The content of the invention
The embodiment of the present invention provides a kind of method insured based on ETC, with solve client leave it is past behind insurance company's cabinet faceToward will not buy insurance products again, the problem of user's viscosity difference.
In a first aspect, the embodiment of the present invention provides a kind of method insured based on ETC, including insurance server perform asLower step：
The insured request that ETC servers are sent is received, insured request includes customer information；
Based on insured request, judge whether customer information meets the condition of insuring；
If customer information meets condition of insuring, generation validation verification request, and validation verification request is sent toETC servers；
The validation verification of ETC servers transmission is received as a result, validation verification result is including effectively and invalid；
When validation verification result is effective, generation premium accounting checking report, and premium accounting checking report is sent to ETC clothesBusiness device.
Second aspect, the embodiment of the present invention provide a kind of method insured based on ETC, including ETC servers perform asLower step：
The insured request that client is sent is received, and insured request is sent to insurance server；Insured request includes visitorFamily information；
The validation verification request that insurance server is sent is received, validation verification request is to meet to insure in customer informationGenerated during condition；
Ask to carry out client's Effective judgement based on validation verification, obtain validation verification as a result, and testing validityCard result is sent to insurance server, and validation verification result includes effectively and invalid；
The premium accounting checking report that insurance server is sent is received, it in validation verification result is effective that premium accounting checking report, which is,Shi Shengcheng's.
The third aspect, the embodiment of the present invention provide a kind of device insured based on ETC, including insurance server, insurance clothesBusiness device includes：
First insured request receiving module, for receiving the insured request of ETC servers transmission, insured request includes clientInformation；
Insured request judgment module, for based on insured request, judging whether customer information meets the condition of insuring；
Checking request generation module, if meeting condition of insuring for customer information, generation validation verification is asked, and willValidation verification request is sent to ETC servers；
First judging result receiving module, for receiving the validation verification of ETC servers transmission as a result, validation verificationAs a result it is effectively and invalid to include；
Declaration form data transmission blocks, for when validation verification result is effective, generating premium accounting checking report, and will protectExpense accounting checking report is sent to ETC servers.
Fourth aspect, the embodiment of the present invention provide a kind of device insured based on ETC, including ETC servers, ETC servicesDevice includes：
Second insured request receiving module, for receiving the insured request of client transmission, insured request includes client's letterBreath；
Insured request sending module, for insured request to be sent to insurance server；
Checking request receiving module, for receiving the validation verification request of insurance server transmission, validation verification pleaseWhat Seeking Truth was generated when customer information meets to insure condition；
Effective client's judgment module, for asking to carry out client's Effective judgement based on validation verification, obtains validityVerification result, and validation verification result is sent to insurance server, validation verification result includes effectively and invalid；
Declaration form data reception module, for receiving the premium accounting checking report of insurance server transmission, premium accounting checking report isGenerated when validation verification result is effective.
5th aspect, the embodiment of the present invention provide a kind of terminal device, including memory, processor and are stored in storageIn device and the computer program that can run on a processor, the side insured based on ETC is realized when processor performs computer programThe step of method.
6th aspect, the embodiment of the present invention provide a kind of computer-readable recording medium, and computer-readable recording medium is depositedThe step of containing computer program, the method insured based on ETC realized when computer program is executed by processor.
In the method, apparatus provided in an embodiment of the present invention insured based on ETC, terminal device and storage medium, insuredCustomer information in request meet to insure condition when carry out validation verification, the shape when getting effective validation verification resultCheck account report into premium, to complete handling for ETC business and insurance business, avoid ETC business and insurance business handle it is inner need to twoSecondary input customer information, and validation verification twice is carried out, the workload of client can be effectively saved, improves business handling efficiency；Moreover, ETC business and insurance business are handled at the same time, can be conducive to improve usage rate of the user of the client to ETC business and insurance business,In order to subsequent expansion related service.Moreover, handling ETC business and insurance business based on the method that ETC insures by this is allOperated on into line, reaching associated nets point without client is handled, and client can be further facilitated, to improve user satisfaction.
Embodiment 1
Fig. 1 shows the flow chart of the method insured based on ETC in the present embodiment.The method application insured based on ETCIn system of being insured based on ETC, the system that should be insured based on ETC includes ETC servers and insurance server.Insurance server withETC servers are connected by network, so as to realize information exchange between insurance server and ETC servers.The ETC servers canIt is connected with clients such as mobile phone, computers by network, which is that the terminal of human-computer interaction can be achieved.As shown in Figure 1, the baseInclude the following steps in the method that ETC insures：
S101, ETC server receive the insured request that client is sent, and insured request is sent to insurance server；Insured request includes customer information.
Wherein, insured request is the request for the purchase insurance that client is initiated by ETC servers to insurance server.ClientInformation include client handle for the first time the information of typing needed for ETC business and handle insurance business when required typing information.This realityIt is that insurance business relevant with ETC business, in particular to client can be done at the same time when handling ETC business to apply the insurance business in exampleReason, and the insurance business that insurance is deducted fees can be carried out at the same time when ETC deducts fees.
S102, insurance server receive the insured request that ETC servers are sent.
Wherein, insured request is the request for the purchase insurance that client is initiated by ETC servers to insurance server.ClientInformation include client handle for the first time the information of typing needed for ETC business and handle insurance business when required typing information.This realityIt is that insurance business relevant with ETC business, in particular to client can be done at the same time when handling ETC business to apply the insurance business in exampleReason, and the insurance business that insurance is deducted fees can be carried out at the same time when ETC deducts fees.It is to be appreciated that insurance server and ETC serversIt can be connected by WIFI network, 3G network or 4G network services, the insured request of ETC servers is sent to insurance to realizeServer.
S103, insurance server are based on insured request, judge whether customer information meets the condition of insuring.
Wherein, the condition of insuring is the condition insure that insurance company is set according to different insurance kinds, is in the applicationThe default condition of insuring in convoy danger.Only customer information meets the client for the condition of insuring, and insurance company can just agree to that client is insured.Driving age in condition of such as insuring to client is restricted (setting to insure the driving age), then insurance server needs to judge in step S103Whether the driving age in the customer information uploaded by ETC servers meets the limitation of the driving age of insuring in the condition of insuring；If so,Then meet condition of insuring；If it is not, then it is unsatisfactory for the condition of insuring.
Further, the insured request that the ETC servers that insurance server receives are sent can also include target insurance kindID, target insurance kind ID refer to the corresponding mark of the insurance business to be handled of client.Step S103 is specially：Asked based on insuredAsk, judge whether customer information meets the corresponding conditions of insuring of target insurance kind ID.It is to be appreciated that client is handled by clientDuring ETC business, at least one insured button associated with ETC business can be shown on display interface, client clicks on any ginsengProtect button, you can the corresponding insured request of input, which carries target insurance kind ID, so as to based on target insurance kind IDSearch corresponding condition of insuring.
If S104, customer information meet to insure condition, insurance server generation validation verification request, and by validityChecking request is sent to ETC servers.
Wherein, validation verification request is used for the request whether request checking customer information binds the effective means of payment.The effective means of payment refer to the means of payment that can successfully withhold, and are specifically as follows the bank card or Alipay of surplus, orThe not out of date credit card of person.
In the present embodiment, insurance server sends validity to ETC servers and tests when customer information meets to insure conditionCard request, so that validation verification request of the ETC servers based on acquisition, ETC validation verifications are carried out to customer information, so as toSubsequent execution business is deducted fees.If it is to be appreciated that customer information is unsatisfactory for insuring during condition, terminating insurance business and handling flow,And send corresponding notice to ETC servers.
In the present embodiment, because ETC servers need to take off toll, insurance server needs to take off insurance premium, and two kinds takeThe effective means of payment are bound with guarantee customer information is required for.The flow for verifying validity is transferred to ETC by insurance serverServer carries out unified verification, avoids repeated authentication, improves business processing efficiency.
S105, ETC server receive the validation verification request that insurance server is sent, and validation verification request is in visitorFamily information meet to insure condition when generate.
Wherein, the condition of insuring is the condition insure that insurance company is set according to different insurance kinds, is in the applicationThe default condition of insuring in convoy danger.Only customer information meets the client for the condition of insuring, and insurance company can just agree to that client is insured.Driving age in condition of such as insuring to client is restricted (setting to insure the driving age), then insurance server need to judge to take by ETCWhether the driving age in the customer information that business device uploads meets the limitation of the driving age of insuring in the condition of insuring；If so, then meet to throwGuarantor's condition；If it is not, then it is unsatisfactory for the condition of insuring.
Further, the insured request that the ETC servers that insurance server receives are sent can also include target insurance kindID, target insurance kind ID refer to the corresponding mark of the insurance business to be handled of client.It is to be appreciated that client passes through clientWhen handling ETC business, at least one insured button associated with ETC business can be shown on display interface, client, which clicks on, to be appointedOne insured button, you can the corresponding insured request of input, which carries target insurance kind ID, so as to based on target dangerKind ID searches corresponding condition of insuring.
S106, ETC server are based on validation verification request and carry out client's Effective judgement, obtain validation verification knotFruit, and validation verification result is sent to insurance server, validation verification result includes effectively and invalid.
Wherein, validation verification request is used for the request whether request checking customer information binds the effective means of payment.The effective means of payment refer to the means of payment that can successfully withhold, and are specifically as follows the bank card or Alipay of surplus, orThe not out of date credit card of person.
In the present embodiment, insurance server sends validity to ETC servers and tests when customer information meets to insure conditionCard request, so that validation verification request of the ETC servers based on acquisition, ETC validation verifications are carried out to customer information, so as toSubsequent execution business is deducted fees.If it is to be appreciated that customer information is unsatisfactory for insuring during condition, terminating insurance business and handling flow,And send corresponding notice to ETC servers.
In the present embodiment, because ETC servers need to take off toll, insurance server needs to take off insurance premium, and two kinds takeThe effective means of payment are bound with guarantee customer information is required for.The flow for verifying validity is transferred to ETC by insurance serverServer carries out unified verification, avoids repeated authentication, improves business processing efficiency.
S107, insurance server receive the validation verification of ETC servers transmission as a result, validation verification result includesImitate and invalid.
Wherein, effective validation verification result is：Customer information binds the effective means of payment, and the payment boundInstrument can withhold, such as, Alipay surplus, bank card surplus or credit card are not out of date.Invalid validity is testedDemonstrate,proving result is：Customer information does not bind the means of payment (including but not limited to Alipay, bank card and credit card), or bindingThe means of payment but the means of payment cannot be withholdd (such as Alipay and bank card do not have remaining sum, credit card expired).
In the present embodiment, the flow of validation verification is transferred to ETC servers by insurance server, need to only receive ETC clothesThe validation verification that business device is sent is as a result, can determine that whether the customer information of acquisition binds the effective means of payment, to trueWithhold (including toll and corresponding insurance premium) can be smoothed out when passing through highway by recognizing subsequent clients, be avoided because cannotWithhold and unnecessary delay occurs, it is ensured that business is smoothed out.
S108, insurance server are when validation verification result is effective, generation premium accounting checking report, and premium is checked accountReport is sent to ETC servers.
Wherein, premium accounting checking report refers to the data formed when insurance business is handled successfully, which can be to handleThe electronic contract of ETC business and corresponding insurance business.Premium accounting checking report is sent to ETC servers by insurance server, withMake premium accounting checking report of the ETC servers based on acquisition, subsequently carrying out being carried out at the same time insurance fee deduction treatment when ETC deducts fees.
S109, ETC server receive the premium accounting checking report that insurance server is sent, and premium accounting checking report is in validityGenerated when verification result is effective.
Wherein, premium accounting checking report refers to the data formed when insurance business is handled successfully, which can be to handleThe electronic contract of ETC business and corresponding insurance business.Premium accounting checking report is sent to ETC servers by insurance server, withMake premium accounting checking report of the ETC servers based on acquisition, subsequently carrying out being carried out at the same time insurance fee deduction treatment when ETC deducts fees.
Electronic contract template is previously stored with the present embodiment, in insurance server, insurance server is in ETC serversCustomer information meets to insure condition and when getting effective validation verification result, determines to handle relevant with ETC businessInsurance business, at this time, based on customer information and corresponding insurance business (can be to determine insurance business based on target insurance kind ID)Information determine electronic contract, to form premium accounting checking report and be sent to ETC servers.
Electronic contract template is previously stored with the present embodiment, in insurance server, insurance server is in ETC serversCustomer information meets to insure condition and when getting effective validation verification result, determines to handle relevant with ETC businessInsurance business, at this time, based on customer information and corresponding insurance business (can be to determine insurance business based on target insurance kind ID)Information determine electronic contract, to form premium accounting checking report and be sent to ETC servers.In the present embodiment, insurance serviceThe insured request that ETC servers that device can receive are sent, the customer information in insured request meet to insure condition when carry outValidation verification, forms premium accounting checking report when getting effective validation verification result, to complete ETC business and insuranceBusiness is handled, and avoids ETC business and insurance business is handled and need to input customer information twice, and carries out validation verification twice,The workload of client can be effectively saved, improves business handling efficiency；Moreover, ETC business and insurance business are handled at the same time, can be favourableIn improving usage rate of the user of the client to ETC business and insurance business, in order to subsequent expansion related service.Moreover, pass through the baseHandling ETC business and insurance business in the method that ETC insures is operated on line, and reaching associated nets point without client carries outHandle, client can be further facilitated, to improve user satisfaction.
In an embodiment, as shown in Fig. 2, S101, ETC server receive the insured request that client is sent,And insured request is sent to insurance server；S102, insurance server receive the insured request that ETC servers are sent and specifically wrapInclude following steps：
S111, ETC server receive client's essential information that client is sent.
Specifically, client's essential information includes means of payment of ETC account numbers, Customer ID and ETC account number bindings etc. personPart information.The means of payment include but not limited to the means of payment such as credit card, bank card, wechat and Alipay.
S112, ETC server form initial insured request based on client's essential information, and initial insured request is sent toInsurance server.
Wherein, insured request includes initial insured request, which is client by ETC servers to insuranceThe first time request for the purchase insurance that server is initiated.Customer information includes client's essential information, which is fullSufficient ETC business needs information of the client by client typing.In the present embodiment, client is basic by client typing clientWhen information is to complete ETC business handlings, insured button is shown in client, client clicks on the insured button and can be taken by ETCBusiness device inputs initial insured request to insurance server.
S113, insurance server receive the initial insured request that ETC servers are sent, and initial insured request includes client's baseThis information.
Wherein, insured request includes initial insured request, which is client by ETC servers to insuranceThe first time request for the purchase insurance that server is initiated.Customer information includes client's essential information, which is fullSufficient ETC business needs information of the client by client typing.Client's essential information includes ETC account numbers, Customer ID and ETC accountsThe personally identifiable information such as the means of payment of number binding.The means of payment include but not limited to credit card, bank card, wechat and paymentThe means of payment such as treasured.In the present embodiment, client when by client typing client essential information to complete ETC business handlings,Insured button is shown in client, client clicks on the insured button and can be inputted initially to insurance server by ETC serversInsured request.
S114, insurance server are uneven full-time in client's essential information, generation information supplement request, and are sent to clientInformation supplement is asked.
Specifically, client's essential information that ETC business needs is limited, it may meet to handle needed for corresponding insurance businessInformation (i.e. client's essential information is complete), it is also possible to do not meet to handle corresponding insurance business required information that (i.e. client believes substantiallyBreath is not complete).Therefore, when handling ETC business for the first time, it is necessary to judge whether client's essential information of ETC business typings is fullThe sufficient required customer information of insurance business, subsequently to be handled.
Wherein, information supplement request refers to for reminding client to provide the supplement customer information for meeting to insure needed for businessRequest.Specifically, when insurance server judges that client's essential information for being carried in initial insured request is not complete, that is, judges ETCWhen client's essential information of business typing cannot meet insured required customer information, insurance server to ETC serversThe connected client that communicates sends information supplement request, to remind client to provide the customer information that satisfaction insures business needs.
S115, ETC server receive the information supplement request that insurance server is sent, and information supplement request is in client's baseThe uneven full-time formation of this information.
Wherein, information supplement request refers to for reminding client to provide the supplement customer information for meeting to insure needed for businessRequest.
Information supplement request is sent to client by S116, ETC server, and the client for receiving client transmission supplements letterBreath.
Specifically, when insurance server judges that client's essential information for being carried in initial insured request is not complete, that is, judgesWhen client's essential information of ETC business typings cannot meet insured required customer information, insurance server is serviced to ETCThe client transmission information supplement request that device communicates connected, to remind client to provide client's letter that satisfaction insures business needsBreath.
S117, ETC server are based on client's side information and form the insured request of supplement, and will supplement insured request and be sent toInsurance server.Insured request includes initial insured request and supplements insured request, customer information include client's essential information andClient's side information.
Specifically, insured request further includes the insured request of supplement, the insured request of the supplement be client by ETC servers toSecond of request of the purchase insurance that insurance server is initiated.Customer information further includes client's side information, which supplements letterCease to handle the information that corresponding insurance business required information but client's essential information do not provide.
In the present embodiment, the insurance business handled is dangerous business of escorting, if client's essential information is uneven all referring to clientThe client's essential information inputted when handling ETC business does not meet the customer information handled and escorted needed for dangerous business, at this time, insuranceServer can nearly handle link by ETC servers to the convoy that client is sent, so that client shows that the convoy is nearly handledLink.Client, which clicks on danger of escorting and handles, to be jumped to convoy danger after link and handles interface, by client typing client's side information,And the button for confirming to submit is clicked on, to supplement insured request to insurance server input by ETC servers, so that insurance serviceDevice can obtain client and handle the client's essential information inputted during ETC business, and client handles interface prompt according to danger of escorting and mendsThe client's side information filled.
S118, insurance server receive the insured request of supplement that ETC servers are sent, and supplementing insured request includes client's benefitFill information.
Insured request further includes the insured request of supplement, and the insured request of the supplement is that client is taken by ETC servers to insuranceIt is engaged in asking for second that the purchase that device is initiated is insured.Customer information further includes client's side information, which is to doManage the information that corresponding insurance business required information but client's essential information do not provide.
In the present embodiment, the insurance business handled is dangerous business of escorting, if client's essential information is uneven all referring to clientThe client's essential information inputted when handling ETC business does not meet the customer information handled and escorted needed for dangerous business, at this time, insuranceServer can nearly handle link by ETC servers to the convoy that client is sent, so that client shows that the convoy is nearly handledLink.Client, which clicks on danger of escorting and handles, to be jumped to convoy danger after link and handles interface, by client typing client's side information,And the button for confirming to submit is clicked on, to supplement insured request to insurance server input by ETC servers, so that insurance serviceDevice can obtain client and handle the client's essential information inputted during ETC business, and client handles interface prompt according to danger of escorting and mendsThe client's side information filled.
S119：If client's essential information is complete, insurance server is using client's essential information as customer information.
Specifically, it is when insurance server judges that client's essential information for being carried in initial insured request is complete, i.e., fullFoot is when handling allied line required information, directly using the client's essential information handled needed for ETC business as handling guarantorThe customer information of dangerous business, without repeating typing customer information, is conducive to increase customer satisfaction degree and business processing efficiency.
In the present embodiment, client can be inputted when handling ETC business and carry visitor by ETC servers to insurance serverThe initial insured request of family essential information so that handle insurance business without typing when handling ETC business typing visitorFamily essential information, avoids client's essential information from carrying out repeating typing, to facilitate client, increases customer satisfaction degree and business processingEfficiency.
In an embodiment, as shown in figure 3, following steps should be further included based on the method that ETC insures：
S121, ETC server obtain toll data, and toll data is sent to insurance server, pass cost numberAccording to including the pass cost amount of money.
Wherein, to be client pass through the data that are formed during ETC passages to toll data.The pass cost amount of money refers to when time driving instituteThe toll or cross-bridge-expense that need to be paid.When the client for having handled ETC business and insurance business drives over Entry to motorway charge stationETC passages when, the vehicle carried electronic label on vehicle read the customer information in ETC cards and with the Wireless microwave day in charge stationLine communicates so that ETC servers obtain ETC cards in customer information, when the secondary road markings driven through, Entry to motorwayWith enter the toll data such as high speed crossing time.When client drives over the ETC passages of the charge station of outlet at a high speed, on vehicleVehicle carried electronic label read ETC cards in customer information and communicate with the Wireless microwave antenna in charge station so that ETCServer obtain ETC cards in customer information, when the secondary road markings driven through, at a high speed export and change leave high speed crossing whenBetween wait toll data.The ETC servers toll data meter that outlet charge station obtains based on Entry to motorway charge station and at a high speedCalculate and obtain when the pass cost amount of money of payment needed for time driving.
S122, insurance server obtain the toll data that ETC servers are sent, and toll data includes pass cost goldVolume.
Wherein, to be client pass through the data that are formed during ETC passages to toll data.The pass cost amount of money refers to when time driving instituteThe toll or cross-bridge-expense that need to be paid.When the client for having handled ETC business and insurance business drives over Entry to motorway charge stationETC passages when, the vehicle carried electronic label on vehicle read the customer information in ETC cards and with the Wireless microwave day in charge stationLine communicates so that ETC servers obtain ETC cards in customer information, when the secondary road markings driven through, Entry to motorwayWith enter the toll data such as high speed crossing time.When client drives over the ETC passages of the charge station of outlet at a high speed, on vehicleVehicle carried electronic label read ETC cards in customer information and communicate with the Wireless microwave antenna in charge station so that ETCServer obtain ETC cards in customer information, when the secondary road markings driven through, at a high speed export and change leave high speed crossing whenBetween wait toll data.The ETC servers toll data meter that outlet charge station obtains based on Entry to motorway charge station and at a high speedCalculate and obtain when the pass cost amount of money of payment needed for time driving.
S123, insurance server are based on the pass cost amount of money and calculate the receivable premium amount of money, form request of withholing, request bag of withholingInclude receivable the premium amount of money and the pass cost amount of money.
Specifically, the premium amount of money be by insurance server it is default insure deduct fees rule the pass cost amount of money is handledTo obtain the corresponding premium amount of money.The ratio of withholing that rule can set the receivable premium amount of money to be the pass cost amount of money of deducting fees of insuringExample, such as 2%；It may be set to be the pass cost amount of money and be divided into difference and withhold level, each level of withholing corresponds to one and withholds ratio,As the pass cost amount of money be greater than or equal to 200, then by 2%；As the pass cost amount of money be less than 200, then by 2.5%.Request of withholing is baseIn the request for being used to ask to withhold that the pass cost amount of money and the premium amount of money are formed.
S124, ETC server receive insurance server send request of withholing, withhold request include the receivable premium amount of money withThe pass cost amount of money, the receivable premium amount of money are calculated based on toll data.
Specifically, the premium amount of money be by insurance server it is default insure deduct fees rule the pass cost amount of money is handledTo obtain the corresponding premium amount of money.The ratio of withholing that rule can set the receivable premium amount of money to be the pass cost amount of money of deducting fees of insuringExample, such as 2%；It may be set to be the pass cost amount of money and be divided into difference and withhold level, each level of withholing corresponds to one and withholds ratio,As the pass cost amount of money be greater than or equal to 200, then by 2%；As the pass cost amount of money be less than 200, then by 2.5%.Request of withholing is baseIn the request for being used to ask to withhold that the pass cost amount of money and the premium amount of money are formed.
The request that will withhold of S125, ETC server is sent to means of payment server, so that means of payment server is based on buttonMoney request carries out processing of withholing, and obtains handling result of withholing.
Specifically, insurance server withholing formation to be formed and be sent to means of payment server by ETC servers, props upTool server is paid to withhold based on receivable the premium amount of money and the pass cost amount of money in request of withholing, and the handling result that will withholdIt is sent to insurance server.Wherein, handling result of withholing includes successfully withholing and withholds not successfully, successfully withholds including having completedPremium withholds and has completed ETC pass costs and withholds；Failed withhold refers to that not completing premium withholds and do not complete ETC pass cost buttonsMoney.
In the present embodiment, insurance server the premium amount of money after calculating is added with the pass cost amount of money directly obtain client shouldThe total amount paid, and request of withholing is formed based on the total amount, avoid forming request of withholing in two servers respectively, pointThe step of not withholdd by means of payment server, accelerates business progress, improves business processing efficiency.
S126, ETC server handling result that will withhold are sent to insurance server.
S127, insurance server, which will withhold, asks to be sent to means of payment server by ETC servers, so as to pay workTool server carries out processing of withholing based on request of withholing, and obtains handling result of withholing.
Specifically, withholing for formation is sent to means of payment server by insurance server by ETC servers, pays workTool server is withholdd based on receivable the premium amount of money and the pass cost amount of money in request of withholing, and the handling result transmission that will withholdTo insurance server.Wherein, handling result of withholing includes successfully withholing and withholds not successfully, successfully withholds including having completed premiumWithhold and completed ETC pass costs and withhold；Failed withhold refers to that unfinished premium is withholdd and do not completed ETC pass costs and withholds.
In the present embodiment, insurance server the premium amount of money after calculating is added with the pass cost amount of money directly obtain client shouldThe total amount paid, and request of withholing is formed based on the total amount, avoid forming request of withholing in two servers respectively, pointThe step of not withholdd by means of payment server, accelerates business progress, improves business processing efficiency.
S128, insurance server determine whether that having completed premium withholds based on handling result of withholing；If premium is completedWithhold, then form premium accounting checking report.
Specifically, when handling result that what insurance server received withhold is withholdd to have completed premium, then premium pair is formedAccount report, report that the premium can be checked account are sent to client, can also periodically count preset time period (such as one in real timeMonth) premium accounting checking report, and count after premium accounting checking report be periodically sent to client so that the corresponding client of clientUnderstand premium to withhold situation.
In addition, the handling result of withholing that insurance server receives is when not completing premium to withhold, please by corresponding withholdAsk and be sent to ETC servers, request will be sent to the corresponding client of business personnel so that ETC servers will withhold, by business peopleMember is handled into follow-up under line, and forms premium to table of receiving telegraph after handling successfully.In the present embodiment, premium will be formed to receivingThe business of table switchs to handle under line, can must effectively ensure that each business all obtains timely processing, enhances the reliable of systemProperty.
In the present embodiment, the business that premium withholds will be completed and generated premium accounting checking report premium accounting checking report in time, andEvery business of Shi Jilu so that business has good grounds, and saves the time of manual record business.
S129, ETC server receive the premium accounting checking report that insurance server is sent, and premium accounting checking report is at the place that withholdsReason result is formed when having completed to withhold.
Specifically, when handling result that what insurance server received withhold is withholdd to have completed premium, then premium pair is formedAccount report, report that the premium can be checked account are sent to client, can also periodically count preset time period (such as one in real timeMonth) premium accounting checking report, and count after premium accounting checking report be periodically sent to client so that the corresponding client of clientUnderstand premium to withhold situation.
In addition, the handling result of withholing that insurance server receives is when not completing premium to withhold, please by corresponding withholdAsk and be sent to ETC servers, request will be sent to the corresponding client of business personnel so that ETC servers will withhold, by business peopleMember is handled into follow-up under line, and forms premium to table of receiving telegraph after handling successfully.In the present embodiment, premium will be formed to receivingThe business of table switchs to handle under line, can must effectively ensure that each business all obtains timely processing, enhances the reliable of systemProperty.
In the present embodiment, the business that premium withholds will be completed and generated premium accounting checking report premium accounting checking report in time, andEvery business of Shi Jilu so that business has good grounds, and saves the time of manual record business.
It is to be understood that the size of the sequence number of each step is not meant to the priority of execution sequence, each process in above-described embodimentExecution sequence should determine that the implementation process without tackling the embodiment of the present invention forms any limit with its function and internal logicIt is fixed.
Embodiment 2
Fig. 4 is shown and principle of the method insured in embodiment 1 based on ETC correspondingly based on the ETC devices insuredBlock diagram.This includes insurance server, ETC servers and means of payment server based on the device that ETC insures.As shown in figure 4,The insurance server includes the first insured request receiving module 110, insured request judgment module 120, checking request generation module130th, the first judging result receiving module 140 and declaration form data transmission blocks 150.Wherein, the first insured request receiving module110th, insured request judgment module 120, checking request generation module 130, the first judging result receiving module 140 and declaration form dataSending module 150 realizes that function step 1 corresponding with insurance server in the method insured in embodiment 1 based on ETC is a pair ofShould, to avoid repeating, the present embodiment is not described in detail one by one.
First insured request receiving module 110, for receiving the insured request of ETC servers transmission, insured request includesCustomer information.
Insured request judgment module 120, for based on insured request, judging whether customer information meets the condition of insuring.
Checking request generation module 130, if meeting condition of insuring for customer information, generation validation verification is asked,And validation verification request is sent to ETC servers.
First judging result receiving module 140, for receiving the validation verification of ETC servers transmission as a result, validityVerification result includes effectively and invalid.
Declaration form data transmission blocks 150, for when validation verification result is effective, generating premium accounting checking report, andPremium accounting checking report is sent to ETC servers.
Preferably, the first insured request receiving module 110 specifically includes：First receive information unit 111, first is sent pleaseUnit 112, first is asked to receive request unit 113 and set information unit 114.
First receive information unit 111, for receiving the initial insured request of ETC servers transmission, initial insured requestIncluding client's essential information.
First sends request unit 112, if incomplete for client's essential information, generation information supplement request, and toClient sends information supplement request.
First receives request unit 113, for receiving the insured request of supplement of ETC servers transmission, supplements insured requestIncluding client's side information.
Set information unit 114, if complete for client's essential information, using client's essential information as customer information.
The device that ETC insures is preferably based on to further include：Obtain toll data module 161, request module of withholing 162,Processing module of withholing 163 and formation Reports module 164.
Toll data module 161 is obtained, for obtaining the toll data of ETC servers transmission, toll data bagInclude the pass cost amount of money.
Request module of withholing 162, for calculating the receivable premium amount of money based on the pass cost amount of money, forms request of withholing, withholdsRequest includes receivable the premium amount of money and the pass cost amount of money.
Processing module of withholing 163, for that will withhold, request will be sent to means of payment server by ETC servers, so thatMeans of payment server carries out processing of withholing based on request of withholing, and obtains handling result of withholing.
Reports module 164 is formed, for determining whether that having completed premium withholds based on handling result of withholing；If completePremium is withholdd, then forms premium accounting checking report.
As shown in figure 4, the ETC servers include the second insured request receiving module 210, insured request sending module 220,Checking request receiving module 230, effective client's judgment module 240 and declaration form data reception module 250.Wherein, second it is insured pleaseAsk receiving module 210, insured request sending module 220, checking request receiving module 230, effective client's judgment module 240 and protectThe step for realizing that function is corresponding with ETC servers in the method insured in embodiment 1 based on ETC of forms data receiving module 250Correspond, to avoid repeating, the present embodiment is not described in detail one by one.
Second insured request receiving module 210, for receiving the insured request of client transmission, insured request includes clientInformation.
Checking request receiving module 220, for receiving the validation verification request of insurance server transmission, validation verificationRequest is generated when customer information meets to insure condition.
Effective client's judgment module 230, for being asked to carry out client's Effective judgement based on validation verification, is obtained effectiveProperty verification result, and validation verification result is sent to insurance server, validation verification result includes effectively and invalid.
Declaration form data reception module 240, for receiving the premium accounting checking report of insurance server transmission, premium accounting checking reportGenerated when validation verification result is effective.
Preferably, the second insured request receiving module 210 can also specifically include：Second receive information unit 211, secondSend request unit 212, second and receive request unit 213, the 3rd receive information unit the 214, the 3rd transmission request unit 215.
Second receive information unit 211, for receiving client's essential information of client transmission.
Second sends request unit 212, for forming initial insured request based on client's essential information, and will be initial insuredRequest is sent to insurance server.
Second receives request unit 213, for receiving the information supplement request of insurance server transmission, information supplement requestIt is in the uneven full-time formation of client's essential information.
3rd receive information unit 214, for information supplement request to be sent to client, and receives client transmissionClient's side information.
3rd sends request unit 215, supplements insured request for being formed based on client's side information, and will supplement insuredRequest is sent to insurance server.Insured request includes initial insured request and supplements insured request, and customer information includes clientEssential information and client's side information.Insured request sending module 220, for insured request to be sent to insurance server.
Being preferably based on the device that ETC insures can also include：Obtain toll data module 251, receive request of withholingModule 252, obtain handling result module 253 of withholing, handling result of withholing sending module 254, receive premium reconciliation Reports module255。
Toll data module 251 is obtained, insurance service is sent to for obtaining toll data, and by toll dataDevice, toll data include the pass cost amount of money.
Receive request module 252 of withholing, for receiving the request of withholing of insurance server transmission, request of withholing includes receivableThe premium amount of money and the pass cost amount of money, the receivable premium amount of money are calculated based on toll data.
Acquisition is withholdd handling result module 253, and for that will withhold, request will be sent to means of payment server, so as to pay workTool server carries out processing of withholing based on request of withholing, and obtains handling result of withholing.
Handling result of withholing sending module 254, for that will withhold, handling result is sent to insurance server.
Premium reconciliation Reports module 255 is received, for receiving the premium accounting checking report of insurance server transmission, premium accounting checkingReport is formed when handling result of withholing is and has completed to withhold.