CN103268675A - Self-help vehicle-insurance selling device and working method thereof - Google Patents

Self-help vehicle-insurance selling device and working method thereof Download PDF

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Publication number
CN103268675A
CN103268675A CN2013101648055A CN201310164805A CN103268675A CN 103268675 A CN103268675 A CN 103268675A CN 2013101648055 A CN2013101648055 A CN 2013101648055A CN 201310164805 A CN201310164805 A CN 201310164805A CN 103268675 A CN103268675 A CN 103268675A
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Prior art keywords
information
vehicle
insurance
self
insuring
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CN2013101648055A
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CN103268675B (en
Inventor
徐孝民
张政
张晏
王彦
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Ancheng Property & Casualty Insurance Co Ltd
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Ancheng Property & Casualty Insurance Co Ltd
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Priority to CN201310164805.5A priority Critical patent/CN103268675B/en
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Abstract

The invention discloses a self-help vehicle-insurance selling device and a working method thereof. The self-help vehicle-insurance selling device is characterized in that the self-help vehicle-insurance selling device comprises a central processing unit, an identification card information collector, a display, a network interface and an image collector. The identification card information collector, the display, the network interface and the image collector are respectively connected with the central processing unit. The network interface is connected with a VIN (vehicle identification number) information system through a network. The working method of the self-help vehicle-insurance selling device includes acquiring identification information of a client and then submitting the information to a server for judgment; if the client is a new client, completing analysis and judgment after collecting an identification card image and insured vehicle information, finishing the step if a vehicle cannot be insured, and entering an insuring payment step to complete vehicle insurance selling if the vehicle can be insured; and if the client is a regular client who wants to renew insurance for an old car, directly entering the insuring payment step to complete the vehicle insurance selling. The self-help vehicle-insurance selling device is simple in structure, convenience and rapidness in self-help vehicle-insurance purchase can be realized, and purchase channels for vehicle insurance are expanded.

Description

Self-service vehicle insurance sale device and method of work thereof
Technical field
The present invention relates to a kind of self-help selling device, be specifically related to a kind of self-service vehicle insurance sale device and method of work thereof.
Background technology
Along with the raising of social life level, people's insurance awareness is also strengthened gradually, and is also just more and more to the demand of insurance.Along with science and technology development, self-service insurance sales device has become reality, people can buy insurance very easily, as: the patent No. is 201220124120.9,201210435323.4 patent, discloses the device of the personal accidental death and injury insurance of can self-service purchase riding, go by ship, go by air etc.But for vehicle insurance, because the identity information that needs to gather the vehicle configuration information of insuring, uses character, the purchase time limit and insurer, the image data amount is very big, and requires information accurately necessary; Also because regulator is strict especially to the supervision of vehicle insurance, program is very various, sells so the marketing method of present vehicle insurance is mainly modes such as business hall sales counter, phone, internet, is difficult to adopt self-auxiliary device to sell.
Summary of the invention
For solving above technical matters, it is a kind of simple in structure that the object of the invention is to provide, self-service vehicle insurance sale device and the method for work thereof of the convenient and swift purchase vehicle insurance of energy.Concrete technical scheme is as follows:
A kind of self-service vehicle insurance sale device, its key is: be provided with central processing unit (1), ID (identity number) card information collector (3), display (4), network interface (5) and image acquisition device (8), described ID (identity number) card information collector (3), display (4), network interface (5) and image acquisition device (8) link to each other with central processing unit (1) respectively, and described network interface (5) is by network connection VIN sign indicating number infosystem.Described central processing unit (1) adopts industrial computer or single-chip microcomputer, and central processing unit is provided with algorithm device in (1), and network interface (5) connects VIN sign indicating number infosystem and server by public network, and display (4) adopts touch-screen display.
To better implement the present invention, may further be:
Described central processing unit (1) also is connected with keyboard (6), can finish relevant items such as affirmation, selection, trading password input by keyboard (6).
Described central processing unit (1) also is connected with bank card reader (7), can finish real-time disbursement insurance fund by bank card reader (7).
Described central processing unit (1) also is connected with printer (2), can print then and there to insure by printer (2) and confirm L. A. or declaration form, finishes whole vehicle insurance purchasing process.
Described central processing unit (1), ID (identity number) card information collector (3), display (4), network interface (5), image acquisition device (8), keyboard (6), bank card reader (7) and printer (2) are arranged on the same cabinet, dwindled the volume of self-service vehicle insurance sale device, the convenient use also is convenient to market simultaneously and thrown in and promote.
The method of work of above-mentioned self-service vehicle insurance sale device is:
Step 1: beginning;
Step 2: the client contacts the collection of finishing client identity information with I.D. with ID (identity number) card information collector (3);
Step 3: during the client identity information of collection was uploaded onto the server by network interface (5) and public network thereof or dedicated network, server judged whether to be the frequent customer;
Step 4: not, then information is offered self-service vehicle insurance sale device, self-service vehicle insurance sale device is captured identity card image information just; The client is placed on image acquisition device (8) image acquisition region with I.D. and finishes collection to the I.D. image information;
Step 5: enter that the vehicle information of insuring obtains, identification process, utilize and gather driving license and information acquisition to the motor vehicle of insuring is finished in the inquiry of motor vehicle VIN sign indicating number infosystem;
Step 6: be, client's the inventory of insuring before then server is transferred, and the inventory of will insuring is passed to self-service vehicle insurance sale device;
Step 7: judge whether to be the used car continuation of insurance, the user judges by the inventory information of insuring will insure motor vehicle whether in the former inventory of insuring;
Step 8: be policy information before then extracting;
Step 9: enter the payment process of insuring;
Step 10: not, then enter described step 5 vehicle information and obtain, identify;
Step 11: according to the vehicle information of gathering, can the algorithm device in the central processing unit (1) be judged and be insured;
Step 12: not, then finish;
Step 13: can, the payment of insuring of described step 9 then entered;
Step 14: during described step 9 is insured and after payment is finished policy information uploaded onto the server;
Step 15: finish;
Described step 5 vehicle information obtains, identification process may further comprise the steps:
5.1: obtain the driving license image information, the user is placed into image acquisition device (8) image acquisition region with required vehicle registration certificate of insuring and finishes the collection of driving license image information;
5.2: self-service vehicle insurance sale device identifies the motor vehicle time buying on the driving license, uses information such as character, engine mumber, motor vehicle VIN sign indicating number by the driving license image information that collects;
5.3: the user checks from driving license by display (4) and identifies vehicle information, correctly then determines, mistake determines that definite operation is finished by display (4) or keyboard (6) after then making and repairing the back accordingly;
5.4: by network interface (5) and public network visit VIN sign indicating number infosystem, finish the collection to details such as motor vehicle model, configuring conditions;
The described step 9 payment process of insuring may further comprise the steps:
9.1: the user finishes the selection of insurance kind, the time of policy purchase by display (4) or keyboard (6); As gathering, printing function are not set, in policy information can being uploaded onto the server, got in touch by the staff of insurance company and client, finish gathering and deliver declaration form work.
9.2: the user selects Payment Methods by display (4) or keyboard (6), mode such as collects to the doorstep as bank card payment, Alipay payment, reservation, selects operation;
9.3: receive successful payment information;
9.4: print declaration form or the affirmation L. A. of insuring.
Beneficial effect of the present invention is: simple in structure, volume is less, and the user is self-service purchase motor vehicle insurance quickly and easily, has enlarged the purchasing channel of motor vehicle insurance.
Description of drawings
Fig. 1 is structural drawing of the present invention.
Fig. 2 is workflow diagram of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments the present invention is described in further detail.
As shown in Figure 1, a kind of self-service vehicle insurance sale device, its key is: be provided with central processing unit 1, ID (identity number) card information collector 3, display 4, network interface 5, image acquisition device 8, keyboard 6, bank card reader 7 and printer 2, described ID (identity number) card information collector 3, display 4, network interface 5, image acquisition device 8, keyboard 6, bank card reader 7 and printer 2 link to each other with central processing unit 1 respectively.Described central processing unit 1, ID (identity number) card information collector 3, display 4, network interface 5, image acquisition device 8, keyboard 6, bank card reader 7 and printer 2 are arranged on the same cabinet.
Described central processing unit 1 adopts industrial computer or single-chip microcomputer, is provided with algorithm device in the central processing unit 1, and network interface 5 connects VIN sign indicating number infosystem and server by public network, and display 4 adopts touch-screen display.
As shown in Figure 2, the method for work of self-service vehicle insurance sale device is as follows:
Step 1: beginning;
Step 2: the client contacts I.D. with ID (identity number) card information collector 3, and ID (identity number) card information collector 3 is finished collection to client identity information by intelligent chip in the I.D.;
Step 3: self-service vehicle insurance sale device judges whether to be the frequent customer during the client identity information of gathering is uploaded onto the server by network interface 5 and corresponding public network thereof;
Step 4: not, self-service vehicle insurance sale device does not then carry out the collection of I.D. image information, and the prompting client is placed on image acquisition device 8 image acquisition region with I.D. and finishes collection to the I.D. image information;
Step 5: enter that the vehicle information of insuring obtains, identification process, utilize and gather driving license and the inquiry of motor vehicle VIN sign indicating number infosystem is finished the purchase time limit to the motor vehicle of insuring, used information acquisitions such as character, configuring condition; Specifically comprise:
5.1: obtain the driving license image information, the user is placed into image acquisition device 8 image acquisition region with the required vehicle registration certificate of insuring and finishes the collection of driving license image information;
5.2: self-service vehicle insurance sale device identifies the motor vehicle time buying on the driving license, uses information such as character, engine mumber, motor vehicle VIN sign indicating number by the driving license image information that collects, the row format of going forward side by side check and correction;
5.3: the user checks from motor vehicle time buying that driving license identifies, uses information such as character, engine mumber, motor vehicle VIN sign indicating number by display 4, correctly then determine, mistake is determined after then making and repairing the back accordingly, is determined and can finish by display 4 or keyboard 6;
5.3: self-service vehicle insurance sale device is finished the collection to details such as motor vehicle model, configuring conditions by network interface 5 and public network visit VIN sign indicating number infosystem;
Step 6: be, client's the inventory of insuring before then server is transferred, and the inventory of will insuring is passed to self-service vehicle insurance sale device;
Step 7: the user judges by the inventory information of insuring and will insure motor vehicle whether in the former inventory of insuring;
Step 8: be, policy information before then extracting,
Step 9: enter the payment process of insuring;
Step 10: not, then enter the described step 5 motor vehicle information of insuring and obtain, identify;
Step 11: the described step 5 motor vehicle information of insuring obtains, identify finish after, the algorithm device that arranges in the self-service vehicle insurance sale device according to the motor vehicle time buying of gathering, use character, passing information such as Claims Resolution situation to judge and can insure;
Step 12: in the prescribed timelimit, do not accept situations such as annual test as motor vehicle, then can not insure, finish behind the prompting client;
Step 13: can, the described step 9 payment step of insuring then entered;
Step 14: described step 9 is insured during payment finishes the back self-service vehicle insurance sale device uploads onto the server policy information, for insurance company's file;
Step 15: finish;
The described step 9 payment process of insuring may further comprise the steps:
9.1: the user finishes the selection of insurance kind, the time of policy purchase by display 4 or keyboard 6, operations such as input contact method;
9.2: select Payment Methods, mode such as collect to the doorstep as bank card payment, Alipay payment, reservation;
9.3: receive successful payment information;
9.4: print declaration form or the affirmation L. A. of insuring.
This self-service vehicle insurance sale device can not arrange payment and printing equipment, its job step is finished relevant selections such as insurance kind, the time of policy purchase, contact method, input in step 9 after, in policy information can being uploaded onto the server by network, got in touch by the staff of insurance company and client, finish the work of delivering of gathering and declaration form.
Need the action of client's complete operation that relevant prompting is all arranged on display in the above-mentioned steps.Display can show insurance company's advertising message at idle phase, and company and company's insurance products thereof are publicized.
The user also buys insurance kinds such as unexpected injury, traffic, trip danger by the present invention, only need the information such as time, route in display 4 or keyboard 6 input trips, just can generate corresponding declaration form, and buying pattern is not repeated with to buy car insurance similar.

Claims (6)

1. self-service vehicle insurance sale device, it is characterized in that: be provided with central processing unit (1), ID (identity number) card information collector (3), display (4), network interface (5) and image acquisition device (8), described ID (identity number) card information collector (3), display (4), network interface (5) and image acquisition device (8) link to each other with central processing unit (1) respectively, and described network interface (5) is by network connection VIN sign indicating number infosystem.
2. according to the described self-service vehicle insurance sale device of claim 1, it is characterized in that: described central processing unit (1) also is connected with keyboard (6).
3. according to claim 1 or 2 described self-service vehicle insurance sale devices, it is characterized in that: described central processing unit (1) also is connected with bank card reader (7).
4. according to the described self-service vehicle insurance sale device of claim 3, it is characterized in that: described central processing unit (1) also is connected with printer (2).
5. according to the described self-service vehicle insurance sale device of claim 4, it is characterized in that: described central processing unit (1), ID (identity number) card information collector (3), display (4), network interface (5), image acquisition device (8), keyboard (6), bank card reader (7) and printer (2) are arranged on the same cabinet.
6. the method for work of claim 4 or 5 described self-service vehicle insurance sale devices is characterized in that: may further comprise the steps,
Step 1: beginning;
Step 2: obtain client identity information;
Step 3: server judges whether to be the frequent customer;
Step 4: not, then captured identity is demonstrate,proved image information;
Step 5: enter that the vehicle information of insuring obtains, identification process;
Step 6: be the inventory of insuring before then server is transferred;
Step 7: judge whether to be the used car continuation of insurance;
Step 8: be policy information before then extracting;
Step 9: enter the payment process of insuring;
Step 10: not, then do not enter the described step 5 vehicle information of insuring and obtain, identify;
Step 11: judge and insure and to accept;
Step 12: not, then finish;
Step 13: be then to enter the payment of insuring of described step 9;
Step 14: described step 9 is insured and is uploaded the relevant information of insuring after payment is finished;
Step 15: finish;
Described step 5 is insured, and vehicle information obtains, identification process may further comprise the steps:
5.1: obtain the driving license image information;
5.2: identification driving license information;
5.3: user's modification is determined information;
5.4: the corresponding vehicle information of inquiry VIN sign indicating number;
The described step 9 payment process of insuring may further comprise the steps:
9.1: select insurance kind, the time of policy purchase;
9.2: select Payment Methods;
9.3: receive successful payment information;
9.4: print declaration form.
CN201310164805.5A 2013-05-07 2013-05-07 Self-service vehicle insurance sale device and method of work thereof Active CN103268675B (en)

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Cited By (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106204288A (en) * 2016-08-01 2016-12-07 深圳市永兴元科技有限公司 Vehicle insurance purchasing method and device
CN106228431A (en) * 2016-08-01 2016-12-14 深圳市永兴元科技有限公司 Vehicle insurance selling method and system
CN106296410A (en) * 2016-08-03 2017-01-04 合肥奇也信息科技有限公司 A kind of self-service system of insuring of automobile insurance
CN107492036A (en) * 2017-09-15 2017-12-19 大连丰泰保险信息咨询有限公司 A kind of insurance policy mandatory system and its data processing method
CN107689004A (en) * 2017-02-20 2018-02-13 平安科技(深圳)有限公司 Group insurance is insured method and system
CN108074184A (en) * 2016-11-14 2018-05-25 平安科技(深圳)有限公司 The method and apparatus that control declaration form renews payment
CN108074185A (en) * 2016-11-15 2018-05-25 平安科技(深圳)有限公司 Insurance information treating method and apparatus
CN108257019A (en) * 2017-04-06 2018-07-06 平安科技(深圳)有限公司 The examination price quoting method and device of a kind of declaration form
CN109255719A (en) * 2018-07-17 2019-01-22 苏州车付通信息科技有限公司 Unattended artificial intelligence is insured system and method for insuring
CN109461087A (en) * 2018-11-06 2019-03-12 北京祥龙博瑞保险代理有限公司 It quickly insures on vehicle insurance line system
CN109800313A (en) * 2018-12-14 2019-05-24 中国平安财产保险股份有限公司 Insure method, apparatus, computer equipment and the storage medium of continuation of insurance

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Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106204288A (en) * 2016-08-01 2016-12-07 深圳市永兴元科技有限公司 Vehicle insurance purchasing method and device
CN106228431A (en) * 2016-08-01 2016-12-14 深圳市永兴元科技有限公司 Vehicle insurance selling method and system
CN106296410A (en) * 2016-08-03 2017-01-04 合肥奇也信息科技有限公司 A kind of self-service system of insuring of automobile insurance
CN108074184A (en) * 2016-11-14 2018-05-25 平安科技(深圳)有限公司 The method and apparatus that control declaration form renews payment
CN108074185A (en) * 2016-11-15 2018-05-25 平安科技(深圳)有限公司 Insurance information treating method and apparatus
CN107689004A (en) * 2017-02-20 2018-02-13 平安科技(深圳)有限公司 Group insurance is insured method and system
CN108257019A (en) * 2017-04-06 2018-07-06 平安科技(深圳)有限公司 The examination price quoting method and device of a kind of declaration form
CN107492036A (en) * 2017-09-15 2017-12-19 大连丰泰保险信息咨询有限公司 A kind of insurance policy mandatory system and its data processing method
CN107492036B (en) * 2017-09-15 2020-12-01 大连丰泰保险信息咨询有限公司 Insurance policy escrow system
CN109255719A (en) * 2018-07-17 2019-01-22 苏州车付通信息科技有限公司 Unattended artificial intelligence is insured system and method for insuring
CN109461087A (en) * 2018-11-06 2019-03-12 北京祥龙博瑞保险代理有限公司 It quickly insures on vehicle insurance line system
CN109800313A (en) * 2018-12-14 2019-05-24 中国平安财产保险股份有限公司 Insure method, apparatus, computer equipment and the storage medium of continuation of insurance

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