| 摘要 |
Method and system for reasonably calculating an automobile insurance premium using a smart card stored with motoring information, diagnosis information, and maintenance information of the automobile are disclosed. An insurance applicant accesses an insurance company server through a communication network by inserting the smart card into a predetermined terminal of PC. Based on the motoring information, diagnosis information, and maintenance information stored in the smart card, the automobile insurance premium is calculated. An insurance information applet from the insurance company server is downloaded and stored into the smart card. The insurance information applet further comprises first-aid information inputted by the insurance applicant, and uses such first-aid information when the traffic accident occurs.
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