Verifiable vehicle insurance online pushing method and system, terminal and medium
By obtaining the basic and travel data of the vehicle, generating risk assessment information, and providing personalized insurance renewal plans, the problem that existing online vehicle insurance push methods cannot accurately provide renewal plans, and improve user experience and the efficiency of insurance product push.
Patent Information
- Application Number
- CN202411754348.X
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-12-02
- Publication Date
- 2025-04-22
AI Technical Summary
The existing online push method of vehicle insurance cannot accurately provide renewal plans, and frequent pushes can easily interfere with customers and affect user experience.
By confirming the vehicle that is about to expire based on the auto insurance policy, pushing verification information to its associated equipment, obtaining the vehicle's basic data and travel data, generating risk assessment information, and then providing a personalized insurance renewal plan and pushing it to the operation end of the car owner.
It has achieved accurate renewal plans based on customer wishes, reduced invalid and interfering push, and improved user experience and efficiency of insurance product push.
Smart Images
Figure CN119863281A_ABST
Abstract
Description
Technical Field
[0001] The present invention belongs to the technical field of vehicle insurance, and in particular relates to a method, system, terminal and medium based on verifiable online push of vehicle insurance. Background Art
[0002] For general e-commerce and financial companies, their profit growth points come from the development of new customers and the maintenance and improvement of existing customers. Most of the insurance products sold by property and casualty insurance companies to individual customers are one-year products. With the increasing cost of traditional marketing manpower, if the renewal of existing customers can be achieved at a lower cost, it will be of great benefit to production and operation. With the rapid development of new infrastructure of mobile Internet, online renewal without contact with customers has become an important marketing channel. Various marketing and service platforms send auto insurance renewal links to users through WeChat public account template messages, text messages, APP message reminders, etc. within a specific time, and automatically present auto insurance renewal quotation plans, and customers can complete the insurance operation independently.
[0003] However, most of the existing online vehicle insurance push methods cannot accurately provide renewal plans according to the customer's wishes, and frequent pushes are likely to cause interference and disgust to customers, greatly affecting the user experience. Summary of the invention
[0004] The purpose of the present invention is to provide a verifiable vehicle insurance online push method to address the deficiencies in the prior art and to solve any of the above technical problems.
[0005] In order to achieve the above object, the present invention adopts the following technical solution: Based on a verifiable vehicle insurance online push method, including: S1. Confirming a vehicle whose insurance is about to expire according to the insurance policy; and pushing verification information to a device associated with the vehicle; S2. According to the verification information, obtain basic data information and travel data information of the vehicle to generate feedback information; S3, generating vehicle risk assessment information according to the feedback information; S4. generating an insurance renewal plan according to the vehicle risk assessment information; S5. Push the insurance renewal plan to the operating terminal of the vehicle owner corresponding to the vehicle.
[0006] Preferably, the step of confirming a vehicle whose insurance is about to expire according to the insurance policy; and pushing verification information to a device associated with the vehicle includes: Filter out vehicles whose car insurance is about to expire according to the time information on the car insurance policy; wherein the date of the car insurance expiration is 30 to 45 days before the expiration; Push verification information to all associated devices of the vehicle whose car insurance is about to expire within a preset interval.
[0007] Preferably, the step of acquiring basic data information and travel data information of the vehicle according to the verification information to generate feedback information includes: Push the same verification information to the vehicle's onboard system and the communication device associated with the vehicle at the same time; When the confirmation information corresponding to the verification information is obtained, the query route to be collected is obtained to generate the travel data information; Obtaining vehicle information including: license plate number, frame number, engine number, vehicle age, brand model, new vehicle purchase price and issuance date, so as to generate basic data information of the vehicle; The basic data information of the vehicle and the travel data information are aggregated and packaged to generate feedback information.
[0008] Preferably, the step of generating vehicle risk assessment information according to the feedback information comprises: Obtaining the historical number of accidents and the historical claim amount of the vehicle according to the vehicle information in the feedback information; Acquire the high-frequency travel route and the high-frequency parking position of the vehicle according to the travel data information in the feedback information; The vehicle risk assessment information is determined based on the vehicle's historical number of accidents and historical claim amounts combined with the vehicle's high-frequency travel routes and high-frequency parking locations.
[0009] Preferably, when calculating the underwriting risk assessment value, the product operation relationship between the vehicle standard insurance amount and the underwriting risk adjustment coefficient can be C1=(A / 10) / (1+B), where A is the vehicle standard insurance amount, B is the underwriting risk adjustment coefficient, and C1 is the underwriting risk assessment value; When calculating the route and environmental risk assessment values, the operational relationship between the vehicle's high-frequency travel routes and the vehicle's high-frequency parking locations can be C2=D+E; C2 is the route risk assessment value, D is the score corresponding to the vehicle's high-frequency travel routes; E is the score corresponding to the vehicle's high-frequency parking locations; And C0= C1+ C2; C0 is the total score of the vehicle risk assessment to generate vehicle risk assessment information.
[0010] Preferably, the step of generating an insurance renewal plan according to the vehicle risk assessment information includes: When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is greater than the preset underwriting threshold, the product corresponding to the insurance renewal plan is a first-category vehicle insurance product; When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is less than the preset underwriting threshold, the product corresponding to the insurance renewal plan is a second-category vehicle insurance product; When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is equal to the preset underwriting threshold, the product corresponding to the insurance renewal plan is a third-category vehicle insurance product; Among them, the details in the first category of vehicle insurance products are less than those in the second category of vehicle insurance products; the details in the second category of vehicle insurance products are less than those in the third category of vehicle insurance products; the preset underwriting threshold is 75 to 80 points.
[0011] Preferably, the step of pushing the insurance renewal plan to the operating terminal of the vehicle owner corresponding to the vehicle includes: Determine the message push channel; push channels include WeChat public account messages, SMS, APP message reminders, smart voice calls + SMS; The insurance renewal plan is pushed to the owner corresponding to the vehicle through the above-mentioned channel.
[0012] The present invention also discloses a verifiable online push system for vehicle insurance, which is used to execute the verifiable online push method for vehicle insurance; wherein the verifiable online push system for vehicle insurance comprises: An authority verification module, the authority verification module is used to confirm the vehicle whose insurance is about to expire according to the insurance policy; and push verification information to the associated device of the vehicle; A data acquisition module, the data acquisition module is used to obtain basic data information and travel data information of the vehicle according to the verification information; A data analysis module, the data analysis module is used to generate vehicle risk assessment information according to the feedback information, and generate an insurance renewal plan according to the vehicle risk assessment information; A data push module, the data push module is used to push the insurance renewal plan to the operating terminal of the owner corresponding to the vehicle.
[0013] The present invention also discloses a verifiable vehicle insurance online push terminal, comprising: a memory, a processor, and a verifiable vehicle insurance online push program stored in the memory and executable on the processor, wherein the verifiable vehicle insurance online push program implements the steps of the verifiable vehicle insurance online push method when executed by the processor.
[0014] The present invention also discloses a medium on which a verifiable vehicle insurance online push program is stored. When the verifiable vehicle insurance online push program is executed by a processor, the steps of the verifiable vehicle insurance online push method are implemented.
[0015] The beneficial effect of the present invention is that the technical solution first determines the vehicle whose auto insurance is about to expire as confirmed by the auto insurance policy, and at the same time pushes verification information to the associated equipment of the vehicle, so that verification and confirmation can be performed according to the wishes of the authorized personnel of the vehicle to avoid information interference and causing the personnel to feel disgusted; then, based on the verification information, the basic data information and travel data information of the vehicle are obtained to generate feedback information, so as to quickly collect and obtain feedback information, which is conducive to the accuracy of subsequent generation of insurance plans; then, vehicle risk assessment information is generated based on the feedback information to obtain the insurance estimate result of the vehicle; then, an insurance renewal plan is generated based on the vehicle risk assessment information to generate a preliminary plan for reference by authorized personnel; finally, the insurance renewal plan is pushed to the operating terminal of the owner corresponding to the vehicle for reading by authorized personnel, and then the accuracy of the vehicle insurance push results can be improved according to the wishes of the customer, and excessive invalid and interfering pushes can be reduced, thereby improving the user experience and improving the efficiency of vehicle insurance product push. BRIEF DESCRIPTION OF THE DRAWINGS
[0016] The following will refer to the attached Figures 1 to 3 To describe the features, advantages and technical effects of exemplary embodiments of the present invention.
[0017] Figure 1 It is a flow chart of a method for online push based on verifiable vehicle insurance according to an embodiment of the present invention; Figure 2 It is a structural block diagram of a system for online push of verifiable vehicle insurance according to an embodiment of the present invention; Figure 3 It is a structural block diagram of an online push terminal based on verifiable vehicle insurance according to an embodiment of the present invention.
[0018] In the figure: 1001 - processor; 1002 - communication bus; 1003 - user interface; 1004 - network interface; 1005 - memory. DETAILED DESCRIPTION
[0019] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by technicians in the technical field to which this application belongs; the terms used herein are only for the purpose of describing specific embodiments and are not intended to limit this application; the terms "including" and "having" in the specification and claims of this application and the above-mentioned figure descriptions and any variations thereof are intended to cover non-exclusive inclusions.
[0020] In the description of the embodiments of the present application, the technical terms "first", "second", etc. are only used to distinguish different objects, and cannot be understood as indicating or implying relative importance or implicitly indicating the number, specific order or primary and secondary relationship of the indicated technical features. In the description of the embodiments of the present application, the meaning of "multiple" is more than two, unless otherwise clearly and specifically defined.
[0021] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.
[0022] In the description of the embodiments of the present application, the term "and / or" is only a description of the association relationship of the associated objects, indicating that there may be three relationships. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and multiple situations exist alone. In addition, the character " / " in this article generally indicates that the associated objects before and after are in an "or" relationship.
[0023] In the description of the embodiments of the present application, unless otherwise clearly specified and limited, technical terms such as "installed", "connected", "connected", "fixed" and the like should be understood in a broad sense. For example, it can be a fixed connection, a detachable connection, or an integral connection; it can be a mechanical connection or an electrical connection; it can be a direct connection or an indirect connection through an intermediate medium, and it can be the internal connection of two elements or the interaction relationship between two elements. For those of ordinary skill in the art, the specific meanings of the above terms in the embodiments of the present application can be understood according to the specific circumstances.
[0024] The present invention proposes a verifiable vehicle insurance online push method, system, terminal and medium.
[0025] like Figure 3 As shown, Figure 3 It is a schematic diagram of the terminal structure of the hardware operating environment involved in the embodiment of the present invention.
[0026] The terminal of the embodiment of the present invention can be a PC, or it can be a mobile terminal device with display function such as a smart phone, a tablet computer, an e-book reader, an MP3 (Moving Picture Experts Group Audio Layer III) player, an MP4 (Moving Picture Experts Group Audio Layer IV) player, a portable computer, etc.
[0027] like Figure 3 As shown, the terminal may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002. Among them, the communication bus 1002 is used to realize the connection and communication between these components. The user interface 1003 may include a display screen (Display), an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1005 may be a high-speed RAM memory, or a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also be a storage device independent of the aforementioned processor 1001.
[0028] Optionally, the terminal may also include a camera, an RF (Radio Frequency) circuit, a sensor, an audio circuit, a WiFi module, and the like. Among them, sensors include light sensors, motion sensors, and other sensors. Specifically, the light sensor may include an ambient light sensor and a proximity sensor, wherein the ambient light sensor may adjust the brightness of the display screen according to the brightness of the ambient light, and the proximity sensor may turn off the display screen and / or backlight when the mobile terminal is moved to the ear. As a type of motion sensor, the gravity acceleration sensor can monitor the magnitude of acceleration in all directions (generally three axes), and can monitor the magnitude and direction of gravity when stationary. It can be used for applications that identify the posture of the mobile terminal (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer, tapping), etc.; of course, the mobile terminal can also be equipped with other sensors such as gyroscopes, barometers, hygrometers, thermometers, infrared sensors, etc., which will not be repeated here.
[0029] Those skilled in the art will appreciate that the terminal structure shown in the figure does not constitute a limitation on the terminal, and may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently.
[0030] Reference Figure 1 One embodiment of the present invention provides a method for pushing vehicle insurance online based on verifiable vehicle insurance, a system, a terminal and a medium, such as Figure 1 As shown, the method for pushing the vehicle insurance online based on verifiability includes: S1. Confirming a vehicle whose insurance is about to expire according to the insurance policy; and pushing verification information to a device associated with the vehicle; S2. According to the verification information, obtain basic data information and travel data information of the vehicle to generate feedback information; S3, generating vehicle risk assessment information according to the feedback information; S4. generating an insurance renewal plan according to the vehicle risk assessment information; S5. Push the insurance renewal plan to the operating terminal of the vehicle owner corresponding to the vehicle.
[0031] In this embodiment, the technical solution first determines the vehicle whose auto insurance is about to expire as confirmed by the auto insurance policy, and at the same time pushes verification information to the associated device of the vehicle, so that verification and confirmation can be performed according to the wishes of the authorized personnel of the vehicle to avoid information interference and causing the personnel to feel disgusted; then, based on the verification information, the basic data information and travel data information of the vehicle are obtained to generate feedback information, so as to quickly collect and obtain feedback information, which is conducive to the accuracy of subsequent generation of insurance plans; then, based on the feedback information, vehicle risk assessment information is generated to obtain the insurance estimate result of the vehicle; then, based on the vehicle risk assessment information, an insurance renewal plan is generated to generate a preliminary plan for reference by authorized personnel; finally, the insurance renewal plan is pushed to the operating terminal of the owner corresponding to the vehicle for reading by authorized personnel, and then the accuracy of the vehicle insurance push results can be improved according to the wishes of the customer, and excessive invalid and interfering pushes can be reduced, thereby improving the user experience and improving the efficiency of vehicle insurance product push.
[0032] Specifically, in some embodiments, in S1, the step of confirming a vehicle whose insurance is about to expire according to the insurance policy; and pushing verification information to a device associated with the vehicle, includes: Filter out vehicles whose insurance is about to expire according to the time information on the insurance policy; wherein the date of expiration of the insurance is 30 to 45 days before the expiration date; in order to avoid the system exporting vehicles whose insurance is not due for push operation, thereby avoiding causing trouble to authorized personnel, and thus facilitating the recognition and transaction rate of subsequent push solutions; Push verification information to all devices associated with the vehicle whose auto insurance is about to expire within a preset time interval; so as to achieve multiple pushes of relevant verification information to all devices associated with the vehicle whose auto insurance is about to expire within a preset time interval; thereby avoiding unpredictable losses caused by authorized personnel missing the renewal time, and further helping to improve the recognition and transaction rate of subsequent push plans.
[0033] Specifically, in some embodiments, the step of pushing verification information to all devices associated with the vehicle whose car insurance is about to expire within a preset interval includes: Pushing a first preset number of verification messages to all devices associated with the vehicle whose insurance is about to expire within a first long interval; wherein the first long interval is 6 to 7 days; and the first preset number of times is 1 to 2 times; Pushing a second preset number of verification messages to all associated devices of the vehicle whose auto insurance is about to expire within a longer second interval; wherein the longer first interval is 3 to 5 days; and the first preset number is 1 to 2 times; Pushing verification information a third preset number of times to all associated devices of the vehicle whose car insurance is about to expire within a short third interval; wherein the short first interval is 1 to 2 days; and the first preset number of times is 1 to 3 times.
[0034] That is to say, in order to ensure the user experience, in the initial period of 30 to 45 days before expiration, verification information is carried out once or twice every 6 to 7 days to remind users that they need to renew their insurance, and there is plenty of time for renewal, so there is no need to rush. In the mid-term of 30 to 45 days before expiration, verification information is performed once or twice within the first and second intervals of 3 to 5 days, which is longer, to remind users that they need to renew their insurance, and that there is sufficient time for renewal, so they can perform the authentication operation for renewal; In the later period of 30 to 45 days before expiration, verification information is performed once or twice in a short first interval of 1 to 2 days to remind users that they need to renew their insurance, and that the renewal time is tight and they need to use the authentication operation to renew their insurance as soon as possible; thereby realizing the push of verification information in different levels to avoid causing trouble to authorized personnel, which is conducive to improving the recognition and transaction rate of subsequent push plans.
[0035] The associated devices of the vehicle include the vehicle's onboard system and the communication devices associated with the vehicle (such as mobile phones, computers or other communication devices).
[0036] Specifically, in some implementations, in S2, the step of acquiring basic data information and travel data information of the vehicle according to the verification information to generate feedback information includes: Push the same verification information to the vehicle's onboard system and the communication device associated with the vehicle at the same time; When the confirmation information corresponding to the verification information is obtained, the query route to be collected is obtained to generate the travel data information; Obtaining vehicle information including: license plate number, frame number, engine number, vehicle age, brand model, new vehicle purchase price and issuance date, so as to generate basic data information of the vehicle; Aggregate and package the basic data information of the vehicle and the travel data information to form summary information; The authorized personnel of the vehicle's on-board system and / or the communication equipment associated with the vehicle confirm and analyze the summary information to generate feedback information. In other words, in order to increase the privacy and security of the vehicle's on-board system and the communication equipment associated with the vehicle, the summary information formed needs to be browsed and viewed by the authorized personnel, and the content that does not need to be uploaded is screened out, and the remaining information that can be publicly uploaded is adjusted and summarized to generate feedback information.
[0037] Wherein, in some implementations, when obtaining the confirmation information corresponding to the verification information, the step of obtaining the query route to be collected to generate the travel data information includes: When the vehicle's on-board system and the communication device associated with the vehicle simultaneously generate confirmation information corresponding to the verification information, the first navigation travel route of the vehicle's on-board system with a preset number of inquiries and the second navigation travel route of the communication device associated with the vehicle are respectively obtained; the first navigation travel route is compared with the second navigation travel route to obtain all query routes that need to be collected with a large number of repetitions, and the travel data information is generated; at the same time, the route data without repetition is deleted (to achieve privacy protection and improve the safety performance of use); wherein, when the vehicle's on-board system generates the confirmation information corresponding to the verification information, the first navigation travel route of the vehicle's on-board system with a preset number of inquiries is directly obtained; when the communication device associated with the vehicle generates the confirmation information corresponding to the verification information, it is necessary to generate re-authorization information for the navigation software, and then obtain the second navigation travel route with a preset number of inquiries in the navigation software; thereby, the safe use performance of the communication device associated with the vehicle can be improved, and accurate travel data information can be obtained; When only the vehicle system generates confirmation information corresponding to the verification information, the first navigation travel route of the vehicle system for a preset number of times of reference is obtained, and the travel data information is directly generated; When only the communication device associated with the vehicle generates confirmation information corresponding to the verification information, the second navigation travel route with a preset number of views is obtained, and the travel data information is directly generated. It is necessary to generate re-authorization information for the navigation software, and then obtain the second navigation travel route with a preset number of views in the navigation software, and directly generate the travel data information.
[0038] Specifically, in some implementations, in S3, the step of generating vehicle risk assessment information according to the feedback information includes: The historical number of accidents and the historical claim amount of the vehicle are obtained according to the vehicle information in the feedback information; wherein, when calculating the underwriting risk assessment value, the multiplication operation relationship between the vehicle standard insurance amount and the underwriting risk adjustment coefficient can be C1=(A / 10) / (1+B), A is the vehicle standard insurance amount, B is the underwriting risk adjustment coefficient, and C1 is the underwriting risk assessment value. When the number of historical accidents is 0 and the historical claim amount is 0, the underwriting risk adjustment coefficient B is 3 or 4 (when the last insurance is the first insurance, B is 4; when the last insurance is not the first insurance, B is 3); when the number of historical accidents is 1 to 3 and the historical claim amount of each time is 1 to 10,000, the underwriting risk adjustment coefficient B is 5; when the number of historical accidents is greater than 3 and the historical claim amount is greater than 30,000, the underwriting risk adjustment coefficient B is 6; that is, when the standard insurance amount of the vehicle A is 2,600 yuan and B is 2, C1=(2,600 / 10) / (1+3)=65 points; According to the travel data information in the feedback information, the high-frequency travel routes and the high-frequency parking positions of the vehicle are obtained (according to the starting position of the high-frequency travel route, the actual position is collected through the position displayed by the satellite and the navigation icon, and the high-frequency parking position is determined); when calculating the route and environmental risk assessment value, the operation relationship between the high-frequency travel routes of the vehicle and the high-frequency parking positions of the vehicle can be C2=D+E; C2 is the route risk assessment value, D is the score corresponding to the high-frequency travel route of the vehicle; E is the score corresponding to the high-frequency parking position of the vehicle; wherein, when the ratio of urban road route: highway route is ≥6:1, D is selected as 15 points and is regarded as a high-quality value; when 6:1≥urban road route:highway route≥2:1, D is selected as 10 points and is regarded as a medium value; when the ratio of urban road route:highway route is ≥1:6; D is selected as 5 points and is regarded as a high-risk value. When the frequency of vehicles parking at the specified parking position: the frequency of vehicles not parking at the specified parking position is ≥5:1, E uses 5 points; when the frequency of vehicles parking at the specified parking position: the frequency of vehicles not parking at the specified parking position is ≤5:1, E uses 0 points or 1 point. In other words, when the route of urban roads: the route of expressways is ≥6:1, D uses 15 points, which is considered a high-quality value; and when the frequency of vehicles parking at the specified parking position: the frequency of vehicles not parking at the specified parking position is ≥5:1, E uses 5 points; however, C2=15+5=20 points.
[0039] The vehicle risk assessment information is determined based on the vehicle's historical accident counts and historical claim amounts combined with the vehicle's high-frequency travel routes and high-frequency parking locations; that is, C0= C1+ C2; C0 is the total score of the vehicle risk assessment.
[0040] Specifically, in some embodiments, in S4, the step of generating an insurance renewal plan according to the vehicle risk assessment information includes: When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is greater than the preset underwriting threshold, the product corresponding to the insurance renewal plan is a first-category vehicle insurance product; When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is less than the preset underwriting threshold, the product corresponding to the insurance renewal plan is a second-category vehicle insurance product; When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is equal to the preset underwriting threshold, the product corresponding to the insurance renewal plan is a third-category vehicle insurance product; Among them, the details in the first category of vehicle insurance products are less than those in the second category of vehicle insurance products; the details in the second category of vehicle insurance products are less than those in the third category of vehicle insurance products; the preset underwriting threshold is 75 to 80 points.
[0041] In order to accurately find out the insurance product corresponding to the vehicle, so as to accurately and effectively push it, the total score of the vehicle risk assessment corresponding to the current vehicle risk assessment information is greater than the preset underwriting threshold for comparison and judgment. Among them, the possible types of vehicle insurance products corresponding to the first type of vehicle insurance products are the lower the transaction cost and the longer the underwriting type, which is not specifically limited in the embodiment of the present invention. At the same time, the classification of insurance product types includes classification of different transaction cost types and different underwriting time types, that is, the first type of vehicle insurance products are insurance products with lower transaction costs, the second type of vehicle insurance products are insurance products with lower transaction costs, and the third type of vehicle insurance products are insurance products with high transaction costs. At this time, the classification of high, lower, and low categories can be based on the specific cost figures of the vehicle insurance products, which is not limited in the embodiment of the present invention.
[0042] Specifically, in some embodiments, in S5, the step of pushing the insurance renewal plan to the operating terminal of the vehicle owner corresponding to the vehicle includes: Determine the message push channel; push channels include WeChat public account messages, SMS, APP message reminders, smart voice calls + SMS; The insurance renewal plan is pushed to the owner corresponding to the vehicle through the above-mentioned channel.
[0043] Specifically, in some embodiments, after S5, after the step of pushing the insurance renewal plan to the operating terminal of the owner corresponding to the vehicle, the method further includes: S6. Within a preset time (3 days), the owner of the vehicle makes an approval operation or agrees to the operation according to the insurance renewal plan, and feeds back the operation data to the data source terminal of the insurance renewal plan; The data source terminal updates the latest renewal list according to the approval operation, and pushes the latest renewal list and renewal operation procedure to the operation terminal of the vehicle owner corresponding to the vehicle to implement the renewal operation; The data source terminal directly pushes the renewal operation program to the operation terminal of the vehicle owner corresponding to the vehicle according to the consent operation, so as to realize the renewal operation; After the preset time has passed and within the renewal period, the same insurance renewal plan is pushed to the operating terminal of the vehicle owner corresponding to the vehicle at a preset frequency (once every 5 days) to realize the interval reminder function.
[0044] The present invention also provides a vehicle insurance online push system based on verifiability.
[0045] Specifically, Figure 2 As shown, the verifiable vehicle insurance online push system includes: The authority verification module 610 is used to confirm the vehicle whose insurance is about to expire according to the insurance policy; and push the verification information to the associated device of the vehicle; A data collection module 620, the data collection module 620 is used to obtain basic data information and travel data information of the vehicle according to the verification information; A data analysis module 640, the data analysis module 640 is used to generate vehicle risk assessment information according to the feedback information, and to generate an insurance renewal plan according to the vehicle risk assessment information; The data push module 630 is used to push the insurance renewal plan to the operating terminal of the owner corresponding to the vehicle.
[0046] In addition, an embodiment of the present invention further provides a medium (also referred to as a computer-readable storage medium), on which a pig weight monitoring program is stored. When the pig weight monitoring program is executed by a processor, the following operations are implemented: Identify the vehicle whose insurance is about to expire according to the insurance policy; and push verification information to the associated device of the vehicle; According to the verification information, basic data information and travel data information of the vehicle are obtained to generate feedback information; generating vehicle risk assessment information according to the feedback information; generating an insurance renewal plan based on the vehicle risk assessment information; The insurance renewal plan is pushed to the operating terminal of the vehicle owner corresponding to the vehicle.
[0047] Furthermore, the step of confirming the vehicle whose insurance is about to expire according to the insurance policy and pushing verification information to the associated device of the vehicle includes: Filter out vehicles whose car insurance is about to expire according to the time information on the car insurance policy; wherein the date of the car insurance expiration is 30 to 45 days before the expiration; Push verification information to all associated devices of the vehicle whose car insurance is about to expire within a preset interval.
[0048] Furthermore, the step of obtaining basic data information and travel data information of the vehicle according to the verification information to generate feedback information includes: Push the same verification information to the vehicle's onboard system and the communication device associated with the vehicle at the same time; When the confirmation information corresponding to the verification information is obtained, the query route to be collected is obtained to generate the travel data information; Obtaining vehicle information including: license plate number, frame number, engine number, vehicle age, brand model, new vehicle purchase price and issuance date, so as to generate basic data information of the vehicle; The basic data information of the vehicle and the travel data information are aggregated and packaged to generate feedback information.
[0049] Furthermore, the step of generating vehicle risk assessment information according to the feedback information includes: Obtaining the historical number of accidents and the historical claim amount of the vehicle according to the vehicle information in the feedback information; Acquire the high-frequency travel route and the high-frequency parking position of the vehicle according to the travel data information in the feedback information; The vehicle risk assessment information is determined based on the vehicle's historical number of accidents and historical claim amounts combined with the vehicle's high-frequency travel routes and high-frequency parking locations.
[0050] Furthermore, when calculating the underwriting risk assessment value, the product operation relationship between the vehicle standard insurance amount and the underwriting risk adjustment coefficient can be C1=(A / 10) / (1+B), where A is the vehicle standard insurance amount, B is the underwriting risk adjustment coefficient, and C1 is the underwriting risk assessment value; When calculating the route and environmental risk assessment values, the operational relationship between the vehicle's high-frequency travel routes and the vehicle's high-frequency parking locations can be C2=D+E; C2 is the route risk assessment value, D is the score corresponding to the vehicle's high-frequency travel routes; E is the score corresponding to the vehicle's high-frequency parking locations; And C0= C1+ C2; C0 is the total score of the vehicle risk assessment to generate vehicle risk assessment information.
[0051] Furthermore, the step of generating an insurance renewal plan according to the vehicle risk assessment information includes: When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is greater than the preset underwriting threshold, the product corresponding to the insurance renewal plan is a first-category vehicle insurance product; When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is less than the preset underwriting threshold, the product corresponding to the insurance renewal plan is a second-category vehicle insurance product; When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is equal to the preset underwriting threshold, the product corresponding to the insurance renewal plan is a third-category vehicle insurance product; Among them, the details in the first category of vehicle insurance products are less than those in the second category of vehicle insurance products; the details in the second category of vehicle insurance products are less than those in the third category of vehicle insurance products; the preset underwriting threshold is 75 to 80 points.
[0052] Furthermore, the step of pushing the insurance renewal plan to the operating terminal of the vehicle owner corresponding to the vehicle includes: Determine the message push channel; push channels include WeChat public account messages, SMS, APP message reminders, smart voice calls + SMS; The insurance renewal plan is pushed to the owner corresponding to the vehicle through the above-mentioned channel.
[0053] In addition, it should be understood that although the present specification is described according to implementation modes, not every implementation mode includes only one independent technical solution. This description of the specification is only for the sake of clarity. Those skilled in the art should regard the specification as a whole. The technical solutions in each embodiment can also be appropriately combined to form other implementation modes that can be understood by those skilled in the art.
[0054] According to the disclosure and teaching of the above description, those skilled in the art to which the present invention belongs can also change and modify the above embodiment. Therefore, the present invention is not limited to the above specific embodiment, and any obvious improvement, replacement or modification made by those skilled in the art on the basis of the present invention belongs to the protection scope of the present invention. In addition, although some specific terms are used in this specification, these terms are only for the convenience of description and do not constitute any limitation to the present invention.
Claims
1. Based on a verifiable vehicle insurance online push method, it is characterized by: include: S1. Confirm the vehicle whose insurance is about to expire according to the insurance policy; and push verification information to an associated device of the vehicle; S2. According to the verification information, obtain basic data information and travel data information of the vehicle to generate feedback information; S3, generating vehicle risk assessment information according to the feedback information; S4. generating an insurance renewal plan according to the vehicle risk assessment information; S5. Push the insurance renewal plan to the operating terminal of the vehicle owner corresponding to the vehicle.
2. The method for pushing vehicle insurance online based on verifiability according to claim 1, characterized in that: The vehicle whose insurance is about to expire according to the insurance policy; And the step of pushing verification information to the associated device of the vehicle includes: Filter out vehicles whose car insurance is about to expire according to the time information on the car insurance policy; wherein the date of the car insurance expiration is 30 to 45 days before the expiration; Push verification information to all associated devices of the vehicle whose car insurance is about to expire within a preset interval.
3. The method for online push of vehicle insurance based on verifiability according to claim 1, characterized in that: The step of obtaining basic data information and travel data information of the vehicle according to the verification information to generate feedback information includes: Push the same verification information to the vehicle's onboard system and the communication device associated with the vehicle at the same time; When the confirmation information corresponding to the verification information is obtained, the query route to be collected is obtained to generate the travel data information; Obtaining vehicle information including: license plate number, frame number, engine number, vehicle age, brand model, new vehicle purchase price and issuance date, so as to generate basic data information of the vehicle; The basic data information of the vehicle and the travel data information are aggregated and packaged to generate feedback information.
4. The method for online push of vehicle insurance based on verifiability according to claim 1, characterized in that: The step of generating vehicle risk assessment information according to the feedback information comprises: Obtaining the historical number of accidents and the historical claim amount of the vehicle according to the vehicle information in the feedback information; Acquire the high-frequency travel route and the high-frequency parking position of the vehicle according to the travel data information in the feedback information; The vehicle risk assessment information is determined based on the vehicle's historical number of accidents and historical claim amounts combined with the vehicle's high-frequency travel routes and high-frequency parking locations.
5. The method for online push of vehicle insurance based on verifiability according to claim 4, characterized in that: When calculating the underwriting risk assessment value, the product operation relationship between the vehicle standard insurance amount and the underwriting risk adjustment coefficient can be C1=(A / 10) / (1+B), where A is the vehicle standard insurance amount, B is the underwriting risk adjustment coefficient, and C1 is the underwriting risk assessment value; When calculating the route and environmental risk assessment values, the operational relationship between the vehicle's high-frequency travel routes and the vehicle's high-frequency parking locations can be C2=D+E; C2 is the route risk assessment value, D is the score corresponding to the vehicle's high-frequency travel routes; E is the score corresponding to the vehicle's high-frequency parking locations; And C0=C1+C2; C0 is the total score of the vehicle risk assessment to generate vehicle risk assessment information.
6. The method for online push of vehicle insurance based on verifiability according to claim 1, characterized in that: The step of generating an insurance renewal plan according to the vehicle risk assessment information comprises: When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is greater than the preset underwriting threshold, the product corresponding to the insurance renewal plan is a first-category vehicle insurance product; When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is less than the preset underwriting threshold, the product corresponding to the insurance renewal plan is a second-category vehicle insurance product; When the total score of the vehicle risk assessment corresponding to the vehicle risk assessment information is equal to the preset underwriting threshold, the product corresponding to the insurance renewal plan is a third-category vehicle insurance product; Among them, the details in the first category of vehicle insurance products are less than those in the second category of vehicle insurance products; the details in the second category of vehicle insurance products are less than those in the third category of vehicle insurance products; the preset underwriting threshold is 75 to 80 points.
7. The method for online push of vehicle insurance based on verifiability according to claim 1, characterized in that: The step of pushing the insurance renewal plan to the operating terminal of the vehicle owner corresponding to the vehicle includes: Determine the message push channel; push channels include WeChat public account messages, SMS, APP message reminders, smart voice calls + SMS; The insurance renewal plan is pushed to the owner corresponding to the vehicle through the above-mentioned channel.
8. Based on a verifiable vehicle insurance online push system, it is characterized by: Used to execute the method for pushing vehicle insurance online based on verifiable information according to any one of claims 1 to 7 above; wherein the system for pushing vehicle insurance online based on verifiable information comprises: An authority verification module, the authority verification module is used to confirm the vehicle whose insurance is about to expire according to the insurance policy; and push verification information to the associated device of the vehicle; A data acquisition module, the data acquisition module is used to obtain basic data information and travel data information of the vehicle according to the verification information; A data analysis module, the data analysis module is used to generate vehicle risk assessment information according to the feedback information, and generate an insurance renewal plan according to the vehicle risk assessment information; A data push module, the data push module is used to push the insurance renewal plan to the operating terminal of the owner corresponding to the vehicle.
9. Based on a verifiable vehicle insurance online push terminal, it is characterized by: include: A memory, a processor, and a verifiable vehicle insurance online push program stored in the memory and executable on the processor, wherein the verifiable vehicle insurance online push program, when executed by the processor, implements the steps of the verifiable vehicle insurance online push method as described in any one of claims 1 to 7.
10. A medium, characterized in that: The medium stores a program for pushing vehicle insurance online based on verifiable insurance, and when the program for pushing vehicle insurance online based on verifiable insurance is executed by a processor, the steps of the method for pushing vehicle insurance online based on verifiable insurance are implemented as described in any one of claims 1 to 7.