CN110826732A - Method and platform for assigning maintenance delay insurance application claims - Google Patents
Method and platform for assigning maintenance delay insurance application claims Download PDFInfo
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- CN110826732A CN110826732A CN201911015640.9A CN201911015640A CN110826732A CN 110826732 A CN110826732 A CN 110826732A CN 201911015640 A CN201911015640 A CN 201911015640A CN 110826732 A CN110826732 A CN 110826732A
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- 238000012423 maintenance Methods 0.000 title claims abstract description 61
- 238000000034 method Methods 0.000 title claims abstract description 14
- 230000003111 delayed effect Effects 0.000 claims abstract description 7
- 230000008439 repair process Effects 0.000 claims description 20
- 230000005540 biological transmission Effects 0.000 claims description 3
- 230000008569 process Effects 0.000 description 3
- 230000006872 improvement Effects 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 238000013459 approach Methods 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
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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
- G06Q10/00—Administration; Management
- G06Q10/20—Administration of product repair or maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The invention provides a method and a platform for specified maintenance delayed insurance application and claim settlement. The method comprises the following steps: s1, acquiring insurance information input by a customer on a platform, and grafting insurance companies to apply insurance, wherein the insurance information comprises information of vehicles, information of vehicle owners, vehicle insurance policy photos, insurance money and a claim settlement mode; s2, after obtaining the report information of the customer, the customer is maintained according to the vehicle information of the customer or the report information; s3, acquiring a time point when the customer reports to the platform and the specified maintenance point is taken as a starting time point, acquiring a time point when the customer confirms to pick up the vehicle after the maintenance is finished as an ending time point, and calculating the amount of the claim according to the starting time point, the ending time point and the way of the claim; and S4, sending the settlement fund to the designated maintenance point, and the designated maintenance point directly settling the settlement amount to the customer, wherein the settlement amount is fully or partially assumed by the designated maintenance point.
Description
Technical Field
The invention relates to a method and a platform for assigning maintenance delayed insurance application claims.
Background
At present, the maintenance delay insurance is generally applied as follows: the cost of the automobile is caused by the stop of the automobile in the process of repairing the automobile. For example:
1. the large rental motorcade can generate rental cost in the process of maintaining the automobiles, so as to cause extra loss to renters;
2. the loss of traffic cost or car rental cost generated by a general vehicle user in the process of maintaining the vehicle;
however, the existing maintenance delay insurance only relates to the insurance company and the insurance applicant, and is easy to cause the event that the insurance applicant and the maintenance applicant (such as 4S shop and repair shop) collude to carry out the common cheating insurance.
Disclosure of Invention
The invention provides a method and a platform for assigning maintenance delayed insurance application claims, which can effectively solve the problems.
The invention is realized by the following steps:
the invention provides a method for assigning maintenance delayed insurance application claims, which comprises the following steps:
s1, acquiring insurance information input by a customer on a platform, and grafting insurance companies to apply insurance, wherein the insurance information comprises information of vehicles, information of vehicle owners, vehicle insurance policy photos, insurance money and a claim settlement mode;
s2, after obtaining the report information of the customer, the customer is maintained according to the vehicle information of the customer or the report information;
s3, acquiring a time point when the customer reports to the platform and the specified maintenance point is taken as a starting time point, acquiring a time point when the customer confirms to pick up the vehicle after the maintenance is finished as an ending time point, and calculating the amount of the claim according to the starting time point, the ending time point and the way of the claim;
and S4, sending the settlement fund to the designated maintenance point, and the designated maintenance point directly settling the settlement amount to the customer, wherein the settlement amount is fully or partially assumed by the designated maintenance point.
As a further improvement, the application information further includes a term of "a payment can be made until a maintenance is performed at a designated maintenance point".
The invention provides a designated maintenance delay insurance application platform, which comprises:
the system comprises an information acquisition unit, a platform management unit and a management unit, wherein the information acquisition unit is used for acquiring insurance information input by a customer on the platform, grafting insurance company insurance, acquiring the insurance information of the customer and further acquiring report information of the customer, sending maintenance approach prompt notification to a specified repair point of the customer according to the vehicle information of the customer or the report information, and further acquiring time point when the customer reports to the platform and the specified 4S store is taken as a starting time point, and time point when the customer confirms car taking after the maintenance is finished is taken as an ending time point, wherein the insurance information comprises vehicle information, vehicle owner information, a vehicle insurance policy photo, insurance amount and a claim settlement mode;
the claim settlement amount calculation unit is used for calculating the claim settlement amount according to the starting time point, the ending time point and the claim settlement mode;
and the information transmission unit is used for transmitting the settlement fund amount to the specified repair point, and the specified repair point directly settles the settlement amount to a customer, wherein the settlement amount is fully or partially assumed by the specified repair point.
The invention has the beneficial effects that: the settlement amount is borne by the designated repair point, so that the event that an insured party and a repair point (4S shop and repair shop) cheat the insurance together can be avoided, and in addition, the designated repair point can be prompted to repair the automobile as soon as possible on the premise of ensuring the quality, and the repair efficiency is improved. Finally, in the invention, the customer is maintained by appointing the repair point, so that the appointed repair point is drained, the profit of the appointed repair point can be improved, and the quality of the maintenance service is improved. In addition, customer and platform stickiness may also be increased.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
Fig. 1 is a flowchart of a method for assigning maintenance delayed insurance application claims according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the embodiments of the present invention will be described clearly and completely with reference to the accompanying drawings of the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention. Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.
In the description of the present invention, the terms "first" and "second" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of the present invention, "a plurality" means two or more unless specifically defined otherwise.
Referring to fig. 1, the present invention provides a method for assigning maintenance delay insurance application claims, which comprises the following steps:
s1, acquiring insurance information input by a customer on a platform, and grafting insurance companies to apply insurance, wherein the insurance information comprises information of vehicles, information of vehicle owners, vehicle insurance policy photos, insurance money and a claim settlement mode;
s2, after obtaining the report information of the customer, the customer is maintained according to the vehicle information of the customer or the report information;
s3, acquiring a time point when the customer reports to the platform and the specified maintenance point is taken as a starting time point, acquiring a time point when the customer confirms to pick up the vehicle after the maintenance is finished as an ending time point, and calculating the amount of the claim according to the starting time point, the ending time point and the way of the claim;
and S4, sending the settlement fund to the designated maintenance point, and the designated maintenance point directly settling the settlement amount to the customer, wherein the settlement amount is fully or partially assumed by the designated maintenance point.
In step S1, the client may directly enter into an insurance agreement with the insurance company, wherein the insurance information further includes a term "make a repair until a specified repair site is reached" to obtain a payment ". The designated repair point may be a designated repair point or points. Wherein the premium of the customer is collected by the insurance company.
In step S2, the step of designating a service point to the customer for maintenance based on the customer' S vehicle information or the entry information includes:
the customer may be recommended a specified repair point nearby or collaborating for maintenance based on the customer's vehicle information or the entry information.
In step S3, when the vehicle maintenance is finished, the designated maintenance point may send a "maintenance finished" request to the customer by uploading a photo; the customer can confirm by clicking the request and take the confirmed time point as the final time point.
The invention provides a designated maintenance delay insurance application platform, which comprises:
the system comprises an information acquisition unit, a platform management unit and a management unit, wherein the information acquisition unit is used for acquiring insurance information input by a customer on the platform, grafting insurance companies to apply insurance to acquire the insurance information of the customer and further acquiring report information of the customer, and performing maintenance to a specified maintenance point of the customer according to the vehicle information of the customer or the report information, and further acquiring a time point when the customer reports to the platform and transfers the specified maintenance point as a starting time point and a time point when the customer confirms to pick up the vehicle after the maintenance is finished as an ending time point, wherein the insurance information comprises information of the vehicle, information of a vehicle owner, a vehicle insurance policy photo, insurance money amount and a claim settlement mode;
the claim settlement amount calculation unit is used for calculating the claim settlement amount according to the starting time point, the ending time point and the claim settlement mode;
and the information transmission unit is used for transmitting the settlement fund amount to the specified maintenance point, and the specified maintenance point directly settles the settlement amount to a customer, wherein the settlement amount is fully or partially assumed by the specified maintenance point.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (3)
1. A method for assigning maintenance delayed insurance application claims is characterized by comprising the following steps:
s1, acquiring insurance information input by a customer on a platform, and grafting insurance companies to apply insurance, wherein the insurance information comprises information of vehicles, information of vehicle owners, vehicle insurance policy photos, insurance money and a claim settlement mode;
s2, after obtaining the report information of the customer, the customer is maintained according to the vehicle information of the customer or the report information;
s3, acquiring a time point when the customer reports to the platform and the specified maintenance point is taken as a starting time point, acquiring a time point when the customer confirms to pick up the vehicle after the maintenance is finished as an ending time point, and calculating the amount of the claim according to the starting time point, the ending time point and the way of the claim;
and S4, sending the settlement fund to the designated maintenance point, and the designated maintenance point directly settling the settlement amount to the customer, wherein the settlement amount is fully or partially assumed by the designated maintenance point.
2. The method for specified maintenance delayed insurance application claims, according to claim 1, wherein the application information further comprises terms "make a repair to a specified maintenance site and make a claim".
3. The utility model provides an appointed maintenance time delay insurance application platform which characterized in that includes:
the system comprises an information acquisition unit, a platform management unit and a management unit, wherein the information acquisition unit is used for acquiring insurance information input by a customer on the platform, grafting insurance companies to apply insurance to acquire the insurance information of the customer and further acquiring report information of the customer, and performing maintenance to a specified maintenance point of the customer according to the vehicle information of the customer or the report information, and further acquiring a time point when the customer reports to the platform and transfers the specified maintenance point as a starting time point and a time point when the customer confirms to pick up the vehicle after the maintenance is finished as an ending time point, wherein the insurance information comprises information of the vehicle, information of a vehicle owner, a vehicle insurance policy photo, insurance money amount and a claim settlement mode;
the claim settlement amount calculation unit is used for calculating the claim settlement amount according to the starting time point, the ending time point and the claim settlement mode;
and the information transmission unit is used for transmitting the settlement fund amount to the specified maintenance point, and the specified maintenance point directly settles the settlement amount to a customer, wherein the settlement amount is fully or partially assumed by the specified maintenance point.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911015640.9A CN110826732A (en) | 2019-10-24 | 2019-10-24 | Method and platform for assigning maintenance delay insurance application claims |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911015640.9A CN110826732A (en) | 2019-10-24 | 2019-10-24 | Method and platform for assigning maintenance delay insurance application claims |
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| Publication Number | Publication Date |
|---|---|
| CN110826732A true CN110826732A (en) | 2020-02-21 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201911015640.9A Pending CN110826732A (en) | 2019-10-24 | 2019-10-24 | Method and platform for assigning maintenance delay insurance application claims |
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Application publication date: 20200221 |
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