CN112241863A - Vehicle-mounted machine-based insurance activation method and system - Google Patents
Vehicle-mounted machine-based insurance activation method and system Download PDFInfo
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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 provides a vehicle-machine-based insurance activation method and system, which are applied to a vehicle machine and comprise the following steps: step S100, downloading a vehicle-mounted APP for generating an insurance policy in a vehicle machine and opening the vehicle-mounted APP; step S200, when the car machine is activated and the activation key is detected to be in a click state, generating an insurance activation signal and sending the insurance activation signal to an insurance service platform for auditing, wherein the insurance activation signal carries car machine information, vehicle information and user information; and step S300, when the feedback signal passing the audit is received, displaying the service item corresponding to the activated insurance service in the vehicle-mounted APP, and receiving and storing the generated insurance policy. The vehicle-machine-based insurance activation method can be used for quickly purchasing the insurance of the vehicle without waiting for manual door-to-door service of an insurance company, thereby reducing the purchasing time and reducing the labor cost of the insurance company.
Description
Technical Field
The invention belongs to the technical field of car networking, and relates to a car machine-based insurance activation method and system.
Background
Along with the continuous development of social economy, people's material life is more and more abundant, and the car almost becomes one of the indispensable instrument of each family trip, and along with the continuous development of electronic technology, the popularization of intelligent electronic equipment, concepts such as thing networking, big data, car networking are deep and keen, and intelligent on-vehicle trade shows a happy scene, brings more humanized experience and service for the car owner.
Meanwhile, with the penetration of insurance business in various industries, vehicle insurance is important in the heart of almost every vehicle user. However, in the prior art, when a vehicle is bought, insurance company personnel are required to go to home of a user for service, so that the user fills a paper form to obtain personal information and vehicle information of the user and then brings the information back to the company for auditing, a lot of time is required, labor cost is increased, the whole purchasing process is prolonged, and cost is increased.
Disclosure of Invention
In view of the above drawbacks of the prior art, an object of the present invention is to provide a car-mounted device-based insurance activation method and system, which are used for solving the problems that the car insurance purchasing process is severely punished and the labor cost is increased in the prior art.
In order to achieve the above and other related objects, the present invention provides a car-mounted device-based insurance activation method, applied to a car-mounted device, including: step S100, downloading a vehicle-mounted APP for generating an insurance policy in a vehicle machine and opening the vehicle-mounted APP; step S200, when the car machine is activated and the activation key is detected to be in a click state, generating an insurance activation signal and sending the insurance activation signal to an insurance service platform for auditing, wherein the insurance activation signal carries car machine information, vehicle information and user information; and step S300, when the feedback signal passing the audit is received, displaying the service item corresponding to the activated insurance service in the vehicle-mounted APP, and receiving and storing the generated insurance policy.
In an embodiment of the present invention, the step S200 further includes: before detecting the insurance activation signal, determining that the user selects the insurance service required to be activated in the vehicle-mounted APP.
In an embodiment of the present invention, the step S200 further includes: and under the condition that the vehicle machine is not activated, when the activation key is detected to be in a click state, calling a vehicle machine activation interface for a user to activate, wherein the vehicle machine activation interface contains user information input by the user, and after the activation of the vehicle machine is completed, sending a insurance activation signal to the insurance service platform for auditing.
In an embodiment of the invention, the step S300 further includes that when the feedback signal indicating the audit failure is received, the vehicle APP directly exits the process.
In an embodiment of the present invention, after the step S300, a step S400 is further included, when an accident occurs to the vehicle, the corresponding accident questionnaire is called according to the selected service item, and is submitted to the insurance service platform for auditing, and after the auditing is passed, the insurance is completed.
In an embodiment of the present invention, the step S300 includes the following steps:
step S310, when a vehicle has an accident, the vehicle machine detects the current internal damage condition of the vehicle, wherein the current internal damage condition of the vehicle comprises whether a running system in the vehicle is damaged or not;
step S320, acquiring service items selected by a user in the vehicle-mounted APP, and calling an accident questionnaire corresponding to the service items for the user to input accident information;
and S330, positioning the current vehicle position, sending the vehicle position, the accident information and the current vehicle internal damage condition to an insurance service platform for auditing, and finishing vehicle insurance claim settlement or waiting for rescue after the auditing is passed.
The invention also provides a vehicle-machine-based insurance activation system, which comprises: the vehicle-mounted APP and the insurance service platform are installed in the vehicle; the vehicle-mounted APP is used for activating the required insurance service through the vehicle-mounted APP after the vehicle machine is activated by a user, sending an insurance activation signal to the insurance service platform through the vehicle machine and receiving the approved insurance policy; and the insurance service platform is used for auditing the provided vehicle-mounted information, vehicle information and user information and feeding back the information to the vehicle-mounted APP after receiving the insurance activation signal.
In an embodiment of the present invention, the vehicle-mounted APP includes a sending module, an activating module, a receiving module and a storage module,
the activation module is used for generating an insurance activation signal when detecting that the activation key is in a click state;
the sending module is connected with the activation module and used for sending insurance activation information to the insurance service platform for the insurance service platform to check;
the receiving module is used for receiving feedback information and insurance policy which are sent from the insurance service platform and pass the examination and verification;
the storage module is connected with the receiving module and used for storing the received insurance policy of the activated insurance service.
In an embodiment of the present invention, the vehicle-mounted APP further includes a detection module and a calling module, an input end of the detection module is connected to the activation module, an output end of the detection module is respectively connected to the calling module and the sending module, the detection module is used for detecting a current vehicle state after receiving the insurance activation signal, and the calling module is controlled to directly call the vehicle activation interface if the current vehicle state is not activated.
In an embodiment of the present invention, the storage module further includes a corresponding service item corresponding to each insurance service and an accident questionnaire corresponding to the service item;
the output end of the detection module is also connected with the storage module and the sending module and is used for detecting the service items selected by the user in the vehicle-mounted APP, and calling an accident questionnaire in the storage module according to the selected service items for the user to fill in and transmit the accident questionnaire to the sending module;
the sending module is also used for sending the input questionnaire to the insurance service platform for auditing.
As described above, the car-machine-based insurance activation method and system according to the present invention have the following beneficial effects:
(1) the vehicle-machine-based insurance activation method can be used for quickly purchasing the insurance of the vehicle without waiting for manual door-to-door service of an insurance company, thereby reducing the purchasing time and reducing the labor cost of the insurance company.
(2) When the vehicle has bought insurance service through the vehicle-mounted APP, the bought insurance service can be opened through the vehicle machine under the condition that the vehicle needs to go out insurance when a traffic accident occurs, corresponding service items are selected according to the accident type, accident information is determined by filling in corresponding accident questionnaire and submitted to the insurance service platform for auditing, insurance settlement and claim can be carried out after the insurance service platform audits and passes the auditing, and the settlement and claim do not need to be carried out after insurance company personnel reach the accident site and carry out field investigation, so that the settlement time is greatly reduced, and the manpower of the insurance company is reduced.
(3) When the vehicle is blown out or the vehicle is parked too long and the power supply cannot be insufficient, the vehicle can contact the insurance company on line through the vehicle-mounted APP to apply for road rescue to the insurance company, so that the user experience is increased, and the road rescue time is saved.
Drawings
Fig. 1 is a flowchart illustrating an embodiment of a car-based insurance activation method according to the present invention.
Fig. 2 is a flowchart illustrating an accident application and insurance emergence of a vehicle in the car-based insurance activation method according to the present invention.
FIG. 3 is a system block diagram of a car-based insurance activation system according to an embodiment of the present invention.
Fig. 4 is a block flow diagram of a vehicle APP of an embodiment of the car-based insurance activation system of the present invention.
Description of the element reference numerals
1 vehicle APP
11 sending module
12 activation module
13 receiving module
14 memory module
15 detection module
16 calling module
2 vehicle machine
3 insurance service platform
S100 to S300
S310 to S330
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.
Example one
Referring to fig. 1, the present embodiment provides a car-based insurance activation method, including:
and S100, downloading a vehicle-mounted APP for generating the insurance policy in the vehicle and opening the APP. Wherein, various insurance services and activation keys are displayed on the home page opened by the vehicle-mounted APP. In this embodiment, each insurance service included in the vehicle-mounted APP is: the automobile replacement responsibility insurance and the riding instead of walk responsibility service, and other insurance services can be contained in the vehicle-mounted APP, which is not limited herein. In addition, the vehicle-mounted APP contains insurance service terms, and a user can check insurance service terms of corresponding insurance services by clicking insurance service term entries displayed on a vehicle-mounted machine interface.
And S200, under the condition that the vehicle machine is activated, when the vehicle-mounted APP detects that an activation key is in a click state, generating an insurance activation signal and sending the insurance activation signal to an insurance service platform for auditing, wherein the insurance activation signal carries vehicle machine information, vehicle information and user information.
In this embodiment, after the car machine was activated, the car machine obtained vehicle information through the CAN bus, this vehicle information includes the only code of vehicle, engine number and license plate number, simultaneously, in the car machine activation process, CAN make the user type in user information on the car machine, this user information includes user's cell-phone number and user's identity card number, still CAN include driving license and travel license, of course, user information also CAN be after the car machine activation, type in the car machine setting is used, with vehicle information, user information and car machine information storage in the memory of car machine, this moment on-vehicle APP CAN follow the car machine and transfer user information and vehicle information.
The vehicle machine information comprises a vehicle machine number, a vehicle machine model and a vehicle machine system version. And after the car machine detects that the activation key is clicked, putting car machine information, vehicle information and user information into an insurance activation signal together.
In this embodiment, in the auditing process, the insurance service platform not only audits the vehicle information, the vehicle information and the user information in the insurance activation signal, but also needs to query the claim settlement condition of the vehicle in the past through the vehicle information, and performs multiple aspects of condition consideration.
Further, step S200 further includes: before detecting the insurance activation signal, determining that the user selects the insurance service required to be activated in the vehicle-mounted APP. In this embodiment, when the user does not select the insurance service to be activated, the user may default to select all the insurance services, and of course, the type of the default insurance service may also be set by the vehicle machine or the merchant in the case of non-selection.
Further, the step S200 further includes: under the condition that the car machine is not activated, when the activation key is detected to be in a click state, the car machine activation interface is directly called for a user to activate, user information input by the user is contained in the car machine activation interface, and after the car machine activation is completed, the car-mounted APP sends an insurance activation signal to the insurance service platform for auditing.
And step S300, when the feedback signal passing the audit is received, displaying the service item corresponding to the activated insurance service in the vehicle-mounted APP, and receiving and storing the generated insurance policy.
Further, step S300 includes that when the feedback signal of the audit failure is received, the vehicle-mounted APP directly pushes out the program, and at this time, the activation button of the vehicle-mounted APP assumes a gray state, and the activation button in the gray state cannot generate the activation signal in the click state.
In addition, when the vehicle is replaced by the vehicle machine, or the vehicle machine is formatted under the condition that user information is input in the vehicle machine activation process, or the user information is changed under the condition that the user information is input after the vehicle machine is activated, the vehicle-mounted APP needs to be activated again.
Further, step S400 is included after step S300, when an accident occurs to the vehicle, a corresponding accident questionnaire is called according to the selected service item, and submitted to the insurance service platform for auditing, and after the auditing is passed, the insurance is completed.
Referring to fig. 2, the step S300 includes the following steps:
step S310, when the vehicle has an accident, the vehicle machine detects the current vehicle internal damage condition, wherein the current vehicle internal damage condition comprises whether a vehicle internal operation system is damaged or not. The operation system can comprise a transmitter control unit, a transmission control unit and a combination meter, and can also comprise a keyless entry system and a keyless starting system.
Step S320, obtaining the service items selected by the user in the vehicle-mounted APP, and calling the corresponding accident survey form for the user to enter the accident information, where the accident survey form may be pre-stored in the vehicle-mounted APP, or may be downloaded in the vehicle-mounted memory through networking after the insurance service is activated. The accident information at least comprises a contact telephone of a driver and the name of the driver.
In this embodiment, the service items are divided into two categories: one type is road rescue type service items, such as power connection, tire change, on-site quick repair, trailer and distress rescue, and the other type is report type service items, such as vehicle insurance claims, and the accident information required to be recorded in the accident questionnaire corresponding to different service items is different. In addition, the in-vehicle APP1 further includes introduction information describing a service range applicable to each service item, and when the user cannot determine the service item to be selected, the user can clearly see the introduction information.
Taking power connection as an example, the accident information also includes the remaining power displayed by the electric meter and the situation that the vehicle cannot be started.
Taking the trapped application vehicle insurance claim as an example, the accident information also comprises the injury condition of people, the accident type (classified by the accident nature of the vehicle, such as frontal collision, rear-end collision, scraping, oblique side collision, vertical collision, overturning and the like), the information of the opposite owner (comprising the name of the opposite owner and the contact telephone of the opposite owner), the information of the opposite vehicle, the insurance time, and also can comprise the field condition, the damage condition of articles and the condition of external parts of the vehicle (such as external parts of the vehicle such as a bumper, a vehicle lamp, a bonnet, a door glass and the like).
When the vehicle has bought insurance service through the vehicle-mounted APP, the bought insurance service can be opened through the vehicle machine under the condition that the vehicle needs to go out insurance when a traffic accident occurs, corresponding service items are selected according to the accident type, accident information is determined by filling in corresponding accident questionnaire and submitted to the insurance service platform for auditing, insurance settlement and claim can be carried out after the insurance service platform audits and passes the auditing, and the settlement and claim do not need to be carried out after insurance company personnel reach the accident site and carry out field investigation, so that the settlement time is greatly reduced, and the manpower of the insurance company is reduced.
In addition, when the vehicle is blown out or the vehicle is parked too long and the power supply cannot be insufficient, the vehicle-mounted APP online contact insurance company can be used for applying for road rescue to the insurance company, so that the user experience is increased, and the road rescue time is saved.
And S330, positioning the current vehicle position, sending the vehicle position, the accident information and the current vehicle internal damage condition to an insurance service platform for auditing, and finishing vehicle insurance claim settlement or waiting for rescue after the auditing is passed.
The vehicle-machine-based insurance activation method can be used for quickly purchasing insurance of a vehicle without waiting for manual door-to-door service of an insurance company, and meanwhile, under the condition that the vehicle needs to go out of insurance when an accident happens, the insurance company can be contacted with the insurance company on line to apply for the insurance, and the insurance company verifies whether the vehicle goes out of insurance according to accident information provided by a user, so that the insurance speed is increased; in addition, when road rescue is needed, the vehicle-mounted APP1 can be applied online.
The protection scope of the car-based insurance activation method is not limited to the execution sequence of the steps listed in this embodiment, and all the schemes of adding, subtracting and replacing the steps in the prior art according to the principle of the invention are included in the protection scope of the invention.
Example two
Referring to fig. 3, the embodiment further provides a car-based insurance activation system, including: the vehicle-mounted APP1 and the insurance service platform are installed in the vehicle machine 2;
the vehicle-mounted APP1 is used for activating the required insurance service through the vehicle-mounted APP1 after the vehicle machine 2 is activated, sending an insurance activation signal to an insurance service platform and receiving an approved insurance policy;
and the insurance service platform is used for auditing the provided vehicle-mounted information, vehicle information and user information after receiving the insurance activation signal and feeding back the information to the vehicle-mounted APP 1.
Further, referring to fig. 4, the vehicle APP1 includes a sending module 11, an activating module 12, a receiving module 13 and a storing module 14, wherein,
the activation module 12 is used for acquiring an insurance activation signal generated when the activation key is in a click state;
the sending module 11 is connected to the activating module 12, and is configured to send insurance activation information to the insurance service platform when the car machine 2 is in an activated state, so that the insurance service platform can audit the insurance activation information;
the receiving module 13 is used for receiving the feedback information and the insurance policy which are sent from the insurance service platform and pass the audit;
the storage module 14 is connected to the receiving module 13 and is used for storing the received insurance policy of the activated insurance service.
The storage module 14 may be a Memory, which may include a Random Access Memory (RAM) or a non-volatile Memory (non-volatile Memory), such as at least one disk Memory.
Further, on-vehicle APP1 still includes: a detection module 15 and a retrieval module 16;
the input end of the detection module 15 is connected with the activation module 12, the output end of the detection module 15 is respectively connected with the calling module 16 and the sending module 11, the detection module is used for detecting the state of the current car machine 2 after receiving the insurance activation signal, and if the state of the current car machine 2 is not activated, the calling module 16 is controlled to directly call the car machine activation interface.
Further, the storage module 14 further includes a corresponding service item corresponding to each insurance service and an accident questionnaire corresponding to the service item; the output end of the detection module 15 is further connected with the storage module 14 and the sending module 11, and is used for detecting a service item selected by a user in the vehicle-mounted APP1, and calling an accident questionnaire in the storage module 14 according to the selected service item for the user to fill in and transmit to the sending module 11; the sending module 11 is further configured to send the input questionnaire to the insurance service platform for auditing.
It should be noted that the division of the modules of the above apparatus is only a logical division, and the actual implementation may be wholly or partially integrated into one physical entity, or may be physically separated. And the modules can be realized in a form that all software is called by the processing element, or in a form that all the modules are realized in a form that all the modules are called by the processing element, or in a form that part of the modules are called by the hardware. For example: the detection module can be a processing element which is set up separately, and can also be integrated in a certain chip of the device. In addition, the calling module may be stored in the memory of the system in the form of program codes, and a certain processing element of the system may call and execute the functions of the calling module. Other modules are implemented similarly. All or part of the modules can be integrated together or can be independently realized. The processing element described herein may be an integrated circuit having signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in the form of software.
The invention further provides a car-machine-based insurance activation system, which is used for realizing the car-machine-based insurance activation method, but the realization device of the car-machine-based insurance activation method comprises but is not limited to the structure of the car-machine-based insurance activation system listed in the embodiment, and all structural deformation and replacement in the prior art, which are made according to the principle of the invention, are included in the protection scope of the invention.
In conclusion, the present invention effectively overcomes various disadvantages of the prior art and has high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.
Claims (10)
1. The utility model provides a insurance activation method based on car machine, is applied to the car machine, its characterized in that includes:
step S100, downloading a vehicle-mounted APP for generating an insurance policy in a vehicle machine and opening the vehicle-mounted APP;
step S200, when the car machine is activated and the activation key is detected to be in a click state, generating an insurance activation signal and sending the insurance activation signal to an insurance service platform for auditing, wherein the insurance activation signal carries car machine information, vehicle information and user information;
and step S300, when the feedback signal passing the audit is received, displaying the service item corresponding to the activated insurance service in the vehicle-mounted APP, and receiving and storing the generated insurance policy.
2. The vehicle-mounted machine-based insurance activation method according to claim 1, wherein the step S200 further comprises: before detecting the insurance activation signal, determining that the user selects the insurance service required to be activated in the vehicle-mounted APP.
3. The vehicle-mounted machine-based insurance activation method according to claim 1, wherein said step S200 further comprises: and under the condition that the vehicle machine is not activated, when the activation key is detected to be in a click state, calling a vehicle machine activation interface for a user to activate, wherein the vehicle machine activation interface contains user information input by the user, and after the activation of the vehicle machine is completed, sending a insurance activation signal to the insurance service platform for auditing.
4. The vehicle-mounted machine-based insurance activation method according to claim 1, further comprising, in step S300, directly exiting the program when receiving a feedback signal indicating an audit failure.
5. The vehicle-based insurance activation method according to claim 1, further comprising after step S300:
and S400, when the vehicle has an accident, calling a corresponding accident questionnaire according to the selected service item, submitting the accident questionnaire to an insurance service platform for auditing, and finishing the insurance when the auditing is passed.
6. The in-vehicle based insurance activation method according to claim 5, wherein said step S300 comprises the steps of:
step S310, when a vehicle has an accident, the vehicle machine detects the current internal damage condition of the vehicle, wherein the current internal damage condition of the vehicle comprises whether a running system in the vehicle is damaged or not;
step S320, acquiring service items selected by a user in the vehicle-mounted APP, and calling an accident questionnaire corresponding to the service items for the user to input accident information;
and S330, positioning the current vehicle position, sending the vehicle position, the accident information and the current vehicle internal damage condition to an insurance service platform for auditing, and finishing vehicle insurance claim settlement or waiting for rescue after the auditing is passed.
7. The utility model provides a insurance activation system based on car machine which characterized in that includes: the vehicle-mounted APP and the insurance service platform are installed in the vehicle;
the vehicle-mounted APP is used for activating the required insurance service through the vehicle-mounted APP after the vehicle machine is activated, sending an insurance activation signal to the insurance service platform through the vehicle machine and receiving the approved insurance policy;
and the insurance service platform is used for auditing the provided vehicle-mounted information, vehicle information and user information and feeding back the information to the vehicle-mounted APP after receiving the insurance activation signal.
8. The in-vehicle based insurance activation system according to claim 7, wherein said in-vehicle APP comprises a sending module, an activation module, a receiving module and a storage module, wherein,
the activation module is used for generating an insurance activation signal when detecting that the activation key is in a click state;
the sending module is connected with the activation module and used for sending insurance activation information to the insurance service platform for the insurance service platform to check;
the receiving module is used for receiving feedback information and insurance policy which are sent from the insurance service platform and pass the examination and verification;
the storage module is connected with the receiving module and used for storing the received insurance policy of the activated insurance service.
9. The vehicle-mounted APP based on the vehicle-mounted insurance activation system according to claim 8, wherein the vehicle-mounted APP further comprises a detection module and a calling module, an input end of the detection module is connected with the activation module, an output end of the detection module is respectively connected with the calling module and the sending module, the detection module is used for detecting a current vehicle-mounted state after receiving an insurance activation signal, and if the current vehicle-mounted state is not activated, the calling module is controlled to directly call a vehicle-mounted activation interface.
10. The car-based insurance activation system according to claim 9, wherein said storage module further comprises a corresponding service item corresponding to each insurance service and an accident questionnaire corresponding to the service item; the output end of the detection module is also connected with the storage module and the sending module and is used for detecting the service items selected by the user in the vehicle-mounted APP, and calling an accident questionnaire in the storage module according to the selected service items for the user to fill in and transmit the accident questionnaire to the sending module; the sending module is also used for sending the input questionnaire to the insurance service platform for auditing.
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