CN111047418A - Intelligent insurance application system based on user vehicle information and insurance application region - Google Patents
Intelligent insurance application system based on user vehicle information and insurance application region Download PDFInfo
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- CN111047418A CN111047418A CN201911386873.XA CN201911386873A CN111047418A CN 111047418 A CN111047418 A CN 111047418A CN 201911386873 A CN201911386873 A CN 201911386873A CN 111047418 A CN111047418 A CN 111047418A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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- G—PHYSICS
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- 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
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Abstract
The invention relates to the technical field of vehicle insurance systems, in particular to an intelligent insurance application system based on user vehicle information and insurance application regions, which comprises a vehicle information acquisition module, an insurance application database module and a vehicle insurance scheme recommendation module, wherein the vehicle information acquisition module acquires the vehicle information of related users according to the login information of the users when the users log in; the application database module acquires user vehicle information and acquires historical application data information of the user vehicle according to the user vehicle information; and the vehicle insurance scheme recommending module extracts and analyzes the vehicle insurance scheme matched with the vehicle of the user based on the historical insurance data information in the insurance database module. The invention has the beneficial effects that: the method and the system realize active recommendation of the insurance application scheme suitable for the vehicle of the customer, and greatly improve the use experience of the customer.
Description
Technical Field
The invention relates to the technical field of car insurance systems, in particular to an intelligent insurance application system based on user car information and insurance application regions.
Background
Motor vehicle insurance, i.e. automobile insurance (car insurance for short), refers to a commercial insurance for paying responsibility for personal casualties or property losses caused by natural disasters or accidents of motor vehicles.
The motor vehicle insurance, i.e. the 'vehicle insurance', is a transportation insurance taking the responsibilities of the motor vehicle and a third party thereof and the like as insurance targets.
The insurance client is mainly a legal group and individuals who own various motor vehicles; the safety mark is mainly used for various types of automobiles, but also comprises special vehicles such as electric cars, battery cars and the like, motorcycles and the like.
The conventional car insurance trading system only takes the annual insurance information on the vehicle as the annual insurance content for recommendation, or carries out recommendation according to the vehicle access position area, the user attribute and the car insurance attribute, but does not carry out car insurance configuration insurance recommendation according to the vehicle information, so that the configuration of the dangerous types of the vehicle users is unreasonable, and the popularization and the guarantee amount of an agent are influenced.
Disclosure of Invention
The invention aims to overcome the problems in the prior art and provides an intelligent insurance application system based on user vehicle information and an insurance application region, which can actively recommend insurance application schemes suitable for vehicles of customers to the customers and greatly improve the use experience of the customers.
In order to achieve the technical purpose and achieve the technical effect, the invention is realized by the following technical scheme:
an intelligent application system based on user vehicle information and application territory, comprising:
the vehicle information acquisition module acquires the vehicle information of the relevant user according to the login information of the user when the user logs in;
the system comprises an insurance application database module, a vehicle information acquisition module and a vehicle information acquisition module, wherein the insurance application database module acquires user vehicle information and acquires historical insurance application data information of a user vehicle according to the user vehicle information;
and the vehicle insurance scheme recommending module extracts and analyzes the vehicle insurance scheme matched with the vehicle of the user based on the historical insurance data information in the insurance database module.
And the risk evaluation module is used for evaluating the insurance risk of the vehicle of the user based on the historical insurance data information in the insurance database module, so that the insurance company can evaluate the insurance risk.
Further, the user vehicle information includes brand, train, model, purchase area, user risk attribute of the user vehicle.
Further, the user risk attribute includes bank credit information of the user.
Further, the vehicle insurance scheme comprises annual insurance recommendation on the same vehicle brand, annual insurance recommendation on the same vehicle family, annual insurance recommendation on the same vehicle model, historical insurance recommendation on the same vehicle brand, historical insurance recommendation on the same vehicle family and historical insurance recommendation on the same vehicle model.
The invention has the beneficial effects that: the method and the system realize active recommendation of the insurance application scheme suitable for the vehicle of the customer, and greatly improve the use experience of the customer.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic diagram of the framework structure of the present invention.
Detailed Description
In order to make the technical means, the creation characteristics, the achievement purposes and the effects of the invention easy to understand, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As shown in fig. 1, an intelligent application system based on user vehicle information and application regions includes:
the vehicle information acquisition module acquires the vehicle information of the relevant user according to the login information of the user when the user logs in;
the system comprises an insurance application database module, a vehicle information acquisition module and a vehicle information acquisition module, wherein the insurance application database module acquires user vehicle information and acquires historical insurance application data information of a user vehicle according to the user vehicle information;
and the vehicle insurance scheme recommending module extracts and analyzes the vehicle insurance scheme matched with the vehicle of the user based on the historical insurance data information in the insurance database module.
And the risk evaluation module is used for evaluating the insurance risk of the user vehicle based on the historical insurance data information in the insurance database module for the insurance company to evaluate.
The user vehicle information comprises the brand, the train series, the molding, the purchasing area and the user risk attribute of the user vehicle.
The user risk attribute includes bank credit information of the user.
The vehicle insurance scheme comprises annual insurance recommendation on the same vehicle brand, annual insurance recommendation on the same vehicle family, annual insurance recommendation on the same vehicle type, historical insurance recommendation on the same vehicle brand, historical insurance recommendation on the same vehicle family and historical insurance recommendation on the same vehicle type.
Wherein with respect to the vehicle brand: the brand of the vehicle, such as: volkswagen, Ford
Vehicle system: a vehicle under the brand flag of an automobile, such as: fox, Mondeo, etc. in the Ford brand;
vehicle type: different configurations, displacements, independent, more specific models of specific vehicle systems, such as: focus 2012 double clutch 1.6 fashion.
The working principle of the invention is as follows: an insurance company logs in vehicle user information in the system, after logging in, a vehicle information acquisition module in the system acquires historical insurance application data information of a user vehicle according to the user vehicle information, meanwhile, a vehicle insurance scheme recommendation module extracts and analyzes vehicle insurance schemes matched with the user vehicle based on the historical insurance application data information in an insurance database module, the vehicle insurance schemes comprise annual insurance application recommendations on the same vehicle brand, annual insurance application recommendations on the same vehicle department, annual insurance application recommendations on the same vehicle model, historical insurance application recommendations on the same vehicle brand, historical insurance application recommendations on the same vehicle department and historical insurance application recommendations on the same vehicle model, after the vehicle insurance schemes are formed, the insurance scheme is evaluated by a risk evaluation module in the system according to the brand, vehicle department, formation, purchasing area and user risk attributes of the user vehicle, the insurance company evaluates the insurance application scheme according to the risk evaluation module to confirm the insurance application value of the vehicle, the method achieves the purpose of actively providing a guarantee scheme for the client and improves the client experience.
The preferred embodiments of the invention disclosed above are intended to be illustrative only. The preferred embodiments are not intended to be exhaustive or to limit the invention to the precise embodiments disclosed. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the invention and the practical application, to thereby enable others skilled in the art to best utilize the invention. The invention is limited only by the claims and their full scope and equivalents.
Claims (5)
1. The utility model provides an intelligence application guarantee system based on user's vehicle information and application guarantee region which characterized in that includes:
the vehicle information acquisition module acquires the vehicle information of the relevant user according to the login information of the user when the user logs in;
the system comprises an insurance application database module, a vehicle information acquisition module and a vehicle information acquisition module, wherein the insurance application database module acquires user vehicle information and acquires historical insurance application data information of a user vehicle according to the user vehicle information;
and the vehicle insurance scheme recommending module extracts and analyzes the vehicle insurance scheme matched with the vehicle of the user based on the historical insurance data information in the insurance database module.
2. The intelligent insurance application system based on the user vehicle information and the insurance application region as claimed in claim 1, further comprising a risk assessment module, wherein the risk assessment module assesses the insurance application risk of the user vehicle based on the historical insurance application data information in the insurance application database module for the insurance company to assess.
3. The intelligent application system based on the user vehicle information and the application region as claimed in claim 1, wherein the user vehicle information comprises brand, train department, model, purchase region and user risk attribute of the user vehicle.
4. The intelligent application system based on the vehicle information and the application region of the user as claimed in claim 3, wherein the user risk attribute comprises bank credit information of the user.
5. The system of claim 1, wherein the vehicle insurance program comprises annual insurance recommendations for the same vehicle brand, annual insurance recommendations for the same vehicle department, annual insurance recommendations for the same vehicle model, historical insurance recommendations for the same vehicle brand, historical insurance recommendations for the same vehicle department, and historical insurance recommendations for the same vehicle model.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911386873.XA CN111047418A (en) | 2019-12-29 | 2019-12-29 | Intelligent insurance application system based on user vehicle information and insurance application region |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911386873.XA CN111047418A (en) | 2019-12-29 | 2019-12-29 | Intelligent insurance application system based on user vehicle information and insurance application region |
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| CN111047418A true CN111047418A (en) | 2020-04-21 |
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| CN201911386873.XA Pending CN111047418A (en) | 2019-12-29 | 2019-12-29 | Intelligent insurance application system based on user vehicle information and insurance application region |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111932384A (en) * | 2020-06-24 | 2020-11-13 | 保之家风险管理科技(北京)有限公司 | Auxiliary service system suitable for insurance sales |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106779422A (en) * | 2016-12-22 | 2017-05-31 | 安徽保腾网络科技有限公司 | Vehicle insurance surveys system |
| CN110163759A (en) * | 2018-02-12 | 2019-08-23 | 北京直通万连科技有限公司 | A kind of vehicle insurance scheme generation method |
-
2019
- 2019-12-29 CN CN201911386873.XA patent/CN111047418A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106779422A (en) * | 2016-12-22 | 2017-05-31 | 安徽保腾网络科技有限公司 | Vehicle insurance surveys system |
| CN110163759A (en) * | 2018-02-12 | 2019-08-23 | 北京直通万连科技有限公司 | A kind of vehicle insurance scheme generation method |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111932384A (en) * | 2020-06-24 | 2020-11-13 | 保之家风险管理科技(北京)有限公司 | Auxiliary service system suitable for insurance sales |
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Application publication date: 20200421 |
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| RJ01 | Rejection of invention patent application after publication |