CN116362900B - Method and system for processing insurance information of vehicle insurance - Google Patents
Method and system for processing insurance information of vehicle insurance Download PDFInfo
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- CN116362900B CN116362900B CN202310349635.1A CN202310349635A CN116362900B CN 116362900 B CN116362900 B CN 116362900B CN 202310349635 A CN202310349635 A CN 202310349635A CN 116362900 B CN116362900 B CN 116362900B
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- 238000000034 method Methods 0.000 title claims abstract description 39
- 238000012545 processing Methods 0.000 title claims abstract description 26
- 238000012423 maintenance Methods 0.000 claims abstract description 140
- 238000003780 insertion Methods 0.000 claims description 4
- 230000037431 insertion Effects 0.000 claims description 4
- 230000008030 elimination Effects 0.000 claims 1
- 238000003379 elimination reaction Methods 0.000 claims 1
- 238000012795 verification Methods 0.000 abstract description 2
- 230000015654 memory Effects 0.000 description 15
- 238000004590 computer program Methods 0.000 description 10
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- 230000010365 information processing Effects 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/01—Customer relationship services
- G06Q30/015—Providing customer assistance, e.g. assisting a customer within a business location or via helpdesk
- G06Q30/016—After-sales
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
Abstract
The invention relates to the technical field of vehicle insurance information identification, and particularly discloses a method and a system for processing vehicle insurance information, wherein the method comprises the steps of establishing a connecting channel with a vehicle after-sale part and acquiring maintenance data of the vehicle after-sale part; the maintenance data includes maintenance tools and their value; updating the dangerous seed type table at regular time according to the maintenance data, and determining dangerous seed combination containing time nodes according to the updated dangerous seed type table; generating a seed template containing identification features based on the seed combination; and when the insurance information input by the user is received, identifying the insurance information based on the dangerous seed template. According to the invention, the dangerous seed type is updated regularly through the after-sales data of the vehicle; and determining a dangerous seed combination according to the dangerous seed type, determining a template containing identification features based on the dangerous seed combination, providing insurance service based on the template containing the identification features, and rapidly performing authenticity verification when receiving related insurance requirements.
Description
Technical Field
The invention relates to the technical field of vehicle insurance information identification, in particular to a method and a system for processing vehicle insurance application information.
Background
With the progress of society and the development of technology, vehicles gradually enter every home, and unlike ordinary real estate, since the value of the vehicles is high and some problems of greater or lesser magnitude are liable to occur during use, insurance transactions related to the vehicles are very numerous.
The problems encountered by the vehicle at different stages are different, and related insurance business is often required to be updated; however, most of the existing insurance is static, after a worker presets and determines an insurance, a plurality of workers are required to coordinate, different vehicle conditions are difficult to deal with, the updating efficiency is low, and how to update the insurance business rapidly and accurately is a technical problem to be solved by the technical scheme of the invention.
Disclosure of Invention
The invention aims to provide a method and a system for processing insurance information of a vehicle insurance, which are used for solving the problems in the background technology.
In order to achieve the above purpose, the present invention provides the following technical solutions:
a method of processing vehicle insurance application information, the method comprising:
establishing a connecting channel with the after-sale part of the vehicle, and acquiring maintenance data of the after-sale part of the vehicle; the maintenance data includes maintenance tools and their value; the value is determined by a price;
updating the dangerous seed type table at regular time according to the maintenance data, and determining dangerous seed combination containing time nodes according to the updated dangerous seed type table;
generating a seed template containing identification features based on the seed combination;
and when the insurance information input by the user is received, identifying the insurance information based on the dangerous seed template.
As a further scheme of the invention: the step of establishing a connection channel with the after-sales vehicle and acquiring the after-sales maintenance data of the after-sales vehicle comprises the following steps:
sending a right acquisition request to the after-sales side of the vehicle, and establishing a connection channel when receiving the right sent by the after-sales side of the vehicle;
inserting a data hiding port in the connecting channel based on a hiding instruction of the after-market of the vehicle; the data hiding port is used for hiding target information in maintenance data based on the hiding instruction, and the target information contains a preset target label;
and acquiring maintenance data of the after-sale vehicle at regular time based on the connecting channel, and removing information from the maintenance data according to the data hiding port to obtain target data.
As a further scheme of the invention: the step of obtaining the maintenance data of the after-sale of the vehicle based on the connection channel at fixed time and removing the information of the maintenance data according to the data hiding port to obtain the target data comprises the following steps:
acquiring a maintenance curve of the after-sale vehicle in real time based on the connecting channel; the maintenance curve is represented by a time-based digital curve, a high level represents a maintenance state, and a low level represents a non-maintenance state;
determining a data reading node according to the maintenance curve; the data reading node is a time node;
acquiring maintenance tools containing customer information and prices thereof based on the data reading nodes, and correcting the prices according to the customer information to obtain values;
and removing the client information according to the data hiding port to obtain target data.
As a further scheme of the invention: the step of updating the dangerous seed type table at regular time according to the maintenance data and determining the dangerous seed combination containing the time node according to the updated dangerous seed type table comprises the following steps:
inquiring the association degree of each maintenance tool in the maintenance data based on a preset vehicle model;
clustering maintenance tools according to the association degree, and counting the maintenance times and the total value of various maintenance tools;
when the maintenance times and the total value thereof accord with preset conditions, determining the dangerous seed type according to the maintenance tools;
counting the dangerous seed types, determining dangerous seed combinations, and recording the determined time of the dangerous seed combinations as a time node.
As a further scheme of the invention: the step of generating a seed template containing identification features based on the seed combination comprises:
inputting the dangerous seed combination into a preset clause record model, and inquiring standby clauses;
sending the standby clauses to a management end, and receiving a dangerous seed template fed back by the management end; the dangerous seed template consists of clauses;
inquiring typesetting information of the dangerous seed template, and determining a characteristic position according to the typesetting information;
inserting a dynamic identification code into the characteristic position; the dynamic identification code is determined by combination parameters of all dangerous seed combinations; the combination parameters comprise the total number of combinations and the total number of elements in various combinations;
wherein, the dangerous seed template contains time nodes corresponding to the dangerous seed combination.
As a further scheme of the invention: the step of identifying the application information based on the risk template when the application information input by the user is received comprises the following steps:
when the application information input by the user is received, identifying the application information, and acquiring application time;
inquiring a dangerous seed template and identification characteristics thereof according to the application time;
and identifying the application information according to the identification characteristics.
The technical scheme of the invention also provides a system for processing the insurance information of the vehicle insurance, which comprises the following steps:
the maintenance data acquisition module is used for establishing a connection channel with the after-sale part of the vehicle and acquiring the maintenance data of the after-sale part of the vehicle; the maintenance data includes maintenance tools and their value; the value is determined by a price;
the dangerous seed combination determining module is used for updating the dangerous seed type table at regular time according to the maintenance data and determining a dangerous seed combination containing time nodes according to the updated dangerous seed type table;
the dangerous seed template generation module is used for generating a dangerous seed template containing identification characteristics based on the dangerous seed combination;
and the application information identification module is used for identifying the application information based on the dangerous seed template when receiving the application information input by the user.
As a further scheme of the invention: the maintenance data acquisition module includes:
the channel establishing unit is used for sending a right acquiring request to the after-sale side of the vehicle, and establishing a connecting channel when receiving the right sent by the after-sale side of the vehicle;
the port establishing unit is used for inserting a data hiding port into the connecting channel based on a hiding instruction behind a vehicle; the data hiding port is used for hiding target information in maintenance data based on the hiding instruction, and the target information contains a preset target label;
and the data eliminating unit is used for regularly acquiring the maintenance data behind the vehicle based on the connecting channel, and eliminating the information of the maintenance data according to the data hiding port to obtain target data.
As a further scheme of the invention: the dangerous seed combination determining module comprises:
the association degree inquiry unit is used for inquiring the association degree of each maintenance tool in the maintenance data based on a preset vehicle model;
the tool clustering unit is used for clustering the maintenance tools according to the association degree and counting the maintenance times and the total value of various maintenance tools;
the type determining unit is used for determining the dangerous seed type according to the maintenance tools when the maintenance times and the total value thereof accord with preset conditions;
and the time node determining unit is used for counting the dangerous seed types, determining dangerous seed combinations and recording the determination time of the dangerous seed combinations as a time node.
As a further scheme of the invention: the dangerous seed template generation module comprises:
the clause inquiring unit is used for inputting the dangerous seed combination into a preset clause record model and inquiring standby clauses;
the feedback receiving unit is used for sending the standby clauses to the management end and receiving the dangerous seed templates fed back by the management end; the dangerous seed template consists of clauses;
the position determining unit is used for inquiring typesetting information of the dangerous seed templates and determining characteristic positions according to the typesetting information;
an identification code insertion unit for inserting a dynamic identification code into the feature position; the dynamic identification code is determined by combination parameters of all dangerous seed combinations; the combination parameters comprise the total number of combinations and the total number of elements in various combinations;
wherein, the dangerous seed template contains time nodes corresponding to the dangerous seed combination.
Compared with the prior art, the invention has the beneficial effects that: according to the invention, the dangerous seed type is updated regularly through the after-sales data of the vehicle, so that the fit degree is high; the method comprises the steps of determining the dangerous seed combination according to the dangerous seed type, determining the template containing the identification characteristic based on the dangerous seed combination, providing insurance service based on the template containing the identification characteristic, and rapidly verifying authenticity when receiving related insurance requirements, wherein the efficiency is high and the safety is high.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following description will briefly introduce the drawings that are needed in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are only some embodiments of the present invention.
FIG. 1 is a flow chart diagram of a method of processing insurance information.
FIG. 2 is a first sub-flowchart of a method of processing insurance information.
FIG. 3 is a second sub-flowchart block diagram of a method of processing insurance information.
FIG. 4 is a third sub-flowchart of a method of processing insurance information.
FIG. 5 is a fourth sub-flowchart block diagram of a method of processing insurance information.
Detailed Description
In order to make the technical problems, technical schemes and beneficial effects to be solved more clear, the invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
Fig. 1 is a flow chart of a method for processing insurance information of vehicle insurance, in an embodiment of the invention, a method for processing insurance information of vehicle insurance includes:
step S100: establishing a connecting channel with the after-sale part of the vehicle, and acquiring maintenance data of the after-sale part of the vehicle; the maintenance data includes maintenance tools and their value; the value is determined by a price;
there is generally a correlation agreement between the after-market vehicle and the vehicle seller from which some after-market service tools (accessories) need to be purchased; in this process, both the after-market vehicle and the vehicle seller belong to independent individuals, and a plurality of protocols exist between the two, wherein the protocols are one mode of giving authority, and the after-market vehicle maintenance data can be acquired based on the authority; the service data includes what value of service tool was used after the vehicle was sold.
The relation between the price and the value in the technical scheme of the invention needs to be described, the price in the technical scheme of the invention is a quotation for the customer, the price is related to whether the customer is Vip, and the like, the price is floating, and the price of most customers can be counted to obtain a unified value which is called value.
Step S200: updating the dangerous seed type table at regular time according to the maintenance data, and determining dangerous seed combination containing time nodes according to the updated dangerous seed type table;
maintenance data reflects the frequency of various injuries to the vehicle during the current period, which is typically fixed if there is no special case, such as a scratch, the most common injury; the risk types may be updated periodically according to the frequency of the various injuries, and the risk combinations may be further determined based on the risk types according to the time of the updating.
Step S300: generating a seed template containing identification features based on the seed combination;
each type of dangerous combination corresponds to a dangerous seed template which is used when signing and combining with an applicant, wherein the dangerous seed template can be understood as a template contract, and a plurality of format clauses exist in the dangerous seed template; in each dangerous seed template, a plurality of identification features are inserted in advance, and when the application information is received, the authenticity of the application information is identified based on the identification features.
Step S400: when the insurance information input by the user is received, identifying the insurance information based on the dangerous seed template;
when the insurance information input by the user is received, the corresponding dangerous seed template is inquired, the identification characteristics in the dangerous seed template are read, and the identification process containing authenticity verification can be rapidly carried out on the insurance information.
FIG. 2 is a first sub-flowchart of a method for processing insurance information, wherein the step of establishing a connection channel with the after-market vehicle and obtaining after-market maintenance data of the vehicle includes:
step S101: sending a right acquisition request to the after-sales side of the vehicle, and establishing a connection channel when receiving the right sent by the after-sales side of the vehicle;
the process of establishing the connecting channel with the after-sales vehicle needs to be based on the related authority, on one hand, the method is executed to mainly acquire the authority of the after-sales vehicle, on the other hand, the after-sales vehicle also needs to acquire the authority of the client, and the after-sales vehicle cannot establish the connecting channel due to the fact that the after-sales vehicle is unavailable and lacks any authority.
Step S102: inserting a data hiding port in the connecting channel based on a hiding instruction of the after-market of the vehicle; the data hiding port is used for hiding target information in maintenance data based on the hiding instruction, and the target information contains a preset target label;
in the process of uploading data after the vehicle is sold, a data hiding port is inserted into the connecting channel, the data hiding port is used for selectively hiding the data uploaded after the vehicle is sold, and the hidden content is generally a customer information part, so that the finally uploaded data only comprises materials and prices thereof.
Step S103: acquiring maintenance data of the after-sale of the vehicle at regular time based on the connecting channel, and removing information of the maintenance data according to the data hiding port to obtain target data;
and acquiring original maintenance data of the after-sales vehicle at regular time based on the connection channel, wherein the original maintenance data may or may not be subjected to hiding processing, and information hiding is performed under the action of a data hiding port in the transmission channel no matter what data.
Further, the step of obtaining the maintenance data of the after-sales vehicle based on the connection channel at regular time and removing information of the maintenance data according to the data hiding port to obtain the target data includes:
acquiring a maintenance curve of the after-sale vehicle in real time based on the connecting channel; the maintenance curve is represented by a time-based digital curve, a high level represents a maintenance state, and a low level represents a non-maintenance state;
determining a data reading node according to the maintenance curve; the data reading node is a time node;
acquiring maintenance tools containing customer information and prices thereof based on the data reading nodes, and correcting the prices according to the customer information to obtain values;
and removing the client information according to the data hiding port to obtain target data.
The above description has been made specifically for the data acquisition process, and first, it is acquired whether the after-market vehicle is in the maintenance state or not based on the connection passage, and if in the maintenance state, it is indicated with a high level, and if in the non-maintenance state, it is indicated with a low level, whereby by means of the maintenance curve containing the high and low levels, it is possible to reflect when the after-market vehicle is in maintenance work.
Then, from the repair curve, some time nodes, called data reading nodes, can be determined, based on which the repair data is acquired, the data amount of the repair data can be made to be within a certain range.
And finally, removing information from the maintenance data to obtain target data.
FIG. 3 is a second sub-flowchart of a method for processing insurance information for vehicle risk, wherein the step of updating the risk type table at regular time according to the maintenance data, and determining the risk combination including the time node according to the updated risk type table includes:
step S201: inquiring the association degree of each maintenance tool in the maintenance data based on a preset vehicle model;
a vehicle corresponds to a vehicle model, and an association relation exists among all parts in the vehicle model, wherein the association relation is represented by a numerical value of association degree, and the association degree is the existing data.
Step S202: clustering maintenance tools according to the association degree, and counting the maintenance times and the total value of various maintenance tools;
the maintenance tools are clustered according to the association degree, the similar maintenance tools can be counted, and various maintenance times and total values thereof can be obtained on the basis.
Step S203: when the maintenance times and the total value thereof accord with preset conditions, determining the dangerous seed type according to the maintenance tools;
comparing the maintenance times and the total value thereof with preset conditions, whether a dangerous type is determined for the maintenance tools, wherein the dangerous type is a type of insurance pointing to the maintenance tools.
Step S204: counting dangerous seed types, determining dangerous seed combinations, and recording the determined time of the dangerous seed combinations as a time node;
counting a plurality of dangerous seed types, and combining to obtain a plurality of dangerous seed combinations; when the dangerous seed combination is determined, the determination time needs to be acquired synchronously as a time node of the dangerous seed combination.
In an example of the technical scheme of the invention, maintenance data is updated regularly, corresponding dangerous seed combinations are also updated continuously, the dangerous seed combinations corresponding to different time are different, and when the dangerous seed combinations are applied, if invalid matters do not exist, the dangerous seed combinations take effect once signed.
FIG. 4 is a third sub-flowchart of a method of processing insurance information for vehicle risk, the step of generating a risk template including identifying features based on the risk combination including:
step S301: inputting the dangerous seed combination into a preset clause record model, and inquiring standby clauses;
the dangerous seed types in different dangerous seed combinations are mostly existing dangerous seeds, corresponding clauses are almost fixed, target clauses are matched in a preset clause filing model, and standby clauses can be obtained, wherein the standby clauses are elements composing a contract.
Step S302: sending the standby clauses to a management end, and receiving a dangerous seed template fed back by the management end; the dangerous seed template consists of clauses;
the standby clauses are sent to the management end, and the management end selects, corrects or adds the standby clauses, so that a dangerous seed template is obtained; the seed danger template is composed of clauses according to a certain format.
Step S303: inquiring typesetting information of the dangerous seed template, and determining a characteristic position according to the typesetting information;
the typesetting information is in a preset format, and a certain position can be selected as an insertion position of the identification feature.
Step S304: inserting a dynamic identification code into the characteristic position; the dynamic identification code is determined by combination parameters of all dangerous seed combinations; the combination parameters comprise the total number of combinations and the total number of elements in various combinations;
in one example of the technical scheme of the invention, the identification feature is defined as a dynamic identification code, the dynamic identification code is determined by a combination parameter of a dangerous seed combination, the dangerous seed combination is a set of dangerous seed types, and the dangerous seed types correspond to different maintenance tools and values thereof, so that the dangerous seed combination is a tree structure, and the tree structure can be mapped into the identification code according to a preset mapping model; and inserting the generated identification code into the characteristic position to obtain the identification characteristic.
Specifically, the dangerous seed template comprises time nodes corresponding to the dangerous seed combination; the dangerous seed combination is continuously updated along with time, and the generation time of the dangerous seed combination is used as the generation time of the dangerous seed template.
FIG. 5 is a fourth sub-flowchart of a method for processing insurance information for vehicle risk, wherein when the insurance information input by a user is received, the step of identifying the insurance information based on the risk template includes:
step S401: when the application information input by the user is received, identifying the application information, and acquiring application time;
step S402: inquiring a dangerous seed template and identification characteristics thereof according to the application time;
step S403: and identifying the application information according to the identification characteristics.
In one example of the technical scheme, the identification process of the application information is limited, when the application information input by a user is received, the application information is preprocessed, the time of the application information is identified, and then the corresponding dangerous seed template and the identification characteristic thereof are inquired according to the time; and finally, carrying out matching type identification on the application information according to the identification characteristics, and judging the authenticity of the application information.
As a preferred embodiment of the present invention, there is provided a system for processing insurance information of vehicles, the system including:
the maintenance data acquisition module is used for establishing a connection channel with the after-sale part of the vehicle and acquiring the maintenance data of the after-sale part of the vehicle; the maintenance data includes maintenance tools and their value; the value is determined by a price;
the dangerous seed combination determining module is used for updating the dangerous seed type table at regular time according to the maintenance data and determining a dangerous seed combination containing time nodes according to the updated dangerous seed type table;
the dangerous seed template generation module is used for generating a dangerous seed template containing identification characteristics based on the dangerous seed combination;
and the application information identification module is used for identifying the application information based on the dangerous seed template when receiving the application information input by the user.
The maintenance data acquisition module includes:
the channel establishing unit is used for sending a right acquiring request to the after-sale side of the vehicle, and establishing a connecting channel when receiving the right sent by the after-sale side of the vehicle;
the port establishing unit is used for inserting a data hiding port into the connecting channel based on a hiding instruction behind a vehicle; the data hiding port is used for hiding target information in maintenance data based on the hiding instruction, and the target information contains a preset target label;
and the data eliminating unit is used for regularly acquiring the maintenance data behind the vehicle based on the connecting channel, and eliminating the information of the maintenance data according to the data hiding port to obtain target data.
The dangerous seed combination determining module comprises:
the association degree inquiry unit is used for inquiring the association degree of each maintenance tool in the maintenance data based on a preset vehicle model;
the tool clustering unit is used for clustering the maintenance tools according to the association degree and counting the maintenance times and the total value of various maintenance tools;
the type determining unit is used for determining the dangerous seed type according to the maintenance tools when the maintenance times and the total value thereof accord with preset conditions;
and the time node determining unit is used for counting the dangerous seed types, determining dangerous seed combinations and recording the determination time of the dangerous seed combinations as a time node.
The dangerous seed template generation module comprises:
the clause inquiring unit is used for inputting the dangerous seed combination into a preset clause record model and inquiring standby clauses;
the feedback receiving unit is used for sending the standby clauses to the management end and receiving the dangerous seed templates fed back by the management end; the dangerous seed template consists of clauses;
the position determining unit is used for inquiring typesetting information of the dangerous seed templates and determining characteristic positions according to the typesetting information;
an identification code insertion unit for inserting a dynamic identification code into the feature position; the dynamic identification code is determined by combination parameters of all dangerous seed combinations; the combination parameters comprise the total number of combinations and the total number of elements in various combinations;
wherein, the dangerous seed template contains time nodes corresponding to the dangerous seed combination.
The functions which can be realized by the vehicle insurance application information processing method are all completed by computer equipment, the computer equipment comprises one or more processors and one or more memories, at least one program code is stored in the one or more memories, and the program code is loaded and executed by the one or more processors to realize the functions of the vehicle insurance application information processing method.
The processor takes out instructions from the memory one by one, analyzes the instructions, then completes corresponding operation according to the instruction requirement, generates a series of control commands, enables all parts of the computer to automatically, continuously and cooperatively act to form an organic whole, realizes the input of programs, the input of data, the operation and the output of results, and the arithmetic operation or the logic operation generated in the process is completed by the arithmetic unit; the memory comprises a Read-only memory (ROM) for storing the computer program, and a protection device is arranged outside the memory.
For example, a computer program may be split into one or more modules, one or more modules stored in memory and executed by a processor to perform the present invention. One or more of the modules may be a series of computer program instruction segments capable of performing specific functions for describing the execution of the computer program in the terminal device.
It will be appreciated by those skilled in the art that the foregoing description of the service device is merely an example and is not meant to be limiting, and may include more or fewer components than the foregoing description, or may combine certain components, or different components, such as may include input-output devices, network access devices, buses, etc.
The processor may be a central processing unit (CentralProcessingUnit, CPU), other general purpose processors, digital signal processors (DigitalSignalProcessor, DSP), application specific integrated circuits (ApplicationSpecificIntegratedCircuit, ASIC), off-the-shelf programmable gate arrays (Field-ProgrammableGateArray, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. The general purpose processor may be a microprocessor or the processor may be any conventional processor or the like, which is the control center of the terminal device described above, and which connects the various parts of the entire user terminal using various interfaces and lines.
The memory may be used for storing computer programs and/or modules, and the processor may implement various functions of the terminal device by running or executing the computer programs and/or modules stored in the memory and invoking data stored in the memory. The memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function (such as an information acquisition template display function, a product information release function, etc.), and the like; the storage data area may store data created according to the use of the berth status display system (e.g., product information acquisition templates corresponding to different product types, product information required to be released by different product providers, etc.), and so on. In addition, the memory may include high-speed random access memory, and may also include non-volatile memory, such as a hard disk, memory, plug-in hard disk, smart memory card (SmartMediaCard, SMC), secure Digital (SD) card, flash card (FlashCard), at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
The modules/units integrated in the terminal device may be stored in a computer readable storage medium if implemented in the form of software functional units and sold or used as separate products. Based on this understanding, the present invention may implement all or part of the modules/units in the system of the above-described embodiments, or may be implemented by instructing the relevant hardware by a computer program, which may be stored in a computer-readable storage medium, and which, when executed by a processor, may implement the functions of the respective system embodiments described above. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, executable files or in some intermediate form, etc. The computer readable medium may include: any entity or device capable of carrying computer program code, a recording medium, a USB flash disk, a removable hard disk, a magnetic disk, an optical disk, a computer memory, a Read-only memory (ROM), a random access memory (RAM, randomAccessMemory), an electrical carrier signal, a telecommunications signal, a software distribution medium, and so forth.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (5)
1. A method of processing insurance information for a vehicle, the method comprising:
establishing a connecting channel with the after-sale part of the vehicle, and acquiring maintenance data of the after-sale part of the vehicle; the maintenance data includes maintenance tools and their value; the value is determined by a price;
updating the dangerous seed type table at regular time according to the maintenance data, and determining dangerous seed combination containing time nodes according to the updated dangerous seed type table;
generating a seed template containing identification features based on the seed combination;
when the insurance information input by the user is received, identifying the insurance information based on the dangerous seed template;
the step of updating the dangerous seed type table at regular time according to the maintenance data and determining the dangerous seed combination containing the time node according to the updated dangerous seed type table comprises the following steps:
inquiring the association degree of each maintenance tool in the maintenance data based on a preset vehicle model;
clustering maintenance tools according to the association degree, and counting the maintenance times and the total value of various maintenance tools;
when the maintenance times and the total value thereof accord with preset conditions, determining the dangerous seed type according to the maintenance tools;
counting dangerous seed types, determining dangerous seed combinations, and recording the determined time of the dangerous seed combinations as a time node;
the step of generating a seed template containing identification features based on the seed combination comprises:
inputting the dangerous seed combination into a preset clause record model, and inquiring standby clauses;
sending the standby clauses to a management end, and receiving a dangerous seed template fed back by the management end; the dangerous seed template consists of clauses;
inquiring typesetting information of the dangerous seed template, and determining a characteristic position according to the typesetting information;
inserting a dynamic identification code into the characteristic position; the dynamic identification code is determined by combination parameters of all dangerous seed combinations; the combination parameters comprise the total number of combinations and the total number of elements in various combinations;
wherein, the dangerous seed template contains time nodes corresponding to the dangerous seed combination;
the step of identifying the application information based on the risk template when the application information input by the user is received comprises the following steps:
when the application information input by the user is received, identifying the application information, and acquiring application time;
inquiring a dangerous seed template and identification characteristics thereof according to the application time;
and identifying the application information according to the identification characteristics.
2. The method for processing insurance information according to claim 1, wherein the step of establishing a connection path with the after-market vehicle and acquiring after-market maintenance data of the vehicle comprises:
sending a right acquisition request to the after-sales side of the vehicle, and establishing a connection channel when receiving the right sent by the after-sales side of the vehicle;
inserting a data hiding port in the connecting channel based on a hiding instruction of the after-market of the vehicle; the data hiding port is used for hiding target information in maintenance data based on the hiding instruction, and the target information contains a preset target label;
and acquiring maintenance data of the after-sale vehicle at regular time based on the connecting channel, and removing information from the maintenance data according to the data hiding port to obtain target data.
3. The method for processing insurance information according to claim 2, wherein the step of acquiring the after-sales repair data of the vehicle based on the connection channel at regular time and performing information elimination on the repair data according to the data hiding port to obtain the target data includes:
acquiring a maintenance curve of the after-sale vehicle in real time based on the connecting channel; the maintenance curve is represented by a time-based digital curve, a high level represents a maintenance state, and a low level represents a non-maintenance state;
determining a data reading node according to the maintenance curve; the data reading node is a time node;
acquiring maintenance tools containing customer information and prices thereof based on the data reading nodes, and correcting the prices according to the customer information to obtain values;
and removing the client information according to the data hiding port to obtain target data.
4. A system for processing insurance application information, said system comprising:
the maintenance data acquisition module is used for establishing a connection channel with the after-sale part of the vehicle and acquiring the maintenance data of the after-sale part of the vehicle; the maintenance data includes maintenance tools and their value; the value is determined by a price;
the dangerous seed combination determining module is used for updating the dangerous seed type table at regular time according to the maintenance data and determining a dangerous seed combination containing time nodes according to the updated dangerous seed type table;
the dangerous seed template generation module is used for generating a dangerous seed template containing identification characteristics based on the dangerous seed combination;
the application information identification module is used for identifying the application information based on the dangerous seed template when receiving the application information input by a user;
the dangerous seed combination determining module comprises:
the association degree inquiry unit is used for inquiring the association degree of each maintenance tool in the maintenance data based on a preset vehicle model;
the tool clustering unit is used for clustering the maintenance tools according to the association degree and counting the maintenance times and the total value of various maintenance tools;
the type determining unit is used for determining the dangerous seed type according to the maintenance tools when the maintenance times and the total value thereof accord with preset conditions;
the time node determining unit is used for counting the dangerous seed types, determining dangerous seed combinations and recording the determined time of the dangerous seed combinations as a time node;
the dangerous seed template generation module comprises:
the clause inquiring unit is used for inputting the dangerous seed combination into a preset clause record model and inquiring standby clauses;
the feedback receiving unit is used for sending the standby clauses to the management end and receiving the dangerous seed templates fed back by the management end; the dangerous seed template consists of clauses;
the position determining unit is used for inquiring typesetting information of the dangerous seed templates and determining characteristic positions according to the typesetting information;
an identification code insertion unit for inserting a dynamic identification code into the feature position; the dynamic identification code is determined by combination parameters of all dangerous seed combinations; the combination parameters comprise the total number of combinations and the total number of elements in various combinations;
wherein, the dangerous seed template contains time nodes corresponding to the dangerous seed combination;
the step of identifying the application information based on the risk template when the application information input by the user is received comprises the following steps:
when the application information input by the user is received, identifying the application information, and acquiring application time;
inquiring a dangerous seed template and identification characteristics thereof according to the application time;
and identifying the application information according to the identification characteristics.
5. The system for processing vehicle insurance application information according to claim 4, wherein said maintenance data acquisition module includes:
the channel establishing unit is used for sending a right acquiring request to the after-sale side of the vehicle, and establishing a connecting channel when receiving the right sent by the after-sale side of the vehicle;
the port establishing unit is used for inserting a data hiding port into the connecting channel based on a hiding instruction behind a vehicle; the data hiding port is used for hiding target information in maintenance data based on the hiding instruction, and the target information contains a preset target label;
and the data eliminating unit is used for regularly acquiring the maintenance data behind the vehicle based on the connecting channel, and eliminating the information of the maintenance data according to the data hiding port to obtain target data.
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| CN202310349635.1A CN116362900B (en) | 2023-04-04 | 2023-04-04 | Method and system for processing insurance information of vehicle insurance |
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| CN202310349635.1A CN116362900B (en) | 2023-04-04 | 2023-04-04 | Method and system for processing insurance information of vehicle insurance |
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| CN116362900B true CN116362900B (en) | 2023-10-27 |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105550756A (en) * | 2015-12-08 | 2016-05-04 | 优易商业管理成都有限公司 | Vehicle rapid damage determination method based on simulation of vehicle damages |
| CN115099986A (en) * | 2022-06-28 | 2022-09-23 | 中国平安财产保险股份有限公司 | Vehicle insurance renewal processing method and device and related equipment |
| CN115393111A (en) * | 2022-09-15 | 2022-11-25 | 平安银行股份有限公司 | Method and system for processing vehicle insurance data |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| US11704740B2 (en) * | 2020-05-28 | 2023-07-18 | Jonathan PYLE | Vehicle repair estimation system and method |
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105550756A (en) * | 2015-12-08 | 2016-05-04 | 优易商业管理成都有限公司 | Vehicle rapid damage determination method based on simulation of vehicle damages |
| CN115099986A (en) * | 2022-06-28 | 2022-09-23 | 中国平安财产保险股份有限公司 | Vehicle insurance renewal processing method and device and related equipment |
| CN115393111A (en) * | 2022-09-15 | 2022-11-25 | 平安银行股份有限公司 | Method and system for processing vehicle insurance data |
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