본 발명은, 운행정보와 고객보험정보를 암호화된 전화번호를 키로 일치시켜 운행점수에 따른 보험료율을 산정하여 정보 노출을 최소화하면서도 운전습관 연계보험의 활용을 원활하게 유도할 수 있으며, 다양한 도로 조건에 따른 운행정보와 보험 손해율과의 상관관계를 나타내는 상관도를 정확하게 산출하여 운전습관에 따라 보험료율을 차등 할인하여 사고 가능성이 낮은 우량 고객을 유인하여 보험 손해율을 보다 낮출 수 있고, 운행점수에 따른 안전운전등급의 변동을 숫자 또는 변동을 반영하는 그래프로 다양하게 디스플레이하여 사용자가 자신의 운전 습관을 계량화된 숫자 또는 그래프로 인식할 수 있도록 하여 사용자의 안전 운전 의식을 고취시킬 수 있는, UBI 기반 보험료율 산정 시스템 및 그 방법을 제공한다.
The present invention provides a system and method for assessing a rate of premium based on UBI, capable of smoothly inducing the utilization of a driving habit-related insurance while minimizing the exposure of information by assessing the rate of premium according to a driving score by matching driving information and customer insurance information with an encrypted telephone number, reducing an insurance loss ratio by attracting a high customer with low accident possibility by differentially discounting the rate of premium according to a driving habit by accurately calculating a correlation representing correlation with the insurance loss ratio and the driving information according to various road conditions, and promoting a safe driving mind of the user by enabling the user to recognize his or her own driving habit as a measured number or graph by variously displaying the change of a safe driving level according to the driving score as a number or graph to reflect fluctuations.
UBI System and Method for Assessing Rate of Premium on Usage-Based Insurance
UBI 기반 보험료율 산정 시스템 및 그 방법
2018-01-30
Patent
Electronic Resource
Korean
IPC: | G06Q Datenverarbeitungssysteme oder -verfahren, besonders angepasst an verwaltungstechnische, geschäftliche, finanzielle oder betriebswirtschaftliche Zwecke, sowie an geschäftsbezogene Überwachungs- oder Voraussagezwecke , DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES / B60K Anordnung oder Einbau von Antriebseinheiten oder von Kraft- bzw. Drehmomentübertragungen in Fahrzeugen , ARRANGEMENT OR MOUNTING OF PROPULSION UNITS OR OF TRANSMISSIONS IN VEHICLES / B60W CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION , Gemeinsame Steuerung oder Regelung von Fahrzeug-Unteraggregaten verschiedenen Typs oder verschiedener Funktion |
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