CN109658166A - A kind of calculation method and system with vehicle insurance premium - Google Patents
A kind of calculation method and system with vehicle insurance premium Download PDFInfo
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- CN109658166A CN109658166A CN201910163680.1A CN201910163680A CN109658166A CN 109658166 A CN109658166 A CN 109658166A CN 201910163680 A CN201910163680 A CN 201910163680A CN 109658166 A CN109658166 A CN 109658166A
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- Prior art keywords
- vehicle
- insurance
- continuation
- declaration form
- threshold value
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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
- G06Q30/0283—Price estimation or determination
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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
Abstract
It is disclosed by the invention to use vehicle Insurance cost calculation method and system, it is related to data analysis technique field, by judging whether the current speed of vehicle is greater than the threshold value of setting, the threshold value that whether distance is greater than the threshold value set and whether continuation of insurance number is less than setting judged, the statistics continuation of insurance number of vehicle declaration form, according to continuation of insurance number and preset computation rule, calculate this insurance premium for using vehicle, calculating vehicle can be actually needed according to user to insure, ensure that part has the user group Che Anquan for using overall height risk, it reduces vehicle to be in danger risk, reduces company operation cost.
Description
Technical field
The present invention relates to data analysis technique fields, and in particular to a kind of calculation method and system with vehicle insurance premium.
Background technique
At present in vehicle leasing industry with the calculation of vehicle insurance premium mainly according to automobile type configuration price after, further according to
Car kilometer and duration calculation insurance premium.
The above-mentioned general-purpose computations mode to be insured with vehicle does not pointedly calculate insurance premium for client.This insurance
The car insurance that expense is fixed every year based on company car assets, calculation is relatively single, is not actually required to use vehicle
Insurance premium cannot ensure that part exists with the user group Che Anquan of overall height risk, while increasing vehicle and being in danger risk, improve
Company operation cost.
Summary of the invention
In view of the defects existing in the prior art, the embodiment of the invention provides a kind of with vehicle Insurance cost calculation method and is
System.
In a first aspect, provided in an embodiment of the present invention use vehicle Insurance cost calculation method, this method comprises:
For continuation of insurance frequency is arranged with vehicle declaration form；
Judge whether the current speed of vehicle is greater than the threshold value of setting, if so, continued insurance in advance to be described with vehicle declaration form, if
It is no, then according to the coordinate position of the current GPS coordinate position of vehicle and this site of returning the car, calculate vehicle be presently in position with
This distance between site of returning the car；
Judge whether the distance is greater than the threshold value of setting and whether the continuation of insurance number is less than the threshold value of setting, if so,
Then according to the continuation of insurance frequency, it is continuously the vehicle declaration form continuation of insurance, if it is not, then terminating as the vehicle declaration form continuation of insurance；
It counts the continuation of insurance number with vehicle declaration form and this is calculated according to the continuation of insurance number and preset computation rule
With the insurance premium of vehicle.
Further, the continuation of insurance number with vehicle declaration form is counted, according to the continuation of insurance number and preset computation rule,
This, which is calculated, with the insurance premium of vehicle includes:
The order status of current vehicle is obtained, if the order status is not settle accounts state, according to the continuation of insurance number
And preset computation rule, this, which is calculated, with the insurance premium of vehicle and by the insurance premium is sent to user equipment.
Second aspect, provided in an embodiment of the present invention to use vehicle Insurance cost calculation system, which includes:
Setup module, for being that continuation of insurance frequency is arranged with vehicle declaration form；
Judgment module, for judging whether the current speed of vehicle is greater than the threshold value of setting, if so, being in advance the use
Vehicle declaration form continuation of insurance, if it is not, then calculating vehicle according to the coordinate position of the current GPS coordinate position of vehicle and this site of returning the car
It is presently in position and this distance between site of returning the car；
Judgment module, is also used to judge whether the distance is greater than the threshold value of setting, if so, being held according to the frequency
Continue and continued insurance to be described with vehicle declaration form, if it is not, then terminating as the vehicle declaration form continuation of insurance；
Computing module, for counting the continuation of insurance number with vehicle declaration form, according to the continuation of insurance number and preset calculating
Rule calculates this insurance premium for using vehicle.
Further, the computing module further include:
Acquiring unit, for obtaining the order status of current vehicle, if the order status is not settle accounts state, basis
The continuation of insurance number and preset computation rule calculate this with the insurance premium of vehicle and the insurance premium is sent to user sets
It is standby.
It is provided in an embodiment of the present invention to be had the advantages that with vehicle Insurance cost calculation method and system
Calculating vehicle can be actually needed according to user to insure, ensure that part has the user group vehicle of overall height risk
Safety reduces vehicle and is in danger risk, reduces company operation cost.
Detailed description of the invention
Fig. 1 is the flow diagram disclosed by the embodiments of the present invention with vehicle Insurance cost calculation method；
Fig. 2 is the structural schematic diagram disclosed by the embodiments of the present invention with vehicle Insurance cost calculation system.
Specific embodiment
Specific introduce is made to the present invention below in conjunction with the drawings and specific embodiments.
As shown in Figure 1, it is provided in an embodiment of the present invention with vehicle Insurance cost calculation method the following steps are included:
S101, for continuation of insurance frequency is arranged with vehicle declaration form.
As a specific embodiment, frequency of continuing insurance can be with are as follows: and 1 hour/time or 2 hours/inferior.
S102, judges whether the current speed of vehicle is greater than the threshold value of setting, if so, continuous with vehicle declaration form to be described in advance
It protects, if it is not, then calculating vehicle according to the coordinate position of the current GPS coordinate position of vehicle and the site of returning the car of this setting and working as
The distance between site of returning the car of preceding present position and this setting.
As a specific embodiment, if vehicle present speed is greater than 30km/h, 30 seconds in advance or 1 minute are this
It is continued insurance with vehicle declaration form.
S103 judges that vehicle is presently in whether position and the distance between site of returning the car of this setting are greater than setting
Whether threshold value and continuation of insurance number are less than the threshold value of setting, if so, be continuously and continued insurance with vehicle declaration form according to continuation of insurance frequency, if it is not,
It then terminates as being continued insurance with vehicle declaration form.
Judge that vehicle is presently in position if vehicle present speed is less than 30km/h as a specific embodiment
Whether it is greater than 5 kilometers with the distance between site of returning the car of this setting, if so, continuing according to continuation of insurance frequency to be that this uses vehicle
Declaration form continuation of insurance, if not, stopping being continued insurance for this with vehicle declaration form.
S104, the statistics continuation of insurance number of vehicle declaration form calculate this and use vehicle according to continuation of insurance number and preset computation rule
Insurance premium.
As a specific embodiment, just no longer continued insurance for this with vehicle declaration form after number of continuing insurance reaches 6 times.
Optionally, the statistics continuation of insurance number of vehicle declaration form calculates this use according to continuation of insurance number and preset computation rule
The insurance premium of vehicle includes:
The order status of current vehicle is obtained, if order status is not settle accounts state, according to continuation of insurance number and preset
Computation rule calculates this with the insurance premium of vehicle and insurance premium is sent to user equipment.
As shown in Fig. 2, provided in an embodiment of the present invention include: with vehicle Insurance cost calculation system
Setup module, for being that continuation of insurance frequency is arranged with vehicle declaration form；
Judgment module, for judging whether the current speed of vehicle is greater than the threshold value of setting, if so, being in advance the use
Vehicle declaration form continuation of insurance, if it is not, then calculating vehicle according to the coordinate position of the current GPS coordinate position of vehicle and this site of returning the car
It is presently in position and this distance between site of returning the car；
Judgment module, is also used to judge whether the distance is greater than the threshold value of setting, if so, being held according to the frequency
Continue and continued insurance to be described with vehicle declaration form, if it is not, then terminating as the vehicle declaration form continuation of insurance；
Computing module, for counting the continuation of insurance number with vehicle declaration form, according to the continuation of insurance number and preset calculating
Rule calculates this insurance premium for using vehicle.
Optionally, computing module further include:
Acquiring unit, for obtaining the order status of current vehicle, if the order status is not settle accounts state, basis
The continuation of insurance number and preset computation rule calculate this with the insurance premium of vehicle and the insurance premium is sent to user sets
It is standby.
It is provided in an embodiment of the present invention to use vehicle Insurance cost calculation method and system, by whether judging the current speed of vehicle
Greater than the threshold value of setting, judge that the threshold value that whether distance is greater than the threshold value set and whether continuation of insurance number is less than setting, statistics are used
The continuation of insurance number of vehicle declaration form calculates this insurance premium for using vehicle according to continuation of insurance number and preset computation rule, can according to
Family actual needs calculating is insured with vehicle, has ensured that part has the user group Che Anquan for using overall height risk, has reduced vehicle and go out
Dangerous risk reduces company operation cost.
It is understood that the correlated characteristic in the above method and device can be referred to mutually.In addition, in above-described embodiment
" first ", " second " etc. be and not represent the superiority and inferiority of each embodiment for distinguishing each embodiment.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
Algorithm and display are not inherently related to any particular computer, virtual system, or other device provided herein.
Various general-purpose systems can also be used together with teachings based herein.As described above, it constructs required by this kind of system
Structure be obvious.In addition, the present invention is also not directed to any particular programming language.It should be understood that can use various
Programming language realizes summary of the invention described herein, and the description done above to language-specific is to disclose this hair
Bright preferred forms.
In addition, memory may include the non-volatile memory in computer-readable medium, random access memory
(RAM) and/or the forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM), memory includes extremely
A few storage chip.
It should be understood by those skilled in the art that, embodiments herein can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the application
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the application, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The application is referring to method, the process of equipment (system) and computer program product according to the embodiment of the present application
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/
Or the forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable Jie
The example of matter.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including element
There is also other identical elements in process, method, commodity or equipment.
It will be understood by those skilled in the art that embodiments herein can provide as method, system or computer program product.
Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application
Form.It is deposited moreover, the application can be used to can be used in the computer that one or more wherein includes computer usable program code
The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
Formula.
The above is only embodiments herein, are not intended to limit this application.To those skilled in the art,
Various changes and changes are possible in this application.It is all within the spirit and principles of the present application made by any modification, equivalent replacement,
Improve etc., it should be included within the scope of the claims of this application.
It should be noted that the above embodiments do not limit the invention in any form, it is all to use equivalent replacement or equivalent change
The mode changed technical solution obtained, falls within the scope of protection of the present invention.
Claims (4)
1. a kind of use vehicle Insurance cost calculation method, it is suitable for automobile leasing industry characterized by comprising
For continuation of insurance frequency is arranged with vehicle declaration form；
Judge whether the current speed of vehicle is greater than the threshold value of setting, if so, continued insurance in advance to be described with vehicle declaration form, if it is not,
Then according to the coordinate position of the current GPS coordinate position of vehicle and this site of returning the car, calculates vehicle and be presently in position and this
Secondary the distance between site of returning the car；
Judge whether the distance is greater than the threshold value of setting and whether the continuation of insurance number is less than the threshold value of setting, if so, root
According to the continuation of insurance frequency, it is continuously the vehicle declaration form continuation of insurance, if it is not, then terminating as the vehicle declaration form continuation of insurance；
The continuation of insurance number with vehicle declaration form is counted to calculate this according to the continuation of insurance number and preset computation rule and use vehicle
Insurance premium.
2. according to claim 1 use vehicle Insurance cost calculation method, which is characterized in that the statistics continuation of insurance with vehicle declaration form
Number, according to the continuation of insurance number and preset computation rule, calculating this with the insurance premium of vehicle includes:
The order status of current vehicle is obtained, if the order status is not settle accounts state, according to the continuation of insurance number and in advance
If computation rule, calculate this with the insurance premium of vehicle and by the insurance premium and be sent to user equipment.
3. a kind of use vehicle Insurance cost calculation system, it is suitable for automobile leasing industry characterized by comprising
Setup module, for being that continuation of insurance frequency is arranged with vehicle declaration form；
Judgment module, for judging whether the current speed of vehicle is greater than the threshold value of setting, if so, being protected in advance to be described with vehicle
Single continuation of insurance, if it is not, it is current then to calculate vehicle according to the coordinate position of the current GPS coordinate position of vehicle and this site of returning the car
Present position and this distance between site of returning the car；
Judgment module, is also used to judge whether the distance is greater than the threshold value of setting, if so, being continuously according to the frequency
It is described to be continued insurance with vehicle declaration form, if it is not, then terminating as the vehicle declaration form continuation of insurance；
Computing module, for counting the continuation of insurance number with vehicle declaration form, according to the continuation of insurance number and preset computation rule,
Calculate this insurance premium for using vehicle.
4. according to claim 1 use vehicle Insurance cost calculation system, which is characterized in that the computing module further include:
Acquiring unit, for obtaining the order status of current vehicle, if the order status is not settle accounts state, according to
Continuation of insurance number and preset computation rule, calculate this with the insurance premium of vehicle and by the insurance premium and are sent to user equipment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910163680.1A CN109658166A (en) | 2019-03-05 | 2019-03-05 | A kind of calculation method and system with vehicle insurance premium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910163680.1A CN109658166A (en) | 2019-03-05 | 2019-03-05 | A kind of calculation method and system with vehicle insurance premium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109658166A true CN109658166A (en) | 2019-04-19 |
Family
ID=66123896
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910163680.1A Pending CN109658166A (en) | 2019-03-05 | 2019-03-05 | A kind of calculation method and system with vehicle insurance premium |
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| Country | Link |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105184872A (en) * | 2015-09-02 | 2015-12-23 | 郁佳敏 | Machine vision based automobile insurance electronic fee register |
| US20160086285A1 (en) * | 2007-05-10 | 2016-03-24 | Allstate Insurance Company | Road Segment Safety Rating |
| CN107133875A (en) * | 2016-02-26 | 2017-09-05 | 深圳靶向信息服务有限公司 | automobile insurance management system |
-
2019
- 2019-03-05 CN CN201910163680.1A patent/CN109658166A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20160086285A1 (en) * | 2007-05-10 | 2016-03-24 | Allstate Insurance Company | Road Segment Safety Rating |
| CN105184872A (en) * | 2015-09-02 | 2015-12-23 | 郁佳敏 | Machine vision based automobile insurance electronic fee register |
| CN107133875A (en) * | 2016-02-26 | 2017-09-05 | 深圳靶向信息服务有限公司 | automobile insurance management system |
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| PB01 | Publication | ||
| PB01 | Publication | ||
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| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190419 |
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| RJ01 | Rejection of invention patent application after publication |