CN110428279A

CN110428279A - Vehicle insurance recommended method, device, equipment and computer readable storage medium

Info

Publication number: CN110428279A
Application number: CN201910608902.6A
Authority: CN
Inventors: 谭莉
Original assignee: OneConnect Smart Technology Co Ltd
Current assignee: OneConnect Smart Technology Co Ltd
Priority date: 2019-07-05
Filing date: 2019-07-05
Publication date: 2019-11-08
Also published as: WO2021004121A1

Abstract

The present invention provides a kind of vehicle insurance recommended method, device, equipment and computer readable storage medium, it is related to data processing field, this method comprises: extracting the target vehicle mark in vehicle insurance recommendation request, the data directory being pre-created according to mark inquiry is to obtain target data address, obtain information of vehicles according to the target data address, history vehicle insurance information and history are in danger information, and the first vehicle insurance insurance kind to be recommended and insurance company to be recommended are determined according to history vehicle insurance information and information of vehicles；Information is in danger according to history vehicle insurance information, history and information of vehicles determines that the first of the first vehicle insurance insurance kind to be recommended estimates vehicle insurance expense, and the first favor information that default insurance company is directed to the first vehicle insurance insurance kind to be recommended is obtained, and estimate vehicle insurance expense and the first favor information according to first and calculate the first practical vehicle insurance expense；Taken according to the first practical vehicle insurance and insurance company to be recommended generates the first recommendation information, and pushes to corresponding user terminal.The present invention can improve the accuracy of vehicle insurance recommendation.

Description

Vehicle insurance recommended method, device, equipment and computer readable storage medium

Technical field

The present invention relates to technical field of data processing more particularly to a kind of vehicle insurance recommended method, device, equipment and computers Readable storage medium storing program for executing.

Background technique

In recent years, with the rapid development of our country's economy with the increasingly raising of living standards of the people, automobile has become very More essential trip tools of family.To reduce accident bring economic risk, people would generally buy vehicle insurance for vehicle.So And many users and which kind of vehicle insurance of the purchase is not known about, it is usually all to be bought under the distribution of business personnel, so that user Some unnecessary insurance kinds can be bought.Or, recommended by relevant software, however when being recommended by software, generally only History based on user record of insuring is recommended, and precision is poor.Therefore, there are accuracys for current vehicle insurance recommended method Poor problem.

Summary of the invention

The main purpose of the present invention is to provide a kind of vehicle insurance recommended method, device, equipment and computer-readable storage mediums Matter, it is intended to solve the problems, such as that vehicle insurance recommends accuracy poor in the prior art.

To achieve the above object, the present invention provides a kind of vehicle insurance recommended method, and the vehicle insurance recommended method includes:

When receiving vehicle insurance recommendation request, the target vehicle mark in the vehicle insurance recommendation request is extracted, and according to institute The data directory that target vehicle mark inquiry is pre-created is stated, target data address is obtained；

It is in danger letter according to information of vehicles, history vehicle insurance information and the history that the target data address obtains corresponding vehicle Breath, and according to the history vehicle insurance information and the information of vehicles by the first preset rules determine the first vehicle insurance insurance kind to be recommended and Insurance company to be recommended；

Information is in danger according to the history vehicle insurance information, the history and the information of vehicles determines that described first is to be recommended The first of vehicle insurance insurance kind estimates vehicle insurance expense；

Obtain the first favor information that default insurance company is directed to the described first vehicle insurance insurance kind to be recommended, and according to described the One estimates vehicle insurance expense and first favor information the first practical vehicle insurance expense of calculating；

Taken according to the described first practical vehicle insurance and the insurance company to be recommended generates corresponding first recommendation information, and will First recommendation information pushes to corresponding user terminal.

Optionally, the information of vehicles includes Vehicle Identify Number, vehicle manufacturer, vehicle and the purchase time limit, the history vehicle insurance letter Breath includes that history insures insurance kind and history is insured company, described to press first according to the history vehicle insurance information and the information of vehicles Preset rules determine that the step of the first vehicle insurance insurance kind to be recommended and insurance company to be recommended includes:

The estimation of the vehicle is calculated by default computation rule according to the Vehicle Identify Number, the vehicle manufacturer and the vehicle Value；

Nonessential vehicle insurance to be recommended is determined according to estimation value, the purchase time limit and the history insurance kind of insuring Insurance kind；

It is dangerous that the first vehicle insurance to be recommended is obtained according to the nonessential vehicle insurance insurance kind to be recommended and default required vehicle insurance insurance kind Kind, and the history company of insuring is determined as insurance company to be recommended.

Optionally, described that default computation rule calculating institute is pressed according to the Vehicle Identify Number, the vehicle manufacturer and the vehicle State vehicle estimation value the step of include:

Factory site and the year of manufacture out of the vehicle are determined according to the Vehicle Identify Number and the first default mapping table；

According to it is described go out factory site, the vehicle manufacturer, the vehicle and the second default mapping table obtain the vehicle Producer price；

Current year is obtained, and the factory year of the vehicle is calculated according to the current year and the year of manufacture Limit；

The estimation value of the vehicle is calculated according to the producer price, the factory time limit and default calculation formula；

Wherein, the default calculation formula are as follows:

Wherein, y is estimation value, and x is the producer price, and i is the factory time limit.

Optionally, it is described according to the history vehicle insurance information and the information of vehicles by the first preset rules determine first to Before the step of recommending vehicle insurance insurance kind and insurance company to be recommended, the method also includes:

Judge whether the vehicle is new car according to the purchase time limit；

When determining the vehicle is not new car, step is executed: according to the history vehicle insurance information and the information of vehicles The first vehicle insurance insurance kind to be recommended and insurance company to be recommended are determined by the first preset rules；

When determining the vehicle for new car, then determine that second is to be recommended by the second preset rules according to the information of vehicles Vehicle insurance insurance kind, determine the described second vehicle insurance insurance kind to be recommended according to the information of vehicles second estimate vehicle insurance expense；

The second favor information that the default insurance company is directed to the described second vehicle insurance insurance kind to be recommended is obtained, and according to institute It states second and estimates vehicle insurance expense and second favor information the second practical vehicle insurance expense of calculating；

Taken according to the described second practical vehicle insurance and generate corresponding second recommendation information, and second recommendation information is pushed To corresponding user terminal.

Optionally, the vehicle insurance recommended method further include:

Receive user insured based on the vehicle insurance that first recommendation information triggers request when, insured according to the vehicle insurance It requests to determine that first object insurance company and first object are insured insurance kind, and is thrown according to first object insurance company and first object Insurance kind is insured.

Optionally, the vehicle insurance recommended method further include:

The vehicle insurance expired remaining time of the vehicle is periodically obtained, and detects whether the vehicle insurance expired remaining time is less than Preset time threshold；

When detecting that vehicle insurance expired remaining time is less than preset time threshold, whether detection automatic insurance application function is opened It opens；

If automatic insurance application function has been turned on, the second target insurance company and are determined according to first recommendation information Two targets are insured insurance kind, and are continued insurance according to the second target insurance company and the second target insurance kind of insuring；

If automatic insurance application function is not gated on, corresponding prompt information is generated, and is sent to the user terminal, to mention Show that user continues insurance.

Optionally, the vehicle insurance recommended method further include:

When receiving data access instruction, creation data directory is instructed according to the data access, and to the data The attribute of index is configured；

Data source address is obtained, and far call is established with target data source according to the data source address and is connect, from institute It states target data source and imports data information corresponding with the data directory.

In addition, to achieve the above object, the present invention also provides a kind of vehicle insurance recommendation apparatus, the vehicle insurance recommendation apparatus packet It includes:

Address acquisition module, for when receiving vehicle insurance recommendation request, extracting the target in the vehicle insurance recommendation request Vehicles identifications, and the data directory being pre-created according to target vehicle mark inquiry, obtain target data address；

Information determination module, for obtaining information of vehicles, the history vehicle insurance of corresponding vehicle according to the target data address Information and history are in danger information, and determine first by the first preset rules according to the history vehicle insurance information and the information of vehicles Vehicle insurance insurance kind to be recommended and insurance company to be recommended；

First computing module, for being in danger information and the information of vehicles according to the history vehicle insurance information, the history Determine that the first of the described first vehicle insurance insurance kind to be recommended estimates vehicle insurance expense；

Second computing module, for obtaining default insurance company for the first preferential of the described first vehicle insurance insurance kind to be recommended Information, and vehicle insurance expense and first favor information the first practical vehicle insurance expense of calculating are estimated according to described first；

First pushing module, it is corresponding with insurance company's generation to be recommended for being taken according to the described first practical vehicle insurance First recommendation information, and first recommendation information is pushed into corresponding user terminal.

In addition, to achieve the above object, the present invention also provides a kind of vehicle insurance recommendation apparatus, the vehicle insurance recommendation apparatus includes Memory, processor and it is stored in the vehicle insurance recommended program that can be executed on the memory and by the processor, wherein institute When stating vehicle insurance recommended program and being executed by the processor, the step of realizing vehicle insurance recommended method as described above.

In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium Vehicle insurance recommended program is stored on storage medium, wherein realizing as described above when the vehicle insurance recommended program is executed by processor Vehicle insurance recommended method the step of.

The present invention provides a kind of vehicle insurance recommended method, device, equipment and computer readable storage medium, by receiving When vehicle insurance recommendation request, the target vehicle mark in vehicle insurance recommendation request is extracted, and according to the preparatory wound of target vehicle mark inquiry The data directory built obtains target data address；Information of vehicles, the history vehicle insurance of corresponding vehicle are obtained according to target data address Information and history are in danger information, and determine the first vehicle to be recommended by the first preset rules according to history vehicle insurance information and information of vehicles Insurance kind and insurance company to be recommended；Information is in danger according to history vehicle insurance information, history and information of vehicles determines that first is to be recommended The first of vehicle insurance insurance kind estimates vehicle insurance expense；Obtain the first preferential letter that default insurance company is directed to the first vehicle insurance insurance kind to be recommended Breath, and vehicle insurance expense and the first favor information the first practical vehicle insurance expense of calculating are estimated according to first；Taken according to the first practical vehicle insurance and Insurance company to be recommended generates corresponding first recommendation information, and the first recommendation information is pushed to corresponding user terminal.This Invention can be in danger according to information of vehicles, history vehicle insurance information, history information and each company multiple dimensions such as favor information letter Breath carrys out intelligent recommendation vehicle insurance, and avoidable user is pushed the unnecessary insurance kind of purchase, and compares and select without user oneself, So as to promote user experience, while vehicle insurance can be promoted and recommend accuracy.

Detailed description of the invention

Fig. 1 is the device structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；

Fig. 2 is the flow diagram of vehicle insurance recommended method first embodiment of the present invention；

Fig. 3 is the functional block diagram of vehicle insurance recommendation apparatus first embodiment of the present invention.

The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.

Specific embodiment

It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.

Referring to Fig.1, Fig. 1 is the device structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to.

The present embodiments relate to vehicle insurance recommendation apparatus can be PC (personal computer, personal computer), The terminal devices such as laptop, server.

As shown in Figure 1, the vehicle insurance recommendation apparatus may include: processor 1001, such as CPU (Central Processing Unit, central processing unit), communication bus 1002, user interface 1003, network interface 1004, memory 1005.Wherein, communication bus 1002 is for realizing the connection communication between these components；User interface 1003 may include display Shield (Display), input unit such as keyboard (Keyboard), optional user interface 1003 can also include that the wired of standard connects Mouth, wireless interface.Network interface 1004 optionally may include standard wireline interface and wireless interface (such as Wireless Fidelity Wireless-Fidelity, Wi-Fi interface)；Memory 1005 can be high-speed random access memory (random access Memory, RAM), it is also possible to stable memory (non-volatile memory), such as magnetic disk storage, memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.It will be understood by those skilled in the art that in Fig. 1 The vehicle insurance recommendation apparatus structure shown does not constitute the restriction to vehicle insurance recommendation apparatus, may include more more or fewer than illustrating Component perhaps combines certain components or different component layouts.

With continued reference to Fig. 1, in Fig. 1 as may include in a kind of memory 1005 of computer storage medium operation system System, network communication module and vehicle insurance recommended program.In Fig. 1, network communication module can be used for connecting server, with server Carry out data communication；And processor 1001 can be used for calling the vehicle insurance recommended program stored in memory 1005, and execute sheet The vehicle insurance recommended method that inventive embodiments provide.

Based on above-mentioned hardware configuration, each embodiment of vehicle insurance recommended method of the present invention is proposed.

The present invention provides a kind of vehicle insurance recommended method.

Referring to figure 2., Fig. 2 is the flow diagram of vehicle insurance recommended method first embodiment of the present invention.

In the present embodiment, which includes:

Step S10 extracts the target vehicle mark in the vehicle insurance recommendation request when receiving vehicle insurance recommendation request, And the data directory being pre-created according to target vehicle mark inquiry, obtain target data address；

Before above-mentioned steps S10, the vehicle recommended method further include:

In the present embodiment, which is realized by vehicle insurance recommendation apparatus, the vehicle insurance recommendation apparatus can be PC, The equipment such as laptop, server, for convenience of description, the vehicle insurance recommendation apparatus are illustrated by taking server as an example.

To be in danger information convenient for subsequent query information of vehicles, history vehicle insurance information and history, a data directory can be constructed, with Realize quick search.Specifically, administrative staff can log in corresponding software or application program by PC or other management ends, and Data access option is selected in relevant configuration interface, it can trigger data incoming instruction.At this point, server is receiving the number When according to incoming instruction, the data source that will be accessed according to data access instruction creates data directory.

Wherein, the data directory structure in the present embodiment can be index data table (index), which can be with Including contents such as field name, field types；Field name can be regarded as the data of every row (or each column) of index data table The meaning of (value)；Field type is the type of the data of the row (or column), including integer int, long long, character string String etc..In addition to the above, index data table can also include other contents, such as storage original value, multivalue option, Default value etc..In several row (column) of tables of data, it is also necessary to determine a certain target row (column) as major key, which is rope The unique foundation for drawing every data can be using the row (column) corresponding to license plate number as major key in this present embodiment.Administrator Member is after the data input for carrying out data directory, and server is by according to the corresponding data directory of the content creating of typing, while root It is that data directory opens up corresponding memory space according to the association attributes of the typing information configuration data directory, and according to the attribute.

When creating corresponding data directory, the registration of data source will be carried out, as the data directory imports corresponding Data source.Specifically, administrative staff need the configuration interface input data source address in data directory.Server can then obtain this Data source address, and corresponding target data source is found according to the data source address；Then it is obtained from the target data source Initial data is directed into corresponding memory space to data information, and according to data directory.Wherein, which can be with It is in danger the data source address of information including information of vehicles, history vehicle insurance information and history.

Server extracts the target vehicle mark in the vehicle insurance recommendation request, then when receiving vehicle insurance recommendation request According to the data directory that target vehicle mark inquiry is pre-created, to obtain target data address, specifically, according to target carriage Mark searches matched field object in the data directory being pre-created, and stores ground according to the value of matched field object Location obtains target data address.Wherein, the triggering mode of vehicle insurance recommendation request can include but is not limited to: 1) user passes through user Terminal logs in corresponding APP (Application, application program), selects vehicle insurance recommendations, terminal will pop up corresponding at this time Window, so that user fills in corresponding license plate number, user can trigger the vehicle insurance recommendation request after filling in completion confirmation；2) user The corresponding license plate number of typing in corresponding APP, server can inquire the history insurance letter of the vehicle according to license plate number Then breath obtains vehicle insurance expired remaining time according to history insurance information, small when the vehicle insurance for detecting vehicle expired remaining time When preset time threshold, that is, detect that the vehicle insurance of vehicle, can automatic trigger vehicle insurance recommendation request when the phase.

Step S20 obtains information of vehicles, history vehicle insurance information and the history of corresponding vehicle according to the target data address It is in danger information, and the first vehicle insurance to be recommended is determined by the first preset rules according to the history vehicle insurance information and the information of vehicles Insurance kind and insurance company to be recommended；

After obtaining target data address, information of vehicles, the history vehicle of corresponding vehicle are obtained according to target data address Dangerous information and history are in danger information, and determine that first is to be recommended by the first preset rules according to history vehicle insurance information and information of vehicles Vehicle insurance insurance kind and insurance company to be recommended.Wherein, information of vehicles includes Vehicle Identify Number, vehicle manufacturer, vehicle and purchase time limit etc., vehicle Frame number is also known as vehicle identification number (Vehicle Identification Number, VIN), is one group by 17 English numbers Composition, one group of unique number on automobile, with representing vehicle release, the 10th coding represents the 1st coding Vehicle release time, the history vehicle insurance information include that history insures insurance kind and history is insured company, and history vehicle insurance information can be with It insures company etc. including insure insurance kind, history insured amount and history of history, history information of being in danger includes after insurance risk occurs, The information such as the type being in danger and number, step " press the first preset rules according to the history vehicle insurance information and the information of vehicles Determine the first vehicle insurance insurance kind to be recommended and insurance company to be recommended " include:

Step a1 presses default computation rule according to the Vehicle Identify Number, the vehicle manufacturer and the vehicle and calculates the vehicle Estimation value；

The estimation value that default computation rule calculates vehicle is first pressed according to Vehicle Identify Number, vehicle manufacturer and vehicle.Specifically, step Suddenly a1 includes:

Step a11 determines factory site and the factory out of the vehicle according to the Vehicle Identify Number and the first default mapping table Time；

Specifically, first determining factory site and the year of manufacture out of vehicle according to Vehicle Identify Number and the first default mapping table.Its In, with representing vehicle release, the 10th coding represents the vehicle release time to the 1st coding of Vehicle Identify Number, and the first default mapping is closed To be in table include different coding and out mapping between the mapping relations between factory site and different coding and vehicle release time are closed System can first obtain the 1st coding and the 10th coding of Vehicle Identify Number, determine vehicle then in conjunction with the first default mapping table Go out factory site and year of manufacture.Certainly, in a practical situation, the first default mapping table can be split as to 2 mappings to close It is table, respectively coding and the out mapping table between the mapping table between factory site and coding and year of manufacture.

Step a12, according to it is described go out factory site, the vehicle manufacturer, the vehicle and the second default mapping table obtain The producer price of the vehicle；

Step a13 obtains current year, and the vehicle is calculated according to the current year and the year of manufacture The factory time limit；

In the factory site out for determining vehicle and after year of manufacture, reflected according to factory site out, vehicle manufacturer, vehicle and second are default It penetrates relation table and obtains the producer price of vehicle, then, obtain current year, and vehicle is calculated according to current year and year of manufacture The factory time limit.Wherein, the second default mapping table include it is different go out factory site, vehicle manufacturer and vehicle and producer price it Between mapping relations.

Step a14 calculates the estimation valence of the vehicle according to the producer price, the factory time limit and default calculation formula Value.

The estimation value of vehicle is calculated according to producer price, the factory time limit and default calculation formula.Wherein, calculation formula is preset Are as follows:

Step a2, according to the estimation value, the purchase time limit and the history insure insurance kind determine it is to be recommended non- Required vehicle insurance insurance kind；

Be calculated estimation value after, according to estimation value, purchase the time limit and history insure insurance kind determine it is to be recommended Nonessential vehicle insurance insurance kind.Wherein, nonessential vehicle insurance insurance kind includes the independent risk of breakage of glass, vehicle theft insurance, vehicle lay-off damage Lose danger, spontaneous combustion loss danger, liability without fault danger and vehicle body scratch loss danger.Establishing rules really for nonessential vehicle insurance insurance kind then can be with Are as follows: 1) risk of breakage independent for glass and vehicle theft insurance can be worth and buy the time limit according to estimation to determine, specifically, working as Purchase time limit < 1 year, or when estimation value >=50 ten thousand, it is determined that the independent risk of breakage of glass and vehicle theft insurance are to be recommended non- Required vehicle insurance insurance kind, otherwise not recommends；2) vehicle lay-off loss danger, spontaneous combustion loss danger, liability without fault danger, vehicle body are drawn Trace loss danger can insure insurance kind and determine according to estimation value and history, specifically, when estimation value >=50 ten thousand, and according to going through History insurance kind information of insuring determines when having within 1 year some or the multiple insurances in purchase the above-mentioned type, it is determined that upper one year is purchased The insurance in the above-mentioned type bought is nonessential vehicle insurance insurance kind to be recommended, is otherwise not recommended.

Step a3, according to the nonessential vehicle insurance insurance kind to be recommended and it is default must vehicle insurance insurance kind to obtain first to be recommended Vehicle insurance insurance kind, and the history company of insuring is determined as insurance company to be recommended.

According to the nonessential vehicle insurance insurance kind to be recommended of above-mentioned determination and it is default must vehicle insurance insurance kind to obtain first to be recommended Vehicle insurance insurance kind, and the history company of insuring is determined as insurance company to be recommended.Wherein, presetting required vehicle insurance insurance kind may include friendship Strong danger, third party liability insurance, vehicle lose danger, passengers inside the car's liability insurance and disregard the contributing danger of abatement.Insurance company to be recommended It determines, can be all companies that history is insured, be also possible to history and insure upper one year or the company insured in recent years in company. Company is insured according to history to determine insurance company to be recommended, is more conform with the continuation of insurance habit of user, i.e., is differed in final premium In the case where less, 70% or more user tends to continue insurance.

It should be noted that the delimitation and nonessential vehicle insurance insurance kind of above-mentioned nonessential vehicle insurance insurance kind and required vehicle insurance insurance kind Determination recommendation rules, be not intended to limit the present invention, nonessential vehicle insurance insurance kind and required vehicle can be delimited according to the actual situation Insurance kind can also set the determination recommendation rules of nonessential vehicle insurance insurance kind according to the actual situation.

Step S30 is in danger information according to the history vehicle insurance information, the history and the information of vehicles determines described The first of one vehicle insurance insurance kind to be recommended estimates vehicle insurance expense；

Then, information is in danger according to history vehicle insurance information, history and information of vehicles determines the first vehicle insurance insurance kind to be recommended First estimates vehicle insurance expense.Specifically, first being advised according to be in danger information and information of vehicles of history vehicle insurance information, history by corresponding calculating The insurance premium for then calculating separately each first vehicle insurance insurance kind to be recommended, the insurance premium for obtaining each first vehicle insurance insurance kind to be recommended it Afterwards, it is summed up, obtain the first vehicle insurance insurance kind to be recommended first estimates vehicle insurance expense.Wherein, history vehicle insurance information is except packet It includes that history insures insurance kind and history is insured outside company, further includes history insured amount, it includes Vehicle Identify Number, carshop that information of vehicles, which removes, It can also include seating capacity, for each vehicle insurance insurance kind, the computation rule of insurance premium has outside quotient, vehicle and the purchase time limit Institute is different, and specific classification declaration is as follows: (1) compulsory insurance for traffic accident of motor-drivenvehicle, i.e. compulsory insurance for traffic accident of motor-drivenvehicle, first according to vehicle manufacturer The seating capacity that vehicle is determined with vehicle determines basic premium further according to seating capacity, the factory time limit, then according to the basic premium and Vehicle information of being in danger determines the insurance premium of compulsory insurance for traffic accident of motor-drivenvehicle.(2) third party liability insurance, third party liability insurance insurance premium was according to upper one year The insured amount of three's liability insurance determines, if had purchased third party liability insurance upper one year, insured amount and upper one year are protected It holds identical.(3) vehicle loss danger, the basic premium and producer price obtained according to above-mentioned determination (determining according to information of vehicles) into Row determines, specifically, insurance premium=basic premium+producer price × 1.0880% of vehicle loss danger.(4) passengers inside the car's responsibility Danger according to the seating capacity of vehicle and is preset single premium and is calculated, the insurance premium of passengers inside the car's liability insurance=preset single premium The seating capacity of (such as 50) * vehicle.(5) disregard the contributing danger of abatement and spontaneous combustion loss danger, insurance premium=producer price * 0.15%.(6) The independent risk of breakage of glass, according to vehicle go out factory site and producer price (factory site and producer price are determined according to information of vehicles out) come It determines, insurance premium=import new car producer price * 0.25% of the independent risk of breakage of glass, or, the insurance of the independent risk of breakage of glass Take=domestic new car producer price * 0.15%.(7) vehicle theft insurance and vehicle lay-off loss danger, insurance premium=basic premium+ Producer price × rate.(8) water inflow of the engine danger, insurance premium=basic premium+producer price of water inflow of the engine danger × 1.0880%) * 5%.(9) liability without fault danger, insurance premium=third party liability insurance insurance premium * of liability without fault danger 20%.(10) vehicle body scratch loses danger, loses the upper of danger according to estimation value (determining according to information of vehicles) and vehicle body scratch One annual insurance premium volume determines.Certainly, it should be noted that the setting of above-mentioned computation rule can be carried out according to actual conditions Setting is updated, is not intended to limit the present invention.

Step S40 obtains the first favor information that default insurance company is directed to the described first vehicle insurance insurance kind to be recommended, and root Vehicle insurance expense is estimated according to described first and first favor information calculates the first practical vehicle insurance expense；

Be calculated first estimate vehicle insurance expense after, obtain default insurance company for the first vehicle insurance insurance kind to be recommended First favor information, and vehicle insurance expense and the first favor information the first practical vehicle insurance expense of calculating are estimated according to first.Specifically, first Favor information may include discount points information and Presenting gifts information, and the calculating that vehicle insurance practical for first is taken can first basis First, which estimates vehicle insurance expense and discount points information, is calculated after folding vehicle insurance expense of estimating, and obtains gift gold according to Presenting gifts information Then volume will estimate vehicle insurance expense with the gift amount of money and carry out subtraction, obtains the first practical vehicle insurance expense after folding.

Step S50, takes according to the described first practical vehicle insurance and the insurance company to be recommended generates corresponding first and recommends Information, and first recommendation information is pushed into corresponding user terminal.

Finally, taken according to the first practical vehicle insurance and insurance company to be recommended generates corresponding first recommendation information, and by the One recommendation information pushes to corresponding user terminal.Specific recommendation rules can include but is not limited to: 1) practical according to first Vehicle insurance is taken, and insurance company and insurance company to be recommended that the first practical vehicle insurance takes minimum preset quantity (such as 3) are picked out, Then recommendation is ranked up by the size of the first practical vehicle insurance expense to above-mentioned insurance company；2) taken according to the first practical vehicle insurance, chosen The insurance company that the first practical vehicle insurance takes minimum preset quantity (such as 3) is selected, whether detection wherein has insurance to be recommended public Whether department, comprehensive first practical vehicle insurance take and are that insurance company to be recommended is ranked up recommendation.

In addition, removing in first recommendation information includes that the recommendation company chosen, the first vehicle insurance insurance kind to be recommended and first are real Outside border vehicle insurance is taken, the insurance premium and favor information of each recommendation company can also be shown, and show the calculating that the first practical vehicle insurance is taken Procedural information, so that Information Visibility, the computation rule of vehicle insurance expense is understood convenient for user, enhances the use of user simple and clearly Experience sense and the sense of security.

The present invention provides a kind of vehicle insurance recommended method, is recommended by when receiving vehicle insurance recommendation request, extracting the vehicle insurance Target vehicle mark in request, and the data directory being pre-created according to target vehicle mark inquiry, with obtaining target data Location；It is in danger information according to information of vehicles, history vehicle insurance information and the history that target data address obtains corresponding vehicle, and according to going through History vehicle insurance information and information of vehicles determine the first vehicle insurance insurance kind to be recommended and insurance company to be recommended by the first preset rules；According to History vehicle insurance information, history are in danger information and information of vehicles determines that the first of the first vehicle insurance insurance kind to be recommended estimates vehicle insurance expense；It obtains It takes default insurance company to be directed to the first favor information of the first vehicle insurance insurance kind to be recommended, and estimates vehicle insurance expense and first according to first Favor information calculates the first practical vehicle insurance and takes；Corresponding first is generated according to the first practical vehicle insurance expense and insurance company to be recommended to push away Information is recommended, and the first recommendation information is pushed into corresponding user terminal.The present invention can believe according to information of vehicles, history vehicle insurance The be in danger information of multiple dimensions such as favor information of information and each company of breath, history carrys out intelligent recommendation vehicle insurance, can avoid user's quilt It promotes and buys unnecessary insurance kind, and compare and select without user oneself, so as to promote user experience, while can be promoted Vehicle insurance recommends accuracy.

Further, the respective embodiments described above are based on, propose vehicle insurance recommended method second embodiment of the present invention.Reference Fig. 3, Fig. 3 is the flow diagram of vehicle insurance recommended method second embodiment of the present invention.

Based on above-mentioned first embodiment shown in Fig. 2, in the present embodiment, step " according to the history vehicle insurance information and The information of vehicles determines the first vehicle insurance insurance kind to be recommended and insurance company to be recommended by the first preset rules " before, the vehicle insurance Recommended method can also include:

Step A judges whether the vehicle is new car according to the purchase time limit；

Since new car is without history insurance information and history vehicle insurance information, corresponding recommendation rules be would also vary from, because This, in the present embodiment, server can first judge according to the purchase time limit in information of vehicles after getting information of vehicles Whether vehicle is new car, for example, whether the detection purchase time limit is 0.It is of course also possible to directly detect whether that history guarantor can be inquired Dangerous information and history vehicle insurance information.

When determining the vehicle is not new car, then the history vehicle insurance information and history of corresponding vehicle are inquired according to information of vehicles Be in danger information, and according to history vehicle insurance information and information of vehicles by the first preset rules determine the first vehicle insurance insurance kind to be recommended and to Recommend insurance company, and execute subsequent step, process can refer to above-mentioned first embodiment, not repeat herein.

When determining the vehicle for new car, B is thened follow the steps: according to the information of vehicles by the determination of the second preset rules Second vehicle insurance insurance kind to be recommended, determine the described second vehicle insurance insurance kind to be recommended according to the information of vehicles second estimate vehicle insurance Take；

When determining vehicle for new car, at this point, then determining the second vehicle to be recommended by the second preset rules according to information of vehicles Insurance kind, determine the second vehicle insurance insurance kind to be recommended according to information of vehicles second estimate vehicle insurance expense.Specifically, first being believed according to vehicle Vehicle Identify Number, vehicle manufacturer and vehicle in breath calculate estimation value, and specific calculation can refer to first embodiment, then root It is estimated that value and history are insured, insurance kind determines nonessential vehicle insurance insurance kind to be recommended.It is nonessential since the vehicle is new car Vehicle insurance insurance kind only include vehicle lay-off loss danger, spontaneous combustion loss danger, liability without fault danger, vehicle body scratch loss danger, it is above-mentioned it is non-must Need vehicle insurance insurance kind that can insure insurance kind according to estimation value and history and determine, specifically, when estimation value >=50 ten thousand, and according to going through History insurance kind information of insuring determines when having within 1 year some or the multiple insurances in purchase the above-mentioned type, it is determined that upper one year is purchased The insurance in the above-mentioned type bought is nonessential vehicle insurance insurance kind to be recommended, is otherwise not recommended.

In the nonessential vehicle insurance insurance kind to be recommended for determining the new car, then in conjunction with new car required vehicle insurance insurance kind (including Compulsory insurance for traffic accident of motor-drivenvehicle, third party liability insurance, vehicle loss danger, passengers inside the car's liability insurance, disregard the contributing danger of abatement, the independent risk of breakage of glass and Vehicle theft insurance) obtain the second vehicle insurance insurance kind to be recommended.Then, it is calculated separately according to information of vehicles by corresponding computation rule The insurance premium of each second vehicle insurance insurance kind to be recommended carries out it after the insurance premium for obtaining each second vehicle insurance insurance kind to be recommended Adduction, obtain the second vehicle insurance insurance kind to be recommended second estimate vehicle insurance expense.Wherein, the insurance premium of each second vehicle insurance insurance kind to be recommended Computation rule, in addition to third party liability insurance, described in the Insurance cost calculation rule of remaining insurance kind and above-mentioned first embodiment Computation rule is identical.For the third party liability insurance of new car, defaulting its insured amount is 1,000,000, and then inquires the insured amount Corresponding insurance premium, to obtain the insurance premium of third party liability insurance.

Step C obtains the second favor information that the default insurance company is directed to the described second vehicle insurance insurance kind to be recommended, and Vehicle insurance expense is estimated according to described second and second favor information calculates the second practical vehicle insurance expense；

Be calculated second estimate vehicle insurance expense after, obtain default insurance company for the second vehicle insurance insurance kind to be recommended Second favor information, and vehicle insurance expense and second favor information the second practical vehicle insurance expense of calculating are estimated according to second.Wherein, The circular that two practical vehicle insurances are taken is consistent with the calculation method of the in above-described embodiment first practical vehicle insurance expense, can refer to Above-mentioned first embodiment, does not repeat herein.

Step D takes according to the described second practical vehicle insurance and generates corresponding second recommendation information, and by second recommendation Breath pushes to corresponding user terminal.

Finally, taken according to the second practical vehicle insurance and insurance company to be recommended generates corresponding second recommendation information, and by the Two recommendation informations push to corresponding user terminal.Specific recommendation rules can be with are as follows: is taken according to the second practical vehicle insurance, is picked out Second practical vehicle insurance takes the insurance company of minimum preset quantity (such as 5), then to the above-mentioned insurance company picked out by The size of two practical vehicle insurance expenses is ranked up recommendation.

Certainly, when vehicle is new car, the information on services of default insurance company can also be obtained, information on services is commented Point, the service score value of each default insurance company is obtained, takes then in conjunction with the second practical vehicle insurance and service score value is recommended.Its In, information on services can include but is not limited to the sequence compensated and repaired, time free to time of indemnity, roadside assistance of reporting a case to the security authorities Number can be set the corresponding score value of various services, then calculate the service score value of each default insurance company.It, can root when recommending Take and service score value according to the second practical vehicle insurance, picks out the insurance public affairs that the second practical vehicle insurance takes minimum preset quantity (such as 3) The insurance company of department and the service highest preset quantity of score value (such as 3), then according to the second of the insurance company respectively picked out The sequence of practical fare danger from small to large is ranked up recommendation, when there are identical second practical fare danger, by service score value Determine its sequence.

The vehicle insurance recommended method of new car is present embodiments provided, can be believed according to favor information of information of vehicles and each company etc. Breath carrys out intelligent recommendation vehicle insurance, and avoidable user is pushed the unnecessary insurance kind of purchase, and compares and select without user oneself, So as to promote user experience.

Further, the various embodiments described above are based on, propose the 3rd embodiment of vehicle insurance recommended method of the present invention.

In the present embodiment, after the step S50 of first embodiment and second embodiment, which is also wrapped It includes:

It in the present embodiment, can be based on first recommendation after user receives the first recommendation information by user terminal The information selection company that wants to insure insures, it is, of course, also possible to the tune such as be added and deletes to vehicle insurance insurance kind to be recommended It is whole, it can trigger vehicle insurance after selection is insured and insure request, at this point, server is receiving user based on the triggering of the first recommendation information Vehicle insurance insure when requesting, insured according to vehicle insurance and request to determine that first object insurance company and first object insure insurance kind, and root It insures according to first object insurance company and first object insurance kind of insuring.The present embodiment can be straight according to recommendation information convenient for user It taps into row to insure, user experience can be promoted.

It is, of course, understood that the vehicle insurance recommended method is also wrapped after the step S90 based on above-mentioned second embodiment It includes:

Receive user insured based on the vehicle insurance that second recommendation information triggers request when, insured according to the vehicle insurance It requests to determine that third target insurance company and third target are insured insurance kind, and is thrown according to third target insurance company and third target Insurance kind is insured.

It is corresponding, when vehicle is new car, after user receives the second recommendation information by user terminal, may be based on Second recommendation information is insured, at this point, server is asked receiving user and insured based on the vehicle insurance that the second recommendation information triggers When asking, is insured according to vehicle insurance and request to determine that third target insurance company and third target are insured insurance kind, and protected according to third target Dangerous company and third target insurance kind of insuring are insured.

Further, the various embodiments described above are based on, propose the fourth embodiment of vehicle insurance recommended method of the present invention.

In the present embodiment, it is based on first embodiment shown in Fig. 2, after step S50, which is also wrapped It includes:

Step E, periodically obtains the vehicle insurance expired remaining time of the vehicle, and detects the vehicle insurance expired remaining time and be It is no to be less than preset time threshold；

In the present embodiment, server can periodically obtain the vehicle insurance expired remaining time of vehicle, and it is expired to detect the vehicle insurance Whether remaining time is less than preset time threshold.Specifically, the history vehicle insurance information of vehicle insurance can be obtained according to Vehicle Identify Number, therefrom To vehicle insurance expiration time, current time is then obtained, it is expired surplus to calculate to obtain vehicle insurance according to vehicle insurance expiration time and current time The remaining time, and then detect whether vehicle insurance expired remaining time is less than preset time threshold.Wherein, preset time threshold can be according to reality Border situation is set, and is not construed as limiting herein.

Step F, when detecting that vehicle insurance expired remaining time is less than preset time threshold, whether detection automatic insurance application function It has been turned on；

When detecting that vehicle insurance expired remaining time is less than preset time threshold, illustrates that vehicle insurance i.e. will be expired, detect at this time Whether automatic insurance application function has been turned on；

If automatic insurance application function has been turned on, G is thened follow the steps: determining that the second target is protected according to first recommendation information Dangerous company and the second target are insured insurance kind, and are continued insurance according to the second target insurance company and the second target insurance kind of insuring；

If automatic insurance application function has been turned on, at this point, according to the first recommendation information determine the second target insurance company and Second target is insured insurance kind, and is continued insurance according to the second target insurance company and the second target insurance kind of insuring.Specifically, optional It takes the insurance company to make number one in the first recommendation information and recommends vehicle insurance insurance kind, as the second target insurance company and second Target is insured insurance kind.

If automatic insurance application function is not gated on, H is thened follow the steps: generating corresponding prompt information, and be sent to the use Family terminal, to prompt user to continue insurance.

If automatic insurance application function is not gated on, corresponding prompt information is generated, and is sent to corresponding user terminal, with Prompt user continues insurance.

In the present embodiment, to avoid user from forgetting to continue insurance, automatic insurance application function can also be set, for selection by the user, when Server detects that vehicle insurance expired remaining time is less than preset time threshold, and when automatic insurance application function is turned on, server can Automatic insurance application is carried out according to the first recommendation information, pays close attention to whether vehicle insurance is expired or selected, it can be achieved that certainly without user It is dynamic to insure, promote user experience.Meanwhile preset time threshold, but automatic throwing can be less than detecting vehicle insurance expired remaining time When guarantor's function is not gated on, user is prompted to continue insurance, forgets to continue insurance to can avoid user, promote user experience.

The present invention also provides a kind of vehicle insurance recommendation apparatus.

It is the functional block diagram of vehicle insurance recommendation apparatus first embodiment of the present invention referring to Fig. 3, Fig. 3.

In the present embodiment, the vehicle insurance recommendation apparatus includes:

Address acquisition module 10, for when receiving vehicle insurance recommendation request, extracting the mesh in the vehicle insurance recommendation request Vehicles identifications, and the data directory being pre-created according to target vehicle mark inquiry are marked, target data address is obtained；

Information determination module 20, for obtaining information of vehicles, the history vehicle of corresponding vehicle according to the target data address Dangerous information and history are in danger information, and determine by the first preset rules according to the history vehicle insurance information and the information of vehicles One vehicle insurance insurance kind to be recommended and insurance company to be recommended；

First computing module 30, for being believed according to be in danger information and the vehicle of the history vehicle insurance information, the history Breath determines that the first of the first vehicle insurance insurance kind to be recommended estimates vehicle insurance expense；

Second computing module 40, for obtaining default insurance company for the first excellent of the described first vehicle insurance insurance kind to be recommended Favour information, and vehicle insurance expense and first favor information the first practical vehicle insurance expense of calculating are estimated according to described first；

First pushing module 50, it is corresponding with insurance company's generation to be recommended for being taken according to the described first practical vehicle insurance The first recommendation information, and first recommendation information is pushed into corresponding user terminal.

Wherein, each virtual functions module of above-mentioned vehicle insurance recommendation apparatus is stored in the storage of vehicle insurance recommendation apparatus shown in Fig. 1 It is functional for realizing the institute of vehicle insurance recommended program in device 1005；, it can be achieved that according to vehicle when each module is executed by processor 1001 The be in danger information such as favor information of information and each company of information, history vehicle insurance information, history carry out the function of intelligent recommendation vehicle insurance.

Further, the information of vehicles includes Vehicle Identify Number, vehicle manufacturer, vehicle and the purchase time limit, the history vehicle insurance Information includes that history insures insurance kind and history is insured company, and the information determination module 20 includes:

First computing unit, for pressing default computation rule according to the Vehicle Identify Number, the vehicle manufacturer and the vehicle Calculate the estimation value of the vehicle；

First information determination unit, for being insured insurance kind according to estimation value, the purchase time limit and the history Determine nonessential vehicle insurance insurance kind to be recommended；

Second information determination unit, for according to the nonessential vehicle insurance insurance kind to be recommended and default required vehicle insurance insurance kind The first vehicle insurance insurance kind to be recommended is obtained, and the history company of insuring is determined as insurance company to be recommended.

Further, first computing unit includes:

The first information determines subelement, for determining the vehicle according to the Vehicle Identify Number and the first default mapping table Go out factory site and year of manufacture；

Producer price computation subunit, for being reflected according to factory site, the vehicle manufacturer, the vehicle and second out are default It penetrates relation table and obtains the producer price of the vehicle；

Factory time limit computation subunit, for obtaining current year, and according to the current year and the year of manufacture The factory time limit of the vehicle is calculated；

Value calculation subelement is estimated, for calculating according to the producer price, the factory time limit and default calculation formula The estimation of the vehicle is worth；

Wherein, the default calculation formula are as follows:

Further, the vehicle insurance recommendation apparatus further include:

New car judgment module, for judging whether the vehicle is new car according to the purchase time limit；

The information determination module, specifically for executing step: according to the vehicle when determining the vehicle is not new car Information that information inquires the history vehicle insurance information of corresponding vehicle and history is in danger, and according to the history vehicle insurance information and the vehicle Information determines the first vehicle insurance insurance kind to be recommended and insurance company to be recommended by the first preset rules；

Third computing module, it is for when determining the vehicle for new car, then default by second according to the information of vehicles Rule determines the second vehicle insurance insurance kind to be recommended, determines the second pre- of the described second vehicle insurance insurance kind to be recommended according to the information of vehicles Estimate vehicle insurance expense；

4th computing module, be directed to the described second vehicle insurance insurance kind to be recommended for obtaining the default insurance company second Favor information, and vehicle insurance expense and second favor information the second practical vehicle insurance expense of calculating are estimated according to described second；

Second pushing module, for taking corresponding second recommendation information of generation according to the described second practical vehicle insurance, and by institute It states the second recommendation information and pushes to corresponding user terminal.

Further, the vehicle insurance recommendation apparatus further include:

Vehicle insurance is insured module, for being insured request based on the vehicle insurance that first recommendation information triggers receiving user When, it is insured according to the vehicle insurance and requests to determine that first object insurance company and first object are insured insurance kind, and according to first object Insurance company and first object insurance kind of insuring are insured.

Further, the vehicle insurance recommendation apparatus further include:

Time detection module, the vehicle insurance expired remaining time for periodically obtaining the vehicle, and detect the vehicle insurance mistake Whether remaining time phase is less than preset time threshold；

Function detection module, for when detecting that vehicle insurance expired remaining time is less than preset time threshold, detection to be automatic Whether function of insuring has been turned on；

Automatic reinstatement module determines according to first recommendation information if being turned on for automatic insurance application function Two target insurance companies and the second target are insured insurance kind, and are carried out according to the second target insurance company and the second target insurance kind of insuring Continuation of insurance；

Cue module of continuing insurance generates corresponding prompt information, and be sent to if being not gated on for automatic insurance application function The user terminal, to prompt user to continue insurance.

Further, the vehicle insurance recommendation apparatus further include:

Index creation module, for instructing creation data according to the data access when receiving data access instruction Index, and the attribute of the data directory is configured；

Information import modul is established for obtaining data source address, and according to the data source address and target data source Far call connection imports data information corresponding with the data directory from the target data source.

Wherein, each in the function realization and above-mentioned vehicle insurance recommended method embodiment of modules in above-mentioned vehicle insurance recommendation apparatus Step is corresponding, and function and realization process no longer repeat one by one here.

The present invention also provides a kind of vehicle insurance recommendation apparatus, which includes memory, processor and is stored in On the memory and the vehicle insurance recommended program that can run on the processor, the vehicle insurance recommended program is by the processor The step of vehicle insurance recommended method as described in any of the above item embodiment is realized when execution.

The specific embodiment of vehicle insurance recommendation apparatus of the present invention and above-mentioned each embodiment of vehicle insurance recommended method are essentially identical, herein It does not repeat.

The present invention also provides a kind of computer readable storage medium, vehicle insurance is stored on the computer readable storage medium and is pushed away Program is recommended, the vehicle insurance recommended method as described in any of the above item embodiment is realized when the vehicle insurance recommended program is executed by processor The step of.

The specific embodiment of computer readable storage medium of the present invention and the basic phase of above-mentioned each embodiment of vehicle insurance recommended method Together, therefore not to repeat here.

It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do There is also other identical elements in the process, method of element, article or system.

The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.

Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art The part contributed out can be embodied in the form of software products, which is stored in one as described above In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that an equipment (can be mobile phone, calculate Machine, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.

The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills Art field, is included within the scope of the present invention.

Claims

1. a kind of vehicle insurance recommended method, which is characterized in that the vehicle insurance recommended method the following steps are included:

When receiving vehicle insurance recommendation request, the target vehicle mark in the vehicle insurance recommendation request is extracted, and according to the mesh Mark vehicles identifications inquire the data directory being pre-created, and obtain target data address；

It is in danger information according to information of vehicles, history vehicle insurance information and the history that the target data address obtains corresponding vehicle, and By the first preset rules the first vehicle insurance insurance kind to be recommended is determined according to the history vehicle insurance information and the information of vehicles and wait push away Recommend insurance company；

Information is in danger according to the history vehicle insurance information, the history and the information of vehicles determines the described first vehicle insurance to be recommended The first of insurance kind estimates vehicle insurance expense；

The first favor information that default insurance company is directed to the described first vehicle insurance insurance kind to be recommended is obtained, and pre- according to described first Estimate vehicle insurance expense and first favor information calculates the first practical vehicle insurance expense；

Taken according to the described first practical vehicle insurance and the insurance company to be recommended generates corresponding first recommendation information, and will be described First recommendation information pushes to corresponding user terminal.

2. vehicle insurance recommended method as described in claim 1, which is characterized in that the information of vehicles includes Vehicle Identify Number, carshop Quotient, vehicle and the purchase time limit, the history vehicle insurance information includes that history insures insurance kind and history is insured company, described according to History vehicle insurance information and the information of vehicles determine that the first vehicle insurance insurance kind to be recommended and insurance to be recommended are public by the first preset rules The step of department includes:

The estimation valence of the vehicle is calculated by default computation rule according to the Vehicle Identify Number, the vehicle manufacturer and the vehicle Value；

Nonessential vehicle insurance danger to be recommended is determined according to the estimation value, the purchase time limit and the history insurance kind of insuring Kind；

According to the nonessential vehicle insurance insurance kind to be recommended and it is default must vehicle insurance insurance kind obtain the first vehicle insurance insurance kind to be recommended, and The history company of insuring is determined as insurance company to be recommended.

3. vehicle insurance recommended method as claimed in claim 2, which is characterized in that described according to the Vehicle Identify Number, the carshop The step of quotient and the vehicle are worth by the estimation that default computation rule calculates the vehicle include:

Going out for the vehicle is obtained according to factory site, the vehicle manufacturer, the vehicle and the second default mapping table out The price at factory；

Current year is obtained, and the factory time limit of the vehicle is calculated according to the current year and the year of manufacture；

Wherein, the default calculation formula are as follows:

4. vehicle insurance recommended method as claimed in claim 2, which is characterized in that described according to the history vehicle insurance information and described Before the step of information of vehicles determines the first vehicle insurance insurance kind to be recommended and insurance company to be recommended by the first preset rules, the side Method further include:

Judge whether the vehicle is new car according to the purchase time limit；

When determining the vehicle is not new car, step is executed: according to the history vehicle insurance information and the information of vehicles by the One preset rules determine the first vehicle insurance insurance kind to be recommended and insurance company to be recommended；

When determining the vehicle for new car, then the second vehicle insurance to be recommended is determined by the second preset rules according to the information of vehicles Insurance kind, determine the described second vehicle insurance insurance kind to be recommended according to the information of vehicles second estimate vehicle insurance expense；

The second favor information that the default insurance company is directed to the described second vehicle insurance insurance kind to be recommended is obtained, and according to described the Two estimate vehicle insurance expense and second favor information the second practical vehicle insurance expense of calculating；

Taken according to the described second practical vehicle insurance and generate corresponding second recommendation information, and second recommendation information is pushed to pair The user terminal answered.

5. vehicle insurance recommended method as described in claim 1, which is characterized in that the vehicle insurance recommended method further include:

Receive user insured based on the vehicle insurance that first recommendation information triggers request when, insured request according to the vehicle insurance It determines that first object insurance company and first object insure insurance kind, and is insured according to first object insurance company and first object Kind is insured.

6. vehicle insurance recommended method as described in claim 1, which is characterized in that the vehicle insurance recommended method further include:

Periodically obtain the vehicle insurance expired remaining time of the vehicle, and detect the vehicle insurance expired remaining time whether be less than it is default Time threshold；

When detecting that vehicle insurance expired remaining time is less than preset time threshold, whether detection automatic insurance application function has been turned on；

If automatic insurance application function has been turned on, the second target insurance company and the second mesh are determined according to first recommendation information Mark is insured insurance kind, and is continued insurance according to the second target insurance company and the second target insurance kind of insuring；

If automatic insurance application function is not gated on, corresponding prompt information is generated, and is sent to the user terminal, to prompt to use It continues insurance at family.

7. such as vehicle insurance recommended method described in any one of claims 1 to 6, which is characterized in that the vehicle insurance recommended method is also Include:

When receiving data access instruction, creation data directory is instructed according to the data access, and to the data directory Attribute configured；

Data source address is obtained, and far call is established with target data source according to the data source address and is connect, from the mesh It marks data source and imports data information corresponding with the data directory.

8. a kind of vehicle insurance recommendation apparatus, which is characterized in that the vehicle insurance recommendation apparatus includes:

Address acquisition module, for when receiving vehicle insurance recommendation request, extracting the target vehicle in the vehicle insurance recommendation request Mark, and the data directory being pre-created according to target vehicle mark inquiry, obtain target data address；

Information determination module, for obtaining information of vehicles, the history vehicle insurance information of corresponding vehicle according to the target data address It is in danger information with history, and is determined by the first preset rules first wait push away according to the history vehicle insurance information and the information of vehicles Recommend vehicle insurance insurance kind and insurance company to be recommended；

First computing module, for being determined according to be in danger information and the information of vehicles of the history vehicle insurance information, the history The first of the first vehicle insurance insurance kind to be recommended estimates vehicle insurance expense；

Second computing module, the first preferential letter for being directed to the described first vehicle insurance insurance kind to be recommended for obtaining default insurance company Breath, and vehicle insurance expense and first favor information the first practical vehicle insurance expense of calculating are estimated according to described first；

First pushing module generates corresponding first with the insurance company to be recommended for taking according to the described first practical vehicle insurance Recommendation information, and first recommendation information is pushed into corresponding user terminal.

9. a kind of vehicle insurance recommendation apparatus, which is characterized in that the vehicle insurance recommendation apparatus includes memory, processor and is stored in On the memory and the vehicle insurance recommended program that can be executed by the processor, wherein the vehicle insurance recommended program is by the processing When device executes, the step of realizing vehicle insurance recommended method as described in any one of claims 1 to 7.

10. a kind of computer readable storage medium, which is characterized in that be stored with vehicle insurance on the computer readable storage medium and push away Program is recommended, wherein realizing the vehicle as described in any one of claims 1 to 7 when the vehicle insurance recommended program is executed by processor The step of dangerous recommended method.