CN110415127A - A kind of property right vehicle multimode insurance charge system based on Internet of Things - Google Patents
A kind of property right vehicle multimode insurance charge system based on Internet of Things Download PDFInfo
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- CN110415127A CN110415127A CN201910516266.4A CN201910516266A CN110415127A CN 110415127 A CN110415127 A CN 110415127A CN 201910516266 A CN201910516266 A CN 201910516266A CN 110415127 A CN110415127 A CN 110415127A
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- 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
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0283—Price estimation or determination
- G06Q30/0284—Time or distance, e.g. usage of parking meters or taximeters
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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
A kind of property right vehicle multimode insurance charge system based on Internet of Things, it is related to internet of things field.It includes central server, for receiving identity information, the quiescent time of vehicle, information of insuring and contract；Expense caused by vehicle hour is calculated, result is fed back；Insure terminal, car insurance record and insurance contract are transmitted to central server；Insurance agent terminal receives central server information, and subscriber identity information and premium are transmitted to insurance terminal and central server；Vegicle recorder is installed on vehicle, for recording the identity information of vehicle, the down time of property right vehicle, the runing time of property right vehicle；Client terminal receives the related insurance expense service condition of central server, pay the fees and payment information is fed back to central server.It is designed rationally, can actually use the charging that situation carries out car insurance expense according to the vehicle of user, charging mode is fair and reasonable, effectively raises user experience.
Description
Technical field
The present invention relates to internet of things field, and in particular to a kind of based on the insurance of the property right vehicle multimode of Internet of Things
Charge system.
Background technique
With the development of technology of Internet of things, intelligent production, intelligence are realized by technology of Internet of things in various industries field
Change management and intelligent Service etc., brings great convenience for the production and life of the people.Wherein, wisdom traffic is with wisdom
Theory, dialectical thinking are means, General Promotion traffic administration and service level using modern information technologies.Its prominent spy
Point be with the collection of information, processing, publication, exchange, analysis, using serving as theme, provide multifarious service for traffic participant.
In current flourishing city, automobile has changed into a kind of one of conventional necessary means of trip.It no matter is non-fortune
Vehicle or vehicle in use are sought, other than vehicle damages danger (by naked car fare lattice) difference, other insurance coverages take for the insurance collected
With being the same.Only need use vehicle race on and off duty is thus caused, vehicle insurance is a kind of inequitable spilling.When vehicle major part
Between in garage parking, there is no go on a journey, comparatively safe coefficient is higher, the corresponding reduction of insurance premium.Otherwise line frequency is got over out
Height, safety coefficient is lower, and insurance premium use is more.Therefore, orthodox car insurance premium presses merely type of vehicle and insurance duration
Charging at list price is unfair, and car insurance should calculate insurance premium according to actual service condition, just fair and reasonable in this way.
To sum up, the prior art technical problem unreasonable there are car insurance charging.
Summary of the invention
In view of the defects and deficiencies of the prior art, the present invention intends to provide a kind of property right vehicle based on Internet of Things
Multimode insures charge system, it is able to solve the prior art technical problem unreasonable there are car insurance charging.
To achieve the above object, the present invention is using following technical scheme: it includes
Central server, for receiving subscriber identity information, the quiescent time of property right vehicle and runing time, insurance company
Insure information and contract；Insurance premium caused by property right vehicle hour is calculated, and by the insurance premium and throwing of generation
Expense in breath information-preserving is compared, and result is fed back to insurance agent terminal and insurance terminal；
Insure terminal, the insurance record and insurance contract of property right vehicle are transmitted to central server；
Insurance agent terminal receives central server information, and the identity information of user and corresponding insurance premium is passed
Transport to insurance terminal and central server；
Vegicle recorder is installed on property right vehicle, for recording the identity information of property right vehicle, the parking of property right vehicle
Time, the runing time of property right vehicle；
Client terminal receives the related insurance expense service condition of central server, carry out payment and payment information is anti-
It is fed to central server.
Further, the insurance terminal achieves storage to property right information of vehicles and insurance, and provides insurance contract, submits
To central server, result is returned to client terminal by central server.
Further, the insurance agent terminal audits the identity information of property right vehicle, insurance premium is paid, and is committed to
Result is returned to insurance terminal by central server, central server.
Further, the vegicle recorder is transmitted based on 4G or 5G internet communication, for recording the stationary vehicle time
And runing time, central server is stored according to the customer information of property right vehicle, the affiliated client of property right vehicle passes through client terminal
After being entered specific time querying condition, the central server according to the vehicle use state of the client terminal logged in into
Row statistics；Specific insurance premium is calculated in real time according to the System result of the information of vehicles, and real-time perfoming is analyzed, it will
The result analyzed in real time is sent to the client terminal.
Further, the client terminal is connect with the central server by internet communication；The center service
Device is connect with vegicle recorder by 4G, 5G or internet communication；The insurance agent terminal and central server pass through interconnection
Network Communication connection；The insurance terminal is connect with central server by internet communication.
Further, the client terminal is one of smart phone, tablet computer or PC machine or multiple combinations.
After adopting the above technical scheme, the invention has the following beneficial effects: it is designed rationally, it can be practical according to the vehicle of user
Service condition carries out the charging of car insurance expense, and charging mode is fair and reasonable, effectively raises user experience.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention without any creative labor, may be used also for those of ordinary skill in the art
To obtain other drawings based on these drawings.
Fig. 1 is structural schematic diagram of the invention；
Fig. 2 is business process map of the invention.
Description of symbols: central server 1, insurance terminal 2, insurance agent terminal 3, vegicle recorder 4, client terminal
5。
Specific embodiment
Referring to shown in Fig. 1-Fig. 2, present embodiment the technical solution adopted is that:
A kind of property right vehicle multimode insurance charge system based on Internet of Things, it includes central server 1, for receiving
Subscriber identity information, the quiescent time of property right vehicle and runing time, insure information and the contract of insurance company；Calculate property right vehicle
Insurance premium caused by runing time, and the insurance premium of generation is compared with the expense in information of insuring, it will tie
Fruit feeds back to insurance agent terminal and insurance terminal；Insure terminal 2, the insurance record and insurance contract of property right vehicle are transmitted to
Central server；Insurance agent terminal 3 receives central server information, and by the identity information of user and corresponding insurance premium
Terminal and central server are insured with being transmitted to；Vegicle recorder 4 is installed on property right vehicle, for recording property right vehicle
Identity information, the down time of property right vehicle, the runing time of property right vehicle；Client terminal 5 receives the correlation of central server
Insurance premium service condition pay the fees and payment information is fed back to central server.
Customer information is obtained by insurance agency, user selects after buying this product, and user downloads in client terminal 5
APP starts to register and examine, and after examination & approval pass through, starts deposit premium and uses, and prepayment insurance quarterly monthly can be selected with year
Expense.
After insurance agency has all audited, insurance company is transferred to put on record and sign a contract, and in customer's vehicle
Side's installation vegicle recorder 4, after the installation test of vegicle recorder 4 passes through, the down time of start recording property right vehicle and traveling
Time, and vehicle is recorded in real time by 4G or 5G and internet communication mode and returns to central server 1.
As client selects monthly installment insurance premium: if the result of statistics will be started to summarize at monthly No. 1, property right vehicle exists
The insurance premium of the insurance premium and property right vehicle of stationary state under operation, is calculated respectively.
If down time is much larger than the operating status time, there will be insurance premium spillings, and client root is according to statistics as a result, can
To select to return now extra insurance premium or prolong guarantor to next month (period is optional).It is then returned to insurance agency and guarantor
Dangerous company port.
1, client's selection is returned existing: being committed to central server 1, the insurance of insurance agency is returned result to after audit
Proxy terminal 3, insurance agency are committed to the insurance terminal 2 of insurance company, and insurance company makes loans, then passes through central server
1 is delivered in the remaining sum wallet of the end client terminal 5APP, and client withdraws deposit completion.
2, client selects remaining sum to prolong guarantors: after the reception information of central server 1, according to mostly into few benefit principle, result is returned
To insurance agent terminal 3, insurance agency transfers to the insurance terminal 2 of insurance company, insurance company puts on record simultaneously after examination & approval
It signs a contract, starts to fulfil new contract.Final result is returned into client terminal 5.
All server groups all use third party cloud server, guarantee safety and stability.
Illustrate that a kind of property right vehicle multimode based on Internet of Things of the embodiment of the present application insures charge system to become apparent from
Realization process, below will be by taking Volkswagen be insured as an example, to the property right vehicle based on Internet of Things a kind of in the embodiment of the present application
The process of multimode insurance charge system is explained in detail.
User A possesses a Volkswagen, is that the Volkswagen has purchased a car insurance, and selects in insurance agency
Select Monthly Payment.After insurance agency has audited, transfers to insurance company to put on record and sign insurance contract, insurance company is in client
Vehicle installs vegicle recorder 4, after the installation test of vegicle recorder 4 passes through, the down time of start recording property right vehicle and row
It sails the time, and vehicle is recorded in real time by 4G or 5G and internet communication mode and returns to central server 1；Insurance company
A car insurance account, user's 500 yuan of advance payment of premium in car insurance account, in addition, user A is also are established for the Volkswagen
In mobile phone car insurance charging client terminal 5 downloaded and installed, which is communicated with central server 1 for real-time
Show Volkswagen's insurance charge situation.
User A is after automobile purchase insurance, and vegicle recorder 4 has recorded the Volkswagen, and that 100 are travelled in one month is small
When, it is the insurance premium rate of 1 yuan/hour by operating status Freight Basis, needed for the statistics of central server 1 traveling 100 hours
The car insurance expense paid is 100 yuan.The moon is 30 days, is amounted to 720 hours, which is 620 hours, parking
The insurance premium rate of time is 0.1 yuan/hour, then the premium under halted state is 62 yuan.Two add up to 162 yuan.User's A this month
Insurance premium payable is 162 yuan, 338 yuan of Shang Yu.
After central server 1 obtains 338 yuan of car insurance remaining cost, by data feedback to insurance terminal 2, insurance
Proxy terminal 3 and client terminal 5, user A can be selected to withdraw deposit 338 yuan or guarantor prolonged in 338 yuan of selections by client terminal 5.
User A selection is withdrawn deposit, and the insurance agent terminal 3 of insurance agency, insurance agent are returned result to after audit
Company is committed to the insurance terminal 2 of insurance company, and insurance company makes loans, then is delivered to client terminal by central server 1
In the remaining sum wallet of the end 5APP, client withdraws deposit completion；
After guarantor is prolonged in user A selection, after central server 1 receives information, according to mostly into few benefit principle, returning result to guarantor
Dangerous proxy terminal 3, insurance agency transfer to the insurance terminal 2 of insurance company, insurance company puts on record and signs after examination & approval
Contract starts to fulfil new contract.Final result is returned into client terminal 5.
The above is only used to illustrate the technical scheme of the present invention and not to limit it, and those of ordinary skill in the art are to this hair
The other modifications or equivalent replacement that bright technical solution is made, as long as it does not depart from the spirit and scope of the technical scheme of the present invention,
It is intended to be within the scope of the claims of the invention.
Claims (6)
1. a kind of property right vehicle multimode based on Internet of Things insures charge system, it is characterised in that: it includes
Central server, for receiving subscriber identity information, the quiescent time of property right vehicle and runing time, the throwing of insurance company
Breath and contract information-preserving；Insurance premium caused by property right vehicle hour is calculated, and by the insurance premium of generation and is insured letter
Expense in breath is compared, and result is fed back to insurance agent terminal and insurance terminal；
Insure terminal, the insurance record and insurance contract of property right vehicle are transmitted to central server；
Insurance agent terminal receives central server information, and the identity information of user and corresponding insurance premium is transmitted to
Insure terminal and central server；
Vegicle recorder is installed on property right vehicle, for recording the identity information of property right vehicle, when the parking of property right vehicle
Between, the runing time of property right vehicle；
Client terminal receives the related insurance expense service condition of central server, pay the fees and feed back to payment information
Central server.
2. a kind of property right vehicle multimode based on Internet of Things according to claim 1 insures charge system, feature exists
In: the insurance terminal achieves storage to property right information of vehicles and insurance, and provides insurance contract, is committed to central server,
Result is returned to client terminal by central server.
3. a kind of property right vehicle multimode based on Internet of Things according to claim 1 insures charge system, feature exists
In: the insurance agent terminal audits the identity information of property right vehicle, and insurance premium is paid, and is committed to central server, center
Result is returned to insurance terminal by server.
4. a kind of property right vehicle multimode based on Internet of Things according to claim 1 insures charge system, feature exists
In: the vegicle recorder is transmitted based on 4G or 5G internet communication, for recording stationary vehicle time and runing time, according to
The customer information of property right vehicle is stored in central server, and the affiliated client of property right vehicle is entered specific time by client terminal and looks into
After inquiry condition, the central server is counted according to the vehicle use state of the client terminal logged in；According to the vehicle
The System result of information is calculated specific insurance premium in real time, and real-time perfoming is analyzed, the result that will be analyzed in real time
It is sent to the client terminal.
5. a kind of property right vehicle multimode based on Internet of Things according to claim 1 insures charge system, feature exists
In: the client terminal is connect with the central server by internet communication；The central server and vegicle recorder
It is connected by 4G, 5G or internet communication；The insurance agent terminal is connect with central server by internet communication；It is described
Insurance terminal is connect with central server by internet communication.
6. a kind of property right vehicle multimode based on Internet of Things according to claim 1 insures charge system, feature exists
In: the client terminal is one of smart phone, tablet computer or PC machine or multiple combinations.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910516266.4A CN110415127A (en) | 2019-06-14 | 2019-06-14 | A kind of property right vehicle multimode insurance charge system based on Internet of Things |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910516266.4A CN110415127A (en) | 2019-06-14 | 2019-06-14 | A kind of property right vehicle multimode insurance charge system based on Internet of Things |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110415127A true CN110415127A (en) | 2019-11-05 |
Family
ID=68359095
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910516266.4A Pending CN110415127A (en) | 2019-06-14 | 2019-06-14 | A kind of property right vehicle multimode insurance charge system based on Internet of Things |
Country Status (1)
| Country | Link |
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| CN (1) | CN110415127A (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002297910A (en) * | 2001-03-29 | 2002-10-11 | Aioi Insurance Co Ltd | Fluctuating consumption type insurance system |
| JP2003076859A (en) * | 2001-09-03 | 2003-03-14 | Omron Corp | Insurance premium accounting device, insurance premium accounting system, insurance premium accounting method, insurance premium accounting program, computer- readable recording medium with it recorded thereon |
| CN109214930A (en) * | 2017-07-07 | 2019-01-15 | 成都优赞网络科技有限公司 | Car insurance calculation method, device and service terminal |
-
2019
- 2019-06-14 CN CN201910516266.4A patent/CN110415127A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002297910A (en) * | 2001-03-29 | 2002-10-11 | Aioi Insurance Co Ltd | Fluctuating consumption type insurance system |
| JP2003076859A (en) * | 2001-09-03 | 2003-03-14 | Omron Corp | Insurance premium accounting device, insurance premium accounting system, insurance premium accounting method, insurance premium accounting program, computer- readable recording medium with it recorded thereon |
| CN109214930A (en) * | 2017-07-07 | 2019-01-15 | 成都优赞网络科技有限公司 | Car insurance calculation method, device and service terminal |
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| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20220207 Address after: 310052 room 318, floor 3, No. 277, Internet of things street, Xixing street, Binjiang District, Hangzhou City, Zhejiang Province Applicant after: Hangzhou Dawo Software Co.,Ltd. Address before: 323500 303-02, No. 142, Renmin North Road, Hongxing street, Jingning She Autonomous County, Lishui City, Zhejiang Province Applicant before: Yunmihui Insurance Agency Co.,Ltd. Applicant before: Hangzhou Dawo Software Co.,Ltd. |
|
| TA01 | Transfer of patent application right | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20191105 |
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| WD01 | Invention patent application deemed withdrawn after publication |