CN106204286A - Vehicle premium generates method and system - Google Patents
Vehicle premium generates method and system Download PDFInfo
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- CN106204286A CN106204286A CN201610565580.8A CN201610565580A CN106204286A CN 106204286 A CN106204286 A CN 106204286A CN 201610565580 A CN201610565580 A CN 201610565580A CN 106204286 A CN106204286 A CN 106204286A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The invention discloses a kind of vehicle premium and generate method, including: obtain the essential information of the vehicle to be insured that client sends；According to described essential information and premium create-rule, the scheme of insuring corresponding to vehicle to be insured and corresponding premium described in generation；Insure scheme and corresponding premium sends to described client and shows by described, the described scheme of insuring is adjusted and/or insures process for described client correspondence user.The invention also discloses a kind of vehicle premium and generate system.Present invention achieves the easy scheme of most preferably insuring quickly obtaining vehicle of user, and then avoid the troublesome calculation of every premium.
Description
Technical field
The present invention relates to communication technical field, particularly relate to vehicle premium and generate method and system.
Background technology
In prior art, user is the selection manually completing insured items on insurance company website, Jin Ersheng
Become corresponding scheme of insuring and premium, but due to user the service conditions of unfamiliar insurance company, such as premium discount, sales promotion
The information such as preferential, meanwhile, premium discount, promotional offer form varied and the process of calculating is complicated, therefore, existing mode is also
Being not easy to client oneself and calculate and obtain optimal scheme of insuring, further, existing mode limits insurance public affairs too
The development of department's related service.
Summary of the invention
Present invention is primarily targeted at offer, it is desirable to provide a kind of vehicle premium generates method and system, it is intended to solve
The implementation of existing technology of insuring is not easy to the technical problem of the optimal scheme of insuring of the simple and efficient acquisition of user.
For achieving the above object, the present invention provides a kind of vehicle premium to generate method, and described vehicle premium generates method bag
Include:
Obtain the essential information of the vehicle to be insured that client sends；
According to described essential information and premium create-rule, scheme of insuring corresponding to vehicle to be insured described in generation and right
Answer premium；
Scheme is insured and corresponding premium sends to described client and shows, for described client correspondence user by described
Be adjusted the described scheme of insuring and/or insure process.
Preferably, described essential information at least includes: owner information, license plate number, Vehicle Identify Number, engine mumber, vehicle type
Number, buy in the time limit and buying expenses one or more.
Preferably, include before the essential information of the vehicle to be insured that described acquisition client sends:
Set up communication connection with described client, and default information input interface is sent extremely described client, for
Described client correspondence user inputs described essential information according to default pattern of the input.
Preferably, described according to described essential information and premium create-rule, corresponding to vehicle to be insured described in generation
Scheme of insuring and corresponding premium include:
According to described owner information and/or described license plate number and/or described Vehicle Identify Number and/or described engine mumber, really
Whether vehicle to be insured described in Ding is continuation of insurance vehicle；
If continuation of insurance vehicle, then original scheme of insuring of vehicle to be insured described in employing, and according to the continuation of insurance vehicle set
Discount, revises the policy-holder currently corresponding with vehicle to be insured described in generation accordingly to described original scheme of insuring
Case and corresponding premium.
Preferably, described according to described essential information and premium create-rule, corresponding to vehicle to be insured described in generation
Scheme of insuring and corresponding premium include:
According to described owner information and/or described license plate number and/or described Vehicle Identify Number and/or described engine mumber, really
Whether vehicle to be insured described in Ding is continuation of insurance vehicle and whether there is the record that is in danger；
The record if continuation of insurance vehicle and existence are in danger, then original scheme of insuring of vehicle to be insured described in employing, and according to
The continuation of insurance vehicle discount and the premium corresponding to record of being in danger that set adjust ratio, carry out described original scheme of insuring
Revise the insure scheme currently corresponding with vehicle to be insured described in generation and corresponding premium accordingly.
Preferably, described according to described essential information and premium create-rule, corresponding to vehicle to be insured described in generation
Scheme of insuring and corresponding premium include:
According to described vehicle model and/or the described purchase time limit and/or described buying expenses, vehicle to be insured described in adjustment
Corresponding insured items and corresponding expense, and the currently corresponding scheme of insuring of vehicle to be insured described in generating and corresponding protect
Take.
Further, for achieving the above object, the present invention also provides for a kind of vehicle premium and generates system, described vehicle premium
Generation system includes: client and cloud service platform；
Described client, for and described cloud service platform set up communication connection, and receive described cloud service platform and sent out
The information input interface preset sent, inputs vehicle to be insured for described client correspondence user according to default pattern of the input
Essential information；
Described cloud service platform, for obtaining the essential information of the vehicle to be insured that described client sends, according to described
Essential information and premium create-rule, the scheme of insuring corresponding to vehicle to be insured and corresponding premium described in generation, and by described
Scheme of insuring and corresponding premium send to described client；
Described client is additionally operable to receive and insure described in display scheme and corresponding premium, for described client to application
The described scheme of insuring is adjusted and/or insures process by family.
Preferably, described essential information at least includes: owner information, license plate number, Vehicle Identify Number, engine mumber, vehicle type
Number, buy in the time limit and buying expenses one or more.
Preferably, described cloud service platform is additionally operable to:
According to described owner information and/or described license plate number and/or described Vehicle Identify Number and/or described engine mumber, really
Whether vehicle to be insured described in Ding is continuation of insurance vehicle；
If continuation of insurance vehicle, then original scheme of insuring of vehicle to be insured described in employing, and according to the continuation of insurance vehicle set
Discount, revises the policy-holder currently corresponding with vehicle to be insured described in generation accordingly to described original scheme of insuring
Case and corresponding premium.
Preferably, described cloud service platform is additionally operable to:
According to described vehicle model and/or the described purchase time limit and/or described buying expenses, vehicle to be insured described in adjustment
Corresponding insured items and corresponding expense, and the currently corresponding scheme of insuring of vehicle to be insured described in generating and corresponding protect
Take.
In the present invention, the vehicle essential information inputted from client according to user and the premium create-rule of setting, i.e.
Can directly obtain this insure scheme of insuring corresponding to vehicle and corresponding premium, thus avoid the loaded down with trivial details of user's manual calculations and
The cost allowance caused owing to being unfamiliar with the dependency rule of premium.Additionally, obtaining the same of insure accordingly scheme and premium
Time, this scheme of insuring can also be modified adjustment by user on the client, thus meets user's request to greatest extent,
Scheme of insuring determined by user afterwards and premium can carry out process of insuring, so that scheme of insuring determined by user is raw
Effect.Present invention achieves the easy scheme of most preferably insuring quickly obtaining vehicle of user, and then avoid the troublesome calculation of every premium.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet that vehicle premium of the present invention generates method first embodiment；
Fig. 2 is the schematic flow sheet that vehicle premium of the present invention generates method the second embodiment；
Fig. 3 is the refinement schematic flow sheet of step S20 first embodiment in Fig. 1；
Fig. 4 is the refinement schematic flow sheet of step S20 the second embodiment in Fig. 1；
Fig. 5 is the high-level schematic functional block diagram that vehicle premium of the present invention generates system one embodiment.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further referring to the drawings.
Detailed description of the invention
Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
It is the schematic flow sheet that vehicle premium of the present invention generates method first embodiment with reference to Fig. 1, Fig. 1.In the present embodiment,
Described vehicle premium generates method and includes:
Step S10, obtains the essential information of the vehicle to be insured that client sends；
In the present embodiment, client both can be mobile terminal, such as mobile phone, panel computer etc., it is also possible to is PC computer.
Additionally, optional, described essential information at least includes: owner information, license plate number, Vehicle Identify Number, engine mumber, vehicle model,
Buy one or more in the time limit and buying expenses.
Step S20, according to described essential information and premium create-rule, insuring corresponding to vehicle to be insured described in generation
Scheme and corresponding premium；
Premium create-rule described in the present embodiment had both included the calculating rule of insurance premium corresponding to different insurance coverage
Then, also include the process rule corresponding to every discount that insurance company released, preferential business simultaneously.Meanwhile, the present embodiment
In, above-mentioned each rule is all based on designed by the essential information of vehicle to be insured, the folding that such as frequent customer is corresponding with new client
Button difference, Hao Che also differs with the insured items corresponding to home vehicle.
Various numerous and diverse discounts and preferential corresponding computation rule are the most sufficiently complex, especially for for new user more
It is to be difficult to choose oneself vehicle applicable and discount many assembled schemes of insuring big, preferential, therefore, base based on vehicle to be insured
The premium create-rule that this information and insurance company set, can directly generate one or more schemes of insuring, consequently facilitating
User is further selected.
Such as A insurance kind and the combination of B insurance kind can have first preferential, A insurance kind and D insurance kind combine can have second preferential, institute
Insurance kind combination is had to have the 3rd preferential etc..
Step S30, insures scheme and corresponding premium sends to described client and shows, for described client by described
The described scheme of insuring is adjusted and/or insures process by corresponding user.
In the present embodiment, specifically completed the generation of the scheme of insuring of vehicle to be insured by cloud service platform, and by generation
Scheme of insuring and corresponding premium transmission show to client, thus user can complete the adjustment of the scheme of insuring on the client
With amendment, or directly carry out process of insuring.
Such as, cloud service platform generates three kinds of schemes of insuring, user relatively after, optional the most suitably insure
Vehicle is insured by scheme, and confirms to carry out insuring so that declaration form comes into force.Or, the scheme of insuring can be adjusted by user accordingly
Whole, such as newly-increased or minimizing insured items, strengthens or reduces insured amount etc..
In the present embodiment, the vehicle essential information inputted from client according to user and the premium create-rule of setting,
Can directly obtain this insure scheme of insuring corresponding to vehicle and corresponding premium, thus avoid user's manual calculations loaded down with trivial details with
And the cost allowance caused owing to being unfamiliar with the dependency rule of premium.Additionally, obtaining insure accordingly scheme and premium
Meanwhile, this scheme of insuring can also be modified adjustment by user on the client, thus meets user's request to greatest extent,
Finally according to insuring scheme determined by user and premium can carry out process of insuring, so that scheme of insuring determined by user is raw
Effect.The present embodiment achieves the easy scheme of most preferably insuring quickly obtaining vehicle of user, and then avoids the loaded down with trivial details meter of every premium
Calculate.
It is the schematic flow sheet that vehicle premium of the present invention generates method the second embodiment with reference to Fig. 2, Fig. 2.Based on above-mentioned reality
Execute example, in the present embodiment, include before above-mentioned steps S10:
Step S01, sets up communication connection with described client, and sends default information input interface to described client
End, inputs described essential information for described client correspondence user according to default pattern of the input.
In the present embodiment, input the essential information of vehicle to be insured for ease of user, so that the input lattice of essential information
Formula standardization, therefore, when cloud service platform sets up communication connection with client, is sent to visitor by default information input interface
Family end, so that user directly can complete the input of vehicle essential information according to default pattern of the input, thus promotes man-machine
The friendly of interactive interface.
With reference to the refinement schematic flow sheet that Fig. 3, Fig. 3 are step S20 first embodiment in Fig. 1.Based on said method first
Embodiment, in the present embodiment, above-mentioned steps S20 includes:
Step S201, according to described owner information and/or described license plate number and/or described Vehicle Identify Number and/or described in start
Machine is numbered, determine described in vehicle to be insured be whether continuation of insurance vehicle；
Step S202, if continuation of insurance vehicle, then original scheme of insuring of vehicle to be insured described in employing, and according to setting
Continuation of insurance vehicle discount, revises with vehicle to be insured described in generation currently corresponding accordingly to described original scheme of insuring
Scheme of insuring and corresponding premium.
Generally, vehicle is all the necessity for insuring, and therefore, the vehicle largely insured is all frequent customer, namely
Need vehicle is continued insurance.
In the present embodiment, determine with specific reference to the essential information of vehicle, such as owner information, license plate number etc. and currently wait to insure
Whether vehicle is continuation of insurance vehicle, if continuation of insurance vehicle, then continues to use original scheme of insuring of this vehicle to continue insurance, meanwhile,
Further according to the discount of the current continuation of insurance vehicle set, original scheme of insuring is revised accordingly, such as some danger
Kind having preferential, total premium amount of money has preferential etc., thus generates scheme of insuring corresponding after this vehicle of insuring currently is revised
And correspondence premium.
The present embodiment is specific to continuation of insurance vehicle and carries out the generation process of scheme of insuring, thus selects the most economical for user
Scheme of insuring.
It is the refinement schematic flow sheet of step S20 the second embodiment in Fig. 1 with reference to Fig. 4, Fig. 4.Based on said method first
Embodiment, in the present embodiment, above-mentioned steps S20 includes:
Step S203, according to described owner information and/or described license plate number and/or described Vehicle Identify Number and/or described in start
Machine is numbered, determine described in vehicle to be insured be whether continuation of insurance vehicle and whether there is the record that is in danger；
Step S204, the record if continuation of insurance vehicle and existence are in danger, then original policy-holder of vehicle to be insured described in employing
Case, and adjust ratio, to described original throwing according to the continuation of insurance vehicle discount set and the premium corresponding to record of being in danger
Guarantor's scheme revises the insure scheme currently corresponding with vehicle to be insured described in generation and corresponding premium accordingly.
In the present embodiment, consider based on insurance company's angle, need being in danger according to continuation of insurance vehicle upper one year or upper several years
Record determines that the premium of continuation of insurance vehicle adjusts ratio.Such as, continuation of insurance vehicle is not in danger for continuous 3 years, can reduce premium, and
If upper one year exists the record that is in danger, then need to heighten the premium ratio in current year.
In the present embodiment, determine with specific reference to the essential information of vehicle, such as owner information, license plate number etc. and currently wait to insure
Whether vehicle is continuation of insurance vehicle, if continuation of insurance vehicle, then continues to use original scheme of insuring of this vehicle to continue insurance, meanwhile,
Ratio is adjusted further according to the current discount of the continuation of insurance vehicle set and the premium corresponding to record of being in danger of vehicle,
Revising original scheme of insuring accordingly, such as some insurance kind has preferential, and total premium amount of money has preferential, is in danger and once adjusts
High 3% etc., thus generate scheme of insuring corresponding after this vehicle of insuring currently is revised and corresponding premium.
The present embodiment be specific to continue insurance record that is in danger of vehicle carries out the generation of scheme of insuring and processes, thus for user
While selecting the most economical scheme of insuring, by premium adjust the measure of ratio with indirectly reduce insurance company go out to become by inches
This.
Further alternative, generate in an embodiment in vehicle premium of the present invention, above-mentioned steps S20 farther includes: root
According to described vehicle model and/or the described purchase time limit and/or described buying expenses, throwing corresponding to vehicle to be insured described in adjustment
Guarantor's project and corresponding expense, and the currently corresponding scheme of insuring of vehicle to be insured described in generating and corresponding premium.
In view of vehicle reduces the value of vehicle along with the increase of service life, therefore, in the present embodiment, can be automatically according to
Vehicle model and/or the information such as the time limit and/or buying expenses of purchase, adjust the insured items corresponding to vehicle to be insured and correspondence
Expense.Such as, vehicle has used more than 8 years, then advise not buying theft insurance, risk of spontaneous combustion etc..And if vehicle overbalances hundred
Ten thousand, then theft insurance, risk of spontaneous combustion etc. are bought in suggestion.
In the present embodiment, it is possible to the finest customization is suitable for the scheme of insuring of different vehicle, and then reduces user's process
Operation, reduces loaded down with trivial details calculating, improves user's experience.
It is the high-level schematic functional block diagram that vehicle premium of the present invention generates system one embodiment with reference to Fig. 5, Fig. 5.The present embodiment
In, vehicle premium generates system and includes: client 10 and cloud service platform 20；
Wherein, client 10 for and cloud service platform 20 set up communication connection, and receive cloud service platform 20 and sent
The information input interface preset, for client 10, corresponding user inputs the basic of vehicle to be insured according to default pattern of the input
Information；Cloud service platform 20 is then for obtaining the essential information of the vehicle to be insured that client 10 sends, according to described basic letter
Cease and premium create-rule, the scheme of insuring corresponding to vehicle to be insured and corresponding premium described in generation, and by described policy-holder
Case and corresponding premium send to client 10, and client 10 then receives and insure described in showing scheme and corresponding premium, for institute
State the corresponding user of client 10 the described scheme of insuring to be adjusted and/or insures process.
In the present embodiment, client 10 both can be mobile terminal, such as mobile phone, panel computer etc., it is also possible to is PC electricity
Brain.Additionally, optional, described essential information at least includes: owner information, license plate number, Vehicle Identify Number, engine mumber, vehicle type
Number, buy in the time limit and buying expenses one or more.
Premium create-rule described in the present embodiment had both included the calculating rule of insurance premium corresponding to different insurance coverage
Then, also include the process rule corresponding to every discount that insurance company released, preferential business simultaneously.Meanwhile, the present embodiment
In, above-mentioned each rule is all based on designed by the essential information of vehicle to be insured, the folding that such as frequent customer is corresponding with new client
Button difference, Hao Che also differs with the insured items corresponding to home vehicle.
Various numerous and diverse discounts and preferential corresponding computation rule are the most sufficiently complex, especially for for new user more
It is to be difficult to choose oneself vehicle applicable and discount many assembled schemes of insuring big, preferential, therefore, base based on vehicle to be insured
The premium create-rule that this information and insurance company set, can directly generate one or more schemes of insuring, consequently facilitating
User is further selected.
Such as A insurance kind and the combination of B insurance kind can have first preferential, A insurance kind and D insurance kind combine can have second preferential, institute
Insurance kind combination is had to have the 3rd preferential etc..
In the present embodiment, specifically completed the generation of the scheme of insuring of vehicle to be insured by cloud service platform 20, and will generate
Scheme of insuring and corresponding premium send to client and show, thus user can complete the tune of the scheme of insuring on the client
Whole with amendment, or directly carry out process of insuring.
Such as, cloud service platform 20 generates three kinds of schemes of insuring, user relatively after, optional the most suitably throw
Vehicle is insured by guarantor's scheme, and confirms to carry out insuring so that declaration form comes into force.Or, the scheme of insuring can be carried out accordingly by user
Adjust, such as newly-increased or minimizing insured items, strengthen or reduce insured amount etc..
In the present embodiment, the vehicle essential information inputted from client 10 according to user and the premium of setting generate rule
Then, this insure scheme of insuring corresponding to vehicle and corresponding premium can be directly obtained, thus avoid the numerous of user's manual calculations
Cost allowance that is trivial and that cause owing to being unfamiliar with the dependency rule of premium.Additionally, obtaining insure accordingly scheme and guarantor
While taking, this scheme of insuring can also be modified adjustment by user on the client, thus meets user to greatest extent
Demand, finally according to insuring scheme determined by user and premium can carry out process of insuring, so that insuring determined by user
Scheme comes into force.The present embodiment achieves the easy scheme of most preferably insuring quickly obtaining vehicle of user, and then avoids every premium
Troublesome calculation.
Further alternative, in vehicle premium of the present invention generates system one embodiment, described cloud service platform 20 is also used
In:
According to described owner information and/or described license plate number and/or described Vehicle Identify Number and/or described engine mumber, really
Whether vehicle to be insured described in Ding is continuation of insurance vehicle；If continuation of insurance vehicle, then original policy-holder of vehicle to be insured described in employing
Case, and according to the continuation of insurance vehicle discount set, described original scheme of insuring is revised accordingly and waits to throw described in generating
Protect the currently corresponding scheme of insuring of vehicle and corresponding premium.
Generally, vehicle is all the necessity for insuring, and therefore, the vehicle largely insured is all frequent customer, namely
Need vehicle is continued insurance.In the present embodiment, true with specific reference to the essential information of vehicle, such as owner information, license plate number etc.
Before settled, whether vehicle to be insured is continuation of insurance vehicle, if continuation of insurance vehicle, then continues to use original scheme of insuring of this vehicle to enter
Row continuation of insurance, further according to the discount of the current continuation of insurance vehicle set, repaiies original scheme of insuring accordingly meanwhile
Changing, such as some insurance kind has preferential, and total premium amount of money has preferential etc., thus it is right to generate institute after this vehicle of insuring currently is revised
The scheme of insuring answered and corresponding premium.
The present embodiment is specific to continuation of insurance vehicle and carries out the generation process of scheme of insuring, thus selects the most economical for user
Scheme of insuring.
Further alternative, in vehicle premium of the present invention generates system one embodiment, described cloud service platform 20 is also used
In: according to described vehicle model and/or the described purchase time limit and/or described buying expenses, described in adjustment, vehicle to be insured institute is right
The insured items answered and corresponding expense, and the currently corresponding scheme of insuring of vehicle to be insured described in generating and corresponding premium.
In view of vehicle reduces the value of vehicle along with the increase of service life, therefore, in the present embodiment, can be automatically according to
Vehicle model and/or the information such as the time limit and/or buying expenses of purchase, adjust the insured items corresponding to vehicle to be insured and correspondence
Expense.Such as, vehicle has used more than 8 years, then advise not buying theft insurance, risk of spontaneous combustion etc..And if vehicle overbalances hundred
Ten thousand, then theft insurance, risk of spontaneous combustion etc. are bought in suggestion.
In the present embodiment, it is possible to the finest customization is suitable for the scheme of insuring of different vehicle, and then reduces user's process
Operation, reduces loaded down with trivial details calculating, improves user's experience.
These are only the preferred embodiments of the present invention, not thereby limit the scope of the claims of the present invention, every utilize this
Equivalent structure or equivalence flow process that bright description and accompanying drawing content are made convert, or are directly or indirectly used in other relevant skills
Art field, is the most in like manner included in the scope of patent protection of the present invention.
Claims (10)
1. a vehicle premium generates method, it is characterised in that described vehicle premium generates method and includes:
Obtain the essential information of the vehicle to be insured that client sends；
According to described essential information and premium create-rule, scheme of insuring corresponding to vehicle to be insured described in generation and corresponding protect
Take；
Scheme is insured and corresponding premium sends to described client and shows, for described client correspondence user to institute by described
State the scheme of insuring be adjusted and/or carry out process of insuring.
2. vehicle premium as claimed in claim 1 generates method, it is characterised in that described essential information at least includes: car owner
One or more in information, license plate number, Vehicle Identify Number, engine mumber, vehicle model, the purchase time limit and buying expenses.
3. vehicle premium as claimed in claim 1 generates method, it is characterised in that what described acquisition client sent waits to insure
Include before the essential information of vehicle:
Set up communication connection with described client, and default information input interface is sent to described client, for described
Client correspondence user inputs described essential information according to default pattern of the input.
4. vehicle premium as according to any one of claim 1-3 generates method, it is characterised in that described according to described substantially
Information and premium create-rule, scheme of insuring and corresponding premium corresponding to vehicle to be insured include described in generation:
According to described owner information and/or described license plate number and/or described Vehicle Identify Number and/or described engine mumber, determine institute
State whether vehicle to be insured is continuation of insurance vehicle；
If continuation of insurance vehicle, then original scheme of insuring of vehicle to be insured described in employing, and according to the continuation of insurance vehicle discount set
Preferential, described original scheme of insuring is revised accordingly the insure scheme currently corresponding with vehicle to be insured described in generating and
Corresponding premium.
5. vehicle premium as according to any one of claim 1-3 generates method, it is characterised in that described according to described substantially
Information and premium create-rule, scheme of insuring and corresponding premium corresponding to vehicle to be insured include described in generation:
According to described owner information and/or described license plate number and/or described Vehicle Identify Number and/or described engine mumber, determine institute
State whether vehicle to be insured is continuation of insurance vehicle and whether there is the record that is in danger；
The record if continuation of insurance vehicle and existence are in danger, then original scheme of insuring of vehicle to be insured described in employing, and according to setting
Continuation of insurance vehicle discount and be in danger record corresponding to premium adjust ratio, described original scheme of insuring is carried out accordingly
Revise the insure scheme currently corresponding with vehicle to be insured described in generation and corresponding premium.
6. vehicle premium as according to any one of claim 1-3 generates method, it is characterised in that described according to described substantially
Information and premium create-rule, scheme of insuring and corresponding premium corresponding to vehicle to be insured include described in generation:
According to described vehicle model and/or the described purchase time limit and/or described buying expenses, described in adjustment, vehicle to be insured institute is right
The insured items answered and corresponding expense, and the currently corresponding scheme of insuring of vehicle to be insured described in generating and corresponding premium.
7. a vehicle premium generates system, it is characterised in that described vehicle premium generates system and includes: client and cloud service
Platform；
Described client, for setting up communication connection with described cloud service platform, and receives what described cloud service platform was sent
The information input interface preset, inputs the basic of vehicle to be insured for described client correspondence user according to default pattern of the input
Information；
Described cloud service platform, for obtaining the essential information of vehicle to be insured that described client sends, according to described substantially
Information and premium create-rule, the scheme of insuring corresponding to vehicle to be insured and corresponding premium described in generation, and insure described
Scheme and corresponding premium send to described client；
Described client is additionally operable to receive and insure described in display scheme and corresponding premium, for described client correspondence user couple
The described scheme of insuring is adjusted and/or carries out process of insuring.
8. vehicle premium as claimed in claim 7 generates system, it is characterised in that described essential information at least includes: car owner
One or more in information, license plate number, Vehicle Identify Number, engine mumber, vehicle model, the purchase time limit and buying expenses.
9. vehicle premium generates system as claimed in claim 7 or 8, it is characterised in that described cloud service platform is additionally operable to:
According to described owner information and/or described license plate number and/or described Vehicle Identify Number and/or described engine mumber, determine institute
State whether vehicle to be insured is continuation of insurance vehicle；
If continuation of insurance vehicle, then original scheme of insuring of vehicle to be insured described in employing, and according to the continuation of insurance vehicle discount set
Preferential, described original scheme of insuring is revised accordingly the insure scheme currently corresponding with vehicle to be insured described in generating and
Corresponding premium.
10. vehicle premium generates system as claimed in claim 7 or 8, it is characterised in that described cloud service platform is additionally operable to:
According to described vehicle model and/or the described purchase time limit and/or described buying expenses, described in adjustment, vehicle to be insured institute is right
The insured items answered and corresponding expense, and the currently corresponding scheme of insuring of vehicle to be insured described in generating and corresponding premium.
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| CN201610565580.8A CN106204286A (en) | 2016-07-18 | 2016-07-18 | Vehicle premium generates method and system |
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| CN201610565580.8A CN106204286A (en) | 2016-07-18 | 2016-07-18 | Vehicle premium generates method and system |
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| CN106651601A (en) * | 2016-12-22 | 2017-05-10 | 安徽保腾网络科技有限公司 | Vehicle insurance system |
| CN106934720A (en) * | 2017-01-24 | 2017-07-07 | 久隆财产保险有限公司 | Equipment insurance intelligent pricing method and system based on Internet of Things |
| CN107067327A (en) * | 2017-04-11 | 2017-08-18 | 武汉华创欣网科技有限公司 | A kind of car insurance charging method |
| CN107730215A (en) * | 2017-11-08 | 2018-02-23 | 泰康保险集团股份有限公司 | Settlement of insurance claim on-line processing method and system |
| CN107909485A (en) * | 2017-10-20 | 2018-04-13 | 平安科技（深圳）有限公司 | Benefit data generation method and device based on no Claims Resolution |
| CN108280768A (en) * | 2017-12-20 | 2018-07-13 | 平安科技（深圳）有限公司 | Electronic device, declaration form merchandiser expense statistical method and storage medium |
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| CN109035035A (en) * | 2018-06-12 | 2018-12-18 | 中国平安人寿保险股份有限公司 | The processing method and server of a kind of excellent dangerous declaration form of tax |
| CN109670967A (en) * | 2018-09-26 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Insurance business processing method, device, terminal device and storage medium |
| CN109858993A (en) * | 2018-12-13 | 2019-06-07 | 中国平安财产保险股份有限公司 | A kind of car insurance order generation method, server and system |
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| CN110428279A (en) * | 2019-07-05 | 2019-11-08 | 深圳壹账通智能科技有限公司 | Vehicle insurance recommended method, device, equipment and computer readable storage medium |
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| CN106934720A (en) * | 2017-01-24 | 2017-07-07 | 久隆财产保险有限公司 | Equipment insurance intelligent pricing method and system based on Internet of Things |
| CN107067327A (en) * | 2017-04-11 | 2017-08-18 | 武汉华创欣网科技有限公司 | A kind of car insurance charging method |
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| CN107909485A (en) * | 2017-10-20 | 2018-04-13 | 平安科技（深圳）有限公司 | Benefit data generation method and device based on no Claims Resolution |
| CN107909485B (en) * | 2017-10-20 | 2020-02-14 | 平安科技（深圳）有限公司 | Method and device for generating discount data based on no claim and computer readable medium |
| CN107730215A (en) * | 2017-11-08 | 2018-02-23 | 泰康保险集团股份有限公司 | Settlement of insurance claim on-line processing method and system |
| CN108280768A (en) * | 2017-12-20 | 2018-07-13 | 平安科技（深圳）有限公司 | Electronic device, declaration form merchandiser expense statistical method and storage medium |
| CN110163759A (en) * | 2018-02-12 | 2019-08-23 | 北京直通万连科技有限公司 | A kind of vehicle insurance scheme generation method |
| CN108428197A (en) * | 2018-04-12 | 2018-08-21 | 北京百秀京林园林绿地养护有限公司 | A kind of gardens management-control method and system |
| CN109035035A (en) * | 2018-06-12 | 2018-12-18 | 中国平安人寿保险股份有限公司 | The processing method and server of a kind of excellent dangerous declaration form of tax |
| WO2020010713A1 (en) * | 2018-07-13 | 2020-01-16 | 平安科技（深圳）有限公司 | Electronic device, user automobile insurance discount determination method and storage medium |
| CN109003192A (en) * | 2018-07-27 | 2018-12-14 | 深圳市元征科技股份有限公司 | A kind of insurance underwriting method and relevant device based on block chain |
| CN109670967A (en) * | 2018-09-26 | 2019-04-23 | 深圳壹账通智能科技有限公司 | Insurance business processing method, device, terminal device and storage medium |
| CN109858993A (en) * | 2018-12-13 | 2019-06-07 | 中国平安财产保险股份有限公司 | A kind of car insurance order generation method, server and system |
| CN109903170A (en) * | 2019-01-25 | 2019-06-18 | 成都安的光电科技有限公司 | Car insurance charging method and device |
| CN110428279A (en) * | 2019-07-05 | 2019-11-08 | 深圳壹账通智能科技有限公司 | Vehicle insurance recommended method, device, equipment and computer readable storage medium |
| CN111028090A (en) * | 2019-11-29 | 2020-04-17 | 泰康保险集团股份有限公司 | Application data processing method and device, electronic equipment and storage medium |
| CN113807888A (en) * | 2021-09-02 | 2021-12-17 | 支付宝(杭州)信息技术有限公司 | Marketing processing method and device |
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