Patent analysis and study for Usage-based insurance (UBI) of FinTech

• Main Authors: Guei-Ling Wang, 汪桂玲
• Other Authors: Chien-Chung Yuan
• Format: Others
• Language: zh-TW
• Published: 2017
• Online Access: http://ndltd.ncl.edu.tw/handle/95688736980777090417

碩士 === 國立臺灣科技大學 === 高階科技研發碩士在職專班 === 105 === Financial technology, also known as FinTech, is an industry composed of companies that use new technology and innovation with available resources in order to compete in the marketplace of traditional financial institutions and intermediaries in the delivery of financial services. In FinTech proliferation, including automation of insurance, trading and risk management, that called insurance technology (known as InsurTech), the scope of application includes vehicle insurance, action insurance management, small business insurance, insurance industry software. Vehicle insurance in the past is a fixed charge, the insured are passive or static information provided as a basis for insurance, such as: age, gender, personal driving record, car status ... and so on, this traditional insurance model lack a perfect risk calculation and flexibility. And today's mobile device popularity, Internet of Things and cloud computing services goes to the vigorous with combine insurance and technology, this innovative application can be based on real-time driving behavior, road vehicle traffic monitoring and vehicle health status, dynamic adjustment and tailor-made new insurance rates, to provide insured with more fair premium to reduce premiums and enhance driving behavior. In this study will introduce discuss the main leading companies in the world form patent management of UBI. Through patent of technology life map and technical analysis indicators to discussion for patent portfolio and development trend, and also in-depth study of its patent value, research and development capabilities and patent litigation strength analysis.