CN103268675B - Self-service vehicle insurance sale device and method of work thereof - Google Patents

Self-service vehicle insurance sale device and method of work thereof Download PDF

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Publication number
CN103268675B
CN103268675B CN201310164805.5A CN201310164805A CN103268675B CN 103268675 B CN103268675 B CN 103268675B CN 201310164805 A CN201310164805 A CN 201310164805A CN 103268675 B CN103268675 B CN 103268675B
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China
Prior art keywords
information
enter
insuring
insurance
self
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CN103268675A (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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Abstract

The invention discloses a kind of self-service vehicle insurance sale device and method of work thereof, its key is: be provided with central processing unit, ID (identity number) card information collector, display, network interface and image acquisition device, described ID (identity number) card information collector, display, network interface are connected with central processing unit respectively with image acquisition device, and described network interface connects VIN code infosystem by network.Self-service vehicle insurance sale device method of work adopts, hand over server to judge after getting client identity information, as judged for completing to analyze after new client then captured identity card image, vehicle information of insuring, can not insure, terminate, can insure, enter payment step of insuring, complete motor vehicle insurance and sell; If client is the continuation of insurance of frequent customer's used car, then directly enter payment step of insuring, complete motor vehicle insurance and sell.This real invention structure is simple, can conveniently self-service purchase vehicle insurance, expands the purchasing channel of vehicle insurance.

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, the insurance awareness of people is also strengthened gradually, also just more and more to the demand of insurance.Along with the development of science and technology, self-help insurance sale device becomes reality, people can buy insurance very easily, as: the patent No. is the patent of 201220124120.9,201210435323.4, disclose can self-service purchase ride, go by ship, the device of the personal accidental death and injury insurance such as to go by air.But for vehicle insurance, because need the identity information gathering vehicle configuration information of insuring, character of use, the purchase time limit and insurer, image data amount is very large, and requires that information must be accurately; Also because regulator is strict especially to the supervision of vehicle insurance, program is very various, sells so the marketing method of current vehicle insurance is mainly the modes such as business hall sales counter, phone, internet, is difficult to adopt self-auxiliary device to sell.
Utility model summary of the invention
For solving above technical matters, it is simple that the object of the invention is to provide a kind of structure, the self-service vehicle insurance sale device of the convenient and swift purchase vehicle insurance of energy and method of work thereof.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) are connected with central processing unit (1) respectively with image acquisition device (8), and described network interface (5) connects VIN code infosystem by network.Described central processing unit (1) adopts industrial computer or single-chip microcomputer, central processing unit is provided with algorithm device in (1), network interface (5) connects VIN code 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) is also connected with keyboard (6), can be completed the relevant items such as confirmation, selection, trading password input by keyboard (6).
Described central processing unit (1) is also connected with bank card reader (7), can complete real-time disbursement insurance fund by bank card reader (7).
Described central processing unit (1) is also connected with printer (2), can print then and there to insure to confirm L. A. or declaration form by printer (2), completes 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 same cabinet, reduce the volume of self-service vehicle insurance sale device, easy to use, be also convenient to market simultaneously and throw in and promote.
The method of work of above-mentioned self-service vehicle insurance sale device is:
Step one: start;
Step 2: obtain client identity information;
Step 3: server determines whether frequent customer, if then enter step 6, then enters step 4 if not;
Step 4: no, then captured identity card image information;
Step 5: enter insure vehicle information acquisition, identification process, enter step 7;
Step 6: be, then server transfers inventory of insuring in the past, enters step 7;
Step 7: determine whether that used car is continued insurance, if then enter step 8, then enters step 10 if not;
Step 8: be, then policy information before extracting, enters step 9;
Step 9: enter payment process of insuring, enters step 11;
Step 10: no, then enter described step 5 insure vehicle information obtain, identify;
Step 11: judge to insure and can accept, if then enter step 13, otherwise enter step 12;
Step 12: no, then terminate;
Step 13: be, then enter described step 9 and to insure payment;
Step 14: described step 9 is insured after payment completes and uploaded relevant information of insuring;
Step 15: terminate;
Described step 5 vehicle information obtains, identification process comprises the following steps:
5.1: obtain driving license image information, required vehicle registration certificate of insuring is placed into image acquisition device (8) image acquisition region and completes driving license image information collecting by user;
5.2: self-service vehicle insurance sale device identifies on driving license the information such as motor vehicle time buying, character of use, engine mumber, motor vehicle VIN code by the driving license image information collected;
5.3: user is checked and identified vehicle information by display (4) from driving license, correctly then determines, mistake is then made repairing accordingly and to be determined afterwards, and determination operation is completed by display (4) or keyboard (6);
5.4: by network interface (5) and public network access VIN code infosystem, complete the collection to the details such as motor vehicle model, configuring condition;
Described step 9 payment process of insuring comprises the following steps:
9.1: user completes the selection of insurance kind, the time of policy purchase by display (4) or keyboard (6); If do not arranged gathering, printing function, in policy information can being uploaded onto the server, being got in touch by insurance company staff and client, completing gathering and delivering declaration form work.
9.2: user selects Payment Methods by display (4) or keyboard (6), as modes such as bank card payment, Alipay payment, reservation house calls, select operation;
9.3: receive successful payment information;
9.4: print declaration form or confirmation L. A. of insuring.
Beneficial effect of the present invention is: structure is simple, small volume, and user can self-service purchase motor vehicle insurance quickly and easily, expands the purchasing channel of motor vehicle insurance.
Accompanying drawing explanation
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, and described ID (identity number) card information collector 3, display 4, network interface 5, image acquisition device 8, keyboard 6, bank card reader 7 are connected with central processing unit 1 respectively with printer 2.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 same cabinet.
Described central processing unit 1 adopts industrial computer or single-chip microcomputer, is provided with algorithm device in central processing unit 1, and network interface 5 connects VIN code 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 one: start;
Step 2: I.D. contacts with ID (identity number) card information collector 3 by client, ID (identity number) card information collector 3 completes the collection to client identity information by intelligent chip in I.D.;
Step 3: self-service vehicle insurance sale device carries out determining whether frequent customer in the client identity information of collection being uploaded onto the server by the public network of network interface 5 and correspondence thereof, if then enter step 6, then enters step 4 if not;
Step 4: no, self-service vehicle insurance sale device then carries out ID Card Image information acquisition, and I.D. is placed on image acquisition device 8 image acquisition region and completes collection to ID Card Image information by prompting client;
Step 5: enter insure vehicle information acquisition, identification process, utilize and gather driving license and the information acquisition such as the purchase time limit, character of use, configuring condition to motor vehicle of insuring is completed to the inquiry of motor vehicle VIN code infosystem, enter step 7 after complete; Specifically comprise:
5.1: obtain driving license image information, required vehicle registration certificate of insuring is placed into image acquisition device 8 image acquisition region and completes driving license image information collecting by user;
5.2: self-service vehicle insurance sale device identifies on driving license the information such as motor vehicle time buying, character of use, engine mumber, motor vehicle VIN code by the driving license image information collected, row format of going forward side by side is proofreaded;
5.3: user checks the information such as motor vehicle time buying, character of use, engine mumber, motor vehicle VIN code identified from driving license by display 4, correct then determine, mistake is then made repairing accordingly and to be determined afterwards, determines to be completed by display 4 or keyboard 6;
5.3: self-service vehicle insurance sale device, by network interface 5 and public network access VIN code infosystem, completes the collection to the details such as motor vehicle model, configuring condition;
Step 6: be, then server transfers the inventory of insuring of client in the past, and self-service vehicle insurance sale device passed to by inventory of insuring, and enters step 7;
Step 7: user judges to insure by inventory information of insuring, and whether motor vehicle is former insures in inventory, if then enter step 8, then enters step 10 if not;
Step 8: be, then policy information before extracting, enters step 9;
Step 9: enter payment process of insuring, enters step 11;
Step 10: no, then enter described step 5 motor vehicle and to insure acquisition of information, identification;
Step 11: described step 5 motor vehicle insure acquisition of information, identified after, can the algorithm device arranged in self-service vehicle insurance sale device judge insure according to information such as gathered motor vehicle time buying, character of use, passing Claims Resolution situations, if then enter step 13, otherwise enter step 12;
Step 12: as motor vehicle does not accept the situations such as annual test within the prescribed timelimit, then can not insure, and terminates after prompting client;
Step 13: can, then enter described step 9 and to insure payment step;
Step 14: described step 9 is insured during after payment completes policy information uploads onto the server by self-service vehicle insurance sale device, files for insurance company;
Step 15: terminate;
Described step 9 payment process of insuring comprises the following steps:
9.1: user completes the selection of insurance kind, the time of policy purchase by display 4 or keyboard 6, the operations such as input contact method;
9.2: select Payment Methods, as modes such as bank card payment, Alipay payment, reservation house calls;
9.3: receive successful payment information;
9.4: print declaration form or confirmation L. A. of insuring.
This self-service vehicle insurance sale device can not arrange payment and printing equipment, after its job step completes the Correlation selection such as insurance kind, the time of policy purchase, contact method, input in step 9, in policy information can being uploaded onto the server by network, got in touch by insurance company staff and client, complete gathering and declaration form deliver work.
The action of client's complete operation is needed all to have relevant prompting over the display in above-mentioned steps.Display can show insurance company's advertising message at idle phase, publicizes company and company's insurance products thereof.
User also buys the insurance kinds such as unexpected injury, traffic, trip danger by the present invention, and only need input the information such as time, route of trip on display 4 or keyboard 6, just can generate corresponding declaration form, buying pattern is similar with purchase car insurance, is not repeated.

Claims (1)

1. a method of work for self-service vehicle insurance sale device, is characterized in that: comprise the following steps,
Step one: start;
Step 2: obtain client identity information;
Step 3: server determines whether frequent customer, if then enter step 6, then enters step 4 if not;
Step 4: no, then captured identity card image information;
Step 5: enter insure vehicle information acquisition, identification process, enter step 7;
Step 6: be, then server transfers inventory of insuring in the past, enters step 7;
Step 7: determine whether that used car is continued insurance, if then enter step 8, then enters step 10 if not;
Step 8: be, then policy information before extracting, enters step 9;
Step 9: enter payment process of insuring, enters step 11;
Step 10: no, then enter described step 5 insure vehicle information obtain, identify;
Step 11: judge to insure and can accept, if then enter step 13, otherwise enter step 12;
Step 12: no, then terminate;
Step 13: be, then enter described step 9 and to insure payment;
Step 14: described step 9 is insured after payment completes and uploaded relevant information of insuring;
Step 15: terminate;
Described step 5 is insured, and vehicle information obtains, identification process comprises the following steps:
5.1: obtain driving license image information;
5.2: identify driving license information;
5.3: user revises comformed information;
5.4: the corresponding vehicle information of inquiry VIN code;
Described step 9 payment process of insuring comprises the following 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;
Described self-service vehicle insurance sale device is provided with central processing unit (1), printer (2), ID (identity number) card information collector (3), display (4), network interface (5), keyboard (6), bank card reader (7), image acquisition device (8), described printer (2), ID (identity number) card information collector (3), display (4), network interface (5), keyboard (6), bank card reader (7) is connected with central processing unit (1) respectively with image acquisition device (8), wherein said network interface (5) connects VIN code infosystem by network,
And 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 same cabinet.
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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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
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
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
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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