CN108038788A - Insure object price inquiry method and device, storage medium, electronic equipment - Google Patents
Insure object price inquiry method and device, storage medium, electronic equipment Download PDFInfo
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- CN108038788A CN108038788A CN201711259804.3A CN201711259804A CN108038788A CN 108038788 A CN108038788 A CN 108038788A CN 201711259804 A CN201711259804 A CN 201711259804A CN 108038788 A CN108038788 A CN 108038788A
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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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- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0281—Customer communication at a business location, e.g. providing product or service information, consulting
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Abstract
The embodiment of the present invention is insured object price inquiry method and device on one kind, belongs to technical field of data processing, this method includes：Verified according to inquiry qualification of policy information of the inquiry user in the first specified time section to the user that inquires the price；After the inquiry qualification verification of the inquiry user passes through, according to insuring, inquiry qualification of inquiry number of the object in the second specified time section to the object of insuring verifies；After the inquiry qualification verification of the object of insuring passes through, inquiry interface is called to inquire about the price of insuring of the object of insuring.System visit capacity caused by this method can inquire the price to avoid the malice of most of user is excessive and needs to obtain economic loss caused by data to insurance industry platform, alleviate the access burden of system while improve the speed that user inquires about price, improve user experience.
Description
Technical field
The present embodiments relate to technical field of data processing, in particular to one kind insure object price inquiry method, throw
Protect object inquiry device, computer-readable recording medium and electronic equipment.
Background technology
With the fast development of e-commerce, electronic insurance policy is also more and more common to be received by users.Wherein, close
It is exactly that one of which applies more universal declaration form business in the electronic insurance policy of car insurance.
The flow that the electronic insurance policy business of car insurance is general can include the following steps：First, from electronic insurance
Platform registered user；It is then filled out relevant information and submits and then obtain the annual pricing information of insuring of each car.But above-mentioned guarantor
There are following drawback for single business：On the one hand, most user is only the specific price of inquiry, and does not buy insurance, therefore
Very big access can be caused to bear to electronic insurance platform；On the other hand, since interface of inquiring the price requires to connect according to Insurance Regulatory Commission
Insurance industry platform obtains data, therefore obtains data every time and be required for paying certain expense, if most of user often into
Row malice inquiry can cause enterprise to suffer certain economic loss.
A kind of accordingly, it is desirable to provide new object price inquiry method of insuring.
It should be noted that the information in the invention of above-mentioned background section is only used for strengthening the reason to background of the invention
Solution, therefore can include not forming the information to the prior art known to persons of ordinary skill in the art.
The content of the invention
Insure object price inquiry method, object of insuring inquiry device, computer-readable it is an object of the invention to provide one kind
Storage medium and electronic equipment, and then overcome at least to a certain extent caused by the limitation of correlation technique and defect
Caused by user's malice is inquired the price the problem of economic loss.
The embodiment of the present invention provides one kind and insures object price inquiry method, including：
Verified according to inquiry qualification of policy information of the inquiry user in the first specified time section to the user that inquires the price；
After the inquiry qualification verification of the inquiry user passes through, according to inquiry of the object in the second specified time section of insuring
Inquiry qualification of the valency number to the object of insuring verifies；
After the inquiry qualification verification of the object of insuring passes through, insure valency of the inquiry interface to the object of insuring is called
Lattice are inquired about.
Alternatively, according to inquiry user the first specified time section in policy information to inquire the price user inquiry qualification into
Row verification is specially：
Whether judge the declaration form quantity inquired the price but do not struck a bargain of the inquiry user in first specified time section
Meet the first specified requirements；
Judge it is described inquiry user first specified time section in the declaration form quantity inquired the price but do not struck a bargain expire
During foot first specified requirements, the inquiry qualification verification of the inquiry user passes through.
Alternatively, the first time period and the second time period are being received including described for the inquiry user
Insure object information of insuring price queries request before period, and the second time period is longer than second time period；
First preset condition is the inquiry that the inquiry user submits in the first time period but does not strike a bargain
Declaration form quantity；The declaration form having inquired the price but do not strike a bargain of second preset condition for the inquiry user in second time period
Quantity；The corresponding declaration form quantity inquired the price but do not struck a bargain of first preset condition has been ask less than the second preset condition is corresponding
Valency but the declaration form quantity not struck a bargain.
Alternatively, the first specified time section includes first time period and second time period；Described first formulates bar
Part includes the first preset condition and the second preset condition；
Wherein, inquiry qualification of the policy information to the inquiry user according to inquiry user in the first specified time section
Verified specially：
Judge inquiry user's having inquired the price in the first time period but whether the declaration form quantity not struck a bargain meets
First preset condition；
Judging inquiry user's having inquired the price in the first time period but the declaration form quantity that does not strike a bargain meets the
During one preset condition, whether the declaration form quantity for judging inquiry user's having inquired the price in the second time period but not striking a bargain
Meet the second preset condition；
Judging inquiry user's having inquired the price in the second time period but the declaration form quantity that does not strike a bargain meets the
During two preset conditions, the inquiry qualification verification of the inquiry user passes through.
Alternatively, the object price inquiry method of insuring further includes：
Judging inquiry user's having inquired the price in the first time period but the declaration form quantity that does not strike a bargain is unsatisfactory for
During the first preset condition, the first prompt message is exported.
Alternatively, the object price inquiry method of insuring further includes：
Judging inquiry user's having inquired the price in the second time period but the declaration form quantity that does not strike a bargain is unsatisfactory for
During the second preset condition, the second prompt message is exported.
Alternatively, provided according to inquiry of inquiry number of the object in the second specified time section to the object of insuring of insuring
Lattice are verified specially：
Whether price queries number of the object in second specified time section of insuring described in judgement meets that second specifies
Condition；
Judge it is described inquiry user second specified time section in price queries number meet it is described second refer to
During fixed condition, the inquiry qualification verification of the object of insuring passes through.
Alternatively, the second specified time section includes the 3rd period and the 4th period；Described second specifies bar
Part includes the 3rd preset condition and the 4th preset condition；
Wherein, according to inquiry qualification of inquiry number of the object in the second specified time section to the object of insuring of insuring
Verified specially：
Whether inquiry number of the object within the 3rd period of insuring described in judgement meets the 3rd preset condition；
When inquiry number of the object within the 3rd period of insuring described in judgement meets three preset conditions, judge
Whether the inquiry number of the object within the 4th period of insuring meets the 4th preset condition；
It is described when inquiry number of the object within the 4th period of insuring described in judgement meets four preset conditions
Insure object inquiry qualification verification pass through.
Alternatively, the 3rd period and the 4th period insure receiving for the inquiry user including described
The information of insuring of object price queries request after period, and the 4th period be longer than the 3rd period；
3rd preset condition is the inquiry number of the object within the 3rd period of insuring；Described 4th is pre-
If condition is the inquiry number of the object within the 4th period of insuring；The corresponding inquiry time of 3rd preset condition
Number is less than the corresponding inquiry number of the 4th preset condition.
Alternatively, the object price inquiry method of insuring further includes：
It is defeated when inquiry number of the object within the 3rd period of insuring described in judgement is unsatisfactory for the first preset condition
Go out the 3rd prompt message.
Alternatively, the object price inquiry method of insuring further includes：
It is defeated when inquiry number of the object within the 4th period of insuring described in judgement is unsatisfactory for four preset conditions
Go out the 4th prompt message.
Alternatively, inquiry interface is called to inquire about specially the price of insuring of the object of insuring：
The inquiry interface is called, the price queries request of the information of insuring including the object of insuring is sent to price
Consultation platform；
Receive the premium price that the price consultation platform responds the object of insuring of the price queries request feedback
Information.
The embodiment of the present invention provide one kind insure object inquiry device, including：
User's qualification correction verification module, for being used according to policy information of the inquiry user in the first specified time section inquiry
The inquiry qualification at family is verified；
Insure object qualification correction verification module, for after the inquiry qualification verification of the inquiry user passes through, according to insuring
Inquiry qualification of inquiry number of the object in the second specified time section to the object of insuring verifies；
Insure price queries module, after the inquiry qualification verification for object of insuring described in passes through, call inquiry interface
The price of insuring of the object of insuring is inquired about.
The embodiment of the present invention provides a kind of computer-readable recording medium, is stored thereon with computer program, the calculating
Machine program realizes the object price inquiry method of insuring described in any of the above item when being executed by processor.
The embodiment of the present invention provides a kind of electronic equipment, including：
Processor；And
Memory, for storing the executable instruction of the processor；
Wherein, the processor is configured to perform insuring described in any of the above item via the executable instruction is performed
Object price inquiry method.
The embodiment of the present invention provides one kind and insures object price inquiry method, by according to inquiry user in the first specified time section
Inquiry qualification of the interior policy information to the user that inquires the price verifies；After the inquiry qualification verification of user passes through, according to insuring
Inquiry qualification of inquiry number of the object in the second specified time section to object of insuring verifies；When the inquiry for object of insuring
After qualification verification passes through, inquiry interface is called to inquire about the price of insuring for object of insuring；On the one hand, by first using inquiry
The inquiry qualification at family and the inquiry qualification for object of insuring are verified, inquiry qualification and object of insuring as inquiry user
The verification of inquiry qualification again inquires about the price for object of insuring after, can inquire the price to avoid the malice of most of user
Caused by system visit capacity it is excessive and need to insurance industry platform obtain data caused by economic loss, alleviate system
Access burden and improve the speed that user inquires about price at the same time, improve user experience；On the other hand, by setting default bar
Part, the problem of avoiding operation error during user inquires the price in first time and cannot operate again, further improves user
Experience improves the probability of transaction of declaration form at the same time.
It should be appreciated that the general description and following detailed description of the above are only exemplary and explanatory, not
Can the limitation present invention.
Brief description of the drawings
Attached drawing herein is merged in specification and forms the part of this specification, shows the implementation for meeting the present invention
Example, and for explaining the principle of the present invention together with specification.It should be evident that drawings in the following description are only the present invention
Some embodiments, for those of ordinary skill in the art, without creative efforts, can also basis
These attached drawings obtain other attached drawings.
Fig. 1 schematically shows a kind of flow chart for object price inquiry method of insuring.
Fig. 2 schematically shows a kind of policy information according to inquiry user in the first specified time section to inquiry user's
The method flow diagram that inquiry qualification is verified.
Fig. 3 schematically shows another policy information according to inquiry user in the first specified time section to the user that inquires the price
The method flow diagram that is verified of inquiry qualification.
Fig. 4 schematically shows a kind of basis inquiry number of the object in the second specified time section of insuring and insures pair to described
The method flow diagram that the inquiry qualification of elephant is verified.
Fig. 5 is schematically shown further accordance with inquiry of inquiry number of the object in the second specified time section to object of insuring of insuring
Valency qualification is verified.
Fig. 6 schematically shows a kind of method stream for calling inquiry interface to inquire about the price of insuring of the object of insuring
Cheng Tu
Fig. 7 schematically shows a kind of functional block diagram for object price inquiry method of insuring.
Fig. 8 schematically shows the flow chart of another object price inquiry method of insuring.
Fig. 9 schematically shows a kind of block diagram for object inquiry device of insuring.
Figure 10 schematically shows a kind of electronic media for being used for realization above-mentioned object price inquiry method of insuring.
Figure 11 schematically shows a kind of computer-readable recording medium for being used for realization above-mentioned object price inquiry method of insuring.
Embodiment
Example embodiment is described more fully with referring now to attached drawing.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, these embodiments are provided so that the present invention will more
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.Described feature, knot
Structure or characteristic can be incorporated in one or more embodiments in any suitable manner.In the following description, there is provided permitted
More details fully understand embodiments of the present invention so as to provide.It will be appreciated, however, by one skilled in the art that can
Omitted with putting into practice technical scheme one or more in the specific detail, or others side can be used
Method, constituent element, device, step etc..In other cases, be not shown in detail or describe known solution to avoid a presumptuous guest usurps the role of the host and
So that each aspect of the present invention thickens.
In addition, attached drawing is only the schematic illustrations of the present invention, it is not necessarily drawn to scale.Identical attached drawing mark in figure
Note represents same or similar part, thus will omit repetition thereof.Some block diagrams shown in attached drawing are work(
Can entity, not necessarily must be corresponding with physically or logically independent entity.These work(can be realized using software form
Energy entity, or these functional entitys are realized in one or more hardware modules or integrated circuit, or at heterogeneous networks and/or place
These functional entitys are realized in reason device device and/or microcontroller device.
It provide firstly one kind in this example embodiment to insure object price inquiry method, this method can run on service
Device, server cluster or Cloud Server etc.；Certainly, those skilled in the art can also run this hair in other platforms according to demand
Bright method, does not do this particular determination in the present exemplary embodiment.Refering to what is shown in Fig. 1, this is insured, object price inquiry method can be with
Comprise the following steps：
Policy information inquiry qualifications to inquire the price user of the step S110. according to inquiry user in the first specified time section
Verified.
Step S120. when it is described inquiry user inquiry qualification verification pass through after, according to insure object second specify when
Between inquiry qualification of the inquiry number to the object of insuring in section verify.
Step S130. insures inquiry qualification verification after pass through of object described in, calls inquiry interface to insure pair to described
The price of insuring of elephant is inquired about.
In above-mentioned object price inquiry method of insuring, on the one hand, pass through first the inquiry qualification to the user that inquires the price and object of insuring
Inquiry qualification verified, when inquire the price user inquiry qualification and object of insuring inquire the price qualification verification by after again
The price for object of insuring is inquired about, can to avoid the malice of most of user inquire the price caused by system visit capacity it is excessive and
Need to economic loss caused by insurance industry platform acquisition data, alleviate the access burden of system while improve user and look into
The speed of inquiry lattice, improves user experience；On the other hand, by setting preset condition, avoid user and inquire the price in first time
During operation error and the problem of cannot operate again.
In the following, detailed explanation and explanation will be carried out to above-mentioned object price inquiry method of insuring in this example embodiment.
Fig. 2 is a kind of inquiry qualification of the policy information to the user that inquires the price according to inquiry user in the first specified time section
The method flow diagram verified.Wherein：
In step S210, the declaration form inquired the price but do not strike a bargain of the user in first specified time section of inquiring the price is judged
Whether quantity meets the first specified requirements.Specifically：
Inquiry user can be determined by way of the identification information of acquisition inquiry user, wherein, which can wrap
Member the ID either email address or phone number etc. of inquiry user is included, there is no special restriction on this for this example.Determining
Inquire the price after user, inquiry but not that can be according to above-mentioned each identification information judgment inquiry user in the first specified time section
Whether the declaration form quantity of conclusion of the business meets preset condition.
In step S220, judge it is described inquiry user first specified time section in inquiry but do not strike a bargain
Declaration form quantity when meeting first specified requirements, the inquiry qualification verification of the inquiry user passes through.For example：
When inquiry user the first specified time section in the declaration form quantity inquired the price but do not struck a bargain be unsatisfactory for this first
During specified requirements, the inquiry qualification verification failure of inquiry user, at this time, inquiry user can refer to by varying it first
The mode for the declaration form quantity inquired the price but do not struck a bargain in section of fixing time meets the first specified requirements.
Fig. 3 is that another inquiry of the policy information to the user that inquires the price according to inquiry user in the first specified time section provides
The method flow diagram that lattice are verified.Wherein：First specified time section can be pre- including the first preset time period and second
If the period, the first time period and second time period are receiving the letter of insuring for including the object of insuring for inquiry user
Period before the price queries request of breath, and second time period is longer than second time period；First specified requirements can wrap
The first preset condition and the second preset condition are included, which submits for inquiry user in first time period
Inquiry but the declaration form quantity not struck a bargain；Second preset condition is inquiry user's having inquired the price in second time period but does not strike a bargain
Declaration form quantity；The corresponding declaration form quantity inquired the price but do not struck a bargain of first preset condition has been ask less than the second preset condition is corresponding
Valency but the declaration form quantity not struck a bargain.As shown in figure 3, this method may comprise steps of：
In step S310, inquiry user's having inquired the price in the first time period but the declaration form not struck a bargain are judged
Whether quantity meets the first preset condition.For example：
According to inquiry user identification information get inquiry user first time period (for example, one day or
Two days or three days, there is no special restriction on this for the embodiment of the present invention) inquired the price but do not struck a bargain declaration form quantity (inquired the price but
The vehicle number not struck a bargain) whether meeting the first preset condition, (for example, being less than 3 (platforms) or 4 (platforms), the present invention is real
Applying example, there is no special restriction on this).In addition it is also possible to judge to inquire the price user in first time period according to other conditions
Whether the declaration form quantity inquired the price but do not struck a bargain meets the first preset condition, such as can be that the first preset time period accesses system
Number etc., there is no special restriction on this for the embodiment of the present invention.
In step s 320, inquiry user's having inquired the price in the first time period but the guarantor not struck a bargain are being judged
When odd number amount meets the first preset condition, judge inquiry user's having inquired the price in the second time period but do not strike a bargain
Whether declaration form quantity meets the second preset condition.For example：
, can after the user that inquires the price meets the first preset condition in the declaration form quantity inquired the price but do not struck a bargain of first time period
With determine whether inquiry user in second time period (for example, in one month or in 40 days, the embodiment of the present invention
There is no special restriction on this) the declaration form quantity (vehicle number inquired the price but do not struck a bargain) inquired the price but do not struck a bargain whether meet
Two preset conditions (for example, being less than 5 or platform or 6 or platform, there is no special restriction on this for the embodiment of the present invention).
It should be noted that the second time period is more than the first time period, with this by Rule of judgment tighten come into
Inquiry qualification of one step to user verifies.
Further, when inquire the price user's having inquired the price in first time period but the declaration form quantity that does not strike a bargain are more than 3 times,
Inquiry user can be reminded, can specifically included：Judging the inquiry user in the first time period
When the declaration form quantity inquired the price but do not struck a bargain is unsatisfactory for the first preset condition, the first prompt message is exported.For example：
When inquiring the price the declaration form quantity having inquired the price but do not strike a bargain of the user in first time period more than 3 times, judge that inquiry is used
The declaration form quantity having inquired the price but do not strike a bargain of the family in first time period is unsatisfactory for the first preset condition, can export the first prompting
Information, the first prompt message can include：Whether you also have X platforms not carry out payment operation at vehicle of insuring today, please verify and continue
Insure other vehicles；Further, when inquiry user's having inquired the price in first time period but the declaration form quantity that does not strike a bargain is more than 2
When secondary, prompt message can also be exported, such as can be：The vehicle number that you can inquire about today can also include X platforms, please verify
Whether continue to inquire about next time etc., there is no special restriction on this for the embodiment of the present invention.
In step S330, inquiry user's having inquired the price in the second time period but the guarantor not struck a bargain are being judged
When odd number amount meets the second preset condition, the inquiry qualification verification of the inquiry user passes through.For example：
When inquiry user (has inquired the price but not in the declaration form quantity inquired the price but do not struck a bargain of second time period (in one month)
The vehicle number of conclusion of the business) when being 4 or 5 (platform), it can be determined that inquiry but do not strike a bargain guarantor of the inquiry user in second time period
Odd number amount meets the second preset condition；It is therefore contemplated that the inquiry qualification verification of inquiry user passes through.Further, pass through
On the basis of judging that inquiry but do not strike a bargain declaration form quantity of the inquiry user in first time period meet the first preset condition,
Whether the second preset condition carries out is met to inquiry user's having inquired the price in second time period but the declaration form quantity that does not strike a bargain again
Judge, the malice inquiry user of a part can be excluded, alleviate the burden of system.
Further, when inquire the price user's having inquired the price in second time period but the declaration form quantity that does not strike a bargain are more than 5 times,
Inquiry user can be reminded, can specifically included：Judging the inquiry user in the second time period
When the declaration form quantity inquired the price but do not struck a bargain is unsatisfactory for the second preset condition, the second prompt message is exported.For example：
When inquiring the price the declaration form quantity having inquired the price but do not strike a bargain of the user in second time period more than 5 times, judge that inquiry is used
The declaration form quantity having inquired the price but do not strike a bargain of the family in second time period is unsatisfactory for the second preset condition, can export the second prompting
Information, the second prompt message can include：Whether you also have X platforms not carry out payment operation at vehicle of insuring recently, please verify and continue
Insure other vehicles；Further, when inquiry user's having inquired the price in second time period but the declaration form quantity that does not strike a bargain is more than 4
When secondary, prompt message can also be exported, such as can be：The vehicle number that you can inquire about recently can also include X platforms, please verify
Whether continue to inquire about next time etc., there is no special restriction on this for the embodiment of the present invention.
Fig. 4 is that a kind of basis is insured inquiry number inquiry to the insure object of the object in the second specified time section
The method flow diagram that qualification is verified.Wherein：
Whether price queries number of the object in second specified time section of insuring in step S410, described in judgement
Meet the second specified requirements.Specifically：
After the inquiry qualification verification for the user that inquires the price passes through, according to corresponding same in the policy information of inquiry user's submission
Insuring object (can be according to the Vehicle Identify Number in policy information, license plate number and Motor Number to whether belonging to same object of insuring
Judged) whether the second specified requirements carries out is met to the price queries number of the object in the second specified time section of insuring
Judge.It should be added that, object of insuring can be believed before the inquiry qualification testing to user by declaration form herein
Breath is obtained or obtained after the inquiry qualification testing to user by policy information, and the present invention is implemented
There is no special restriction on this for example.
In the step s 420, judge it is described inquiry user second specified time section in price queries number expire
During the foot preset condition, the inquiry qualification verification of the object of insuring passes through.Specifically：
When the inquiry number of the object in the 3rd specified time section of insuring is unsatisfactory for the 3rd preassignment part, this is insured
The inquiry qualification verification failure of object, at this time, which can be by varying its inquiry in the 3rd specified time section
The mode of number meets the 3rd specified requirements.
Fig. 5 is another according to inquiry money of inquiry number of the object in the second specified time section to object of insuring of insuring
The method flow diagram that lattice are verified.Wherein：Second specified time section can be pre- including the 3rd preset time period and the 4th
If the period, the 3rd period and the 4th period are receiving the information of insuring including object of insuring for inquiry user
Price queries request after period, and the 4th period be longer than the 3rd period；Second specified requirements can be with
Including the 3rd preset condition and the 4th preset condition, the 3rd preset condition is inquiry of the object within the 3rd period of insuring
Number；4th preset condition is inquiry number of the object within the 4th period of insuring；The corresponding inquiry time of 3rd preset condition
Number is less than the corresponding inquiry number of the 4th preset condition.As shown in figure 5, this method may comprise steps of：
Whether inquiry number of the object within the 3rd period of insuring in step S510, described in judgement meets the 3rd
Preset condition.For example：
According to object of insuring, in the 3rd period, (for example, one day or two days or three days etc., the present invention is real
Applying example, there is no special restriction on this) in inquiry number whether meet the 3rd preset condition (for example, less than 12 times can also be 14
Secondary or 15 times, there is no special restriction on this for the embodiment of the present invention), come inquiry of the object within the 3rd period time that judge to insure
Whether number meets the first preset condition.In addition it is also possible to judge to insure object within the 3rd period according to other conditions
Inquiry number whether meet the 3rd preset condition, such as can be average time inquired the price daily etc., the embodiment of the present invention
There is no special restriction on this.
In step S520, insuring described in judgement, inquiry number of the object within the 3rd period meets that the 3rd is pre-
If whether inquiry number of the object within the 4th period of insuring during condition, described in judgement meets the 4th preset condition.Lift
For example：
When object of insuring meets three preset conditions in the inquiry number of the 3rd period；It can further judge to throw
Protect object within the 4th period (for example, in one month or 45 days or two months, the embodiment of the present invention to this not
Do specifically limited) inquiry number whether meet the 4th default price adjustment (for example, can also be 28 times or 30 times less than 24 times,
There is no special restriction on this for the embodiment of the present invention), to judge to insure, whether inquiry number of the object within the 4th period meets
4th preset condition.
It should be noted that the 4th period was more than for the 3rd period, with this by Rule of judgment tighten come into
Inquiry qualification of one step to object of insuring verifies.
Further, when inquiry number of the object within the 3rd period of insuring is more than 12 times, user can be carried out
Remind, can specifically include：Insuring described in judgement, inquiry number of the object within the 3rd period is unsatisfactory for the 3rd
During preset condition, the 3rd prompt message is exported.For example：
When same inquiry number of the object within the 3rd period of insuring is more than 12 times, judgement insures object at the 3rd
Between the number of inquiry in section be unsatisfactory for the 3rd preset condition, the 3rd prompt message can be exported, the 3rd prompt message can wrap
Include：The vehicle platform today inquiry times that you insure have reached M times, can also carry out n times inquiry；Further, when insuring
When inquiry number of the object within the 3rd period is more than 10 times, prompt message can also be exported, such as can be：What you insured
Vehicle platform today inquiry times have reached 10 times, can also carry out 2 inquiries, would you please be confirmed whether also to carry out next time
Inquiry, there is no special restriction on this for the embodiment of the present invention.
In step S530, insuring described in judgement, inquiry number of the object within the 4th period meets that the 4th is pre-
If during condition, the inquiry qualification verification of the object of insuring passes through.For example：
When insure object the 4th period (in one month) inquiry number be 22 times or 24 times when, it can be determined that insure
Inquiry number of the object within the 4th period meets the 4th preset condition；Judging inquiry of the object within the 4th period of insuring
When valency number meets four preset conditions, it can confirm that the inquiry qualification verification of the object of insuring passes through.Further, by
On the basis of inquiry number of the object within the 3rd period that judge to insure meets the 3rd preset condition, then to object of insuring the
Whether the inquiry number in four periods meets that the 4th preset condition is judged, can further exclude the use of malice inquiry
Family, further alleviates the burden of system and saves spending.
Further, when inquiry number of the object within the 4th period of insuring is more than 24 times, user can be carried out
Remind, can specifically include：Insuring described in judgement, inquiry number of the object within the 4th period is unsatisfactory for the 4th
During preset condition, the 4th prompt message is exported.For example：
When same inquiry number of the object within the 4th period of insuring is more than 24 times, judgement insures object at the 4th
Between the number of inquiry in section be unsatisfactory for the 4th preset condition, the 4th prompt message can be exported, the 4th prompt message can wrap
Include：The nearest platform inquiry times of vehicle that you insure have reached A times, can also carry out B inquiry；Further, when insuring
When inquiry number of the object within the 4th period is more than 20 times, prompt message can also be exported, such as can be：What you insured
The nearest platform inquiry times of vehicle have reached 20 times, can also carry out 4 inquiries, would you please be confirmed whether also to carry out next time
Inquiry, there is no special restriction on this for the embodiment of the present invention.
Fig. 6 is a kind of method flow diagram for calling inquiry interface to inquire about the price of insuring of the object of insuring.Its
In：
In step S610, the inquiry interface is called, by the price queries of the information of insuring including the object of insuring
Request is sent to price consultation platform.Specifically：
Refering to what is shown in Fig. 7, after the inquiry qualification verification for object of insuring passes through, called and ask using insurance service system 801
Valency interface, then sends the price queries request of the information of insuring including object of insuring to price consultation platform 702；Work as price
After consultation platform 702 receives the price queries request including the information of insuring, the premium pricing information of the object of insuring is looked into
Ask, and the premium pricing information inquired is sent to insurance service system 701.
In step S620, receive the price consultation platform and respond the described of the price queries request feedback and insure pair
The premium pricing information of elephant.Specifically：
With continued reference to shown in Fig. 7, looked into when insurance service system 701 receives price consultation platform 702 and responds above-mentioned price
After the premium pricing information for asking request feedback, then the premium pricing information sent to the client 703 of user and (such as can be
Mobile terminal etc.) so that user checks the query result, and insured according to the query result to object of insuring.
In the following, above-mentioned object price inquiry method of insuring in this example embodiment is explained with reference to specific application scenarios
And explanation.
Refering to what is shown in Fig. 8, step S801, obtains the corresponding identification information of inquiry user；
Step S802, according to identification information judgment inquiry user's having inquired the price in first time period but the guarantor not struck a bargain
Whether odd number amount meets the first preset condition (≤3)；When meeting the first preset condition, step S804 is jumped to；It is unsatisfactory for
During one preset condition, step S803 is jumped to；
Step S803, exports the first prompt message：You also have X platforms not carry out payment operation at vehicle of insuring today, please verify
Whether insure other vehicles are continued；
S804, judges whether the declaration form quantity having inquired the price but do not strike a bargain of the inquiry user in second time period meets second
Preset condition ((≤5))；When meeting the second preset condition, step S806 is jumped to；When being unsatisfactory for the second preset condition, redirect
To step S805；
Step S805, exports the second prompt message：You also have X platforms not carry out payment operation at vehicle of insuring recently, please verify
Whether insure other vehicles are continued；
Step S806, obtains the corresponding object of insuring of policy information；
Step S807, judgement insure inquiry number of the object within the 3rd period whether meet the 3rd preset condition (≤
12 times)；When meeting three preset conditions, step S809 is jumped to；When being unsatisfactory for three preset conditions, step S808 is jumped to；
Step S808, exports the 3rd prompt message：The vehicle platform today inquiry times that you insure have reached M times, also
It can carry out n times inquiry；
Step S809, judgement insure inquiry number of the object within the 4th period whether meet the 4th preset condition (≤
24 times)；When meeting four preset conditions, step S811 is jumped to；When being unsatisfactory for three preset conditions, step S810 is jumped to；
Step S810, exports the 4th prompt message：The nearest platform inquiry times of vehicle that you insure have reached A times, also
It can carry out B inquiry；
Step S811, inquires about the premium pricing information for object of insuring and feeds back to client.
The embodiment of the present invention also provide one kind insure object inquiry device.The object inquiry device refering to what is shown in Fig. 9, this is insured
It can include user's qualification correction verification module 910, insure object qualification correction verification module 920 and price queries module 930 of insuring.Its
In：
User's qualification correction verification module 910 can be used for the policy information pair in the first specified time section according to inquiry user
The inquiry qualification of inquiry user is verified.
Object qualification correction verification module 920 of insuring can be used for after the inquiry qualification verification of the inquiry user passes through, root
According to insuring, inquiry qualification of inquiry number of the object in the second specified time section to the object of insuring verifies.
Price queries module 930 of insuring can be used for insuring the inquiry qualification verification of object described in after pass through, and calls and askes
Valency interface inquires about the price of insuring of the object of insuring.
The detail of each module is in corresponding object price inquiry method of insuring in above-mentioned object inquiry device of insuring
Carry out wanting to describe in detail, therefore details are not described herein again.
It should be noted that although some modules or list of the equipment for action executing are referred in above-detailed
Member, but this division is not enforceable.In fact, according to the embodiment of the present invention, it is above-described two or more
Either the feature of unit and function can embody module in a module or unit.A conversely, above-described mould
Either the feature of unit and function can be further divided into being embodied by multiple modules or unit block.
In addition, although in the accompanying drawings with each step of particular order method during the invention has been described, still, this does not really want
These steps must be performed according to the particular order by asking or implying, or the step having to carry out shown in whole could be realized
Desired result.It is additional or alternative, it is convenient to omit multiple steps are merged into a step and performed by some steps, and/
Or a step is decomposed into execution of multiple steps etc..
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can be realized by software, can also be realized by way of software is with reference to necessary hardware.Therefore, according to the present invention
The technical solution of embodiment can be embodied in the form of software product, the software product can be stored in one it is non-volatile
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, mobile terminal or network equipment etc.) performs embodiment according to the present invention
Method.
In an exemplary embodiment of the present invention, a kind of electronic equipment that can realize the above method is additionally provided.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be implemented as following form, i.e.,：It is complete hardware embodiment, complete
The embodiment combined in terms of full Software Implementation (including firmware, microcode etc.), or hardware and software, can unite here
Referred to as " circuit ", " module " or " system ".
The electronic equipment 1000 of this embodiment according to the present invention is described referring to Figure 10.The electricity that Figure 10 is shown
Sub- equipment 1000 is only an example, should not bring any restrictions to the function and use scope of the embodiment of the present invention.
As shown in Figure 10, electronic equipment 1000 is showed in the form of universal computing device.The component of electronic equipment 1000 can
To include but not limited to：Above-mentioned at least one processing unit 1010, above-mentioned at least one storage unit 1020, connection different system
The bus 1030 of component (including storage unit 1020 and processing unit 1010).
Wherein, the storage unit has program stored therein code, and said program code can be held by the processing unit 1010
OK so that the processing unit 1010 performs various according to the present invention described in above-mentioned " illustrative methods " part of this specification
The step of illustrative embodiments.For example, the processing unit 1010 can perform step S110 as shown in fig. 1：According to
Inquiry qualification of policy information of the inquiry user in the first specified time section to the user that inquires the price verifies；S120：When described
After the inquiry qualification verification of inquiry user passes through, according to inquiry number of the object in the second specified time section of insuring to the throwing
The inquiry qualification for protecting object is verified；Step S130：After the inquiry qualification verification of the object of insuring passes through, inquiry is called
Interface inquires about the price of insuring of the object of insuring.
Storage unit 1020 can include the computer-readable recording medium of volatile memory cell form, such as Random Access Storage Unit
(RAM) 10201 and/or cache memory unit 10202, it can further include read-only memory unit (ROM) 10203.
Storage unit 1020 can also include program/utility with one group of (at least one) program module 10205
10204, such program module 10205 includes but not limited to：Operating system, one or more application program, other programs
Module and routine data, may include the realization of network environment in each or certain combination in these examples.
Bus 1030 can be the one or more in a few class bus structures of expression, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any bus structures in a variety of bus structures
Local bus.
Electronic equipment 1000 can also be with one or more external equipments 1100 (such as keyboard, sensing equipment, bluetooth equipment
Deng) communication, the equipment communication interacted with the electronic equipment 1000 can be also enabled a user to one or more, and/or with making
Obtain any equipment that the electronic equipment 1000 can communicate with one or more of the other computing device (such as router, modulation
Demodulator etc.) communication.This communication can be carried out by input/output (I/O) interface 1050.Also, electronic equipment 1000
Network adapter 1060 and one or more network (such as LAN (LAN), wide area network (WAN) and/or public affairs can also be passed through
Common network network, such as internet) communication.As shown in the figure, network adapter 1060 passes through its of bus 1030 and electronic equipment 1000
Its module communicates.It should be understood that although not shown in the drawings, can combine electronic equipment 1000 uses other hardware and/or software
Module, includes but not limited to：Microcode, device driver, redundant processing unit, external disk drive array, RAID system, magnetic
Tape drive and data backup storage system etc..
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can be realized by software, can also be realized by way of software is with reference to necessary hardware.Therefore, according to the present invention
The technical solution of embodiment can be embodied in the form of software product, the software product can be stored in one it is non-volatile
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, terminal installation or network equipment etc.) performs embodiment according to the present invention
Method.
In an exemplary embodiment of the present invention, a kind of computer-readable recording medium is additionally provided, is stored thereon with energy
Enough realize the program product of this specification above method.In some possible embodiments, various aspects of the invention may be used also
In the form of being embodied as a kind of program product, it includes program code, when described program product is run on the terminal device, institute
State program code be used for make the terminal device perform described in above-mentioned " illustrative methods " part of this specification according to this hair
The step of bright various illustrative embodiments.
With reference to shown in figure 11, the program product for being used for realization the above method according to the embodiment of the present invention is described
1110, it can use portable compact disc read only memory (CD-ROM) and including program code, and can in terminal device,
Such as run on PC.However, the program product not limited to this of the present invention, in this document, readable storage medium storing program for executing can be with
Be it is any include or the tangible medium of storage program, the program can be commanded execution system, device either device use or
It is in connection.
Described program product can use any combination of one or more computer-readable recording mediums.Computer-readable recording medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example can be but be not limited to electricity, magnetic, optical, electromagnetic, infrared ray or
System, device or the device of semiconductor, or any combination above.The more specifically example of readable storage medium storing program for executing is (non exhaustive
List) include：It is electrical connection, portable disc, hard disk, random access memory (RAM) with one or more conducting wires, read-only
Memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc read only memory
(CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
Computer-readable signal media can be including the data-signal in a base band or as carrier wave part propagation, its
In carry readable program code.The data-signal of this propagation can take various forms, include but not limited to electromagnetic signal,
Optical signal or above-mentioned any appropriate combination.Readable signal medium can also be any readable Jie beyond readable storage medium storing program for executing
Matter, which can send, propagate either transmission be used to be used by instruction execution system, device or device or and its
The program of combined use.
The program code included on computer-readable recording medium can be transmitted with any appropriate medium, including but not limited to wirelessly, be had
Line, optical cable, RF etc., or above-mentioned any appropriate combination.
It can be write with any combination of one or more programming languages for performing the program that operates of the present invention
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
Perform on computing device, partly perform on a user device, the software kit independent as one performs, is partly calculated in user
Its upper side point is performed or performed completely in remote computing device or server on a remote computing.It is remote being related to
In the situation of journey computing device, remote computing device can pass through the network of any kind, including LAN (LAN) or wide area network
(WAN), user calculating equipment is connected to, or, it may be connected to external computing device (such as utilize ISP
To pass through Internet connection).
In addition, above-mentioned attached drawing is only schematically saying for the processing included by method according to an exemplary embodiment of the present invention
It is bright, rather than limitation purpose.It can be readily appreciated that the time that above-mentioned processing shown in the drawings was not intended that or limited these processing is suitable
Sequence.In addition, being also easy to understand, these processing for example can be performed either synchronously or asynchronously in multiple modules.
Those skilled in the art will readily occur to the present invention its after considering specification and putting into practice the invention invented here
His embodiment.This application is intended to cover the present invention any variations, uses, or adaptations, these modifications, purposes or
Adaptive change follow the general principle of the present invention and including the of the invention common knowledge in the art do not invented or
Conventional techniques.Description and embodiments are considered only as exemplary, and true scope and spirit of the invention are by claim
Point out.
Claims (12)
- The object price inquiry method 1. one kind is insured, it is characterised in that including：Verified according to inquiry qualification of policy information of the inquiry user in the first specified time section to the user that inquires the price；After the inquiry qualification verification of the inquiry user passes through, according to inquiry time of the object in the second specified time section of insuring Several inquiry qualifications to the object of insuring verify；When the object of insuring inquiry qualification verification pass through after, call inquiry interface to the object of insuring insure price into Row inquiry.
- 2. object price inquiry method according to claim 1 of insuring, it is characterised in that according to inquiry user when first specifies Between inquiry qualification of the policy information to the user that inquires the price in section verified specially：Judge whether the declaration form quantity having inquired the price but do not strike a bargain of the inquiry user in first specified time section meets First specified requirements；Judge it is described inquiry user first specified time section in the declaration form quantity inquired the price but do not struck a bargain meet institute When stating the first specified requirements, the inquiry qualification verification of the inquiry user passes through.
- 3. object price inquiry method according to claim 2 of insuring, it is characterised in that first specified time section includes the One period and second time period；First specified requirements includes the first preset condition and the second preset condition；Wherein, carried out according to policy information inquiry qualification to the inquiry user of the inquiry user in the first specified time section Verification is specially：Judge inquiry user's having inquired the price in the first time period but whether the declaration form quantity not struck a bargain meets first Preset condition；It is pre- in the declaration form quantity satisfaction first for judging inquiry user's having inquired the price in the first time period but not striking a bargain If during condition, judge inquiry user's having inquired the price in the second time period but whether the declaration form quantity not struck a bargain meets Second preset condition；It is pre- in the declaration form quantity satisfaction second for judging inquiry user's having inquired the price in the second time period but not striking a bargain If during condition, the inquiry qualification verification of the inquiry user passes through.
- 4. object price inquiry method according to claim 3 of insuring, it is characterised in that the first time period and described Two periods were the inquiry user before the price queries for receiving the information of insuring including the object of insuring are asked Period, and the second time period is longer than second time period；The guarantor to have inquired the price but do not strike a bargain that first preset condition is submitted for the inquiry user in the first time period Odd number amount；The declaration form number having inquired the price but do not strike a bargain of second preset condition for the inquiry user in second time period Amount；The corresponding declaration form quantity inquired the price but do not struck a bargain of first preset condition has been inquired the price less than the second preset condition is corresponding But the declaration form quantity not struck a bargain.
- 5. object price inquiry method according to claim 3 of insuring, it is characterised in that the object price inquiry method of insuring also wraps Include：Judging inquiry user's having inquired the price in the first time period but the declaration form quantity that does not strike a bargain is unsatisfactory for first During preset condition, the first prompt message is exported.
- 6. object price inquiry method according to claim 3 of insuring, it is characterised in that the object price inquiry method of insuring also wraps Include：Judging inquiry user's having inquired the price in the second time period but the declaration form quantity that does not strike a bargain is unsatisfactory for second During preset condition, the second prompt message is exported.
- 7. object price inquiry method according to claim 1 of insuring, it is characterised in that second specified time section includes the Three periods and the 4th period；Second specified requirements includes the 3rd preset condition and the 4th preset condition；According to insuring, inquiry qualification of inquiry number of the object in the second specified time section to the object of insuring verifies Specially：Whether inquiry number of the object within the 3rd period of insuring described in judgement meets the 3rd preset condition；When inquiry number of the object within the 3rd period of insuring described in judgement meets three preset conditions, described in judgement Whether inquiry number of the object within the 4th period of insuring meets the 4th preset condition；It is described to insure when inquiry number of the object within the 4th period of insuring described in judgement meets four preset conditions The inquiry qualification verification of object passes through.
- 8. object price inquiry method according to claim 7 of insuring, it is characterised in that the 3rd period and when the 4th Between section for it is described inquiry user receive the information of insuring including the object of insuring price queries ask after time Section, and the 4th period be longer than the 3rd period；3rd preset condition is the inquiry number of the object within the 3rd period of insuring；Described 4th default article Part is the inquiry number of the object within the 4th period of insuring；The corresponding number of inquiring the price of 3rd preset condition is small In the corresponding inquiry number of the 4th preset condition.
- 9. object price inquiry method according to claim 1 of insuring, it is characterised in that call inquiry interface to insure pair to described The price of insuring of elephant is inquired about specially：The inquiry interface is called, the price queries request of the information of insuring including the object of insuring is sent to price and is seeked advice from Platform；Receive the premium pricing information that the price consultation platform responds the object of insuring of the price queries request feedback.
- The object inquiry device 10. one kind is insured, it is characterised in that including：User qualification correction verification module, for according to policy information of the inquiry user in the first specified time section to inquiry user Inquiry qualification is verified；Insure object qualification correction verification module, for after the inquiry qualification verification of the inquiry user passes through, according to object of insuring Inquiry qualification of the inquiry number to the object of insuring in the second specified time section verifies；Insure price queries module, after the inquiry qualification verification for object of insuring described in passes through, call inquiry interface to institute The price of insuring for stating object of insuring is inquired about.
- 11. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the computer program Realize that claim 1-9 any one of them is insured object price inquiry method when being executed by processor.
- 12. a kind of electronic equipment, it is characterised in that including：Processor；AndMemory, for storing the executable instruction of the processor；Wherein, the processor is configured to carry out perform claim requirement 1-9 any one of them via the execution executable instruction Insure object price inquiry method.
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| CN201711259804.3A CN108038788B (en) | 2017-12-04 | 2017-12-04 | Insurance object price inquiry method and device, storage medium and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711259804.3A CN108038788B (en) | 2017-12-04 | 2017-12-04 | Insurance object price inquiry method and device, storage medium and electronic equipment |
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| CN108038788A true CN108038788A (en) | 2018-05-15 |
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| CN108038788B (en) | 2020-07-31 |
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Address after: Floor 36, Zheshang Building, No. 718 Jianshe Avenue, Jiang'an District, Wuhan, Hubei 430019 Patentee after: TK.CN INSURANCE Co.,Ltd. Patentee after: TAIKANG INSURANCE GROUP Co.,Ltd. Address before: 156 fuxingmennei street, Xicheng District, Beijing 100031 Patentee before: TAIKANG INSURANCE GROUP Co.,Ltd. Patentee before: TK.CN INSURANCE Co.,Ltd. |
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