CN112767174A

CN112767174A - Vehicle insurance application method, device, terminal, server and storage medium

Info

Publication number: CN112767174A
Application number: CN201911002747.XA
Authority: CN
Inventors: 周腾骏; 陈贤博; 张文涛; 桂晓伟; 黄逸; 郑国弘; 陈冲
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-10-21
Filing date: 2019-10-21
Publication date: 2021-05-07
Anticipated expiration: 2039-10-21
Also published as: CN112767174B

Abstract

The application discloses a vehicle insurance application method, device, terminal, server and storage medium, and belongs to the technical field of internet. The method comprises the following steps: when the vehicle is detected to enter a specified road, sending a first notification message for starting recording the insurance guarantee time of the vehicle to the social application server, wherein each user on the vehicle can enjoy the guarantee in the insurance guarantee time; and when the vehicle is detected to run out of the specified road, sending a second notification message for stopping recording the insurance guarantee time of the vehicle to the social application server, and sending a policy generation request to the insurance server after carrying out numerical value transfer based on the insurance guarantee time so that the insurance server sends the policy information generated for the vehicle to the terminal. According to the method and the system, the vehicle is automatically guaranteed when driving into the specified road, so that each user on the vehicle can enjoy the guarantee, and corresponding insurance fees are deducted according to the recorded insurance guarantee time when driving out of the specified road, so that the expected insurance effect is well achieved.

Description

Vehicle insurance application method, device, terminal, server and storage medium

Technical Field

The present application relates to the field of internet technologies, and in particular, to a method, an apparatus, a terminal, a server, and a storage medium for vehicle insurance application.

Background

In recent years, vehicles have been widely spread throughout the world, and many users often choose to drive vehicles to go out on roads such as expressways, but when driving or riding the vehicles on roads such as expressways, some accidents may occur on the vehicles, and the vehicles can be protected in order to reduce the loss caused by the accidents.

At present, the mode of vehicle insurance is: before the vehicle is driven to travel, the insurant insuranties the insured person in an annual payment mode, and the insured person can enjoy insurance guarantee when driving or riding the vehicle to travel in the period that the insurance is effective.

However, in a scene of an accident occurring in a vehicle, a person in the vehicle may not be a insured person of the vehicle, and at this time, the person in the accident cannot enjoy the insurance, and thus, the existing vehicle insurance method is difficult to achieve the expected insurance effect.

Disclosure of Invention

In order to solve the problems of the related art, embodiments of the present application provide a method, an apparatus, a terminal, a server, and a storage medium for vehicle insurance application. The technical scheme is as follows:

in one aspect, a method of vehicle insurance is provided, the method comprising:

sending a first notification message to a social application server, wherein the first notification message is sent when a vehicle is detected to enter a specified road under the scene that an authorization-free insurance application service is opened, the first notification message is used for the social application server to start recording insurance guarantee time when the vehicle runs on the specified road, and each user on the vehicle can enjoy the guarantee within the insurance guarantee time;

sending a second notification message to the social application server, wherein the second notification message is sent when the vehicle is detected to exit the specified road, the second notification message is used for the social application server to stop recording insurance guarantee time when the vehicle runs on the specified road, to perform numerical value transfer based on the recorded insurance guarantee time, and to send a policy generation request to an insurance server when a numerical value transfer success message is generated, and the policy generation request is used for the insurance server to generate policy information for the vehicle and send the policy information to a terminal;

and receiving the policy information sent by the insurance server.

In another aspect, a method of vehicle insurance is provided, the method comprising:

when a first notification message sent by a terminal is received, starting to record insurance guarantee time when a vehicle runs on a specified road, wherein the first notification message is sent when the terminal detects that the vehicle enters the specified road under the scene that an authorization-free insurance service is opened, and each user on the vehicle can enjoy guarantee in the insurance guarantee time;

when a second notification message sent by the terminal is received, stopping recording insurance guarantee time when the vehicle runs on a specified road;

transferring the value according to the recorded insurance guarantee time;

and when the value transfer success message is generated, sending a policy generation request to an insurance server, wherein the policy generation request is used for the insurance server to generate policy information for the vehicle and sending the policy information to the terminal.

receiving a policy generation request sent by a social application server, wherein the policy generation request is sent when the social application server carries out numerical value transfer based on the recorded insurance guarantee time to generate a numerical value transfer success message under the scene that a terminal opens an authorization-free insurance application service, and each user on the vehicle can enjoy the guarantee within the insurance guarantee time;

generating policy information based on the policy generation request;

and sending the policy information to the terminal.

In another aspect, there is provided an apparatus for vehicle insurance, the apparatus comprising:

the system comprises a sending module, a receiving module and a processing module, wherein the sending module is used for sending a first notification message to a social application server, the first notification message is sent when a vehicle is detected to enter a specified road under the scene that an authorization-free insurance application service is opened, the first notification message is used for the social application server to start recording the insurance guarantee time when the vehicle runs on the specified road, and each user on the vehicle can enjoy the guarantee within the insurance guarantee time;

the sending module is configured to send a second notification message to the social application server, where the second notification message is sent when the vehicle is detected to exit the specified road, the second notification message is used for the social application server to stop recording insurance guarantee time when the vehicle travels on the specified road, perform numerical value transfer based on the recorded insurance guarantee time, send a policy generation request to an insurance server when a numerical value transfer success message is generated, and the policy generation request is used for the insurance server to generate policy information for the vehicle and send the policy information to a terminal;

and the receiving module is used for receiving the insurance policy information sent by the insurance server.

the system comprises a recording module, a processing module and a processing module, wherein the recording module is used for starting to record insurance guarantee time when a vehicle runs on a specified road when receiving a first notification message sent by a terminal, the first notification message is sent when the terminal detects that the vehicle runs into the specified road under the scene that an authorization-free insurance application service is opened, and each user on the vehicle can enjoy guarantee within the insurance guarantee time;

the recording module is used for stopping recording the insurance guarantee time when the vehicle runs on the specified road when receiving the second notification message sent by the terminal;

the numerical value transfer module is used for transferring numerical values according to the recorded insurance guarantee time;

and the sending module is used for sending a policy generation request to an insurance server when the value transfer success message is generated, wherein the policy generation request is used for the insurance server to generate policy information for the vehicle and send the policy information to the terminal.

the system comprises a receiving module and a processing module, wherein the receiving module is used for receiving a policy generation request sent by a social application server, the policy generation request is sent when the social application server carries out numerical value transfer based on recorded insurance guarantee time to generate a numerical value transfer success message under the scene that a terminal opens an authorization-free insurance application service, and each user on the vehicle enjoys guarantee within the insurance guarantee time;

the information generation module is used for generating policy information based on the policy generation request;

and the sending module is used for sending the policy information to the terminal.

In another aspect, a terminal is provided, the terminal comprising a processor and a memory, the memory having at least one program code stored therein, the at least one program code being loaded into and executed by the processor to implement a method of vehicle insurance application in one aspect.

In another aspect, a server is provided, the server comprising a processor and a memory, the memory having at least one program code stored therein, the at least one program code being loaded into and executed by the processor to implement the method of vehicle insurance of another aspect.

In another aspect, a computer readable storage medium having stored therein at least one program code, which is loaded and executed by a processor, to implement a method of vehicle insurance, on one hand, or a method of vehicle insurance, on the other hand, is provided.

The technical scheme provided by the embodiment of the application has the following beneficial effects:

by automatically applying insurance to the vehicle when the vehicle enters the designated road, deducting the corresponding insurance fee according to the recorded insurance guarantee time when the vehicle exits the designated road, and adopting the unknown insurance application mode, each user on the vehicle can enjoy the guarantee, thereby well achieving the expected insurance effect. In addition, the insurance application mode does not need a user to actively buy insurance products before the vehicle drives into the specified road in advance, and is simple and quick. Moreover, insurance belongs to service type products, and the insurance application mode is adopted, so that the user is prevented from being in a state of paying first and then enjoying guarantee for a long time, and the experience effect of the user is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a schematic illustration of an implementation environment in which a method of vehicle insurance application provided by an embodiment of the present application is implemented;

FIG. 2 is a schematic diagram of another implementation environment related to a method for vehicle insurance application provided by an embodiment of the application;

FIG. 3 is a flow chart of a method for vehicle insurance application provided by an embodiment of the present application;

FIG. 4 is a schematic diagram of a vehicle pass privacy-free payment interface provided by an embodiment of the present application;

FIG. 5 is a schematic diagram of an insurance details interface provided by an embodiment of the present application;

FIG. 6 is a schematic diagram of a policy filling interface provided by an embodiment of the present application;

FIG. 7 is a schematic diagram of an unauthorized application confirmation interface provided by an embodiment of the present application;

FIG. 8 is a schematic diagram of an unauthorized access success interface according to an embodiment of the present disclosure;

FIG. 9 is a flowchart illustrating the opening of an unauthorized application service according to an embodiment of the present disclosure;

FIG. 10 is a schematic illustration of an application vehicle detail interface provided by an embodiment of the present application;

FIG. 11 is a flowchart illustrating a generation process of policy information according to an embodiment of the present application;

FIG. 12 is a schematic structural diagram of an apparatus for vehicle insurance application provided by an embodiment of the present application;

FIG. 13 is a schematic structural diagram of another vehicle insurance device provided by an embodiment of the present application;

FIG. 14 is a schematic structural diagram of another vehicle insurance device provided by an embodiment of the present application;

fig. 15 is a block diagram illustrating a terminal according to an exemplary embodiment of the present application;

FIG. 16 is an illustration of a server for vehicle insurance application, in accordance with an exemplary embodiment.

Detailed Description

To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

In order to reduce the loss caused by accidents of vehicles, the vehicles are mainly guaranteed by means of annual purchasing and anonymous guaranteeing aiming at the unexpected scenes such as high-speed traveling and the like. However, this approach has several drawbacks: 1) because of the name-recording insurance-applying mode, under the scene of an accident of the vehicle, the personnel on the vehicle may not be the insured person of the vehicle, and the personnel in the accident can not enjoy the insurance guarantee; 2) the insurance purchased by year has long coverage time, but the relative purchase amount is relatively high, and the purchase proportion of the user is not high; 3) the mode of applying insurance according to the year is adopted, the user is required to actively purchase insurance in advance, the user is in a state of paying first and then enjoying guarantee for a long time, the insurance belongs to a service type product, and the experience effect of the user is poor in the mode.

According to the method and the system, under the scene that the vehicle opens the authorization-free insurance application service, when the vehicle enters the designated road sections such as the expressway, the accident insurance is automatically applied to the vehicle in an anonymous mode, and each member in the vehicle is ensured to enjoy the insurance guarantee. When the user drives away from the appointed road sections such as the expressway and the like, the corresponding fee is deducted, so that the user can enjoy the state of guaranteeing and then paying. In addition, the system is purchased aiming at the scene with high accident occurrence, the system is not purchased according to the year, the insurance amount is relatively small, the purchase intention of the user is relatively strong, the purchase proportion is relatively high, the system is close to the user demand, the user guarantee is truly provided, and the user experience is greatly improved.

In the field of internet technology, a social application server has multiple functions such as value transfer, communication, vehicle traffic management, and the like, and the social application server may be a computing device and a computer cluster formed by multiple computing devices, and when the social application server is a computer cluster formed by multiple computing devices, each computing device may assume a function of a common social application server. The implementation environment related to the method for vehicle insurance application provided by the embodiment of the application has two cases of fig. 1 and fig. 2 with respect to the composition structure of the social application server.

When the social application server 102 is a computing device integrated with multiple functions of value transfer, communication, vehicle traffic management, and the like, referring to fig. 1, the implementation environment includes: a terminal 101, a social application server 102 and an insurance server 103. The terminal 101 may be a smart phone, a desktop computer, a notebook computer, a tablet computer, and the like, and the product type of the terminal 101 is not specifically limited in this embodiment. In order to meet the communication requirements of the user, a variety of social applications are installed in the terminal 101, and based on the installed social applications, the terminal 101 may obtain services from the social application server 102.

The insurance server 103 may provide insurance services for the vehicle.

The terminal 101 may communicate with the social application server 102 through a wired network or a wireless network, the social application server 102 may communicate with the insurance server 103 through a wired network or a wireless network, and the terminal 101 may communicate with the insurance server 103 through a wired network or a wireless network.

When the social application server is a computer cluster formed by a plurality of computing devices such as a value transfer server, a vehicle traffic management server and the like, referring to fig. 2, the implementation environment includes: a terminal 101, a vehicle passage management server 104, a value transfer server 105, and an insurance server 103. The terminal 101 has the same function as the terminal 101 shown in fig. 1, and the insurance server 103 has the same function as the insurance server 103 shown in fig. 1, and the details are not repeated here. The vehicle passing management server 104 makes quick payment by calling the value transfer server when the vehicle passes through the specified road section. The value transfer server 104 has a value transfer function, can transfer values among different users and between the users and an insurance party, and sends a policy generation request to the insurance server 103 when receiving a value transfer success message, so as to trigger the insurance server 103 to generate policy information and send the policy information to the terminal 101; the value transfer server 104 also has an authorization function, and can open an authorization-free insurance application service when receiving an authorization-free insurance application request sent by a terminal.

The terminal 101 may communicate with the vehicle passage management server 104 through a wired network or a wireless network, the vehicle passage management server 104 may communicate with the value transfer server 105 through a wired network or a wireless network, the value transfer server 105 may communicate with the insurance server 103 through a wired network or a wireless network, and the terminal 101 may communicate with the insurance server 103 through a wired network or a wireless network.

Based on the implementation environment shown in fig. 1, an embodiment of the present application provides a vehicle insurance application method, and referring to fig. 3, a flow of the method provided by the embodiment of the present application includes:

301. and the terminal sends an authorization-free insurance application request to the social application server.

Considering that insurance is a service type product, a user needs to pay certain use cost, and in order to realize that the vehicle can be automatically applied with insurance when driving into a specified road, a terminal side user needs to authorize the application process. In performing the authorization process, the terminal may send an authorization-exempt application request to the social application server. The authorization-free insurance application request comprises vehicle attribute information, applicant information and the like. The vehicle attribute information includes a license plate number, a seat number (e.g., 2 seats, 4 seats, 7 seats, etc.), and a usage property (including operational and non-operational). The applicant information includes name, mobile phone number, identification number, etc. In order to avoid the situation that the applicant cannot be contacted in an emergency, the request for unauthorized application may further include information of the emergency contact, such as the name of the emergency contact, the mobile phone number of the emergency contact, and the like.

Before sending the authorization-free insurance application request to the social application server, the terminal can firstly start the vehicle passing password-free payment function, and when the function is started, the terminal can send the authorization-free insurance application request to the social application server by operating on different interfaces. The specific sending process comprises the following steps:

3011. and the terminal displays a vehicle passing password-free payment interface.

The vehicle passing secret-free payment interface is displayed with insurance application options, license plate numbers and the like which open the vehicle passing secret-free payment function are also displayed, and each license plate number which opens the vehicle passing secret-free payment function corresponds to one insurance application option. If the vehicle does not open the authorization-free insurance application service, the authorization-free insurance application service can be opened by clicking the option and executing the corresponding opening process. For example, in the vehicle transit privacy payment interface shown in fig. 4, the license plate numbers of the vehicles displayed on the interface are jing b.23, yue b.666 and su a.l1, and each license plate number corresponds to one insurance application option, wherein the license plate numbers jing b.23 and yue b.666 do not open the privacy application service, and the license exemption application service can be opened for the vehicles of the license plates jing b.23 and yue b.666 by clicking the corresponding insurance application options of the license plates.

3012. And when the click operation on the insurance application option is detected, the terminal displays an insurance detail interface.

Wherein, insurance detail interface displays insurance affirmation option, and also displays insurance content, insurance limit, paying flow, non-secret deduction description, etc. For example, the insurance detail interface shown in fig. 5 displays guaranteed content, insurance application limit, guarantee limit, claim process, deduction free description, etc., wherein the guarantee content includes 20 ten thousand per seat of accidental personal disability and disability payment amount, 105 ten thousand per seat of emergency rescue service payment amount, 2 ten thousand per seat of driving accidental medical payment amount, etc.; the insurance application limit comprises two types of vehicles below 7 seats and non-operation vehicles; the guarantee limit includes an effective road (high speed in cooperation with a passing e-car payment) and an insurance validity period (insurance is valid after 3 hours on the high speed road) and the like. The method comprises the following steps: step one, dialing hotline telephone reports to cooperate with reasonable investigation and applying for emergency medical rescue and consultation; secondly, providing accident data; thirdly, waiting for the insurance company to determine loss and reason; and fourthly, waiting for the claim money. The toll free description includes supported roads, charging criteria, etc.

3013. And when the clicking operation on the insurance application confirmation option is detected, the terminal displays the insurance policy filling interface.

The insurance policy filling interface displays an authorization-free opening option, and also displays an input box of vehicle attribute information, an input box of insurance applicant information, an input box of emergency contact information and the like. For example, fig. 6 shows a policy filling interface on which input boxes such as license plate numbers, seat numbers, and use properties of the guaranteed vehicles are displayed, input boxes such as names, cell phone numbers, and identification numbers of the insurers, and names, cell phone numbers, and the like of the emergency contacts are displayed.

3014. And when the click operation of the authorization-free opening option is detected, displaying an authorization-free application confirmation interface.

The authorization-free insurance application confirmation interface displays an authorization-free insurance application agreement option and can also display the name of an insurance party, an account number of an insurance application user, insurance application content, a payment mode and the like. For example, fig. 7 shows an unauthorized application confirmation interface with the name of the insurer displayed thereon: shenzhen division of insurance; the user account number is as follows: content of package: after the premium is calculated according to the entering or leaving high speed, the premium is automatically deducted by WeChat payment for 0.39 yuan/time/3 hours, and the calculation is carried out for 0.59 yuan/3 hours in a subsequent time period exceeding 3 hours, so that the premium can be solved at any time; fee deduction mode: and the postal savings card also displays the option of consent to the unauthorized application.

3015. And when the click operation of the authorization-free application agreement option is detected, the terminal sends an authorization-free application request to the social application server.

When the clicking operation of the authorization-free insurance agreement option is detected, the terminal acquires vehicle attribute information, insurance applicant attribute information and the like which are filled in by a user on a policy filling interface, and sends an authorization-free insurance request containing the information to the social application server to trigger the social application server to open an authorization-free insurance service.

302. And when an authorization-free insurance application request sent by the terminal is received, the social application server opens an authorization-free insurance application service for the vehicle and generates an authorization success message.

When an authorization-free application request sent by a terminal is received, the social application server opens an authorization-free application service for the vehicle through service processing, and generates an authorization success message after the authorization-free application service is opened, wherein the authorization success message comprises vehicle attribute information, application user information and the like.

303. And the social application server sends authorization success information to the insurance server.

After generating the authorization success message, the social application server sends the authorization success message to the insurance server through the wired network or the wireless network.

304. And when receiving the authorization success information sent by the social application server, the insurance server stores the authorization success information, sets the state of the vehicle to a pre-generated policy state, and sends a storage success message to the social application server.

For subsequent applications, the insurance server will also store the authorization success message when receiving the authorization success message sent by the social application server. Specifically, the authorization success message may be stored in a local memory of the insurance server, where the local memory is at least one of a volatile memory (e.g., a memory) and a non-volatile memory (e.g., a hard disk).

Further, after successfully storing the authorization success message, the insurance server sets the state of the vehicle to a pre-generated policy state and sends a storage success message to the social application server.

305. And when receiving the storage success message, the social application server sends an opening success message to the terminal.

And the opening success message is used for prompting that the terminal opens the authorization-free application service.

306. And when the opening success message is received, the terminal confirms that the authorization-free application service is opened.

And when the opening success message is received, the terminal displays the opening success message on the authorization opening success interface to prompt the user that the authorization-free insurance application service is opened. For example, referring to the authorization opening success interface shown in fig. 8, an opening success message is displayed on the authorization opening success interface to prompt the user that the policy is to be automatically generated every time the user passes through the e-car payment high speed.

307. The terminal sends a first notification message to the social application server.

Under the scene that the authorization-free insurance application service is opened, when the fact that a vehicle enters a specified road is detected, the terminal generates a first notification message and sends the first notification message to the social application server. Wherein, the designated road is a road supporting the authorization-free insurance application service. The first notification message includes vehicle attribute information, insurance user information, and the like.

308. When a first notification message sent by the terminal is received, the social application server starts to record insurance guarantee time when the vehicle runs on a specified road.

When the first notification message is received, the social application server starts to record the insurance guarantee time when the vehicle runs on the specified road by taking the time when the vehicle runs on the specified road as the starting time, wherein the insurance guarantee time is the time when the user drives or rides the vehicle to run on the specified road to enjoy the insurance guarantee, and each user in the vehicle enjoys the insurance guarantee in the insurance guarantee time.

309. The terminal sends a second notification message to the social application server.

When the fact that the vehicle exits the specified road is detected, the fact that the vehicle does not have an accident on the specified road is indicated, at the moment, the terminal can generate a second notification message and send the second notification message to the social application server. Wherein the second notification message includes vehicle attribute information, insurance user information, and the like.

310. And when receiving a second notification message sent by the terminal, the social application server stops recording the insurance guarantee time when the vehicle runs on the specified road, and performs numerical value transfer according to the recorded insurance guarantee time.

And when receiving a second notification message sent by the terminal, the social application server stops recording the insurance guarantee time when the vehicle runs on the specified road, determines the insurance guarantee time when the vehicle runs on the specified road according to the insurance guarantee time when the vehicle starts to be recorded and the insurance guarantee time when the vehicle stops to be recorded, determines the insurance fee of the vehicle according to the recorded insurance guarantee time and the charging standard, and then performs numerical value transfer according to the insurance fee of the vehicle. For example, the charging standard is set such that the insurance guarantee time is equal to or less than 3 hours and the premium is 0.39 yuan, the premium is 0.98 yuan for more than 3 hours and less than 6 hours, subsequent periods exceeding 6 hours are accumulated according to 0.59 yuan/3 hours, and when the insurance guarantee time is determined to be 5 hours, the premium is determined to be 0.98 yuan.

In the above description, taking the example that the vehicle enters from the designated road and safely exits from the designated road, in addition to the above, the following situations are also included:

in the first case, the vehicle does not enter the designated road, but exits the designated road.

For the first case, each user on the vehicle may also enjoy insurance, and the start time of the insurance guarantee time may be the driving-off time minus the preset time, and the end time may be the driving-off time. The preset time may be determined according to the length of the specified road and the running speed of the vehicle, or may be a set time, for example, 3 hours.

In the second case, the vehicle enters on the specified road but does not exit on the specified road.

For the second case, each user on the vehicle may also enjoy insurance, the starting time of the insurance guarantee time may be the driving time, the ending time may be the time when the vehicle stops driving, and the entire insurance guarantee time is the driving time of the vehicle.

In the third case, a vehicle enters on a designated road, but an accident occurs before exiting the designated road.

For the third case, the terminal does not need to pay premium and can directly send a claim settlement request to the insurance server. The claim settlement request comprises vehicle attribute information, relevant data of accidents and the like. The claim settlement request is used for requesting the insurance party to settle the claim for the accident.

Of course, in addition to collecting the premium according to time periods, the premium can be collected according to actual conditions. For example, the premium is charged in a preset percentage according to the fee charged when the vehicle travels on a specified section of a highway or the like. Wherein the preset percentage may be 1%, 2%, etc. For example, if the designated section is an expressway, the toll paid for driving out of the expressway is 100 yuan, and the preset percentage is 1%, the premium is 1 yuan.

311. When the value transfer success message is generated, the social application server sends a policy generation request to the insurance server.

In the value transfer process, when the value transfer success message is generated, the social application server sends a policy generation request to the insurance server, the policy generation request including vehicle attribute information, the transferred value, insurance guarantee time, and the like.

312. And when receiving a policy generation request sent by the social application server, the insurance server generates policy information based on the policy generation request and sends the policy information to the terminal.

When receiving a policy generation request sent by the social application server, the insurance server generates policy information according to the policy generation request, wherein the policy information may also include vehicle attribute information, transferred numerical values, insurance guarantee time and the like.

And when receiving the policy information sent by the insurance server, the terminal displays the policy information to prompt the user that the insurance process is finished.

In order to enable the user to have more choices, the method provided by the embodiment of the application also supports the user to remove the opened authorization-free insurance application service. Specifically, in the running process of the vehicle on the specified road, when the click operation of the insurance state release option on the detail interface of the insurance vehicle is detected, the terminal can send an insurance state release request to the social application server, when the insurance state release request is received, the social application server closes the authorization-free insurance application service of the vehicle, and sends a third notification message to the insurance server, wherein the third notification message is used for prompting the user to pay the insurance fee or release the pre-generated insurance policy state of the vehicle according to the insurance fee payment condition of the vehicle. Specifically, if the vehicle has paid a premium, the pre-generated policy state of the vehicle is directly released; and if the vehicle has the unpaid premium, sending prompt information to the terminal to prompt the user to pay the premium. For example, referring to the insurance vehicle details interface shown in fig. 9, the insurance license plate number, the type, the insurance status release option, and the like of the insured vehicle are displayed on the insurance detail interface, and the opened unauthorized insurance service can be released by clicking the insurance status release option.

For the example that the implementation environment includes the terminal, the social application server, and the insurance server, and the vehicle insurance method is executed through interaction among the terminal, the social application server, and the insurance server, when the implementation environment includes the terminal, the vehicle passage management server, the value transfer server, and the insurance server, for the vehicle insurance process, see fig. 10 and 11. Fig. 10 is a secret-free authorization process, and fig. 11 is a policy information generation process.

Referring to fig. 10, a terminal acquires vehicle attribute information, insurance user information and the like added by a user, and based on the acquired information, sends an authorization-free insurance application request to a vehicle management server by clicking an authorization-free insurance application approval option, when receiving the authorization-free insurance application request, a vehicle pass server calls a secret-free authorization interface to trigger a value transfer server to perform service processing to generate an authorization success message, returns the authorization success message, and when receiving the authorization success message, the vehicle pass management server sends the authorization success message to an insurance management server. The insurance server stores the authorization success message and returns the storage success message. And when the successful storage message is received, the vehicle passing management server sends an opening success message to the terminal, and when the successful opening message is received, the terminal confirms that the authorization-free insurance application service is opened.

Referring to fig. 11, after a vehicle enters an expressway and license plate recognition is performed, a terminal sends a first notification message to a vehicle passage management server to notify the vehicle passage management server to start recording insurance guarantee time, and when it is detected that the vehicle leaves the expressway, the terminal sends a second notification message to the vehicle passage management server to notify the vehicle passage management server to stop recording insurance guarantee time. And the vehicle traffic management server calls the password-free payment interface according to the recorded insurance guarantee time to trigger the numerical value transfer server to carry out numerical value transfer to obtain a numerical value transfer success message, and when the numerical value transfer success message is received, the vehicle traffic management server calls the insurance information completion interface to send a policy generation request to the insurance server to request the insurance server to generate policy information. After generating the policy information, the insurance server sends the policy information to the terminal in a short message mode and the like so as to prompt the insurance process.

The method provided by the embodiment of the present application may be applied to driving scenes of various vehicles, for example, may be applied to driving scenes of automobiles on expressways, and may also be applied to driving scenes of shared single vehicles on urban roads.

According to the method provided by the embodiment of the application, the insurance is automatically applied to the vehicle when the vehicle drives into the specified road, the corresponding insurance fee is deducted according to the recorded insurance guarantee time when the vehicle drives out of the specified road, and each user on the vehicle can enjoy the guarantee by adopting the unnamed insurance application mode, so that the expected insurance guarantee effect is well achieved. In addition, the insurance application mode does not need a user to actively buy insurance products before the vehicle drives into the specified road in advance, and is simple and quick. Moreover, insurance belongs to service type products, and the insurance application mode is adopted, so that the user is prevented from being in a state of paying first and then enjoying guarantee for a long time, and the experience effect of the user is improved.

Referring to fig. 12, an embodiment of the present application provides an apparatus for vehicle insurance, including:

the sending module 1201 is used for sending a first notification message to the social application server, wherein the first notification message is sent when the fact that the vehicle enters the specified road is detected in the scene that the authorization-free insurance application service is opened, the first notification message is used for enabling the social application server to start recording insurance guarantee time when the vehicle drives on the specified road, and each user on the vehicle can enjoy guarantee in the insurance guarantee time;

the sending module 1201 is used for sending a second notification message to the social application server, wherein the second notification message is sent when the fact that the vehicle exits the specified road is detected, the second notification message is used for the social application server to stop recording insurance guarantee time when the vehicle runs on the specified road, numerical value transfer is carried out based on the recorded insurance guarantee time, a policy generation request is sent to the insurance server when a numerical value transfer success message is generated, and the policy generation request is used for the insurance server to generate policy information for the vehicle and send the policy information to the terminal;

the receiving module 1202 is configured to receive policy information sent by the insurance server.

In another embodiment of the present application, the apparatus further comprises:

a sending module 1201, configured to send an authorization-free insurance application request to a social application server, where the authorization-free insurance application request is used for the social application server to open an authorization-free insurance service for a vehicle, generate an authorization success message, and send the authorization success message to an insurance server, where the insurance server stores the authorization success message, sets a state of the vehicle to a pre-generated policy state, and sends a storage success message to the social application server, where the storage success message is used for the social application server to send an opening success message to a terminal;

and the confirmation module is used for confirming that the authorization-free insurance application service is opened when the opening success message is received.

the display module is used for displaying a vehicle passing secret-free payment interface, and insurance application options are displayed on the vehicle passing secret-free payment interface;

the display module is used for displaying an insurance detail interface when the clicking operation on the insurance application option is detected, wherein an application confirmation option is displayed on the insurance detail interface;

the display module is used for displaying a policy filling interface when the clicking operation on the insurance application confirmation option is detected, wherein the policy filling interface displays an authorization-free opening option;

the display module is used for displaying an authorization-free insurance application confirmation interface when the click operation of the authorization-free opening option is detected, and an authorization-free insurance application approval option is displayed on the authorization-free insurance application confirmation interface;

a sending module 1201, configured to send an authorization-exempt application request to the social application server when a click operation on the authorization-exempt application agreement option is detected.

the sending module 1201 is used for sending an insurance application state release request to the social application server when a click operation on an insurance application state release option on an insurance vehicle detail interface is detected in the driving process of the vehicle on the specified road, wherein the insurance application server closes the authorization-free insurance application service of the vehicle according to the insurance state release request, and sends a third notification message to the insurance server, and the third notification message is used for prompting a user to pay the insurance fee or release the pre-generated insurance policy state of the vehicle according to the insurance fee payment condition of the vehicle.

the sending module 1201 is configured to send a claim settlement request to the insurance server if an accident occurs before the vehicle drives out of the specified road, where the claim settlement request is used to request an insurance party to settle a claim for the accident.

In summary, the device provided by the embodiment of the application automatically guarantees the vehicle when the vehicle enters the specified road, deducts the corresponding insurance fee according to the recorded insurance guarantee time when the vehicle exits the specified road, and ensures that each user on the vehicle can enjoy the guarantee by adopting the anonymous guarantee mode, thereby well achieving the expected guarantee effect of the insurance. In addition, the insurance application mode does not need a user to actively buy insurance products before the vehicle drives into the specified road in advance, and is simple and quick. Moreover, insurance belongs to service type products, and the insurance application mode is adopted, so that the user is prevented from being in a state of paying first and then enjoying guarantee for a long time, and the experience effect of the user is improved.

Referring to fig. 13, an embodiment of the present application provides an apparatus for vehicle insurance, including:

the recording module 1301 is used for starting to record the insurance guarantee time when the vehicle runs on the specified road when receiving a first notification message sent by the terminal, wherein the first notification message is sent when the terminal detects that the vehicle runs on the specified road under the scene that the unauthorized insurance application service is opened, and each user on the vehicle can enjoy the guarantee in the insurance guarantee time;

the recording module 1301 is used for stopping recording the insurance guarantee time when the vehicle runs on the specified road when receiving the second notification message sent by the terminal;

a value transfer module 1302, configured to perform value transfer according to the recorded insurance guarantee time;

and a sending module 1303, configured to send a policy generation request to the insurance server when the value transfer success message is generated, where the policy generation request is used for the insurance server to generate policy information for the vehicle, and send the policy information to the terminal.

the service opening module is used for opening the authorization-free insurance application service for the vehicle and generating an authorization success message when receiving the authorization-free insurance application request sent by the terminal;

the sending module 1303 is configured to send authorization success information to the insurance server, where the authorization success information is used for the insurance server to store, set the state of the vehicle to a pre-generated policy state, and send a storage success message to the social application server;

and the sending module 1303 is configured to send an opening success message to the terminal when the storage success message is received, where the opening success message is used to prompt that the terminal has opened the authorization-free insurance application service.

The device that this application embodiment provided, through when the vehicle drives into appointed road for the vehicle is automatic, when driving out appointed road, deduct corresponding premium according to the insurance guarantee time of record, adopt this kind of memoryless mode of insuring, can make every user on the vehicle all enjoy the guarantee to reach the guarantee effect that the insurance is expected well. In addition, the insurance application mode does not need a user to actively buy insurance products before the vehicle drives into the specified road in advance, and is simple and quick. Moreover, insurance belongs to service type products, and the insurance application mode is adopted, so that the user is prevented from being in a state of paying first and then enjoying guarantee for a long time, and the experience effect of the user is improved.

Referring to fig. 14, an embodiment of the present application provides an apparatus for vehicle insurance, including:

a receiving module 1401, configured to receive a policy generation request sent by a social application server, where the policy generation request is sent when the social application server performs value transfer based on recorded insurance guarantee time to generate a value transfer success message in a scenario where an unauthorized insurance application service is opened at a terminal, and each user on a vehicle enjoys guarantee within the insurance guarantee time;

an information generation module 1402 for generating policy information based on the policy generation request;

a sending module 1403, configured to send the policy information to the terminal.

the receiving module is used for receiving authorization success information sent by the social application server, and the authorization success information is sent when the social application server opens an authorization-free insurance application service for the vehicle;

the storage module is used for storing the authorization success information and setting the state of the vehicle into a pre-generated policy state;

a sending module 1403, configured to send a storage success message to the social application server, where the storage success message is used for the social application server to send an opening success message to the terminal, and the opening success message is used to prompt that the terminal has opened the authorization-free application service.

Fig. 15 shows a block diagram of a terminal 1500 according to an exemplary embodiment of the present application. The terminal 1500 may be: smart phones, tablet computers, MP3 players (Moving Picture Experts Group Audio Layer III, motion Picture Experts compression standard Audio Layer 3), MP4 players (Moving Picture Experts Group Audio Layer IV, motion Picture Experts compression standard Audio Layer 4), notebook computers, or desktop computers. Terminal 1500 may also be referred to as user equipment, a portable terminal, a laptop terminal, a desktop terminal, or other names.

In general, terminal 1500 includes: a processor 1501 and memory 1502.

Processor 1501 may include one or more processing cores, such as a 4-core processor, an 8-core processor, or the like. The processor 1501 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). Processor 1501 may also include a main processor and a coprocessor, where the main processor is a processor for Processing data in an awake state, and is also referred to as a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 1501 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the display screen. In some embodiments, processor 1501 may also include an AI (Artificial Intelligence) processor for processing computational operations related to machine learning.

The memory 1502 may include one or more computer-readable storage media, which may be non-transitory. The memory 1502 may also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 1502 is used to store at least one instruction for execution by processor 1501 to implement the method of vehicle insurance provided by the method embodiments herein.

In some embodiments, the terminal 1500 may further include: a peripheral interface 1503 and at least one peripheral. The processor 1501, memory 1502, and peripheral interface 1503 may be connected by buses or signal lines. Various peripheral devices may be connected to peripheral interface 1503 via buses, signal lines, or circuit boards. Specifically, the peripheral device includes: at least one of radio frequency circuitry 1504, touch screen display 1505, camera 1506, audio circuitry 1507, positioning assembly 1508, and power supply 1509.

The peripheral interface 1503 may be used to connect at least one peripheral related to I/O (Input/Output) to the processor 1501 and the memory 1502. In some embodiments, the processor 1501, memory 1502, and peripheral interface 1503 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 1501, the memory 1502, and the peripheral interface 1503 may be implemented on separate chips or circuit boards, which is not limited in this embodiment.

The Radio Frequency circuit 1504 is used to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuitry 1504 communicates with communication networks and other communication devices via electromagnetic signals. The radio frequency circuit 1504 converts an electrical signal into an electromagnetic signal to transmit, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 1504 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuit 1504 can communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the radio frequency circuit 1504 may also include NFC (Near Field Communication) related circuits, which are not limited in this application.

The display screen 1505 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display screen 1505 is a touch display screen, the display screen 1505 also has the ability to capture touch signals on or over the surface of the display screen 1505. The touch signal may be input to the processor 1501 as a control signal for processing. In this case, the display screen 1505 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, display 1505 may be one, providing the front panel of terminal 1500; in other embodiments, display 1505 may be at least two, each disposed on a different surface of terminal 1500 or in a folded design; in still other embodiments, display 1505 may be a flexible display disposed on a curved surface or a folded surface of terminal 1500. Even further, the display 1505 may be configured in a non-rectangular irregular pattern, i.e., a shaped screen. The Display 1505 can be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), and other materials.

The camera assembly 1506 is used to capture images or video. Optionally, the camera assembly 1506 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 1506 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

The audio circuitry 1507 may include a microphone and speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 1501 for processing or inputting the electric signals to the radio frequency circuit 1504 to realize voice communication. For stereo capture or noise reduction purposes, multiple microphones may be provided, each at a different location of the terminal 1500. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 1501 or the radio frequency circuit 1504 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, the audio circuitry 1507 may also include a headphone jack.

The positioning component 1508 is used to locate the current geographic position of the terminal 1500 for navigation or LBS (Location Based Service). The Positioning component 1508 may be a Positioning component based on the united states GPS (Global Positioning System), the chinese beidou System, the russian graves System, or the european union's galileo System.

Power supply 1509 is used to power the various components in terminal 1500. The power supply 1509 may be alternating current, direct current, disposable or rechargeable. When the power supply 1509 includes a rechargeable battery, the rechargeable battery may support wired charging or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, the terminal 1500 also includes one or more sensors 1510. The one or more sensors 1510 include, but are not limited to: acceleration sensor 1511, gyro sensor 1512, pressure sensor 1513, fingerprint sensor 1514, optical sensor 1515, and proximity sensor 1516.

The acceleration sensor 1511 may detect the magnitude of acceleration on three coordinate axes of the coordinate system established with the terminal 1500. For example, the acceleration sensor 1511 may be used to detect components of the gravitational acceleration in three coordinate axes. The processor 1501 may control the touch screen display 1505 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 1511. The acceleration sensor 1511 may also be used for acquisition of motion data of a game or a user.

The gyroscope sensor 1512 can detect the body direction and the rotation angle of the terminal 1500, and the gyroscope sensor 1512 and the acceleration sensor 1511 cooperate to collect the 3D motion of the user on the terminal 1500. The processor 1501 may implement the following functions according to the data collected by the gyro sensor 1512: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

Pressure sensor 1513 may be disposed on a side bezel of terminal 1500 and/or underneath touch display 1505. When the pressure sensor 1513 is disposed on the side frame of the terminal 1500, the holding signal of the user to the terminal 1500 may be detected, and the processor 1501 performs left-right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 1513. When the pressure sensor 1513 is disposed at a lower layer of the touch display 1505, the processor 1501 controls the operability control on the UI interface according to the pressure operation of the user on the touch display 1505. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 1514 is configured to capture a fingerprint of the user, and the processor 1501 identifies the user based on the fingerprint captured by the fingerprint sensor 1514, or the fingerprint sensor 1514 identifies the user based on the captured fingerprint. Upon recognizing that the user's identity is a trusted identity, the processor 1501 authorizes the user to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying, and changing settings, etc. The fingerprint sensor 1514 may be disposed on the front, back, or side of the terminal 1500. When a physical key or vendor Logo is provided on the terminal 1500, the fingerprint sensor 1514 may be integrated with the physical key or vendor Logo.

The optical sensor 1515 is used to collect ambient light intensity. In one embodiment, processor 1501 may control the brightness of the display on touch screen 1505 based on the intensity of ambient light collected by optical sensor 1515. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1505 is increased; when the ambient light intensity is low, the display brightness of the touch display screen 1505 is turned down. In another embodiment, the processor 1501 may also dynamically adjust the shooting parameters of the camera assembly 1506 based on the ambient light intensity collected by the optical sensor 1515.

A proximity sensor 1516, also known as a distance sensor, is typically provided on the front panel of the terminal 1500. The proximity sensor 1516 is used to collect the distance between the user and the front surface of the terminal 1500. In one embodiment, when the proximity sensor 1516 detects that the distance between the user and the front surface of the terminal 1500 gradually decreases, the processor 1501 controls the touch display 1505 to switch from the bright screen state to the dark screen state; when the proximity sensor 1516 detects that the distance between the user and the front surface of the terminal 1500 gradually becomes larger, the processor 1501 controls the touch display 1505 to switch from the breath screen state to the bright screen state.

Those skilled in the art will appreciate that the configuration shown in fig. 15 does not constitute a limitation of terminal 1500, and may include more or fewer components than shown, or some components may be combined, or a different arrangement of components may be employed.

FIG. 16 is an illustration of a server for vehicle insurance application, in accordance with an exemplary embodiment. Referring to fig. 16, server 1600 includes a processing component 1622 that further includes one or more processors and memory resources, represented by memory 1632, for storing instructions, such as applications, that are executable by processing component 1622. The application programs stored in memory 1632 may include one or more modules that each correspond to a set of instructions. Further, the processing component 1622 is configured to execute instructions to perform the functions performed by the server in the method of vehicle insurance described above.

The server 1600 may also include a power component 1626 configured to perform power management for the server 1600, a wired or wireless network interface 1650 configured to connect the server 1600 to a network, and an input/output (I/O) interface 1658. The Server 1600 may operate based on an operating system stored in memory 1632, such as Windows Server^TM，Mac OS X^TM，Unix^TM,Linux^TM，FreeBSD^TMOr the like.

The embodiment of the application provides a computer readable storage medium, wherein at least one program code is stored in the storage medium, and the at least one program code is loaded and executed by a processor to realize the method for vehicle insurance application shown in fig. 3.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is only exemplary of the present application and should not be taken as limiting the present application, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

1. A method of vehicle insurance application, the method comprising:

and receiving the policy information sent by the insurance server.

2. The method of claim 1, wherein prior to sending the first notification message to the social application server, the method further comprises:

sending an authorization-free insurance application request to the social application server, wherein the authorization-free insurance application request is used for the social application server to open an authorization-free insurance service for the vehicle, generate an authorization success message and send the authorization success message to the insurance server, the insurance server stores the authorization success message, sets the state of the vehicle to be a pre-generated insurance policy state and sends a storage success message to the social application server, and the storage success message is used for the social application server to send an opening success message to a terminal;

and when the opening success message is received, confirming that the authorization-free insurance application service is opened.

3. The method of claim 1, wherein prior to sending the request for the unauthorized application to the social application server, the method further comprises:

displaying a vehicle passing password-free payment interface, wherein insurance application options are displayed on the vehicle passing password-free payment interface;

when the clicking operation on the insurance application option is detected, displaying an insurance detail interface, wherein an application confirmation option is displayed on the insurance detail interface;

when the clicking operation on the insurance application confirmation option is detected, displaying an insurance policy filling interface, wherein an authorization-free opening option is displayed on the insurance policy filling interface;

when the click operation of the authorization-free opening option is detected, displaying an authorization-free insurance application confirmation interface, wherein an authorization-free insurance application approval option is displayed on the authorization-free insurance application confirmation interface;

when the click operation on the authorization-free application agreement option is detected, sending the authorization-free application request to the social application server.

4. The method of claim 1, further comprising:

in the running process of the vehicle on the specified road, when the click operation of an insurance state removing option on an insurance vehicle detail interface is detected, an insurance state removing request is sent to the social application server, the insurance state removing request is used for the social application server to close the authorization-free insurance service of the vehicle, and a third notification message is sent to the insurance server, and the third notification message is used for the insurance server to prompt a user to pay the insurance fee or remove the pre-generated insurance policy state of the vehicle according to the insurance fee payment condition of the vehicle.

5. The method of claim 1, wherein prior to sending the second notification message to the social application server, the method further comprises:

and if the vehicle has an accident before driving out of the specified road, sending a claim settlement request to the insurance server, wherein the claim settlement request is used for requesting an insurance party to settle a claim for the accident.

6. A method of vehicle insurance application, the method comprising:

transferring the value according to the recorded insurance guarantee time;

7. The method according to claim 6, wherein when receiving the first notification message sent by the terminal, the method starts recording the insurance guarantee time before the vehicle travels on the specified road, and further comprising:

when an authorization-free application request sent by the terminal is received, an authorization-free application service is opened for the vehicle, and an authorization success message is generated;

sending the authorization success information to the insurance server, wherein the authorization success information is used for storing by the insurance server, setting the state of the vehicle to be a pre-generated policy state, and sending a storage success message to a social application server;

and when the successful storage message is received, sending a successful opening message to the terminal, wherein the successful opening message is used for prompting that the terminal opens the authorization-free insurance application service.

8. A method of vehicle insurance application, the method comprising:

generating policy information based on the policy generation request;

and sending the policy information to the terminal.

9. The method of claim 8, wherein prior to receiving the policy generation request sent by the social application server, the method further comprises:

receiving authorization success information sent by the social application server, wherein the authorization success information is sent when the social application server opens an authorization-free insurance application service for the vehicle;

storing the authorization success information, and setting the state of the vehicle as a pre-generation policy state;

and sending a storage success message to the social application server, wherein the storage success message is used for sending an opening success message to the terminal by the social application server, and the opening success message is used for prompting that the terminal opens the authorization-free application service.

10. An apparatus for vehicle insurance, the apparatus comprising:

11. An apparatus for vehicle insurance, the apparatus comprising:

12. An apparatus for vehicle insurance, the apparatus comprising:

13. A terminal, characterized in that the terminal comprises a processor and a memory, in which at least one program code is stored, which is loaded and executed by the processor to implement the method of vehicle insurance according to any one of claims 1 to 5.

14. A server, characterized in that the server comprises a processor and a memory, in which at least one program code is stored, which is loaded and executed by the processor to implement the method of vehicle insurance of claim 6 or 7, or the method of vehicle insurance of claim 8 or 9.

15. A computer readable storage medium having stored therein at least one program code, which is loaded and executed by a processor, to implement the method of vehicle insurance of any one of claims 1 to 6, or the method of vehicle insurance of claim 6 or 7, or the method of vehicle insurance of claim 8 or 9.