A system for recommending motor insurance with the internet of things

Abstract

The present invention relates to a system (1) which enables the problems detected on the vehicle (2) to be transmitted to the mobile device (3), the transmitted problems to be solved with artificial intelligence models through the mobile banking application (5), and the most suitable package to be offered to the customer with artificial intelligence models when the new motor insurance period arrives, by establishing a vehicle (2) and a mobile device (3) connection with IoT (Internet of Things) technology.

Description

[0001] DESCRIPTION

[0002] A SYSTEM FOR RECOMMENDING MOTOR INSURANCE WITH THE

[0003] INTERNET OF THINGS

[0004] Technical Field

[0005] The present invention relates to a system which enables the problems detected on the vehicle to be transmitted to the mobile device, the transmitted problems to be solved with artificial intelligence models through the mobile banking application, and the most suitable package to be offered to the customer with artificial intelligence models when the new motor insurance (Casco) period arrives, by establishing a vehicle and a mobile device connection with loT (Internet of Things) technology.

[0006] Background of the Invention

[0007] Today, with the concept of Internet of Things, all electronic devices can be connected to the internet and therefore to each other. The use of loT can be found in many areas such as automotive, electrical household appliances, agriculture and health. However, there are no applications in which a suitable package is recommended to the user at the time of motor insurance package renewal through artificial intelligence models by connecting a mobile device to the vehicle through loT.

[0008] For this reason, considering the studies and deficiencies included in the current technique, it is understood that there is a need for a system which enables the problems detected on the vehicle to be transmitted to the mobile device, the transmitted problems to be solved with artificial intelligence models through the mobile banking application, and the most suitable package to be offered to the customer with artificial intelligence models when the new motor insurance period arrives, by establishing a vehicle and a mobile device connection with loT technology.

[0009] The United States patent document no. US2020219197A1, an application included in the state of the art, discloses a system for generating insurance policies by monitoring the use of a vehicle. In the system included in the said invention, with the permission of the insurance customer, data on many factors related to the customer are received from the mobile device, vehicle controller, or smart home controller through wireless communication. The data may be related to the customer's home, an autonomous or semi-autonomous vehicle, and / or home and vehicle features, maintenance history, and / or repairs performed to each over time. Risk levels are determined by using the received data. The aspects of one or more automobile and home insurance policies are adjusted based on risk levels. An updated insurance discount is transmitted to the customer's mobile device via wireless communication for review and approval.

[0010] The Taiwan patent document no. TWM560650U, another application included in the state of the art, discloses a system for realizing a vehicle insurance. The said invention consists of a vehicle insurance system, an insurance application module and a connection device. The insurance application module, executed on a mobile device, is used to execute the motor insurance. The connection device, configured in the insured vehicle and connected to the vehicle device, is used to mate the mobile device. When the mobile device mates to the connection device, the mobile device automatically activates the insurance application module and the insurance application module performs the vehicle insurance after completing an authentication procedure for the user and the insured vehicle.

[0011] Summary of the Invention An object of the present invention is to realize a system developed with the aim of enabling the problems detected on the vehicle to be transmitted to the mobile device, the transmitted problems to be solved with artificial intelligence models through the mobile banking application, and the most suitable package to be offered to the customer with artificial intelligence models when the new motor insurance period arrives, by establishing a vehicle and a mobile device connection with loT technology.

[0012] Detailed Description of the Invention

[0013] “A System for Recommending Motor Insurance with the Internet of Things” realized to fulfil the objective of the present invention is shown in the figure attached, in which:

[0014] Figure 1 is a schematic view of the inventive system.

[0015] The components illustrated in the figure are individually numbered, where the numbers refer to the following:

[0016] 1. System

[0017] 2. Vehicle

[0018] 3. Mobile Device

[0019] 4. Detector

[0020] 5. Mobile Banking Application

[0021] 6. Server

[0022] The inventive system (1) developed with the aim of enabling motor insurance to be recommended with loT comprises at least one vehicle (2) which is an automobile in the form of a land transportation vehicle with motor and wheels and is configured to consist of a combination of improved communication technologies and advanced driving control units; at least one mobile device (3) which is configured to exchange data by using any remote communication protocol; to run at least one application thereon; and to establish connection with the vehicle (2) through loT; at least one detector (4) which is configured to be positioned on the vehicle (2); to detect problems on the vehicle (2); and to transmit them to the vehicle (2); at least one mobile banking application (5) which is configured to be run on the mobile device (3); to access and keep a record of problems on the vehicle (2); and to display the most suitable motor insurance package recommendations on an interface; at least one server (6) which is configured to establish connection with the mobile device (3) by using any communication protocol; to establish communication with the mobile banking application (5) run on the mobile device (3) through this established connection; to access the problems on the vehicle (2) through the mobile banking application (5); to model the problems detected on the vehicle (2) with artificial intelligence algorithms; and to generate the most suitable motor insurance package recommendation according to this model.

[0023] The vehicle (2) included in the inventive system (1) is an automobile in the form of a land transportation vehicle with motor and wheels. The vehicle (2) is configured to consist of a combination of improved communication technologies and advanced driving control units included in the state of art. The vehicle (2) is configured to connect to the Internet through the Raspberry Pi hardware. The vehicle (2) is configured to position the detector (4) thereon and to access information transmitted through the detector (4). The vehicle (2) is configured to establish connection with the mobile device (3) through loT (Internet of Things). The vehicle (2) is configured to exchange data with the mobile device (3) by establishing connection with the mobile device (3) through Microsoft's Azure loT Suite. The vehicle (2) is configured to transmit problems detected by the detector (4) to the mobile device (3) through loT.

[0024] The mobile device (3) included in the inventive system (1) is configured to exchange data by using any remote communication protocol and to run at least one application thereon. The mobile device (3) is configured to run the mobile banking application (5) thereon. The mobile device (3) is configured to exchange data with the vehicle (2) by establishing connection with the vehicle (2) through Microsoft's Azure loT Suite. The mobile device (3) is configured to establish connection with the vehicle (2) through loT (Internet of Things), to access problems on the vehicle (2) and to transmit this data to the mobile banking application (5). The mobile device (3) is configured to establish connection with the server (6) by using any remote communication protocol included in the state of art.

[0025] The detector (4) included in the inventive system (1) is configured to detect all physical and / or chemical changes occurring in the vehicle (2) and in the environment and to transmit them to the vehicle (2) in order for the equipment in the form of engine management, driving safety and handling, active and passive safety units and comfort units to be operated correctly in vehicles (2) included in the state of art. In the said invention, the detector (4) is configured to be positioned on the vehicle (2). In the said invention, the detector (4) is configured to be positioned at exhaust, brake, engine, tire and other places on the vehicle (2) and to detect whether the respective parts are working properly or not. In the said invention, the detector (4) is configured to detect and transmit the problems on the vehicle (2).

[0026] The mobile banking application (5) included in the inventive system (1) is configured to be run on the mobile device (3). The mobile banking application (5) is configured to access problems on the vehicle (2) transmitted through the mobile device (3) and to keep a record thereof. The mobile banking application (5) is configured to enable users to view, at least on an interface, the most suitable motor insurance package recommendations.

[0027] The server (6) included in the inventive system (1) is configured to establish connection with the mobile device (3) by using any communication protocol included in the state of art and to establish communication with the mobile banking application (5) run on the mobile device (3) through this established connection. The server (6) is configured to access problems on the vehicle (2) through the mobile banking application (5). The server (6) is configured to collect the problems detected on the vehicle (2) by using artificial intelligence models over the mobile banking application (5) for a certain period of time. The server (6) is configured to model the problems detected on the vehicle (2) with artificial intelligence algorithms when the new motor insurance period of the user arrives, to generate the most suitable motor insurance package recommendation according to this model and to transmit it to the mobile banking application (5) run on the mobile device (3).

[0028] Industrial Application of the Invention

[0029] In the inventive system (1), it is enabled to transmit the problems detected on the vehicle (2) to the mobile device (3), to solve the transmitted problems with artificial intelligence models through the mobile banking application (5), and to offer the most suitable package to the customer with artificial intelligence models when the new motor insurance period arrives, by establishing a vehicle (2) and a mobile device (3) connection with loT technology.

[0030] Within these basic concepts; it is possible to develop various embodiments of the inventive “A System (1) for Recommending Motor Insurance with the Internet of Things”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

CLAIMS1. A system (1) developed with the aim of enabling motor insurance to be recommended with loT ; comprising at least one vehicle (2) which is an automobile in the form of a land transportation vehicle with motor and wheels and is configured to consist of a combination of improved communication technologies and advanced driving control units; at least one mobile device (3) which is configured to exchange data by using any remote communication protocol; to run at least one application thereon; and to establish connection with the vehicle (2) through loT ; at least one detector (4) which is configured to be positioned on the vehicle (2); to detect problems on the vehicle (2); and to transmit them to the vehicle (2); at least one mobile banking application (5) which is configured to be run on the mobile device (3); to access and keep a record of problems on the vehicle (2); and to display the most suitable motor insurance package recommendations on an interface; and characterized by at least one server (6) which is configured to establish connection with the mobile device (3) by using any communication protocol; to establish communication with the mobile banking application (5) run on the mobile device (3) through this established connection; to access the problems on the vehicle (2) through the mobile banking application (5); to model the problems detected on the vehicle (2) with artificial intelligence algorithms; and to generate the most suitable motor insurance package recommendation according to this model.

2. A system (1) according to Claim 1; characterized by the vehicle (2) which is an automobile in the form of a land transportation vehicle with motor and wheels and is configured to consist of a combination of improved communication technologies and advanced driving control units.

3. A system (1) according to Claim 1 or 2; characterized by the vehicle (2) which is configured to connect to the Internet through the Raspberry Pi hardware.

4. A system (1) according to Claim 3; characterized by the vehicle (2) which is configured to position the detector (4) thereon and to access information transmitted through the detector (4).

5. A system (1) according to any one of the preceding claims; characterized by the vehicle (2) which is configured to establish connection with the mobile device (3) through loT.

6. A system (1) according to any one of the preceding claims; characterized by the vehicle (2) which is configured to exchange data with the mobile device (3) by establishing connection with the mobile device (3) through Microsoft's Azure loT Suite.

7. A system (1) according to any one of the preceding claims; characterized by the vehicle (2) which is configured to transmit problems detected by the detector (4) to the mobile device (3) through loT.

8. A system (1) according to any one of the preceding claims; characterized by the mobile device (3) which is configured to exchange data by using any remote communication protocol and to run at least one application thereon.

9. A system (1) according to any one of the preceding claims; characterized by the mobile device (3) which is configured to run the mobile banking application (5) thereon.

10. A system (1) according to any one of the preceding claims; characterized by the mobile device (3) which is configured to exchange data with the vehicle (2) by establishing connection with the vehicle (2) through Microsoft's Azure loT Suite.

11. A system (1) according to any one of the preceding claims; characterized by the mobile device (3) which is configured to establish connection with the vehicle (2) through loT, to access problems on the vehicle (2) and to transmit this data to the mobile banking application (5).

12. A system (1) according to any one of the preceding claims; characterized by the mobile device (3) which is configured to establish connection with the server (6) by using any remote communication protocol.

13. A system (1) according to any one of the preceding claims; characterized by the detector (4) which is configured to detect all physical and / or chemical changes occurring in the vehicle (2) and in the environment and to transmit them to the vehicle (2) in order for the equipment in the form of engine management, driving safety and handling, active and passive safety units and comfort units to be operated correctly in vehicles (2).

14. A system (1) according to any one of the preceding claims; characterized by the detector (4) which is configured to be positioned on the vehicle (2).

15. A system (1) according to any one of the preceding claims; characterized by the detector (4) which is configured to be positioned at exhaust, brake,engine, tire and other places on the vehicle (2) and to detect whether the respective parts are working properly or not.

16. A system (1) according to any one of the preceding claims; characterized by the detector (4) which is configured to detect and transmit the problems on the vehicle (2).

17. A system (1) according to any one of the preceding claims; characterized by the mobile banking application (5) which is configured to be run on the mobile device (3).

18. A system (1) according to any one of the preceding claims; characterized by the mobile banking application (5) which is configured to access problems on the vehicle (2) transmitted through the mobile device (3) and to keep a record thereof.

19. A system (1) according to any one of the preceding claims; characterized by the mobile banking application (5) which is configured to enable users to view, at least on an interface, the most suitable motor insurance package recommendations .

20. A system (1) according to any one of the preceding claims; characterized by the server (6) which is configured to establish connection with the mobile device (3) by using any communication protocol and to establish communication with the mobile banking application (5) run on the mobile device (3) through this established connection.

21. A system (1) according to any one of the preceding claims; characterized by the server (6) which is configured to access problems on the vehicle (2) through the mobile banking application (5).

22. A system (1) according to any one of the preceding claims; characterized by the server (6) which is configured to collect the problems detected on the vehicle (2) by using artificial intelligence models over the mobile banking application (5) for a certain period of time.

23. A system (1) according to any one of the preceding claims; characterized by the server (6) which is configured to model the problems detected on the vehicle (2) with artificial intelligence algorithms when the new motor insurance period of the user arrives, to generate the most suitable motor insurance package recommendation according to this model and to transmit it to the mobile banking application (5) run on the mobile device (3).

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