CN106296410A - A kind of self-service system of insuring of automobile insurance - Google Patents
A kind of self-service system of insuring of automobile insurance Download PDFInfo
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- CN106296410A CN106296410A CN201610628609.2A CN201610628609A CN106296410A CN 106296410 A CN106296410 A CN 106296410A CN 201610628609 A CN201610628609 A CN 201610628609A CN 106296410 A CN106296410 A CN 106296410A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
nullThe invention discloses a kind of self-service system of insuring of automobile insurance，Including ID card information harvester、Image acquisition device、Bank card reader、Central processing unit、User profile storage server、Vehicle information storage server、Subscription client and printer，The present invention gathers user identity card information by ID card information harvester，User's driving license image information is gathered by image acquisition device，By bank card reader、By user profile storage server and vehicle information storage server stores user and information of vehicles of insuring，All collection data and user's input information are processed by central processing unit，User completes insuring and paying the bill of vehicle insurance by subscription client and bank card reader，Declaration form is printed by printer，Realize the long-range operation that car insurance is insured，Simple in construction，Easy to use，User can the most self-service purchase motor vehicle insurance，Expand the purchasing channel of motor vehicle insurance.
Description
Technical field
The invention belongs to computer communication technology field, relate to a kind of self-service system of insuring, specifically a kind of motor vehicles
Insure self-service system of insuring.
Background technology
Insurance, refer to that based on contract insurer arranges, to insurer's premium payment, the insurer for contract engagement can
The accident that can occur occurs the property loss that caused to undertake compensation insurance gold responsibility because of it, or insurant's death, disability,
Disease or reach undertakes the business insurance behavior of payment insurance money responsibility during the conditions such as the age of contract engagement, time limit.
Along with the raising of social life level, the insurance awareness of people is the most gradually strengthened, and the most more carrys out the demand of insurance
The most.Along with the development of science and technology, self-help insurance is sold and has been had become as reality, and people can buy insurance the most easily.
Automobile insurance, as the one of insurance, is with motor vehicles itself and the third party liability etc. thereof for insurance mark
A kind of Vehicle Risk.Its policy holder, mainly has body corporate and the individual of various automotive；It is protected
Danger target, the most various types of automobiles, but also include the special-purpose vehicle such as electric car, electromobile and motorcycle etc..
Automobile insurance, during insuring, is insured vehicle configuration information, character of use, purchase year since it is desired that gather
Limit and the identity information of insurer, gather data volume very big, and requires that information must be accurately；Also because regulator is to car
The supervision of danger is particularly severe, and program is the most various, so at present the marketing method of vehicle insurance is mainly business hall sales counter, phone, mutually
The modes such as networking are sold, labor intensive material resources, and inefficiency.
Summary of the invention
It is an object of the invention to provide a kind of simple in construction, the automobile insurance of the convenient and swift purchase vehicle insurance of energy is self-service
Insure system.
The purpose of the present invention can be achieved through the following technical solutions:
A kind of self-service system of insuring of automobile insurance, including
ID card information harvester, is used for gathering user identity card information；
Image acquisition device, is used for gathering user's driving license image information；
Bank card reader, is used for reading user's bank card information and carrying out payment of insuring；
Central processing unit, for processing all information of insuring；
User profile storage server, is used for storing user identity card information, driving license image information and history declaration form；
Vehicle information storage server, is used for storing motor vehicles vehicle, configuring condition information；
Subscription client, is used for showing central processing unit result and prompting user operation；
Printer, is used for printing motor vehicles insurance policy；
Wherein, the storage service of described ID card information harvester, image acquisition device, bank card reader, user profile
Device, vehicle information storage server, subscription client and printer all communicate to connect with central processing unit, described user
Information storage server, vehicle information storage server all communicates to connect with subscription client.
Further, described central processing unit includes
Information processing module of user's, receives the user identity card information that ID card information harvester gathers；
Vehicle information processing module, receives user's driving license image information that image acquisition device gathers, and identifies driving license
On the motor vehicles time buying, character of use, engine mumber, motor vehicles VIN code information；
Information inquiry module, obtains user identity card information from information processing module of user's, and is sent to user profile and deposits
Storage server is inquired about, it is judged that whether user is frequent customer；Motor vehicles VIN code is obtained from vehicle information processing module, and
It is sent to vehicle information storage server inquire about, obtains motor vehicles vehicle, configuring condition information；
Algorithm device, according to motor vehicles time buying, character of use, motor vehicles vehicle, configuring condition information and user
Insurance kind and the time of policy purchase information of input calculate insured amount；
Payment information processing module, receives and the payment information of insuring of Confirm Bank's card reader；
Declaration form generation module, generates declaration form according to user profile, vehicle information and payment information of insuring, and is sent to use
Family information storage module stores, and is sent to printer and prints；
Subscription client, is arranged in user mobile phone or computer, and user can check user profile, machine by subscription client
Motor-car information and policy information, and input the information such as the time of policy purchase and insurance kind.
Further, described central processing unit uses industrial computer or single-chip microcomputer.
Beneficial effects of the present invention: the present invention gathers user identity card information by ID card information harvester, by figure
As harvester gathers user's driving license image information, by bank card reader, by user profile storage server and motor-driven
Car information storage server storage user and information of vehicles of insuring, process all collection data by central processing unit and user be defeated
Entering information, user completes insuring and paying the bill of vehicle insurance by subscription client and bank card reader, is printed by printer and protects
Single, it is achieved the long-range operation that car insurance is insured, simple in construction, easy to use, user can the most self-service purchase motor-driven
Car insures, and expands the purchasing channel of motor vehicle insurance.
Accompanying drawing explanation
With specific embodiment, the present invention is described in further detail below in conjunction with the accompanying drawings.
Fig. 1 is present system schematic diagram.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Describe, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments wholely.Based on
Embodiment in the present invention, those of ordinary skill in the art obtained under not making creative work premise all other
Embodiment, broadly falls into the scope of protection of the invention.
As it is shown in figure 1, the invention provides a kind of self-service system of insuring of automobile insurance, including for gathering user's body
The ID card information harvester of part card information, for gathering the image acquisition device of user's driving license image information, is used for reading use
Family bank card information also carries out the bank card reader paid the bill of insuring, for the central authorities' process processing all information of insuring
Device, for storing the user profile storage server of user identity card information, driving license image information and history declaration form, is used for
Storage motor vehicles vehicle, the vehicle information storage server of configuring condition information, be used for showing that central processing unit processes knot
Fruit and the subscription client of prompting user operation, for printing the printer of motor vehicles insurance policy.
Wherein, ID card information harvester, image acquisition device, bank card reader, user profile storage server, motor-driven
Car information storage server, subscription client and printer all communicate to connect with central processing unit, user profile storage service
Device, vehicle information storage server all communicates to connect with subscription client.
Central processing unit uses industrial computer or single-chip microcomputer, and central processing unit includes information processing module of user's, motor-driven
Car message processing module, information inquiry module, algorithm device, payment information processing module and declaration form generation module.
Information processing module of user's receives the user identity card information that ID card information harvester gathers.
Vehicle information processing module receives user's driving license image information that image acquisition device gathers, and identifies on driving license
The motor vehicles time buying, character of use, engine mumber, motor vehicles VIN code information.
Information inquiry module obtains user identity card information from information processing module of user's, and is sent to user profile storage
Server is inquired about, it is judged that whether user is frequent customer；Motor vehicles VIN code is obtained, concurrently from vehicle information processing module
Deliver to vehicle information storage server inquire about, obtain motor vehicles vehicle, configuring condition information.
Algorithm device is defeated according to motor vehicles time buying, character of use, motor vehicles vehicle, configuring condition information and user
The insurance kind and the time of policy purchase information that enter calculate insured amount.
Payment information processing module receives and the payment information of insuring of Confirm Bank's card reader.
Declaration form generation module generates declaration form according to user profile, vehicle information and payment information of insuring, and is sent to use
Family information storage module stores, and is sent to printer and prints.
Subscription client is arranged in user mobile phone or computer, and user can check user profile, machine by subscription client
Motor-car information and policy information, and input the information such as the time of policy purchase and insurance kind.
Workflow of the present invention:
1, identity card is contacted by user with ID card information harvester, and ID card information harvester is by intelligence in identity card
Chip completes the collection to user identity card information.
2, information processing module of user's receives user identity card information and is sent to enquiry module, and enquiry module is according to user
ID card information is inquired about from user profile storage server, it may be judged whether for frequent customer:
If frequent customer,
3, user profile stores the history declaration form of server calling and obtaining user and is sent to subscription client, and user passes through history
Declaration form judges that motor vehicles to be insured is whether in history declaration form:
If motor vehicles to be insured is in history declaration form,
4, user is paid the bill by bank card reader according to history declaration form.
5, payment information processing module receives and the payment information of insuring of Confirm Bank's card reader, is sent to declaration form and generates
Module generates declaration form, and is sent to subscriber information storing module and stores, and is sent to printer and prints.
If motor vehicles to be insured is not in history declaration form,
6, the image acquisition region that required vehicle registration certificate of insuring is placed into image acquisition device is completed driving license by user
Image information collecting.
7, vehicle information processing module receives user's driving license image information that image acquisition device gathers, and identifies driving license
On the motor vehicles time buying, character of use, engine mumber, motor vehicles VIN code information.
8, information inquiry module obtains motor vehicles VIN code from vehicle information processing module, and is sent to vehicle information
Storage server is inquired about, and obtains motor vehicles vehicle, configuring condition information.
9, user checks motor vehicles time buying, character of use, engine mumber, motor vehicles car by subscription client
Type, configuring condition information, and input the time of policy purchase and insurance kind information.
10, algorithm device is according to motor vehicles time buying, character of use, motor vehicles vehicle, configuring condition information and use
Insurance kind and the time of policy purchase information of family input calculate insured amount.
11, user checks insured amount by subscription client, and is paid the bill by bank card reader, carries out step
5。
If not frequent customer,
12, information processing module of user's user identity is demonstrate,proved information be sent to user profile storage server in deposit
Storage, carries out step 6-11.
Above-mentioned steps needs client complete the action of operation on subscription client, all have relevant prompting.
The present invention gathers user identity card information by ID card information harvester, gathers user's row by image acquisition device
Sail card image information, by bank card reader, deposited by user profile storage server and vehicle information storage server
Storage user and information of vehicles of insuring, process all collection data and user's input information by central processing unit, and user is by using
Family client and bank card reader complete insuring and paying the bill of vehicle insurance, print declaration form by printer, it is achieved car insurance is thrown
The long-range operation protected, simple in construction, easy to use, user can the most self-service purchase motor vehicle insurance, expand motor-driven
The purchasing channel of car insurance.
In the description of this specification, the description of reference term " embodiment ", " example ", " concrete example " etc. means
Specific features, structure, material or feature in conjunction with this embodiment or example description is contained at least one enforcement of the present invention
In example or example.In this manual, the schematic representation to above-mentioned term is not necessarily referring to identical embodiment or example.
And, the specific features of description, structure, material or feature can be to close in any one or more embodiments or example
Suitable mode combines.
Above content is only to present configuration example and explanation, affiliated those skilled in the art couple
Described specific embodiment makes various amendment or supplements or use similar mode to substitute, without departing from invention
Structure or surmount scope defined in the claims, all should belong to protection scope of the present invention.
Claims (3)
1. the self-service system of insuring of automobile insurance, it is characterised in that: include
ID card information harvester, is used for gathering user identity card information；
Image acquisition device, is used for gathering user's driving license image information；
Bank card reader, is used for reading user's bank card information and carrying out payment of insuring；
Central processing unit, for processing all information of insuring；
User profile storage server, is used for storing user identity card information, driving license image information and history declaration form；
Vehicle information storage server, is used for storing motor vehicles vehicle, configuring condition information；
Subscription client, is used for showing central processing unit result and prompting user operation；
Printer, is used for printing motor vehicles insurance policy；
Wherein, described ID card information harvester, image acquisition device, bank card reader, user profile storage server, machine
Motor-car information storage server, subscription client and printer all communicate to connect with central processing unit, described user profile
Storage server, vehicle information storage server all communicate to connect with subscription client.
A kind of self-service system of insuring of automobile insurance the most according to claim 1, it is characterised in that: described centre
Reason device includes
Information processing module of user's, receives the user identity card information that ID card information harvester gathers；
Vehicle information processing module, receives user's driving license image information that image acquisition device gathers, and identifies on driving license
Motor vehicles time buying, character of use, engine mumber, motor vehicles VIN code information；
Information inquiry module, obtains user identity card information from information processing module of user's, and is sent to user profile storage clothes
Business device is inquired about, it is judged that whether user is frequent customer；Obtain motor vehicles VIN code from vehicle information processing module, and send
Inquire about to vehicle information storage server, obtain motor vehicles vehicle, configuring condition information；
Algorithm device, inputs according to motor vehicles time buying, character of use, motor vehicles vehicle, configuring condition information and user
Insurance kind and time of policy purchase information calculate insured amount；
Payment information processing module, receives and the payment information of insuring of Confirm Bank's card reader；
Declaration form generation module, generates declaration form according to user profile, vehicle information and payment information of insuring, and is sent to user's letter
Breath memory module stores, and is sent to printer and prints；
Subscription client, is arranged in user mobile phone or computer, and user can check user profile, motor vehicles by subscription client
Information and policy information, and input the information such as the time of policy purchase and insurance kind.
A kind of self-service system of insuring of automobile insurance the most according to claim 1, it is characterised in that: described centre
Reason device uses industrial computer or single-chip microcomputer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610628609.2A CN106296410A (en) | 2016-08-03 | 2016-08-03 | A kind of self-service system of insuring of automobile insurance |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610628609.2A CN106296410A (en) | 2016-08-03 | 2016-08-03 | A kind of self-service system of insuring of automobile insurance |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106296410A true CN106296410A (en) | 2017-01-04 |
Family
ID=57664560
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610628609.2A Pending CN106296410A (en) | 2016-08-03 | 2016-08-03 | A kind of self-service system of insuring of automobile insurance |
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| Country | Link |
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| CN (1) | CN106296410A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107609979A (en) * | 2017-08-16 | 2018-01-19 | 芜湖恒天易开软件科技股份有限公司 | Declaration form download system |
| CN109255719A (en) * | 2018-07-17 | 2019-01-22 | 苏州车付通信息科技有限公司 | Unattended artificial intelligence is insured system and method for insuring |
| WO2019037191A1 (en) * | 2017-08-24 | 2019-02-28 | 平安科技（深圳）有限公司 | Method and apparatus for counting continuous insurance acceptance years, and computer-readable storage medium |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20050222924A1 (en) * | 2002-05-10 | 2005-10-06 | Akira Sumino | Insurance contract accounting system |
| CN103268675A (en) * | 2013-05-07 | 2013-08-28 | 安诚财产保险股份有限公司 | Self-help vehicle-insurance selling device and working method thereof |
| CN105243592A (en) * | 2015-11-06 | 2016-01-13 | 东莞市创世纪保险代理有限公司 | Intelligent car insurance quotation and insurance system and method |
-
2016
- 2016-08-03 CN CN201610628609.2A patent/CN106296410A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20050222924A1 (en) * | 2002-05-10 | 2005-10-06 | Akira Sumino | Insurance contract accounting system |
| CN103268675A (en) * | 2013-05-07 | 2013-08-28 | 安诚财产保险股份有限公司 | Self-help vehicle-insurance selling device and working method thereof |
| CN105243592A (en) * | 2015-11-06 | 2016-01-13 | 东莞市创世纪保险代理有限公司 | Intelligent car insurance quotation and insurance system and method |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107609979A (en) * | 2017-08-16 | 2018-01-19 | 芜湖恒天易开软件科技股份有限公司 | Declaration form download system |
| WO2019037191A1 (en) * | 2017-08-24 | 2019-02-28 | 平安科技（深圳）有限公司 | Method and apparatus for counting continuous insurance acceptance years, and computer-readable storage medium |
| CN109255719A (en) * | 2018-07-17 | 2019-01-22 | 苏州车付通信息科技有限公司 | Unattended artificial intelligence is insured system and method for insuring |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170104 |