Abstract:
Disclosed are a method and a device for processing an automobile insurance, and more particularly a method and a device for processing an automobile insurance according to a driving distance and time. The method according to the invention includes the steps of purchasing a card, on which a predetermined information on the insurance is recorded, at a price discriminated according to the existing method of calculating an insurance fee, inputting the predetermined information on the insurance recorded on the purchased card to a card reader of the insurance processing system mounted on a vehicle, memorizing the information on the insurance read out by a microcomputer from the card reader in a memory device controlled by the microcomputer, and displaying the same on a display section, inputting driving information sensed by a vehicle driving information sensor connected to the prepaid card-type insurance processing system as the vehicle drives, computing a remaining insurance value or a used insurance value by means of the microcomputer based on the insurance information read out by the card and the driving information inputted by the vehicle driving information sensor, and renewing or extinguishing an insurance value recorded on the card by transmitting the remaining insurance value or the used insurance value computed by the microcomputer to the card reader. The device according to the invention includes a card, on which a predetermined insurance value is recorded, driving sensing means for sensing a driving time or distance of a vehicle, and processing means for reading out insurance information recorded on the card after the card is inserted, displaying a remaining insurance value, calculating a predetermined extinguishing insurance value, subtracting the extinguished insurance value from the remaining insurance value according to a driving time or distance inputted from the driving sensing means, and re-recording the remaining insurance value on the card.

Description:
BACKGROUND OF THE INVENTION  
         [0001]    1. Field of the Invention  
           [0002]    The present invention relates to a method and a system of processing an automobile insurance, and in particular, a method and a system of processing an automobile insurance according to driving distance and time of a vehicle.  
           [0003]    2. Description of the Prior Art  
           [0004]    The current automobile insurances are period-based insurances, which compensate for an accident occurred during the period of insurance according to an article of the corresponding insurance once after a vehicle owner pre-pays an insurance fee.  
           [0005]    U.S. Pat. No. 5,797,134 (Aug. 8, 1998) discloses a method of calculating an insurance fee by obtaining driving information on a vehicle, while U.S. Pat. No. 5,459,304 (Oct. 17, 1995) and French Application Serial No. 93/05406 (Apr. 30, 1993) disclose a technique of renewing the period of an insurance through communication with the insurance company after elapse of a predetermined period of time by using a card-type insurance card loaded on a vehicle. However, those methods teach a renewal of an insurance through communication with the insurance company upon expiry of the insurance recorded on a card irrespective of a driving distance or a driving time of a vehicle. The calculation of an insurance fee may be made by investigating databasing the information on vehicle law violation, driving distance, driving time, etc. so as to enhance efficiency of determining an insurance fee at the time of subscribing the insurance. However, those methods are nothing more than a manner of extinguishing an insurance fee after elapse of a certain period of time irrespective of a driving time, driving distance or a driving velocity of a vehicle. Therefore, those methods are disadvantageous for the motorists who do not drive the vehicles so frequently or do not violate the vehicle law.  
         SUMMARY OF THE INVENTION  
         [0006]    It is, therefore, an object of the present invention to provide a method and a system for processing automobile insurance by using a card capable of calculating an insurance fee on a rational basis by considering a driving time, driving distance and a driving velocity of a vehicle once after a driver purchases a debit insurance card effective for a set period of time or distance.  
           [0007]    To achieve the above and other objects, there is provided a method for processing an automobile insurance according to a driving time and distance by using a card, comprising the steps of: purchasing a card, on which a predetermined amount of an insurance value is recorded through calculation of the insurance fee at a discriminated price according to the conventional method of calculating an insurance fee; and recording a remaining insurance value and information on a vehicle driving on the card based on the calculated result.  
           [0008]    To achieve the above and other objects, there is also provided a device for processing an automobile insurance according to a driving time and distance, comprising: a card recording a predetermined amount of an insurance fee; driving sensing means for sensing a driving time or distance of a vehicle; processing means for reading information on the insurance recorded on the card if the card is inserted thereto to display a remaining insurance value and calculate a predetermined amount of the extinguished insurance value, subtracting the extinguished insurance value from the remaining insurance value according to a driving time or distance inputted from the driving sensing means, and recording the remaining insurance value on the card. 
       
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
       [0009]    The above and other objects, features and advantages of the present invention will become more apparent from the following description when taken in conjunction with the accompanying drawings, in which:  
         [0010]    [0010]FIG. 1 is a conceptual diagram illustrating a concept of processing an automobile insurance by using a card according to the present invention;  
         [0011]    [0011]FIG. 2 is a schematic diagram illustrating an insurance processing system mounted on a vehicle according to the present invention;  
         [0012]    [0012]FIGS. 3A and 3B are views of cards according to embodiments of the present invention;  
         [0013]    [0013]FIG. 4 is a flow chart illustrating a process of extinguishing an insurance value of a card according to a first embodiment of the present invention;  
         [0014]    [0014]FIG. 5 is a flow chart illustrating a process of calculating an extinguished insurance value discriminatingly applicable in accordance with a velocity of a vehicle according to the second embodiment of the present invention;  
         [0015]    [0015]FIG. 6 is a flow chart illustrating a process of extinguishing an insurance value according to a third embodiment of the present invention; and  
         [0016]    [0016]FIG. 7 is a flow chart illustrating a process of extinguishing an insurance value according to a fourth embodiment of the present invention.  
     
    
     DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS  
       [0017]    Preferred embodiments of the present invention will be described herein below with reference to the accompanying drawings. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.  
         [0018]    [0018]FIG. 1 is a conceptual diagram illustrating a concept of processing an automobile insurance by using a card according to the present invention. According to FIG. 1, a client  104  purchases a card  106  by paying a predetermined amount of an insurance fee to an insurance company  102 . The card  106  here may be a prepaid card, credit card, or a transportation card, etc., and may be classified into a time-set type and a distance-set type according to an “insurance value” (i.e., the insuring time or distance), as shown in FIGS. 3A and 3B.  
         [0019]    There are two types of extinguishing the insurance value recorded on the card: extinguishing the value according to a driving time; and extinguishing the value according to a driving distance. Even each of these two types can further be classified into two manners: an absolute manner of extinguishing the value by considering either a driving time or a driving distance only; and a conditioned manner of extinguishing the value by considering driving conditions (a driving velocity, etc.) in addition to the driving time or the driving distance. Another available manner is a combined manner of considering both the driving time and distance.  
         [0020]    Referring to FIG. 1, an insurance processing device  108  is mounted on a vehicle  112 , to which the present invention is applicable. The client  104  purchases the card  106  from the insurance company  112 , and inserts the card  106  to the insurance processing device  108  when starting up the vehicle  112 . Once the vehicle l 12  is driven, the card  106  senses the insured time or distance depending on a driving time or distance according to the present invention. If a traffic accident occurs in the course of driving, a driver reports the accident to a police  116  and to the insurance company  102 . The insurance company then collects the card  106  to read the driving information and determine validity of the card so as to compensate for an insurance amount to the injured and the insurance subscriber (client) according to the insurance article.  
         [0021]    Thus, the insurance fee can be settled on a rational basis because the insurance value is extinguished depending on the driving time or distance and only when the vehicle  112  is on a driving status.  
         [0022]    [0022]FIG. 2 is a schematic diagram illustrating an insurance processing system mounted on a vehicle according to the present invention. FIG. 2 shows that an insurance processing system  108  comprises a microprocessor( 202 ), a driving distance sensing section  204 , a driving velocity sensing section  206 , a driving sensing section  208 , a buzzer  216 , a display section  218 , a card input/output section  220 , a memory device  221 , an input device  222 , and a communication control section  223 .  
         [0023]    Referring to FIG. 2, the debit insurance card (hereinafter, referred to as a “card”)  106  records information related to calculation of an insurance value including an insurance fee calculating formula of an insurance value rate according to a driving time or a driving distance, a type of an insurance such as an amount-set type, a time-set type or a distance-set type, and personal information of the insurance subscriber, etc. The card  106  can record or delete such information on a recording section comprising a semiconductor chip including a flash memory, etc. or a magnetic tape.  
         [0024]    If the driver  110  of a vehicle having a prepaid card-type insurance processing system inputs a start-up key to the vehicle for start-up, the microprocessor  202  of the prepaid card-type insurance processing system determines whether or not the card has been inserted to the card input/output section  220  of the card reader, which can read or record the information on the card  106 .  
         [0025]    In the negative, the microprocessor  202  either transmits characters requiring an insertion of the card  106  to the display section  218  or generates a buzzer sound through the buzzer  216 .  
         [0026]    Though not shown in the drawings, an additional function may be annexed to the prepaid-type insurance processing system so as to cease the start-up of the vehicle by transmitting a driving cessation signal to a vehicle driving control device (a start-up key control section, etc.).  
         [0027]    In the affirmative, the microprocessor  202  displays an amount of insurance value according to the drivable time and distance among the data read by the card reader.  
         [0028]    The microprocessor  202  records the information on the insurance fee rate calculation formula and the data on a type of the insurance inputted from the card  106  on the memory device  221  such as RAM, etc. housed in the microprocessor  202 . Also, in consideration of a recording capacity of the card  106 , the insurance value may be calculated by using the memory device  221  comprising a fixed semiconductor chip such as ROM, etc. in the microprocessor  202  to record the information on the insurance fee rate calculation depending on the type of insurance.  
         [0029]    If the vehicle starts driving, driving information is inputted to the microprocessor  202  from the driving distance sensing section  204 , driving velocity sensing section  206 , driving sensing section  208 , etc.  
         [0030]    A generic device may be utilized as the device of sensing the driving information to extract data required for the present invention. A tachometer, commercialized as a driving recorder, may be utilized if necessary.  
         [0031]    The microprocessor  202  computes information related to the insurance recorded in the memory device  221  of the microprocessor and the driving information to calculate a remaining insurance value or a used insurance value (hereinafter, referred to as a “remaining insurance value”). The calculated result is stored in a storing device  224  comprising a RAM, a rewritable CD, a magnetic recording tape, etc., which are controlled by the microprocessor  202 . The data stored in the storing device  224  are periodically (in a minute unit or a km unit) transmitted to the card reader by the microprocessor  202  so as to extinguish the remaining insurance value of the card for renewal of the insurance value. If a driving cessation signal is inputted from the driving information sensing section, the microprocessor  202  transmits the final data of the storing device  224  to the card reader so as to extinguish the used amount from the remaining insurance value for renewal of the remaining insurance value.  
         [0032]    In case the extinction is simply an insurance fee extinction performed according to a driving time or distance based on the agreement between the insurance company and the driver, information on time and distance, personal information, a type of the insurance, etc. are recorded on the card except the information on the insurance fee rate calculation. Thus, it is obvious to those skilled in the art that the microprocessor  202  needs not perform computation for an insurance fee calculation. What also belongs to the category of the present invention are that the microprocessor  202  receives the driving information during driving from the driving sensing devices without the storing device  224  controlled by the microprocessor  202 , and transmits the received information to the card reader in real time for renewal of the insurance value recorded on the card.  
         [0033]    The microprocessor  202  stores the data inputted from the driving information sensing devices in the storing device  224 , and may periodically delete the stored data considering the capacity of the storing device  224 , etc. The microprocessor  202  may also transmit the stored data to the card reader and record the driving information on the card so as to grasp the driving status before an accident, if occurred, and utilize the recorded information as a statistical material for calculating insurance fees.  
         [0034]    The driver accesses the insurance company via telephone or a public communication network such as data communication network through internet by utilizing a wire or wireless telecommunication network connected to the communication control section  223 , which is controlled by the microprocessor  202  when an additional subscription is determined to be required by reference to the remaining insuring distance and time as well as to the remaining insurance value. Thereafter, personal information including the ID, the password set at the time of subscribing the insurance is transmitted by the input device  222  or by means of a vocal communication so that the microprocessor  202  can receive the required insurance value including the insuring distance and time via a wire or wireless public communication network and the communication control section  223 . The microprocessor  202  transmits the received information to the card reader to renew the remaining insurance value recorded on the card.  
         [0035]    It is obvious to those skilled in the art that the driver may renew the information related to the insurance recorded on the card by means of a card charger installed at affiliated shops designated by the insurance company.  
         [0036]    [0036]FIG. 3A is an exemplary card of a time-set type according to the present invention that may be classified into a 12-hour card, a 24-hour card, a 48-hour card, a three-day card, a week card, a month card, a three-month card, etc. according to an insuring time. FIG. 3B is an exemplary card of a distance-set type card according to the present invention that may be classified into a 100 km card, a 500 km card, a 1000 km card, a 10,000 km card, a 30,000 km card, etc. according to an insuring distance. Such cards can be realized by IC cards or magnetic cards, on which the insuring time/distance, the insurance company, user&#39;s manual may be printed. Electro-magnetically, the cards may record the data such as the card number, the code of a card type, the code of the insurance company, the remaining distance/time, the extinguished time/distance, the driving information, the time of accident, etc. according to a predetermined format.  
         [0037]    [0037]FIG. 4 is a flow chart illustrating a process of extinguishing an insurance value of a card according to a first embodiment of the present invention. The client ( 104  in FIG. 1) purchases a card from the insurance company  102  at a price discriminated according to the conventional insurance fee calculating method. The client  104  then inserts the card to the debit-type insurance processing device  108  mounted on a vehicle when starting up the vehicle.  
         [0038]    If the start-up key is inserted to the vehicle for driving, a power supply is applied to the insurance processing system  108  of the present invention (S 401 ). Subsequently, the microprocessor  202  operates to initialize diverse parameter values (S 402 ). It is then determined whether or not the card  106  has been inserted (S 403 ). In the negative, a buzzer  216  is sounded or characters are displayed such that “Insert the card” on the display section  218  to require insertion of the card (S 404 ).  
         [0039]    In the affirmative, the card input/output section  220  reads the information recorded on the card (S 405 ). The information recorded on the card includes a type of the card (a time-set type or a distance-set type, etc.) and an insurance value such as the remaining insurance time/distance, etc. The read-in insurance value is displayed on the display section  218  comprising an LCD. The information on the insurance fee rate calculation recorded on the card is recorded in a RAM, which is a memory device  221  of the microprocessor  202 . In case that the insurance fee rate calculation formula is pre-set in a ROM of the microprocessor  202 , the ROM is activated.  
         [0040]    The vehicle is driven if the insurance value displayed on the display section  218  is “0” or if no necessity to add the insurance value (or to renew the insurance) is determined by the driver (S 406 ).  
         [0041]    In case that the remaining insurance value is “0”, the microprocessor  202  either sounds the buzzer  216  for warning or displays a warning phrase such as “No insurance applicable” on the display section  218 .  
         [0042]    In case that a necessity to add the insurance value is determined, the driver accesses the insurance company via a wire or wireless telecommunication network or a data communication network to perform a process of adding the insurance value (S 501 ) as will be described later.  
         [0043]    As the vehicle is driven, the vehicle driving information is inputted to the microprocessor  202  from the driving information sensing devices such as the driving distance sensing section  204 , the driving velocity sensing section  206 , etc. (S 407 ).  
         [0044]    The microprocessor  202  calculates the used insurance value based on the inputted driving information and the type of insurance inputted from the card or the insurance fee rate calculating formula already inputted to the microprocessor  202  (S 408 ). The microprocessor  202  then calculates the used insurance vale based on the remaining insurance value inputted from the card (S 409 ), and stores the used insurance value in the storing device  224  (S 410 ). The microprocessor  202  then determines whether or not the driving has been terminated by reference to the driving information inputted from the driving information sensing devices (S 411 ). If the driving is determined to have been terminated, the remaining insurance value recorded in the storing device  224  is transmitted to the card reader so as to renew the remaining insurance value recorded in the card (S 412 ) and to terminate the process.  
         [0045]    The storing section for storing the result calculated in the insurance fee calculating step may record the driving information obtained in the driving information obtaining step as well. If necessary, the microprocessor  202  may periodically read out the driving information record from the storing device  224  or the card either after termination of the driving or during the driving by recording the driving information in the card.  
         [0046]    At this stage, the insurance fee is calculated in the calculation step (S 408 ) of the used insurance value according to the construction of the system of the present invention. It is obvious that present invention includes the process of calculating the used insurance value only without calculating the difference between the insurance fee and the remaining insurance value and stored in the calculating step (S 409 ) of the remaining insurance value, as well as the process of reading out the stored used insurance value with the card reader so as to delete the read-out value from the remaining insurance value recorded in the card upon termination of the driving.  
         [0047]    It is also obvious that the present invention includes a possibility of omitting the step of storing in the storing device  224  if the system is constructed to calculate the remaining insurance value and the used insurance value in real time and to extinguish the remaining insurance value recorded on the card according to the present invention.  
         [0048]    If the driver determines a necessity to add an insurance value in step  406  of determining whether or not to add the insurance value, the driver communicates with the insurance company via a wire or wireless telecommunication network or a data communication network so as to add the insurance value or renew the insurance via the communication control section  223  controlled by the microprocessor  202 .  
         [0049]    According to the an embodiment of the present invention, the communication control section  223  controlled by the microprocessor  202  for adding the insurance value or renewing the insurance is preferably a wire or wireless modem or the one that can be combined with a wire or wireless telecommunication terminal. The microprocessor  202  accesses the server of the insurance company by using a wire or wireless terminal connected to the communication control section  223  by operating a communication software such as a web browser for internet connection, e.g., an Internet Explorer of Microsoft Corporation (S 501 ). The server of the insurance company requires personal information and a password of the driver given at the time of the subscribing the insurance. The driver inputs the above requisites by means of the input device  222  controlled by the microprocessor  202 . The server of the insurance company then identifies the driver (S 502 ). Once the driver is identified to be an insurance subscriber, the server of the insurance company receives a window for inputting the insurance value and the data related to a settlement of the insurance fee including the credit card number, the bank account number, etc. of the driver (S 503 ) to determine whether or not to approve addition of the insurance value (S 504 ). When approved, the added value of the insurance fee as requested by the driver is transmitted to the microprocessor  202  of the driver&#39;s vehicle. The microprocessor  202  receives and displays the transmitted value on the display section  218  (S 507 ), while transmitting the same to the card reader (S 508 ) to renew the remaining insurance value recorded on the card.  
         [0050]    The insurance value can be renewed by the card alone, according to the present invention, when used in a shop installing an insurance value renewing device connected to an insurance company for the purpose of renewing the insurance value such as an addition or a renewal of the insurance.  
         [0051]    An operation of the card value renewing terminal may be realized with the technology well-known in the recycling field of recharging the card when no value remains as a result of reducing the value according to the data recorded on the card.  
         [0052]    [0052]FIG. 5 is a flow chart illustrating a process of calculating an extinguished insurance value discriminatingly applicable in accordance with a velocity of a vehicle according to another embodiment (hereinafter, referred to as “a second embodiment”) of the present invention. FIG. 5 shows the same process as FIG. 4 as long as the step of obtaining the driving information, while illustrating the step of calculating the insurance fee in detail. Therefore, steps  601 ,  602 ,  603 ,  604 ,  605 , and  606  are performed to be the same as the steps  401 ,  402 ,  403 ,  404 ,  405 , and  406  in FIG. 4 illustrating a flow according to the first embodiment of the present invention.  
         [0053]    As shown in FIG. 5, the microprocessor  202  receives information on a driving velocity from the driving information device of the vehicle (S 607 ), and selects the calculation formula received from the card or pre-inputted and memorized in the memory device  221  of the microprocessor  202  (S 608 ). The selected calculation formula is a formula for calculating an insurance value by discriminatingly applying the insurance fee applicable rates according to driving velocities as shown in Table 1 below.  
         [0054]    The microprocessor  202  detects data on velocity from the data in the driving information sensing section, and calculates the driving velocity by using the selected calculation formula to calculate the remaining insurance value (step  609 ). The microprocessor  202  then determines whether or not the driving has been terminated by reference to the driving information inputted from the driving information sensing devices (S 611 ). If the driving is determined to have been terminated, the remaining insurance value recorded in the storing device  224  is transmitted to the card reader so as to renew the remaining insurance value recorded in the card (S 612 ) and to terminate the process.  
                                         TABLE 1                                   Driving Velocity   Premium Rate                                        Up to 120 km/h   1           120-140 km/h   1.2           Higher than 140 km/h   1.4                      
 
         [0055]    As shown in the above Table 1, the unit extinguishing insurance value is applied to actually extinguishing the insurance value when the driving velocity is below 120 km/h, whereas the value multiplying the unit extinguishing insurance value by 1.2 is applied to actually extinguishing the insurance value when the driving velocity is 120 km/h-140 km/h. When the driving velocity is higher than 140 km/h, the value multiplying the unit extinguishing insurance value by 1.4 is applied to actually extinguishing the insurance value. Such values in Table 1 are merely examples, and further detailed classification may be made in actual extinction of the insurance value according to the driving velocities.  
         [0056]    [0056]FIG. 6 is a flow chart illustrating a process of extinguishing an insurance value according to another embodiment (hereinafter, referred to as a “third embodiment”) of the present invention. After purchasing a card, the driver inserts the card to the card reader mounted in a vehicle. The microprocessor  202  then reads in the information related to the insurance including the insurance value, etc., and memorizes the same I the memory device  221 . The memory device  221  used here is preferably an EEPROM or an element having an equal or a higher function, which can always memorize the recorded information irrespective of the switch-on or off of the power supply and can easily delete or modify the memorized record, if necessary.  
         [0057]    Thus, once the driver inputs the card only once after its purchase in the initial driving through a card reader, the debit-type insurance processing system allows driving of a vehicle subscribing an insurance without additional insertions of the card thereafter.  
         [0058]    [0058]FIG. 6 illustrates the insurance processing steps only after the insurance information on the card has been inputted through the card reader according to the third embodiment of the present invention. Once a vehicle key is inputted by the driver for driving of the vehicle (S 701 ), the insurance processing system initializes all the device (S 702 ). The microprocessor  202  then reads out the information recorded in the memory device  221 , which has received and is storing the insurance information including the insurance value recorded on the card, and displays the remaining insurance value on the display section  218  (S 703 ).  
         [0059]    The vehicle is driven if the insurance value displayed on the display section  218  is “0”, or no necessity to add the insurance value (or to renew the insurance) is determined by the driver (S 704 ).  
         [0060]    In case that the remaining insurance value is “0”, the microprocessor  202  either sounds the buzzer  216  for warning, or displays a warning phrase such as “No insurance applicable” on the display section.  
         [0061]    In case that a necessity to add the insurance value is determined, the driver accesses the insurance company via a wire or wireless telecommunication network or a data communication network to perform a process of adding the insurance value as will be described later (S 801 ).  
         [0062]    The microprocessor  202  performs a series of steps  705 ,  706 ,  707 ,  708  and  709  including an acquisition of driving information shown in FIG. 6 to be the same as the steps  407 ,  408 ,  409 ,  410  and  411  in FIG. 4 illustrating a flow according to the first embodiment of the present invention. The microprocessor  202  renews the remaining insurance value recorded in the memory device by transmitting the remaining insurance value or the used insurance value to the memory device upon termination of the driving (S 710 ).  
         [0063]    Also, as in case of the first embodiment, the microprocessor  202  inserts the card to the card reader if a necessity to renew (recharge) the insurance value stored in the memory device  221  (S 801 ). The microprocessor  202  then reads out the insurance information recorded on the card to determine whether or not the read-out insurance information accords with the initially inputted insurance information (S 802 ). The microprocessor  202  subsequently displays the insurance value of the card on the display section. If any remaining insurance value exists, the microprocessor  202  transmits the remaining insurance value to the memory device to renew the insurance value of the memory device (S 803 ). If no remaining insurance value exists, the driver performs a step of receiving an insurance value on the card by accessing the insurance company. FIG. 6 illustrates these steps to be steps  804  to  811 , which are identical to the steps  501  to  508  in FIG. 4 illustrating the first embodiment of the present invention. Thus, the detailed description on the steps  804  to  811  will be omitted here. Upon renewal of the insurance value of the card (S 811 ), the microprocessor  202  reads out the insurance value of the card to renew the insurance value in the memory device (S 812 ).  
         [0064]    As in case of the first embodiment, the third embodiment of the present invention is capable of storing the driving information in the storing device  224  together with the remaining insurance value. Further, the insurance value calculation result can be transmitted to the memory device  221  in real time to renew the insurance value in the memory device.  
         [0065]    [0065]FIG. 7 is a flow chart illustrating a process of directly inputting the insurance fee agreed between the driver and the insurance company in the memory device of the prepaid-type insurance processing system mounted on a vehicle via a communication network without relying on the card according to another embodiment (hereinafter, referred to as a “fourth embodiment”) of the present invention. The prepaid-type insurance processing system according to the fourth embodiment is first installed in a vehicle upon agreement between the driver and the insurance company. Diver information related to the insurance as well as the insurance value are inputted in the memory device  221  of the system. When the insurance value has been extinguished, the driver accesses the server of the insurance company The server of the insurance company then identifies the subscriber by reference to the password registered at the time of subscription. The driver subsequently becomes able to recharge the insurance value from the insurance company via a wire or wireless telecommunication network.  
         [0066]    The microprocessor  202  receiving the insurance value through the wire or wireless telecommunication network stores the insurance value in the memory device  221 . The memory device  221  used here is preferably an EEPROM or an element having an equal or a higher function, which can always memorize the recorded information irrespective of the switch-on or off of the power supply and can easily delete or modify the memorized record, if necessary.  
         [0067]    A password is required for mutual authentication in transmitting and receiving the insurance value between the insurance company and the driver. The encoding method used here is preferably a public key method, which is a well-known technology in the encoding field. If necessary, a private key method may be selected or an encoding program developed by the insurance company may be utilized.  
         [0068]    The driver thus can receive the insurance value when installing the system of the present invention, and remotely recharge the insurance value while in use via a wire or wireless telecommunication network, if necessary. Therefore, it is possible to drive the vehicle insured to pay an insurance fee according to use of the vehicle.  
         [0069]    The following is a detailed description of the processing steps according to the fourth embodiment of the present invention. Referring to FIG. 7, the driver and the insurance company concludes an agreement on insuring conditions. The insurance company installs the prepaid-type insurance processing system in the driver&#39;s vehicle, to which the present invention is applicable. The insurance company then inputs information related to the insurance including the insurance value in the memory device  221 .  
         [0070]    The subsequent steps are identical to steps  701  through  710  as shown in FIG. 6 illustrating the third embodiment of the present invention.  
         [0071]    To be specific, once the driver inserts a key for start-up of a vehicle, the insurance processing system initializes all the devices (step  902 ). Microprocessor  202  reads out the information recorded in the memory device  221 , and displays the remaining insurance value on the display section  218  (step  903 ).  
         [0072]    The vehicle is driven, if the insurance value displayed on the display section  218  is “0”, or if no necessity to add (or renew) the insurance fee is determined by the driver (step  904 ).  
         [0073]    In case that the remaining insurance value is “0”, the microprocessor  202  either sounds the buzzer  216  for warning or displays a warning phrase such as “no insurance applicable” on the display section.  
         [0074]    In case that a necessity to add the insurance value is determined, the driver performs a process of adding the insurance value by accessing the insurance company via wire or wireless telecommunication network or a data communication network, as will be described later (step  950 ).  
         [0075]    The microprocessor  202  subsequently performs steps  905  through  909  in FIG. 7 to be identical to steps  407  through  411  in FIG. 4. Upon termination of the driving, the remaining insurance value or the used insurance value is transmitted to the memory device  221  (step  910 ) to renew the remaining insurance value recorded in the memory device.  
         [0076]    If a necessity to renew (recharge) the insurance value stored in the memory device  221  is determined as in case of the first embodiment, the driver performs a process of receiving the insurance value by accessing the insurance company as illustrated in steps  950  through  956  in FIG. 7, the description of which is omitted here due to identity to steps  501  through  506  in FIG. 4. The microprocessor  202  receives the insurance value received by the communication control section, and renew the insurance value in the memory device  221  (step  956 ).  
         [0077]    According to the fourth embodiment of the present invention, the driving information can be stored in the storing device  224  together with the remaining insurance value, as in case of the first embodiment. Also, the insurance value may be renewed by transmitting the calculated insurance value to the memory device  221  in real time.  
         [0078]    The following is a description of another embodiment (hereinafter, referred to as a “fifth embodiment”; no flow chart is shown in the drawings) of the present invention. According to the fifth embodiment, the driving information is inputted from a driving information sensor attached to a vehicle to calculate the remaining insurance value in the first through the fourth embodiments of the present invention, and is recorded in the card  106 , a storing device  224  or in the memory device  221 . The stored driving information and the remaining insurance value are periodically (e.g., once every month) read out by the microprocessor  202  and transmitted to the server of the insurance company via a wire or wireless telecommunication terminal. Otherwise, the driver may transmit the stored driving information and the remaining insurance value to the server of the insurance company through an access thereto on an irregular basis. Also, when the remaining insurance value has a predetermined value (e.g., below 10% of the subscribed insurance value), the microprocessor  202  recognizes the value, and transmits the driving information and the remaining insurance value to the server of the insurance company The server of the insurance company transmits a phrase, etc. requiring a renewal of the insurance value on the display section  218  of the insurance processing device of the present invention.  
         [0079]    When the server of the insurance company requires the recorded information through communication between the microprocessor  202  and the server of the insurance company, the microprocessor  202  reads out and transmits the pertinent information to the server of the insurance company.  
         [0080]    The server of the insurance company may make the information as a database related to an insurance subscription. The server of the insurance company transmits the remaining insurance value and record of use, etc. to the driver based on the information via E-mail, an internet terminal, or the display section  218  of the insurance processing device of the present invention.  
         [0081]    As described above, the present invention realizes a rational automobile insurance system by paying an insurance fee according to an actual driving time or distance rather than according to a period of insurance. Since the insurance fee is paid depending on the driving of a vehicle, the practice of unnecessary driving can be particularly avoided by utilizing present invention, thereby contributing to the energy policy and the transportation policy as well as to an environment in reducing the pollution. Further, driving with excessive speed can be prevented and traffic accidents can be reduced by discriminatingly imposing the insurance fee according to driving velocities. Moreover, purchasing and recharging the card for paying the insurance fee also serve for saving the expenses and user convenience.  
         [0082]    While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.