WO2018023343A1 - Insurance premium claim settlement method and system for automobile logistics - Google Patents
Insurance premium claim settlement method and system for automobile logistics Download PDFInfo
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- WO2018023343A1 WO2018023343A1 PCT/CN2016/092739 CN2016092739W WO2018023343A1 WO 2018023343 A1 WO2018023343 A1 WO 2018023343A1 CN 2016092739 W CN2016092739 W CN 2016092739W WO 2018023343 A1 WO2018023343 A1 WO 2018023343A1
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Definitions
- the invention relates to the field of logistics, and in particular relates to a method and system for claim settlement of automobile logistics.
- logistics originated from the United States. According to actual needs, the basic functions of transportation, storage, loading and unloading, transportation, packaging, distribution processing, distribution, and information processing are organically combined. There are five main factors in evaluating the logistics system: quality, quantity, time, location and price. On February 25, 2009, the logistics industry became the Standing Committee of the State Council and reviewed and passed the tenth of the ten major industrial revitalization plans. Industry.
- a method for claiming premiums in an automotive logistics comprising the steps of:
- the running state is an accident state, extracting an order number and insurance information corresponding to the automobile logistics;
- the claim amount of the premium is calculated based on the insurance information, the type of the car, and the weight corresponding to the order number.
- the method further includes:
- the method further includes:
- a premium claim system for automotive logistics comprising:
- An extracting unit configured to extract an order number and insurance information corresponding to the automobile logistics when the operating state is an accident state
- the calculating unit is configured to calculate the claim amount of the premium according to the insurance information, the type of the car, and the weight corresponding to the order number.
- system further includes:
- the short message unit is used to send the claim amount to the sender by SMS.
- system further includes:
- the WeChat unit is used to send the claim amount to the sender via WeChat.
- the technical solution provided by the specific embodiment of the present invention acquires the operating state of the automobile logistics. If the operating state is an accident state, the order number and the insurance information corresponding to the automobile logistics are extracted, and the premium is calculated according to the insurance information and the weight corresponding to the order number. The amount of the claim, so it has the advantage of automatic claims for premiums.
- FIG. 1 is a flow chart of a method for claiming premiums of an automobile logistics provided by the present invention
- FIG. 2 is a structural diagram of a premium claim system for an automobile logistics provided by the present invention.
- FIG. 1 is a flowchart of a method for claiming premiums of an automobile logistics according to a first preferred embodiment of the present invention.
- the method is implemented by an intelligent terminal.
- the method is as shown in FIG. 1 and includes the following steps:
- Step S101 Obtain an operating state of the automobile logistics
- Step S102 If the operating state is an accident state, extract an order number and insurance information corresponding to the automobile logistics;
- Step S103 Calculate the claim amount of the premium according to the insurance information, the type of the car, and the weight corresponding to the order number.
- the technical solution provided by the specific embodiment of the present invention acquires the operating state of the automobile logistics. If the operating state is an accident state, the order number and the insurance information corresponding to the automobile logistics are extracted, and the premium is calculated according to the insurance information and the weight corresponding to the order number. The amount of the claim, so it has the advantage of automatic claims for premiums.
- the foregoing method may further include:
- the foregoing method may further include:
- FIG. 2 is a diagram of a premium claim system for an automobile logistics according to a second preferred embodiment of the present invention.
- the system includes:
- An obtaining unit 201 configured to acquire an operating state of the automobile logistics
- the extracting unit 202 is configured to extract an order number and insurance information corresponding to the automobile logistics when the operating state is an accident state;
- the calculating unit 203 is configured to calculate the claim amount of the premium according to the insurance information, the type of the car, and the weight corresponding to the order number.
- the technical solution provided by the specific embodiment of the present invention acquires the operating state of the automobile logistics. If the operating state is an accident state, the order number and the insurance information corresponding to the automobile logistics are extracted, and the premium is calculated according to the insurance information and the weight corresponding to the order number. The amount of the claim, so it has the advantage of automatic claims for premiums.
- the above system may further include:
- the short message unit 204 is configured to send the claim amount to the sender by using a short message.
- the above system may further include:
- the WeChat unit 205 is configured to send the claim amount to the sender via WeChat.
- Computer readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one location to another.
- a storage medium may be any available media that can be accessed by a computer.
- the computer readable medium may include random access memory (Random) Access Memory, RAM), Read-Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), Compact Disc Read-Only Memory, CD-ROM, or other optical disc storage, magnetic storage medium or other magnetic storage device, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. Also. Any connection may suitably be a computer readable medium.
- a disk and a disc include a compact disc (CD), a laser disc, a compact disc, a digital versatile disc (DVD), a floppy disk, and a Blu-ray disc, wherein the disc is usually magnetically copied, and the disc is The laser is used to optically replicate the data. Combinations of the above should also be included within the scope of the computer readable media.
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Abstract
An insurance premium claim settlement method and system for automobile logistics. The method comprises the following steps: acquiring an operating state of automobile logistics (S101); if the operating state is an accident state, extracting an order number and insurance information corresponding to the automobile logistics (S102); and calculating a claim settlement amount of an insurance premium according to the insurance information, an automobile type and a weight corresponding to the order number (S103). The technical solution provided in the present invention has the advantage of better user experience.
Description
本发明涉及物流领域,尤其涉及一种汽车物流的保费理赔方法及系统。The invention relates to the field of logistics, and in particular relates to a method and system for claim settlement of automobile logistics.
物流一词最早来源于美国。根据实际需要,将运输、储存、装卸、搬运、包装、流通加工、配送、信息处理等基本功能实施有机结合。”评价物流体系有五个主要因素,它们是:品质、数量、时间、地点和价格。2009年2月25日,物流行业成为国务院常委会议审议并原则通过了十大产业振兴规划中的第十个产业。The term logistics originated from the United States. According to actual needs, the basic functions of transportation, storage, loading and unloading, transportation, packaging, distribution processing, distribution, and information processing are organically combined. There are five main factors in evaluating the logistics system: quality, quantity, time, location and price. On February 25, 2009, the logistics industry became the Standing Committee of the State Council and reviewed and passed the tenth of the ten major industrial revitalization plans. Industry.
现有的汽车物流在出现事故后,无法自动进行保费的理赔,用户体验度低。In the event of an accident, the existing automobile logistics cannot automatically make claims for premiums, and the user experience is low.
提供一种汽车物流的保费理赔方法,其解决了现有技术的保费无法自动理赔的缺点。Provided is a method for claim settlement of automobile logistics, which solves the shortcoming that the prior art premium cannot be automatically claimed.
一方面,提供一种汽车物流的保费理赔方法,所述方法包括如下步骤:In one aspect, a method for claiming premiums in an automotive logistics is provided, the method comprising the steps of:
获取汽车物流的运行状态;Obtain the running status of the automobile logistics;
如该运行状态为事故状态时,提取该汽车物流对应的订单号和保险信息;If the running state is an accident state, extracting an order number and insurance information corresponding to the automobile logistics;
依据该保险信息、汽车类型以及该订单号对应的重量计算保费的理赔金额。The claim amount of the premium is calculated based on the insurance information, the type of the car, and the weight corresponding to the order number.
可选的,所述方法还包括:Optionally, the method further includes:
将该理赔金额通过短信发送至发件人。Send the claim amount to the sender via SMS.
可选的,所述方法还包括:Optionally, the method further includes:
将该理赔金额通过微信发送至发件人。Send the claim amount to the sender via WeChat.
第二方面,提供一种汽车物流的保费理赔系统,所述系统包括:In a second aspect, a premium claim system for automotive logistics is provided, the system comprising:
获取单元,用于获取汽车物流的运行状态;An obtaining unit for obtaining an operating state of the automobile logistics;
提取单元,用于如该运行状态为事故状态时,提取该汽车物流对应的订单号和保险信息;An extracting unit, configured to extract an order number and insurance information corresponding to the automobile logistics when the operating state is an accident state;
计算单元,用于依据该保险信息、汽车类型以及该订单号对应的重量计算保费的理赔金额。The calculating unit is configured to calculate the claim amount of the premium according to the insurance information, the type of the car, and the weight corresponding to the order number.
可选的,所述系统还包括:Optionally, the system further includes:
短信单元,用于将该理赔金额通过短信发送至发件人。The short message unit is used to send the claim amount to the sender by SMS.
可选的,所述系统还包括:Optionally, the system further includes:
微信单元,用于将该理赔金额通过微信发送至发件人。The WeChat unit is used to send the claim amount to the sender via WeChat.
本发明具体实施方式提供的技术方案获取汽车物流的运行状态,如该运行状态为事故状态时,提取该汽车物流对应的订单号和保险信息,依据该保险信息以及该订单号对应的重量计算保费的理赔金额,所以其具有保费自动理赔的优点。The technical solution provided by the specific embodiment of the present invention acquires the operating state of the automobile logistics. If the operating state is an accident state, the order number and the insurance information corresponding to the automobile logistics are extracted, and the premium is calculated according to the insurance information and the weight corresponding to the order number. The amount of the claim, so it has the advantage of automatic claims for premiums.
为了更清楚地说明本发明实施例或现有技术中的技术方案,下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍,显而易见地,下面描述中的附图仅仅是本发明的一些实施例,对于本领域普通技术人员来讲,在不付出创造性劳动的前提下,还可以根据这些附图获得其他的附图。In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below. Obviously, the drawings in the following description are only It is a certain embodiment of the present invention, and other drawings can be obtained from those skilled in the art without any creative work.
图1为本发明提供的一种汽车物流的保费理赔方法的流程图;1 is a flow chart of a method for claiming premiums of an automobile logistics provided by the present invention;
图2为本发明提供的一种汽车物流的保费理赔系统的结构图。2 is a structural diagram of a premium claim system for an automobile logistics provided by the present invention.
下面将结合本发明实施例中的附图,对本发明实施例中的技术方案进行清楚、完整地描述,显然,所描述的实施例仅仅是本发明一部分实施例,而不是全部的实施例。基于本发明中的实施例,本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例,都属于本发明保护的范围。The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.
参阅图1,图1为本发明第一较佳实施方式提供的一种汽车物流的保费理赔方法的流程图,该方法由智能终端来完成,该方法如图1所示,包括如下步骤:Referring to FIG. 1 , FIG. 1 is a flowchart of a method for claiming premiums of an automobile logistics according to a first preferred embodiment of the present invention. The method is implemented by an intelligent terminal. The method is as shown in FIG. 1 and includes the following steps:
步骤S101、获取汽车物流的运行状态;Step S101: Obtain an operating state of the automobile logistics;
步骤S102、如该运行状态为事故状态时,提取该汽车物流对应的订单号和保险信息;Step S102: If the operating state is an accident state, extract an order number and insurance information corresponding to the automobile logistics;
步骤S103、依据该保险信息、汽车类型以及该订单号对应的重量计算保费的理赔金额。Step S103: Calculate the claim amount of the premium according to the insurance information, the type of the car, and the weight corresponding to the order number.
本发明具体实施方式提供的技术方案获取汽车物流的运行状态,如该运行状态为事故状态时,提取该汽车物流对应的订单号和保险信息,依据该保险信息以及该订单号对应的重量计算保费的理赔金额,所以其具有保费自动理赔的优点。The technical solution provided by the specific embodiment of the present invention acquires the operating state of the automobile logistics. If the operating state is an accident state, the order number and the insurance information corresponding to the automobile logistics are extracted, and the premium is calculated according to the insurance information and the weight corresponding to the order number. The amount of the claim, so it has the advantage of automatic claims for premiums.
可选的,上述方法在步骤S103之后还可以包括:Optionally, after the step S103, the foregoing method may further include:
将该理赔金额通过短信发送至发件人。Send the claim amount to the sender via SMS.
可选的,上述方法在步骤S103之后还可以包括:Optionally, after the step S103, the foregoing method may further include:
将该理赔金额通过微信发送至发件人。Send the claim amount to the sender via WeChat.
参阅图2,图2为本发明第二较佳实施方式提供的一种汽车物流的保费理赔系统,该系统包括:Referring to FIG. 2, FIG. 2 is a diagram of a premium claim system for an automobile logistics according to a second preferred embodiment of the present invention. The system includes:
获取单元201,用于获取汽车物流的运行状态;An obtaining unit 201, configured to acquire an operating state of the automobile logistics;
提取单元202,用于如该运行状态为事故状态时,提取该汽车物流对应的订单号和保险信息;The extracting unit 202 is configured to extract an order number and insurance information corresponding to the automobile logistics when the operating state is an accident state;
计算单元203,用于依据该保险信息、汽车类型以及该订单号对应的重量计算保费的理赔金额。The calculating unit 203 is configured to calculate the claim amount of the premium according to the insurance information, the type of the car, and the weight corresponding to the order number.
本发明具体实施方式提供的技术方案获取汽车物流的运行状态,如该运行状态为事故状态时,提取该汽车物流对应的订单号和保险信息,依据该保险信息以及该订单号对应的重量计算保费的理赔金额,所以其具有保费自动理赔的优点。The technical solution provided by the specific embodiment of the present invention acquires the operating state of the automobile logistics. If the operating state is an accident state, the order number and the insurance information corresponding to the automobile logistics are extracted, and the premium is calculated according to the insurance information and the weight corresponding to the order number. The amount of the claim, so it has the advantage of automatic claims for premiums.
可选的,上述系统还可以包括:Optionally, the above system may further include:
短信单元204,用于将该理赔金额通过短信发送至发件人。The short message unit 204 is configured to send the claim amount to the sender by using a short message.
可选的,上述系统还可以包括:Optionally, the above system may further include:
微信单元205,用于将该理赔金额通过微信发送至发件人。The WeChat unit 205 is configured to send the claim amount to the sender via WeChat.
需要说明的是,对于前述的各方法实施方式或实施例,为了简单描述,故将其都表述为一系列的动作组合,但是本领域技术人员应该知悉,本发明并不受所描述的动作顺序的限制,因为根据本发明,某些步骤可以采用其他顺序或者同时进行。其次,本领域技术人员也应该知悉,说明书中所描述实施方式或实施例均属于优选实施例,所涉及的动作和单元并不一定是本发明所必须的。It should be noted that, for the foregoing method embodiments or embodiments, for the sake of simple description, they are all expressed as a series of action combinations, but those skilled in the art should know that the present invention is not subject to the described action sequence. Limitations, as certain steps may be performed in other sequences or concurrently in accordance with the present invention. In the following, those skilled in the art should also understand that the embodiments or examples described in the specification are preferred embodiments, and the actions and units involved are not necessarily required by the present invention.
在上述实施例中,对各个实施例的描述都各有侧重,某个实施例中没有详述的部分,可以参见其他实施例的相关描述。In the above embodiments, the descriptions of the various embodiments are different, and the details that are not detailed in a certain embodiment can be referred to the related descriptions of other embodiments.
本发明实施例方法中的步骤可以根据实际需要进行顺序调整、合并和删减。The steps in the method of the embodiment of the present invention may be sequentially adjusted, merged, and deleted according to actual needs.
本发明实施例装置中的单元可以根据实际需要进行合并、划分和删减。本领域的技术人员可以将本说明书中描述的不同实施例以及不同实施例的特征进行结合或组合。The units in the apparatus of the embodiment of the present invention may be combined, divided, and deleted according to actual needs. Those skilled in the art can combine or combine the different embodiments described in the specification and the features of the different embodiments.
通过以上的实施方式的描述,所属领域的技术人员可以清楚地了解到本发明可以用硬件实现,或固件实现,或它们的组合方式来实现。当使用软件实现时,可以将上述功能存储在计算机可读介质中或作为计算机可读介质上的一个或多个指令或代码进行传输。计算机可读介质包括计算机存储介质和通信介质,其中通信介质包括便于从一个地方向另一个地方传送计算机程序的任何介质。存储介质可以是计算机能够存取的任何可用介质。以此为例但不限于:计算机可读介质可以包括随机存取存储器(Random
Access Memory,RAM)、只读存储器(Read-Only Memory,ROM)、电可擦可编程只读存储器(Electrically
Erasable Programmable Read-Only Memory,EEPROM)、只读光盘(Compact Disc Read-Only
Memory,CD-ROM)或其他光盘存储、磁盘存储介质或者其他磁存储设备、或者能够用于携带或存储具有指令或数据结构形式的期望的程序代码并能够由计算机存取的任何其他介质。此外。任何连接可以适当的成为计算机可读介质。例如,如果软件是使用同轴电缆、光纤光缆、双绞线、数字用户线(Digital
Subscriber
Line,DSL)或者诸如红外线、无线电和微波之类的无线技术从网站、服务器或者其他远程源传输的,那么同轴电缆、光纤光缆、双绞线、DSL或者诸如红外线、无线和微波之类的无线技术包括在所属介质的定影中。如本发明所使用的,盘(Disk)和碟(disc)包括压缩光碟(CD)、激光碟、光碟、数字通用光碟(DVD)、软盘和蓝光光碟,其中盘通常磁性的复制数据,而碟则用激光来光学的复制数据。上面的组合也应当包括在计算机可读介质的保护范围之内。Through the description of the above embodiments, those skilled in the art can clearly understand that the present invention can be implemented in hardware, firmware implementation, or a combination thereof. When implemented in software, the functions described above may be stored in or transmitted as one or more instructions or code on a computer readable medium. Computer readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one location to another. A storage medium may be any available media that can be accessed by a computer. Taking this as an example, but not limited to: the computer readable medium may include random access memory (Random)
Access Memory, RAM), Read-Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (Electrically
Erasable Programmable Read-Only Memory, EEPROM), Compact Disc Read-Only
Memory, CD-ROM, or other optical disc storage, magnetic storage medium or other magnetic storage device, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. Also. Any connection may suitably be a computer readable medium. For example, if the software is using coaxial cable, fiber optic cable, twisted pair, digital subscriber line (Digital
Subscriber
Line, DSL) or wireless technology such as infrared, radio and microwave transmission from a website, server or other remote source, then coaxial cable, fiber optic cable, twisted pair, DSL or such as infrared, wireless and microwave Wireless technology is included in the fixing of the associated medium. As used in the present invention, a disk and a disc include a compact disc (CD), a laser disc, a compact disc, a digital versatile disc (DVD), a floppy disk, and a Blu-ray disc, wherein the disc is usually magnetically copied, and the disc is The laser is used to optically replicate the data. Combinations of the above should also be included within the scope of the computer readable media.
总之,以上所述仅为本发明技术方案的较佳实施例而已,并非用于限定本发明的保护范围。凡在本发明的精神和原则之内,所作的任何修改、等同替换、改进等,均应包含在本发明的保护范围之内。
In summary, the above description is only a preferred embodiment of the technical solution of the present invention, and is not intended to limit the scope of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and scope of the present invention are intended to be included within the scope of the present invention.
Claims (6)
- 一种汽车物流的保费理赔方法,其特征在于,所述方法包括如下步骤: A method for claiming premiums in an automobile logistics, characterized in that the method comprises the following steps:获取汽车物流的运行状态;Obtain the running status of the automobile logistics;如该运行状态为事故状态时,提取该汽车物流对应的订单号和保险信息;If the running state is an accident state, extracting an order number and insurance information corresponding to the automobile logistics;依据该保险信息、汽车类型以及该订单号对应的重量计算保费的理赔金额。The claim amount of the premium is calculated based on the insurance information, the type of the car, and the weight corresponding to the order number.
- 根据权利要求1所述的方法,其特征在于,所述方法还包括:The method of claim 1 further comprising:将该理赔金额通过短信发送至发件人。Send the claim amount to the sender via SMS.
- 根据权利要求1所述的方法,其特征在于,所述方法还包括:The method of claim 1 further comprising:将该理赔金额通过微信发送至发件人。Send the claim amount to the sender via WeChat.
- 一种汽车物流的保费理赔系统,其特征在于,所述系统包括:A premium claim system for automotive logistics, characterized in that the system comprises:获取单元,用于获取汽车物流的运行状态;An obtaining unit for obtaining an operating state of the automobile logistics;提取单元,用于如该运行状态为事故状态时,提取该汽车物流对应的订单号和保险信息;An extracting unit, configured to extract an order number and insurance information corresponding to the automobile logistics when the operating state is an accident state;计算单元,用于依据该保险信息、汽车类型以及该订单号对应的重量计算保费的理赔金额。The calculating unit is configured to calculate the claim amount of the premium according to the insurance information, the type of the car, and the weight corresponding to the order number.
- 根据权利要求4所述的系统,其特征在于,所述系统还包括:The system of claim 4, wherein the system further comprises:短信单元,用于将该理赔金额通过短信发送至发件人。The short message unit is used to send the claim amount to the sender by SMS.
- 根据权利要求4所述的系统,其特征在于,所述系统还包括:The system of claim 4, wherein the system further comprises:微信单元,用于将该理赔金额通过微信发送至发件人。The WeChat unit is used to send the claim amount to the sender via WeChat.
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