JP4107975B2

JP4107975B2 - Navigation system, server, navigation method, and program

Info

Publication number: JP4107975B2
Application number: JP2003024487A
Authority: JP
Inventors: 哲哉松崎
Original assignee: Mitsui Sumitomo Insurance Co Ltd
Current assignee: Mitsui Sumitomo Insurance Co Ltd
Priority date: 2003-01-31
Filing date: 2003-01-31
Publication date: 2008-06-25
Anticipated expiration: 2023-01-31
Also published as: JP2004233269A

Description

【０００１】
【発明の属する技術分野】
本発明は、ナビゲーションシステム、サーバ、ナビゲーション方法、及びプログラムに関する。特に本発明は、自車及び他車の現在位置を運転者に知らせるナビゲーションシステム、サーバ、ナビゲーション方法、及びプログラムに関する。
【０００２】
【従来の技術】
従来のナビゲーションシステムは、道路の情報として、例えば事故情報や渋滞情報等をＶＩＣＳ（ＶｅｈｉｃｌｅＩｎｆｏｒｍａｔｉｏｎａｎｄＣｏｍｍｕｎｉｃａｔｉｏｎＳｙｓｔｅｍ）経由で取得し、モニタに表示する（例えば、非特許文献１。）。これにより、運転者は、渋滞している道路を事前に迂回する等の対応策を取ることができ、渋滞に巻き込まれる可能性を低減することができる。
【０００３】
【非特許文献１】
財団法人道路交通情報通信システムセンター、“ＶＩＣＳの仕組み／ＶＩＣＳパンフレット”、［ｏｎｌｉｎｅ］、［平成１４年１２月２５日検索］、インターネット＜ＵＲＬ：ｈｔｔｐ：／／ｗｗｗ．ｖｉｃｓ．ｏｒ．ｊｐ／ｗｈａｔｓ／ｉｍｇ／ｖｉｃｓ＿ｐａｍｐｈ．ｐｄｆ＞
【０００４】
【発明が解決しようとする課題】
しかしながら上記従来の技術では、運転者は、周囲の走行車両が有するリスク、特に事故を起こした場合に十分な賠償ができる車両であるか否かという情報を知ることができなかった。従って、運転者は、そのようなリスクの高い車両への接近を未然に防ぐ対策を取ることができなかった。
【０００５】
そこで本発明は、上記の課題を解決することのできるナビゲーションシステム、サーバ、ナビゲーション方法、及びプログラムを提供することを目的とする。この目的は特許請求の範囲における独立項に記載の特徴の組み合わせにより達成される。また従属項は本発明の更なる有利な具体例を規定する。
【０００６】
【課題を解決するための手段】
即ち、本発明の第１の形態によると、第１及び第２の車両にそれぞれ搭載された第１及び第２の車載装置とサーバとを備え、第１の車両の現在位置を第２の車両の第２の車載装置に表示するナビゲーションシステムにおいて、第１の車載装置は、第１の車両の現在位置である第１現在位置と、第１の車両を特定する第１車両ＩＤとをサーバに送信し、サーバは、第１車両ＩＤに対応付けて、第１の車両を補償の対象とする自動車保険の賠償範囲を示す第１車両賠償範囲を格納した車両データベースと、第１の車載装置から受信する第１車両ＩＤに基づいて車両データベースから第１車両賠償範囲を抽出し、抽出した第１車両賠償範囲を第１現在位置と共に第２の車載装置に出力する出力部とを有し、第２の車載装置は、サーバから受信する第１車両賠償範囲を第１現在位置に対応付けて、第２の車両の現在位置である第２現在位置と共に表示する。
【０００７】
出力部は、抽出した第１車両賠償範囲が所定の基準以上でない場合にのみ、抽出した第１車両賠償範囲を第１現在位置と共に第２の車載装置に出力してもよい。
【０００８】
車両データベースは、第１車両賠償範囲として、第１の車両を補償の対象とする自賠責保険（自動車損害賠償責任保険）が有効であるか否かを示す第１自賠責情報を第１車両ＩＤに対応付けて格納し、出力部は、第１の車載装置から受信する第１車両ＩＤに基づいて車両データベースから第１自賠責情報を抽出し、抽出した第１自賠責情報が、第１の車両を補償の対象とする自賠責保険が有効でない旨を示す場合に、当該第１自賠責情報を第１現在位置と共に、第２の車載装置に更に出力し、第２の車載装置は、サーバから受信する第１自賠責情報を第１現在位置に対応付けて、第２の車両の現在位置と共に表示してもよい。
【０００９】
車両データベースは、第１車両賠償範囲として、第１の車両を補償の対象とする任意保険の賠償限度額を示す情報である第１車両任意賠償限度を第１車両ＩＤに対応付けて格納し、出力部は、第１の車載装置から受信する第１車両ＩＤに基づいて車両データベースから第１車両任意賠償限度を抽出し、抽出した第１車両任意賠償限度を第１現在位置と共に、第２の車載装置に更に出力し、第２の車載装置は、サーバから受信する第１車両任意賠償限度を第１現在位置に対応付けて、第２の車両の現在位置と共に表示してもよい。
【００１０】
出力部は、抽出した第１車両任意賠償限度が示す賠償限度額が所定の金額以上でない場合にのみ、その旨を第２の車載装置に出力してもよい。
【００１１】
車両データベースは、第１車両ＩＤに対応付けて、第１の車両の車種を格納し、出力部は、第１の車載装置から受信する第１車両ＩＤに基づいて車両データベースから車種を抽出し、抽出した車種を第１現在位置と共に、第２の車載装置に更に出力し、第２の車載装置は、サーバから受信する車種を、第１現在位置に対応付けて更に表示してもよい。
【００１２】
サーバは、第１の車両を運転する第１の運転者を特定する第１運転者ＩＤに対応付けて、第１の運転者を補償の対象とする任意保険の賠償限度額を示す情報である第１運転者任意賠償限度を格納した運転者データベースを更に有し、第１の車載装置は、第１の車両を運転する第１の運転者を特定する第１運転者ＩＤを取得してサーバに更に送信し、出力部は、第１の車載装置から受信する第１運転者ＩＤに基づいて、運転者データベースから第１運転者任意賠償限度を抽出し、抽出した第１運転者任意賠償限度を第２の車載装置に更に出力し、第２の車載装置は、サーバから受信する第１運転者任意賠償限度を、第１現在位置に対応付けて更に表示してもよい。
【００１３】
出力部は、抽出した第１運転者任意賠償限度が示す賠償限度額が所定の金額以上でない場合にのみ、その旨を第２の車載装置に出力してもよい。
【００１４】
サーバは、第１の車両を運転する第１の運転者を特定する第１運転者ＩＤに対応付けて、第１の運転者の運転実績に基づく安全運転の度合いである第１安全運転度を格納した運転者データベースを更に有し、第１の車載装置は、第１の車両を運転する第１の運転者を特定する第１運転者ＩＤを取得してサーバに更に送信し、出力部は、第１の車載装置から受信する第１運転者ＩＤに基づいて、運転者データベースから第１安全運転度を抽出し、抽出した第１安全運転度を更に第２の車載装置に出力し、第２の車載装置は、サーバから受信する第１安全運転度を、第１現在位置に対応付けて更に表示してもよい。
【００１５】
出力部は、抽出した安全運転度が所定の基準を満足しない場合にのみ、当該安全運転度を第１現在位置と共に、第２の車載装置に出力してもよい。
【００１６】
出力部は、第１現在位置と第２現在位置との距離が減少している場合にのみ、抽出した第１車両賠償範囲を第１現在位置と共に、第２の車載装置に出力してもよい。
【００１７】
本発明の第２の形態によれば、第１及び第２の車両にそれぞれ搭載された第１及び第２の車載装置とサーバとを備え、第１の車両の現在位置を第２の車両の第２の車載装置に表示するナビゲーションシステムにおいて、第１の車載装置は、第１の車両の現在位置である第１現在位置と、第１の車両を補償の対象とする自動車保険の賠償範囲を示す第１車両賠償範囲とをサーバに送信し、サーバは、第１の車載装置から受信した第１車両賠償範囲が、所定の基準以上でない場合に、当該第１車両賠償範囲を第１現在位置と共に、第２の車載装置に出力し、第２の車載装置は、サーバから受信する第１車両賠償範囲を第１現在位置に対応付けて、第２の車両の現在位置である第２現在位置と共に表示する。
【００１８】
本発明の第３の形態によれば、第１及び第２の車両にそれぞれ搭載された第１及び第２の車載装置に接続し、第１の車両の現在位置を第２の車両の第２の車載装置に表示させるサーバは、第１の車両を特定する第１車両ＩＤに対応付けて、第１の車両を補償の対象とする自動車保険の賠償範囲を示す第１車両賠償範囲を格納した車両データベースと、第１の車載装置から受信する第１車両ＩＤに基づいて車両データベースから第１車両賠償範囲を抽出し、抽出した第１車両賠償範囲が所定の基準以上でない場合にのみ、抽出した第１車両賠償範囲を第１現在位置と共に、第２の車載装置に出力する出力部とを備える。
【００１９】
本発明の第４の形態によれば、第１及び第２の車両にそれぞれ搭載された第１及び第２の車載装置とサーバとを利用して、第１の車両の現在位置を第２の車両の第２の車載装置に表示するナビゲーション方法は、第１の車両の現在位置である第１現在位置と、第１の車両を特定する第１車両ＩＤとを第１の車載装置からサーバに送信するステップと、サーバにおいて、第１の車両を補償の対象とする自動車保険の賠償範囲を示す第１車両賠償範囲を、第１車両ＩＤに対応付けて管理するステップと、第１の車載装置からサーバに送信される第１車両ＩＤに基づいて第１車両賠償範囲を抽出し、抽出した第１車両賠償範囲が所定の基準以上でない場合に、抽出した第１車両賠償範囲を第１現在位置と共に、サーバから第２の車載装置に出力するステップと、第２の車載装置において、サーバから出力された第１車両賠償範囲を第１現在位置に対応付けて、第２の車両の現在位置と共に表示するステップとを備える。
【００２０】
本発明の第５の形態によれば、第１及び第２の車両にそれぞれ搭載された第１及び第２の車載装置に接続し、第１の車両の現在位置を第２の車両の第２の車載装置に表示させるコンピュータ用のプログラムは、第１の車両を特定する第１車両ＩＤに対応付けて、第１の車両を補償の対象とする自動車保険の賠償範囲を示す第１車両賠償範囲を管理する車両情報管理機能と、第１の車載装置から受信する第１車両ＩＤに基づいて第１車両賠償範囲を抽出し、抽出した第１車両賠償範囲が所定の基準以上でない場合に、抽出した第１車両賠償範囲を第１現在位置と共に、第２の車載装置に出力する出力機能とをコンピュータに実現させる。
【００２１】
なお上記の発明の概要は、本発明の必要な特徴の全てを列挙したものではなく、これらの特徴群のサブコンビネーションも又発明となりうる。
【００２２】
【発明の実施の形態】
以下、発明の実施の形態を通じて本発明を説明するが、以下の実施形態は特許請求の範囲にかかる発明を限定するものではなく、又実施形態の中で説明されている特徴の組み合わせの全てが発明の解決手段に必須であるとは限らない。
【００２３】
図１は、本発明の一実施形態に係るナビゲーションシステム１００の構成を示す図である。ナビゲーションシステム１００は、車両１２ａ及び車両１２ｂにそれぞれ搭載された車載装置１０ａ及び車載装置１０ｂと、ネットワーク８０を介して車載装置１０ａ及び車載装置１０ｂと通信するサーバ５０とを備える。サーバ５０は、例えば自動車保険を提供する損害保険会社によって運用される。本実施形態に係るナビゲーションシステム１００は、車両１２ａを補償の対象とする自動車保険の賠償範囲を示す車両賠償範囲を、車両１２ａの現在位置と対応付けて車両１２ｂの車載装置１０ｂに表示することを特徴とする。
【００２４】
車載装置１０ａは、例えばＧＰＳ等の測位手段を用いて車両１２ａの現在位置を測定し、測定した現在位置に対応付けて、車両１２ａを特定する車両ＩＤをネットワーク８０を介してサーバ５０に送信する。サーバ５０は、車載装置１０ａから受信する車両ＩＤに基づいて、車両１２ａを補償の対象とする自動車保険の賠償範囲を示す車両賠償範囲をデータベースから抽出し、車両１２ａの現在位置と共に車両１２ｂの車載装置に送信する。車載装置１０ｂは、サーバ５０から受信する車両１２ａの車両賠償範囲を、車両１２ａの現在位置と対応付けて、車両１２ｂの現在位置と共に表示する。
【００２５】
したがって、運転者１４ｂは、車両１２ａの現在位置と車両賠償範囲を知ることができる。そして車両１２ａの車両賠償範囲が不十分な場合には、車両１２ａへの接近を回避する対策を取ることができる。
【００２６】
車載装置１０ａは更に、運転者１４ａを特定する運転者ＩＤを取得して、車載装置１０ａの現在位置と共にサーバ５０に送信してもよい。この場合、サーバ５０は更に、車載装置１０ａから受信する運転者ＩＤに基づいて、運転者１４ａを補償の対象とする任意保険の賠償限度額を示す情報をデータベースから抽出し、車両１２ａの現在位置と共に車両１２ｂの車載装置１０ｂに送信する。車載装置１０ｂは、サーバ５０から受信する運転者１４ａの賠償限度額を、車両１２ａの現在位置と対応付けて、車両１２ｂの現在位置と共に更に表示する。
【００２７】
これにより、運転者１４ｂは、車両１２ａの現在位置と運転者１４ａの賠償限度額とを更に知ることができる。そして運転者１４ａの賠償限度額が不十分な場合には、車両１２ａへの接近を回避する対策を取ることができる。
【００２８】
図２は、サーバ５０の構成を示す。サーバ５０は、車両１２ａの車両ＩＤに対応付けて、車両１２ａの車両賠償範囲を格納した車両データベース５４と、車載装置１０ａから受信する車両１２ａの車両ＩＤに基づいて車両データベース５４から車両１２ａの車両賠償範囲を抽出し、抽出した車両賠償範囲を車両１２ａの現在位置と共に車載装置１０ｂに出力する出力部５２とを有する。さらにサーバ５０は、運転者１４ａを特定する運転者ＩＤに対応付けて、運転者１４ａを補償の対象とする任意保険の賠償限度額を示す情報である運転者任意賠償限度を格納した運転者データベース５６を有する。
【００２９】
これにより、出力部５２は、車載装置１０ａから受信する車両１２ａの車両ＩＤと運転者１４ａの運転者ＩＤとに基づいて、車両１２ａが事故を起こした場合に賠償可能な金額の情報を車載装置１０ｂに対して送信することができる。
【００３０】
記録媒体６０は、サーバ５０の車両データベース５４、運転者データベース５６、及び出力部５２を動作させるプログラムを格納する。サーバ５０は、記録媒体６０からこれらのプログラムを読取って実行する。サーバ５０は、これらのプログラムをネットワーク経由で取得してもよい。
【００３１】
図３は、車両データベース５４のデータフォーマットの一例を示す。車両データベース５４は、車両を特定する車両ＩＤに対応付けて、当該車両を補償の対象とする自動車保険の賠償範囲を示す車両賠償範囲を格納している。車両賠償範囲の一例は、車両を補償の対象とする自賠責保険（自動車損害賠償責任保険）が有効であるか否かを示す自賠責情報である。
【００３２】
車両賠償範囲の他の例は、車両を補償の対象とする任意保険の賠償限度額を示す情報である車両任意賠償限度である。車両任意賠償限度は、さらに対人の限度額と対物の限度額とに分類されて格納されている。また車両データベース５４は、車両ＩＤに対応付けて車種を格納する。
【００３３】
図４は、運転者データベース５６のデータフォーマットの一例を示す。運転者データベース５６は、運転者を特定する運転者ＩＤに対応付けて、当該運転者を補償の対象とする任意保険の賠償限度額を示す情報である運転者任意賠償限度を格納している。運転者任意賠償限度は、さらに対人の限度額と対物の限度額とに分類されて格納されている。
【００３４】
さらに運転者データベース５６は、運転者ＩＤに対応付けて、運転者の運転実績に基づく安全運転の度合いである安全運転度を格納している。本実施例の安全運転度は、Ａが最も安全度が高く、Ｂ、Ｃ、Ｄ、Ｅ、Ｆの順に安全度が下がる。運転者の運転実績とは、運転の頻度、運転経験年数、月間運転距離、事故・違反歴、免許の色（ゴールド／ブルー）、及び自動車保険の等級などである。これらの運転実績に基づけば、運転者の安全運転度を判断することができる。安全運転度が高い運転者は、将来的に事故を起こす確率が低く、安全運転度が低い運転者は、将来的に事故を起こす確率が高いと考えられる。
【００３５】
運転者任意賠償限度は、更に証券番号に対応付けて運転者データベース５６に格納されていてもよい。これにより、サーバ５０は、車載装置１０ａから運転者ＩＤに代えて証券番号を受信しても、車両１２ａに対応する保険の賠償限度額を車載装置１０ｂに出力することができる。
【００３６】
図５は、車載装置１０の表示例である。図において、自車の現在位置２０と他車の現在位置２２、２４、及び２６とが地図上に表示されている。車載装置１０は、サーバ５０から受信する他車の車両賠償範囲を他車の現在位置に対応付けて、自車の現在位置と共に表示する。この地図において自車の下側に伸びる点線は自車の走行軌跡であり、自車が地図の上方に向かって走行中であることを示す。同様に、他車２２及び２４は図の下方に向かって、そして他車２６は図の左方向に向かって走行中であることを示す。
【００３７】
図５に示す個人端末１０は、自車に向かって接近中の他車、つまり自車にとってよりリスクの高い車両のみを画面上に表示する。これにより画面に表示する車両の数が削減され、視認性の高い表示が得られる。しかしながら個人端末１０の画面表示はこれに限られず、地図上の範囲に存在し車載装置１０を搭載する全ての車両を表示してもよい。これにより、より多くの情報を車載装置１０に表示させることができる。
【００３８】
車載装置１０の画面には、サーバ５０から受信した他車の車両賠償範囲、運転者賠償限度、及び車種の情報が他車の現在位置に対応付けられた状態で、自車の現在位置と共に表示される。車種の情報を同時に表示することにより、例えば交通量が多い場合であっても、車載装置１０の画面に表示された他車がどの車両であるかを目視で確認することが容易になる。
【００３９】
さらに、安全運転度が所定の基準を満足しない運転者の運転による他車については、その安全運転度が当該他車の現在位置に対応付けて表示される。これにより、運転者は、賠償能力または安全運転度が不十分な車両への接近を回避すべく行動することができる。
【００４０】
サーバ５０は、他車及び他車の運転者に関する情報を車載装置１０に送信する場合には、プライバシー保護のために、車両及び運転者を特定できない状態で送信する。例えば本実施例において、他車の現在位置には、車載装置１０の表示範囲に進入した順に連番が付与されて車載装置１０に送信される。連番は所定の番号、例えば９９９番に達するとゼロクリアされる。これにより、他車及び他車の運転者のプライバシーを保護しつつ、画面上の複数の他車を識別することが可能となる。
【００４１】
図６は、ナビゲーションシステム１００が車両１２ａの車両賠償範囲を車両１２ｂに通知する場合の通信シーケンスである。まず車載装置１０ｂは、車両１２ｂの現在位置を測定し、測定した現在位置を車両１２ｂの車両ＩＤと共にサーバ５０に送信する（Ｓ１００）。次に車載装置１０ａは、車両１２ａの現在位置を測定し、車両１２ａの車両ＩＤ及び運転者１４ａの運転者ＩＤと共にサーバ５０に送信する（Ｓ１０２）。ステップ１００及びステップ１０２において、車載装置１０ａ及び車載装置１０ｂは、車両１２ａ及び車両１２ｂの走行軌跡として、それぞれの現在位置を所定の時間間隔で継続的にサーバ５０へ送信する。
【００４２】
次にサーバ５０は、ステップ１００及びステップ１０２で受信する車両１２ａ及び車両１２ｂの走行軌跡に基づいて、車両１２ａ及び車両１２ｂの距離が減少中であるか否かを判断する（Ｓ１０４）。ステップ１０４において、車両１２ａ及び車両１２ｂの距離が減少中でないと判断された場合（Ｓ１０４：ＮＯ）、サーバ５０は、車両１２ａに関する情報を車載装置１０ｂに送信することなくフローを終了する。ステップ１０４において、車両１２ａ及び車両１２ｂの距離が減少中であると判断された場合（Ｓ１０４：ＹＥＳ）、サーバ５０は、ステップ１０２で受信した車両ＩＤに基づいて、車両データベース５４から車両１２ａの車種と車両賠償範囲とを抽出する（Ｓ１０６）。車両賠償範囲は、自賠責情報と車両任意賠償限度とを含む。そしてサーバ５０は、車両１２ａの車種を車両１２ａの現在位置に対応付けて、ステップ１００で受信した車両ＩＤにより特定される車載装置１０ｂに送信する（Ｓ１０７）。
【００４３】
次にサーバ５０は、ステップ１０２において受信した運転者ＩＤに基づいて、運転者データベース５６から運転者１４ａの運転者任意賠償限度及び安全運転度を抽出する（Ｓ１０８）。次に、ステップ１０６で抽出した車両賠償範囲のうちの自賠責情報を参照して、車両１２ａを補償の対象とする自賠責保険が有効であるか否かを判断する（Ｓ１１０）。
【００４４】
ステップ１１０において自賠責保険が有効でないと判断された場合（Ｓ１１０：ＮＯ）、サーバ５０は、車両１２ａの自賠責保険が有効でない旨を車両１２ａの現在位置に対応付けて車載装置１０ｂに送信する（Ｓ１１２）。ステップ１１０において、自賠責保険が有効であると判断された場合には（Ｓ１１０：ＹＥＳ）、ステップ１１４に進む。
【００４５】
次に、サーバ５０は、ステップ１０６で抽出した車両賠償範囲のうちの車両任意賠償限度が所定の金額以上であるか否かを判断する（Ｓ１１４）。ステップ１１４において、車両任意賠償限度が所定の金額以上でないと判断された場合（Ｓ１１４：ＮＯ）、サーバ５０は、ステップ１０８で抽出した運転者任意賠償限度が所定の金額以上であるか否かを判断する（Ｓ１１６）。
【００４６】
ステップ１１６において、運転者任意賠償限度が所定の金額以上でないと判断された場合には（Ｓ１１６：ＮＯ）、サーバ５０は車両１２ａの車両任意賠償限度及び運転者任意賠償限度が所定の金額以上でない旨を、車両１２ａの現在位置に対応付けて車載装置１０ｂに送信する（Ｓ１１８）。ステップ１１４において車両任意賠償限度が所定の金額以上であると判断された場合には（Ｓ１１４：ＹＥＳ）、ステップ１２０に進む。同様に、ステップ１１６において、運転者任意賠償限度が所定の金額以上であると判断された場合には（Ｓ１１６：ＹＥＳ）、ステップ１２０に進む。サーバ５０は、本実施形態において車両１２ａの任意保険の賠償限度額を車載装置１０ｂへ送信するか否かを所定の基準を満足するか否かによって決定したが、これに代えて車両１２ａの任意保険の加入有無を車載装置１０ｂに送信してもよい。
【００４７】
次に、サーバ５０は、ステップ１０８で抽出した運転者１４ａの安全運転度が所定の基準を満足するか否かを判断する（Ｓ１２０）。ステップ１２０における所定の基準とは例えば、安全運転度がＡからＦのうちのＣ以上であるか否かである。ステップ１２０において安全運転度が所定の基準を満足しないと判断された場合（Ｓ１２０：ＮＯ）、サーバ５０は運転者１４ａの安全運転度が基準を満足しない旨を車両１２ａの現在位置と共に車載装置１０ｂに送信する（Ｓ１２２）。ステップ１２２において、サーバ５０は、運転者１４ａの安全運転度そのものを、車両１２ａの現在位置と共に車載装置１０ｂに送信してもよい。
【００４８】
ステップ１２０において安全運転度が所定の基準を満足すると判断された場合（Ｓ１２０：ＹＥＳ）、ステップ１２２をスキップする。最後に、車載装置１０ｂは、サーバ５０から受信した車両１２ａの自賠責情報、車両任意賠償限度、運転者任意賠償限度、及び安全運転度のうちの少なくともいずれかを、車両１２ａの車種及び現在位置に対応付けて、車両１２ｂの現在位置と共に画面に表示する（Ｓ１２４）。運転者１４ｂは車載装置１０ｂを操作することにより、受信した何れの情報を表示するかを自由に選択することができる。車載装置１０ｂは、車両任意賠償限度及び運転者任意賠償限度をいずれも受信した場合には、車両任意賠償限度を優先的に表示し、運転者任意賠償限度を表示しなくてもよい。これにより、保険金の二重表示を防止することができる。以上で本シーケンスは終了する。
【００４９】
なお、本実施形態では、車両及び運転者の少なくとも一方を補償の対象とする保険の契約内容を特定するために、車両ＩＤ又は運転者ＩＤを用いたが、これに代えて、保険の契約を特定する証券番号を用いて保険の契約内容を特定してもよい。
【００５０】
また、本実施形態においては、サーバ５０の車両データベース５４が、自賠責情報及び車両任意賠償限度を格納しているが、これに代えて、車両１２の車載装置１０が、それぞれの自賠責情報及び車両任意賠償限度を記憶していてもよい。この場合、車載装置１０ａは、自賠責情報及び車両任意賠償限度を車両１２ａの現在位置と共にサーバ５０に送信する。
【００５１】
そしてサーバ５０は、車載装置１０ａから受信する自賠責情報及び車両任意賠償限度が所定の基準以上でない場合、つまり車両１２ａの賠償能力が所定の基準以上でない場合に、当該自賠責情報及び車両任意賠償限度を車両１２ａの現在位置と共に、車載装置１０ｂに出力してもよい。車載装置１０ｂは、サーバ５０から受信する車両１２ａの自賠責情報及び車両任意賠償限度を車両１２ａの現在位置に対応付けて、車両１２ｂの現在位置と共に表示してもよい。
【００５２】
また、運転者１４ａの運転者任意賠償限度及び運転実績は、車載装置１０ａにより読み取り可能であり、運転者１４ａが携帯するＩＣカードなどの記録媒体に記録されていてもよい。この場合、車載装置１０ａは、当該記録媒体から運転者１４ａの運転者任意賠償限度及び運転実績を読み取り、サーバ５０に送信する。サーバ５０は、車載装置１０ａから受信した運転者任意賠償限度又は運転実績が所定の基準以上でない場合に、つまり運転者１４ａの賠償能力または安全運転の程度が所定の基準以上でない場合に、その旨を車両１２ａの現在位置と共に出力する。このように、個人情報の管理を、サーバ５０に代えて、運転者１４が携帯する記録媒体で行うことにより、個人情報がサーバ５０から流出する可能性が低減される。
【００５３】
また、本実施形態においては、車両１２ａの自賠責保険への加入有無と任意保険の賠償限度額と運転者１４ａの安全運転度との車載装置１０ｂへの送信を所定の基準との比較によってサーバ５０が決定するが、これに代えてこれらの情報をサーバ５０から取得して表示するか否かを運転者１４ａの操作に基づいて車載装置１０ｂが切り替えてもよい。
【００５４】
上記説明から明らかなように、本実施形態のナビゲーションシステムによれば、事故発生時の賠償能力が不十分な車両の存在とその位置とを運転者に通知することができる。これにより運転者は、賠償能力が不十分な車両との接触又は接近を回避する行動をとることができる。サーバを運用する保険会社は、このようなサービスを行うことにより、より高い顧客満足度を獲得することできる。
【００５５】
以上、本発明を実施の形態を用いて説明したが、本発明の技術的範囲は上記実施の形態に記載の範囲には限定されない。上記実施の形態に、多様な変更又は改良を加えることができる。その様な変更又は改良を加えた形態も本発明の技術的範囲に含まれ得ることが、特許請求の範囲の記載から明らかである。
【図面の簡単な説明】
【図１】本発明の一実施形態に係るナビゲーションシステム１００の構成を示す図である。
【図２】サーバ５０の構成を示すブロック図である。
【図３】車両データベース５４のデータフォーマットの一例である。
【図４】運転者データベース５６のデータフォーマットの一例である。
【図５】車載装置１０の表示例である。
【図６】ナビゲーションシステム１００が車両１２ａの車両賠償範囲を車両１２ｂに通知する場合の通信シーケンスである。
【符号の説明】
１０車載装置１２車両
１４運転者５０サーバ
５２出力部５４車両データベース
５６運転者データベース６０記録媒体
８０ネットワーク[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a navigation system, a server, a navigation method, and a program. In particular, the present invention relates to a navigation system, a server, a navigation method, and a program for notifying a driver of the current positions of the host vehicle and other vehicles.
[0002]
[Prior art]
A conventional navigation system acquires, for example, accident information and traffic jam information as road information via a VICS (Vehicle Information and Communication System) and displays the information on a monitor (for example, Non-Patent Document 1). As a result, the driver can take countermeasures such as detouring a congested road in advance, and can reduce the possibility of being involved in the traffic jam.
[0003]
[Non-Patent Document 1]
Road Traffic Information and Communication System Center, “Structure of VICS / VICS Brochure”, [online], [Search on December 25, 2002], Internet <URL: http: // www. vics. or. jp / whats / img / vics_pamph. pdf>
[0004]
[Problems to be solved by the invention]
However, in the above-described conventional technology, the driver cannot know the risk of surrounding traveling vehicles, in particular, whether or not the vehicle can sufficiently compensate in the event of an accident. Therefore, the driver has not been able to take measures to prevent such approach to a high-risk vehicle.
[0005]
Then, an object of this invention is to provide the navigation system, server, navigation method, and program which can solve said subject. This object is achieved by a combination of features described in the independent claims. The dependent claims define further advantageous specific examples of the present invention.
[0006]
[Means for Solving the Problems]
That is, according to the first aspect of the present invention, the first and second in-vehicle devices mounted on the first and second vehicles, respectively, and the server are provided, and the current position of the first vehicle is set to the second vehicle. In the navigation system for displaying on the second vehicle-mounted device, the first vehicle-mounted device uses the first current position, which is the current position of the first vehicle, and the first vehicle ID that identifies the first vehicle as a server. The server transmits the vehicle database storing the first vehicle compensation range indicating the compensation range of the automobile insurance to be compensated for the first vehicle in association with the first vehicle ID, and the first in-vehicle device. An output unit that extracts the first vehicle compensation range from the vehicle database based on the received first vehicle ID and outputs the extracted first vehicle compensation range together with the first current position to the second in-vehicle device; The in-vehicle device 2 receives the first from the server. The vehicle compensation range in association with the first current position is displayed together with the second current position is the current position of the second vehicle.
[0007]
The output unit may output the extracted first vehicle compensation range together with the first current position to the second in-vehicle device only when the extracted first vehicle compensation range is not equal to or greater than a predetermined reference.
[0008]
The vehicle database corresponds to the first vehicle ID with the first vehicle liability information indicating whether or not the first vehicle compensation range is valid for the liability insurance (automobile liability insurance) for the first vehicle. The output unit extracts the first liability information from the vehicle database based on the first vehicle ID received from the first in-vehicle device, and the extracted first liability information compensates the first vehicle. When the subject liability insurance is not valid, the first liability information is further output to the second vehicle-mounted device together with the first current position, and the second vehicle-mounted device receives the first liability from the server. The information may be displayed together with the current position of the second vehicle in association with the first current position.
[0009]
The vehicle database stores, as the first vehicle compensation range, the first vehicle optional compensation limit, which is information indicating the compensation limit of the optional insurance for which the first vehicle is subject to compensation, in association with the first vehicle ID, The output unit extracts the first vehicle arbitrary compensation limit from the vehicle database based on the first vehicle ID received from the first in-vehicle device, and outputs the extracted first vehicle arbitrary compensation limit together with the first current position to the second The second in-vehicle device may further output to the in-vehicle device, and the second on-vehicle device may display the first vehicle arbitrary compensation limit received from the server in association with the first current position together with the current position of the second vehicle.
[0010]
The output unit may output the fact to the second in-vehicle device only when the compensation limit indicated by the extracted first vehicle optional compensation limit is not equal to or greater than the predetermined amount.
[0011]
The vehicle database stores the vehicle type of the first vehicle in association with the first vehicle ID, and the output unit extracts the vehicle type from the vehicle database based on the first vehicle ID received from the first in-vehicle device. The extracted vehicle type may be further output to the second vehicle-mounted device together with the first current position, and the second vehicle-mounted device may further display the vehicle type received from the server in association with the first current position.
[0012]
The server is information indicating a compensation limit for voluntary insurance in which the first driver is compensated in association with the first driver ID that identifies the first driver who drives the first vehicle. A driver database storing a first driver's optional compensation limit is further provided, and the first in-vehicle device obtains a first driver ID for identifying the first driver who drives the first vehicle and obtains a server. And the output unit extracts the first driver optional compensation limit from the driver database based on the first driver ID received from the first in-vehicle device, and extracts the extracted first driver optional compensation limit. May be further output to the second vehicle-mounted device, and the second vehicle-mounted device may further display the first driver optional compensation limit received from the server in association with the first current position.
[0013]
The output unit may output the fact to the second in-vehicle device only when the compensation limit indicated by the extracted first driver optional compensation limit is not equal to or greater than the predetermined amount.
[0014]
The server associates a first driver ID that identifies the first driver driving the first vehicle with a first safe driving degree that is a degree of safe driving based on the driving performance of the first driver. The first in-vehicle device further has a stored driver database, the first in-vehicle device acquires a first driver ID that identifies the first driver who drives the first vehicle, and transmits the first driver ID to the server. The first safe driving degree is extracted from the driver database based on the first driver ID received from the first in-vehicle apparatus, and the extracted first safe driving degree is further output to the second in-vehicle apparatus, The on-vehicle device 2 may further display the first safe driving degree received from the server in association with the first current position.
[0015]
The output unit may output the safe driving degree together with the first current position to the second in-vehicle device only when the extracted safe driving degree does not satisfy the predetermined standard.
[0016]
The output unit may output the extracted first vehicle compensation range together with the first current position to the second in-vehicle device only when the distance between the first current position and the second current position is decreased. .
[0017]
According to the second aspect of the present invention, the first and second in-vehicle devices mounted on the first and second vehicles, respectively, and the server are provided, and the current position of the first vehicle is determined by the second vehicle. In the navigation system for displaying on the second in-vehicle device, the first in-vehicle device includes a first current position that is a current position of the first vehicle and a compensation range of the automobile insurance that covers the first vehicle. The first vehicle compensation range is transmitted to the server, and the server displays the first vehicle compensation range in the first current position when the first vehicle compensation range received from the first in-vehicle device is not equal to or greater than a predetermined reference. In addition, the second vehicle-mounted device outputs the second vehicle-mounted device, the second vehicle-mounted device associates the first vehicle compensation range received from the server with the first current position, and is the second current position that is the current position of the second vehicle. Display with
[0018]
According to the 3rd form of this invention, it connects to the 1st and 2nd vehicle-mounted apparatus mounted in the 1st and 2nd vehicle, respectively, and the present position of the 1st vehicle is the 2nd of the 2nd vehicle. The server to be displayed on the in-vehicle device stores the first vehicle compensation range indicating the compensation range of the automobile insurance in which the first vehicle is subject to compensation in association with the first vehicle ID that identifies the first vehicle. The first vehicle compensation range is extracted from the vehicle database based on the vehicle database and the first vehicle ID received from the first in-vehicle device, and is extracted only when the extracted first vehicle compensation range is not equal to or greater than a predetermined standard. And an output unit that outputs the first vehicle compensation range together with the first current position to the second vehicle-mounted device.
[0019]
According to the 4th form of this invention, the 1st and 2nd vehicle-mounted apparatus and server which were each mounted in the 1st and 2nd vehicle are utilized, and the present position of the 1st vehicle is 2nd. The navigation method of displaying on the second in-vehicle device of the vehicle includes a first current position that is the current position of the first vehicle and a first vehicle ID that identifies the first vehicle from the first in-vehicle device to the server. Transmitting, managing, in the server, a first vehicle compensation range indicating a compensation range of automobile insurance for which the first vehicle is to be compensated in association with the first vehicle ID, and a first in-vehicle device The first vehicle compensation range is extracted based on the first vehicle ID transmitted from the server to the server, and when the extracted first vehicle compensation range is not equal to or greater than a predetermined reference, the extracted first vehicle compensation range is set to the first current position. And output from the server to the second in-vehicle device In step a, the second vehicle unit, in association with the first vehicle compensation range output from the server to the first current position, and a step of displaying together with the current position of the second vehicle.
[0020]
According to the fifth aspect of the present invention, the current position of the first vehicle is connected to the first and second in-vehicle devices mounted on the first and second vehicles, respectively, and the second position of the second vehicle is determined. The computer program to be displayed on the in-vehicle device is associated with the first vehicle ID that identifies the first vehicle, and the first vehicle compensation range indicating the compensation range of the automobile insurance for which the first vehicle is to be compensated The first vehicle compensation range is extracted based on the vehicle information management function for managing the vehicle and the first vehicle ID received from the first in-vehicle device, and is extracted when the extracted first vehicle compensation range is not equal to or greater than a predetermined standard. The computer implements an output function for outputting the first vehicle compensation range to the second in-vehicle device together with the first current position.
[0021]
The above summary of the invention does not enumerate all the necessary features of the present invention, and sub-combinations of these feature groups can also be the invention.
[0022]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, the present invention will be described through embodiments of the invention. However, the following embodiments do not limit the invention according to the claims, and all combinations of features described in the embodiments are included. It is not necessarily essential for the solution of the invention.
[0023]
FIG. 1 is a diagram showing a configuration of a navigation system 100 according to an embodiment of the present invention. The navigation system 100 includes an in-vehicle device 10a and an in-vehicle device 10b mounted on the vehicle 12a and the vehicle 12b, respectively, and a server 50 that communicates with the in-vehicle device 10a and the in-vehicle device 10b via the network 80. The server 50 is operated by a non-life insurance company that provides automobile insurance, for example. The navigation system 100 according to the present embodiment displays the vehicle compensation range indicating the compensation range of the automobile insurance for which the vehicle 12a is subject to compensation on the in-vehicle device 10b of the vehicle 12b in association with the current position of the vehicle 12a. Features.
[0024]
The in-vehicle device 10a measures the current position of the vehicle 12a using, for example, positioning means such as GPS, and transmits a vehicle ID that identifies the vehicle 12a to the server 50 via the network 80 in association with the measured current position. . Based on the vehicle ID received from the in-vehicle device 10a, the server 50 extracts the vehicle compensation range indicating the compensation range of the automobile insurance for which the vehicle 12a is to be compensated from the database, and installs the vehicle 12b together with the current position of the vehicle 12a. Send to device. The in-vehicle device 10b displays the vehicle compensation range of the vehicle 12a received from the server 50 in association with the current position of the vehicle 12a together with the current position of the vehicle 12b.
[0025]
Therefore, the driver 14b can know the current position of the vehicle 12a and the vehicle compensation range. And when the vehicle compensation range of the vehicle 12a is insufficient, it is possible to take measures to avoid the approach to the vehicle 12a.
[0026]
The in-vehicle device 10a may further acquire a driver ID that identifies the driver 14a and transmit it to the server 50 together with the current position of the in-vehicle device 10a. In this case, based on the driver ID received from the in-vehicle device 10a, the server 50 further extracts from the database information indicating the compensation amount of the optional insurance for which the driver 14a is subject to compensation, and the current position of the vehicle 12a At the same time, it is transmitted to the in-vehicle device 10b of the vehicle 12b. The in-vehicle device 10b further displays the compensation amount of the driver 14a received from the server 50 together with the current position of the vehicle 12b in association with the current position of the vehicle 12a.
[0027]
Thus, the driver 14b can further know the current position of the vehicle 12a and the compensation limit of the driver 14a. And when the compensation limit of the driver | operator 14a is inadequate, the measure which avoids the approach to the vehicle 12a can be taken.
[0028]
FIG. 2 shows the configuration of the server 50. The server 50 associates the vehicle compensation range of the vehicle 12a with the vehicle ID of the vehicle 12a and stores the vehicle compensation range of the vehicle 12a from the vehicle database 54 based on the vehicle ID of the vehicle 12a received from the in-vehicle device 10a. An output unit 52 that extracts the compensation range and outputs the extracted vehicle compensation range to the in-vehicle device 10b together with the current position of the vehicle 12a. Further, the server 50 stores the driver optional compensation limit, which is information indicating the compensation limit of the optional insurance that covers the driver 14a in association with the driver ID that identifies the driver 14a. 56.
[0029]
Thus, the output unit 52 provides information on the amount of money that can be compensated when the vehicle 12a has an accident based on the vehicle ID of the vehicle 12a and the driver ID of the driver 14a received from the on-vehicle device 10a. 10b can be transmitted.
[0030]
The recording medium 60 stores a program that operates the vehicle database 54, the driver database 56, and the output unit 52 of the server 50. The server 50 reads these programs from the recording medium 60 and executes them. The server 50 may acquire these programs via a network.
[0031]
FIG. 3 shows an example of the data format of the vehicle database 54. The vehicle database 54 stores a vehicle compensation range indicating a compensation range of automobile insurance for which the vehicle is compensated in association with a vehicle ID that identifies the vehicle. An example of the vehicle compensation range is self-responsibility information indicating whether or not self-responsibility insurance (automobile liability insurance) that covers the vehicle is effective.
[0032]
Another example of the vehicle compensation range is a vehicle voluntary compensation limit that is information indicating a compensation limit amount of optional insurance for which the vehicle is a target of compensation. The vehicle voluntary compensation limit is further classified and stored as a personal limit and an objective limit. The vehicle database 54 stores the vehicle type in association with the vehicle ID.
[0033]
FIG. 4 shows an example of the data format of the driver database 56. The driver database 56 stores a driver's voluntary compensation limit, which is information indicating a compensation limit for voluntary insurance that covers the driver in association with a driver ID that identifies the driver. The driver's voluntary compensation limit is further classified and stored as a personal limit and an objective limit.
[0034]
Further, the driver database 56 stores a safe driving degree that is a degree of safe driving based on the driving performance of the driver in association with the driver ID. As for the safe driving degree of the present embodiment, A has the highest safety degree, and the safety degree decreases in the order of B, C, D, E, and F. The driving performance of the driver includes driving frequency, years of driving experience, monthly driving distance, accident / breach history, license color (gold / blue), and car insurance grade. Based on these driving results, the driver's safe driving degree can be determined. It is considered that a driver with a high degree of safe driving has a low probability of causing an accident in the future, and a driver with a low degree of safe driving has a high probability of causing an accident in the future.
[0035]
The driver's optional compensation limit may be further stored in the driver database 56 in association with the security number. Thereby, even if the server 50 receives the certificate number instead of the driver ID from the in-vehicle device 10a, the server 50 can output the insurance compensation limit corresponding to the vehicle 12a to the in-vehicle device 10b.
[0036]
FIG. 5 is a display example of the in-vehicle device 10. In the figure, the current position 20 of the host vehicle and the current positions 22, 24, and 26 of other vehicles are displayed on the map. The in-vehicle device 10 displays the vehicle compensation range of the other vehicle received from the server 50 in association with the current position of the other vehicle together with the current position of the own vehicle. In this map, a dotted line extending below the own vehicle is a traveling locus of the own vehicle, and indicates that the own vehicle is traveling upward on the map. Similarly, the other vehicles 22 and 24 are traveling downward in the figure, and the other vehicle 26 is traveling in the left direction in the figure.
[0037]
The personal terminal 10 shown in FIG. 5 displays only other vehicles approaching toward the own vehicle, that is, vehicles having higher risk for the own vehicle on the screen. As a result, the number of vehicles displayed on the screen is reduced, and a display with high visibility is obtained. However, the screen display of the personal terminal 10 is not limited to this, and all the vehicles that are in the range on the map and have the in-vehicle device 10 mounted thereon may be displayed. Thereby, more information can be displayed on the in-vehicle device 10.
[0038]
On the screen of the in-vehicle device 10, the vehicle compensation range, the driver compensation limit, and the vehicle type information received from the server 50 are displayed together with the current location of the own vehicle in a state where the information is associated with the current location of the other vehicle. Is done. By displaying the vehicle type information at the same time, for example, even when there is a lot of traffic, it is easy to visually check which vehicle is the other vehicle displayed on the screen of the in-vehicle device 10.
[0039]
Further, for other vehicles driven by a driver whose safety driving level does not satisfy a predetermined standard, the safe driving level is displayed in association with the current position of the other vehicle. This allows the driver to act to avoid approaching a vehicle with insufficient compensation capability or safe driving.
[0040]
When transmitting information related to the other vehicle and the driver of the other vehicle to the in-vehicle device 10, the server 50 transmits the vehicle and the driver in a state where the vehicle and the driver cannot be specified for privacy protection. For example, in the present embodiment, a serial number is assigned to the current position of the other vehicle in the order of entry into the display range of the in-vehicle device 10 and transmitted to the in-vehicle device 10. The serial number is cleared to zero when it reaches a predetermined number, for example, 999. This makes it possible to identify a plurality of other vehicles on the screen while protecting the privacy of other vehicles and the drivers of other vehicles.
[0041]
FIG. 6 is a communication sequence when the navigation system 100 notifies the vehicle 12b of the vehicle compensation range of the vehicle 12a. First, the in-vehicle device 10b measures the current position of the vehicle 12b, and transmits the measured current position together with the vehicle ID of the vehicle 12b to the server 50 (S100). Next, the in-vehicle device 10a measures the current position of the vehicle 12a and transmits it to the server 50 together with the vehicle ID of the vehicle 12a and the driver ID of the driver 14a (S102). In Step 100 and Step 102, the in-vehicle device 10a and the in-vehicle device 10b continuously transmit the current positions to the server 50 at predetermined time intervals as the traveling traces of the vehicle 12a and the vehicle 12b.
[0042]
Next, the server 50 determines whether or not the distance between the vehicle 12a and the vehicle 12b is decreasing based on the travel trajectory of the vehicle 12a and the vehicle 12b received in Step 100 and Step 102 (S104). In Step 104, when it is determined that the distance between the vehicle 12a and the vehicle 12b is not decreasing (S104: NO), the server 50 ends the flow without transmitting the information related to the vehicle 12a to the in-vehicle device 10b. If it is determined in step 104 that the distance between the vehicle 12a and the vehicle 12b is decreasing (S104: YES), the server 50 determines the vehicle type of the vehicle 12a from the vehicle database 54 based on the vehicle ID received in step 102. And the vehicle compensation range are extracted (S106). The vehicle compensation range includes self-responsibility information and a vehicle voluntary compensation limit. Then, the server 50 associates the vehicle type of the vehicle 12a with the current position of the vehicle 12a, and transmits the vehicle type to the in-vehicle device 10b specified by the vehicle ID received in Step 100 (S107).
[0043]
Next, the server 50 extracts the driver's optional compensation limit and the safe driving degree of the driver 14a from the driver database 56 based on the driver ID received in step 102 (S108). Next, with reference to the self-responsibility information in the vehicle compensation range extracted in step 106, it is determined whether or not the self-responsibility insurance targeting the vehicle 12a is valid (S110).
[0044]
If it is determined in step 110 that the liability insurance is not valid (S110: NO), the server 50 transmits to the in-vehicle device 10b that the liability insurance for the vehicle 12a is not valid in association with the current position of the vehicle 12a (S112). ). If it is determined in step 110 that the self-liability insurance is valid (S110: YES), the process proceeds to step 114.
[0045]
Next, the server 50 determines whether or not the vehicle optional compensation limit in the vehicle compensation range extracted in step 106 is equal to or greater than a predetermined amount (S114). If it is determined in step 114 that the vehicle optional compensation limit is not equal to or greater than the predetermined amount (S114: NO), the server 50 determines whether or not the driver optional compensation limit extracted in step 108 is equal to or greater than the predetermined amount. Judgment is made (S116).
[0046]
If it is determined in step 116 that the driver's optional compensation limit is not equal to or greater than the predetermined amount (S116: NO), the server 50 determines that the vehicle optional compensation limit and the driver's optional compensation limit of the vehicle 12a are not greater than the predetermined amount. Information is transmitted to the in-vehicle device 10b in association with the current position of the vehicle 12a (S118). If it is determined in step 114 that the vehicle optional compensation limit is equal to or greater than the predetermined amount (S114: YES), the process proceeds to step 120. Similarly, if it is determined in step 116 that the driver's voluntary compensation limit is greater than or equal to a predetermined amount (S116: YES), the routine proceeds to step 120. In the present embodiment, the server 50 determines whether or not to transmit the compensation limit for the optional insurance for the vehicle 12a to the in-vehicle device 10b depending on whether or not a predetermined standard is satisfied. The presence / absence of insurance may be transmitted to the in-vehicle device 10b.
[0047]
Next, the server 50 determines whether or not the safe driving degree of the driver 14a extracted in step 108 satisfies a predetermined standard (S120). The predetermined standard in step 120 is, for example, whether or not the safe driving degree is C or more of A to F. When it is determined in step 120 that the safe driving degree does not satisfy the predetermined standard (S120: NO), the server 50 indicates that the safe driving degree of the driver 14a does not satisfy the standard together with the current position of the vehicle 12a. (S122). In step 122, the server 50 may transmit the safe driving degree of the driver 14a itself to the in-vehicle device 10b together with the current position of the vehicle 12a.
[0048]
If it is determined in step 120 that the safe driving degree satisfies the predetermined standard (S120: YES), step 122 is skipped. Finally, the in-vehicle device 10b sets at least one of the self-responsibility information of the vehicle 12a received from the server 50, the vehicle optional compensation limit, the driver optional compensation limit, and the safe driving degree to the vehicle type and the current position of the vehicle 12a. In association therewith, the current position of the vehicle 12b is displayed on the screen (S124). The driver 14b can freely select which information is received by operating the in-vehicle device 10b. When the vehicle-mounted device 10b receives both the vehicle optional compensation limit and the driver optional compensation limit, the in-vehicle device 10b may display the vehicle optional compensation limit preferentially and may not display the driver optional compensation limit. Thereby, double display of insurance money can be prevented. This sequence is completed.
[0049]
In this embodiment, the vehicle ID or the driver ID is used to specify the insurance contract content that covers at least one of the vehicle and the driver. However, instead of this, the insurance contract is used. The insurance contract content may be specified using the specified security number.
[0050]
In the present embodiment, the vehicle database 54 of the server 50 stores the self-responsibility information and the optional vehicle compensation limit. Instead, the in-vehicle device 10 of the vehicle 12 receives the self-responsibility information and the optional vehicle liability. You may remember the compensation limit. In this case, the in-vehicle device 10a transmits the self-responsibility information and the vehicle arbitrary compensation limit to the server 50 together with the current position of the vehicle 12a.
[0051]
Then, the server 50 sets the self-responsibility information and the vehicle optional compensation limit when the self-compliance information and the vehicle optional compensation limit received from the in-vehicle device 10a are not more than the predetermined standard, that is, when the compensation ability of the vehicle 12a is not more than the predetermined standard. You may output to the vehicle-mounted apparatus 10b with the present position of the vehicle 12a. The in-vehicle device 10b may display the self-responsibility information of the vehicle 12a and the vehicle arbitrary compensation limit received from the server 50 in association with the current position of the vehicle 12a together with the current position of the vehicle 12b.
[0052]
Further, the driver's voluntary compensation limit and driving performance of the driver 14a can be read by the in-vehicle device 10a, and may be recorded on a recording medium such as an IC card carried by the driver 14a. In this case, the in-vehicle device 10a reads the driver's voluntary compensation limit and the driving record of the driver 14a from the recording medium, and transmits them to the server 50. When the driver's voluntary compensation limit or driving performance received from the in-vehicle device 10a is not equal to or greater than a predetermined standard, that is, the server 50 indicates that the driver's compensation capability or the level of safe driving is not equal to or greater than the predetermined standard. Is output together with the current position of the vehicle 12a. In this way, the management of personal information is performed with the recording medium carried by the driver 14 instead of the server 50, thereby reducing the possibility of personal information leaking from the server 50.
[0053]
Further, in the present embodiment, the server 50 transmits the vehicle presence / absence of the liability insurance of the vehicle 12a, the compensation limit of the optional insurance, and the safe driving degree of the driver 14a to the in-vehicle device 10b by comparison with a predetermined standard. However, instead of this, whether the information is acquired from the server 50 and displayed may be switched by the in-vehicle device 10b based on the operation of the driver 14a.
[0054]
As is clear from the above description, according to the navigation system of the present embodiment, it is possible to notify the driver of the presence and position of a vehicle with insufficient compensation capability when an accident occurs. Thus, the driver can take an action to avoid contact or approach with a vehicle with insufficient compensation ability. An insurance company that operates a server can obtain higher customer satisfaction by performing such a service.
[0055]
As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. Various modifications or improvements can be added to the above embodiment. It is apparent from the description of the scope of claims that embodiments with such changes or improvements can be included in the technical scope of the present invention.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of a navigation system 100 according to an embodiment of the present invention.
2 is a block diagram showing a configuration of a server 50. FIG.
3 is an example of a data format of a vehicle database 54. FIG.
4 is an example of a data format of a driver database 56. FIG.
FIG. 5 is a display example of the in-vehicle device 10;
FIG. 6 is a communication sequence when the navigation system 100 notifies the vehicle 12b of the vehicle compensation range of the vehicle 12a.
[Explanation of symbols]
10 On-vehicle device 12 Vehicle
14 drivers 50 servers
52 Output Unit 54 Vehicle Database
56 Driver database 60 Recording medium
80 network

Claims

A first and second in-vehicle device mounted on the first and second vehicles, respectively, and a server; and a current position of the first vehicle is displayed on the second in-vehicle device of the second vehicle. In the navigation system,
The first in-vehicle device transmits a first current position that is a current position of the first vehicle and a first vehicle ID that identifies the first vehicle to the server,
The server
A vehicle database storing a first vehicle compensation range indicating a compensation range of automobile insurance in which the first vehicle is subject to compensation in association with the first vehicle ID;
The first vehicle compensation range is extracted from the vehicle database based on the first vehicle ID received from the first in-vehicle device, and the extracted first vehicle compensation range is combined with the first current position and the second An output unit for outputting to the in-vehicle device,
The second vehicle-mounted device displays the first vehicle compensation range received from the server in association with the first current position together with a second current position that is a current position of the second vehicle. And navigation system.

The output unit outputs the extracted first vehicle compensation range together with the first current position to the second in-vehicle device only when the extracted first vehicle compensation range is not equal to or greater than a predetermined reference. The navigation system according to claim 1.

The vehicle database includes, as the first vehicle compensation range, first self-responsibility information indicating whether or not self-responsibility insurance (automobile liability insurance) that covers the first vehicle is valid as the first vehicle compensation range. Store in association with the vehicle ID,
The output unit extracts the first self-responsibility information from the vehicle database based on the first vehicle ID received from the first in-vehicle device, and the extracted first self-responsibility information indicates the first vehicle. In the case where it indicates that the liability insurance subject to compensation is not valid, the first liability information is output to the second in-vehicle device together with the first current position,
2. The second in-vehicle device displays the first self-responsibility information received from the server in association with the first current position together with the current position of the second vehicle. Navigation system.

The vehicle database associates, as the first vehicle compensation range, a first vehicle optional compensation limit, which is information indicating a compensation limit of optional insurance for which the first vehicle is subject to compensation, with the first vehicle ID. Store
The output unit extracts the first vehicle arbitrary compensation limit from the vehicle database based on the first vehicle ID received from the first in-vehicle device, and the extracted first vehicle optional compensation limit is the first vehicle Along with the current position, further output to the second in-vehicle device,
2. The second in-vehicle device displays the first vehicle optional compensation limit received from the server in association with the first current position together with the current position of the second vehicle. The navigation system described in.

5. The output unit outputs the fact to the second in-vehicle device only when the compensation limit indicated by the extracted first vehicle optional compensation limit is not equal to or greater than a predetermined amount. The navigation system described in.

The vehicle database stores the vehicle type of the first vehicle in association with the first vehicle ID,
The output unit extracts the vehicle type from the vehicle database based on the first vehicle ID received from the first in-vehicle device, and extracts the extracted vehicle type together with the first current position to the second in-vehicle device. Further output to
The navigation system according to claim 1, wherein the second in-vehicle device further displays the vehicle type received from the server in association with the first current position.

The server is associated with a first driver ID that identifies the first driver who drives the first vehicle, and indicates a compensation limit for optional insurance that covers the first driver. A driver database storing the first driver's voluntary compensation limit as information;
The first in-vehicle device acquires the first driver ID that identifies the first driver who drives the first vehicle, and further transmits the first driver ID to the server.
The output unit extracts the first driver optional compensation limit from the driver database based on the first driver ID received from the first in-vehicle device, and extracts the first driver optional compensation Further output the limit to the second in-vehicle device;
The navigation system according to claim 1, wherein the second in-vehicle device further displays the first driver's optional compensation limit received from the server in association with the first current position.

The said output part outputs that to the said 2nd vehicle-mounted apparatus, only when the said compensation limit amount which the said 1st driver | operator's arbitrary compensation limits extracted is not more than predetermined amount. 8. The navigation system according to 7.

The server is associated with a first driver ID that identifies a first driver that drives the first vehicle, and is a first safety level that is a degree of safe driving based on the driving performance of the first driver. It further has a driver database storing driving degrees,
The first in-vehicle device acquires the first driver ID that identifies the first driver who drives the first vehicle, and further transmits the first driver ID to the server.
The output unit extracts the first safe driving degree from the driver database based on the first driver ID received from the first in-vehicle device, and further extracts the extracted first safe driving degree. Output to the second in-vehicle device,
The navigation system according to claim 1, wherein the second in-vehicle device further displays the first safe driving degree received from the server in association with the first current position.

The output unit outputs the safe driving degree together with the first current position to the second in-vehicle device only when the extracted safe driving degree does not satisfy a predetermined standard. 9. The navigation system according to 9.

The output unit outputs the extracted first vehicle compensation range together with the first current position only when the distance between the first current position and the second current position is decreased. The navigation system according to claim 1, wherein the navigation system outputs the data.

A first and second in-vehicle device mounted on the first and second vehicles, respectively, and a server; and a current position of the first vehicle is displayed on the second in-vehicle device of the second vehicle. In the navigation system,
The first in-vehicle device includes a first current position, which is a current position of the first vehicle, and a first vehicle compensation range indicating a compensation range of automobile insurance for compensation of the first vehicle. To the server,
When the first vehicle compensation range received from the first in-vehicle device is not equal to or greater than a predetermined reference, the server sends the first vehicle compensation range to the second in-vehicle device together with the first current position. Output,
The second vehicle-mounted device displays the first vehicle compensation range received from the server in association with the first current position together with a second current position that is a current position of the second vehicle. And navigation system.

A server that connects to first and second vehicle-mounted devices mounted on the first and second vehicles, respectively, and displays the current position of the first vehicle on the second vehicle-mounted device of the second vehicle. There,
A vehicle database storing a first vehicle compensation range indicating a compensation range of automobile insurance in which the first vehicle is compensated in association with a first vehicle ID that identifies the first vehicle;
Extracting the first vehicle compensation range from the vehicle database based on the first vehicle ID received from the first in-vehicle device, and extracting only when the extracted first vehicle compensation range is not greater than or equal to a predetermined reference And an output unit that outputs the first vehicle compensation range together with the first current position to the second vehicle-mounted device.

Using the first and second in-vehicle devices mounted on the first and second vehicles, respectively, and the server, the current position of the first vehicle is set in the second in-vehicle device of the second vehicle. A navigation method to display,
Transmitting a first current position that is a current position of the first vehicle and a first vehicle ID that identifies the first vehicle from the first in-vehicle device to the server;
Managing, in the server, a first vehicle compensation range indicating a compensation range of automobile insurance for compensation of the first vehicle in association with the first vehicle ID;
The first vehicle compensation range is extracted based on the first vehicle ID transmitted from the first in-vehicle device to the server, and is extracted when the extracted first vehicle compensation range is not equal to or greater than a predetermined standard. In the step of outputting the first vehicle compensation range together with the first current position from the server to the second in-vehicle device, and in the second in-vehicle device, the first vehicle compensation range output from the server And a step of displaying together with the current position of the second vehicle in association with the first current position.

Connected to first and second in-vehicle devices mounted on the first and second vehicles, respectively, and for displaying the current position of the first vehicle on the second in-vehicle device of the second vehicle The program of
A vehicle information management function for managing a first vehicle compensation range indicating a compensation range of automobile insurance for compensation of the first vehicle in association with a first vehicle ID for identifying the first vehicle;
The first vehicle compensation range is extracted based on the first vehicle ID received from the first vehicle-mounted device, and the extracted first vehicle is extracted when the extracted first vehicle compensation range is not equal to or greater than a predetermined reference. A program for causing the computer to realize an output function for outputting a compensation range together with the first current position to the second in-vehicle device.