Vehicle insurance method for paying according to practical application based on non-hardware equipment

Abstract

The invention discloses a vehicle insurance method for paying according to practical application based on non-hardware equipment, and relates to the technical field of vehicle insurance. After a usercompletes whole-process purchase of vehicle insurance, a vehicle owner or a family user installs and registers a corresponding mobile application, the mobile application automatically collects a mobile phone terminal serial code of the user and an imsi number of a sim card, it is ensured that the mobile application uniquely corresponds to one mobile terminal and one mobile phone card, and the userinputs information of a vehicle needing to purchase the vehicle insurance as required. According to the vehicle insurance method for paying based on the non-hardware equipment, system popularizationcost is reduced, hardware equipment does not need to be customized, the system cost is reduced, hardware equipment does not need to be installed, extra network transmission equipment is not needed, auser knows a risk result after a vehicle insurance commercial insurance limit expires, and cost return can be obtained; the invention serves as an award for effective safe driving behaviors, is an award for advocating green travel, and is an effective and reasonable technical landing scheme for encouraging less driving.

Description

technical field [0001] The invention relates to the technical field of auto insurance, in particular to an auto insurance method based on non-hardware equipment and paid according to actual application. Background technique [0002] Motor vehicle insurance is auto insurance, which refers to a kind of commercial insurance that is liable for personal injury or property loss caused by motor vehicles due to natural disasters or accidents. Motor vehicle insurance is "auto insurance", which is based on the motor vehicle itself and its The liability of the third party is a kind of transportation insurance that is the subject of insurance. Its insurance customers are mainly corporate bodies and individuals who own various motor vehicles; the subject of insurance is mainly various types of automobiles, but also includes trams and battery cars. and other special vehicles and motorcycles. [0003] The traditional UBI mode of auto insurance (Usage Based Insurance) refers to the collect...

AI Technical Summary

Problems solved by technology

[0004] The biggest disadvantage of this solution is that it is necessary to re-install the corresponding on-board equipment for each vehicle. Different vehicle brands and models need to install corresponding equipment, and require the owner to go to the designated site for installation, or express the equipment to the owner. Remote guide installation

No matter which solution is adopted, there will be a large cost and time cost, which will lead to the failure of UBI auto insurance to be implemented

[0005] In order to transmit the collected data to the cloud synchronously and in real time, the monitoring vehicle equipment that needs to be installed later needs to have the function of network transmission. As a part of the metal enclosure, the vehicle will have a certain shielding effect on network transmission, and will also generate "Internet traffic charges" It is also difficult for users to accept it, resulting in mediocre results. For this reason, a car insurance method based on non-hardware equipment that pays for the actual application is proposed to solve the above problems

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