CN112351419A - Vehicle insurance method based on non-hardware equipment paying according to actual application - Google Patents
Vehicle insurance method based on non-hardware equipment paying according to actual application Download PDFInfo
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- CN112351419A CN112351419A CN202011440892.9A CN202011440892A CN112351419A CN 112351419 A CN112351419 A CN 112351419A CN 202011440892 A CN202011440892 A CN 202011440892A CN 112351419 A CN112351419 A CN 112351419A
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- 238000005457 optimization Methods 0.000 description 5
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W8/00—Network data management
- H04W8/18—Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data
- H04W8/20—Transfer of user or subscriber data
- H04W8/205—Transfer to or from user equipment or user record carrier
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
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Abstract
The invention discloses a vehicle insurance method based on non-hardware equipment and paying according to actual application, and relates to the technical field of vehicle insurance. After the user finishes the full-flow purchase of the car insurance, the car owner or the family member user installs and registers the corresponding mobile application, the mobile application automatically collects the mobile phone terminal serial code of the user and the imsi number of the sim card, the mobile application is ensured to only correspond to one mobile phone card of one mobile terminal, and the user inputs the vehicle information needing to purchase the car insurance according to the requirement. The vehicle insurance method based on the non-hardware equipment and paying according to the actual application reduces the system popularization cost, does not need customized hardware equipment, reduces the system cost, does not need to install hardware equipment, does not need additional network transmission equipment, and can obtain the cost refund after the commercial insurance limit period of the vehicle insurance expires, namely the risk result is known, the cost refund is taken as the reward of effective safe driving behavior, the reward of advocating green travel, and the effective and reasonable technical landing scheme for encouraging less driving is provided.
Description
Technical Field
The invention relates to the technical field of vehicle insurance, in particular to a vehicle insurance method paying according to actual application based on non-hardware equipment.
Background
Motor vehicle insurance, i.e. automobile insurance, refers to a commercial insurance for paying responsibility for personal casualties or property loss caused by natural disasters or accidents of motor vehicles, and the motor vehicle insurance, i.e. "car insurance", is a transportation means insurance taking the responsibility of the motor vehicles and the third parties as insurance targets, and the insurance clients thereof are mainly legal groups 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 and motorcycles.
The traditional UBI mode vehicle Insurance (user Based Insurance) refers to that vehicle-mounted equipment collects vehicle owner driving behaviors and user driving habit data (acceleration and deceleration, driving tracks, driving areas and the like), the data are transmitted to a background through a vehicle networking, an Insurance company can make relatively accurate measurement on the driving risks of vehicle owners through the data, and the risk level of the vehicle owner driving behaviors is evaluated through big data technology processing, so that the personalized pricing of Insurance fees is realized.
The biggest defect of the scheme is that corresponding vehicle-mounted equipment, different vehicle brands and models and corresponding different equipment need to be installed for each vehicle again, and the vehicle owner needs to be installed on a specified site or the equipment is express-delivered to the vehicle owner for remote guidance installation. In any case, the scheme generates large cost and time cost, so that UBI car insurance can not fall to the ground.
In order to synchronously transmit acquired data to a cloud end in real time, monitoring vehicle-mounted equipment which needs to be installed later needs to have a network transmission function, a vehicle can generate a certain shielding effect on network transmission as a part of metal closed bodies, and simultaneously, internet traffic cost is generated and is difficult to accept by users, so that the using effect is general.
Disclosure of Invention
In view of the deficiencies of the prior art, the present invention provides a method for paying for car insurance according to actual application based on non-hardware devices, so as to solve the problems presented in the background art.
In order to achieve the purpose, the invention provides the following technical scheme: a car insurance method based on non-hardware equipment and paying according to actual application comprises the following steps after a user completes the whole-process purchase of car insurance:
s1, installing and registering corresponding mobile application by the vehicle owner or the family member user;
s2, automatically acquiring the mobile phone terminal serial number of the user and the imsi number of the sim card by the mobile application, and ensuring that the mobile application only corresponds to one mobile phone card of one mobile terminal;
s3, the user inputs the vehicle information of the vehicle insurance needed to be purchased according to the requirement;
s4, binding the mobile phone serial number, the sim card imsi number and the vehicle information;
s5, in the initial period, the user starts the mobile terminal while driving the vehicle;
s6, after the initialization data acquisition is completed, the cloud end generates the unique user center data;
s7, automatically running the mobile application on the mobile phone terminal, and uploading the acquired data to a cloud for service processing by using a network communication module of the mobile terminal;
s8, considering that the mobile terminal may have a situation that network signals are not good to influence data uploading, the system supports two uploading modes, one is an automatic timing or real-time uploading mode, and the other is a manual uploading mode of a user;
s9, considering the limitation of the mobile terminal storage space, through a multilateral confirmation mode, when the confirmation data are uploaded, the local data are automatically cleared only by keeping a certain period, and the space validity of the mobile terminal is ensured; when the space is found to be insufficient, a message is automatically popped up to remind the user;
and S10, minimizing transmission data in consideration of flow and efficiency in a data transmission process.
Further optimizing the technical scheme, in the step S3, the user inputs the vehicle information including the license plate number and the frame number of the vehicle, which requires purchasing the vehicle insurance on demand, so as to ensure that the vehicle can be uniquely identified.
In step S5, the driving behavior and the driving track of the user are collected by a gyroscope, gravity sensing, orientation recognition, and satellite positioning module of the mobile terminal, and are stored locally in the mobile terminal.
Further optimizing the technical scheme, the mobile terminal can automatically process and analyze the driving or stopping state of the user.
Further optimizing the present invention, in step S8, the system sets a stop cycle threshold, and performs merge statistics on cycles exceeding a predetermined threshold.
Further optimizing the technical scheme, in the step S8, the system "automatically" counts the total effective stop time length in the effective period of the vehicle business insurance, matches the stop time period and season according to the optimal reasonable refund algorithm, and determines whether to make a weighting factor and a daily premium factor in a fixed holiday, a busy season of travel, a city region where the vehicle is located, a historical stop and re-travel record and the like, and deducts the known certainty factor of the risk afterwards to convert the corresponding refund amount.
Further optimizing the technical scheme, the dangerous species for stopping comprises: three-person insurance, vehicle damage insurance, glass insurance, driver insurance, passenger insurance, theft emergency, exemption from claim insurance and natural damage insurance.
Compared with the prior art, the invention provides a vehicle insurance method based on non-hardware equipment and paying according to actual application, which has the following beneficial effects:
1. the vehicle insurance method based on the non-hardware equipment and paying according to the actual application reduces the system popularization cost, does not need customized hardware equipment, reduces the system cost, does not need to install the hardware equipment, and does not need additional network transmission equipment.
2. According to the vehicle insurance method based on non-hardware equipment and paying according to actual application, a user can know a risk result and can obtain fee refund after the commercial insurance limit period of the vehicle insurance expires, the fee refund is used as a reward for effective and safe driving behaviors, the reward for advocating green travel is provided, the vehicle insurance method is an effective and reasonable technical landing scheme for encouraging less driving, the pain point of the user who stops the vehicle without paying is effectively improved, and the market popularization value is good.
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Fig. 1 is a schematic flow chart of a pay-per-application car insurance method based on non-hardware devices according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to 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, and not all of 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.
The first embodiment is as follows: please refer to fig. 1: the invention discloses a vehicle insurance method based on non-hardware equipment and paying according to actual application, which comprises the following steps after a user finishes the whole-process purchase of vehicle insurance:
s1, installing and registering corresponding mobile application by the vehicle owner or the family member user;
s2, automatically acquiring the mobile phone terminal serial number of the user and the imsi number of the sim card by the mobile application, and ensuring that the mobile application only corresponds to one mobile phone card of one mobile terminal;
s3, the user inputs the vehicle information of the vehicle insurance needed to be purchased according to the requirement;
s4, binding the mobile phone serial number, the sim card imsi number and the vehicle information;
s5, in the initial period, the user starts the mobile terminal while driving the vehicle;
s6, after the initialization data acquisition is completed, the cloud end generates the unique user center data;
s7, automatically running the mobile application on the mobile phone terminal, and uploading the acquired data to a cloud for service processing by using a network communication module of the mobile terminal;
s8, considering that the mobile terminal may have a situation that network signals are not good to influence data uploading, the system supports two uploading modes, one is an automatic timing or real-time uploading mode, and the other is a manual uploading mode of a user;
s9, considering the limitation of the mobile terminal storage space, through a multilateral confirmation mode, when the confirmation data are uploaded, the local data are automatically cleared only by keeping a certain period, and the space validity of the mobile terminal is ensured; when the space is found to be insufficient, a message is automatically popped up to remind the user;
and S10, minimizing transmission data in consideration of flow and efficiency in a data transmission process.
As a specific optimization scheme of the present invention, in step S3, the user inputs the vehicle information, including the license plate number and the frame number, of the vehicle that needs to purchase the vehicle insurance on demand, so as to ensure that the vehicle can be uniquely identified.
As a specific optimization scheme of the present invention, in step S5, driving behavior habits and driving trajectories of the user are collected by using the functions of a gyroscope, gravity sensing, orientation recognition and satellite positioning of the mobile terminal, and are stored locally in the mobile terminal.
As a specific optimization scheme of the invention, the mobile terminal can automatically process and analyze the driving or stopping state of the user.
As a specific preferred embodiment of the present invention, in step S8, the system sets a stop cycle threshold, and performs merge statistics on cycles exceeding a predetermined threshold.
As a specific optimization scheme of the present invention, in step S8, the system "automatically" counts the total effective stop time length in the effective period of the vehicle business insurance, and matches the stop time period and season according to the optimal reasonable refund algorithm, and determines whether to make a weighting factor and a daily premium factor in a fixed holiday, a busy season of travel, a city region where the vehicle is located, a historical stop and re-trip record, etc., and deducts the known certainty factor of the risk afterwards to convert the corresponding refund amount.
As a specific optimization scheme of the present invention, the dangerous species for stopping comprises: three-person insurance, vehicle damage insurance, glass insurance, driver insurance, passenger insurance, theft emergency, exemption from claim insurance and natural damage insurance.
The system comprises a background logic processing scheme:
1. automatically processing and analyzing the driving or stopping state of the user;
2. the system sets a stop cycle threshold value, and carries out merging statistics on cycles exceeding the specified threshold value;
3. the system automatically counts the total effective stop time length in the effective period of the commercial insurance of the vehicle, matches stop time periods and seasons, determines weight factors and daily premium factors according to an optimal reasonable refund algorithm, determines whether the vehicle is in a fixed holiday, a busy season of travel, a city region where the vehicle is located, a historical stop and re-trip record and the like, deducts the known determinacy factors of the risk after the event, and converts the corresponding refund amount;
4. the user can pay for the fee and pay for the cash by applying for the fee for several times or once.
In summary, the following steps: the vehicle insurance method based on the non-hardware equipment and paying according to the actual application does not need to install any hardware equipment, and monitors the using behavior of the vehicle by relying on the mobile application; the user does not need to sense the operation and does not need to specify a stop cycle, and the system automatically completes the calculation of all refund amounts; and an optimal reasonable fee refunding algorithm protects a fee refunding calculation model.
The invention has the beneficial effects that: the system popularization cost is reduced, customized hardware equipment is not needed, the system cost is reduced, hardware equipment does not need to be installed, additional network transmission equipment is not needed, a user knows a risk result after the business risk limit period of the car insurance expires, the user can obtain fee refund, the user is used as a reward for effective safe driving behavior, the reward for promoting green travel is provided, the effective and reasonable technology landing scheme for encouraging less driving is provided, the user pain point of 'stopping without fee stopping' is effectively improved, and the market popularization value is good.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (7)
1. A car insurance method based on non-hardware equipment and paying according to actual application is characterized in that after a user completes the whole-process purchase of the car insurance, the method comprises the following steps:
s1, installing and registering corresponding mobile application by the vehicle owner or the family member user;
s2, automatically acquiring the mobile phone terminal serial number of the user and the imsi number of the sim card by the mobile application, and ensuring that the mobile application only corresponds to one mobile phone card of one mobile terminal;
s3, the user inputs the vehicle information of the vehicle insurance needed to be purchased according to the requirement;
s4, binding the mobile phone serial number, the sim card imsi number and the vehicle information;
s5, in the initial period, the user starts the mobile terminal while driving the vehicle;
s6, after the initialization data acquisition is completed, the cloud end generates the unique user center data;
s7, automatically running the mobile application on the mobile phone terminal, and uploading the acquired data to a cloud for service processing by using a network communication module of the mobile terminal;
s8, considering that the mobile terminal may have a situation that network signals are not good to influence data uploading, the system supports two uploading modes, one is an automatic timing or real-time uploading mode, and the other is a manual uploading mode of a user;
s9, considering the limitation of the mobile terminal storage space, through a multilateral confirmation mode, when the confirmation data are uploaded, the local data are automatically cleared only by keeping a certain period, and the space validity of the mobile terminal is ensured; when the space is found to be insufficient, a message is automatically popped up to remind the user;
and S10, minimizing transmission data in consideration of flow and efficiency in a data transmission process.
2. The method for paying for vehicle according to actual application based on non-hardware device of claim 1, wherein in step S3, the user inputs the vehicle information required to purchase the vehicle insurance on demand, including license plate number and frame number, to ensure the vehicle is uniquely identifiable.
3. The method for paying the vehicle insurance according to the actual application based on the non-hardware device of claim 1, wherein in the step S5, the driving behavior habit and the driving track of the user are collected by using a gyroscope, gravity sensing, orientation recognition and satellite positioning module carried by the mobile terminal and stored locally in the mobile terminal.
4. The method as claimed in claim 1, wherein the mobile terminal can automatically process and analyze the driving or stopping status of the user.
5. The method for paying for vehicle insurance based on non-hardware device according to claim 1, wherein in step S8, the system sets a threshold value of the stop driving period, and performs the combination statistics for the periods exceeding the specified threshold value.
6. The method for vehicle insurance based on non-hardware device paying according to actual application as claimed in claim 1, wherein in step S8, the system "automatically" counts the total effective stop time length in the effective period of vehicle business insurance, and matches the stop time period, season, whether the fixed holiday, tour season, city region, historical stop and re-trip record, etc. are used as weighting factor and daily premium factor according to the optimal reasonable refund algorithm, and deducts the known certainty factor of the risk afterwards to convert the corresponding refund amount.
7. The method of claim 1, wherein the risk of parking comprises: three-person insurance, vehicle damage insurance, glass insurance, driver insurance, passenger insurance, theft emergency, exemption from claim insurance and natural damage insurance.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
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| CN202010489441 | 2020-06-02 | ||
| CN2020104894418 | 2020-06-02 |
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| CN112351419A true CN112351419A (en) | 2021-02-09 |
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Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN204695407U (en) * | 2015-06-25 | 2015-10-07 | 南京特嗨网络科技有限公司 | Car insurance charge system |
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| CN106780042A (en) * | 2016-09-05 | 2017-05-31 | 中国人民财产保险股份有限公司 | Driving behavior data acquisition and evaluation method based on Intelligent mobile equipment |
| WO2018028069A1 (en) * | 2016-08-11 | 2018-02-15 | 深圳市元征科技股份有限公司 | Safe driving evaluation method and system based on vehicle-mounted intelligent unit |
-
2020
- 2020-12-07 CN CN202011440892.9A patent/CN112351419A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN204695407U (en) * | 2015-06-25 | 2015-10-07 | 南京特嗨网络科技有限公司 | Car insurance charge system |
| CN105389985A (en) * | 2015-11-16 | 2016-03-09 | 北京智视信息科技有限公司 | Intelligent driving behavior analysis method based on mobile phone sensor |
| CN105374211A (en) * | 2015-12-09 | 2016-03-02 | 敏驰信息科技（上海）有限公司 | System and method for calculating driving risks and assisting automobile insurance pricing based on multi-source data |
| CN105812571A (en) * | 2016-04-26 | 2016-07-27 | 上海保橙网络科技有限公司 | Method for automatically judging user driving behavior by using mobile phone |
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