CN112270607A - Method and device for vehicle insurance application - Google Patents
Method and device for vehicle insurance application Download PDFInfo
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- CN112270607A CN112270607A CN202011206583.5A CN202011206583A CN112270607A CN 112270607 A CN112270607 A CN 112270607A CN 202011206583 A CN202011206583 A CN 202011206583A CN 112270607 A CN112270607 A CN 112270607A
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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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
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- G06F16/953—Querying, e.g. by the use of web search engines
- G06F16/9537—Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
Abstract
The application discloses a method and a device for vehicle insurance. After vehicle-mounted detection equipment detects information of vehicle starting, an insurance service background receives identification information of the vehicle uploaded by the vehicle-mounted detection equipment, wherein the identification information comprises a license plate number and/or a frame number; the insurance service background inquires whether a current date insurance policy corresponding to the vehicle exists according to the identification information; if the current date insurance policy does not exist, automatically generating the current date insurance policy according to the historical insurance policy information, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with a third party payment platform; if so, no processing is performed. The problem of current car insurance mode intellectuality degree low, the statistics of premium is complicated is solved to this application.
Description
Technical Field
The application relates to the field of vehicle insurance, in particular to a method and a device for vehicle insurance application.
Background
With the continuous improvement of the insurance industry, more and more people begin to apply insurance. Particularly for vehicle insurance, the current insurance scheme is mostly a one-year scheme. For the existing car insurance scheme, after a plurality of users buy the car insurance for one year, the users can not drive to go out every day, so that most of the users are in a state of wasting insurance premium in a plurality of times, the user experience is poor, and the popularization of the insurance scheme is influenced.
Some short-term insurance schemes have also emerged to address the above current situation. The existing short-term insurance scheme mainly judges whether a user uses a vehicle within a preset time according to positioning information, calculates insurance premiums according to the used time and the unused time within the preset time and corresponding charging standards, for example, counts the number of days that the user uses the vehicle within a month and the number of days that the user does not use the vehicle, and then calculates insurance premiums according to the used and unused charging standards. For the existing short-term insurance application scheme of the car insurance, the inventor finds that the existing scheme has at least the following defects: the intelligent degree is low, and the statistical calculation of the premium is more complicated.
Disclosure of Invention
The application mainly aims to provide a method and a device for insurance application, so as to solve the problems of low intelligent degree and complex premium statistics of the existing insurance application mode.
In order to achieve the above object, according to a first aspect of the present application, there is provided a method of insurance.
The method for insurance application comprises the following steps:
after vehicle-mounted detection equipment detects information of vehicle starting, an insurance service background receives identification information of the vehicle uploaded by the vehicle-mounted detection equipment, wherein the identification information comprises a license plate number and/or a frame number;
the insurance service background inquires whether a current date insurance policy corresponding to the vehicle exists according to the identification information;
if the current date insurance policy does not exist, automatically generating the current date insurance policy according to the historical insurance policy information, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with a third party payment platform;
if so, no processing is performed.
Optionally, before the insurance service background receives the identification information of the vehicle uploaded by the OBD, the method further includes:
generating a first insurance policy of the vehicle according to the vehicle information and the vehicle owner information;
and generating an automatic deduction protocol of the third-party payment platform according to the authorization of the vehicle owner so as to automatically deduct the premium.
Optionally, the automatically generating the current date policy according to the historical policy information further includes:
acquiring a policy which is the latest time from the current date;
and modifying the latest policy according to the current time of the system to obtain the policy of the current date.
Optionally, after the deduction processing of the premium corresponding to the current date policy is completed, the method further includes:
a notice that the payment is successful and the policy is effective is returned to the client corresponding to the user through the third-party payment platform; alternatively, the first and second electrodes may be,
and returning a deduction failure notice to the client corresponding to the user through the third-party payment platform.
Optionally, the vehicle-mounted detection device is an OBD detection device.
Optionally, the current date policy includes a current date policy or a current week policy or a current month policy or a custom period policy.
Optionally, the method further includes:
after the policy takes effect, returning the policy of the current date to a client corresponding to the user for displaying, wherein the policy of the current date at least comprises owner information, policyholder information, insured person information, vehicle information and order information; and the number of the first and second electrodes,
and saving the current date insurance policy.
In order to achieve the above object, according to a second aspect of the present application, there is provided a device for insurance.
The device for insurance of the vehicle insurance comprises:
the safety service background is used for receiving identification information of the vehicle uploaded by the vehicle-mounted detection equipment after the vehicle-mounted detection equipment detects the information of vehicle starting, wherein the identification information comprises a license plate number and/or a frame number;
the inquiry unit is used for inquiring whether a current date insurance policy corresponding to the vehicle exists or not by the insurance service background according to the identification information;
the first generation unit is used for automatically generating a current date insurance policy according to historical insurance policy information if the current date insurance policy does not exist, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with a third party payment platform;
and an ending unit used for not processing if the current state exists.
Optionally, the apparatus further comprises:
the second generation unit is used for generating a first insurance policy of the vehicle according to the vehicle information and the vehicle owner information before the insurance service background receives the identification information of the vehicle uploaded by the OBD;
and the third generation unit is used for generating an automatic deduction protocol of the third party payment platform according to the authorization of the vehicle owner so as to automatically deduct the premium.
Optionally, the first generating unit includes:
the acquisition module is used for acquiring the policy which is the latest time away from the current date;
and the determining module is used for modifying the latest insurance policy according to the current time of the system to obtain the insurance policy of the current date.
Optionally, the apparatus further comprises:
the return unit is used for returning a notice that the payment is successful and the policy takes effect to the client corresponding to the user through the third-party payment platform after the payment deduction processing of the premium corresponding to the policy on the current date is finished; and returning a deduction failure notice to the client corresponding to the user through the third-party payment platform.
Optionally, the vehicle-mounted detection device is an OBD detection device.
Optionally, the current date policy includes a current date policy or a current week policy or a current month policy or a custom period policy.
Optionally, the apparatus further comprises:
the display unit is used for returning the current date insurance policy to the client corresponding to the user for display after the insurance policy takes effect, wherein the current date insurance policy at least comprises vehicle owner information, policyholder information, insured person information, vehicle information and order information;
and the storage unit is used for storing the current date insurance policy.
In order to achieve the above object, according to a third aspect of the present application, there is provided a system for insurance, the system including: the system comprises an insurance service background, a client, a third party payment platform and vehicle-mounted detection equipment;
the insurance service background is used for executing the vehicle insurance application method of any one of the first aspect;
the client is used for receiving vehicle information and vehicle owner information input by a user; receiving a notice that the payment is successful and the policy is effective; receiving a notification of a deduction failure; receiving and displaying a current date insurance policy;
the third-party payment platform is used for receiving the authorization of the user, generating the insurance policy of the current date in the insurance service background and then automatically deducting the insurance fee corresponding to the insurance policy of the current date;
the vehicle-mounted detection equipment is used for detecting vehicle starting information and uploading the acquired identification information of the vehicle to the insurance service background after the vehicle starting information is detected.
In order to achieve the above object, according to a fourth aspect of the present application, there is provided a non-transitory computer-readable storage medium storing computer instructions that cause a computer to execute the method of insurance of a vehicle according to any one of the first aspect.
In the method and the device for insurance application in the embodiment of the application, after vehicle-mounted detection equipment detects information of vehicle starting, an insurance service background receives identification information of the vehicle uploaded by the vehicle-mounted detection equipment, wherein the identification information comprises a license plate number and/or a frame number; the insurance service background inquires whether a current date insurance policy corresponding to the vehicle exists according to the identification information; if the current date insurance policy does not exist, automatically generating the current date insurance policy according to the historical insurance policy information, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with a third party payment platform; if so, no processing is performed. Can see, this application is when on-vehicle check out equipment detects the user and starts the car, can transmit license plate number and/or frame number to backstage through on-vehicle check out equipment interface, then generate this vehicle current date insurance policy, unusual convenience, realized only just checking and just insuring when the vehicle uses, and whole insuring process convenience very, the payment including the insurance premium also can be through the automatic deduction of third party payment platform completion insurance premium, more intellectuality, user experience is good.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, serve to provide a further understanding of the application and to enable other features, objects, and advantages of the application to be more apparent. The drawings and their description illustrate the embodiments of the invention and do not limit it. In the drawings:
FIG. 1 is a flow chart of a method for insurance application according to an embodiment of the application;
FIG. 2 is a flow chart of another method for insurance provided according to an embodiment of the present application;
FIG. 3 is a schematic diagram of an electronic policy for a vehicle according to an embodiment of the present application;
FIG. 4 is a block diagram of a vehicle insurance device according to an embodiment of the present application;
fig. 5 is a block diagram of another apparatus for insurance according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all 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 application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
According to the embodiment of the application, the method for vehicle insurance application is applied to an insurance service background. As shown in fig. 1, the method comprises the steps of:
s101, after the vehicle-mounted detection equipment detects the information of vehicle starting, the insurance service background receives the identification information of the vehicle uploaded by the vehicle-mounted detection equipment.
The vehicle-mounted detection equipment is internet-of-things equipment capable of acquiring vehicle related data (data such as basic data of a vehicle and the engine speed), and the vehicle-mounted detection equipment can communicate with a vehicle system. When the vehicle is started, the vehicle-mounted detection device can determine that the vehicle is started through the rotation speed of the engine or other signals capable of determining that the vehicle is started. When the vehicle is determined to be started, the user needs to use the vehicle, and a current-period insurance policy needs to be generated timely to provide guarantee for the use process of the vehicle. The policy at the current period needs to be generated according to the identification information of the vehicle, wherein the identification information can be a license plate number and/or a frame number, and the identification information can be acquired by the vehicle-mounted detection equipment and then provided to the insurance service background. In practical application, the vehicle-mounted detection equipment can send the license plate number and/or the frame number to the insurance service background through the vehicle system background.
And S102, the insurance service background inquires whether a current date insurance policy corresponding to the vehicle exists according to the identification information.
After receiving the license plate number and/or the frame number corresponding to the starting vehicle, the insurance service background queries the insurance policy by taking the license plate number and/or the frame number as query bars and judges whether the current date insurance policy corresponding to the starting vehicle exists. The insurance policy on the current date is an effective insurance policy in a time period, but a user can start the vehicle for multiple times in a time period, after the insurance policy is generated by starting for the first time and then starting in a time period, the previous insurance policy is directly used for vehicle guarantee, and the insurance policy does not need to be generated again. It is therefore necessary to query whether a current date policy exists. If not, step S103 is executed, and if yes, step S104 is executed.
And S103, if the current date insurance policy does not exist, automatically generating the current date insurance policy according to the historical insurance policy information, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with the third party payment platform.
If the current date insurance policy does not exist, the current date insurance policy is required to be automatically generated according to the historical insurance policy information. The historical insurance policy information is a previously generated insurance policy, and it needs to be explained that when a user applies the system for vehicle insurance for the first time, the user is required to sign a first insurance policy, namely the first insurance policy, before an insurance company, and the first insurance policy is mainly used for recording vehicle information, vehicle owner information and binding an automatic deduction protocol of a third-party payment platform, so that the current date insurance policy can be generated later conveniently. There is a historical policy at each subsequent generation of the current date policy.
More specifically, "automatically generating a current date policy according to historical policy information" may be acquiring a policy that is the latest time from the current date; and modifying the latest policy according to the current time of the system to obtain the policy of the current date. Considering that the insurance application usually does not change, and usually is due renewal, namely the insurance application is different from the original insurance policy mainly in time, the current date insurance policy can be obtained by modifying the latest insurance policy according to the current time of the system. A specific example is given for explanation, and assuming that the current date policy is a daily policy, the current date is 2020.9.8, and 2020.9.7 policies exist in the historical policy, only 2020.9.7 in the historical policy needs to be modified to 2020.9.8.
After the insurance policy on the current date is generated, the insurance policy can be enabled to take effect only by paying the insurance premium, and in order to more conveniently deal with the payment, the insurance policy is realized by a mode of automatically deducting the fee through a third-party payment platform in the embodiment of the application. It should be noted that the automatic deduction is also authorized by the user (an automatic deduction protocol of the third-party payment platform is generated according to the authorization of the owner of the vehicle to automatically deduct the premium), and if the user is not authorized, the user can choose a payment mode to jump to a payment page to pay the premium.
And S104, if the current data exists, not processing.
If the insurance policy of the current date exists, which indicates that the current vehicle is in the insurance guarantee, the generation of the insurance policy is not needed, and the processing is not carried out. The detection is continued by returning to step S101.
From the above description, it can be seen that in the method for insurance application in the embodiment of the present application, after the vehicle-mounted detection device detects the information of vehicle start, the insurance service background receives the identification information of the vehicle uploaded by the vehicle-mounted detection device, where the identification information includes a license plate number and/or a frame number; the insurance service background inquires whether a current date insurance policy corresponding to the vehicle exists according to the identification information; if the current date insurance policy does not exist, automatically generating the current date insurance policy according to the historical insurance policy information, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with a third party payment platform; if so, no processing is performed. Can see, this application is when on-vehicle check out equipment detects the user and starts the car, can transmit license plate number and/or frame number to backstage through on-vehicle check out equipment interface, then generate this vehicle current date insurance policy, unusual convenience, realized only just checking and just insuring when the vehicle uses, and whole insuring process convenience very, the payment including the insurance premium also can be through the automatic deduction of third party payment platform completion insurance premium, more intellectuality, user experience is good.
Further, in addition to the above method embodiment, the following contents are also included: after the deduction processing of the premium corresponding to the current date insurance policy is completed, the method further comprises the following steps: a notice that the payment is successful and the policy is effective is returned to the client corresponding to the user through the third-party payment platform; or, a notification of deduction failure is returned to the client corresponding to the user through the third-party payment platform.
Further, after the money deduction is successful and the policy takes effect, returning the current date policy to the client corresponding to the user for displaying, wherein the current date policy at least comprises owner information, policyholder information, insured person information, vehicle information and order information; and the current date insurance policy is stored so as to provide historical data for the generation of the subsequent current date insurance policy. After the policy is validated, the state of the policy may be modified to be in guarantee.
Further, in the embodiment of the present application, the current date policy may be a current date policy, a current week policy, a current month policy, a custom period policy, or the like. In practical application, users can select insurance policies with different time periods according to actual requirements. It should be noted that if the time limit of the current date policy selection is different from the time limit selected in the historical policy, the modification can be flexibly performed. For example, if the current date policy selected by the user is the current week policy, but the historical policies are all the current date policies, the current date policy may be obtained by modifying the time period from the current time of the system to one week later as the validity period of the current week policy.
In order to describe the method for insurance in the above embodiment more intuitively, the method flow of insurance is described by taking the current date insurance policy as the current day insurance policy, the vehicle-mounted detection as the OBD box, and the third party payment platform as the WeChat payment platform, as shown in fig. 2:
1. the user and the insurance company sign a first insurance policy for recording vehicle information, vehicle owner information and binding WeChat automatic deduction protocol, so that a day insurance policy can be generated conveniently;
2. the user starts the vehicle, the OBD box identifies vehicle data (license plate number and/or frame number), and sends the data to the insurance service background through the OBD interface;
3. the insurance service background judges whether the vehicle generates a birthday insurance policy on the same day, and if so, the vehicle is not processed;
4. if not, acquiring the data of the previous policy, and generating the policy on the current day according to the current time of the system to be effective;
5. and calling WeChat automatic deduction, wherein the user needs to be informed of the failure of deduction, the insurance policy takes effect if the deduction is successful, and the electronic insurance policy is generated and sent to the user as the basis for subsequent claims settlement and the like of the user. For the display content of the electronic insurance policy, an example is given, as shown in fig. 3, specifically including owner information, policyholder information, insured person information, vehicle information, and order information. Fig. 3 is an exemplary illustration, and the display of the actual electronic policy may be suitably adjusted.
From the above description, it can be seen that in the whole car insurance process, when the vehicle is started, the insurance policy in the corresponding guarantee period can be flexibly generated, and the insurance premium expenditure of the user is saved.
Finally, beneficial effects of the vehicle insurance application are summarized:
1. short-term insurance policies in corresponding guarantee periods can be flexibly generated;
2. the premium expenditure of the user is saved;
3. the insurance policy is automatically generated and deducted, so that the operation is convenient and more intelligent;
4. and the scene of the vehicle insurance product is enriched.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
There is also provided, in accordance with an embodiment of the present application, an apparatus for implementing the insurance application of the method of fig. 1, as shown in fig. 4, the apparatus including:
the system comprises a receiving unit 21, a safety service background and a control unit, wherein the receiving unit 21 is used for receiving identification information of a vehicle uploaded by a vehicle-mounted detection device after the vehicle-mounted detection device detects information of vehicle starting, and the identification information comprises a license plate number and/or a frame number;
the query unit 22 is configured to query, by the insurance service background, whether a current date insurance policy corresponding to the vehicle exists according to the identification information;
the first generating unit 23 is configured to automatically generate a current date policy according to the historical policy information if the current date policy does not exist, and automatically complete deduction processing of a premium corresponding to the current date policy through docking with a third party payment platform;
and a finishing unit 24 for not processing if the processing is present.
From the above description, it can be seen that in the apparatus for insurance application in the embodiment of the present application, after the vehicle-mounted detection device detects the information of vehicle start, the insurance service background receives the identification information of the vehicle uploaded by the vehicle-mounted detection device, where the identification information includes a license plate number and/or a frame number; the insurance service background inquires whether a current date insurance policy corresponding to the vehicle exists according to the identification information; if the current date insurance policy does not exist, automatically generating the current date insurance policy according to the historical insurance policy information, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with a third party payment platform; if so, no processing is performed. Can see, this application is when on-vehicle check out equipment detects the user and starts the car, can transmit license plate number and/or frame number to backstage through on-vehicle check out equipment interface, then generate this vehicle current date insurance policy, unusual convenience, realized only just checking and just insuring when the vehicle uses, and whole insuring process convenience very, the payment including the insurance premium also can be through the automatic deduction of third party payment platform completion insurance premium, more intellectuality, user experience is good.
Further, as shown in fig. 5, the apparatus further includes:
the second generating unit 25 is configured to generate a first insurance policy of the vehicle according to the vehicle information and the vehicle owner information before the insurance service background receives the identification information of the vehicle uploaded by the OBD;
and the third generating unit 26 is used for generating an automatic deduction protocol of the third party payment platform according to the authorization of the vehicle owner so as to automatically deduct the premium.
Further, as shown in fig. 5, the first generating unit 23 includes:
an obtaining module 231, configured to obtain a policy that is the latest time from the current date;
and the determining module 232 is configured to modify the latest policy according to the current time of the system to obtain a current date policy.
Further, as shown in fig. 5, the apparatus further includes:
a returning unit 27, configured to return, to the client corresponding to the user through the third-party payment platform, a notification that the payment was successful and the policy is in effect after the payment deduction process of the premium corresponding to the policy on the current date is completed; and returning a deduction failure notice to the client corresponding to the user through the third-party payment platform.
Further, on-vehicle check out test set is OBD check out test set.
Further, the current date policy comprises a current date policy or a current week policy or a current month policy or a custom period policy.
Further, as shown in fig. 5, the apparatus further includes:
the display unit 28 is used for returning the insurance policy of the current date to the client corresponding to the user for display after the insurance policy takes effect, wherein the insurance policy of the current date at least comprises vehicle owner information, policyholder information, insured person information, vehicle information and order information; and the number of the first and second electrodes,
and a saving unit 29 for saving the current date policy.
Specifically, the specific process of implementing the functions of each unit and module in the device in the embodiment of the present application may refer to the related description in the method embodiment, and is not described herein again.
There is also provided, in accordance with an embodiment of the present application, a system for insurance application implementing the method of fig. 1, the system including: the system comprises an insurance service background, a client, a third party payment platform and vehicle-mounted detection equipment;
the insurance service background is used for executing the method for insurance of the vehicle insurance in the figure 1;
the client is used for receiving vehicle information and vehicle owner information input by a user; receiving a notice that the payment is successful and the policy is effective; receiving a notification of a deduction failure; receiving and displaying a current date insurance policy;
the third-party payment platform is used for receiving the authorization of the user, generating the insurance policy of the current date in the insurance service background and then automatically deducting the insurance fee corresponding to the insurance policy of the current date;
the vehicle-mounted detection equipment is used for detecting vehicle starting information and uploading the acquired identification information of the vehicle to the insurance service background after the vehicle starting information is detected.
In the system for insurance application of the embodiment of the application, after the vehicle-mounted detection equipment detects the information of vehicle starting, the insurance service background receives the identification information of the vehicle uploaded by the vehicle-mounted detection equipment, wherein the identification information comprises a license plate number and/or a frame number; the insurance service background inquires whether a current date insurance policy corresponding to the vehicle exists according to the identification information; if the current date insurance policy does not exist, automatically generating the current date insurance policy according to the historical insurance policy information, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with a third party payment platform; if so, no processing is performed. Can see, this application is when on-vehicle check out equipment detects the user and starts the car, can transmit license plate number and/or frame number to backstage through on-vehicle check out equipment interface, then generate this vehicle current date insurance policy, unusual convenience, realized only just checking and just insuring when the vehicle uses, and whole insuring process convenience very, the payment including the insurance premium also can be through the automatic deduction of third party payment platform completion insurance premium, more intellectuality, user experience is good.
There is also provided, in accordance with an embodiment of the present application, a non-transitory computer-readable storage medium storing computer instructions that cause a computer to perform the method of insurance application of either of fig. 1 or 3.
It will be apparent to those skilled in the art that the modules or steps of the present application described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and they may alternatively be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, or fabricated separately as individual integrated circuit modules, or fabricated as a single integrated circuit module from multiple modules or steps. Thus, the present application is not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (10)
1. A method of insurance, the method comprising:
after vehicle-mounted detection equipment detects information of vehicle starting, an insurance service background receives identification information of the vehicle uploaded by the vehicle-mounted detection equipment, wherein the identification information comprises a license plate number and/or a frame number;
the insurance service background inquires whether a current date insurance policy corresponding to the vehicle exists according to the identification information;
if the current date insurance policy does not exist, automatically generating the current date insurance policy according to the historical insurance policy information, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with a third party payment platform;
if so, no processing is performed.
2. The method of vehicle insurance application according to claim 1, wherein before receiving identification information of the vehicle uploaded by an OBD in an insurance service background, the method further comprises:
generating a first insurance policy of the vehicle according to the vehicle information and the vehicle owner information;
and generating an automatic deduction protocol of the third-party payment platform according to the authorization of the vehicle owner so as to automatically deduct the premium.
3. The method of vehicle insurance application according to claim 1, wherein said automatically generating a current date policy based on historical policy information further comprises:
acquiring a policy which is the latest time from the current date;
and modifying the latest policy according to the current time of the system to obtain the policy of the current date.
4. The method of claim 1, wherein after the deduction process of the premium corresponding to the current date policy is completed, the method further comprises:
a notice that the payment is successful and the policy is effective is returned to the client corresponding to the user through the third-party payment platform; alternatively, the first and second electrodes may be,
and returning a deduction failure notice to the client corresponding to the user through the third-party payment platform.
5. The method of claim 1, wherein the on-board detection device is an OBD detection device.
6. The method of claim 1, wherein the current date policy comprises a current day policy or a current week policy or a current month policy or a custom period policy.
7. The method of vehicle insurance application according to claim 4, further comprising:
after the policy takes effect, returning the policy of the current date to a client corresponding to the user for displaying, wherein the policy of the current date at least comprises owner information, policyholder information, insured person information, vehicle information and order information; and the number of the first and second electrodes,
and saving the current date insurance policy.
8. An apparatus for insurance of a vehicle, the apparatus comprising:
the safety service background is used for receiving identification information of the vehicle uploaded by the vehicle-mounted detection equipment after the vehicle-mounted detection equipment detects the information of vehicle starting, wherein the identification information comprises a license plate number and/or a frame number;
the inquiry unit is used for inquiring whether a current date insurance policy corresponding to the vehicle exists or not by the insurance service background according to the identification information;
the first generation unit is used for automatically generating a current date insurance policy according to historical insurance policy information if the current date insurance policy does not exist, and automatically completing the deduction processing of the insurance fee corresponding to the current date insurance policy through the butt joint with a third party payment platform;
and an ending unit used for not processing if the current state exists.
9. The system for vehicle insurance application is characterized by comprising an insurance service background, a client, a third party payment platform and vehicle-mounted detection equipment;
the insurance service background is used for executing the method for vehicle insurance application of any one of the claims 1 to 7;
the client is used for receiving vehicle information and vehicle owner information input by a user; receiving a notice that the payment is successful and the policy is effective; receiving a notification of a deduction failure; receiving and displaying a current date insurance policy;
the third-party payment platform is used for receiving the authorization of the user, generating the insurance policy of the current date in the insurance service background and then automatically deducting the insurance fee corresponding to the insurance policy of the current date;
the vehicle-mounted detection equipment is used for detecting vehicle starting information and uploading the acquired identification information of the vehicle to the insurance service background after the vehicle starting information is detected.
10. A non-transitory computer-readable storage medium storing computer instructions that cause a computer to perform the method of insurance of any one of claims 1 to 7.
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| CN202011206583.5A CN112270607A (en) | 2020-10-30 | 2020-10-30 | Method and device for vehicle insurance application |
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| CN202011206583.5A CN112270607A (en) | 2020-10-30 | 2020-10-30 | Method and device for vehicle insurance application |
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| CN112270607A true CN112270607A (en) | 2021-01-26 |
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Application publication date: 20210126 |