Vehicle insurance online insurance method, system, device and medium

Abstract

The invention provides a vehicle insurance online insurance method, system and device and a medium, and the method comprises the steps: obtaining the information of an insured vehicle of a current vehicle in response to an insurance request of a client; key information in the insured vehicle information is extracted, and a corresponding insurance system is obtained through matching according to the key information; sending the insured vehicle information to the insurance system, and obtaining vehicle insurance quotation information; the vehicle insurance quotation information is sent to the client, and after purchase confirmation information of the client is received, an information auditing request is sent to the insurance system; receiving a payment link fed back by the insurance system according to the information auditing request, and sending the payment link to the client; and receiving a payment result fed back by the insurance system and insurance policy data of the current vehicle, and sending an insurance success notification to the client. The insurance buying process of the vehicle is simplified, the quotation efficiency is improved, and the insurance state of the vehicle can be monitored in real time.

Description

Technical Field

[0001] The present invention relates to the field of vehicle service technology, and in particular to an online vehicle insurance purchasing method, system, equipment and medium. Background Art

[0002] The current market size of the logistics industry exceeds 10 trillion yuan, and a number of network management platforms serving logistics vehicles and practitioners have emerged in various segments. Insurance becomes a key issue when it comes to large-value cargo transportation and traffic safety. However, operating truck drivers often lack understanding of operating insurance, and the existing insurance methods are usually purchased through car sales points, insurance outlets or telephone sales. Freight vehicles usually have complex insurance purchase processes and low quotation efficiency. Therefore, there is room for improvement. Summary of the invention

[0003] In view of the above-mentioned shortcomings of the prior art, the purpose of the present invention is to provide an online auto insurance method, system, device and medium for solving the technical problems in the prior art of complex freight vehicle insurance purchase process and low efficiency of auto insurance quotation.

[0004] To achieve the above-mentioned and other related purposes, the present invention provides an online auto insurance purchasing method, comprising:

[0005] Responding to the insurance request from the client, obtaining the insured vehicle information of the current vehicle;

[0006] Extracting key information from the insured vehicle information, and matching the corresponding insurance system according to the key information;

[0007] Sending the insured vehicle information to the insurance system to obtain vehicle insurance quotation information;

[0008] Sending the auto insurance quotation information to the client, and after receiving the purchase confirmation information from the client, sending an information review request to the insurance system;

[0009] receiving a payment link fed back by the insurance system according to the information review request, and sending the payment link to the client;

[0010] Receive the payment result and the current vehicle policy data fed back by the insurance system, and send a successful insurance notification to the client.

[0011] In one embodiment of the present invention, the step of obtaining the insured vehicle information of the current vehicle in response to the insurance request of the client includes:

[0012] Obtaining the insurance request from the client, and obtaining the pre-stored ID picture of the vehicle owner and the ID picture of the vehicle according to the unique identifier of the insurance request;

[0013] The insured vehicle information is generated based on the vehicle owner's ID picture and the vehicle ID picture.

[0014] In one embodiment of the present invention, the step of obtaining an insurance request from a client and obtaining a pre-stored vehicle owner ID picture and a vehicle ID picture according to a unique identifier of the insurance request includes:

[0015] In response to the insurance request of the client, sending an information acquisition authorization request to the client;

[0016] Receive the authorization from the client, and search for the corresponding vehicle owner ID picture and vehicle ID picture from a preset database according to the unique identifier of the insurance request.

[0017] In one embodiment of the present invention, the step of generating the insured vehicle information based on the vehicle owner's ID picture and the vehicle ID picture includes:

[0018] Performing identification processing on the vehicle owner's ID picture and the vehicle ID picture to generate vehicle identification information;

[0019] Determine whether the vehicle identification information is complete, and if the vehicle identification information is incomplete, send an information supplementation notification to the client, and make another determination after the client's supplementary information;

[0020] When the vehicle identification information is complete, the vehicle identification information is saved as the insured vehicle information.

[0021] In one embodiment of the present invention, the step of extracting key information from the insured vehicle information and matching the corresponding insurance system according to the key information includes:

[0022] Extracting the license plate information of the current vehicle from the insured vehicle information, parsing the license plate information, and generating the registration location information of the current vehicle;

[0023] According to the registration location information and preset rules, the insurance system corresponding to the current vehicle is matched.

[0024] In one embodiment of the present invention, the step of sending the insured vehicle information to the insurance system to obtain the vehicle insurance quotation information includes:

[0025] Sending the initial vehicle model information extracted from the insured vehicle information to the insurance system, and receiving the vehicle model retrieval information fed back by the insurance system;

[0026] Sending the vehicle model retrieval information to the client for confirmation, and receiving the insurance plan information sent by the client;

[0027] The insured vehicle information and the insurance plan information are sent to the insurance system, and the car insurance quotation information fed back by the insurance system is received.

[0028] In one embodiment of the present invention, the step of receiving the payment result and the current vehicle policy data fed back by the insurance system and sending a successful insurance notification to the client includes:

[0029] Receiving the payment result fed back by the insurance system and the policy data of the current vehicle, extracting the information of the policy number, insurance type, effective date and insurance period from the policy data, and saving it as the policy information of the current vehicle;

[0030] Generate a successful insurance notification based on the policy information, and send the successful insurance notification to the client.

[0031] The present invention also provides an online automobile insurance purchasing system, comprising:

[0032] The information module is used to respond to the insurance request of the client and obtain the insured vehicle information of the current vehicle;

[0033] A matching module, used to extract key information from the insured vehicle information and match the corresponding insurance system according to the key information;

[0034] A quotation module, used to send the insured vehicle information to the insurance system to obtain vehicle insurance quotation information;

[0035] An underwriting module, used to send the auto insurance quotation information to the client, and after receiving the purchase confirmation information from the client, send an information review request to the insurance system;

[0036] A payment module, used for receiving the payment link fed back by the insurance system according to the information review request, and sending the payment link to the client;

[0037] The notification module is used to receive the payment result and the current vehicle policy data fed back by the insurance system, and send a successful insurance notification to the client.

[0038] The present invention also provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and running on the processor, wherein the processor implements the steps of the online vehicle insurance method as described in any one of the above items when executing the computer program.

[0039] The present invention also provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of online car insurance as described in any one of the above items are implemented.

[0040] As described above, the online auto insurance purchasing method, system, device and medium of the present invention have the following beneficial effects: the present invention simplifies the insurance purchasing process of freight vehicles for freight scenarios, improves quotation efficiency, and ensures that the management platform can monitor the driver's insurance status in real time. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] Figure 1 A schematic diagram of a process flow of an online car insurance purchasing method provided by an embodiment of the present invention;

[0042] Figure 2 Shown is a structural block diagram of an online car insurance purchasing system provided by an embodiment of the present invention;

[0043] Figure 3 Shown is a structural schematic diagram of an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0044] The following describes the embodiments of the present invention by specific examples, and those skilled in the art can easily understand other advantages and effects of the present invention from the contents disclosed in this specification. The present invention can also be implemented or applied through other different specific embodiments, and the details in this specification can also be modified or changed in various ways based on different viewpoints and applications without departing from the spirit of the present invention. It should be noted that the following embodiments and features in the embodiments can be combined with each other without conflict.

[0045] It should be noted that the illustrations provided in the following embodiments are only schematic illustrations of the basic concept of the present invention, and thus the drawings only show components related to the present invention rather than being drawn according to the number, shape and size of components in actual implementation. In actual implementation, the type, quantity and proportion of each component may be changed arbitrarily, and the component layout may also be more complicated.

[0046] In the following description, numerous details are discussed to provide a more thorough explanation of the embodiments of the present invention. However, it is obvious to those skilled in the art that the embodiments of the present invention can be implemented without these specific details. In other embodiments, well-known structures and devices are shown in the form of block diagrams rather than in detail to avoid making the embodiments of the present invention difficult to understand.

[0047] First of all, it should be noted that when individual car owners insure their operating vehicles (such as trucks, taxis, etc.), they often encounter situations where insurance companies refuse to cover them. The main reason is the high-risk nature of operating vehicles, which causes insurance companies to worry about higher claims costs. This makes it difficult for many operating car owners to obtain the necessary insurance coverage, increasing their operational risks. At the same time, the traditional offline insurance method relies on telephone communication, which has cumbersome processes and slow progress, and customers cannot quickly obtain accurate quotation information. This inefficient communication and processing method not only prolongs the insurance cycle, but also may lead to the loss of potential customers, and also affects the speed at which car owners respond to the market. In addition, the freight management platform lacks effective management and monitoring of the drivers who join, especially in terms of auto insurance. If the driver does not have proper insurance, the platform may need to bear the responsibility for compensation and mediation in the event of an accident. This situation increases the risk exposure of the platform and may lead to trust issues between the platform and the driver, and is also not conducive to the healthy development of the industry.

[0048] The present invention provides an online auto insurance purchasing method, system, device and medium, which relates to the field of vehicle service technology and can be used to solve the technical problems of the complicated insurance purchasing process for freight vehicles and the low efficiency of auto insurance quotation in the prior art. Aiming at the freight scene, the present invention simplifies the insurance purchasing process for freight vehicles, improves the quotation efficiency, and ensures that the management platform can monitor the insurance status of the driver in real time. The present invention helps to improve the insurance coverage rate and enhance the safety management and responsibility sharing mechanism of the management platform. The following is a detailed description through specific embodiments.

[0049] See also Figure 1 In one embodiment of the present invention, a method for online car insurance provided by the present invention may include the following steps:

[0050] Step S100, in response to the insurance request from the client, obtaining the insured vehicle information of the current vehicle;

[0051] Step S200, extracting key information from the insured vehicle information, and matching the corresponding insurance system according to the key information;

[0052] Step S300: Send the insured vehicle information to the insurance system to obtain the car insurance quotation information;

[0053] Step S400: Send the car insurance quotation information to the client, and after receiving the purchase confirmation information from the client, send an information review request to the insurance system;

[0054] Step S500: receiving the payment link fed back by the insurance system according to the information review request, and sending the payment link to the client;

[0055] Step S600: Receive the payment result and the current vehicle policy data fed back by the insurance system, and send a successful insurance notification to the client.

[0056] In one embodiment of the present invention, when executing step S100, that is, in response to the insurance request of the client, the insured vehicle information of the current vehicle is obtained. Specifically, the following steps may be included:

[0057] Step S110: obtaining an insurance request from the client, and obtaining pre-stored vehicle owner ID pictures and vehicle ID pictures according to a unique identifier of the insurance request;

[0058] Step S120: Generate insured vehicle information based on the vehicle owner's ID picture and the vehicle ID picture.

[0059] In one embodiment of the present invention, when executing step S110, the insurance request of the client is obtained, and the pre-stored vehicle owner's ID picture and vehicle ID picture are obtained according to the unique identifier of the insurance request. Specifically, the following steps may be included:

[0060] Step S111: In response to the insurance request from the client, send an information acquisition authorization request to the client;

[0061] Step S112: receiving the authorization from the client, and searching for the corresponding vehicle owner's ID picture and vehicle ID picture from a preset database according to the unique identifier of the insurance request.

[0062] In one embodiment of the present invention, when executing steps S110 to S120, specifically, when the user submits an insurance request for the current vehicle through a client (such as a mobile application, HTML page or other digital interface), the system first receives the request. The system will automatically send an information acquisition authorization request to the client. This request can be presented to the user in the form of a pop-up notification, text message or email, which is used to clearly inform the user what specific information (such as the owner's ID card photo, driver's license photo, vehicle driving license photo, etc.) will be collected, as well as the purpose of this information. The user needs to confirm or reject the authorization request within a certain period of time. If the user agrees, proceed to the next step. If the user refuses, the process is terminated and the client sends corresponding feedback. In this embodiment, once the user's authorization is obtained, the system will connect to the management platform to which the current vehicle belongs through a pre-selected secure API interface, and then send a search request to the preset database (such as the management platform to which the current vehicle belongs) according to the unique identifier of the insurance request, requesting the owner's ID picture (such as ID card, driver's license, etc.) and vehicle ID picture (such as driving license) stored in the database. After the database verifies the validity and authority of the request, it feedbacks the required ID picture.

[0063] In one embodiment of the present invention, when executing step S120, the insured vehicle information is generated based on the vehicle owner's ID picture and the vehicle ID picture. Specifically, the following steps may be included:

[0064] Step S121, performing identification processing on the vehicle owner's ID picture and the vehicle ID picture to generate vehicle identification information;

[0065] Step S122, judging whether the vehicle identification information is complete, and when the vehicle identification information is incomplete, sending an information supplement notification to the client, and judging again after the client's supplementary information;

[0066] Step S123: When the vehicle identification information is complete, the vehicle identification information is saved as the insured vehicle information.

[0067] In one embodiment of the present invention, when executing steps S121 to S123, specifically, after receiving the certificate image, the image will first be preliminarily verified to ensure that the image is clear, complete and meets the requirements. In this embodiment, if the certificate image fed back by the management platform has problems such as clarity and integrity, or the management platform cannot provide the corresponding certificate image, the system can send a certificate image upload notification to the client, and after receiving the notification, the user uploads a complete and clear owner's certificate image and vehicle certificate image through the client. Then, OCR (Optical Character Recognition) technology is used to parse the text content in the certificate image, for example, extract the name, ID number and other information from the owner's certificate image, and extract the license plate number, vehicle type, owner information, registration authority and other key fields from the vehicle certificate image, so as to generate the corresponding vehicle identification information. Finally, it is determined whether the vehicle identification information is complete, and the next action is decided according to the situation. Check whether all necessary vehicle identification information items are complete, such as whether there are missing key fields (such as license plate number, vehicle type, etc.). If it is found that there is incomplete information, an information supplement notification is sent to the client, requiring the customer to provide accurate data. If all the information is complete, the above vehicle identification information will be saved as the insured vehicle information for use in subsequent risk assessment, quotation generation and other business links.

[0068] In this embodiment, the vehicle identification number (VIN), license plate number or other unique identifier extracted from the vehicle certificate image can also be used as a query condition, and connected to an official or third-party enterprise information query platform through an API interface, such as the National Enterprise Credit Information Publicity System, the vehicle management office database, etc., to obtain and record detailed information of the enterprise to which the current vehicle belongs, including but not limited to the enterprise name, unified social credit code, registered address, legal representative, etc. If the current vehicle is owned by an individual, its enterprise information is marked as a non-group vehicle.

[0069] In one embodiment of the present invention, when executing step S200, key information in the insured vehicle information is extracted, and the corresponding insurance system is matched according to the key information. Specifically, the following steps may be included:

[0070] Step S210: extracting the license plate information of the current vehicle from the insured vehicle information, parsing the license plate information, and generating the registration location information of the current vehicle;

[0071] Step S220: Match the insurance system corresponding to the current vehicle according to the registration location information and preset rules.

[0072] In one embodiment of the present invention, when step S210 is executed, the license plate information of the current vehicle is extracted from the insured vehicle information, and the license plate information is parsed to generate the registration location information of the current vehicle. Specifically, the license plate number of the current vehicle is first obtained from the insured vehicle information. Then, the province or municipality where the vehicle is registered is determined based on the first Chinese character of the license plate number, and the subsequent characters are further parsed as needed to determine a more specific registration location (e.g., a city).

[0073] In one embodiment of the present invention, when step S220 is executed, the insurance system corresponding to the current vehicle is matched according to the registration location information and the preset rules. Specifically, the preset rules (such as the geographic location database, the insurance company service scope, etc.) are used in combination with the vehicle registration location information to screen out insurance companies that provide services in the area. Based on the screening results, the insurance system that best suits the current vehicle is matched, and the insurance system may include one or more insurance companies.

[0074] Furthermore, the preset rules may also take into account factors such as policyholder preferences (such as insurance company reputation, customer service quality, etc.), specific needs (such as insurance type, vehicle type, whether it is a group car, etc.), laws and regulations, etc., thereby allowing users to compare the costs, coverage and service terms of different insurance plans.

[0075] In one embodiment of the present invention, when executing step S300, the insured vehicle information is sent to the insurance system to obtain the car insurance quotation information. Specifically, the following steps may be included:

[0076] Step S310: sending the initial vehicle model information extracted from the insured vehicle information to the insurance system, and receiving the vehicle model retrieval information fed back by the insurance system;

[0077] Step S320: Send the vehicle model search information to the client for confirmation, and receive the insurance plan information sent by the client;

[0078] Step S330: Send the insured vehicle information and insurance plan information to the insurance system, and receive the car insurance quotation information fed back by the insurance system.

[0079] In one embodiment of the present invention, when executing steps S321 to S323, specifically, first extract the key vehicle identification code from the insured vehicle information. The vehicle identification code can usually be obtained through the vehicle driving license or other official documents. The vehicle identification code obtained above is recorded as the initial vehicle model information, and sent to the insurance system matched in step S310 as a query condition. Wait for the vehicle model retrieval information of the response of the insurance system. The vehicle model retrieval information contains information such as the vehicle brand, model, and year corresponding to the vehicle identification code. Since there are many types of operating trucks and non-standard vehicles, querying the insurance system's model library interface to accurately match the vehicle model can effectively improve the insurance success rate and ensure the accuracy of subsequent quotations.

[0080] Then, the vehicle model retrieval information is sent to the client for the user to review and confirm. When the user confirms that the vehicle model retrieval information is accurate, the insurance plan information related to the current vehicle can be further collected through the client. In this embodiment, the insurance plan information includes information such as the selected insurance company, insurance type, insurance amount, policyholder, and insured. Finally, the confirmed insured vehicle information is combined with the insurance plan information selected by the user to form a complete insurance request material and send it to the insurance system. Wait for the processing result of the insurance system, that is, the car insurance quotation information. The car insurance quotation information may include the cost, coverage, and service terms of each type of insurance for the user to choose.

[0081] In one embodiment of the present invention, when step S400 is executed, the auto insurance quote information is sent to the client, and after receiving the confirmation purchase information from the client, an information review request is sent to the insurance system. Specifically, the auto insurance quote information received from the insurance system is sent to the client for the user to review the quote information and choose whether to continue the purchase. If the user agrees to the quote, they are allowed to submit information confirming the purchase. Once the user's confirmation purchase information is received, an information review request is immediately initiated to the insurance system. This step is intended to verify whether all the information provided (such as vehicle details, owner identity, etc.) is accurate.

[0082] In this embodiment, after the insurance system feedback information review fails, an information supplement request is sent to the client to modify or supplement the insured vehicle information and insurance plan information, and the modified insured vehicle information and insurance plan information are sent to the insurance system for information review again until the information review passes or reaches the preset number of supplements. Specifically, once the insurance system feedbacks the result that the information review fails, the specific reasons need to be analyzed (such as incomplete information, inconsistent data, etc.). Send an information supplement request to the client, clearly indicate the specific content that needs to be modified or supplemented, and provide detailed instructions. Wait for the user to submit the modified insured vehicle information and insurance plan information, and send the modified information to the insurance system again for information review. Repeat the above process until the information review passes or reaches the preset maximum number of supplements. If the maximum number of supplements is reached and the review is still not passed, the current insurance process needs to be terminated, and other solutions or suggestions are provided to the user. For example, the user information is sent to the manual customer service, and a dedicated person follows up with users who meet the insurance requirements to guide them to take out insurance.

[0083] In one embodiment of the present invention, when step S500 is executed, the auto insurance quotation information is sent to the client, and after receiving the purchase confirmation information from the client, an information review request is sent to the insurance system. Specifically, monitor the review status updates from the insurance system. Ensure that the review process is transparent and inform the user of the progress in a timely manner. Once the review is passed, the insurance system will generate a payment link, which should point to a secure payment gateway and support multiple payment methods (such as credit cards, bank transfers, third-party payment platforms, etc.). Receive the payment link sent by the insurance system and forward it to the client. At the same time, a concise operating guide can be sent to the client to guide the user to complete the payment process. Ensure that the payment page loads quickly and is easy to operate.

[0084] In one embodiment of the present invention, when step S600 is executed, the payment result and the policy data of the current vehicle fed back by the insurance system are received, and a notification of successful insurance is sent to the client. Specifically, the following steps may be included:

[0085] Step S610: receiving the payment result fed back by the insurance system and the policy data of the current vehicle, extracting the policy number, insurance type, effective date and insurance period from the policy data, and saving them as the policy information of the current vehicle;

[0086] Step S620: Generate a successful insurance notification based on the policy information, and send the successful insurance notification to the client.

[0087] In one embodiment of the present invention, when executing steps S610 to S620, specifically, the payment results are monitored in real time to ensure that the payment is completed smoothly. If the payment fails, provide immediate feedback and assist in solving the problem. Once the payment is successful, receive the electronic policy document or related information sent by the insurance system. Check the policy content to ensure its correctness and completeness. Extract the policy number, insurance type, effective date and insurance period from the policy data, and save it as the policy information of the current vehicle, and properly save the policy information in the system database for subsequent query and management. At the same time, print or store paper copies as needed. Finally, generate a successful insurance notification based on the policy information, and send a formal notification of successful insurance to the client by email, SMS or in-app message. The notification should include important information such as the policy number, effective date, insurance period, and any necessary additional instructions or reminders.

[0088] See also Figure 2 The present invention also provides an online auto insurance system, which corresponds to the insurance method in the above embodiment. The insurance system may include an information module 11, a matching module 12, a quotation module 13, an underwriting module 14, a payment module 15 and a notification module 16. The functional modules are described in detail as follows:

[0089] The information module 11 can be used to respond to the insurance request of the client and obtain the insured vehicle information of the current vehicle. Further, the information module 11 can be specifically used to obtain the insurance request of the client, and obtain the pre-stored owner's ID picture and vehicle ID picture according to the unique identifier of the insurance request; based on the owner's ID picture and vehicle ID picture, generate the insured vehicle information.

[0090] The matching module 12 can be used to extract key information from the insured vehicle information, and match the corresponding insurance system based on the key information. Further, the matching module 12 can be specifically used to extract the license plate information of the current vehicle from the insured vehicle information, parse the license plate information, generate the registration place information of the current vehicle; and match the insurance system corresponding to the current vehicle based on the registration place information and preset rules.

[0091] The quotation module 13 can be used to send the insured vehicle information to the insurance system to obtain the auto insurance quotation information. Further, the quotation module 13 can be specifically used to send the initial vehicle model information extracted from the insured vehicle information to the insurance system, and receive the vehicle model retrieval information fed back by the insurance system; send the vehicle model retrieval information to the client for confirmation, and receive the insurance plan information sent by the client; send the insured vehicle information and the insurance plan information to the insurance system, and receive the auto insurance quotation information fed back by the insurance system.

[0092] The underwriting module 14 can be used to send the auto insurance quote information to the client, and after receiving the purchase confirmation information from the client, send an information review request to the insurance system. Further, the underwriting module 14 can be specifically used to send the auto insurance quote information received from the insurance system to the client, so that the user can review the quote information and choose whether to continue the purchase. If the user agrees to the quote, they are allowed to submit information confirming the purchase. Once the user's purchase confirmation information is received, an information review request is immediately initiated to the insurance system.

[0093] The payment module 15 can be used to receive the payment link fed back by the insurance system according to the information review request, and send the payment link to the client. Further, the payment module 15 can be specifically used to monitor the review status update from the insurance system. Once the review is passed, the insurance system will generate a payment link, which should point to a secure payment gateway and support multiple payment methods. The payment link sent by the insurance system is received and forwarded to the client. At the same time, a concise operation guide can be sent to the client to guide the user to complete the payment process.

[0094] The notification module 16 can be used to receive the payment result and the policy data of the current vehicle fed back by the insurance system, and send a successful insurance notification to the client. Further, the notification module 16 can be specifically used to receive the payment result and the policy data of the current vehicle fed back by the insurance system, extract the policy number, insurance type, effective date and insurance period from the policy data, and save it as the policy information of the current vehicle; generate a successful insurance notification based on the policy information, and send the successful insurance notification to the client.

[0095] For the specific definition of the online auto insurance system, please refer to the definition of the insurance method above, which will not be repeated here. Each module in the above control system can be implemented in whole or in part by software, hardware and their combination. The above modules can be embedded in or independent of the processor in the computer device in hardware form, or stored in the memory of the computer device in software form, so that the processor can call and execute the operations corresponding to the above modules.

[0096] An embodiment of the present invention also provides an electronic device, comprising: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by one or more processors, the electronic device implements the online car insurance purchase method provided in the above-mentioned embodiments.

[0097] See also Figure 3 The electronic device 2 may include a memory 22, a processor 23 and a bus, and may also include a computer program stored in the memory 22 and executable on the processor 23, such as an online car insurance application program.

[0098] The memory 22 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, mobile hard disk, multimedia card, card-type memory (for example: SD or DX memory, etc.), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 22 can be an internal storage unit of the electronic device 2, such as a mobile hard disk of the electronic device 2. In other embodiments, the memory 22 can also be an external storage device of the electronic device 2, such as a plug-in mobile hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. equipped on the electronic device 2. Further, the memory 22 can also include both an internal storage unit of the electronic device 2 and an external storage device. The memory 22 can not only be used to store application software and various types of data installed in the electronic device 2, such as the code for online car insurance, etc., but also can be used to temporarily store data that has been output or is to be output.

[0099] In some embodiments, the processor 23 may be composed of an integrated circuit, for example, a single packaged integrated circuit, or a plurality of packaged integrated circuits with the same or different functions, including one or more central processing units (CPUs), microprocessors, digital processing chips, graphics processors, and combinations of various control chips. The processor 23 is the control core (Control Unit) of the electronic device 2, and uses various interfaces and lines to connect the various components of the entire electronic device 2, and executes or executes programs or modules stored in the memory 22 (such as online car insurance application programs, etc.), and calls data stored in the memory 22 to execute various functions of the electronic device 2 and process data.

[0100] The processor 23 executes the operating system and various installed application programs of the electronic device 2. The processor 23 executes the application programs to implement the steps in the above-mentioned online auto insurance purchase method.

[0101] Exemplarily, the computer program may be divided into one or more modules, one or more modules are stored in the memory 22, and executed by the processor 23 to complete the present request. One or more modules may be a series of computer program instruction segments capable of completing specific functions, and the instruction segments are used to describe the execution process of the computer program in the electronic device 2. For example, the computer program may be divided into an acquisition module 11, an identification module 12, a quotation module 13, an underwriting module 14, a payment module 15, and a notification module 16.

[0102] The above-mentioned integrated unit implemented in the form of a software function module can be stored in a computer-readable storage medium, which can be non-volatile or volatile. The above-mentioned software function module is stored in a storage medium, including several instructions for enabling a computer device (which can be a personal computer, a computer device, or a network device, etc.) or a processor to execute part of the functions of the online auto insurance purchase method of each embodiment of the present request.

[0103] In summary, the present invention discloses an online auto insurance method, system, device and medium, which relate to the field of vehicle service technology. The present invention improves the efficiency of filling in insured vehicle information and reduces the workload of information collection for users and staff by integrating data from multiple platforms. The present invention can effectively reduce the difficulty for individual drivers to purchase commercial vehicle insurance and improve the management platform's control over transportation accidents by assisting users in completing the recording of online quotations. Therefore, the present invention, aimed at freight scenarios, simplifies the insurance process for freight vehicles, improves quotation efficiency, and ensures that the management platform can monitor the driver's insurance status in real time. The present invention helps to improve insurance coverage and enhance the safety management and responsibility sharing mechanism of the management platform. The following is a detailed description through specific embodiments. The present invention effectively overcomes the various shortcomings of the prior art and has a high industrial utilization value.

[0104] The above embodiments are merely illustrative of the principles and effects of the present invention, and are not intended to limit the present invention. Anyone familiar with the art may modify or alter the above embodiments without departing from the spirit and scope of the present invention. Therefore, all equivalent modifications or alterations made by a person of ordinary skill in the art without departing from the spirit and technical concept disclosed by the present invention shall still be covered by the claims of the present invention.

Claims

1. A method for online car insurance, characterized in that: include: Responding to the insurance request from the client, obtaining the insured vehicle information of the current vehicle; Extracting key information from the insured vehicle information, and matching the corresponding insurance system according to the key information; Sending the insured vehicle information to the insurance system to obtain vehicle insurance quotation information; Sending the auto insurance quotation information to the client, and after receiving the purchase confirmation information from the client, sending an information review request to the insurance system; receiving a payment link fed back by the insurance system according to the information review request, and sending the payment link to the client; Receive the payment result and the current vehicle policy data fed back by the insurance system, and send a successful insurance notification to the client.

2. The online auto insurance purchasing method according to claim 1, characterized in that: The step of obtaining the insured vehicle information of the current vehicle in response to the insurance request of the client includes: Obtaining the insurance request from the client, and obtaining the pre-stored ID picture of the vehicle owner and the ID picture of the vehicle according to the unique identifier of the insurance request; The insured vehicle information is generated based on the vehicle owner's ID picture and the vehicle ID picture.

3. The online auto insurance purchasing method according to claim 2, characterized in that: The step of obtaining the insurance request from the client and obtaining the pre-stored vehicle owner's ID picture and vehicle ID picture according to the unique identifier of the insurance request includes: In response to the insurance request of the client, sending an information acquisition authorization request to the client; The authorization of the client is received, and according to the unique identifier of the insurance request, the corresponding owner's ID picture and vehicle ID picture are searched from a preset database.

4. The online auto insurance purchasing method according to claim 2, characterized in that: The step of generating the insured vehicle information based on the vehicle owner's ID picture and the vehicle ID picture comprises: Performing identification processing on the vehicle owner's ID picture and the vehicle ID picture to generate vehicle identification information; Determine whether the vehicle identification information is complete, and if the vehicle identification information is incomplete, send an information supplementation notification to the client, and make another determination after the client's supplementary information; When the vehicle identification information is complete, the vehicle identification information is saved as the insured vehicle information.

5. The online auto insurance purchasing method according to claim 1, characterized in that: The step of extracting key information from the insured vehicle information and matching the corresponding insurance system according to the key information includes: Extracting the license plate information of the current vehicle from the insured vehicle information, parsing the license plate information, and generating the registration location information of the current vehicle; According to the registration location information and preset rules, the insurance system corresponding to the current vehicle is matched.

6. The online auto insurance purchasing method according to claim 1, characterized in that: The step of sending the insured vehicle information to the insurance system to obtain the vehicle insurance quotation information comprises: Sending the initial vehicle model information extracted from the insured vehicle information to the insurance system, and receiving the vehicle model retrieval information fed back by the insurance system; Sending the vehicle model retrieval information to the client for confirmation, and receiving the insurance plan information sent by the client; The insured vehicle information and the insurance plan information are sent to the insurance system, and the car insurance quotation information fed back by the insurance system is received.

7. The online auto insurance purchasing method according to claim 1, characterized in that: The step of receiving the payment result and the current vehicle policy data fed back by the insurance system and sending a successful insurance notification to the client comprises: Receiving the payment result fed back by the insurance system and the policy data of the current vehicle, extracting the information of the policy number, insurance type, effective date and insurance period from the policy data, and saving it as the policy information of the current vehicle; Generate a successful insurance notification based on the policy information, and send the successful insurance notification to the client.

8. An online car insurance system, characterized in that: include: The information module is used to respond to the insurance request of the client and obtain the insured vehicle information of the current vehicle; A matching module, used to extract key information from the insured vehicle information and match the corresponding insurance system according to the key information; A quotation module, used to send the insured vehicle information to the insurance system to obtain vehicle insurance quotation information; An underwriting module, used to send the auto insurance quotation information to the client, and after receiving the purchase confirmation information from the client, send an information review request to the insurance system; A payment module, used for receiving the payment link fed back by the insurance system according to the information review request, and sending the payment link to the client; The notification module is used to receive the payment result and the current vehicle policy data fed back by the insurance system, and send a successful insurance notification to the client.

9. An electronic device, characterized in that: The electronic device comprises: one or more processors; A storage device for storing one or more programs, when the one or more programs are executed by the one or more processors, enables the electronic device to implement the online car insurance method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: A computer program is stored thereon, and when the computer program is executed by a processor of a computer, the computer is enabled to execute the online vehicle insurance method as described in any one of claims 1 to 7.

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