公开(公告)号：CA2337780A1

公开(公告)日：2001-10-20

申请号：CA2337780

申请日：2001-02-15

Applicant: IBM

Inventor： JONES STEVEN PAUL ,  BATES CARY LEE ,  SANTOSUOSSO JOHN MATTHEW ,  NELSON ERIC JOHN

IPC: G06Q40/08 ,  G06F19/00 ,  G06F17/60

Abstract: An apparatus, program product and method track the location of a vehicle during at least a portion of a period of the time associated with an economic transaction so that risks associated with the actual usage of the vehicle can be accommodated in the costs for the transaction. In particular, a determination is made during a time period associated with an economic transaction as to whether the vehicle is located at a location having an increased level of risk. Cost s for the economic transaction are then adjusted based at least in part on the presence of the vehicle in a location with an increased level of risk. In one exemplary environment, car rental rates a re adjusted based upon the actual usage of a rented vehicle. In another exemplary environment, insurance premiums are adjusted based upon the actual usage of an insured vehicle. In either event, usage that results in a vehicle being located in areas of comparatively higher risk can be accounted for in additional transactional costs, resulting in improved allocation of risk and minimizati on of economic inefficiencies.

公开(公告)号：DE10110579A1

公开(公告)日：2001-10-31

申请号：DE10110579

申请日：2001-03-06

Applicant: IBM

Inventor： BATES CARY LEE ,  JONES STEVEN PAUL ,  NELSON ERIC JOHN ,  SANTOSUOSSO JOHN METTHEW

IPC: G06Q40/08 ,  G06F17/60

Abstract: The procedure for carrying out a financial transaction for the use of a vehicle over a given period of time includes tracking the vehicle location during at least one part of the time period actually associated with the financial transaction and adjusting the costs associated with the transaction at least partly on the basis of the fact that the vehicle is/was located at a location having an increased risk rating.