CN107067327A - A kind of car insurance charging method - Google Patents
A kind of car insurance charging method Download PDFInfo
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- CN107067327A CN107067327A CN201710232702.6A CN201710232702A CN107067327A CN 107067327 A CN107067327 A CN 107067327A CN 201710232702 A CN201710232702 A CN 201710232702A CN 107067327 A CN107067327 A CN 107067327A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The invention discloses a kind of car insurance charging method, comprise the following steps：Determine the customer information of car insurance, vehicle insurance server is logged in by network-termination device using client, obtain the essential information of vehicle insurance vehicle, vehicle insurance client carries out client login by the vehicle insurance account of above-mentioned determination, to the purchase car fare of vehicle insurance vehicle, the newness degree of vehicle, most fast travel speed and the optimal travel speed of vehicle are recorded, and data are uploaded in the vehicle insurance account of the client of vehicle insurance server, and in vehicle insurance server log traffic administration official website, the client is consulted with the presence or absence of traffic violation with whether buying similar products, and traffic violation includes traffic accident, hypervelocity and each class behavior, so as to which the preliminary vehicle insurance amount of money to vehicle insurance is determined, and there is vehicle insurance server to automatically generate vehicle insurance expense.The specification of the present invention Freight Basis of vehicle insurance, can carry out classification vehicle insurance according to the driving data of driver.
Description
Technical field
The present invention relates to vehicle insurance billing technology field, more particularly to a kind of car insurance charging method.
Background technology
Automobile, i.e., itself there is power to be driven, and be not necessary to, according to track or electric power erection, be able to the vehicle of powered travel.
In broad terms, the vehicle travelled with four-wheel, universal many referred to as automobiles.With being on the increase for automobile, and there is the frequency of accident
Rate also increases year by year, is exactly vehicle insurance industry along with being developed.
Car insurance, i.e. automobile insurance, also referred to as abbreviation vehicle insurance, car insurance.Vehicle refers to automobile, electric car, electricity
Bottle car, motorcycle, tractor, various special-purpose machinery cars, special purpose vehicle.It refers to motor vehicles due to natural calamity or unexpected thing
Therefore caused personal injury or property loss bear a kind of business insurance of liability to pay compensation.Car insurance is the one of property insurance
Kind, in property insurance field, car insurance belongs to a relatively young insurance kind, and this is due to that car insurance is accompanied by vapour
The appearance and popularization of car and produce and develop.Meanwhile, from modern motor insurance unlike, at the initial stage of car insurance
It is dangerous based on the third party liability insurance with automobile, and progressively expands to the collision loss equivalent risk of vehicle body.And do not have now
To the specific method of vehicle insurance charging, so that the ambiguity of vehicle insurance charging is caused, and present Freight Basis have ignored and occur accident
Freight Basis, being capable of specification vehicle insurance Freight Basis it is proposed to this end that a kind of car insurance charging method, additionally it is possible to promote to drive
Consciously safeguarding traffic rules of the person in driving procedure.
The content of the invention
The present invention proposes a kind of car insurance charging method, to solve the problems mentioned in the above background technology, can
Specification vehicle insurance Freight Basis, additionally it is possible to promote consciously safeguarding traffic rules of the driver in driving procedure.
The present invention proposes a kind of car insurance charging method, comprises the following steps：
S1, the customer information for determining car insurance, it is comprised the following steps that：
A1, using client vehicle insurance server logged in by network-termination device, and vehicle insurance server passes through network connection
In traffic administration official website, it has been determined that client whether there is information of vehicles either traffic law violation recording, so as to later stage charging；
After the completion of A2, login, by vehicle insurance staff by the essential information typing of purchaser, and essential information includes body
Part card number information and driver's license information, if the nonlocal registered permanent residence, then also include locality residence permit information, after the completion of typing, and
Checked again with staff by me, determine it is errorless after be uploaded to vehicle insurance server；
A3, upload after, its information is subjected to examination ＆ verification again in vehicle insurance server and determined, then by its data preparation into special
File, and automatically generate unique radio frequency bar code, permanently preserved, and make vehicle insurance account, and car
Dangerous account includes name in an account book and password, random generation, and remotely sends to the mobile terminal of client；
S2, the essential information for obtaining vehicle insurance vehicle, it is comprised the following steps that：
B1, vehicle insurance client carry out client login by the vehicle insurance account of above-mentioned determination；
After B2, login, operated by field personnel, to the purchase car fare of vehicle insurance vehicle, the newness degree of vehicle, car
Most fast travel speed recorded with optimal travel speed, and data are uploaded to the vehicle insurance of the client of vehicle insurance server
In account；
B3 and in vehicle insurance server log traffic administration official website, consults the client with the presence or absence of traffic violation
With whether buying similar products, and traffic violation includes traffic accident, hypervelocity and each class behavior；
B4, so as to being determined to the preliminary vehicle insurance amount of money of vehicle insurance；
S3, the preliminary vehicle insurance amount of money in S2 is met at into the client be determined, it is not intended to see below, proceed below step；
S4, because field personnel and client decide through consultation specific all kinds of requirements, comprise the following steps that：
C1, basic insurance and Insurance riders are decided through consultation, and whether buy Insurance riders, if purchase, and record purchase is additional
The type of insurance and the specific amount of money, and by information record, and be uploaded in client's vehicle insurance account；
C2, the traveling F-Zero for deciding through consultation vehicle owner, agreement speed limit are a grade, and opposition speed limit is a grade, and
By information record, and it is uploaded in client's vehicle insurance account；；
C3, vehicle accountability charging is decided through consultation, if as the compensation caused the accident in person with the accident caused by other people prime responsibilities
Standard is repaid, and by information record, and be uploaded in client's vehicle insurance account；
C4, the measure of indemnity for deciding through consultation the damage that vehicle natural cause is caused, and by information record, and it is uploaded to client's vehicle insurance
In account；
C5, by above-mentioned carry out global alignment, and by integrated data printing bind into book form, meet at client reviews；
After S5, the above-mentioned work of completion, resulting data are recorded, arranged, and are uploaded to vehicle insurance server
It is interior, stored, so as to transmit to traffic control center, and there is vehicle insurance server to automatically generate vehicle insurance expense, and reach this
In the account of client；
S6, after client determines, by user terminal authorization electronic signature, again simultaneously, and from the client to on-line payment
System sends the advice of payment, and on-line payment system goes to vehicle insurance expense in the account that vehicle insurance staff specifies, vehicle insurance expense
After the completion of payment, system message data storehouse sends settlement of insurance claim to user by way of believing in short message, mail or station and completed
Message, so as to complete car insurance charging.
It is preferred that, in above-mentioned, image capture module should be also provided with vehicle outside, the rail of collection vehicle traveling
Mark, after accident generation, judges the expense of later stage vehicle insurance.
The specification of the present invention Freight Basis of vehicle insurance, can carry out classification vehicle insurance, by car according to the driving data of driver
Main autonomous price, realizes the service of hommization, additionally it is possible to promote consciously safeguarding traffic rules of the driver in driving procedure,
And the traffic order indirectly safeguarded.
Embodiment
With reference to specific embodiment, the present invention will be further described.
A kind of car insurance charging method, comprises the following steps：
The present invention proposes a kind of car insurance charging method, comprises the following steps：
S1, the customer information for determining car insurance, it is comprised the following steps that：
A1, using client vehicle insurance server logged in by network-termination device, and vehicle insurance server passes through network connection
In traffic administration official website, it has been determined that client whether there is information of vehicles either traffic law violation recording, so as to later stage charging；
After the completion of A2, login, by vehicle insurance staff by the essential information typing of purchaser, and essential information includes body
Part card number information and driver's license information, if the nonlocal registered permanent residence, then also include locality residence permit information, after the completion of typing, and
Checked again with staff by me, determine it is errorless after be uploaded to vehicle insurance server；
A3, upload after, its information is subjected to examination ＆ verification again in vehicle insurance server and determined, then by its data preparation into special
File, and automatically generate unique radio frequency bar code, permanently preserved, and make vehicle insurance account, and car
Dangerous account includes name in an account book and password, random generation, and remotely sends to the mobile terminal of client；
S2, the essential information for obtaining vehicle insurance vehicle, it is comprised the following steps that：
B1, vehicle insurance client carry out client login by the vehicle insurance account of above-mentioned determination；
After B2, login, operated by field personnel, to the purchase car fare of vehicle insurance vehicle, the newness degree of vehicle, car
Most fast travel speed recorded with optimal travel speed, and data are uploaded to the vehicle insurance of the client of vehicle insurance server
In account；
B3 and in vehicle insurance server log traffic administration official website, consults the client with the presence or absence of traffic violation
With whether buying similar products, and traffic violation includes traffic accident, hypervelocity and each class behavior；
B4, so as to being determined to the preliminary vehicle insurance amount of money of vehicle insurance；
S3, the preliminary vehicle insurance amount of money in S2 is met at into the client be determined, it is not intended to see below, proceed below step；
S4, because field personnel and client decide through consultation specific all kinds of requirements, comprise the following steps that：
C1, basic insurance and Insurance riders are decided through consultation, and whether buy Insurance riders, if purchase, and record purchase is additional
The type of insurance and the specific amount of money, and by information record, and be uploaded in client's vehicle insurance account；
C2, the traveling F-Zero for deciding through consultation vehicle owner, agreement speed limit are a grade, and opposition speed limit is a grade, and
By information record, and it is uploaded in client's vehicle insurance account；；
C3, vehicle accountability charging is decided through consultation, if as the compensation caused the accident in person with the accident caused by other people prime responsibilities
Standard is repaid, and by information record, and be uploaded in client's vehicle insurance account；
C4, the measure of indemnity for deciding through consultation the damage that vehicle natural cause is caused, and by information record, and it is uploaded to client's vehicle insurance
In account；
C5, by above-mentioned carry out global alignment, and by integrated data printing bind into book form, meet at client reviews；
After S5, the above-mentioned work of completion, resulting data are recorded, arranged, and are uploaded to vehicle insurance server
It is interior, stored, so as to transmit to traffic control center, and there is vehicle insurance server to automatically generate vehicle insurance expense, and reach this
In the account of client；
S6, after client determines, by user terminal authorization electronic signature, again simultaneously, and from the client to on-line payment
System sends the advice of payment, and on-line payment system goes to vehicle insurance expense in the account that vehicle insurance staff specifies, vehicle insurance expense
After the completion of payment, system message data storehouse sends settlement of insurance claim to user by way of believing in short message, mail or station and completed
Message, so as to complete car insurance charging.
In above-mentioned, image capture module should be also provided with vehicle outside, the track of collection vehicle traveling, in accident
After generation, the expense of later stage vehicle insurance is judged.
The foregoing is only a preferred embodiment of the present invention, but protection scope of the present invention be not limited thereto,
Any one skilled in the art the invention discloses technical scope in, technique according to the invention scheme and its
Inventive concept is subject to equivalent substitution or change, should all be included within the scope of the present invention.
Claims (2)
1. a kind of car insurance charging method, it is characterised in that comprise the following steps：
S1, the customer information for determining car insurance, it is comprised the following steps that：
A1, using client by network-termination device log in vehicle insurance server, and vehicle insurance server by network connection hand over
In siphunculus reason official website, it has been determined that client whether there is information of vehicles either traffic law violation recording, so as to later stage charging；
After the completion of A2, login, by vehicle insurance staff by the essential information typing of purchaser, and essential information includes identity card
Number information and driver's license information, if the nonlocal registered permanent residence, then also include local residence permit information, after the completion of typing, and by this
People is checked again with staff, determine it is errorless after be uploaded to vehicle insurance server；
A3, upload after, its information is subjected to examination ＆ verification again in vehicle insurance server and determined, then by its data preparation into special text
Part is pressed from both sides, and automatically generates unique radio frequency bar code, is permanently preserved, and make vehicle insurance account, and vehicle insurance account
Number include name in an account book and password, random generation, and remotely send to the mobile terminal of client；
S2, the essential information for obtaining vehicle insurance vehicle, it is comprised the following steps that：
B1, vehicle insurance client carry out client login by the vehicle insurance account of above-mentioned determination；
B2, log in after, operated by field personnel, to the purchase car fare of vehicle insurance vehicle, the newness degree of vehicle, vehicle
Most fast travel speed is recorded with optimal travel speed, and data are uploaded to the vehicle insurance account of the client of vehicle insurance server
It is interior；
B3 and in vehicle insurance server log traffic administration official website, consults the client with the presence or absence of traffic violation with being
It is no to buy similar products, and traffic violation includes traffic accident, hypervelocity and each class behavior；
B4, so as to being determined to the preliminary vehicle insurance amount of money of vehicle insurance；
S3, the preliminary vehicle insurance amount of money in S2 is met at into the client be determined, it is not intended to see below, proceed below step；
S4, because field personnel and client decide through consultation specific all kinds of requirements, comprise the following steps that：
C1, basic insurance and Insurance riders are decided through consultation, and whether buy Insurance riders, if purchase, and record purchase Insurance riders
Type and the specific amount of money, and by information record, and be uploaded in client's vehicle insurance account；
C2, the traveling F-Zero for deciding through consultation vehicle owner, agreement speed limit are a grade, and opposition speed limit is a grade, and will letter
Breath record, and be uploaded in client's vehicle insurance account；；
C3, vehicle accountability charging is decided through consultation, if as the reparation mark caused the accident in person with the accident caused by other people prime responsibilities
Standard, and by information record, and be uploaded in client's vehicle insurance account；
C4, the measure of indemnity for deciding through consultation the damage that vehicle natural cause is caused, and by information record, and it is uploaded to client's vehicle insurance account
It is interior；
C5, by above-mentioned carry out global alignment, and by integrated data printing bind into book form, meet at client reviews；
After S5, the above-mentioned work of completion, resulting data are recorded, arranged, and be uploaded in vehicle insurance server, entered
Row storage, so as to transmit to traffic control center, and has vehicle insurance server to automatically generate vehicle insurance expense, and reach the client's
In account；
S6, after client determines, by user terminal authorization electronic signature, again simultaneously, and from the client to on-line payment system
The advice of payment is sent, on-line payment system goes to vehicle insurance expense in the account that vehicle insurance staff specifies, vehicle insurance reimbursement of expense
After the completion of, system message data storehouse sends that settlement of insurance claim is completed disappears by way of believing in short message, mail or station to user
Breath, so as to complete car insurance charging.
2. car insurance charging method according to claim 1, it is characterised in that in above-mentioned, should also be in vehicle outside
Image capture module is provided with, the track of collection vehicle traveling, after accident generation, judges the expense of later stage vehicle insurance.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710232702.6A CN107067327A (en) | 2017-04-11 | 2017-04-11 | A kind of car insurance charging method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710232702.6A CN107067327A (en) | 2017-04-11 | 2017-04-11 | A kind of car insurance charging method |
Publications (1)
| Publication Number | Publication Date |
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| CN107067327A true CN107067327A (en) | 2017-08-18 |
Family
ID=59602165
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710232702.6A Pending CN107067327A (en) | 2017-04-11 | 2017-04-11 | A kind of car insurance charging method |
Country Status (1)
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| CN (1) | CN107067327A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108090747A (en) * | 2018-01-25 | 2018-05-29 | 中国平安财产保险股份有限公司 | Self-service method, apparatus of validating the car, equipment and the computer storage media that vehicle insurance core is protected |
| CN108280768A (en) * | 2017-12-20 | 2018-07-13 | 平安科技（深圳）有限公司 | Electronic device, declaration form merchandiser expense statistical method and storage medium |
| CN108510400A (en) * | 2017-09-19 | 2018-09-07 | 腾讯科技（深圳）有限公司 | Automobile insurance information processing method and processing device, server and readable storage medium storing program for executing |
| CN109584092A (en) * | 2018-12-18 | 2019-04-05 | 江苏骏环昇旺科技产业股份有限公司 | A kind of illegal factor calculating system and its measuring method of fourth dimension degree |
| CN111932236A (en) * | 2020-06-28 | 2020-11-13 | 郑州威科姆科技股份有限公司 | NB-IoT-based vehicle insurance duration charging device and reliability processing method |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108510400A (en) * | 2017-09-19 | 2018-09-07 | 腾讯科技（深圳）有限公司 | Automobile insurance information processing method and processing device, server and readable storage medium storing program for executing |
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| CN108280768A (en) * | 2017-12-20 | 2018-07-13 | 平安科技（深圳）有限公司 | Electronic device, declaration form merchandiser expense statistical method and storage medium |
| CN108090747A (en) * | 2018-01-25 | 2018-05-29 | 中国平安财产保险股份有限公司 | Self-service method, apparatus of validating the car, equipment and the computer storage media that vehicle insurance core is protected |
| CN109584092A (en) * | 2018-12-18 | 2019-04-05 | 江苏骏环昇旺科技产业股份有限公司 | A kind of illegal factor calculating system and its measuring method of fourth dimension degree |
| CN111932236A (en) * | 2020-06-28 | 2020-11-13 | 郑州威科姆科技股份有限公司 | NB-IoT-based vehicle insurance duration charging device and reliability processing method |
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| PB01 | Publication | ||
| PB01 | Publication | ||
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| RJ01 | Rejection of invention patent application after publication | ||
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Application publication date: 20170818 |