CN106296415A - Vehicle insurance is insured method, Apparatus and system - Google Patents
Vehicle insurance is insured method, Apparatus and system Download PDFInfo
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- CN106296415A CN106296415A CN201610685192.3A CN201610685192A CN106296415A CN 106296415 A CN106296415 A CN 106296415A CN 201610685192 A CN201610685192 A CN 201610685192A CN 106296415 A CN106296415 A CN 106296415A
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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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Abstract
The open a kind of vehicle insurance of the present invention is insured method, including: after receiving inquiry request of insuring, obtain the insurance rule of all insurance companies in vehicle insurance cloud platform；According to the car owner comprised in described inquiry request of insuring and/or information of vehicles, and the insurance rule of each insurance company got, process the Claims Resolution result of insuring obtaining each insurance company；According to the Claims Resolution result of insuring of preset recommendation mechanisms with each insurance company got, return the insurance company and Claims Resolution result of insuring thereof recommended；When receive insure request time, in the described request of insuring, the insurance company that specifies insures.Invention additionally discloses a kind of vehicle insurance to insure Apparatus and system.Present invention achieves the simplicity to vehicle insurance, fast insure.
Description
Technical field
The present invention relates to insure financial field, particularly relate to a kind of vehicle insurance and insure method, Apparatus and system.
Background technology
Along with development and the fast development of insurance financial business of automobile industry, traditional vehicle insurance is insured approach, i.e. business
Member expand vehicle insurance insure business, telemarketing vehicle insurance is insured, car owner buys vehicle insurance etc. to garage voluntarily, can not meet the Internet
The vehicle insurance insurance demand of people under economy era.
Either which kind of vehicle insurance Insuring way, all be unable to do without the quotation of the vehicle insurance to vehicle, but the quotation of current vehicle insurance is all
It is to offer by the way of traditional manual calculation, and different insurance company is to the Insuring way of same vehicle, quotation etc.
Regulation is different from, thus the Claims Resolution result of insuring that different insurance company is given also differs.How from numerous insurance companies
Filter out insurance expenses rationally, settle a claim convenient just insurance company and insurance kind, be that each user that insures needed before insuring
Important thing to be processed.
And the user that insures is before vehicle insurance is insured, the insurance to each insurance company is regular and unclear, and needs to arrive
Locating to collect the rule of insuring of difference insurance company, then manually compute, also accounting miscalculation misleading causes to making mistake conclusion sometimes, because of
And, process is comparatively laborious, and user carries out vehicle insurance and insures and there is many troubles, extremely inconvenience of insuring, and efficiency is the lowest.
Allow users to simplicity it is then desired to propose one, select optimal insurance company quickly and carry out vehicle insurance and insure
Scheme.
Foregoing is only used for auxiliary and understands technical scheme, does not represent and recognizes that foregoing is existing skill
Art.
Summary of the invention
The present invention provides a kind of vehicle insurance to insure method, Apparatus and system, it is intended to solve existing vehicle insurance Insuring way the simplest
Just, technical problem efficiently.
For achieving the above object, the present invention provides a kind of vehicle insurance to insure method, and the described vehicle insurance method of insuring includes:
After receiving inquiry request of insuring, obtain the insurance rule of all insurance companies in vehicle insurance cloud platform；
According to the car owner comprised in described inquiry request of insuring and/or information of vehicles, and each insurance public affairs got
The insurance rule of department, processes the Claims Resolution result of insuring obtaining each insurance company；
According to the Claims Resolution result of insuring of preset recommendation mechanisms with each insurance company got, return the insurance recommended
Company and Claims Resolution result of insuring thereof；
When receive insure request time, in the described request of insuring, the insurance company that specifies insures.
Preferably, described vehicle insurance method of insuring also includes:
When receive check institute resultful request time, return all insurance companies and Claims Resolution result of insuring thereof.
Preferably, described when receive check institute resultful request time, return all insurance companies and reason of insuring thereof
After paying for the step of result, described vehicle insurance method of insuring also includes:
When receive insure request time, in the described request of insuring, the insurance company that specifies insures.
Preferably, described when receive insure request time, in the described request of insuring, the insurance company that specifies insures
Step include:
When receive insure request time, the mark of the insurance company specified in request of insuring described in acquisition；
At the interface of insuring that the mark of described insurance company is corresponding, insure according to described car owner and/or information of vehicles
Data Enter and reimbursement of expense process.
For achieving the above object, the present invention also provides for a kind of vehicle insurance and insures device, and described vehicle insurance device of insuring includes:
First receiver module, insures inquiry request for reception；
Acquisition module, for after inquiry request of insuring described in receiving, obtains all insurance companies in vehicle insurance cloud platform
Insurance rule；
Processing module, the car owner comprised in inquiry request of insuring described in basis and/or information of vehicles, and get
The insurance rule of each insurance company, process and obtain the Claims Resolution result of insuring of each insurance company；
Recommending module, for the Claims Resolution result of insuring according to preset recommendation mechanisms with each insurance company got,
Return the insurance company and Claims Resolution result of insuring thereof recommended；
Described first receiver module, is additionally operable to the reception request of insuring；
Insure module, for when insure described in receiving request time, the insurance company specified in the described request of insuring enters
Row is insured.
Preferably, described vehicle insurance device of insuring also includes:
Result queries module, for when receive check institute resultful request time, return all insurance companies and throwing thereof
Factoring pays for result.
Preferably, module of insuring described in is additionally operable to:
After described result queries resume module completes, when receive insure request time, to described insure request in specify
Insurance company insure.
Preferably, module of insuring described in includes:
Acquiring unit, for when receive insure request time, the mark of the insurance company specified in request of insuring described in acquisition
Know；
Insure unit, for the interface of insuring that the mark in described insurance company is corresponding, according to described car owner and/or vehicle
Information carries out insure Data Enter and reimbursement of expense process.
For achieving the above object, the present invention also provides for a kind of vehicle insurance and insures system, including server be arranged in terminal
Client, wherein, described server includes that above-mentioned vehicle insurance is insured device, and described client includes:
Request module, for sending request to described server；
Second receiver module, for receiving insurance company and the Claims Resolution result of insuring thereof that described server returns.
Preferably, described request at least includes one below: inquiry request of insuring, the request of insuring, check that institute is resultful
Request.
The vehicle insurance that the present invention proposes is insured method, Apparatus and system, after receiving inquiry request of insuring, obtains vehicle insurance cloud
The insurance rule of all insurance companies on platform, and according to the car owner comprised in described inquiry request of insuring and/or information of vehicles,
And the insurance rule of each insurance company got, process insure Claims Resolution result, the then root obtaining each insurance company
According to the Claims Resolution result of insuring of preset recommendation mechanisms with each insurance company got, return the insurance company and throwing thereof recommended
Factoring pays for result, and when receive insure request time, in the described request of insuring, the insurance company that specifies insures, thus real
The car owner now provided according to user and/or information of vehicles, recommend to insure its highly preferred insurance company choosing to user
Select, simplify user and vehicle insurance is insured the information gathering operation of Claims Resolution, also carry out vehicle insurance for user and insure and provide simplicity, fast
Approach of insuring.
Accompanying drawing explanation
Fig. 1 is that vehicle insurance of the present invention is insured the schematic flow sheet of method first embodiment；
Fig. 2 is the refinement schematic flow sheet of step S40 in Fig. 1；
Fig. 3 is that vehicle insurance of the present invention is insured the schematic flow sheet of method the 3rd embodiment；
Fig. 4 is that vehicle insurance of the present invention is insured the high-level schematic functional block diagram of device first embodiment；
Fig. 5 is the refinement high-level schematic functional block diagram of Fig. 4 China National Investment & Guaranty Corp. module；
Fig. 6 is that vehicle insurance of the present invention is insured the high-level schematic functional block diagram of device the second embodiment；
Fig. 7 is that vehicle insurance of the present invention is insured the structural representation of system one embodiment.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further referring to the drawings.
Detailed description of the invention
Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
The present invention provides a kind of vehicle insurance to insure method, as shown in Figure 1, it is shown that vehicle insurance of the present invention method first of insuring is implemented
The schematic flow sheet of example, the described vehicle insurance method of insuring includes:
S10, receive inquiry request of insuring after, obtain the insurance rule of all insurance companies in vehicle insurance cloud platform；
The described vehicle insurance method of insuring can be implemented on the server, is provided with vehicle insurance cloud platform on that server, or, should
Server can communicate with other vehicle insurance cloud platform alternately.In this vehicle insurance cloud platform, storage has substantial amounts of relevant vehicle insurance
The information of insurance company, these information include the insurance rule that each insurance company formulates, such as, to different brands different model
Insurance expenses computation rule under difference insures the time limit such as the vehicle of different usage degrees etc., and corresponding difference is in danger situation
Under settling fee and detail etc..
User can access the data on described server by the client being arranged in terminal, and this terminal can be
The equipment such as mobile terminal, panel computer, computer, palm PC, this client can be applications client, it is also possible to be based on
The website of browser.
Described server is receiving after the inquiry request of insuring of client, the vehicle insurance cloud specified from described server
The insurance rule of preset all insurance companies is obtained on platform.Wherein, inquiry request of insuring described in is for described server
Each insurance company that requesting query associates with described server insures and Claims Resolution information.
The car owner comprised in inquiry request of insuring described in S20, basis and/or information of vehicles, and each guarantor got
The insurance rule of danger company, processes the Claims Resolution result of insuring obtaining each insurance company；
Described inquiry request of insuring includes car owner and/or information of vehicles, and these information are by user's specific bit on the client
The place of putting submits to after filling in and obtains.Described owner information can include the ID (identity number) card No. of car owner, name, sex, age, driving license number
The information such as code, described information of vehicles can include the number-plate number, vehicle number, vehicle startup machine information, use the information such as time, can
Set according to the actual requirements.Described Claims Resolution result of insuring includes insurance expenses and detail thereof, and settling fee and detail thereof
Deng.
Described server according to the insurance of each insurance company got rule, and described in insure inquiry request wrapped
The car owner contained and/or information of vehicles, calculate each insurance company automatically for insuring corresponding to the practical situation of this user
Claims Resolution result.
S30, according to preset recommendation mechanisms and the Claims Resolution result of insuring of each insurance company that gets, return and recommend
Insurance company and Claims Resolution result of insuring thereof；
Which kind of described recommendation mechanisms, for regulation insuring Claims Resolution result from all insurance companies calculated, join according to
The priority of number arranges, thus filters out the insurance company specifying number, and using the insurance company that filters out as recommendation
The insurance company insured of vehicle insurance.After determining the insurance company of recommendation, described server is by the insurance company recommended and throwing thereof
Factoring pays for result, returns to the client of this user.
S40, when receive insure request time, in the described request of insuring, the insurance company that specifies insures.
After user views insurance company and the Claims Resolution result of insuring thereof of the recommendation that described server returns on the client,
Result of settling a claim if insured a certain insurance company pleases oneself, and can select to insure this insurance company of family by client.
Described server, after receiving this request of insuring, is insured to this insurance company of family.Wherein, described server and at least two
The charge system of insurance company of family carries out communication connection.
Further, with reference to Fig. 2, above-mentioned steps S40 includes:
S41, when receive insure request time, the mark of the insurance company specified in request of insuring described in acquisition；
S42, at interface of insuring corresponding to the mark of described insurance company, carry out according to described car owner and/or information of vehicles
Insure Data Enter and reimbursement of expense processes.
User is after client selects an insurance company insured, and client can operate according to the selection of user, will bag
The request of insuring of the mark containing this insurance company is sent to described server.The request of insuring described in receive of described server
After, obtain the mark of this insurance company, then at the insure interface corresponding with the mark of this insurance company, i.e. charge system connects
Mouthful, carry out, according to described car owner and/or information of vehicles, insure Data Enter and reimbursement of expense process.
The vehicle insurance that the present invention proposes is insured method, after receiving inquiry request of insuring, obtains in vehicle insurance cloud platform all
The insurance rule of insurance company, and according to the car owner comprised in described inquiry request of insuring and/or information of vehicles, and get
The insurance rule of each insurance company, process and obtain the Claims Resolution result of insuring of each insurance company, then push away according to preset
The Claims Resolution result of insuring of each insurance company recommending mechanism and get, returns the insurance company recommended and Claims Resolution knot of insuring thereof
Really, and when receive insure request time, in the described request of insuring, the insurance company that specifies insures, thus realize according to
Car owner that family provides and/or information of vehicles, recommend to insure its highly preferred insurance company selection to user, simplify
Vehicle insurance is insured the information gathering operation of Claims Resolution by user, also carries out vehicle insurance for user and insures to provide and simple, fast insure on the way
Footpath.
Further, propose vehicle insurance of the present invention based on above-mentioned first embodiment to insure method the second embodiment, in this enforcement
In example, described vehicle insurance method of insuring also includes:
S50, when receive check institute resultful request time, return all insurance companies and Claims Resolution result of insuring thereof.
After user views some insurance companies and the Claims Resolution result of insuring thereof of the recommendation of described server on the client, as
The result recommended is not felt quite pleased by fruit, or, user has wanted to take off the Claims Resolution result of insuring of other insurance companies, then can pass through
Client sends to described server and checks resultful request.Described server checks resultful request receiving
After, the car owner provided according to this user and/or information of vehicles are processed all insurance companies and Claims Resolution result of insuring thereof obtained,
Return to the client of this user, so that this user views all insurance companies associated with described server on the client
Settlement of insurance claim result to this user situation.
The vehicle insurance Claims Resolution method that the present invention proposes, both can recommend preferably to insure public affairs for its personal considerations to user
Department, and the Claims Resolution result of insuring of the insurance company of recommendation is provided, the reason of insuring of more insurance company can be provided a user with again
Pay for result, thus allow users to insure Claims Resolution result from substantial amounts of, select an insurance company the most satisfied to carry out car
Insuring in danger, meets the demand that vehicle insurance is insured by user, also simplify user and insures work to be done.
Further, propose vehicle insurance of the present invention based on above-mentioned second embodiment to insure method the 3rd embodiment, in this enforcement
In example, with reference to Fig. 3, after above-mentioned steps S50, described vehicle insurance method of insuring also includes:
S40, when receive insure request time, in the described request of insuring, the insurance company that specifies insures.
After user checks the Claims Resolution result of insuring of all insurance companies that described server provides, if to a certain guarantor
The Claims Resolution result of insuring of danger company offer pleases oneself, then can select insure to this insurance company of family by client.Described clothes
After business device receives the request of insuring that client is sent to, the insurance company specified in the described request of insuring insures.
The vehicle insurance that the present invention proposes is insured method, checks the Claims Resolution of insuring of all insurance companies that server provides user
After result, vehicle insurance can be carried out according to user's request to the insurance company that user specifies and insure, provide the user Claims Resolution of insuring in a large number
Information while, be also provided for simple, fast approach of insuring.
The present invention also provides for a kind of vehicle insurance and insures device, as shown in Figure 4, it is shown that vehicle insurance of the present invention device first of insuring is real
Executing the high-level schematic functional block diagram of example, described vehicle insurance device of insuring includes:
First receiver module 100, insures inquiry request for reception；
Acquisition module 200, for after inquiry request of insuring described in receiving, obtains all insurance public affairs in vehicle insurance cloud platform
The insurance rule of department；
Described vehicle insurance device of insuring may be provided on server, is provided with vehicle insurance cloud platform on that server, or, should
Server can communicate with other vehicle insurance cloud platform alternately.In this vehicle insurance cloud platform, storage has substantial amounts of relevant vehicle insurance
The information of insurance company, these information include the insurance rule that each insurance company formulates, such as, to different brands different model
Insurance expenses computation rule under difference insures the time limit such as the vehicle of different usage degrees etc., and corresponding difference is in danger situation
Under settling fee and detail etc..
User can access the data on described server by the client being arranged in terminal, and this terminal can be
The equipment such as mobile terminal, panel computer, computer, palm PC, this client can be applications client, it is also possible to be based on
The website of browser.
First receiver module 100 of described server is receiving after the inquiry request of insuring of client, obtains mould
Block 200 obtains the insurance rule of preset all insurance companies from the vehicle insurance cloud platform that described server is specified.Wherein, described
Inquiry request of insuring is for the insuring and managing of each insurance company associated with described server to the inquiry of described server request
Compensation information.
Processing module 300, the car owner comprised in inquiry request of insuring described in basis and/or information of vehicles, and obtain
The insurance rule of each insurance company got, processes the Claims Resolution result of insuring obtaining each insurance company；
Described inquiry request of insuring includes car owner and/or information of vehicles, and these information are by user's specific bit on the client
The place of putting submits to after filling in and obtains.Described owner information can include the ID (identity number) card No. of car owner, name, sex, age, driving license number
The information such as code, described information of vehicles can include the number-plate number, vehicle number, vehicle startup machine information, use the information such as time, can
Set according to the actual requirements.Described Claims Resolution result of insuring includes insurance expenses and detail thereof, and settling fee and detail thereof
Deng.
The processing module 300 of described server is according to the insurance rule of each insurance company got, and described throwing
Protect the car owner and/or information of vehicles comprised in inquiry request, automatically calculate each insurance company actual feelings for this user
Claims Resolution result of insuring corresponding to condition.
Recommending module 400, for the Claims Resolution knot of insuring according to preset recommendation mechanisms with each insurance company got
Really, the insurance company recommended and Claims Resolution result of insuring thereof are returned；
Which kind of described recommendation mechanisms, for regulation insuring Claims Resolution result from all insurance companies calculated, join according to
The priority of number arranges, thus filters out the insurance company specifying number, and using the insurance company that filters out as recommendation
The insurance company insured of vehicle insurance.After described recommending module 400 determines the insurance company of recommendation, by recommend insurance company and
Its Claims Resolution result of insuring, returns to the client of this user.
Described first receiver module 100, is additionally operable to the reception request of insuring；
Insure module 500, for when insure described in receiving request time, the insurance company specified in the described request of insuring
Insure.
After user views insurance company and the Claims Resolution result of insuring thereof of the recommendation that described server returns on the client,
Result of settling a claim if insured a certain insurance company pleases oneself, and can select to insure this insurance company of family by client.
First receiver module 100 of described server receive this insure request after, described in insure module 500 to this insurance company of family
Insure.Wherein, described server carries out communication with the charge system of at least Liang Jia insurance company and is connected.
Further, with reference to Fig. 5, described in module 500 of insuring include:
Acquiring unit 501, for when receive insure request time, the insurance company specified in request of insuring described in acquisition
Mark；
Insure unit 502, for the interface of insuring that the mark in described insurance company is corresponding, according to described car owner and/or
Information of vehicles carries out insure Data Enter and reimbursement of expense process.
User is after client selects an insurance company insured, and client can operate according to the selection of user, will bag
The request of insuring of the mark containing this insurance company is sent to described server.First receiver module 100 of described server is connecing
Insure described in receiving request after, acquiring unit 501 obtains the mark of this insurance company, then insure unit 502 with this insurance
The interface of insuring that the mark of company is corresponding, i.e. charge system interface, carry out insuring information according to described car owner and/or information of vehicles
Typing and reimbursement of expense process.
The vehicle insurance that the present invention proposes is insured device, after receiving inquiry request of insuring, obtains in vehicle insurance cloud platform all
The insurance rule of insurance company, and according to the car owner comprised in described inquiry request of insuring and/or information of vehicles, and get
The insurance rule of each insurance company, process and obtain the Claims Resolution result of insuring of each insurance company, then push away according to preset
The Claims Resolution result of insuring of each insurance company recommending mechanism and get, returns the insurance company recommended and Claims Resolution knot of insuring thereof
Really, and when receive insure request time, in the described request of insuring, the insurance company that specifies insures, thus realize according to
Car owner that family provides and/or information of vehicles, recommend to insure its highly preferred insurance company selection to user, simplify
Vehicle insurance is insured the information gathering operation of Claims Resolution by user, also carries out vehicle insurance for user and insures to provide and simple, fast insure on the way
Footpath.
Further, propose vehicle insurance of the present invention device second of insuring implement based on above-mentioned vehicle insurance device first embodiment of insuring
Example, in the present embodiment, with reference to Fig. 6, described vehicle insurance device of insuring also includes:
Result queries module 600, for when receive check institute resultful request time, return all insurance companies and
Insure Claims Resolution result.
After user views some insurance companies and the Claims Resolution result of insuring thereof of the recommendation of described server on the client, as
The result recommended is not felt quite pleased by fruit, or, user has wanted to take off the Claims Resolution result of insuring of other insurance companies, then can pass through
Client sends to described server and checks resultful request.First receiver module 100 of described server is receiving
After checking the resultful request of institute, the car owner and/or the information of vehicles that provide according to this user are processed by result queries module 600
To all insurance companies and Claims Resolution result of insuring, return to the client of this user, so that this user looks on the client
See all insurance companies associated with the described server settlement of insurance claim result to this user situation.
The vehicle insurance Claims Resolution device that the present invention proposes, both can recommend preferably to insure public affairs for its personal considerations to user
Department, and the Claims Resolution result of insuring of the insurance company of recommendation is provided, the reason of insuring of more insurance company can be provided a user with again
Pay for result, thus allow users to insure Claims Resolution result from substantial amounts of, select an insurance company the most satisfied to carry out car
Insuring in danger, meets the demand that vehicle insurance is insured by user, also simplify user and insures work to be done.
Further, propose vehicle insurance of the present invention insure device the 3rd enforcement based on above-mentioned vehicle insurance device the second embodiment of insuring
Example, in the present embodiment, described in module 500 of insuring be additionally operable to:
After described result queries module 600 has processed, when receive insure request time, to described request middle finger of insuring
Fixed insurance company insures.
After user checks the Claims Resolution result of insuring of all insurance companies that described server provides, if to a certain guarantor
The Claims Resolution result of insuring of danger company offer pleases oneself, then can select insure to this insurance company of family by client.Described clothes
After first receiver module 100 of business device receives the request of insuring that client is sent to, described in insure module 500 to described throwing
Protect the insurance company specified in request to insure.
The vehicle insurance that the present invention proposes is insured device, checks the Claims Resolution of insuring of all insurance companies that server provides user
After result, vehicle insurance can be carried out according to user's request to the insurance company that user specifies and insure, provide the user Claims Resolution of insuring in a large number
Information while, be also provided for simple, fast approach of insuring.
The present invention also provides for a kind of vehicle insurance further and insures system, with reference to Fig. 7, including server be arranged in terminal
Client, wherein, described server includes that the vehicle insurance described in any of the above-described embodiment is insured device, and described client includes:
Request module 700, for sending request to described server；
Second receiver module 800, for receiving insurance company and the Claims Resolution result of insuring thereof that described server returns.
Further, described request at least includes one below: inquiry request of insuring, the request of insuring, check all results
Request.
Vehicle insurance in any of the above-described embodiment device of insuring is arranged on described server, is provided with on described server
Vehicle insurance cloud platform, or, described server can communicate with other vehicle insurance cloud platform alternately.In this vehicle insurance cloud platform
Storage has the information of the substantial amounts of insurance company about vehicle insurance, and these information include the insurance rule that each insurance company formulates, example
As, to the insurance expenses computation rule under difference insures the time limit such as the vehicle of different brands different model difference usage degree etc.,
And corresponding difference be in danger in the case of settling fee and detail etc..
User can access the data on described server by the client being arranged in terminal, and this terminal can be
The equipment such as mobile terminal, panel computer, computer, palm PC, this client can be applications client, it is also possible to be based on
The website of browser.
The vehicle insurance that the present invention proposes is insured system, and server asks modulus what the first receiver module 100 received client
After the inquiry request of insuring that block 700 sends, the acquisition module 200 of described server obtains all insurance companies in vehicle insurance cloud platform
Insurance rule, its processing module 300 is according to the car owner comprised in described inquiry request of insuring and/or information of vehicles, and obtains
The insurance rule of each insurance company got, processes insure Claims Resolution result, the then recommending module obtaining each insurance company
400 according to preset recommendation mechanisms and the Claims Resolution result of insuring of each insurance company that gets, to the second of described client
Receiver module 800 returns the insurance company and Claims Resolution result of insuring thereof recommended, and when the first receiver module 100 of described server
Receiving when insuring request, its module 500 insurance company of specifying in the described request of insuring of insuring insures, thus realizes
The car owner provided according to user and/or information of vehicles, recommend to insure its highly preferred insurance company selection to user,
Simplify user vehicle insurance is insured Claims Resolution information gathering operation, also for user carry out vehicle insurance insure provide simple, fast
Insure approach.
These are only the preferred embodiments of the present invention, not thereby limit the scope of the claims of the present invention, every utilize this
Equivalent structure or equivalence flow process that bright description and accompanying drawing content are made convert, or are directly or indirectly used in other relevant skills
Art field, is the most in like manner included in the scope of patent protection of the present invention.
Claims (10)
1. a vehicle insurance is insured method, it is characterised in that the described vehicle insurance method of insuring includes:
After receiving inquiry request of insuring, obtain the insurance rule of all insurance companies in vehicle insurance cloud platform；
According to the car owner comprised in described inquiry request of insuring and/or information of vehicles, and each insurance company got
Insurance rule, processes the Claims Resolution result of insuring obtaining each insurance company；
According to the Claims Resolution result of insuring of preset recommendation mechanisms with each insurance company got, return the insurance company recommended
And Claims Resolution result of insuring；
When receive insure request time, in the described request of insuring, the insurance company that specifies insures.
2. vehicle insurance as claimed in claim 1 is insured method, it is characterised in that described vehicle insurance method of insuring also includes:
When receive check institute resultful request time, return all insurance companies and Claims Resolution result of insuring thereof.
3. vehicle insurance as claimed in claim 2 is insured method, it is characterised in that described when receive check that institute is resultful please
When asking, after returning the step of all insurance companies and Claims Resolution result of insuring thereof, described vehicle insurance method of insuring also includes:
When receive insure request time, in the described request of insuring, the insurance company that specifies insures.
4. vehicle insurance as claimed in claim 1 is insured method, it is characterised in that described when receive insure request time, to described
The step that the insurance company specified in the request of insuring carries out insuring includes:
When receive insure request time, the mark of the insurance company specified in request of insuring described in acquisition；
At the interface of insuring that the mark of described insurance company is corresponding, carry out insuring information according to described car owner and/or information of vehicles
Typing and reimbursement of expense process.
5. a vehicle insurance is insured device, it is characterised in that described vehicle insurance device of insuring includes:
First receiver module, insures inquiry request for reception；
Acquisition module, for after inquiry request of insuring described in receiving, obtains the guarantor of all insurance companies in vehicle insurance cloud platform
Danger rule；
Processing module, for according to described in insure the car owner and/or information of vehicles comprised in inquiry request, and get each
The insurance rule of individual insurance company, processes the Claims Resolution result of insuring obtaining each insurance company；
Recommending module, for the Claims Resolution result of insuring according to preset recommendation mechanisms with each insurance company got, returns
The insurance company recommended and Claims Resolution result of insuring thereof；
Described first receiver module, is additionally operable to the reception request of insuring；
Insure module, for when insure described in receiving request time, the insurance company specified in the described request of insuring throws
Protect.
6. vehicle insurance as claimed in claim 5 is insured device, it is characterised in that described vehicle insurance device of insuring also includes:
Result queries module, for when receive check institute resultful request time, return all insurance companies and reason of insuring thereof
Pay for result.
7. vehicle insurance as claimed in claim 6 is insured device, it is characterised in that described in module of insuring be additionally operable to:
After described result queries resume module completes, when receive insure request time, the guarantor that specifies in the described request of insuring
Danger company insures.
8. vehicle insurance as claimed in claim 5 is insured device, it is characterised in that described in module of insuring include:
Acquiring unit, for when receive insure request time, the mark of the insurance company specified in request of insuring described in acquisition；
Insure unit, for the interface of insuring that the mark in described insurance company is corresponding, according to described car owner and/or information of vehicles
Carry out insure Data Enter and reimbursement of expense process.
9. a vehicle insurance is insured system, it is characterised in that include server and the client being arranged in terminal, wherein, described
Server includes that the vehicle insurance as described in any one of claim 5-8 is insured device, and described client includes:
Request module, for sending request to described server；
Second receiver module, for receiving insurance company and the Claims Resolution result of insuring thereof that described server returns.
10. vehicle insurance as claimed in claim 9 is insured system, it is characterised in that described request at least includes one below: insure
Inquiry request, the request of insuring, check resultful request.
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| CN201610685192.3A CN106296415A (en) | 2016-08-17 | 2016-08-17 | Vehicle insurance is insured method, Apparatus and system |
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| CN201610685192.3A CN106296415A (en) | 2016-08-17 | 2016-08-17 | Vehicle insurance is insured method, Apparatus and system |
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| CN106296415A true CN106296415A (en) | 2017-01-04 |
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| CN201610685192.3A Pending CN106296415A (en) | 2016-08-17 | 2016-08-17 | Vehicle insurance is insured method, Apparatus and system |
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| CN107563894A (en) * | 2017-08-31 | 2018-01-09 | 深圳市慧择保险经纪有限公司 | The method and device that group's meaning is nearly insured |
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| CN109377388A (en) * | 2018-09-13 | 2019-02-22 | 平安医疗健康管理股份有限公司 | Medical insurance is insured method, apparatus, computer equipment and storage medium |
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