CN204695407U - Car insurance charge system - Google Patents
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- CN204695407U CN204695407U CN201520440054.XU CN201520440054U CN204695407U CN 204695407 U CN204695407 U CN 204695407U CN 201520440054 U CN201520440054 U CN 201520440054U CN 204695407 U CN204695407 U CN 204695407U
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Abstract
The utility model relates to a kind of charge system, particularly a kind of car insurance charge system, comprises mobile terminal, vehicle positioning module, back-stage management center, declaration form query interface, premium look into calculation interface.User, by mobile terminal binding account and information of vehicles, submits to backstage administrative center simultaneously and exempts to protect application.Transferring the running data recorded in vehicle positioning module determines actual trip number of days on the one hand at back-stage management center, inquired about by declaration form query interface on the other hand and veritify the insured information of user, looking into finally by premium and calculate that interface captures user is enjoyable exempts from insurance money volume and move back expense.The utility model establish one flexibly insurance premium pay mode, according to the trip number of days that reality produces, pay premium, effectively avoid the wasting of resources, this solution is applicable to Ge Jia insurance company simultaneously, facilitate car owner to go on a journey, can make more popular participation to " low-carbon (LC) go on a journey, environmental protection " on come.
Description
Technical field
The utility model relates to a kind of charge system, particularly a kind of car insurance charge system.
Background technology
At present, the mode of paying of known insurance industry premium can allow insurer select monthly usually, by half a year or pay premium of insurance per year, nil-norm monthly pays premium of insurance.But, live in each people in city yearn for and the one way of life mode of fashion along with " Green Travel, low-carbon environment-friendly " become gradually.Increasing people has changed trip mode, rides in a bus, the public transport such as subway, and by bus, environmental protection is driven in cooperation, or walking, the mode such as by bike.Stock idle is in warehouse, but huge insurance premium still needs to pay every day.For numerous car owners, a kind of mode of eager needs can realize " daily " calculating premium, namely calculates insurance premium by the number of days of reality trip.
It is 1 year that existing insurance premium pays the mode cycle of accepting insurance, even this month stock idle is in garage, also needs the insurance premium paying writing, very flexible; The utility model object be set up one flexibly insurance premium pay mode, according to the trip number of days that reality produces, pay premium, effectively avoid the wasting of resources, make on to " low-carbon (LC) trip environmental protection " of more popular participation.
The usual vehicle insurance cycle of accepting insurance is 1 year, but if the vehicle distances date of retirement less than 1 year can with insurance company consult determine insurance period.Along with, the reform of business vehicle insurance clause tariff management system in 2008, insurance company is proposed some new products, new service, new mechanism etc., fulfills, and be exactly less that accident underpays money, but the cycle of accepting insurance is constant concerning numerous car owners.Along with the life idea of low-carbon environment-friendly is more and more universal, Green Travel more and more obtains the favor of people, like that vehicle commander is left unused in garage the time, but huge premium is day by day in loss, car owner is more and more stronger to the demand of accepting insurance by reality trip number of days, being desirably in can in order to avoid protects, without the need to bearing non-essential insurance premium in date of not going on a journey.
Utility model content
The deficiency of premium can not be calculated " daily " in order to overcome insurance industry, the purpose of this utility model be to provide one easily vehicle exempt from guarantor's cycle apply for service, the application of exempting from guarantor's cycle can be sent whenever and wherever possible to backstage administrative center, examination & verification, by rear, exempts from return from paid-up insurance premium the premium daily calculated in guarantor's cycle.The utility model object be set up one flexibly insurance premium pay mode, according to the trip number of days that reality produces, pay premium, effectively avoid the wasting of resources, this solution is applicable to Ge Jia insurance company simultaneously, facilitate car owner to go on a journey, can make more popular participation to " low-carbon (LC) go on a journey, environmental protection " on come.
According to the car insurance charge system that the utility model proposes, it is characterized in that, comprise mobile terminal, vehicle positioning module, back-stage management center, declaration form query interface, premium look into calculation interface; Mobile terminal, for data query, account is bound, and submits the application of deduction and exemption vehicle insurance premium to; Vehicle positioning module, for collecting the travel situations of vehicle of insuring, and is sent to back-stage management center by the actual trip situation of vehicle of insuring; Back-stage management center, comprise database server, application server and cloud data center, and be connected with native system each several part by free wireless public communication network and optical-fibre communications mode, for leading subscriber data, transfer the driving information recorded in vehicle positioning module, veritify insured information, inquiry declaration form, looks into and calculates protection amount; Declaration form query interface, transfers declaration form data for back-stage management center from declaration form stored data base; Premium looks into calculation interface, obtains exempt to protect value data for back-stage management center from database.
Principle of work of the present utility model is: car owner uses mobile phone to apply the Green Travel plan reporting oneself, can exempt to protect to the application of insured insurance company for the cycle not going out car.Car owner is by the binding of mobile phone by personal account and motor vehicle.Motor vehicle is provided with vehicle carried pick device, can the particular location of positioned vehicle.Car owner exempts to protect application to the transmission of backstage administrative center by mobile phone when wanting to exempt to protect, a traveling of validating the car back-stage management centronucleus makes the decision whether agreeing to exempt to protect after recording, if namely vehicle is not gone out in this period of cycle, then the premium in this period of cycle is returned to car owner; If veritify vehicle had car situation, car owner can not exempt to protect.
The utility model is its remarkable advantage compared with prior art: the innovation that the utility model system will bring premium to look into calculation pattern, car owner can without the need to the premium of insurance of payment of vehicle idle period on the one hand, the activity that can promote on the other hand that numerous car owners participate in " Green Travel; low-carbon environment-friendly ", for oneself strength of environmental protection cause contribution of country, allow " Green Travel, low-carbon environment-friendly " to be no longer a slogan, become country's " Huimin is favorable to the people " new direction.
Accompanying drawing explanation
Fig. 1 is the car insurance charge system configuration diagram that the utility model proposes.
Fig. 2 is the mobile terminal application homepage design sketch that the utility model proposes.
Fig. 3 is the information of vehicles binding schematic flow sheet that the utility model proposes.
Fig. 4 is the information of vehicles binding page design sketch that the utility model proposes.
Fig. 5 is that schematic flow sheet is veritified in the vehicle driving application that the utility model proposes.
Embodiment
Below in conjunction with drawings and Examples, the utility model is described in further detail.
By reference to the accompanying drawings 1, embodiment of the present utility model is as follows: the utility model is looked into calculate interface composition primarily of mobile terminal, vehicle positioning module, back-stage management center, declaration form query interface, premium.Mobile terminal, for data query, account is bound, and submits the application of deduction and exemption vehicle insurance premium to; Vehicle positioning module, for collecting the travel situations of vehicle of insuring, and is sent to back-stage management center by the actual trip situation of vehicle of insuring; Back-stage management center, comprise database server, application server and cloud data center, and be connected with native system each several part by free wireless public communication network and optical-fibre communications mode, for leading subscriber data, transfer the driving information recorded in vehicle positioning module, veritify insured information, inquiry declaration form, looks into and calculates protection amount; Declaration form query interface, transfers declaration form data for back-stage management center from declaration form stored data base; Premium looks into calculation interface, obtains exempt to protect value data for back-stage management center from database.
Described mobile terminal is the mobile phone terminal supporting iOS or Android.As shown in Figure 2, user by installing APP application on mobile terminals, by the binding of personal account and vehicle, vehicle carried pick device, exempt from guarantor's cycle apply for, Green Travel record queries.Mobile terminal can realize following function:
(1) binding of APP account and vehicle, can input owner name, license plate number, number of policy or scanned insurance list Quick Response Code mode at mobile phone A PP end, submits vehicle binding application to.This binding application is committed to back-stage management center, administrative center, by the declaration form query interface of access Insurance Regulatory Commission, reads the owner information of this declaration form, veritifies with owner name, the license plate number information being committed to system, after information is mated completely, binding applicant by.After binding success, check the vehicle insurance type, declaration form time limit etc. of this vehicle by APP.
(2) binding of vehicle and vehicle carried pick device, after vehicle and APP account binding success, by the Quick Response Code on scanning vehicle carried pick device, realizes the binding of vehicle and vehicle carried pick device.
(3) Green Travel is exempted from guarantor's cycle and is applied for submission, and car owner selects the beginning and ending time stopping protecting at APP, obtain vehicle location, submit applications.End time, back-stage management center travelled record and resting state by transferring the history GPS of application Green Travel vehicle in application time section, carries out authenticity veritification to the application that it is submitted to after date.As this application vehicle was not gone on a journey really in requisition cycle, then the premium that this period is saved is back to its account.
(4) Green Travel record is checked and is shared, check the Green Travel record that each car is detailed, with the form of go on a journey calendar and broken line graph, image presents the liveness of Green Travel, also can the Green Travel record of oneself be shared to circle of friends, drive friend at one's side to participate in the ranks of environmental protection trip.
Described vehicle positioning module, adopts base station and GPS mixed positioning pattern, is provided with simultaneously and presses sensing and controlling device, for monitoring illegal situation of removing sensing equipment, and sends warning message to backstage administrative center and insurance company.Vehicle carried pick device, is responsible for veritifying the authenticity exempting from whether go on a journey in guarantor's cycle that car owner submits to according to GPS locating information.This device is made up of multifunctional sensing hardware and watch on-line, the hardware sensor that this product utilization is leading in the world, adopts Trinitarian station-keeping mode, precise positioning vehicle location.Vehicle carried pick device is with pressing sensing control, if car owner illegally removes sensing equipment voluntarily, system platform can report warning message immediately, and send insurance company to by SMS form, and detail location, temporal information that host vehicle sensing equipment can be pointed out to remove, efficiently avoid the malice application of car owner, as application vehicle driving, there is Claims Resolution event, have good grounds.
Described premium looks into the functional module calculated and be packaged with in interface and calculate and exempt from insurance money volume.When need to know user actual produce exempt from insurance money volume time, back-stage management center is looked into calculation interface by premium and is sent the computation requests exempting from insurance money volume, the computing module encapsulated by interface internal calculate final exempt from insurance money volume after, by this data feedback to back-stage management center.
Described back-stage management center, is responsible for data communication and the unified management of whole system, comprises subscriber information management, vehicle information management, vehicle carried pick device management (travelling record, abnormal alarm etc.), information inquiry, information feed back, the function of response user request.Administrative center possesses following basic function:
(1) leading subscriber, registered user's basic information management and log-on message management, comprise hour of log-on, the terminal equipment type of registration and historical log record (unique device number, mobile phone model, device version, operating system, login time, last logout time etc. of registration terminal equipment), Real-Time Monitoring user accesses the record of mobile phone application.
(2) management vehicle, the vehicle of management car owner binding and insured insurance company information.As shown in Figure 3, information of vehicles binding procedure Procedure is as follows: car owner inputs owner name, license plate number, number of policy or scanned insurance list Quick Response Code mode by mobile phone, submits vehicle binding application to.This binding application is committed to back-stage management center, administrative center, by the declaration form query interface of access Insurance Regulatory Commission, reads the owner information of this declaration form, veritifies with owner name, the license plate number information being committed to system, after information is mated completely, binding applicant by.As shown in Figure 4, after binding success, check the vehicle insurance type, declaration form time limit etc. of this vehicle by APP.
(3) manage vehicle carried pick device, transfer the history of application Green Travel vehicle in application time section at any time and travel record and resting state, vehicle is had at fingertips exempting to protect the ruuning situation of requisition cycle, authenticity veritification can be carried out to the application that it is submitted to.GPS adopts and presses sensing control simultaneously, and equipment reports warning message immediately after vehicle is removed, and sends car owner to by SMS form.System can also point out other fortuitous events such as electricity is low, external damage, processes to facilitate car owner.
(4) respond the request that user exempts to protect, looked into by premium and calculate interface and obtain that car owner is enjoyable exempts from insurance money volume, feed back in the application of car owner's mobile phone.As shown in Figure 5, exempt to protect and apply for that veritification flow process is as follows: car owner selects the beginning and ending time of exempting to protect in the APP application of mobile terminal, acquisition vehicle location, submit applications.End time, back-stage management center travelled record and resting state by transferring the history GPS of application Green Travel vehicle in application time section, carries out authenticity veritification to the application that it is submitted to after date.As this application vehicle was not gone on a journey really in requisition cycle, then the premium that this period is saved is back to its account.
(5) data management, the premium amount of money of exempting from guarantor's application number of days and corresponding saving of statistical system, to large data analysis, understand which annual or which day car owner monthly is more ready to select Green Travel, such statistics is carried out magnitude of traffic flow restriction to traffic and transportation sector and is specified and have important reference value the moon.
Claims (5)
1. car insurance charge system, is characterized in that, comprises mobile terminal, vehicle positioning module, back-stage management center, declaration form query interface, premium look into calculation interface,
Mobile terminal, for data query, account is bound, and submits the application of deduction and exemption vehicle insurance premium to; Vehicle positioning module, for collecting the travel situations of vehicle of insuring, and is sent to back-stage management center by the actual trip situation of vehicle of insuring;
Back-stage management center, comprise database server, application server and cloud data center, and be connected with native system each several part by free wireless public communication network and optical-fibre communications mode, for leading subscriber data, transfer the driving information recorded in vehicle positioning module, veritify insured information, inquiry declaration form, looks into and calculates protection amount;
Declaration form query interface, transfers declaration form data for back-stage management center from declaration form stored data base;
Premium looks into calculation interface, obtains exempt to protect value data for back-stage management center from database.
2. car insurance charge system according to claim 1, is characterized in that described mobile terminal is the mobile phone terminal supporting iOS or Android.
3. car insurance charge system according to claim 1, is characterized in that described vehicle positioning module, is provided with and presses sensing and controlling device, for monitoring illegal situation of removing sensing equipment, and sends warning message to backstage administrative center and insurance company.
4. car insurance charge system according to claim 1, is characterized in that described vehicle positioning module, adopts base station and GPS mixed positioning pattern.
5. car insurance charge system according to claim 1, is characterized in that described premium is looked into calculation interface internal and is packaged with the functional module calculating and exempt from insurance money volume.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201520440054.XU CN204695407U (en) | 2015-06-25 | 2015-06-25 | Car insurance charge system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201520440054.XU CN204695407U (en) | 2015-06-25 | 2015-06-25 | Car insurance charge system |
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| CN204695407U true CN204695407U (en) | 2015-10-07 |
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| CN201520440054.XU Active CN204695407U (en) | 2015-06-25 | 2015-06-25 | Car insurance charge system |
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Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105894609A (en) * | 2015-11-11 | 2016-08-24 | 乐卡汽车智能科技（北京）有限公司 | Data processing method and device and car insurance system |
| CN107133875A (en) * | 2016-02-26 | 2017-09-05 | 深圳靶向信息服务有限公司 | automobile insurance management system |
| CN107590740A (en) * | 2017-08-16 | 2018-01-16 | 芜湖恒天易开软件科技股份有限公司 | timing purchase insurance system |
| CN107644380A (en) * | 2016-07-20 | 2018-01-30 | 平安科技（深圳）有限公司 | Vehicle insurance premium move back expense treating method and apparatus |
| CN107644382A (en) * | 2016-07-22 | 2018-01-30 | 平安科技（深圳）有限公司 | Policy information statistical method and device |
| CN109034594A (en) * | 2018-07-19 | 2018-12-18 | 金贝万联（北京）科技发展有限公司 | A kind of vehicle business management platform |
| CN109086592A (en) * | 2018-06-29 | 2018-12-25 | 深圳市买买提信息科技有限公司 | Method, server and the system of user information and account information binding |
| 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 |
| CN110234086A (en) * | 2019-05-31 | 2019-09-13 | 西南石油大学 | Insurance based on car networking daily charge system and method |
| CN111967865A (en) * | 2020-06-23 | 2020-11-20 | 西安艾润物联网技术服务有限责任公司 | Self-service refund method and device for vehicle related fees |
| CN112351419A (en) * | 2020-06-02 | 2021-02-09 | 北京车与车科技有限公司 | Vehicle insurance method based on non-hardware equipment paying according to actual application |
-
2015
- 2015-06-25 CN CN201520440054.XU patent/CN204695407U/en active Active
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105894609A (en) * | 2015-11-11 | 2016-08-24 | 乐卡汽车智能科技（北京）有限公司 | Data processing method and device and car insurance system |
| CN107133875A (en) * | 2016-02-26 | 2017-09-05 | 深圳靶向信息服务有限公司 | automobile insurance management system |
| CN107644380A (en) * | 2016-07-20 | 2018-01-30 | 平安科技（深圳）有限公司 | Vehicle insurance premium move back expense treating method and apparatus |
| CN107644382A (en) * | 2016-07-22 | 2018-01-30 | 平安科技（深圳）有限公司 | Policy information statistical method and device |
| 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 |
| CN107590740A (en) * | 2017-08-16 | 2018-01-16 | 芜湖恒天易开软件科技股份有限公司 | timing purchase insurance system |
| CN109086592A (en) * | 2018-06-29 | 2018-12-25 | 深圳市买买提信息科技有限公司 | Method, server and the system of user information and account information binding |
| CN109034594A (en) * | 2018-07-19 | 2018-12-18 | 金贝万联（北京）科技发展有限公司 | A kind of vehicle business management platform |
| CN110234086A (en) * | 2019-05-31 | 2019-09-13 | 西南石油大学 | Insurance based on car networking daily charge system and method |
| CN112351419A (en) * | 2020-06-02 | 2021-02-09 | 北京车与车科技有限公司 | Vehicle insurance method based on non-hardware equipment paying according to actual application |
| CN111967865A (en) * | 2020-06-23 | 2020-11-20 | 西安艾润物联网技术服务有限责任公司 | Self-service refund method and device for vehicle related fees |
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