Post-paid insurance charging method and device based on motor vehicle, driver and journey

Abstract

The invention discloses a post-paid insurance charging method based on a motor vehicle, a driver and a journey, which is suitable for a server and comprises the following steps: receiving an insurancejourney starting request sent by a client; wherein the insurance travel starting request comprises a driver ID corresponding to the client and vehicle-mounted collector IDs on the motor vehicles, andeach vehicle-mounted collector is uniquely matched with each motor vehicle; based on a driver ID and a vehicle-mounted collector ID in the insurance travel starting request, finding registered and matched insured driver information and motor vehicle information from a database, and respectively sending insurance travel starting confirmation information to the client and the vehicle-mounted collector to start an insurance travel; wherein in the process of insurance travel, the server receives real-time driving information sent by the client and the vehicle-mounted collector; and when an insurance travel ending request sent by the client is received, sending insurance travel ending confirmation information to the client, and calculating payable insurance premium of the insurance travel based on a preset formula.

Description

technical field [0001] The present invention relates to the technical field of insurance, in particular to a post-paid insurance billing method, device, system, equipment, and readable storage medium based on motor vehicles, drivers, and trips. Background technique [0002] With the rapid development of today's society, the use of motor vehicles is very common and has played an irreplaceable role in our daily life, and safe driving cannot be separated from the escort of insurance products. Motor vehicle insurance, also known as "auto insurance", is a means of transportation insurance that takes the motor vehicle itself and its third party liability as insurance signs. The way of payment of premiums in the known insurance industry is usually to allow the policyholder to choose. [0003] But, inventor finds when implementing the present invention, there is following problem at least in the auto insurance applying for insurance and billing mode that adopts at present: (1) the ...

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Problems solved by technology

[0003] But, inventor finds when implementing the present invention, there is following problem at least in the auto insurance applying for insurance and billing mode that adopts at present: (1) the insured object of present general auto insurance is basically " motor vehicle " itself, does not extend to The driver and passengers on the motor vehicle, if you need to insure the driver and passengers on the motor vehicle, you need to purchase additional personal insurance

(2) As the insured object of auto insurance, "motor vehicles", almost identical insurance products are implemented for different drivers, without taking into account the different risks caused by the differentiation of drivers of motor vehicles

(3) The payment method of motor vehicle insurance is usually the way of paying first and then insurance, often allowing the insured to choose to pay the insurance premium in half a year or once a year. For the insured, it is necessary to pay a large amount of insurance premiums in advance. and poor real-time performance, especially unreasonable for policyholders who use less motor vehicles

(4) Due to the payment method of insurance after payment, the insurance premium has nothing to do with the actual travel itinerary, and does not take into account the different risks caused by the mileage of the actual itinerary, travel area, time, and vehicle speed.

(5) In the era of online car-hailing, a considerable number of non-operating vehicles have become part-time operating vehicles such as ride-hailing vehicles. According to the regulations of insurance companies, non-operating vehicles are not allowed to conduct commercial operations. For the current part-time commercial operation of non-operating vehicles Insurance problem, no solution yet

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