CN106228431A - Vehicle insurance selling method and system - Google Patents

Vehicle insurance selling method and system Download PDF

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Publication number
CN106228431A
CN106228431A CN201610620913.2A CN201610620913A CN106228431A CN 106228431 A CN106228431 A CN 106228431A CN 201610620913 A CN201610620913 A CN 201610620913A CN 106228431 A CN106228431 A CN 106228431A
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CN
China
Prior art keywords
vehicle insurance
information
order
vehicles
terminal
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201610620913.2A
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Chinese (zh)
Inventor
张锐
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Longrise Technology Co Ltd
Original Assignee
Shenzhen Longrise Technology Co Ltd
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Filing date
Publication date
Application filed by Shenzhen Longrise Technology Co Ltd filed Critical Shenzhen Longrise Technology Co Ltd
Priority to CN201610620913.2A priority Critical patent/CN106228431A/en
Publication of CN106228431A publication Critical patent/CN106228431A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance

Abstract

The invention discloses a kind of vehicle insurance selling method, the method includes: when receiving the vehicle insurance purchase request that terminal sends, returns the vehicle insurance list being pre-configured with to described terminal, obtains the vehicle insurance kind chosen based on described vehicle insurance list;Obtain the information of vehicles of insuring that described terminal sends, insure information of vehicles and described vehicle insurance kind is calculated vehicle insurance expense according to described;According to described information of vehicles and the described vehicle insurance expense generation order of insuring, described order is returned described terminal;Detecting the pay status of described order, if detecting, the pay status of described order for pay, then generates declaration form according to described order.The invention also discloses a kind of vehicle insurance marketing system.Present invention achieves the online sales of vehicle insurance, add the Sales Channel of vehicle insurance so that it is more convenient that user buys vehicle insurance.

Description

Vehicle insurance selling method and system
Technical field
The present invention relates to Internet technical field, particularly relate to a kind of vehicle insurance selling method and system.
Background technology
Along with the raising of insurance awareness, increasing enterprise, family and individual, after buying motor vehicles, can be vehicle Insure, buy vehicle insurance, with the just rights and interests of victim in the event of service truck disaster.Traditional vehicle insurance sell mainly by business personnel and Car owner links up, and recommends all kinds of vehicle insurance to car owner.After car owner confirms vehicle insurance kind to be bought, then by business personnel, car owner is provided The input systems such as the every terms of information insuring required, paid-up vehicle insurance expense generate declaration form, complete the sale of vehicle insurance, Sales Channel Single, the cycle of consuming is longer, affects Consumer's Experience, is unfavorable for the development of enterprise.
Summary of the invention
Present invention is primarily targeted at a kind of vehicle insurance selling method of offer and system, it is intended to solve vehicle insurance Sales Channel list The technical problem of one.
For achieving the above object, the present invention provides a kind of vehicle insurance selling method, and described vehicle insurance selling method includes following step Rapid:
When receiving the vehicle insurance purchase request that terminal sends, return the vehicle insurance list being pre-configured with to described terminal, obtain base In the vehicle insurance kind that described vehicle insurance list is chosen;
Obtain the information of vehicles of insuring that described terminal sends, according to described insure information of vehicles and the calculating of described vehicle insurance kind Obtain vehicle insurance expense;
According to described information of vehicles and the described vehicle insurance expense generation order of insuring, described order is returned described terminal;
Detect the pay status of described order, if detect the pay status of described order for pay, then according to described Order generates declaration form.
Preferably, insure described in described basis information of vehicles and described vehicle insurance expense generation order, described order is returned After the step of described terminal, also include:
If receiving the payment request that described terminal sends based on described order, then pay request to terminal return according to described The corresponding payment page, pays for described terminal;
If described terminal completes the payment of described order, then update the pay status of described order for pay, and proceed to Perform step: generate declaration form according to described order.
Preferably, insure described in described basis information of vehicles and described vehicle insurance expense generation order, described order is returned After the step of described terminal, also include:
If receiving the pay status amendment instruction of described order, then instruct corresponding amendment institute according to the amendment of described pay status State the pay status of order.
Preferably, the information of vehicles of insuring that the described terminal of described acquisition sends, according to the described information of vehicles and described of insuring Vehicle insurance kind is calculated the step of vehicle insurance expense and includes:
Receive certificate picture and the certificate classification of correspondence that described terminal sends, demonstrate,prove based on described in described certificate classification extraction Information in part picture, obtain described in insure information of vehicles;
Information of vehicles is insured and described vehicle insurance kind is calculated vehicle insurance expense according to described.
Preferably, the certificate picture of described reception described terminal transmission and the certificate classification of correspondence, based on described certificate class Take the information in described certificate picture indescribably, obtain described in insure information of vehicles step after, also include:
Described information of vehicles of insuring is returned described terminal;
If receiving amendment based on described information of vehicles of insuring request, then information of vehicles of insuring described in corresponding amendment;
If receiving the confirmation message that described terminal sends based on described information of vehicles of insuring, then proceed to perform step: according to Described insure information of vehicles and described vehicle insurance kind is calculated vehicle insurance expense.
Additionally, for achieving the above object, a kind of vehicle insurance marketing system of the present invention, described vehicle insurance marketing system includes:
List block, when the vehicle insurance sent for receiving terminal buys request, returns the car being pre-configured with to described terminal Danger list, obtains the vehicle insurance kind chosen based on described vehicle insurance list;
Accounting module, for obtaining the information of vehicles of insuring that described terminal sends, according to described information of vehicles and the institute of insuring State vehicle insurance kind and be calculated vehicle insurance expense;
Order module, for information of vehicles and the described vehicle insurance expense generation order of insuring described in basis, returns described order Return described terminal;
Declaration form module, for detecting the pay status of described order, if detecting, the pay status of described order is for prop up Pay, then generate declaration form according to described order.
Preferably, described vehicle insurance marketing system also includes:
Payment module, if for receiving the payment request that described terminal sends based on described order, then according to described payment Ask to return the corresponding payment page to terminal, pay for described terminal;If described terminal completes propping up of described order Pay, then update the pay status of described order for pay.
Preferably, described vehicle insurance marketing system also includes:
Modified module, if for the pay status amendment instruction receiving described order, then revising according to described pay status Instruction correspondence revises the pay status of described order.
Preferably, described accounting module is additionally operable to,
Receive certificate picture and the certificate classification of correspondence that described terminal sends, demonstrate,prove based on described in described certificate classification extraction Information in part picture, obtain described in insure information of vehicles;Information of vehicles is insured and described vehicle insurance kind calculates according to described To vehicle insurance expense.
Preferably, described accounting module is additionally operable to,
Described information of vehicles of insuring is returned described terminal;If receiving amendment based on described information of vehicles of insuring request, Then insure described in corresponding amendment information of vehicles;If receiving the confirmation message that described terminal sends based on described information of vehicles of insuring, Then according to described in insure information of vehicles and described vehicle insurance kind is calculated vehicle insurance expense.
Vehicle insurance selling method proposed by the invention and system, when the vehicle insurance sent by receiving terminal buys request, to Terminal returns the vehicle insurance list being pre-configured with, and obtains the vehicle insurance kind that user chooses based on vehicle insurance list;Send obtaining terminal Information of vehicles of insuring after, according to insuring information of vehicles and vehicle insurance kind is calculated vehicle insurance expense;Then, according to vehicle of insuring Information and vehicle insurance expense generate order, and order is returned terminal, carry out the payment of order for terminal;Hereafter, detection order Pay status, if detect the pay status of order for pay, then according to order generate declaration form.Present invention achieves vehicle insurance Online sales, add the Sales Channel of vehicle insurance, vehicle insurance kind that user's on-line selection is bought also uploads information of vehicles of insuring Can place an order, after user completes to pay, i.e. complete the sale of vehicle insurance, sell omnidistance without business personnel's participation so that user buys Vehicle insurance is more convenient.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of vehicle insurance selling method first embodiment of the present invention;
Fig. 2 is the schematic flow sheet of vehicle insurance selling method the second embodiment of the present invention;
Fig. 3 is the schematic flow sheet of vehicle insurance selling method the 3rd embodiment of the present invention;
Fig. 4 is the schematic flow sheet of vehicle insurance selling method the 4th embodiment of the present invention;
Fig. 5 is the schematic flow sheet of vehicle insurance selling method the 5th embodiment of the present invention;
Fig. 6 is that the functional module of vehicle insurance sale device first embodiment of the present invention, the 4th embodiment and the 5th embodiment is shown It is intended to;
Fig. 7 is the high-level schematic functional block diagram of vehicle insurance sale device the second embodiment of the present invention;
Fig. 8 is the high-level schematic functional block diagram of vehicle insurance sale device the 3rd embodiment of the present invention.
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.
With reference to Fig. 1, vehicle insurance selling method first embodiment of the present invention provides a kind of vehicle insurance selling method, and described vehicle insurance is sold Method includes:
Step S10, receive terminal send vehicle insurance buy request time, to described terminal return be pre-configured with vehicle insurance row Table, obtains the vehicle insurance kind chosen based on described vehicle insurance list.
The present invention recommends vehicle insurance kind by vehicle insurance list from trend user, the vehicle insurance kind selected according to user and input Information of vehicles automatic charging of insuring, generate order, after user completes to pay, i.e. complete the sale of vehicle insurance, sell omnidistance without The participation that business personnel is too much, reduces selling cost, makes user buy vehicle insurance more convenient simultaneously.
As a kind of embodiment, user can use the terminal such as mobile phone, PC to carry out the purchase of vehicle insurance.
Concrete, user can use the application software installed in terminal to assign vehicle insurance and buy instruction, or uses in terminal The browser installed browses vehicle insurance sales page, assigns vehicle insurance and buys instruction.
Terminal, after the vehicle insurance obtaining user's input buys instruction, generates corresponding vehicle insurance according to vehicle insurance purchase instruction and buys Request, is sent to server.
When server receives the vehicle insurance purchase request that terminal sends, call the vehicle insurance list being pre-configured with, return to terminal. It should be noted that vehicle insurance list has been recorded enterprise support purchase or vehicle insurance kind for sale, and various car at present The Limitation on Liability of danger, quotation etc., select for user.
After terminal receives the vehicle insurance list that server sends, user is showed to select.User can be according to actual needs Select the vehicle insurance of one or more classification.The vehicle insurance kind that user is chosen by terminal is sent to server.
Server receives the vehicle insurance kind that terminal sends, and learns the vehicle insurance kind that user chooses.
Step S20, obtain described terminal send information of vehicles of insuring, according to described information of vehicles and the described vehicle insurance of insuring Kind is calculated vehicle insurance expense.
After obtaining the vehicle insurance kind that user selects, terminal notifying user inputs information of vehicles of insuring, including vehicle of insuring VIN (Vehicle Identification Number, vehicle identification code), price, the purchase date, the operation character of vehicle Etc. information, it is also possible to include the relevant informations such as the name of car owner, identity card.
The information of vehicles of insuring that user is inputted by terminal uploads onto the server, and server receives the vehicle of insuring that terminal sends After information, according to insuring information of vehicles and the vehicle insurance kind chosen is calculated the vehicle insurance expense that vehicle of insuring should be paid.
If user have chosen the vehicle insurance of multiple kind, then the vehicle insurance expense that vehicle of insuring should be paid is all kinds of for calculating respectively The total cost obtained is added up after the expense of vehicle insurance.
Step S30, according to described in insure information of vehicles and described vehicle insurance expense generate order, described order is returned described Terminal.
After the vehicle insurance expense that vehicle of currently being insured need to be paid, server is according to information of vehicles and the vehicle insurance expense of insuring Generating vehicle insurance order, and the vehicle insurance order generated is returned terminal, now, the pay status of server configures order is not for prop up Pay.
Terminal, after receiving the vehicle insurance order that server returns, is shown order to user, is obtained sequence information for user, Pay invoice.User can carry out the payment of order by multiple channel, and such as on-line payment, use third-party payment system pay Or pay in cash.
After user completes the payment of order, the channel of disbursement paying this order sends payment affirmation message to server, really Recognize current order to complete to pay.
Server, after receiving payment affirmation message, revises the pay status of this order for pay.
Step S40, detect the pay status of described order, if detect the pay status of described order for pay, then Declaration form is generated according to described order.
Server is after returning order to terminal, by the pay status of the frequency detecting order preset.
If detect the pay status of order for pay, then server generates corresponding declaration form according to order, completes car The sale of danger.Declaration form has been recorded the information of vehicle of insuring, and relevant information of insuring.
Then, declaration form can be returned terminal by server, checks for terminal use.
In the present embodiment, when server receives the vehicle insurance purchase request that terminal sends, it is pre-configured with to terminal return Vehicle insurance list, obtains the vehicle insurance kind that user chooses based on vehicle insurance list;After obtaining the information of vehicles of insuring that terminal sends, root According to insuring information of vehicles and vehicle insurance kind is calculated vehicle insurance expense;Then, according to information of vehicles and the generation of vehicle insurance expense of insuring Order, and order is returned terminal, the payment of order is carried out for terminal;Hereafter, the pay status of detection order, if detecting The pay status of order for pay, then generates declaration form according to order.The present embodiment achieves the online sales of vehicle insurance, adds The Sales Channel of vehicle insurance, vehicle insurance kind that user's on-line selection is bought also is uploaded information of vehicles of insuring and can be placed an order, complete user Become the sale i.e. completing vehicle insurance after paying, sell omnidistance without business personnel's participation so that it is more convenient that user buys vehicle insurance.
Further, with reference to Fig. 2, vehicle insurance selling method the second embodiment of the present invention provides a kind of vehicle insurance selling method, base After the embodiment shown in above-mentioned Fig. 1, described step S30, also include:
If step S50 receives the payment request that described terminal sends based on described order, then according to described pay request to Terminal returns the corresponding payment page, pays for described terminal;
If the described terminal of step S60 completes the payment of described order, then update the pay status of described order for prop up Pay, and proceed to perform step: S40.
Terminal, after receiving the order that server returns, is shown order to user, and is prompted the user whether to select online Pay this order.If user selects on-line payment, then terminal provides the various means of payment, selects for user, such as, uses bank card Quick payment, third-party payment system, or the means of payment that enterprise is own.
After user selects the means of payment, assign the payment instruction for order.
Terminal receives the payment instruction of user's input, and generating, according to the payment instruction of user, the payment comprising the means of payment please Ask, and be sent to server.
Server, after generating order, if receiving the payment request that terminal sends based on order, then obtains according to payment request Taking type of payment, such as use bank card fast pays, third-party payment system, or the means of payment that enterprise is own.
Then, server returns the corresponding payment page according to type of payment to terminal, carries out propping up of order for terminal Pay.
Terminal receives the payment page that server returns, and obtains the payment information of user's input, such as account name, password etc. Information, pays.
After completing to pay, terminal to server sends and pays completion notice information.
After server receives the payment completion notice information that terminal sends, verification terminal has completed propping up of this order the most Pay.
If terminal has completed the payment of order, then the pay status of server update order is for pay, and orders according to this Single declaration form generating correspondence, is sent to terminal, completes the sale of vehicle insurance.
Terminal, after receiving declaration form, shows user, understands the every terms of information having bought vehicle insurance for user.
In the present embodiment, after generating order, if receiving the payment request that terminal sends based on order, then according to payment Ask to return the corresponding payment page to terminal, pay for terminal;If terminal completes the payment of order, the most more new order Pay status for pay, generate declaration form.The present embodiment achieves the on-line payment of order, and user can be by multiple online Pay the payment that channel carries out order, simple operation, improve the motility of vehicle insurance online sales and the consumption experience of user.
Further, with reference to Fig. 3, vehicle insurance selling method the 3rd embodiment of the present invention provides a kind of vehicle insurance selling method, base After the embodiment shown in above-mentioned Fig. 1, described step S30, also include:
If step S70 receives the pay status amendment instruction of described order, then right according to the amendment instruction of described pay status The pay status of described order should be revised.
In the present embodiment, the state of order can be modified by management personnel with login service device, to select line user When in lower payment or line, payment is broken down, the pay status of order is managed.
The amendment instruction of order pay status that management personnel assign can be the pay status of amendment order for having paid or Not paying, server is according to the pay status of order pay status amendment instruction correspondence amendment order.
Concrete, as a kind of embodiment, terminal, after receiving the order that server returns, shows order to user, And prompt the user whether to select this order of on-line payment.If user selects to pay under line, then terminal provides and respectively pays net under line Dot information, carries out the payment of order for user.
User make the mode such as in cash to after paying site and complete the payment of order, fee-collector or there is the pipe of authority Reason person can be with login service device, the amendment instruction of the pay status that releases order, to control the pay status of server amendment order For paying.
Server is after the amendment receiving order pay status instructs, according to the payment shape of amendment instruction correspondence amendment order State is for pay.
Then, server generates declaration form according to prepaid order correspondence, completes the sale of vehicle insurance.
In the present embodiment, after generating order, if server receives the pay status amendment instruction of order, then according to propping up Pay the pay status of status modifier instruction correspondence amendment order, it is achieved that the management to order pay status.
Further, with reference to Fig. 4, vehicle insurance selling method the 4th embodiment of the present invention provides a kind of vehicle insurance selling method, base In the embodiment (the present embodiment is as a example by Fig. 1) shown in above-mentioned Fig. 1, Fig. 2 or Fig. 3, described step S20 includes:
Step S21, the certificate picture receiving the transmission of described terminal and the certificate classification of correspondence, you can well imagine based on described certificate class Take the information in described certificate picture, obtain described in insure information of vehicles;
Step S22, according to described in insure information of vehicles and described vehicle insurance kind is calculated vehicle insurance expense.
In the present embodiment, server can obtain, according to the certificate picture that terminal is uploaded, information of vehicles of insuring.
Concrete, as a kind of embodiment, after user selects vehicle insurance kind according to vehicle insurance list, terminal notifying user Inputting information of vehicles of insuring, user can be directly by the every terms of information input terminal of vehicle of insuring, it is also possible to directly upload relevant The photo of certificate, such as driving license, identity card etc..When uploading certificate picture, user need to be correspondingly arranged the card of each certificate picture Part classification, such as being correspondingly arranged certificate classification when uploading driving license picture is driving license, uploads during car owner's identity card picture corresponding Arranging certificate classification is car owner's identity card.
Terminal obtains certificate picture and the certificate classification of user's input, is sent to server.
Server receives the certificate picture that terminal sends, and obtains the certificate classification of each certificate picture, then to certificate picture Carry out image recognition, according to the information in certificate classification extraction certificate picture, obtain information of vehicles of insuring.Different certificate classifications The different information that obtains can be extracted, thus obtain complete information of vehicles of insuring
Such as, server can identify that driving license obtains insuring the VIN code of vehicle, identifies that car owner's identity card obtains car owner's body The information such as part card number.
Thus, server obtains information of vehicles of insuring, then, according to information of vehicles and the vehicle insurance kind calculating vehicle insurance expense of insuring With.
In the present embodiment, receive certificate picture and the certificate classification of correspondence that terminal sends, be then based on certificate classification Extract the information in certificate picture, obtain information of vehicles of insuring, carry out the calculating of vehicle insurance expense.The present embodiment is manual without user Sequentially input the every terms of information of vehicle of insuring, it is only necessary to upload relevant certificate picture, decrease the workload of user, improve The buying experience of user.
Further, with reference to Fig. 5, vehicle insurance selling method the 5th embodiment of the present invention provides a kind of vehicle insurance selling method, base After the embodiment shown in above-mentioned Fig. 4, described step S21, also include:
Step S23, by described insure information of vehicles return described terminal;
If step S24 receives amendment based on described information of vehicles of insuring request, then vehicle letter of insuring described in corresponding amendment Breath;If receiving the confirmation message that described terminal sends based on described information of vehicles of insuring, then proceed to perform step S22.
After server identification certificate picture obtains insuring information of vehicles, server information of vehicles of insuring returns terminal, For user's debugging, confirmation.
After terminal receives the information of vehicles of insuring that server returns, show user.If user needs amendment to insure vehicle Information, then select to need the item of information of amendment, input amended information.
Item of information that terminal selects according to user and the amendment information of input, generate amendment request, be sent to server.
After server receives the amendment request that terminal sends, revise, according to the amendment information correspondence of user's input, vehicle of insuring This information in information.
If user confirms that the every terms of information insured in information of vehicles is correct, then can instruct to terminal input validation.Terminal After receiving the confirmation instruction of user's input, generate and confirm that message is sent to server.
Server is after receiving the confirmation message for information of vehicles of insuring that terminal sends, according to the vehicle of insuring confirmed Information and vehicle insurance expense calculate vehicle insurance expense.
In the present embodiment, server, after the information of vehicles that obtains according to certificate picture recognition insuring, returns to terminal, supplies User's debugging, the amendment request correspondence amendment that can send according to terminal.If receive terminal send based on information of vehicles of insuring Confirmation message, then it is assumed that user confirms that information of vehicles of insuring is errorless, further according to insure information of vehicles and the vehicle insurance kind that confirm Calculate vehicle insurance expense, it is achieved that the management to the information of vehicles of insuring automatically extracted, to reduce the error rate of vehicle insurance order.
With reference to Fig. 6, vehicle insurance marketing system first embodiment of the present invention provides a kind of vehicle insurance marketing system, and described vehicle insurance is sold System includes:
List block 10, when the vehicle insurance sent for receiving terminal buys request, is pre-configured with to the return of described terminal Vehicle insurance list, obtains the vehicle insurance kind chosen based on described vehicle insurance list.
The present invention recommends vehicle insurance kind by vehicle insurance list from trend user, the vehicle insurance kind selected according to user and input Information of vehicles automatic charging of insuring, generate order, after user completes to pay, i.e. complete the sale of vehicle insurance, sell omnidistance without The participation that business personnel is too much, reduces selling cost, makes user buy vehicle insurance more convenient simultaneously.
As a kind of embodiment, user can use the terminal such as mobile phone, PC to carry out the purchase of vehicle insurance.Vehicle insurance marketing system can Dispose in the server.
Concrete, user can use the application software installed in terminal to assign vehicle insurance and buy instruction, or uses in terminal The browser installed browses vehicle insurance sales page, assigns vehicle insurance and buys instruction.
Terminal, after the vehicle insurance obtaining user's input buys instruction, generates corresponding vehicle insurance according to vehicle insurance purchase instruction and buys Request, is sent to server.
When list block 10 receives the vehicle insurance purchase request that terminal sends, call the vehicle insurance list being pre-configured with, return to Terminal.Support at present to buy or vehicle insurance kind for sale it should be noted that vehicle insurance list has been recorded enterprise, and respectively Plant the Limitation on Liability of vehicle insurance, quotation etc., select for user.
After terminal receives the vehicle insurance list that list block 10 sends, user is showed to select.User can be according to reality Need to select the vehicle insurance of one or more classification.The vehicle insurance kind that user is chosen by terminal is sent to list block 10.
List block 10 receives the vehicle insurance kind that terminal sends, and learns the vehicle insurance kind that user chooses.
Accounting module 20, for obtain described terminal send information of vehicles of insuring, according to described insure information of vehicles and Described vehicle insurance kind is calculated vehicle insurance expense.
After obtaining the vehicle insurance kind that user selects, terminal notifying user inputs information of vehicles of insuring, including vehicle of insuring VIN (Vehicle Identification Number, vehicle identification code), price, the purchase date, the operation character of vehicle Etc. information, it is also possible to include the relevant informations such as the name of car owner, identity card.
The information of vehicles of insuring that user is inputted by terminal is uploaded to accounting module 20, and accounting module 20 receives what terminal sent Insure after information of vehicles, according to insuring information of vehicles and the vehicle insurance kind chosen is calculated the vehicle insurance that vehicle of insuring should be paid Expense.
If user have chosen the vehicle insurance of multiple kind, then the vehicle insurance expense that vehicle of insuring should be paid is all kinds of for calculating respectively The total cost obtained is added up after the expense of vehicle insurance.
Order module 30, for information of vehicles and the described vehicle insurance expense generation order of insuring described in basis, by described order Return described terminal.
After the vehicle insurance expense that vehicle of currently being insured need to be paid, order module 30 is according to information of vehicles and the vehicle insurance of insuring Expense generates vehicle insurance order, and the vehicle insurance order generated is returned terminal, and now, order module 30 configures the pay status of order For not paying.
Terminal, after receiving the vehicle insurance order that order module 30 returns, is shown order to user, is obtained order for user Information, pay invoice.User can carry out the payment of order, such as on-line payment, use Third-party payment system by multiple channel System pays or pays in cash.
After user completes the payment of order, pay the channel of disbursement of this order and send payment affirmation to order module 30 and disappear Breath, confirms that current order completes to pay.
Order module 30, after receiving payment affirmation message, revises the pay status of this order for pay.
Declaration form module 40, for detecting the pay status of described order, if detecting, the pay status of described order is for Pay, then generate declaration form according to described order.
In order module 30 after terminal returns order, declaration form module 40 is by the payment shape of the frequency detecting order preset State.
If detect the pay status of order for pay, then declaration form module 40 generates corresponding declaration form according to order, complete Become the sale of vehicle insurance.Declaration form has been recorded the information of vehicle of insuring, and relevant information of insuring.
Then, declaration form can be returned terminal by declaration form module 40, checks for terminal use.
In the present embodiment, when list block 10 receives the vehicle insurance purchase request that terminal sends, return to terminal and join in advance The vehicle insurance list put, obtains the vehicle insurance kind that user chooses based on vehicle insurance list;Obtaining the information of vehicles of insuring that terminal sends After, accounting module 20 is according to insuring information of vehicles and vehicle insurance kind is calculated vehicle insurance expense;Then, order module 30 is according to throwing Protect information of vehicles and vehicle insurance expense generates order, and order is returned terminal, carry out the payment of order for terminal;Hereafter, protect Single module 40 detects the pay status of order, if detect the pay status of order for pay, then declaration form module 40 is according to ordering Single generation declaration form.The present embodiment achieves the online sales of vehicle insurance, adds the Sales Channel of vehicle insurance, and user's on-line selection is bought Vehicle insurance kind and upload information of vehicles of insuring and can place an order, after user complete to pay, i.e. complete the sale of vehicle insurance, sell complete Cheng Wuxu business personnel participates in so that it is more convenient that user buys vehicle insurance.
Further, with reference to Fig. 7, vehicle insurance marketing system the second embodiment of the present invention provides a kind of vehicle insurance marketing system, base In the embodiment shown in above-mentioned Fig. 6, described vehicle insurance marketing system also includes:
Payment module 50, if for receiving the payment request that described terminal sends based on described order, then according to described Request of paying returns the corresponding payment page to terminal, pays for described terminal;If described terminal completes described order Pay, then update the pay status of described order for pay.
Terminal, after receiving the order that server returns, is shown order to user, and is prompted the user whether to select online Pay this order.If user selects on-line payment, then terminal provides the various means of payment, selects for user, such as, uses bank card Quick payment, third-party payment system, or the means of payment that enterprise is own.
After user selects the means of payment, assign the payment instruction for order.
Terminal receives the payment instruction of user's input, and generating, according to the payment instruction of user, the payment comprising the means of payment please Ask, and be sent to server.
After generating order, if payment module 50 receives the payment request that terminal sends based on order, then please according to payment Seek acquisition type of payment, such as, use bank card fast to pay, third-party payment system, or the means of payment that enterprise is own.
Then, payment module 50 returns the corresponding payment page according to type of payment to terminal, carries out order for terminal Payment.
Terminal receives the payment page that payment module 50 returns, and obtains the payment information of user's input, such as account name, close The information such as code, pay.
After completing to pay, terminal sends to payment module 50 and pays completion notice information.
After payment module 50 receives the payment completion notice information that terminal sends, verification terminal has completed this order the most Pay.
If terminal has completed the payment of order, then the pay status of payment module 50 more new order is for pay, declaration form mould Block 40 generates corresponding declaration form according to this order, is sent to terminal, completes the sale of vehicle insurance.
Terminal, after receiving declaration form, shows user, understands the every terms of information having bought vehicle insurance for user.
In the present embodiment, after generating order, if payment module 50 receives the payment request that terminal sends based on order, Then return the payment page of correspondence according to the request that pays to terminal, pay for terminal;If terminal completes the payment of order, The pay status of the most more new order, for pay, generates declaration form.The present embodiment achieves the on-line payment of order, and user can pass through Multiple on-line payment channel carries out the payment of order, simple operation, improves the motility of vehicle insurance online sales and disappearing of user Take experience.
Further, with reference to Fig. 8, vehicle insurance marketing system the 3rd embodiment of the present invention provides a kind of vehicle insurance marketing system, base In the embodiment shown in above-mentioned Fig. 6, described vehicle insurance marketing system also includes:
Modified module 60, if for the pay status amendment instruction receiving described order, then repairing according to described pay status Change instruction correspondence and revise the pay status of described order.
In the present embodiment, the state of order can be modified by management personnel with login service device, to select line user When in lower payment or line, payment is broken down, the pay status of order is managed.
The amendment instruction of order pay status that management personnel assign can be the pay status of amendment order for having paid or Not paying, modified module 60 is according to the pay status of order pay status amendment instruction correspondence amendment order.
Concrete, as a kind of embodiment, terminal, after receiving the order that order module 30 returns, is shown to user and is ordered Single, and prompt the user whether to select this order of on-line payment.If user selects to pay under line, then each payment under terminal provides line Site information, carries out the payment of order for user.
User make the mode such as in cash to after paying site and complete the payment of order, fee-collector or there is the pipe of authority Reason person can be with login service device, the amendment instruction of the pay status that releases order, to control the pay status of server amendment order For paying.
Modified module 60 is after the amendment instruction receiving order pay status, according to propping up of amendment instruction correspondence amendment order The state of paying is for pay.
Then, declaration form module 40 generates declaration form according to prepaid order correspondence, completes the sale of vehicle insurance.
In the present embodiment, after generating order, if modified module 60 receives the pay status amendment instruction of order, then root Pay status according to pay status amendment instruction correspondence amendment order, it is achieved that the management to order pay status.
Further, with reference to Fig. 6, vehicle insurance marketing system the 4th embodiment of the present invention provides a kind of vehicle insurance marketing system, base In above-mentioned Fig. 6, (the present embodiment with the vehicle insurance marketing system first embodiment of the present invention shown in Fig. 6 is the embodiment shown in 7 or 8 Example), described accounting module 20 is additionally operable to,
Receive certificate picture and the certificate classification of correspondence that described terminal sends, demonstrate,prove based on described in described certificate classification extraction Information in part picture, obtain described in insure information of vehicles;Information of vehicles is insured and described vehicle insurance kind calculates according to described To vehicle insurance expense.
In the present embodiment, accounting module 20 can obtain, according to the certificate picture that terminal is uploaded, information of vehicles of insuring.
Concrete, as a kind of embodiment, after user selects vehicle insurance kind according to vehicle insurance list, terminal notifying user Inputting information of vehicles of insuring, user can be directly by the every terms of information input terminal of vehicle of insuring, it is also possible to directly upload relevant The photo of certificate, such as driving license, identity card etc..When uploading certificate picture, user need to be correspondingly arranged the card of each certificate picture Part classification, such as being correspondingly arranged certificate classification when uploading driving license picture is driving license, uploads during car owner's identity card picture corresponding Arranging certificate classification is car owner's identity card.
Terminal obtains certificate picture and the certificate classification of user's input, is sent to accounting module 20.
Accounting module 20 receives the certificate picture that terminal sends, and obtains the certificate classification of each certificate picture, then to certificate Picture carries out image recognition, according to the information in certificate classification extraction certificate picture, obtains information of vehicles of insuring.Different certificates Classification can extract the different information that obtains, thus obtains complete information of vehicles of insuring
Such as, accounting module 20 can identify that driving license obtains insuring the VIN code of vehicle, identifies that car owner's identity card obtains car The information such as owner identification card number.
Thus, accounting module 20 obtains information of vehicles of insuring, and then, accounting module 20 is according to information of vehicles and the vehicle insurance of insuring Kind calculates vehicle insurance expense.
In the present embodiment, accounting module 20 receives certificate picture and the certificate classification of correspondence, the then base that terminal sends Information in certificate classification extraction certificate picture, obtains information of vehicles of insuring, carries out the calculating of vehicle insurance expense.The present embodiment without User is needed manually to sequentially input the every terms of information of vehicle of insuring, it is only necessary to upload relevant certificate picture, decrease the work of user Measure, improve the buying experience of user.
Further, with reference to Fig. 6, vehicle insurance marketing system the 5th embodiment of the present invention provides a kind of vehicle insurance marketing system, base In the invention described above vehicle insurance marketing system the 4th embodiment, described accounting module 20 is additionally operable to,
Described information of vehicles of insuring is returned described terminal;If receiving amendment based on described information of vehicles of insuring request, Then insure described in corresponding amendment information of vehicles;If receiving the confirmation message that described terminal sends based on described information of vehicles of insuring, Then according to described in insure information of vehicles and described vehicle insurance kind is calculated vehicle insurance expense.
Identifying that certificate picture obtains insuring after information of vehicles at accounting module 20, accounting module 20 information of vehicles of insuring returns Return terminal, for user's debugging, confirmation.
After terminal receives the information of vehicles of insuring that accounting module 20 returns, show user.If user needs amendment to insure Information of vehicles, then select to need the item of information of amendment, input amended information.
Item of information that terminal selects according to user and the amendment information of input, generate amendment request, be sent to accounting module 20。
After accounting module 20 receives the amendment request that terminal sends, insure according to the amendment information correspondence amendment of user's input This information in information of vehicles.
If user confirms that the every terms of information insured in information of vehicles is correct, then can instruct to terminal input validation.Terminal After receiving the confirmation instruction of user's input, generate and confirm that message is sent to accounting module 20.
Accounting module 20 is after receiving the confirmation message for information of vehicles of insuring that terminal sends, according to insuring of confirming Information of vehicles and vehicle insurance expense calculate vehicle insurance expense.
In the present embodiment, accounting module 20, after the information of vehicles that obtains according to certificate picture recognition insuring, returns to end End, for user's debugging, the amendment request correspondence amendment that can send according to terminal.If receive terminal send based on vehicle of insuring The confirmation message of information, then it is assumed that user confirms that information of vehicles of insuring is errorless, further according to insure information of vehicles and the vehicle insurance that confirm Kind calculates vehicle insurance expense, it is achieved that the management to the information of vehicles of insuring automatically extracted, to reduce the error rate of vehicle insurance order.
These are only the alternative embodiment 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 insurance selling method, it is characterised in that described vehicle insurance selling method comprises the following steps:
When receiving the vehicle insurance purchase request that terminal sends, return the vehicle insurance list being pre-configured with to described terminal, obtain based on institute State the vehicle insurance kind that vehicle insurance list is chosen;
Obtain the information of vehicles of insuring that described terminal sends, insure information of vehicles and described vehicle insurance kind is calculated according to described Vehicle insurance expense;
According to described information of vehicles and the described vehicle insurance expense generation order of insuring, described order is returned described terminal;
Detect the pay status of described order, if detect the pay status of described order for pay, then according to described order Generate declaration form.
2. vehicle insurance selling method as claimed in claim 1, it is characterised in that the information of vehicles and described of insuring described in described basis Vehicle insurance expense generates order, after described order returns the step of described terminal, also includes:
If receiving the payment request that described terminal sends based on described order, then pay request to terminal return correspondence according to described The payment page, pay for described terminal;
If described terminal completes the payment of described order, then update the pay status of described order for pay, and proceed to perform Step: generate declaration form according to described order.
3. vehicle insurance selling method as claimed in claim 1, it is characterised in that the information of vehicles and described of insuring described in described basis Vehicle insurance expense generates order, after described order returns the step of described terminal, also includes:
If receiving the pay status amendment instruction of described order, then order according to the amendment instruction correspondence amendment of described pay status Single pay status.
4. the vehicle insurance selling method as described in claim 1,2 or 3, it is characterised in that the throwing that the described terminal of described acquisition sends Protect information of vehicles, insure information of vehicles and step that described vehicle insurance kind is calculated vehicle insurance expense includes according to described:
Receive certificate picture and the certificate classification of correspondence that described terminal sends, based on certificate figure described in described certificate classification extraction Information in sheet, obtain described in insure information of vehicles;
Information of vehicles is insured and described vehicle insurance kind is calculated vehicle insurance expense according to described.
5. vehicle insurance selling method as claimed in claim 4, it is characterised in that the certificate picture that the described terminal of described reception sends And the certificate classification of correspondence, based on the information in certificate picture described in described certificate classification extraction, obtain described in insure vehicle letter After the step of breath, also include:
Described information of vehicles of insuring is returned described terminal;
If receiving amendment based on described information of vehicles of insuring request, then information of vehicles of insuring described in corresponding amendment;
If receiving the confirmation message that described terminal sends based on described information of vehicles of insuring, then proceed to perform step: according to described Insure information of vehicles and described vehicle insurance kind is calculated vehicle insurance expense.
6. a vehicle insurance marketing system, it is characterised in that described vehicle insurance marketing system includes:
List block, when the vehicle insurance sent for receiving terminal buys request, returns the vehicle insurance row being pre-configured with to described terminal Table, obtains the vehicle insurance kind chosen based on described vehicle insurance list;
Accounting module, for obtaining the information of vehicles of insuring that described terminal sends, according to described information of vehicles and the described car of insuring Insurance kind class is calculated vehicle insurance expense;
Order module, for information of vehicles and the described vehicle insurance expense generation order of insuring described in basis, returns described order to institute State terminal;
Declaration form module, for detecting the pay status of described order, if detect the pay status of described order for pay, then Declaration form is generated according to described order.
7. vehicle insurance marketing system as claimed in claim 6, it is characterised in that described vehicle insurance marketing system also includes:
Payment module, if for receiving the payment request that described terminal sends based on described order, then paying request according to described Return the corresponding payment page to terminal, pay for described terminal;If described terminal completes the payment of described order, then Update the pay status of described order for pay.
8. vehicle insurance marketing system as claimed in claim 6, it is characterised in that described vehicle insurance marketing system also includes:
Modified module, if for the pay status amendment instruction receiving described order, then according to the amendment instruction of described pay status The corresponding pay status revising described order.
9. the vehicle insurance marketing system as described in claim 6,7 or 8, it is characterised in that described accounting module is additionally operable to,
Receive certificate picture and the certificate classification of correspondence that described terminal sends, based on certificate figure described in described certificate classification extraction Information in sheet, obtain described in insure information of vehicles;Information of vehicles is insured and described vehicle insurance kind is calculated car according to described Danger expense.
10. vehicle insurance marketing system as claimed in claim 9, it is characterised in that described accounting module is additionally operable to,
Described information of vehicles of insuring is returned described terminal;If receiving amendment based on described information of vehicles of insuring request, the most right Insure described in should revising information of vehicles;If receiving the confirmation message that described terminal sends, then root based on described information of vehicles of insuring Information of vehicles is insured and described vehicle insurance kind is calculated vehicle insurance expense according to described.
CN201610620913.2A 2016-08-01 2016-08-01 Vehicle insurance selling method and system Pending CN106228431A (en)

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CN107093146A (en) * 2017-04-11 2017-08-25 武汉华创欣网科技有限公司 Compensation method is examined in a kind of online settlement of insurance claim
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CN106651595A (en) * 2016-12-22 2017-05-10 安徽保腾网络科技有限公司 Car insurance rate translation method
CN107862612A (en) * 2016-12-28 2018-03-30 平安科技(深圳)有限公司 Pay the processing method and processing device of failure
CN107689004A (en) * 2017-02-20 2018-02-13 平安科技(深圳)有限公司 Group insurance is insured method and system
CN107093146A (en) * 2017-04-11 2017-08-25 武汉华创欣网科技有限公司 Compensation method is examined in a kind of online settlement of insurance claim
CN107818477A (en) * 2017-09-27 2018-03-20 天脉聚源(北京)科技有限公司 One kind reward feedback method and device
CN108022170A (en) * 2017-12-06 2018-05-11 中国平安财产保险股份有限公司 Continuation of insurance processing method, device, computer equipment and storage medium
CN109949119A (en) * 2018-06-06 2019-06-28 北京诚盾诚讯信息技术有限公司 The support method and system of process of exchange
CN108846765A (en) * 2018-06-19 2018-11-20 上海博泰悦臻电子设备制造有限公司 Vehicle maintenance insurance fee payment method and system based on vehicle driving big data
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CN110910259A (en) * 2019-12-04 2020-03-24 信钛速保(厦门)信息科技有限公司 Policy information management method, system, mobile terminal and storage medium

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Application publication date: 20161214