Circular integrated service delivery system, method, and program

Abstract

We will build a circular integrated service platform that provides a circular integrated service delivery system that enables the arrangement of replacement vehicles based on a personality score and the reduction of vehicle transportation costs when a non-life insurance policyholder is involved in a car accident. [Solution] The cyclical integrated service provision system 4 according to the present invention comprises a replacement vehicle service system 5 equipped with multiple replacement vehicle stations 15 located throughout the country or in certain regions, which provide replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance via a network. The insured person's member terminal 1 is equipped with a function for receiving replacement vehicle usage services based on a personality score. The management server 7 is characterized in that, when the accident reception center terminal 9 receives a traffic accident notification from the member terminal 1 or the drive recorder 3, it performs real-time calculation of the personality score and has a replacement vehicle provision control unit 25 that controls the provision of a replacement vehicle based on the calculated personality score.

Description

Technical Field

[0001] The present invention relates to a circulation integration service providing system and its program, and is suitable for suppressing the cost of arranging a substitute vehicle based on a personality score and the transportation cost of an accident vehicle (for example, reducing the average substitute vehicle cost by 25% and shortening the wrecker arrangement time by 40%) when an insured person of property insurance has an automobile accident. It relates to a circulation integration service providing system.

Background Art

[0002] The compensation response for an automobile accident in general automobile insurance will be described. Conventionally, when an automobile accident occurs, the insured immediately contacts the accident reception center. The accident reception center is a service intermediary institution provided throughout Japan by the property insurance company as a contact point for the insured to receive compensation. The accident reception center receives a notice from the insured that a reason for receiving compensation has occurred, and further, the insured makes a request to the effect of requesting the provision of a service according to the situation. In response, the accident reception center searches whether the insured can receive a guarantee service, and the content and amount of the guarantee service, that is, searches the life and death of the insurance contract and the guarantee content such as compensable services and insurance amounts when the contract is valid. In the case of automobile insurance, it is searched whether the automobile insurance of the insured is within the contract period, and if it is within the contract period, whether services such as accident-related expenses and substitute vehicle expenses required for vehicle transportation and repair are included as special agreements in the collateral items, and further, if a special agreement is included, the insurance amount thereof is searched.

[0003] When the accident reception center obtains the search result of the guarantee content, it selects a service provider capable of providing a guarantee service based on the search result. For example, if vehicle transportation or repair is required, an automobile repairer or a road assistance provider is selected, if a substitute vehicle is required, a car rental company is selected, if accommodation is required, a hotel company is selected, if transportation is required, a taxi company is selected, and if it is necessary to store a vehicle that has become immovable, a parking lot management company, etc. is selected.

[0004] The accident reporting center may use the insured's current location as one of its search criteria. In other words, the service provider that can reach the insured's current location as quickly as possible and at the lowest cost is the one that can reach the insured's current location the fastest, which is usually the service provider located closest to the insured's current location. Needless to say, this does not apply to service providers with branches in various locations, such as nationwide road assistance companies. The number of service providers to search can be freely set to one or more, but searching for multiple providers allows for responses in cases of business closures or scheduling conflicts.

[0005] The insured person's current location can be detected using the smartphone's location tracking service (GPS).

[0006] Some insurance products include special clauses that cover the cost of towing vehicles for repair and the cost of a replacement vehicle during the repair period. However, even designated repair shops may not own towing vehicles or replacement vehicles. In such cases, towing and replacement vehicle services are outsourced, resulting in higher insurance payouts. Furthermore, if there are no designated repair shops near the accident site, the insured may choose an auto repair shop, which can lead to inflated towing and replacement vehicle charges, resulting in higher insurance payouts.

[0007] To address these challenges, a system has been proposed for easily selecting repair facilities that are suitable for the content of insurance products (Patent Document 1). Furthermore, a support device has been disclosed that configures processes according to the type of damage, includes a fraud detection unit that detects fraud when a damage event occurs, determines whether or not fraud exists in the event information, and deals with fraudulent claims for insurance payments (Patent Document 2). [Prior art documents] [Patent Documents]

[0008] [Patent Document 1] Japanese Patent Publication No. 2002-032576 [Patent Document 2] Patent No. 7254236 [Overview of the project] [Problems that the invention aims to solve]

[0009] In the aforementioned Patent Document 1, a company providing non-life insurance services on a nationwide scale faced the challenge of difficulty in selecting a repair facility that conforms to the content of the insurance product for every damage claim, resulting in higher insurance premium payments.

[0010] In the aforementioned Patent Document 2, when the coverage includes the arrangement of replacement vehicles or transportation services, even if superficial fraud can be detected by the system, there are cases where the insured and the auto repair shop do not respond appropriately at the on-site level, resulting in high insurance premium payments related to the costs of replacement vehicles and transportation.

[0011] To solve the aforementioned problems, the object of the present invention is to construct a circular integrated service platform and provide a circular integrated service provision system, method, and program that can reduce the costs of arranging a replacement vehicle based on a personality score and transporting the damaged vehicle when an insured person under non-life insurance causes a car accident. [Means for solving the problem]

[0012] The circular integrated service provision system according to the first invention of this invention is provided via a network A circular integrated service provision system is provided, and the circular integrated service provision system is, A replacement vehicle service system comprising multiple replacement vehicle stations located nationwide or in certain regions to provide replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance, a member terminal for the said insured persons, an accident reception center terminal, a drive recorder installed in the vehicle the said insured persons are riding in which the accident reception center terminal is notified of the occurrence of a traffic accident, and a management server, wherein the member terminal is, It is calculated based on medical checkup information, health checkup score information, social contribution score information, and point redemption information.The management server is equipped with a function for receiving a circular integrated service, including a replacement vehicle service based on the insured's personality score, and is characterized by comprising: a replacement vehicle provision control unit that performs real-time calculation of the personality score when the accident reception center terminal receives a traffic accident notification from the member terminal or the drive recorder and controls the provision of the replacement vehicle based on the calculated personality score; a database that stores various data including member management information, contract information including the replacement vehicle expense special clause of automobile insurance, personality score information, replacement vehicle provision control information, replacement vehicle station information, and replacement vehicle information; a list display unit that lists available replacement vehicles; a smart key release operation unit that releases the smart key of the replacement vehicle selected by the insured from the listed replacement vehicles via short-range wireless communication; and a blocking unit that blocks the smart key release operation if the personality score is below a threshold.

[0013] The circulating integrated service provision system according to the second invention of the present invention is the first invention, wherein the replacement vehicle station has at least a tow truck and a truck for transporting vehicles, and further comprises a passenger car, wagon, van, light truck, or a combination thereof. The replacement vehicle service system uses the vehicles provided at the replacement vehicle station as replacement vehicles to be provided to the insured. It is characterized by being present.

[0014] The third invention of the present invention relates to a circular integrated service provision system in which, in the first or second invention, the replacement vehicle station is equipped with a driver provision unit that assigns drivers for vehicle transportation. The driver provision unit provides drivers to transport the insured's accident vehicle or deliver the replacement vehicle. ru It is characterized by the following:

[0015] The fourth invention of the present invention provides a circular integrated service provision system, in the first invention, wherein the circular integrated service using the member terminal is further Register or manage medical health checkup information. Medical checkup services, Check the score information regarding the aforementioned personality score. Score confirmation service, To manage or grant point reward information.The system has a point reward service, and the management server comprises a medical health check collaboration unit that provides the medical health check service, a score management unit that provides the score confirmation service, and a point management unit that provides the point reward service, and the database comprises medical health check information, health check score information, score confirmation information, social contribution score information, and point reward information.

[0016] The fifth invention of the present invention relates to a circular integrated service provision method comprising: a replacement vehicle service system having multiple replacement vehicle stations located nationwide or in a specific region that provide replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance via a network; a member terminal of the insured person; an accident reception center terminal; a drive recorder installed in the vehicle the insured person is riding in that notifies the accident reception center terminal of the occurrence of a traffic accident; a management server; and a database storing various data including member management information, contract information including a replacement vehicle expense rider on automobile insurance, personality score information, replacement vehicle provision control information, replacement vehicle station information, and replacement vehicle information. ,before The member terminal is, It is calculated based on medical checkup information, health checkup score information, social contribution score information, and point redemption information. The system is equipped with a function for receiving a circular integrated service, including a replacement vehicle service based on the insured's personality score, and the management server is characterized by comprising: a replacement vehicle provision control step that, when the accident reception center terminal receives a traffic accident notification from the member terminal or the drive recorder, performs real-time calculation of the personality score and controls whether or not to provide the replacement vehicle based on the calculated personality score; a list display step that lists available replacement vehicles; a smart key unlock operation step that unlocks the smart key of the replacement vehicle selected by the insured from the listed replacement vehicles via short-range wireless communication; and a blocking step that blocks the smart key unlock operation if the personality score is below a threshold.

[0017] The cyclic integrated service provision program according to the sixth invention of the present invention provides a computer that, when the accident reception center terminal receives a traffic accident notification from a member terminal or drive recorder, Based on medical checkup information, health checkup score information, social contribution score information, and point redemption informationPerform real-time calculation of personality scores and provide a replacement vehicle based on the calculated personality scores Possibility A replacement vehicle providing control step for controlling the above, a listing display step for listing replacement vehicles of available vehicles, and among the listed replacement vehicles, a smart key release operation step for releasing the smart key of the replacement vehicle selected by the insured by short-range wireless communication connection, and a blocking step for blocking the smart key release operation when the personality score is below a threshold Make it run characterized by the above.

Effect of the Invention

[0018] According to the present invention having the configuration described above, a circulation integration service platform can be constructed, and when an insured of property insurance has an automobile accident, a circulation integration service providing system, method, and program capable of suppressing the arrangement of a replacement vehicle based on a personality score and the cost of transportation expenses of an accident vehicle can be realized. For example, according to the present invention, according to simulation, an effect of reducing the average replacement vehicle cost by 25% can be expected. Also, for example, according to the present invention, according to simulation, an effect of shortening the wrecking arrangement time by 40% can be expected.

Brief Description of the Drawings

[0019] The drawings show specific embodiments of the present invention according to the present disclosure, including not only essential configurations of the invention but also optional and preferred embodiments. [Figure 1] FIG. 1 is a schematic configuration block diagram of a communication network including a circulation integration service providing system to which the present invention is applied. [Figure 2] FIG. 2 is a diagram for explaining data processing between a member terminal 1 and a management server 7 in a circulation integration service providing system according to an embodiment of the present invention. FIG. 2(a) is a diagram showing a connection state between the member terminal 1 and the management server 7, FIG. 2(b) is a diagram showing an example of a display of a main menu screen of a circulation integration service providing application, and FIG. 2(c) is a schematic functional block diagram of a main part of the circulation integration service providing system. [Figure 3]Figure 3 is a conceptual diagram illustrating the characteristic replacement vehicle provision control of the present invention. [Figure 4] Figure 4 shows an example of a replacement vehicle station. [Figure 5] Figure 5 is a schematic flowchart illustrating the process of arranging a replacement vehicle and transportation for compensation claims under automobile insurance. [Figure 6] Figure 6 shows an example of the top menu screen of the cyclical integrated service provision application of the present invention. [Figure 7] Figure 7 shows an example of a dashboard for a circular integrated service delivery application. [Figure 8] Figure 8 shows an example of the rental car menu screen when the rental car tab in Figure 7 is clicked. [Figure 9] Figure 9 shows an example of the health checkup and medical treatment menu screen when the health checkup and medical treatment tab in Figure 7 is clicked. [Figure 10] Figure 10 shows an example of the score confirmation menu screen that appears when the score confirmation tab in Figure 7 is clicked. [Figure 11] Figure 11 shows an example of the resale and purchase menu screen when the resale and purchase tab in Figure 7 is clicked. [Figure 12] Figure 12 shows an example of the points redemption menu screen when the points redemption tab in Figure 7 is clicked. [Figure 13] Figure 13 shows the flowchart for handling an accident. [Figure 14] Figure 14 is a flowchart showing the steps of system change based on health check scores (HS). [Figure 15] Figure 15 is a flowchart of the return steps based on the Social Contribution Score (GP). [Figure 16] Figure 16 shows the processing flowchart for the resale upgrade step. [Figure 17] Figure 17 shows the family score linkage and reward step processing flowchart. [Figure 18] Figure 18 shows the processing flowchart for the AI ​​suggestion / action guidance step. [Modes for carrying out the invention]

[0020] The embodiments illustrated below, applying the present invention, will be described with reference to the drawings.

[0021] <Embodiment> <Overview of Embodiments> The embodiments will be described in detail below with reference to the attached drawings. In this example, publicly known technologies will not be explained. Furthermore, the structures and methods described are illustrative examples for realizing the technical idea of ​​the invention, and the technical idea of ​​the present invention is not limited to those described below. The technical idea of ​​the present invention can be modified in various ways within the scope of the claims. In particular, it should be noted that the drawings are schematic and may differ from reality. The embodiments represent the most preferred form of the invention, and the invention is not limited thereto.

[0022] The circular integrated service provision system of Embodiment 1 comprises a replacement vehicle service system that has multiple replacement vehicle stations located nationwide or in certain regions that provide replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance via a network, a member terminal of the insured person, an accident reception center terminal, a drive recorder installed in the vehicle the insured person is riding in which the accident reception center terminal is notified of the occurrence of a traffic accident, and a management server, wherein the member terminal has a function to receive circular integrated services, including replacement vehicle usage services based on the insured person's personality score, and the management server receives traffic accident information from the member terminal or the drive recorder when the accident reception center terminal receives traffic accident information from the member terminal or the drive recorder. The system is characterized by comprising: a replacement vehicle provision control unit that, upon receiving notification of an incident, performs real-time calculation of the personality score and controls the provision of the replacement vehicle based on the calculated personality score; a database that stores various data including member management information, contract information including the replacement vehicle expense special clause of automobile insurance, personality score information, replacement vehicle provision control information, replacement vehicle station information, and replacement vehicle information; a list display unit that lists available replacement vehicles; a smart key release operation unit that unlocks the smart key of the replacement vehicle selected by the insured from the listed replacement vehicles via short-range wireless communication; and a blocking unit that blocks the smart key release operation if the personality score is below a threshold. This enables the construction of a circular integrated service platform, and realizes a circular integrated service provision system, method, and program that can arrange replacement vehicles based on personality scores and reduce the cost of transporting the damaged vehicle when an insured person of a non-life insurance policy causes an automobile accident.

[0023] The most effective configuration is characterized in that the replacement vehicle station has at least a tow truck and a truck for transporting vehicles, and further has a passenger car, wagon, van, light truck, or a combination thereof. The replacement vehicle station is also characterized in that it has a driver provision unit for assigning drivers for transporting vehicles. As a result, a replacement vehicle service system (replacement vehicle platform) with multiple replacement vehicle stations located nationwide or in certain regions, which provide replacement vehicles to insured persons with the replacement vehicle expense rider of their automobile insurance, can be provided by, for example, a non-life insurance company, thereby deterring fraudulent claims for replacement vehicle expenses by insured persons under the replacement vehicle expense rider of their automobile insurance.

[0024] Figure 1 is a schematic block diagram of a communication network system including a circular integrated service provision system to which the present invention is applied. Figure 2 is a diagram illustrating data processing between a member terminal 1 and a management server 7 in a circular integrated service provision system according to an embodiment of the present invention, where Figure 2(a) shows the connection status between the member terminal 1 and the management server 7, Figure 2(b) shows an example of the display of the main menu screen of the circular integrated service provision application, and Figure 2(c) is a schematic functional block diagram of the main part of the circular integrated service provision system.

[0025] In Figure 1, the communication network system shows a configuration in which multiple member terminals 1 and 2, a drive recorder 3, a circular integrated service provision system 4, and a replacement vehicle service system 5 are connected to the cloud 6, and a management server 7, an LLM server 8, an accident reception center terminal 9, a non-life insurance company terminal 10, a law firm terminal 11, a hospital terminal 13, and a nursing care service system 14 are also connected to the cloud 6. The connection method of the communication network is not limited to this; if member terminal 1 is a mobile terminal, it may be connected to the network via a mobile communication line. Connection may also be made via WiFi (registered trademark) or Bluetooth (registered trademark).

[0026] Drive recorder 3 is a device that notifies the accident reception center terminal 9 of the occurrence of a car accident. If drive recorder 3 is subscribed to a drive recorder accident response service compatible with non-life insurance companies, when it detects a strong impact (detects the occurrence of an accident), it will automatically notify the accident reception center, process the accident, support appropriate on-site response, and the AI ​​can recreate the accident situation and automatically share it with the accident officer, reducing the burden on the customer. If the drive recorder has an internet communication function provided by each manufacturer, it will be automatically uploaded to the cloud, so the insured can operate member terminal 1 and provide the insurance company with still images and videos of the accident stored in the cloud.

[0027] The cyclical integrated service provision system 4 of the present invention is cloud-connected to member terminals 1 and 2 and a management server 7, enabling the provision of cyclical integrated services. Here, the cyclical integrated services include, but are not limited to, a replacement vehicle service, a medical check-up service, a score confirmation service, and a point reward service based on the insured person's personality score (PRS). These cyclical integrated services can be received by installing a cyclical integrated service provision application on member terminal 1 or by connecting via the Web in the form of a web application. The management server 7 provides replacement vehicle services using replacement vehicle stations 15 under the control of the replacement vehicle provision control unit 25.

[0028] The replacement vehicle service system 5 has multiple replacement vehicle stations (see Figure 4) located throughout the country or in certain regions, enabling the provision of replacement vehicles and transportation arrangements near the accident site for the insured.

[0029] Cloud 6 is designed to ensure that all devices receiving integrated circular services are connected online.

[0030] The management server 7 controls the entire cyclical integrated service provision system 4.

[0031] LLM Server 8 is a general-purpose generative AI that supports incident response. The communication control layer between LLM Server 8 and Management Server 7 encrypts the communication path (TLS 1.3) and employs an authentication token issuance method (OAuth 2.0). Incident data is anonymized (e.g., using SHA-256 hashing). These measures ensure security.

[0032] Accident reception center terminal 9 is a terminal installed at the accident reception center and is used for handling accident reports. Accident reports can be handled automatically or by an operator. Accident reception centers are service intermediary organizations established by non-life insurance companies throughout Japan as contact points for insured persons to receive compensation.

[0033] The non-life insurance company terminal 10 is a terminal installed at a non-life insurance company and is used for handling non-life insurance claims and receiving accident reports from insured persons.

[0034] Law firm terminal 11 is a terminal for contacting a lawyer when legal expense coverage is added to the automobile insurance policy.

[0035] The hospital terminal 13 is a terminal installed in chiropractic clinics and other facilities that treat injuries resulting from accidents, whiplash, etc. In Figure 1, one representative example of the hospital terminal 13 is shown; in reality, multiple medical institutions each have one or more medical terminals 13 installed. The hospital terminal 13 adopts medical data exchange standards such as HL7 FHIR / FHIR-JP to enable data linkage and interoperability of medical health checkup data. This enables seamless data linkage with the long-term care service system 14 and hospital terminals 13 at other medical institutions. The management server 7 can acquire medical health checkup data via the cloud 6 and the hospital terminal 13. For example, HL7 FHIR utilizes web technologies (such as APIs) to enable real-time data access. The data format uses text-based data formats such as JSON and XML.

[0036] The care service system 14 extends the cyclical integrated service provision system 4 and utilizes the aforementioned replacement vehicle service for transporting users of non-life insurance care services, thereby reducing the total cost of replacement vehicle expenses. Furthermore, since the care service system 14 adopts medical data exchange standards such as HL7 FHIR / FHIR-JP, it can link data with hospital terminals 13 and medical health check data, and utilize the medical health check data of care recipients for daily care services.

[0037] Member terminal 1 can be a mobile device such as a smartphone, a tablet PC, or a touch-input computer. The insured person can use the API specification (REST / JSON structure) for social contribution activity logs such as donations and cleaning from member terminal 1 and provide social contribution data (GP data) to the management server 7.

[0038] In Figure 2(a), the member terminal 1 and the management server 7 are connected to the cloud, enabling the realization of the circular integrated service provision system 4.

[0039] In Figure 2(b), the circulating integrated service provision application installed on member terminal 1 includes a replacement vehicle usage menu 21, a medical check-up menu 22, a score confirmation menu 23, and a point redemption menu 24.

[0040] The replacement vehicle service menu 21 indicates a function for receiving a circular integrated service that includes replacement vehicle services based on at least the insured's personality score (PRS).

[0041] Medical checkup menu 22 indicates a menu that integrates medical checkup services into the cyclical integrated service. When an insured person undergoes a checkup, a health checkup score (HS) is calculated, and the score applied to the system and the details of the benefits are visualized based on the health checkup score.

[0042] Score confirmation menu 23 shows a menu that integrates the score confirmation service into the circular integration service, and allows users to view detailed personality scores (PRS), detailed social contribution scores (GP), and apply for re-evaluation.

[0043] Point reward menu 24 indicates a menu that integrates the point reward service into the circular integrated service, and allows for the display of social contribution score (GP), i.e., Gaia point balance, point reward status, and history.

[0044] When these functions are applied to a mobile device (smartphone) as member terminal 1, no special machinery or equipment is required; only the installation of the integrated circular service provision application on the standard hardware of the mobile device (iPhone® or Android® device) is necessary. These functions may also be contained within the management server 7, configuring a browser-based system for the mobile device. In that case, under the control of the management server 7, the insured person may launch the browser on member terminal 1, log in to the management server 7 from the browser, display screens sent from the management server 7 to input information, answer questionnaires, and control the provision of integrated circular services. Voice input and camera image input from the member terminal may also be used in these interactions.

[0045] In Figure 2(c), the management server 7 includes a replacement vehicle provision control unit 25, a medical and health check-up coordination unit 26, a score management unit 27, a point management unit 28, and a database 29.

[0046] When the accident reception center terminal 9 receives a traffic accident notification from the member terminal 1 or the drive recorder 3, the replacement vehicle provision control unit 25 performs real-time calculation of the personality score (PRS) and controls the provision of a replacement vehicle based on the calculated personality score (PRS) value. Furthermore, if we define the insured person's personality score as PRS, the health check score as HS, and the social contribution score as GP (Gaia Point), then the safe driving coefficient and accident history correction are taken into account and calculated using the following arithmetic formula. PRS = α × Safe Driving Factor + β × Accident History Correction + γ × HS + δ × GP Here, α, β, γ, and δ are coefficients, and α + β + γ + δ = 1. The Personality Score (PRS) is calculated considering the insured's driving behavior and accident history, so the PRS value obtained after correcting for the insured's accident history is the result of the calculation.

[0047] The Medical and Health Checkup Collaboration Department (26) provides medical and health checkup services.

[0048] The score management unit 27 provides a score confirmation service.

[0049] The Point Management Department 28 provides a point reward service.

[0050] Database 29 stores various data, including the insured's membership management information, contract information including the replacement vehicle expense rider for the insured's automobile insurance, the insured's personality score (PRS) information, the insured's health check score (HS) information, the insured's social contribution score (GP) information, replacement vehicle provision control information, replacement vehicle station information, replacement vehicle information, the insured's medical check information, the insured's health check score information, the insured's score confirmation information, the insured's social contribution score information, and the insured's point redemption information.

[0051] Figure 3 is a conceptual diagram illustrating the characteristic replacement vehicle provision control of the present invention, and Figure 4 shows an example of a replacement vehicle station. The replacement vehicle provision control of the circulating integrated service provision system 4 will be described below with reference to Figures 3 and 4.

[0052] In Figure 3, a replacement vehicle service system 5 is provided, consisting of multiple replacement vehicle stations (e.g., A, B, C, ...) 15 located nationwide or in specific regions, which provide replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance policy via a network. This is set up as a cyclical integrated service platform. For example, a non-life insurance company operates the replacement vehicle service system 5, but the operation may be carried out by a separate organization.

[0053] As shown in Figure 3, when a vehicle driven by the insured is involved in an accident, the drive recorder 3 detects the impact, notifies the insured, and automatically notifies the accident reception center terminal 9. The accident reception center terminal 9, upon receiving the accident notification, sends an email notification to the member terminal 1. The insured checks the notification email received on the member terminal 1, launches the integrated service provision app, and applies for a replacement vehicle from the replacement vehicle usage menu 21. The replacement vehicle station 15 near the accident site can be found using GPS location services if the member terminal 1 is, for example, a smartphone.

[0054] As shown in Figure 4, the replacement vehicle station 15 has at least a tow truck and a truck for transporting vehicles, and further includes a passenger car, wagon, van, light truck, or a combination thereof. The replacement vehicle station 15 also has a driver provision unit for assigning drivers for vehicle transport. The driver provision unit is implemented as a function of the management server 7.

[0055] Figure 5 is a flowchart illustrating the general flow of vehicle replacement arrangements and transportation procedures in automobile insurance compensation. The following explanation will use Figure 5 to describe the flow of compensation in automobile insurance.

[0056] First, when a car accident occurs (step 701), the accident is notified to the accident reception center terminal 9 (step 702). The insured person who caused the accident handles the accident (contacting the police, creating an accident report) (step 703) and reports the accident to the accident officer of the non-life insurance company (step 704). As a result of the accident report (step 704), if the replacement vehicle expense rider of the automobile insurance is confirmed to be valid, arrangements are made for a replacement vehicle for the insured person and transportation of the damaged vehicle (step 705). Previously, this arrangement of a replacement vehicle and transportation was sometimes left to the insured person, but in this invention, the arrangement of a replacement vehicle and transportation is changed to be made using the replacement vehicle service system 5 provided by the non-life insurance company. This makes it possible to arrange a replacement vehicle and transportation at a low cost, and has the effect of deterring inflated claims that can become a breeding ground for fraudulent claims. The configuration of the replacement vehicle service system is the same as that of a car-sharing system, so even if you are not an insured person, you can use the replacement vehicle as a car-sharing service if you register as a member. This makes it possible to increase the utilization rate of the replacement vehicle service system 5. Furthermore, by coordinating the use of substitute vehicle services and driver assignments for transporting users of care service systems such as day care services (14), the utilization rate of the substitute vehicle service system (5) can be further increased, thereby enhancing the effect of suppressing the total cost of substitute vehicle payments in automobile insurance.

[0057] Since Member Terminal 1 is a typical mobile communication terminal, the diagram is omitted and the hardware configuration example is described. The computer configuration of Member Terminal 1 includes a CPU, HDD, non-volatile memory such as ROM, main memory such as D-RAM, a display, a software keyboard, a communication interface, a camera, a microphone, and a speaker, all connected to the system bus. The mobile communication terminal has a touchscreen display screen, a circular integrated service provision application icon, a front camera, multiple rear cameras, a microphone, a speaker, and a flash. Access by the mobile communication terminal is selectively connected to the network as appropriate depending on the communication environment, such as 3G, 4G, 5G mobile wireless network services or WiFi® wireless connection.

[0058] Member terminals (e.g., mobile communication terminals) 1 can log in to management server 7 via a communication network such as the internet through a communication interface. Login authentication is performed using the email address and password used during registration. If a user (service member) registers with an SNS email address, login authentication is performed using the email address and password of each SNS.

[0059] Figure 6 shows an example of the top menu screen of the integrated circular service provision application of the present invention. In the example in Figure 6, the integrated circular service provision application is implemented as a web application, and an example of the dashboard screen of the insured's member terminal 1 is shown.

[0060] As shown in Figure 6, the top menu displays the member ID "SP000123", member name "Sonpo Taro", insurance contract status "Valid", remaining days "200", health check score (HS) "○○○", personality score (PRS) "△△△", social contribution score (GP) "×××", etc. The circular integrated service is provided under the online control of management server 7. The above scores are numerical values ​​calculated in the range of 0-100. The top menu in Figure 6 shows the top menu screen of the top tab. The upper right corner of the screen shows the member ID and indicates that the user is logged in. The "Message" icon allows the user to send a message to the insurance company representative. There are also check buttons for adding member information and notifying the representative when information is downloaded.

[0061] Figure 7 shows an example of the dashboard for a circular integrated service provision application. In the example in Figure 7, an example of the car insurance menu screen for the car insurance tab is shown. The rental car tab, health checkup tab, score confirmation tab, resale buyback tab, and point reward tab are shown as examples, but they can be added or changed as needed. In addition, tabs for other insurance products offered by other non-life insurance companies, such as fire insurance, accident insurance, liability insurance, golfer's insurance, and travel accident insurance, can also be set up.

[0062] Figure 8 shows an example of the loaner vehicle usage menu screen when the loaner vehicle usage tab in Figure 7 is pressed. In the example in Figure 8, the loaner vehicle usage menu 21 includes options such as displaying available loaner vehicle candidates, displaying a blocking message due to insufficient personality score (PRS), and unlocking the smart key.

[0063] Figure 9 shows an example of the health checkup and medical menu screen when the health checkup and medical tab in Figure 7 is clicked. In the example in Figure 9, the medical checkup menu 22 displays the last checkup date, health checkup results, next appointment booking, discount status, etc.

[0064] Figure 10 shows an example of the score confirmation menu screen when the score confirmation tab in Figure 7 is clicked. In the example in Figure 10, the score confirmation menu 23 includes options such as checking the Social Contribution Score (GP) value, checking the breakdown, and applying for re-evaluation.

[0065] Figure 11 shows an example of the resale and purchase menu screen when the resale and purchase tab in Figure 7 is clicked. In the example in Figure 11, the resale and purchase menu includes options such as displaying the purchase price, detailed appraisal information, and making a sale reservation.

[0066] Figure 12 shows an example of the points reward menu screen when the points reward tab in Figure 7 is clicked. In the example in Figure 12, the points reward menu 24 includes options such as Social Contribution Score (GP) balance, this month's rewards, and history display.

[0067] Figure 13 is a flowchart of the process in the event of an accident. The following explanation of the replacement vehicle service provided by the replacement vehicle provision control unit 25 will use Figure 13 to describe the service.

[0068] Database 29 pre-stores various data, including member management information, contract information including the special clause for replacement vehicle expenses in automobile insurance, personality score information, replacement vehicle provision control information, replacement vehicle station information, and replacement vehicle information, and updates them as needed in response to changes in the situation.

[0069] First, when the accident reception center terminal 9 receives a traffic accident notification from the member terminal or drive recorder 3, it performs a real-time calculation of the personality score (step 101), and the replacement vehicle provision control unit 25 controls the provision of a replacement vehicle based on the calculated personality score (PRS) (step 102). The list display unit lists and displays the available replacement vehicles (step 103). Next, the smart key unlock operation unit unlocks the smart key of the replacement vehicle selected by the insured from the list displayed by the list display unit via short-range wireless communication (step 104). In addition, if the personality score (PRS) is below a threshold (for example, a PRS value of 30), the blocking unit blocks the smart key unlock operation and notifies the insured of the reason for blocking and suggested improvements (step 105). The personality score (PRS) is an indicator of the insured's driving characteristics, and if this PRS value is low, there is a high possibility of causing another accident, so suggestions for improvement are provided.

[0070] Figure 14 is a flowchart of the steps for system change based on the health check score (HS). Using Figure 14, we will explain the medical health check services provided by the Medical Health Check Collaboration Department 26.

[0071] First, the Medical Health Checkup Collaboration Department 26's collaboration function automatically retrieves the health checkup results of insured persons from the hospital terminal 13 (Step 201). The health checkup results are analyzed, a health checkup score (HS) is calculated, and the system is applied (benefits such as insurance premium discounts / changes in the grade of replacement vehicles) (Step 202). Next, the health checkup score (HS) and the details of the point redemption are visualized on the user interface (UI) (Step 203). Finally, a UI for guiding the user to make a next health checkup reservation is displayed (Step 204).

[0072] Figure 15 is a flowchart of the point redemption steps based on the Social Contribution Score (GP). The point redemption service provided by the Point Management Department 28 will be explained below using Figure 15.

[0073] First, when an insured person records social contribution activities such as cleaning and donations in the integrated circular service provision app (step 301), the point management unit 28 calculates a social contribution score (GP) and displays a reward UI corresponding to the threshold (step 302). Next, it automatically displays discounts on medical expenses and insurance premiums (step 303). Then, it displays a guidance UI such as "You need XX points more to reach the next reward" (step 304).

[0074] Figure 16 is a processing flowchart for the resale upgrade step. The resale upgrade service provided by the resale upgrade unit (not shown) will be explained below using Figure 16.

[0075] First, the resale upgrade unit (not shown in the diagram) calculates the resale price based on the accident vehicle's usage history and score (PRS value / GP value) (Step 401). Next, the resale price and reason for the assessment are displayed on the insured's app screen (Step 402). Clicking the "Reserve Sale" button displayed on the app screen displays a UI for scheduling vehicle pickup (Step 403), and after completion, a payment confirmation + renewal proposal UI is displayed, prompting the user to proceed with renewing their auto insurance (Step 404).

[0076] Figure 17 is a flowchart showing the processing of family score linkage and reward steps. The score confirmation service by the score management unit 27 will be explained below using Figure 17.

[0077] The insured person registers family members and sets up score sharing from the app screen (Step 501). Next, the score management unit 27 automatically calculates the family score (FS) (Step 502) and displays premium discounts and contract preferential conditions on the insured person's app screen (Step 503). Next, it proposes score improvement actions (e.g., family community cleanup / joint donation, etc.) (Step 504). In proposing score improvement actions, the AI ​​proposal model is mathematically formulated as an adaptive type based on "reinforcement learning" or "stochastic gradient method". For example, for an action selection a ∈ A (where A is the set of possible actions), the reward R is calculated using the following formula, and the optimal policy π*(a) is learned. Reward R = ΔPRS + ΔGP Here, ΔPRS represents the gradient of the personality score PRS, and ΔGP represents the gradient of the social contribution score GP. This represents a behavioral guidance UX algorithm that combines psychology and AI.

[0078] Furthermore, the score management unit 27 may use a blue-green UI color scheme to emphasize safety and reliability when the PRS value is high. Conversely, when the PRS value is low, it may use a gray-red UI color scheme to emphasize caution. In addition, the score management unit 27 may display messages such as "Your contributions have been recognized" when the insured person is in the Approval level of Maslow's hierarchy, and messages such as "Your insurance premiums will be discounted if you undergo a health checkup" when the insured person is in the Safety level.

[0079] Figure 18 is a processing flowchart of the AI ​​proposal / action guidance step. Below, we will explain the AI ​​proposal service by the AI ​​proposal unit (not shown) using Figure 18. First, the AI ​​proposal unit (not shown) determines the social responsibility score (SRS) from the PRS value, HS value, and GP value (step 601). The AI ​​proposal unit receives a three-axis vector of PRS value, HS value, and GP value as input and calculates the social responsibility score (SRS) using a neural network (multilayer perceptron). If the social responsibility score is denoted as SRS, it can be calculated using the following formula. SRS = f(PRS, HS, GP, behavioral history, time factor) Next, the feasibility of the system and preferential treatment conditions are displayed according to the situation (Step 602). Then, UI options such as [Select], [Improve], and [Re-evaluate] are presented according to the proposed content (Step 603).

[0080] The UI in this embodiment is not merely an operating interface, but has the following characteristics through a "linked UX" with scores, behaviors, and systems: Trust and contributions can be scored and institutionally rewarded. Furthermore, it can create an infrastructure-type UX that connects with society as a whole by automatically determining, notifying, and supporting re-evaluation of system approval / rejection. In addition, by linking with families, local governments, and AI, the added value of insurance contracts can be enhanced.

[0081] Furthermore, as an extension, a "blockchain ledger" or a "trust record structure" may be added. For example, the system may be configured to verify and store personality scores (PRS), social contribution scores (GP), and resale prices using smart contracts. Alternatively, each transaction may be recorded as an untamper-proof log on the blockchain ledger.

[0082] <Effects of the Embodiment> In the above embodiment, a circular integrated service platform can be constructed, enabling the realization of a circular integrated service provision system, method, and program that can reduce the costs of arranging a replacement vehicle based on a personality score and transporting the damaged vehicle when a non-life insurance policyholder causes a car accident. For example, according to simulations, this embodiment is expected to reduce the average replacement vehicle cost by 25%. Also, according to simulations, this embodiment is expected to reduce the towing time by 40%.

[0083] Although embodiments have been described in detail above, the invention is not limited to any particular embodiment, and various modifications and changes are possible within the scope described in the claims. Furthermore, it is possible to combine all or more of the components of the embodiments described above.

[0084] Based on the core functions of the present invention, such as PRS (Personality Score) - based replacement vehicle provision control, HS (Health Check Score)·GP (Social Contribution Score) linkage, FS (Family Score), AI proposal / behavior guidance, and resale upgrade, the key points of changes from the past to the present and future are shown in 30 cases. <By industry type: 30 cases (problems → improvements)> <A. Property insurance·accident response (1 - 6)> <1. Automobile insurance: replacement vehicle fraud·inflated claims> Past / present: For each accident scene, leaving it to the contractor results in high costs and a breeding ground for fraud. Future (this patent): Use PRS to control smart key unlocking, and block and provide improvement proposals when below the threshold. Replacement vehicles are listed on the UI and standardized at low cost. <2. Road assist: arrival delay> Past / present: Scattered arrangers lead to delays and additional costs. Future: A network of replacement vehicle stations + standby wreckers / trucks for rapid vehicle dispatch. <3. Standardization of insurance premium payments> Past / present: Variations in payments depending on the region / responsible person. Future: Systematically suppress payment costs through standardization of replacement vehicle arrangement ~ transportation flow. <4. Hollowing out of post - accident behavior improvement> Past / present: Lack of continuous recurrence prevention guidance. Future: When the PRS is low, block and present improvement actions on the UI → re - evaluation. [[ID=​​​​​​​​​​​​​​​​​​Future: Automatically obtain the physical examination results from the hospital terminal → HS calculation → Apply discounts → Induce the next reservation. <8. Lack of incentives for improving lifestyle> Past / Current: The continuity of app guidance is weak. Future: AI suggestions present improvement actions from HS / PRS / GP and are immediately reflected in insurance, chauffeur grades, etc. <9. Burden of transporting the elderly> Past / Current: The procurement cost and schedule adjustment of hospital transportation are burdensome. Future: The cooperation between nursing services and chauffeur platforms increases the operation rate and suppresses transportation costs. <10. Visualization of mental / behavioral hygiene> Past / Current: The evaluation in insurance is ambiguous. Future: Integrate actions, donations, medical visits, etc. into the social responsibility score for individual optimal guidance.

[0086] <C. Mobility, Retail, Sharing (11 - 15)> <11. Wear and tear and accident rate of rental cars / car sharing> Past / Current: User screening is rough. Future: Suppress high-risk users with PRS-linked unlocking control and optimize liability / deposit. <12. Accident costs of store delivery / EC same-day delivery> Past / Current: Damage is uneven due to differences in driving manners. Future: Reflect the PRS of delivery drivers in vehicle allocation and vehicle grades to reduce accidents and insurance premiums. <13. Black box for used car appraisal> Past / Current: The reasons for appraisal are opaque. Future: Calculate the resale price from PRS / GP and usage history → Display on the screen, with a consistent UI from selling reservation to re-contract proposal. <14. Linkage with local contribution of shopping> Past / Current: Points only promote consumption. Future: Display the GP (social contribution score) balance and reduction history on the UI, and reduce insurance and medical expenses through local cleaning / donations. <15. Response in case of accident during tourism / MaaS> Past / Current: Chauffeur / transportation at the tourist destination is slow. Future: Nearby vehicle allocation and instant UI unlocking through cooperation between national stations and accident reception.

[0087] <D. Public, Local Government, Care (16 - 20)> <16. Transfer and Vehicle Ensuring during Disasters> Past / Current: Vehicle deployment and personnel arrangement are separated. Future: Support deployment at stations including driver supply sections, preferential treatment for volunteers with FS / GP. <17. Support for Returning Driver's Licenses of the Elderly> Past / Current: Anxiety about means of transportation after return. Future: GP acquisition actions (such as area cleaning) → special privilege UI → transfer discount to give peace of mind in mobility. <18. Safety of School and Club Transfers> Past / Current: Safety differences in driving by PTA volunteers. Future: Manage driver PRS with thresholds, vehicle unlocking is not allowed below a certain level + improvement guidance. <19. Social Implementation of Regional Points> Past / Current: Local government points focus on consumption linkage. Future: Direct GP to social system UX that links to insurance premiums, medical expenses, and substitute vehicle grades. <20. Optimization of Welfare Transfer Operations> Past / Current: Shortage of vehicles / drivers. Future: Level off the number of vehicles through cooperation with the care system and improvement of substitute vehicle operation rates.

[0088] <E. Enterprise, ESG, Personnel (21 - 24)> <21. Company Vehicle Accidents and Insurance Premium Hikes> Past / Current: The effects of safety training are limited. Future: Visualize by driver with PRS dashboard, AI proposal and re - evaluation loop for those with low PRS. <22. Difficulty in Quantifying ESG Activities> Past / Current: Cleaning / donations are difficult to be linked to evaluation. Future: Calculate GP from activity logs → special privilege UI → visualize all the way to medical / insurance discounts. <23. Employment Considerations after Accidents> Past / Current: Focus on disposal and lack of improvement process. Future: Notice of improvement plan upon interruption → Integration of re-evaluation application into the corrective measures on the personnel side. <24. Formalism of compliance education> Past / Present: Annual group training. Future: AI proposals will present improvement actions according to individual behaviors each time and reflect them in the scores.

[0089] <F. Financial and insurance product development (25 - 27)> <25. Uniform design of UBI (usage-based insurance)> Past / Present: It is difficult to reflect behavior quality with mileage as the center. Future: Dynamically optimize rates, exemptions, and benefits with a multi-dimensional score of PRS × HS × GP. <26. Difficulty in differentiating medical contracts> [[ID=第十九]] Past / Present: Discount conditions are rigid. Future: Immediately reflect the application of the HS system (discount / grade change). <27. Uniformity of group discounts for families> Past / Present: Only age / relationship. Future: Simultaneously improve contract renewal rates and safe behaviors with preferential conditions based on FS.

[0090] <G. Travel, accommodation, and events (28 - 30)> <28. Trip interruption due to rental car accidents> Past / Present: Stopped by arrangements and payments. Future: Incident reception → PRS calculation → Vehicle allocation at nearby stations → UI consistency until unlocking, minimizing trip interruptions. <29. Temporary transportation for large events> Past / Present: Difficult to respond to sudden increases in demand. Future: Immediately enhance temporary transportation by leveling the operation rate of the substitute car platform. <30. Visualization of the regional contribution of tourist destinations> Past / Present: Volunteer work and donations are buried. Future: Promote social participation of tourists by visualizing GP reduction on the screen and cooperate with local infrastructure.

Explanation of symbols

[0091] 1, 2 Member terminals 3. Dashcam 4. Circular Integrated Service Provision System 5. Replacement vehicle service system 6 Cloud 7. Management Server 9. Accident Reporting Center Terminal 15 Replacement Car Station 25 Replacement Vehicle Provision Control Unit

Claims

1. A circular integrated service provision system provided via a network, The aforementioned circular integrated service delivery system is A replacement vehicle service system that provides replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance, and has multiple replacement vehicle stations located throughout the country or in certain regions. The insured person's member terminal, Accident reporting center terminal, A drive recorder installed in the vehicle in which the insured is riding notifies the accident reception center terminal of the occurrence of a traffic accident, Management server and Equipped with, The aforementioned member terminal is It is equipped with a function to receive a circular integrated service, including a replacement vehicle service, based on the personality score of the insured person, which is calculated based on medical checkup information, health checkup score information, social contribution score information, and point redemption information. The aforementioned management server When the accident reception center terminal receives a notification of a traffic accident from the member terminal or the drive recorder, it performs real-time calculation of the personality score and controls the provision of the replacement vehicle based on the calculated personality score, and A database that stores various data including member management information, contract information including the special clause for replacement vehicle expenses in automobile insurance, personality score information, replacement vehicle provision control information, replacement vehicle station information, and replacement vehicle information, A list display unit that lists available replacement vehicles, A smart key unlocking operation unit that unlocks the smart key of the replacement vehicle selected by the insured from the list of replacement vehicles via short-range wireless communication, If the personality score is below a threshold, a blocking unit blocks the smart key unlocking operation. A circular integrated service provision system characterized by having the following features.

2. The aforementioned replacement vehicle station is The company possesses at least tow trucks and trucks for transporting vehicles, and further possesses either passenger cars, wagons, vans, light trucks, or a combination thereof. The aforementioned replacement vehicle service system uses the vehicles provided at the replacement vehicle station as replacement vehicles provided to the insured. The circular integrated service provision system according to claim 1, characterized in that it is a feature of the present invention.

3. The aforementioned replacement vehicle station is equipped with a driver provision department that assigns drivers for vehicle transportation, The aforementioned driver provision unit provides drivers to transport the insured's accident vehicle or deliver the replacement vehicle. A circular integrated service provision system according to claim 1 or 2, characterized in that it is the same as described in claim 1 or 2.

4. The aforementioned circular integration service using the member terminal further The service includes a medical health checkup service for registering or managing medical health checkup information, a score confirmation service for verifying score information related to the aforementioned personality score, and a point reward service for managing or granting point reward information. The aforementioned management server The organization comprises a Medical Health Checkup Collaboration Department that provides the aforementioned medical health checkup service, a Score Management Department that provides the aforementioned score confirmation service, and a Point Management Department that provides the aforementioned point redemption service. The cyclical integrated service provision system according to claim 1, characterized in that the database includes medical health checkup information, health checkup score information, score confirmation information, social contribution score information, and point redemption information.

5. A method for providing a circular integrated service via a network, A circular integrated service provision system comprising: a replacement vehicle service system equipped with multiple replacement vehicle stations nationwide or in certain regions that provide replacement vehicles to insured persons with a replacement vehicle expense rider on their automobile insurance; a member terminal for the said insured persons; an accident reception center terminal; a drive recorder installed in the vehicle the said insured persons ride in that notifies the accident reception center terminal of the occurrence of a traffic accident; a management server; and a database that stores various data including member management information, contract information including the replacement vehicle expense rider on automobile insurance, personality score information, replacement vehicle provision control information, replacement vehicle station information, and replacement vehicle information, The aforementioned member terminal is It is equipped with a function to receive a circular integrated service, including a replacement vehicle service, based on the personality score of the insured person, which is calculated based on medical checkup information, health checkup score information, social contribution score information, and point redemption information. The aforementioned management server When the accident reception center terminal receives a notification of a traffic accident from the member terminal or the drive recorder, it performs a real-time calculation of the personality score and controls whether or not to provide the replacement vehicle based on the calculated personality score in a replacement vehicle provision control step. A listing display step that lists available replacement vehicles, A smart key unlocking operation step in which the smart key of the replacement vehicle selected by the insured from the list of replacement vehicles is unlocked by short-range wireless communication connection, If the personality score is below a threshold, a blocking step is taken to block the smart key unlocking operation. A circular integrated service provision method characterized by comprising the following:

6. On the computer, When the accident reception center terminal receives a traffic accident notification from a member terminal or drive recorder, it performs a real-time calculation of a personality score based on medical checkup information, health checkup score information, social contribution score information, and point redemption information, and controls whether or not to provide a replacement vehicle based on the calculated personality score in a replacement vehicle provision control step. A listing display step that lists available replacement vehicles, The smart key unlocking operation step involves unlocking the smart key of the replacement vehicle selected by the insured from the aforementioned list of replacement vehicles via short-range wireless communication, If the personality score is below a threshold, a blocking step is taken to block the smart key unlocking operation. A circular integrated service provision program characterized by its ability to perform certain actions.

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