Vehicle insurance payment method and system based on occurrence probability of vehicle accident
A technology of accident occurrence and payment system, applied in data processing applications, finance, instruments, etc., can solve the problems of low intelligence, waste of manpower and material resources, etc., and achieve high intelligence, wide application range, and fast data transmission speed Effect
Inactive Publication Date: 2018-12-11
SHANGHAI PATEO ELECTRONIC EQUIPMENT MANUFACTURING CO LTD
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Problems solved by technology
[0004] In view of the shortcomings of the prior art described above, the purpose of the present invention is to provide a vehicle insurance payment method and system based on the probability of vehicle accidents, which is used to solve the problem of low intelligence and waste of a lot of manpower and material resources in the prior art. There is no difference in insurance pricing for different car owners
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[0039] Embodiments of the present invention are described below through specific examples, and those skilled in the art can easily understand other advantages and effects of the present invention from the content disclosed in this specification. The present invention can also be implemented or applied through other different specific implementation modes, and various modifications or changes can be made to the details in this specification based on different viewpoints and applications without departing from the spirit of the present invention. It should be noted that, in the case of no conflict, the following embodiments and features in the embodiments can be combined with each other.
[0040] It should be noted that the diagrams provided in the following embodiments are only schematically illustrating the basic ideas of the present invention, and only the components related to the present invention are shown in the diagrams rather than the number, shape and shape of the compo...
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The invention discloses a vehicle insurance payment method and system based on the occurrence probability of a vehicle accident. The vehicle insurance premium payment method based on the occurrence probability of a vehicle accident comprises the following steps: obtaining historical driving track data of a vehicle, classifying and counting the historical driving track data of the vehicle, obtaining the driving trajectory data after classification and statistics, performing accident occurrence probability analysis on the classified and statistical traveling trajectory data, obtaining the occurrence probability of the vehicle accident, obtaining insurance premium rule data of an insurance company, obtaining insurance measures corresponding to a user, generating an electronic vehicle insurance policy of the user according to the insurance measures corresponding to the user, receiving and displaying the electronic vehicle maintenance insurance policy, providing a payment channel accordingto the electronic vehicle maintenance insurance policy of the user, receiving and processing a payment request of the user, and completing payment. Aiming at the vehicle accident occurrence probability of different vehicle owners, the invention sets the vehicle insurance policy with difference. The vehicle insurance payment method and system are high in intelligence degree and save time and labor.
Description
technical field [0001] The invention relates to the technical field of auto insurance claims, in particular to a vehicle insurance payment method and system based on the probability of occurrence of vehicle accidents. Background technique [0002] With the increase of road vehicles, there are more and more traffic accidents on vehicles. Therefore, vehicle owners also need to pay for vehicle insurance every year. When a vehicle has an accident, vehicle insurance can greatly protect the vehicle owner. [0003] In the prior art, when the car owner needs to pay the auto insurance fee, usually the insurance sales personnel come to serve or the car owner goes to the insurance company to handle the business. Not only is the efficiency low, a lot of manpower and material resources are wasted, but also the probability of vehicle accidents cannot be obtained. For different car owners, there is no difference in insurance pricing, which is not intelligent enough. Contents of the inven...
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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 应宜伦
Owner SHANGHAI PATEO ELECTRONIC EQUIPMENT MANUFACTURING CO LTD