CN111062701A - Insurance management method and related device - Google Patents
Insurance management method and related device Download PDFInfo
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Abstract
The embodiment of the application discloses a method and a related device for insurance management, wherein the method comprises the following steps: receiving point burying information from the vehicle machine, and if determining that the vehicle owner user does not purchase the insurance according to the point burying information, sending a contract text of the insurance to the vehicle machine; if the vehicle-mounted machine confirms that the owner user purchases the insurance according to the contract text, receiving a purchase confirmation instruction sent by the vehicle-mounted machine, and sending the password-free payment inquiry information to the vehicle-mounted machine; receiving the password-free payment feedback information sent by the vehicle machine; if the owner user confirms the password-free payment according to the password-free payment feedback information, deducting the insurance cost of the owner user and sending the insurance order information to a third-party server; and receiving the insurance underwriting information of the insurance sent by the third-party server, and sending the insurance underwriting information to the vehicle machine. By the adoption of the method and the system, the cloud service and the third-party server which are associated with the vehicle machine are utilized, and the underwriting process is intelligently completed.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method and a related apparatus for insurance management.
Background
With the development of computer technology, the life of people is more convenient and faster due to the interconnected and intercommunicated network. The vehicle networking system realizes the collection, storage and transmission of all working conditions and static and dynamic information of the vehicle by installing the vehicle-mounted terminal equipment on a vehicle instrument desk. The car networking system generally has a real-time live-action function, and human-car interaction is realized by utilizing a mobile network. When a user drives a vehicle, particularly when the user drives on a special road section, if personal insurance can be purchased in real time, a plurality of travel guarantees can be provided. But now purchasing personal insurance requires going to a special business organization for business handling or logging on some online platforms. However, the vehicle user cannot use these methods conveniently in the driving process to complete the purchase of personal insurance.
Disclosure of Invention
The embodiment of the application provides an insurance management method and a related device.
In a first aspect, a method for insurance management is applied to a cloud server, and the method includes:
receiving embedded point information from a vehicle machine, wherein the embedded point information comprises any one or more of the following: the vehicle information processing method comprises the steps that vehicle ID, insurance purchase identification and position information of a vehicle are sent when the vehicle machine detects that the distance between the vehicle and a high-speed entrance is smaller than or equal to a preset distance threshold value;
if it is determined that the owner user of the vehicle does not purchase the insurance according to the buried point information, sending a contract text of the insurance to the vehicle machine;
receiving a confirmation purchase instruction sent by the vehicle-mounted device, and sending a password-free payment inquiry message to the vehicle-mounted device, wherein the confirmation purchase instruction is sent when the vehicle-mounted device confirms that the owner user purchases the insurance according to the contract text;
receiving the password-free payment feedback information sent by the vehicle machine;
if the owner user confirms the password-free payment according to the password-free payment feedback information, deducting the insurance cost of the owner user, and sending the insurance order information to a third-party server;
and receiving the insurance underwriting information of the insurance sent by a third-party server, and sending the insurance underwriting information to the car machine.
In a second aspect, a cloud server is characterized in that the cloud server includes:
the communication unit is used for receiving the embedded point information from the vehicle machine, and the embedded point information comprises any one or more of the following: the vehicle information processing method comprises the steps that vehicle ID, insurance purchase identification and position information of a vehicle are sent when the vehicle machine detects that the distance between the vehicle and a high-speed entrance is smaller than or equal to a preset distance threshold value;
the processing unit is used for sending a contract text of the insurance to the vehicle machine if the owner user of the vehicle does not purchase the insurance according to the embedded point information;
the communication unit is further configured to receive a confirmation purchase instruction sent by the vehicle-mounted device, and send a secret payment exemption inquiry message to the vehicle-mounted device, where the confirmation purchase instruction is sent by the vehicle-mounted device when confirming that the vehicle owner user purchases the insurance according to the contract text;
the communication unit is also used for receiving the password-free payment feedback information sent by the vehicle machine;
the processing unit is further used for deducting the insurance cost of the vehicle owner user and sending the order information of the insurance to a third-party server if the vehicle owner user confirms the password-free payment according to the password-free payment feedback information;
the communication unit is further used for receiving insurance underwriting information of the insurance sent by a third-party server and sending the insurance underwriting information to the vehicle machine. In a third aspect, an embodiment of the present application provides a server, including a processor, a memory, a communication interface, and one or more programs, where the one or more programs are stored in the memory and configured to be executed by the processor, and the program includes instructions for executing the steps in the first aspect of the embodiment of the present application.
In a third aspect, an embodiment of the present application provides an electronic device, which includes a processor, and a memory, where the memory is configured to store one or more programs and is configured to be executed by the processor, and the program includes instructions for executing steps in the method according to the first aspect.
In a fourth aspect, an embodiment of the present application provides a chip, where the chip includes a processor and a data interface, where the processor reads instructions stored on a memory through the data interface, and performs a method according to the first aspect to the third aspect and any optional implementation manner described above.
In a fifth aspect, the present application provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for electronic data exchange, where the computer program makes a computer perform some or all of the steps described in the first aspect of the present application.
In a sixth aspect, embodiments of the present application provide a computer program product, where the computer program product includes a non-transitory computer-readable storage medium storing a computer program, where the computer program is operable to cause a computer to perform some or all of the steps as described in the first aspect of embodiments of the present application. The computer program product may be a software installation package.
The embodiment of the application provides an insurance management method, when the distance between a vehicle and an expressway entrance is smaller than a preset threshold value, a cloud server in communication connection with a vehicle machine and a third-party server is used for providing an intelligent insurance purchasing mode for a vehicle owner user, and the vehicle owner user can complete insurance purchasing without manual operation in the driving process. The insurance purchase is more convenient and faster to realize. Meanwhile, the cloud server audits the password-free payment feedback information, and the cloud server deducts insurance cost under the condition that the audit is passed, so that the safety of the payment process is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of an insurance management system according to an embodiment of the present application;
FIG. 2 is a schematic flow chart diagram illustrating a method for insurance management according to an embodiment of the present application;
FIG. 3 is a schematic flow chart illustrating another method for insurance management according to an embodiment of the present application;
fig. 4 is a schematic diagram of functional units of a cloud server provided in an embodiment of the present application;
fig. 5 is a schematic structural diagram of an electronic device provided in an embodiment of the present application;
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The terms "first," "second," and the like in the description and claims of the present application and in the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
At present, personal insurance needs to be purchased by a special business mechanism for business handling, or some online platforms are logged in, and the purchasing process is complex and needs manual operation. However, in the driving process, in order to ensure the safety of the driving process, the manual operation is reduced, so that the modes cannot be conveniently used to complete the purchase of personal insurance.
In order to solve the above problem, an embodiment of the present application provides an insurance management method, which is applied to a cloud server. The following detailed description is made with reference to the accompanying drawings.
First, please refer to the schematic structural diagram of the insurance management system 100 shown in fig. 1, which includes the car machine 110, the cloud server 400, and the third-party server 130.
The cloud server and the third-party server may include, for example, a distributed storage server, a legacy server, a large storage system, a desktop computer, a notebook computer, a tablet computer, a palm computer, a smart phone, a portable digital player, a smart watch, a smart bracelet, and the like. The vehicle machine is a vehicle-mounted information entertainment product installed in an automobile, and can realize information communication between people and the automobile and between the automobile and the outside (automobile and automobile, automobile and cloud server) functionally.
The technical solution of the embodiment of the present application may be implemented based on the insurance management system with the architecture illustrated in fig. 1 by way of example or a variant architecture thereof.
Referring to fig. 2, fig. 2 is a schematic flow chart of a method for insurance management provided by an embodiment of the present application, where the method may include, but is not limited to, the following steps:
201. receiving embedded point information from a vehicle machine, wherein the embedded point information comprises any one or more of the following: the vehicle information processing method comprises the steps that vehicle ID, insurance purchase identification and position information of a vehicle are sent when the vehicle machine detects that the distance between the vehicle and a high-speed entrance is smaller than or equal to a preset distance threshold value;
specifically, it may be understood that when the car machine detects that the distance from the vehicle to the high-speed entrance is less than or equal to a preset distance threshold, for example, the preset distance threshold is equal to 10km, the car machine sends the embedded point information of the vehicle to the cloud server. The embedded point is a set of preset specifications, such as whether to purchase insurance and the like, by encoding an event (event ID) by a rear end; the embedded point information may include position information of the vehicle, a vehicle ID, an insurance purchase identifier, status information, event information, and the like, which are stored in advance in the vehicle machine. For example, in the insurance management system, a plurality of vehicles are included, corresponding to a plurality of vehicle machines, and each vehicle machine includes the embedded point information.
202. If it is determined that the owner user of the vehicle does not purchase the insurance according to the buried point information, sending a contract text of the insurance to the vehicle machine;
specifically, it can be understood that if the buried point information includes a vehicle ID and an insurance purchase identifier, the vehicle ID may obtain an insurance purchase record of an owner user corresponding to the vehicle ID, and if the record is empty, it indicates that the owner user does not purchase any insurance; or acquiring an owner user corresponding to the vehicle ID by the vehicle ID, determining an insurance ID corresponding to the insurance purchase identification by the insurance purchase identification, acquiring an insurance record purchased by the owner user by the insurance ID, and if the record is empty, indicating that the owner user does not purchase any insurance; or if the point burying information contains an insurance purchase identifier, acquiring the vehicle information, determining a corresponding vehicle owner user according to the vehicle information, further acquiring a purchase insurance record of the vehicle owner user, and if the record is empty, indicating that the vehicle owner user does not purchase any insurance. The insurance purchase record of the owner user corresponding to the vehicle machine associated with the cloud server can be pre-stored in the cloud server or other memories externally connected with the cloud server. The insurance may be personal accident insurance or other types of insurance.
203. Receiving a confirmation purchase instruction sent by the vehicle-mounted device, and sending a password-free payment inquiry message to the vehicle-mounted device, wherein the confirmation purchase instruction is sent when the vehicle-mounted device confirms that the owner user purchases the insurance according to the contract text;
specifically, after the car owner obtains the contract text, the car owner user is queried whether to purchase the insurance corresponding to the contract text according to a preset mode. And after the vehicle machine acquires the confirmed purchase instruction of the vehicle owner user, sending the confirmed purchase instruction to the cloud server. The purchase confirmation instruction can be a file in an audio format of a vehicle owner user, the cloud server verifies the purchase confirmation instruction after receiving the purchase confirmation instruction, if the verification is passed, the vehicle owner user is determined to confirm to purchase the insurance, and secret payment free inquiry information is sent to the vehicle machine. The password-free payment inquiry information can be in a text format, a picture format, an audio or video format and the like.
204. Receiving the password-free payment feedback information sent by the vehicle machine;
specifically, the car machine may inquire whether the car machine user performs the password-free payment according to the password-free payment inquiry information when receiving the password-free payment inquiry information, and send a feedback result of a car owner user to the cloud server as the password-free payment feedback information, where the cloud server receives the password-free payment feedback information sent by the car machine.
205. If the owner user confirms the password-free payment according to the password-free payment feedback information, deducting the insurance cost of the owner user, and sending the insurance order information to a third-party server;
specifically, it can be understood that after the cloud server receives the password-free payment feedback information, the password-free payment feedback information is verified, and if the password-free payment feedback information passes the verification, the cloud server deducts a fee corresponding to the insurance, sends specific payment information to the car machine, and sends order information of the insurance to a third-party server. The third party server may be understood as a server associated with the insurance company, such as a server for managing an insurance order in the background of the insurance company, or an outsourcing server authorized by the insurance company. The order information includes insurance category information, personal information of the owner user, insurance cost information, insurance acceptance time information and the like.
206. And receiving the insurance underwriting information of the insurance sent by the third-party server, and sending the insurance underwriting information to the vehicle machine.
Specifically, it may be understood that, after receiving the order information of the insurance sent by the cloud server, the third-party server confirms the order information, that is, performs an insurance acceptance operation on the insurance, generates insurance acceptance information, and sends the insurance acceptance information of the insurance to the cloud server. And after receiving the insurance underwriting information of the insurance, the cloud server sends the insurance underwriting information to the car machine.
It can be seen that, by providing the insurance management method, when the distance from the vehicle to the highway entrance is smaller than the preset threshold value, the cloud server in communication connection with the vehicle machine and the third-party server is used to provide an intelligent insurance purchasing mode for the vehicle owner user, so that the vehicle owner can complete insurance purchasing without manual operation in the driving process. The insurance purchase is more convenient and faster to realize. Meanwhile, the cloud server audits the password-free payment feedback information, and the cloud server deducts insurance cost under the condition that the audit is passed, so that the safety of the payment process is improved.
In one possible example, the confirmation purchase instruction is sent by the car owner user when confirming that the insurance is purchased according to the contract text, and includes: the vehicle machine converts the insurance contract text from text to voice TTS to obtain an insurance contract audio file; the car machine broadcasts the insurance contract audio file by voice; and when the purchase confirmation instruction of the owner user is detected, the vehicle machine sends the purchase confirmation instruction to the cloud server.
Specifically, it can be understood that, since the insurance contract text sent by the cloud server to the car machine is in a text format, it is inconvenient for a car owner user to view the insurance contract text during driving. Therefore, after the vehicle machine receives the insurance contract text, the vehicle machine carries out text-to-speech TTS conversion on the insurance contract text to obtain an insurance contract audio file. Text-To-Speech (TTS) conversion, intelligently converting Text To natural Speech streams, is part of a human-machine conversation, allowing a machine To speak. If the insurance contract audio file contains an insurance contract summary and insurance contract detailed contents, the car machine can inquire whether the car owner user purchases the insurance or not by voice after broadcasting the insurance contract summary when the car machine broadcasts the insurance contract audio file by voice; or after the detailed content of the insurance contract is broadcasted, inquiring whether the owner user purchases the insurance by voice; or after the insurance contract outline and the insurance contract detailed content are broadcasted, inquiring whether the vehicle owner user purchases the insurance or not through voice. If a confirmed purchase instruction of the owner user is detected, sending the confirmed purchase instruction to the cloud server; the cloud server receives the confirmed purchase instruction.
And obviously, the vehicle machine carries out text-to-speech TTS conversion on the insurance contract text to obtain an insurance contract audio file, the insurance contract audio file is broadcasted in a voice mode, a confirmed purchase instruction of a vehicle main user is detected, and the confirmed purchase instruction is sent to a cloud server. The confirmation process of the purchase of the insurance can be completed without manual operation by the owner user. The intelligence and the functionality of the insurance management process are improved.
In one possible example, the confirming the owner user confirms the password-free payment according to the password-free payment feedback information includes: the cloud server identifies the voiceprint of the password for the password-free payment according to the password for the password-free payment contained in the feedback information for the password-free payment to obtain voiceprint characteristic information; the cloud server compares the voiceprint characteristic information with the prestored voiceprint information of the vehicle owner user; and if the matching degree value of the voiceprint characteristic information and the voiceprint information of the vehicle owner user is larger than a preset threshold value, matching the voiceprint characteristic information with the voiceprint information of the vehicle owner user.
Specifically, the password-free payment feedback information is an audio file acquired by the vehicle-mounted device, wherein the audio file indicates whether the vehicle owner user agrees to the password-free payment, and the audio file contains a password for the vehicle owner user. In order to improve the accuracy of identifying the password for the password-free payment, voices are collected in advance for owner users corresponding to a plurality of vehicles associated with the cloud server, a closed-set recognition voice library is established, and the interference of irrelevant personnel on voiceprint recognition is reduced by identifying the data outside the set. Meanwhile, if the voice of the target owner user is trained, the convolutional neural network is constructed, and then the voice of other owner users except the target owner user is used as a counterfeiter model for training, so that the recognition effect of the neural network is improved. For example, the car owner user a is taken as an example, the voice of car owner users other than the car owner user a is taken as reference training data, the voice of the car owner user a is taken as experimental data, and the recognition effect of the neural network on voiceprints corresponding to voices of different car owner users is enhanced. Therefore, after the voiceprint information of the vehicle owner user is acquired, the voiceprint information of the vehicle owner user is conveniently compared with the voiceprint information stored in advance, the influence of environmental interference primers and the body state of the vehicle owner user is considered, the coincidence degree of the voiceprint patterns corresponding to the front voiceprint information and the back voiceprint information reaches a preset threshold value, and the voiceprint characteristic information is considered to be matched with the voiceprint information of the vehicle owner user. The preset threshold value is 75% to 99.99%, for example.
And obviously, voiceprint recognition is carried out on the collected password-free payment password, the recognition result is matched with the prestored voiceprint information, and when the matching degree is higher than a preset threshold value, the voiceprint recognition passes the matching. The security degree of the secret payment is improved by presetting while the operation is simplified.
In one possible example, after the car machine sends the burial point information to the cloud server, the method further includes: if the vehicle owner user is determined to purchase the insurance according to the buried point information, acquiring a policy of the insurance; identifying a validity period of the insurance in the policy; if the validity period is lower than a preset time threshold, sending continuous guarantee inquiry information to the vehicle machine; and receiving renewal feedback information sent by the vehicle owner, and determining whether the vehicle owner user renews according to the renewal feedback information.
Specifically, it may be understood that if the vehicle owner user has purchased the insurance, the validity period of the insurance in the insurance policy is identified, and if the validity period (the validity period here is the remaining time of the insurance expiration) is 2 months and the preset time threshold is 3 months, and the remaining time of the validity period is lower than the preset time threshold, the cloud server sends renewal inquiry information to the vehicle owner, where the renewal inquiry information is used to obtain whether the vehicle owner user renews the insurance.
Therefore, after the owner user is confirmed to purchase the insurance according to the point burying information, the insurance is about to expire, the owner user is dealt with the renewal in time, and the functionality of the cloud server is improved.
In one possible example, if the buried point information further includes vehicle state information, the method further includes: the cloud server generates vehicle state evaluation feedback information according to the state information of the vehicle; sending the vehicle state evaluation feedback information to the vehicle machine; the vehicle-mounted machine carries out TTS conversion from text to voice on the vehicle state evaluation feedback information to obtain a vehicle state audio file; and the vehicle state audio file is broadcasted by the vehicle machine through voice.
Specifically, the state information may be a current state of the vehicle or a comprehensive state of the vehicle within a certain period of time, and the state information includes mileage of the vehicle, remaining oil amount, a wear level value of the tire, and the like. And generating vehicle state evaluation feedback information according to the state information of the vehicle, and performing voice broadcast after TTS conversion is performed through the vehicle machine.
Therefore, after the state information of the vehicle is obtained, the cloud server feeds back the state information to the vehicle owner user through the vehicle machine, the vehicle owner user can conveniently obtain the state of the vehicle in time, and the safety of the driving process is improved. Meanwhile, the functionality of the vehicle machine and the cloud server is also increased.
Referring to fig. 3, fig. 3 is a schematic flowchart of another insurance management method provided in the embodiment of the present application, applied to a cloud server, and including:
301. receiving embedded point information from a vehicle machine, wherein the embedded point information comprises any one or more of the following: the vehicle information processing method comprises the steps that vehicle ID, insurance purchase identification and position information of a vehicle are sent when the vehicle machine detects that the distance between the vehicle and a high-speed entrance is smaller than or equal to a preset distance threshold value;
302. if it is determined that the owner user of the vehicle does not purchase the insurance according to the buried point information, sending a contract text of the insurance to the vehicle machine;
303. receiving a confirmation purchase instruction sent by the vehicle-mounted device, and sending a password-free payment inquiry message to the vehicle-mounted device, wherein the confirmation purchase instruction is sent when the vehicle-mounted device confirms that the owner user purchases the insurance according to the contract text;
304. receiving the password-free payment feedback information sent by the vehicle machine;
305. if the owner user confirms the password-free payment according to the password-free payment feedback information, deducting the insurance cost of the owner user, and sending the insurance order information to a third-party server;
306. receiving insurance underwriting information of the insurance sent by the third-party server, and sending the insurance underwriting information to the vehicle machine;
the steps 301 and 306 are the same as the steps 201 and 206, and are not described herein again.
307. Storing the underwriting information and the vehicle owner user into a distributed storage system in an associated mode;
specifically, it can be understood that the distributed storage system is to store data on multiple independent devices in a distributed manner, and an expandable system structure is adopted, multiple storage servers are used to share storage load, and location servers are used to locate storage information, so that the reliability, availability and access efficiency of the system are improved, and the system is easy to expand. And the underwriting information of different owner users can be distinguished and obtained conveniently.
308. And setting a continuous guarantee inquiry time and a continuous guarantee inquiry period according to the guarantee time contained in the guarantee information, and sending the continuous guarantee inquiry information to the vehicle machine according to the continuous guarantee inquiry period after the continuous guarantee inquiry time is reached.
Specifically, it may be understood that, for example, the guarantee period is one year, the guarantee continuation inquiry time is set as 5-10 months from the insurance effective date, the guarantee continuation inquiry period is 1-3 times per month, for example, ten months, the guarantee continuation inquiry period is 1 time per month, and after the insurance time is ten months, the guarantee continuation inquiry information is sent to the car machine every month to confirm whether the car owner user continues to guarantee the insurance, and at the same time, other insurance text information may also be sent to the car machine. And after acquiring that the owner user renews or purchases other insurance of the same type, storing the renewal information or other insurance underwriting information of the same type, and stopping sending renewal inquiry information to the vehicle machine.
Therefore, by providing the insurance management method, when the distance from the vehicle to the highway entrance is smaller than the preset threshold value, the cloud server in communication connection with the vehicle machine and the third-party server is used for providing an intelligent insurance purchasing mode for the vehicle owner user, so that the vehicle owner can complete insurance purchasing without manual operation in the driving process. The insurance purchase is more convenient and faster to realize. Meanwhile, the cloud server audits the password-free payment feedback information, and the cloud server deducts insurance cost under the condition that the audit is passed, so that the safety of the payment process is improved. And the underwriting information and the information of the owner user are associated and stored in the distributed storage system, so that the safety of information storage is improved, and the information is convenient to acquire and look up. And the continuous guarantee inquiry time and the continuous guarantee inquiry period are set in advance according to the guarantee time contained in the guarantee information, and after the continuous guarantee inquiry time is reached, the continuous guarantee inquiry information is sent to the vehicle machine according to the continuous guarantee inquiry period, so that the efficiency and the intelligence of insurance management are improved.
Consistent with the embodiments shown in fig. 2 and fig. 3, please refer to fig. 4, and fig. 4 is a schematic structural diagram of a functional unit of a cloud server 400 according to an embodiment of the present application, where the cloud server 400 includes: a communication unit 410, a processing unit 420, wherein,
the communication unit 410 is configured to receive embedded point information from a vehicle machine, where the embedded point information includes any one or more of the following: the vehicle information processing method comprises the steps that vehicle ID, insurance purchase identification and position information of a vehicle are sent when the vehicle machine detects that the distance between the vehicle and a high-speed entrance is smaller than or equal to a preset distance threshold value;
the processing unit 420 is configured to send a contract text of the insurance to the vehicle machine if it is determined that the owner user of the vehicle does not purchase the insurance according to the burial point information;
the communication unit 410 is further configured to receive a confirmation purchase instruction sent by the vehicle-mounted device, and send a request message for payment without password to the vehicle-mounted device, where the confirmation purchase instruction is sent by the vehicle-mounted device when confirming that the vehicle owner user purchases the insurance according to the contract text;
the communication unit 410 is further configured to receive the password-free payment feedback information sent by the car machine;
the processing unit 420 is further configured to withhold the insurance cost of the vehicle owner user and send order information of the insurance to the third party server if it is determined that the vehicle owner user determines the password-free payment according to the password-free payment feedback information;
the communication unit 410 is further configured to receive insurance underwriting information of the insurance sent by a third-party server, and send the insurance underwriting information to the car machine.
It can be seen that, by providing the insurance management method, when the distance from the vehicle to the highway entrance is smaller than the preset threshold value, the cloud server in communication connection with the vehicle machine and the third-party server is used to provide an intelligent insurance purchasing mode for the vehicle owner user, so that the vehicle owner can complete insurance purchasing without manual operation in the driving process. The insurance purchase is more convenient and faster to realize. Meanwhile, the cloud server audits the password-free payment feedback information, and the cloud server deducts insurance cost under the condition that the audit is passed, so that the safety of the payment process is improved.
In a possible example, in an aspect that the confirmation purchase instruction is sent by the car owner user when confirming that the car owner user purchases the insurance according to the contract text, the processing unit is specifically configured to: the vehicle machine converts the insurance contract text from text to voice TTS to obtain an insurance contract audio file; the car machine broadcasts the insurance contract audio file by voice; and when the purchase confirmation instruction of the owner user is detected, the vehicle machine sends the purchase confirmation instruction to the cloud server.
In a possible example, in the aspect of confirming that the owner user confirms the password-free payment according to the password-free payment feedback information, the processing unit 420 is specifically configured to identify a voiceprint of the password-free payment according to a password-free payment included in the password-free payment feedback information by the cloud server, so as to obtain voiceprint feature information; the cloud server compares the voiceprint characteristic information with the prestored voiceprint information of the vehicle owner user; and if the matching degree value of the voiceprint characteristic information and the voiceprint information of the vehicle owner user is larger than a preset threshold value, matching the voiceprint characteristic information with the voiceprint information of the vehicle owner user.
In a possible example, after the vehicle-mounted device sends the burial point information to the cloud server, the processing unit 420 is further configured to obtain a policy of the insurance if it is determined that the vehicle owner user has purchased the insurance according to the burial point information; identifying a validity period of the insurance in the policy; if the validity period is lower than a preset time threshold, sending continuous guarantee inquiry information to the vehicle machine; and receiving renewal feedback information sent by the vehicle owner, and determining whether the vehicle owner user renews according to the renewal feedback information.
In a possible example, if the buried point information further includes vehicle state information, the processing unit 420 is further configured to generate vehicle state estimation feedback information according to the vehicle state information; sending the vehicle state evaluation feedback information to the vehicle machine; the vehicle-mounted machine carries out TTS conversion from text to voice on the vehicle state evaluation feedback information to obtain a vehicle state audio file; and the vehicle state audio file is broadcasted by the vehicle machine through voice.
Fig. 5 is a schematic structural diagram of an electronic device 500 according to an embodiment of the present application, and as shown in the figure, the electronic device 500 includes an application processor 510, a memory 520, a communication interface 530, and one or more programs 521, where the one or more programs 521 are stored in the memory 520 and configured to be executed by the application processor 510, and the one or more programs 521 include instructions for performing any step in the foregoing method embodiment:
receiving embedded point information from a vehicle machine, wherein the embedded point information comprises any one or more of the following: the vehicle information processing method comprises the steps that vehicle ID, insurance purchase identification and position information of a vehicle are sent when the vehicle machine detects that the distance between the vehicle and a high-speed entrance is smaller than or equal to a preset distance threshold value;
if it is determined that the owner user of the vehicle does not purchase the insurance according to the buried point information, sending a contract text of the insurance to the vehicle machine;
receiving a confirmation purchase instruction sent by the vehicle-mounted device, and sending a password-free payment inquiry message to the vehicle-mounted device, wherein the confirmation purchase instruction is sent when the vehicle-mounted device confirms that the owner user purchases the insurance according to the contract text;
receiving the password-free payment feedback information sent by the vehicle machine;
if the owner user confirms the password-free payment according to the password-free payment feedback information, deducting the insurance cost of the owner user, and sending the insurance order information to a third-party server;
and receiving the insurance underwriting information of the insurance sent by the third-party server, and sending the insurance underwriting information to the vehicle machine.
Therefore, by providing the insurance management method, when the distance from the vehicle to the highway entrance is smaller than the preset threshold value, the cloud server in communication connection with the vehicle machine and the third-party server is used for providing an intelligent insurance purchasing mode for the vehicle owner user, so that the vehicle owner can complete insurance purchasing without manual operation in the driving process. The insurance purchase is more convenient and faster to realize. Meanwhile, the cloud server audits the password-free payment feedback information, and the cloud server deducts insurance cost under the condition that the audit is passed, so that the safety of the payment process is improved.
In a possible example, the purchase confirmation instruction is sent by the car owner user when confirming that the insurance is purchased according to the contract text, and the instruction in the program 521 is specifically configured to perform the following operations: the vehicle machine converts the insurance contract text from text to voice TTS to obtain an insurance contract audio file; the car machine broadcasts the insurance contract audio file by voice; and when the purchase confirmation instruction of the owner user is detected, the vehicle machine sends the purchase confirmation instruction to the cloud server.
In a possible example, the step of confirming that the owner user confirms the password-free payment according to the password-free payment feedback information includes: the cloud server identifies the voiceprint of the password for the password-free payment according to the password for the password-free payment contained in the feedback information for the password-free payment to obtain voiceprint characteristic information; the cloud server compares the voiceprint characteristic information with the prestored voiceprint information of the vehicle owner user; and if the matching degree value of the voiceprint characteristic information and the voiceprint information of the vehicle owner user is larger than a preset threshold value, matching the voiceprint characteristic information with the voiceprint information of the vehicle owner user.
In a possible example, after the car machine sends the burial point information to the cloud server, the instructions in the program 521 are specifically configured to perform the following operations: if the vehicle owner user is determined to purchase the insurance according to the buried point information, acquiring a policy of the insurance; identifying a validity period of the insurance in the policy; if the validity period is lower than a preset time threshold, sending continuous guarantee inquiry information to the vehicle machine; and receiving renewal feedback information sent by the vehicle owner, and determining whether the vehicle owner user renews according to the renewal feedback information.
In one possible example, if the buried point information further includes vehicle status information, the instructions in the program 521 are specifically configured to: the cloud server generates vehicle state evaluation feedback information according to the state information of the vehicle; sending the vehicle state evaluation feedback information to the vehicle machine; the vehicle-mounted machine carries out TTS conversion from text to voice on the vehicle state evaluation feedback information to obtain a vehicle state audio file; and the vehicle state audio file is broadcasted by the vehicle machine through voice.
Processor 510 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so forth. The processor 510 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). Processor 510 may also include a main processor and a coprocessor, the main processor being a processor for processing data in the wake state, also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content that the display screen needs to display. In some embodiments, processor 510 may also include an AI (Artificial Intelligence) processor for processing computational operations related to machine learning.
Memory 520 may include one or more computer-readable storage media, which may be non-transitory. Memory 520 may also include high speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In this embodiment, the memory 520 is at least used for storing a computer program, wherein after being loaded and executed by the processor 510, the computer program can implement relevant steps in the call control method disclosed in any of the foregoing embodiments. In addition, the resources stored in the memory 520 may also include an operating system, data, and the like, and the storage manner may be a transient storage or a permanent storage. The operating system may include Windows, Unix, Linux, and the like. The data may include, but is not limited to, electronic device interaction data, electronic device signals, and the like.
In some embodiments, the electronic device 500 may further include an input-output interface, a communication interface, a power source, and a communication bus.
Those skilled in the art will appreciate that the disclosed configuration of the present embodiment is not intended to be limiting and may include more or fewer components.
The above description has introduced the solution of the embodiment of the present application mainly from the perspective of the method-side implementation process. It is understood that the electronic device comprises corresponding hardware structures and/or software modules for performing the respective functions in order to realize the above-mentioned functions. Those of skill in the art will readily appreciate that the present application is capable of hardware or a combination of hardware and computer software implementing the various illustrative elements and algorithm steps described in connection with the embodiments provided herein. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiment of the present application, the cloud server may be divided according to the above method example, for example, each functional unit may be divided corresponding to each function, or two or more functions may be integrated in one processing unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit. It should be noted that the division of the unit in the embodiment of the present application is schematic, and is only a logic function division, and there may be another division manner in actual implementation.
An embodiment of the present application provides a chip, where the chip includes a processor and a data interface, and the processor reads instructions stored on a memory through the data interface to perform a method according to the first aspect to the third aspect and any optional implementation manner described above.
Embodiments of the present application also provide a computer storage medium, where the computer storage medium stores a computer program for electronic data exchange, the computer program enabling a computer to execute part or all of the steps of any one of the methods as described in the above method embodiments, and the computer includes a first electronic device.
Embodiments of the present application also provide a computer program product comprising a non-transitory computer readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps of any of the methods as described in the above method embodiments. The computer program product may be a software installation package, the computer comprising the electronic device.
It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present application is not limited by the order of acts described, as some steps may occur in other orders or concurrently depending on the application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described terminal embodiments are merely illustrative, and for example, the division of the above-described units is only one logical function division, and other division manners may be available in actual implementation, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or may not be executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of some interfaces, devices or units, and may be an electric or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit may be stored in a computer readable memory if it is implemented in the form of a software functional unit and sold or used as a stand-alone product. Based on such understanding, the technical solution of the present application may be substantially implemented or a part of or all or part of the technical solution contributing to the prior art may be embodied in the form of a software product stored in a memory, and including several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the above-mentioned method of the embodiments of the present application. And the aforementioned memory comprises: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.
Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable memory, which may include: flash Memory disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.
While the present disclosure has been described with reference to particular embodiments, 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 present disclosure.
Claims (10)
1. An insurance management method applied to a cloud server, the method comprising:
receiving embedded point information from a vehicle machine, wherein the embedded point information comprises any one or more of the following: the vehicle information processing method comprises the steps that vehicle ID, insurance purchase identification and position information of a vehicle are sent when the vehicle machine detects that the distance between the vehicle and a high-speed entrance is smaller than or equal to a preset distance threshold value;
if it is determined that the owner user of the vehicle does not purchase the insurance according to the buried point information, sending a contract text of the insurance to the vehicle machine;
receiving a confirmation purchase instruction sent by the vehicle-mounted device, and sending a password-free payment inquiry message to the vehicle-mounted device, wherein the confirmation purchase instruction is sent when the vehicle-mounted device confirms that the owner user purchases the insurance according to the contract text;
receiving the password-free payment feedback information sent by the vehicle machine;
if the owner user confirms the password-free payment according to the password-free payment feedback information, deducting the insurance cost of the owner user, and sending the insurance order information to a third-party server;
and receiving the insurance underwriting information of the insurance sent by the third-party server, and sending the insurance underwriting information to the vehicle machine.
2. The method according to claim 1, wherein the confirmation purchase instruction is sent by the car owner user when confirming that the insurance is purchased according to the contract text, and comprises the following steps:
the vehicle machine converts the insurance contract text from text to voice TTS to obtain an insurance contract audio file;
the car machine broadcasts the insurance contract audio file by voice;
and when the purchase confirmation instruction of the owner user is detected, the vehicle machine sends the purchase confirmation instruction to the cloud server.
3. The method of claim 1, wherein the confirming the owner user confirms the password-free payment according to the password-free payment feedback information comprises:
the cloud server identifies the voiceprint of the password for the password-free payment according to the password for the password-free payment contained in the feedback information for the password-free payment to obtain voiceprint characteristic information;
the cloud server compares the voiceprint characteristic information with the prestored voiceprint information of the vehicle owner user;
and if the matching degree value of the voiceprint characteristic information and the voiceprint information of the vehicle owner user is larger than a preset threshold value, matching the voiceprint characteristic information with the voiceprint information of the vehicle owner user.
4. The method of claim 1, wherein after the car machine sends the burial point information to the cloud server, the method further comprises:
if the vehicle owner user is determined to purchase the insurance according to the buried point information, acquiring a policy of the insurance;
identifying a validity period of the insurance in the policy;
if the validity period is lower than a preset time threshold, sending continuous guarantee inquiry information to the vehicle machine;
and receiving renewal feedback information sent by the vehicle owner, and determining whether the vehicle owner user renews according to the renewal feedback information.
5. The method of claim 1, wherein if the buried point information further includes vehicle status information, the method further comprises:
the cloud server generates vehicle state evaluation feedback information according to the state information of the vehicle;
sending the vehicle state evaluation feedback information to the vehicle machine;
the vehicle-mounted machine carries out TTS conversion from text to voice on the vehicle state evaluation feedback information to obtain a vehicle state audio file;
and the vehicle state audio file is broadcasted by the vehicle machine through voice.
6. A cloud server, the cloud server comprising:
the communication unit is used for receiving the embedded point information from the vehicle machine, and the embedded point information comprises any one or more of the following: the vehicle information processing method comprises the steps that vehicle ID, insurance purchase identification and position information of a vehicle are sent when the vehicle machine detects that the distance between the vehicle and a high-speed entrance is smaller than or equal to a preset distance threshold value;
the processing unit is used for sending a contract text of the insurance to the vehicle machine if the owner user of the vehicle does not purchase the insurance according to the embedded point information;
the communication unit is further configured to receive a confirmation purchase instruction sent by the vehicle-mounted device, and send a secret payment exemption inquiry message to the vehicle-mounted device, where the confirmation purchase instruction is sent by the vehicle-mounted device when confirming that the vehicle owner user purchases the insurance according to the contract text;
the communication unit is also used for receiving the password-free payment feedback information sent by the vehicle machine;
the processing unit is further configured to withhold the insurance cost of the vehicle owner user and send order information of the insurance to the third-party server if the vehicle owner user confirms the password-free payment according to the password-free payment feedback information;
the communication unit is further used for receiving insurance underwriting information of the insurance sent by a third-party server and sending the insurance underwriting information to the vehicle machine.
7. The cloud server according to claim 6, wherein if the car owner user is confirmed to purchase the insurance according to the contract text by the car machine, receiving a confirmed purchase instruction sent from the car machine, wherein,
the vehicle machine converts the insurance contract text from text to voice TTS to obtain an insurance contract audio file;
the car machine broadcasts the insurance contract audio file by voice;
when a purchase confirmation instruction of the owner user is detected, the car machine sends the purchase confirmation instruction to the cloud server;
the communication unit is used for receiving the purchase confirmation instruction.
8. The cloud server according to claim 6, wherein the step of confirming the password-free payment of the owner user according to the password-free payment feedback information comprises the processing unit, specifically configured to:
identifying the voiceprint of the password for the password-free payment according to the password-free payment contained in the feedback information for the password-free payment to obtain voiceprint characteristic information;
comparing the voiceprint characteristic information with the prestored voiceprint information of the owner user;
and if the matching degree value of the voiceprint characteristic information and the voiceprint information of the vehicle owner user is larger than a preset threshold value, matching the voiceprint characteristic information with the voiceprint information of the vehicle owner user.
9. An electronic device comprising a processor, a memory, a communication interface, and one or more programs stored in the memory and configured to be executed by the processor, the programs comprising instructions for performing the steps in the method of any of claims 1-5.
10. A computer-readable storage medium, characterized in that a computer program for electronic data exchange is stored, wherein the computer program causes a computer to perform the method according to any one of claims 1-5.
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| CN201911311765.6A CN111062701A (en) | 2019-12-18 | 2019-12-18 | Insurance management method and related device |
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Address after: 201821 room 208, building 4, No. 1411, Yecheng Road, Jiading Industrial Zone, Jiading District, Shanghai Applicant after: Botai vehicle networking technology (Shanghai) Co.,Ltd. Address before: Room 208, building 4, 1411 Yecheng Road, Jiading Industrial Zone, Jiading District, Shanghai, 201800 Applicant before: SHANGHAI PATEO ELECTRONIC EQUIPMENT MANUFACTURING Co.,Ltd. |