CN110675271A - Method for providing best quality insurance scheme for customer - Google Patents
Method for providing best quality insurance scheme for customer Download PDFInfo
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- CN110675271A CN110675271A CN201910909401.1A CN201910909401A CN110675271A CN 110675271 A CN110675271 A CN 110675271A CN 201910909401 A CN201910909401 A CN 201910909401A CN 110675271 A CN110675271 A CN 110675271A
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Abstract
The invention discloses a method for providing a best quality insurance scheme for a customer, which comprises the following operation steps: the insurance sales service end provides a vehicle insurance quotation entrance for the client side by opening an API with a third-party data company, acquires basic vehicle information and user information, opens the API with each major insurance company, and provides a novel vehicle insurance quotation system for one-key order output; the user client inputs a mobile phone number and a license plate number in a novel car insurance quotation system provided by the insurance sales server, and the car insurance quotation system acquires the vehicle information according to the vehicle number and carries out simulation estimation on the basic information of the vehicle; the vehicle insurance quotation system automatically quotates according to the estimation result of the basic information of the vehicle, and provides different types of insurance packages for the user to select; and the user client selects the optimal structure to verify according to the insurance package contents displayed by the car insurance quotation system by combining the self requirements and the practicability requirements, and performs online payment after determining the selection scheme to complete the order.
Description
Technical Field
The invention relates to the field of insurance promotion, in particular to a method for providing a best quality insurance scheme for a customer.
Background
In China, in the sale of property insurance, vehicle insurance is the largest in premium scale, the traditional sale of vehicle insurance always gives priority to the traditional face-to-face sale of channels, and is mainly divided into four channels, namely a personal insurance agent, a vehicle-merchant channel of a 4S store, a group insurance direct sale channel of a company and a broker company sale channel, the current development of global Internet informatization is accompanied with the network sale of the Internet, and the appearance of an electronic commerce platform leads the mode of obtaining information by consumers to be changed in a coverage way, the vehicle insurance + the Internet is accepted by the consumers with the advantages of high efficiency and low cost, and when the users buy the vehicle insurance, the following two modes can be adopted: firstly, vehicle insurance quotation is carried out on a platform of one insurance company of the heart instrument, and vehicle insurance quotation results of the insurance company (defined as A insurance company) are obtained; and secondly, part of the users can directly invest in the insurance company A, the rest of the users can make car insurance quotation in a system provided by another main insurance company, the insurance company (defined as the insurance company B) car insurance quotation result is obtained, even more, the users make comparison and analysis of the car insurance quotation result of the insurance company A, B. There are limitations to the user in either way. The user adopting the method one does not compare the offer results of multiple car insurance, and can not select the best, if the rate of the home insurance company is not favorable enough, the user may pay more than hundreds of prices to obtain the insurance policy; the second method has low efficiency, the user spends about 5-10 minutes from inputting the mobile phone number and the quotation initial page of the license plate number to finally obtaining the quotation result, and each main insurance company tries one by one, which wastes time.
Disclosure of Invention
The present invention is directed to a method for providing a customer with an insurance solution with optimal quality, so as to solve the problems of the background art.
In order to achieve the purpose, the invention provides the following technical scheme: a method of providing an optimum insurance scheme to a customer, comprising the steps of:
s1: the insurance sales service end provides a vehicle insurance quotation entrance for the client side by opening an API with a third-party data company, acquires basic vehicle information and user information, opens the API with each major insurance company, and provides a novel vehicle insurance quotation system for one-key order output;
s2: the user client inputs a mobile phone number and a license plate number in a novel car insurance quotation system provided by the insurance sales server, and the car insurance quotation system acquires the vehicle information according to the vehicle number and carries out simulation estimation on the basic information of the vehicle;
s3: the vehicle insurance quotation system automatically quotates according to the estimation result of the basic information of the vehicle, and provides different types of insurance packages for the user to select;
s4: and the user client selects the optimal structure to verify according to the insurance package contents displayed by the car insurance quotation system by combining the self requirements and the practicability requirements, and performs online payment after determining the selection scheme to complete the order.
Preferably, after the vehicle owner inputs the vehicle information in S2), the vehicle insurance quotation system determines whether the vehicle is a new vehicle without license plate, and if the vehicle is a new vehicle without license plate, the vehicle insurance quotation system can automatically query the vehicle and the vehicle owner information; if the vehicle is not a new vehicle which is not on the license, the user is required to manually perfect the vehicle information.
Preferably, the vehicle information to be completed in S2) includes the vehicle model, purchase time, vehicle mileage, and fault condition that has occurred.
Preferably, the car insurance quotation system can be displayed through an APP (application) on the mobile equipment or a PC (personal computer) end of the insurance sales service end, and the insurance sales service end provides corresponding customer service personnel to provide manual consultation service for the car insurance quotation system.
Preferably, the quotation results provided in S3) include the quotation contents of a plurality of main stream insurance companies, and are subjected to multidimensional display analysis according to a certain strategy; the same user can obtain the vehicle insurance quotation results of different main stream insurance companies under the same insurance package by one key only by registering the vehicle information once, and the vehicle insurance quotation results comprise different rate policy information under different insurance companies.
Preferably, after the user client determines the optimal condom meal in S4), a plurality of online quick payment approaches including unionpay payment, WeChat payment, Payment and the like can be selected.
Compared with the prior art, the invention has the beneficial effects that: the method comprises the following aspects:
firstly, aiming at the optimization of a vehicle insurance marketing strategy, the insurance level of a vehicle is improved, and the income of insurance is increased, at present, the marketing on a vehicle insurance line is very fierce, a user can quote only by inputting a license plate number and a mobile phone number, a platform can automatically acquire the vehicle information and the vehicle owner information of the user, the time for filling the information by the user is saved, the time cost is greatly saved undoubtedly, and the competitive capacity is improved;
secondly, the innovation of products is improved, products of each production insurance net marketing plate are basically consistent at present, namely, products of each company are concentrated in strong insurance and business insurance sales, and no other products are sold, so that the vehicle insurance sales competition of each production insurance company is in the price of matching and gift giving; the invention firstly carries out product innovation, provides different car insurance experiences for customers, enjoys the offers of a plurality of insurance companies by the same car, and can make a selection according to the self condition and the comprehensive consideration of a plurality of offer results, so that the experience can change the current car insurance sales state, attract the attention of the customers by a distinctive product and improve the order rate of the customers.
Drawings
Fig. 1 is a schematic view of the working process of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, the present invention provides a technical solution: a method of providing an optimum insurance scheme to a customer, comprising the steps of:
s1: the insurance sales service end provides a vehicle insurance quotation entrance for the client side by opening an API with a third-party data company, acquires basic vehicle information and user information, opens the API with each major insurance company, and provides a novel vehicle insurance quotation system for one-key order output;
s2: the user client inputs a mobile phone number and a license plate number in a novel car insurance quotation system provided by the insurance sales server, and the car insurance quotation system acquires the vehicle information according to the vehicle number and carries out simulation estimation on the basic information of the vehicle;
s3: the vehicle insurance quotation system automatically quotates according to the estimation result of the basic information of the vehicle, and provides different types of insurance packages for the user to select;
s4: and the user client selects the optimal structure to verify according to the insurance package contents displayed by the car insurance quotation system by combining the self requirements and the practicability requirements, and performs online payment after determining the selection scheme to complete the order.
Further, after the vehicle owner inputs the vehicle information in S2), the vehicle insurance quotation system determines whether the vehicle is a new vehicle without license plate, and if the vehicle is a new vehicle without license plate, the vehicle insurance quotation system can automatically query the vehicle and the vehicle owner information; if the vehicle is not a new vehicle which is not on the license, the user is required to manually perfect the vehicle information.
Further, the vehicle information to be completed in S2) includes the vehicle model, the purchase time, the mileage of the vehicle, and the occurred failure condition.
Further, the car insurance quotation system can be displayed through an APP on the mobile device or a PC (personal computer) end of the insurance sales service end, and the insurance sales service end provides corresponding customer service personnel to provide manual consultation service for the car insurance quotation system.
Further, the quotation results provided in S3) include the quotation contents of a plurality of main stream insurance companies, and are subjected to multidimensional display analysis according to a certain strategy; the same user can obtain the vehicle insurance quotation results of different main stream insurance companies under the same insurance package by one key only by registering the vehicle information once, and the vehicle insurance quotation results comprise different rate policy information under different insurance companies.
Further, after the user client determines the optimal condom meal in S4), a plurality of online quick payment approaches including unionpay payment, wechat payment, pay treasure payment, etc. may be selected.
The working principle is as follows:
the insurance sales service end provides a vehicle insurance quotation entrance for the client side by opening an API with a third-party data company, acquires basic vehicle information and user information, opens the API with each major insurance company, and provides a novel vehicle insurance quotation system for one-key order output; the user client inputs a mobile phone number and a license plate number in a novel car insurance quotation system provided by the insurance sales server, and the car insurance quotation system acquires the vehicle information according to the vehicle number and carries out simulation estimation on the basic information of the vehicle;
the vehicle insurance quotation system automatically quotates according to the estimation result of the basic information of the vehicle, and provides different types of insurance packages for the user to select; and the user client selects the optimal structure to verify according to the insurance package contents displayed by the car insurance quotation system by combining the self requirements and the practicability requirements, and performs online payment after determining the selection scheme to complete the order.
The specific name of the car insurance quotation system is old driver's system of benefiting guests (for short: boon tong V1.0.0, accession number: 2018SR 170272.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (6)
1. A method of providing a best-quality insurance scheme to a customer, comprising: the method comprises the following operation steps:
s1: the insurance sales service end provides a vehicle insurance quotation entrance for the client side by opening an API with a third-party data company, acquires basic vehicle information and user information, opens the API with each major insurance company, and provides a novel vehicle insurance quotation system for one-key order output;
s2: the user client inputs a mobile phone number and a license plate number in a novel car insurance quotation system provided by the insurance sales server, and the car insurance quotation system acquires the vehicle information according to the vehicle number and carries out simulation estimation on the basic information of the vehicle;
s3: the vehicle insurance quotation system automatically quotates according to the estimation result of the basic information of the vehicle, and provides different types of insurance packages for the user to select;
s4: and the user client selects the optimal structure to verify according to the insurance package contents displayed by the car insurance quotation system by combining the self requirements and the practicability requirements, and performs online payment after determining the selection scheme to complete the order.
2. A method for providing a customer with an insurance premium according to claim 1, wherein: s2), after the vehicle owner inputs the vehicle information, the vehicle insurance quotation system judges whether the vehicle is a new vehicle without license plate, if the vehicle is a new vehicle without license plate, the vehicle insurance quotation system can automatically inquire the information of the vehicle and the vehicle owner; if the vehicle is not a new vehicle which is not on the license, the user is required to manually perfect the vehicle information.
3. A method for providing a customer with an insurance premium according to claim 2, wherein: s2) includes the vehicle model, purchase time, vehicle mileage, and the fault condition that has occurred.
4. A method for providing a customer with an insurance premium according to claim 1, wherein: the car insurance quotation system can be displayed through an APP on the mobile device or a PC (personal computer) end of the insurance sales service end, and the insurance sales service end provides corresponding customer service personnel to provide manual consultation service for the car insurance quotation system.
5. A method for providing a customer with an insurance premium according to claim 1, wherein: the quotation results provided in the S3) comprise the quotation contents of a plurality of main stream insurance companies, and are displayed and analyzed in a multi-dimensional way according to a certain strategy; the same user can obtain the vehicle insurance quotation results of different main stream insurance companies under the same insurance package by one key only by registering the vehicle information once, and the vehicle insurance quotation results comprise different rate policy information under different insurance companies.
6. A method for providing a customer with an insurance premium according to claim 1, wherein: s4), after the user client determines the optimal condom meal, a plurality of online quick payment ways can be selected, including Unionpay payment, WeChat payment, Payment and the like.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910909401.1A CN110675271A (en) | 2019-09-25 | 2019-09-25 | Method for providing best quality insurance scheme for customer |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910909401.1A CN110675271A (en) | 2019-09-25 | 2019-09-25 | Method for providing best quality insurance scheme for customer |
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| CN110675271A true CN110675271A (en) | 2020-01-10 |
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| CN201910909401.1A Withdrawn CN110675271A (en) | 2019-09-25 | 2019-09-25 | Method for providing best quality insurance scheme for customer |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111915396A (en) * | 2020-07-23 | 2020-11-10 | 北京祥龙博瑞保险代理有限公司 | Product recommendation method, device, system and storage medium |
| CN112561710A (en) * | 2020-12-03 | 2021-03-26 | 保腾网络科技有限公司 | Internet vehicle insurance ticket issuing method and device and electronic equipment |
| CN115760220A (en) * | 2022-11-08 | 2023-03-07 | 广州广爱汽车咨询服务有限公司 | Digital insurance service platform for realizing multi-insurance department online quotation |
-
2019
- 2019-09-25 CN CN201910909401.1A patent/CN110675271A/en not_active Withdrawn
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111915396A (en) * | 2020-07-23 | 2020-11-10 | 北京祥龙博瑞保险代理有限公司 | Product recommendation method, device, system and storage medium |
| CN112561710A (en) * | 2020-12-03 | 2021-03-26 | 保腾网络科技有限公司 | Internet vehicle insurance ticket issuing method and device and electronic equipment |
| CN115760220A (en) * | 2022-11-08 | 2023-03-07 | 广州广爱汽车咨询服务有限公司 | Digital insurance service platform for realizing multi-insurance department online quotation |
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Application publication date: 20200110 |