CN112825184A - System, method, apparatus and computer readable medium for recommending vehicle insurance - Google Patents
System, method, apparatus and computer readable medium for recommending vehicle insurance Download PDFInfo
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- CN112825184A CN112825184A CN201911141870.XA CN201911141870A CN112825184A CN 112825184 A CN112825184 A CN 112825184A CN 201911141870 A CN201911141870 A CN 201911141870A CN 112825184 A CN112825184 A CN 112825184A
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Abstract
The invention discloses a system, a method, equipment and a computer readable medium for recommending vehicle insurance, and relates to the technical field of computers. One embodiment of the method comprises: the input subsystem is used for receiving the insurance application information of the vehicle, and the insurance application information comprises basic information of the vehicle and owner information of the vehicle; the communication subsystem is used for acquiring the relationship between the main risk and the additional risk of the vehicle; the data subsystem is used for acquiring the main risk types and the additional risk types of the vehicle based on the relationship between the main risk and the additional risk of the vehicle; the processing subsystem is used for eliminating the insurable dangerous species and the residual insurable species from the main dangerous species and the additional dangerous species of the vehicle according to the basic information of the vehicle, the information of the vehicle owner and the preset insurance limit condition; and the recommendation subsystem is used for recommending the insurance amount of the insurable seeds and outputting a vehicle insurance list comprising the insurable seeds and the insurance amount. The implementation method can update the related information related to the recommended vehicle insurance in time, and further guarantee normal insurance application of the vehicle.
Description
Technical Field
The present invention relates to the field of computer technology, and in particular, to a system, method, device, and computer-readable medium for recommending vehicle insurance.
Background
With the continuous expansion of the car insurance business, the development range relates to all parts of the country, and the car insurance application amount is increased suddenly. Due to differences of policies and environments of various regions and internetworking of vehicle insurance application processes, existing systems for recommending vehicle insurance cannot support existing services in order to simplify the application processes and quickly respond to service changes.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
when an insurance content is added or modified, related information is updated, the updating efficiency of the system for recommending the vehicle insurance is low, and the vehicle insurance is further influenced.
Disclosure of Invention
In view of this, embodiments of the present invention provide a system, a method, a device and a computer readable medium for recommending vehicle insurance, which can update relevant information related to the recommended vehicle insurance in time, so as to ensure normal insurance application of a vehicle.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a system for recommending vehicle insurance, including:
the input subsystem is used for receiving insurance application information of the vehicle, and the insurance application information comprises basic information of the vehicle and owner information of the vehicle;
a communication subsystem for obtaining a relationship of a main risk and an additional risk of the vehicle;
the data subsystem is used for acquiring the main risk type and the additional risk type of the vehicle based on the relation between the main risk and the additional risk of the vehicle;
the processing subsystem is used for removing insurable dangerous species and remaining insurable species from the main dangerous species and the additional dangerous species of the vehicle according to the basic information of the vehicle, the information of the vehicle owner and preset insurance limit conditions;
and the recommending subsystem is used for recommending the insurance amount of the insurable seeds and outputting a vehicle insurance list comprising the insurable seeds and the insurance amount.
The processing subsystem is specifically used for determining basic insurable risk types from main risk types and additional risk types of the vehicle according to the basic information of the vehicle and the preset insurance application limiting conditions;
determining an insurable danger type of an owner in the main danger type and the additional danger type of the vehicle according to the owner information and the preset insurance application limiting conditions;
and rejecting the basic insurable risk species and the owner insurable risk species from the main risk species and the additional risk species of the vehicle to obtain the insurable species.
The recommendation subsystem is specifically used for selecting default dangerous types from the insurance-capable dangerous types according to the basic information of the vehicle;
recommending a premium of the insurable species and the default risky species, and outputting a vehicle insurance list including the insurable species and the premium.
The vehicle basic information includes one or more of: vehicle registration, vehicle category, vehicle nature, energy type, vehicle age, and vehicle actual value.
The preset insurance limit condition can be preset based on one or more of the following parameters, vehicle registration place, vehicle type, vehicle property, energy type, vehicle service life, vehicle actual value and vehicle owner property.
The data subsystem is specifically used for acquiring the main risk types and the additional risk types of the vehicle according to a preset period based on the relation between the main risk and the additional risk of the vehicle.
According to a second aspect of an embodiment of the present invention, there is provided a method of recommending vehicle insurance, characterized by comprising:
receiving insurance application information of a vehicle, wherein the insurance application information comprises basic information of the vehicle and owner information of the vehicle;
acquiring the relationship between the main risk and the additional risk of the vehicle;
acquiring a main risk type and an additional risk type of the vehicle based on the relationship between the main risk and the additional risk of the vehicle;
according to the basic information of the vehicle, the information of the vehicle owner and preset insurance limit conditions, non-insurance varieties are removed from the main insurance varieties and the additional insurance varieties of the vehicle, and the remaining insurance varieties are removed;
recommending a premium for the insurable seed, and outputting a vehicle insurance list including the insurable seed and the premium.
According to the basic information of the vehicle, the information of the vehicle owner and the preset insurance limit conditions, non-insurance types are removed from the main insurance types and the additional insurance types of the vehicle, and the remaining insurance types comprise:
determining basic insurable risk types from the main risk types and the additional risk types of the vehicle according to the basic information of the vehicle and the preset insurance application limiting conditions;
determining an insurable danger type of an owner in the main danger type and the additional danger type of the vehicle according to the owner information and the preset insurance application limiting conditions;
and rejecting the basic insurable risk species and the owner insurable risk species from the main risk species and the additional risk species of the vehicle to obtain the insurable species.
According to a third aspect of the embodiments of the present invention, there is provided an electronic device for recommending vehicle insurance, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method as described above.
According to a fourth aspect of embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the method as described above.
One embodiment of the above invention has the following advantages or benefits: because the input subsystem is used for receiving the insurance information of the vehicle, the insurance information comprises basic information of the vehicle and owner information of the vehicle; the communication subsystem is used for acquiring the relationship between the main risk and the additional risk of the vehicle; the data subsystem is used for acquiring the main risk types and the additional risk types of the vehicle based on the relationship between the main risk and the additional risk of the vehicle; the processing subsystem is used for eliminating the insurable dangerous species and the residual insurable species from the main dangerous species and the additional dangerous species of the vehicle according to the basic information of the vehicle, the information of the vehicle owner and the preset insurance limit condition; and the recommendation subsystem is used for recommending the insurance amount of the insurable seeds and outputting a vehicle insurance list comprising the insurable seeds and the insurance amount. Because the relationship between the main insurance and the additional insurance of the vehicle and the preset insurance limit condition can be updated in time, the related information related to the recommended vehicle insurance can be updated in time, and the normal insurance of the vehicle is guaranteed.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main structure of a system for recommending vehicle insurance according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of an application scenario of a system for recommending vehicle insurance according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a process for determining an insurable species according to an embodiment of the invention;
FIG. 4 is a schematic illustration of a vehicle insurance list according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a main flow of a method of recommending vehicle insurance according to an embodiment of the present invention;
FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 7 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Vehicle insurance refers to a kind of commercial insurance for paying for personal casualties or property losses caused by natural disasters or accidents of motor vehicles. The vehicle owner, i.e., owner, can purchase insurance for the vehicle through a variety of channels.
In the insurance application process, the business insurance can apply a plurality of insurance categories, and after the insurance application information is input, the insurance categories need to be displayed for the user. Because of the difference of information such as supervision policy, region, owner's vehicle, etc., the exhibited dangerous species and the insurance amount are different for different insurance vehicles.
The insurable varieties and the reserves will vary based on the vehicle registration, vehicle parameters, and traffic department regulations. Therefore, when an insurance content is added or modified, related information is updated, the updating efficiency is low, and the vehicle insurance application is influenced.
In order to solve the technical problem that updating efficiency is low and further the recommended vehicle insurance is affected, the following technical scheme in the embodiment of the invention can be adopted.
Referring to fig. 1, fig. 1 is a schematic diagram of a main structure of a system for recommending vehicle insurance according to an embodiment of the present invention, in which non-insurance types and remaining insurance types are excluded from main insurance types and additional insurance types according to basic information of a vehicle, owner information of the vehicle, and preset insurance limit conditions. And further, the insurable species can be output.
Referring to fig. 2, fig. 2 is a schematic diagram of an application scenario of a system for recommending vehicle insurance according to an embodiment of the present invention. In FIG. 2, the server may include a system for recommending vehicle insurance.
Illustratively, user A interacts with the server via a laptop and enters the vehicle's application information via a browser. And the user B interacts with the server through the mobile phone and inputs the insurance application information of the vehicle through a mobile phone Application (APP). By adopting the two ways of interacting with the server, the user can receive the car insurance list.
The technical scheme of fig. 1 is explained in detail below with reference to specific steps.
And the input subsystem 101 is used for receiving the insurance information of the vehicle, and the insurance information comprises basic information of the vehicle and owner information of the vehicle.
The user can send the insurance information of the vehicle through the browser of the computer end or the APP of the mobile phone end. The input subsystem 101 is then able to receive the vehicle's application information.
In one embodiment of the present invention, where the user accesses the server, the insurance information of the vehicle needs to be input. Then, the form of the insurance information of the vehicle can be sent to the user, which is helpful for the user to fill in according to the form of the insurance information of the preset vehicle, so as to avoid missing filling in the insurance information.
Illustratively, the application information includes vehicle basic information and owner information. The owner information is basic information of the owner of the vehicle.
The vehicle basic information is information relating to a parameter of the vehicle itself. As one example, the vehicle basic information includes one or more of: vehicle registration, vehicle category, vehicle nature, energy type, vehicle age, and vehicle actual value.
The vehicle registration place is a registration place of the vehicle, such as: shijiazhuang city in Hebei province. The vehicle categories include: cargo vehicles, off-road vehicles, dump trucks, tractor vehicles, passenger cars, and the like. The vehicle properties include business vehicles and non-business vehicles. The energy types include: the automobile, diesel oil, oil-electricity hybrid, pure electric vehicle. The vehicle age is the actual age of the vehicle. The actual value of the vehicle includes the remaining value of the vehicle after depreciation.
After receiving the vehicle insurance information, the insurable seeds and the insurance amount can be determined based on the vehicle insurance information.
And a communication subsystem 102 for obtaining a relationship between the main risk and the additional risk of the vehicle.
For vehicle insurance, there can be a main risk and an additional risk. The main insurance refers to insurance varieties which can be independently applied. An additional risk is opposed to the main risk. The additional insurance refers to the insurance variety which can not be independently applied to insurance but can be applied to the main insurance.
The relationship between the main risk and the additional risk for each vehicle is the same. It is understood that the relationship between the main risk and the accessory risk of the vehicle is set in advance in accordance with the relevant specification. After receiving the insurance information of the vehicle, the relationship between the main insurance and the additional insurance of the vehicle can be obtained.
Referring to Table 1, Table 1 is a schematic diagram of the relationship between the main risk and the additional risk, including the elimination of the exempt risk. The absence of claims belongs to additional risks.
The insurance responsibility without insurance claim refers to the "the portion of the indemnity amount which is calculated according to the indemnity rate specified by the main insurance clause of the corresponding insurance application and is supposed to be assumed by the insured life after the accident happens, and the insurance company is responsible for the compensation within the responsibility limit".
TABLE 1
And the data subsystem 103 is used for acquiring the main risk category and the additional risk category of the vehicle based on the relationship between the main risk and the additional risk of the vehicle.
Based on the relationship between the main risk and the additional risk of the vehicle, the main risk type and the additional risk type of the vehicle can be obtained. The relationship between the main risk and the additional risk of the vehicle may be preset. Then, in the event that the relationship of the main risk and the additional risk of the vehicle changes, the relationship of the main risk and the additional risk of the vehicle may be updated.
It is understood that the main risk and the additional risk of the vehicle can be adjusted by presetting the relationship of the main risk and the additional risk of the vehicle.
As one example, a relationship of the main risk and the additional risk of the vehicle as in Table 1 is obtained. There are 6 main risk to additional risk relationships in table 1. Then, based on the above-mentioned 6 sets of main risk and additional risk relationship, the main risk type and the additional risk type in table 1 can be obtained.
Specifically, the main risk categories include: vehicle loss insurance, commercial third party liability insurance, vehicle theft emergency, on-board personnel liability insurance (driver), on-board personnel liability insurance (passenger) and vehicle loss insurance. The additional risk types comprise additional risk types corresponding to the main risk types.
In an embodiment of the present invention, in order to obtain the main risk category and the additional risk category of the vehicle in time, the data subsystem 103 may further obtain the main risk category and the additional risk category of the vehicle according to a preset period based on a relationship between the main risk and the additional risk of the vehicle.
In this way, the main risk category and/or the additional risk category of the vehicle can be known in time once being changed.
And the processing subsystem 104 is used for eliminating the insurable dangerous species and remaining the insurable species from the main dangerous species and the additional dangerous species of the vehicle according to the basic information of the vehicle, the information of the vehicle owner and the preset insurance limit conditions.
The preset insurance limit condition is a condition that a specified dangerous species cannot be purchased for a certain vehicle. The reason for this is that different regional policies affect the purchase of specified risk categories for vehicles registered in the area.
As an example, the climate in region A is hot and vehicles with vehicle ages exceeding a predetermined value are more prone to spontaneous combustion. Region a specifies that business vehicles exceeding a preset value must purchase self-ignition hazards.
As another example, region B is more strict in the management of commercial vehicles, and requires commercial vehicles registered in region B to purchase on-board personnel liability insurance (passengers) to better protect the safety of the passengers.
In the embodiment of the invention, the insurance limit condition can be preset according to the actual situation. As one example, the conditions for the pre-set application limit may be based on one or more of the following participation: vehicle registry, vehicle category, vehicle nature, energy type, vehicle age, vehicle actual value, and owner nature.
It will be appreciated that the application limit may be set based on a number of parameters. As an example, the application constraints include: vehicle properties: a business vehicle; the service life of the vehicle is more than 5 years. Vehicles meeting the above insurance constraints need to purchase auto-ignition loss risks.
Then, the purchase risk of different vehicles can be adjusted by updating the insurance application limit conditions. The update application limiting condition may be updated according to an update cycle. Alternatively, the update is performed when the application limit condition is changed.
The vehicle basic information includes information of the vehicle, and the owner information includes information of the owner of the vehicle. According to the basic information of the vehicle, the information of the owner of the vehicle and the preset insurance limit conditions, the insurable dangerous species can be removed from the main dangerous species and the additional dangerous species of the vehicle.
Referring to fig. 3, fig. 3 is a schematic diagram of a process of determining an insurable species according to an embodiment of the present invention, which specifically includes:
s301, the processing subsystem determines basic insurable risk types in the main risk types and the additional risk types of the vehicle according to the basic information of the vehicle and the preset insurance application limiting conditions.
The processing subsystem 104 may determine a basic non-insurance risk type among the main risk type and the additional risk type of the vehicle based on the vehicle basic information, in which the condition of the vehicle basic information is related among the preset insurance restriction conditions.
As one example, the conditions related to the basic information of the vehicle in the preset insurance limit conditions include: and the commercial vehicle can not buy the vehicle body scratch loss risk, and the vehicle body scratch loss risk is determined as a basic insurable variety.
S302, the processing subsystem determines the unsafe dangerous species of the vehicle owner from the main dangerous species and the additional dangerous species of the vehicle according to the information of the vehicle owner and the preset insurance limit condition.
The conditions related to the owner information in the preset insurance restriction conditions may determine the owner insurable risk types among the main risk types and the additional risk types of the vehicle based on the owner information.
As an example, the conditions related to the owner information in the preset application restriction conditions include: and if the owner of the area A can not purchase the motor vehicle loss insurance, determining the motor vehicle loss insurance as the non-insurance type of the owner.
S303, the processing subsystem eliminates basic non-insurance type and owner non-insurance type from the main insurance type and the additional insurance type of the vehicle to obtain the insurance type.
The main risk species and the additional risk species of the vehicle can be preset, and after the basic insurable species and the owner insurable species are removed from the main risk species and the additional risk species of the vehicle, the remaining risk species are insurable species.
In the above embodiment, the processing subsystem 104 determines the basic insurable species and the owner insurable species according to the basic information and the owner information of the vehicle, respectively, and then obtains the insurable species.
And according to the basic information of the vehicle, the information of the vehicle owner and the preset insurance limit conditions, the insurable seeds are removed from the main dangerous seeds and the additional dangerous seeds of the vehicle, so that even if the main dangerous seeds and the additional dangerous seeds of the vehicle are changed, the process of obtaining the insurable seeds is not influenced.
Therefore, the updating of the main risk seeds, the additional risk seeds and the preset insurance limit conditions do not influence the normal insurance of the vehicle.
And a recommending subsystem 105 for recommending the amount of the insurable species and outputting a vehicle insurance list including the insurable species and the amount.
After determining the insurable species, the recommendation subsystem 105 may recommend the amount of the insurable species based on the vehicle base information.
As one example, the vehicle basic information includes the age of the vehicle, and the lower the age of the vehicle, the higher the premium setting for the total vehicle theft rescue. The whole-course security of the theft and emergency rescue is in direct proportion to the actual value of the vehicle. For new vehicles, the total vehicle theft and rescue guarantee can be set to be 90% of the actual value of the vehicle.
As another example, the vehicle basic information includes a vehicle registration place. The occurrence rate of trucks in the area A is high, and more accidents occur. And for risk control, the vehicle registration place is required to be a truck of the area A, and the guarantee amount of the liability risk of the business third party is more than 200 ten thousand. Thus, the amount of the commercial third party liability insurance for the truck is set to 200 million.
Since the user selects the insurance type and the guarantee amount to be purchased with reference to the vehicle list, the vehicle insurance list including the insurable type and the guarantee amount may be output to the user.
In one embodiment of the present invention, the recommendation subsystem 105 is specifically configured to select a default risk category among the insurable categories. The default risk is the risk that the default user needs to purchase. Of course, the default risk may also be modified according to the needs of the user.
As one example, in the case where the vehicle age is 0, i.e., a new vehicle, the vehicle loss risk and the business third party liability risk are selected as default risk categories among the insurable categories.
As another example, when the vehicle service life is 1, the risk purchased in the last year may be taken as the default risk.
After determining the default insurance type, the recommendation subsystem 105 is further configured to recommend the insurance amount of the insurable type and the default insurance type, and output a vehicle insurance list including the insurable type and the insurance amount. As one example, the recommended quota may be filled in at a quota location. And adding an identifier in the default dangerous case to recommend to the user.
Referring to fig. 4, fig. 4 is a schematic diagram of a car insurance list according to an embodiment of the present invention. The main insurance in FIG. 4 includes the insurable categories including the main insurance and the additional insurance. Since the annual vehicle insurance on the vehicle includes the main insurance, the main insurance is set as the default dangerous type.
In particular, major insurance includes vehicle loss insurance, third party liability insurance, on-board personnel liability insurance (driver), on-board personnel liability insurance (passenger), and total vehicle theft and robbery insurance.
The additional risks comprise natural loss risks, glass independent breakage risks, vehicle body scratch loss risks, transmitter wading loss risks, vehicle loss risks, the possibility that a third party special contract risk cannot be found, designated repair shop risks and holiday doubling risks of the three. In addition, the insurance amount of the insurable species can be recommended according to the basic information of the vehicle.
The default risk seeds are marked with a pair number in fig. 4, and the insurance amount of the insurable seeds is recommended at the deposit location.
In the above embodiment, the relationship between the main risk and the additional risk of the vehicle is acquired, and the main risk and the additional risk of the vehicle are further known. And according to the basic information of the vehicle, the information of the vehicle owner and the preset insurance limit conditions, the insurable seeds are removed from the main insurance seeds and the additional insurance seeds of the vehicle, and the insurable seeds and the insurance amount can be output. The relationship between the main risk and the additional risk of the vehicle and the preset insurance limit condition can be updated in time, so that the normal insurance of the vehicle is guaranteed.
Fig. 5 is a schematic diagram of a main flow of a method for recommending vehicle insurance, according to an embodiment of the present invention, where a system for recommending vehicle insurance may implement the method for recommending vehicle insurance, and as shown in fig. 5, the method for recommending vehicle insurance specifically includes:
s501, receiving insurance application information of the vehicle, wherein the insurance application information comprises basic information of the vehicle and owner information of the vehicle.
And S502, acquiring the relationship between the main risk and the additional risk of the vehicle.
S503, acquiring the main risk type and the additional risk type of the vehicle based on the relationship between the main risk and the additional risk of the vehicle.
S504, according to the basic information of the vehicle, the information of the owner of the vehicle and the preset insurance limit conditions, the insurable dangerous species are removed from the main dangerous species and the additional dangerous species of the vehicle, and the remaining insurable species are removed.
And S505, recommending the insurance amount of the insurable species, and outputting a vehicle insurance list comprising the insurable species and the insurance amount.
In one embodiment of the present invention, non-insurance types are excluded from main insurance types and additional insurance types of a vehicle according to basic information of the vehicle, owner information of the vehicle and preset insurance limit conditions, and the remaining insurance types include:
determining basic insurable risk types in the main risk types and the additional risk types of the vehicle according to the basic information of the vehicle and preset insurance application limiting conditions;
determining an unsafe dangerous species of an owner from a main dangerous species and an additional dangerous species of the vehicle according to the owner information and preset insurance limit conditions;
basic insurable dangerous species and owner insurable dangerous species are removed from main dangerous species and additional dangerous species of the vehicle to obtain insurable species.
In one embodiment of the present invention, recommending a premium for an insurable species and outputting a vehicle insurance list including the insurable species and the premium comprises:
selecting default dangerous cases according to basic information of the vehicle from the insurable dangerous cases;
the insurance amount and the default risk amount of the insurable species are recommended, and a vehicle insurance list including the insurable species and the insurance amount is output.
In one embodiment of the invention, the vehicle basic information includes one or more of: vehicle registration, vehicle category, vehicle nature, energy type, vehicle age, and vehicle actual value.
In one embodiment of the present invention, the preset insurance limit condition may be preset based on one or more of the following parameters, vehicle registration place, vehicle category, vehicle property, energy type, vehicle service life, vehicle actual value and owner property.
In one embodiment of the present invention, further comprising: and acquiring the main danger type and the additional danger type of the vehicle according to a preset period based on the relation between the main danger and the additional danger of the vehicle.
Fig. 6 illustrates an exemplary system architecture 600 of a method of recommending vehicle insurance or a system of recommending vehicle insurance to which embodiments of the present invention may be applied.
As shown in fig. 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604, and a server 605. The network 604 serves to provide a medium for communication links between the terminal devices 601, 602, 603 and the server 605. Network 604 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 601, 602, 603 to interact with the server 605 via the network 604 to receive or send messages or the like. The terminal devices 601, 602, 603 may have installed thereon various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 605 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 601, 602, 603. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be noted that the method for recommending vehicle insurance provided by the embodiment of the present invention is generally executed by the server 605, and accordingly, the system for recommending vehicle insurance is generally disposed in the server 605.
It should be understood that the number of terminal devices, networks, and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 7 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a transmitting unit, an obtaining unit, a determining unit, and a first processing unit. The names of these units do not in some cases constitute a limitation to the unit itself, and for example, the sending unit may also be described as a "unit sending a picture acquisition request to a connected server".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
receiving insurance application information of a vehicle, wherein the insurance application information comprises basic information of the vehicle and owner information of the vehicle;
acquiring the relationship between the main risk and the additional risk of the vehicle;
acquiring a main risk type and an additional risk type of the vehicle based on the relationship between the main risk and the additional risk of the vehicle;
according to the basic information of the vehicle, the information of the vehicle owner and preset insurance limit conditions, non-insurance varieties are removed from the main insurance varieties and the additional insurance varieties of the vehicle, and the remaining insurance varieties are removed;
recommending a premium for the insurable seed, and outputting a vehicle insurance list including the insurable seed and the premium.
According to the technical scheme of the embodiment of the invention, as the insurance application information of the vehicle is received, the insurance application information comprises basic information of the vehicle and information of a vehicle owner; acquiring the relationship between a main risk and an additional risk of the vehicle; acquiring the main risk type and the additional risk type of the vehicle based on the relationship between the main risk and the additional risk of the vehicle; according to the basic information of the vehicle, the information of the vehicle owner and the preset insurance limit conditions, the insurable seeds are removed from the main insurance seeds and the additional insurance seeds of the vehicle, and the remaining insurable seeds are removed; the amount of the insurable kind is recommended, and a vehicle insurance list including the insurable kind and the amount is output. Because the relationship between the main insurance and the additional insurance of the vehicle and the preset insurance limit condition can be updated in time, the related information related to the recommended vehicle insurance can be updated in time, and the normal insurance of the vehicle is guaranteed.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A system for recommending vehicle insurance, comprising:
the input subsystem is used for receiving insurance application information of the vehicle, and the insurance application information comprises basic information of the vehicle and owner information of the vehicle;
a communication subsystem for obtaining a relationship of a main risk and an additional risk of the vehicle;
the data subsystem is used for acquiring the main risk type and the additional risk type of the vehicle based on the relation between the main risk and the additional risk of the vehicle;
the processing subsystem is used for removing insurable dangerous species and remaining insurable species from the main dangerous species and the additional dangerous species of the vehicle according to the basic information of the vehicle, the information of the vehicle owner and preset insurance limit conditions;
and the recommending subsystem is used for recommending the insurance amount of the insurable seeds and outputting a vehicle insurance list comprising the insurable seeds and the insurance amount.
2. The system for recommending vehicle insurance according to claim 1, wherein said processing subsystem, in particular, is configured to determine a substantially non-insurance type among the main insurance type and the additional insurance type of said vehicle, according to said basic information of said vehicle and said preset insurance application limiting condition;
determining an insurable danger type of an owner in the main danger type and the additional danger type of the vehicle according to the owner information and the preset insurance application limiting conditions;
and rejecting the basic insurable risk species and the owner insurable risk species from the main risk species and the additional risk species of the vehicle to obtain the insurable species.
3. A system for recommending vehicle insurance according to claim 1, characterized in that said recommendation subsystem, in particular for choosing a default insurance type among said insurable insurance types, based on said vehicle basic information;
recommending a premium of the insurable species and the default risky species, and outputting a vehicle insurance list including the insurable species and the premium.
4. The system for recommending vehicle insurance according to claim 1, characterized in that said vehicle basic information includes one or more of the following: vehicle registration, vehicle category, vehicle nature, energy type, vehicle age, and vehicle actual value.
5. The system for recommending vehicle insurance of claim 1, wherein said preset insurance limit condition can be preset based on one or more of the following parameters, vehicle registration place, vehicle category, vehicle property, energy type, vehicle service life, vehicle actual value and owner property.
6. The system for recommending vehicle insurance according to claim 1, characterized in that said data subsystem is specifically adapted to learn the main insurance type and the additional insurance type of said vehicle according to a preset cycle based on the relationship between the main insurance and the additional insurance of said vehicle.
7. A method of recommending vehicle insurance, comprising:
receiving insurance application information of a vehicle, wherein the insurance application information comprises basic information of the vehicle and owner information of the vehicle;
acquiring the relationship between the main risk and the additional risk of the vehicle;
acquiring a main risk type and an additional risk type of the vehicle based on the relationship between the main risk and the additional risk of the vehicle;
according to the basic information of the vehicle, the information of the vehicle owner and preset insurance limit conditions, non-insurance varieties are removed from the main insurance varieties and the additional insurance varieties of the vehicle, and the remaining insurance varieties are removed;
recommending a premium for the insurable seed, and outputting a vehicle insurance list including the insurable seed and the premium.
8. The method for recommending vehicle insurance according to claim 7, wherein said removing insurable species from said main insurance species and said additional insurance species of said vehicle according to said basic vehicle information, said owner information and preset insurance limit conditions, remaining insurable species comprising:
determining basic insurable risk types from the main risk types and the additional risk types of the vehicle according to the basic information of the vehicle and the preset insurance application limiting conditions;
determining an insurable danger type of an owner in the main danger type and the additional danger type of the vehicle according to the owner information and the preset insurance application limiting conditions;
and rejecting the basic insurable risk species and the owner insurable risk species from the main risk species and the additional risk species of the vehicle to obtain the insurable species.
9. An electronic device for recommending vehicle insurance, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-6.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-6.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911141870.XA CN112825184A (en) | 2019-11-20 | 2019-11-20 | System, method, apparatus and computer readable medium for recommending vehicle insurance |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911141870.XA CN112825184A (en) | 2019-11-20 | 2019-11-20 | System, method, apparatus and computer readable medium for recommending vehicle insurance |
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| CN112825184A true CN112825184A (en) | 2021-05-21 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116777530A (en) * | 2023-08-23 | 2023-09-19 | 山东四季汽车服务有限公司 | Automobile service system based on intelligent recommendation |
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2019
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116777530A (en) * | 2023-08-23 | 2023-09-19 | 山东四季汽车服务有限公司 | Automobile service system based on intelligent recommendation |
| CN116777530B (en) * | 2023-08-23 | 2023-11-07 | 山东四季汽车服务有限公司 | Automobile service system based on intelligent recommendation |
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