information, diagnosis information, and maintenance information of the automobile, comprising:
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a smart card control unit being installed in the automobile in which said smart card is insertable, extracting said motoring information and diagnosis information from electronic control units, mechanical control units, and sensors of said automobile, and storing them in said smart card;
a PC having access to the insurance company server through a communication network by said smart card being inserted into a predetermined terminal; and
an insurance company server being connected to said PC through a communication network, calculating the automobile insurance premium based on said motoring information, diagnosis information, and maintenance information stored in said smart card, downloading an insurance information applet to said smart card, and storing in the said smart card.
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Specification