Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide a kind of vehicle insurance that can be improved vehicle insurance business processing efficiencyMethod for processing business, device, computer equipment and storage medium.
A kind of vehicle insurance method for processing business, which comprises
The vehicle insurance service request that terminal is sent is received, the business vehicle letter for corresponding to business vehicle in vehicle insurance service request is obtainedBreath；
Table is assessed according to business information of vehicles and preset business vehicle, vehicle assessed value is calculated；
User's metewand is obtained, and according to user's metewand, vehicle assessed value and the preset vehicle insurance product factor, it is rawAt vehicle insurance product data；
Authentication rule is determined according to vehicle insurance service request, and authentication is carried out to terminal according to authentication ruleProcessing, obtains authentication result；
When authentication result is to be verified, vehicle insurance is carried out to business vehicle according to vehicle insurance product data and enters Bao ChuReason.
It obtains in one of the embodiments, and corresponds to the business information of vehicles of business vehicle in vehicle insurance service request and include:
Determine the type of vehicle that business vehicle is corresponded in vehicle insurance service request；
Preset collecting vehicle information table corresponding with type of vehicle is inquired from operation system；
Collecting vehicle information table is issued to terminal；
The information of vehicles table that terminal returns is received, information of vehicles table carries out editing and processing to collecting vehicle information table by terminalAfter obtain；
Business information of vehicles is extracted from information of vehicles table.
Table is assessed according to business information of vehicles and preset business vehicle in one of the embodiments, vehicle is calculatedAssessed value includes:
From preset vehicle evaluation factor table, the corresponding vehicle evaluation factor of each business information of vehicles is inquired；
It inquires preset business vehicle corresponding with collecting vehicle information table and assesses table；
From business vehicle assessment table, the corresponding factor assessed value of enquiring vehicle evaluation factor；
Vehicle assessed value is calculated according to each factor assessed value.
Obtaining user's metewand in one of the embodiments, includes:
User identity information is extracted from vehicle insurance service request；
Inquire the corresponding consumer's risk control data of user identity information and vehicle driver's information；
According to consumer's risk control data and vehicle driver's information, user is obtained from preset user's metewand table and is commentedEstimate coefficient.
Determine that authentication rule includes: according to vehicle insurance service request in one of the embodiments,
Service identification information is extracted from vehicle insurance service request；
Inquire preset business proof rule table, and from business proof rule table inquiry business identification information service classThe corresponding business proof rule of type；
According to the corresponding user class of user identity information more new business proof rule, service request proof rule is obtained；
Each service propelling information in service identification information and preset service propelling table is subjected to type of service matching；
According to type of service matching result, service propelling adjustment processing is carried out to service request proof rule, obtains identityProof rule.
In one of the embodiments, according to type of service matching result, business is carried out to service request proof rule and is pushed awayAdjustment is sent to handle, obtaining authentication rule includes:
Obtain type of service matching result；
Preset push verifying demand corresponding with type of service matching result is inquired, push verifying demand includes proof ruleType demand and proof rule requirements of combination；
The type requirements verification rule for meeting proof rule type demand is extracted from business requests verification rule；
Type requirements verification rule is combined according to proof rule requirements of combination, obtains authentication rule.
In one of the embodiments, when authentication result is to be verified, according to vehicle insurance product data to businessVehicle progress vehicle insurance enters guarantor's processing
When authentication result is to be verified, vehicle insurance product data are issued to terminal；
Receive terminal return vehicle insurance enter to protect confirmation message, vehicle insurance enter to protect confirmation message by terminal to vehicle insurance product data intoRow, which enters to protect confirmation, to be obtained；
When vehicle insurance enters to protect the type of confirmation message to confirm normal, vehicle is carried out to business vehicle according to vehicle insurance product dataDanger enters guarantor's processing.
A kind of vehicle insurance business processing device, described device include:
Service request receiving module, for receiving the vehicle insurance service request of terminal transmission, it is right in vehicle insurance service request to obtainAnswer the business information of vehicles of business vehicle；
Vehicle is calculated for assessing table according to business information of vehicles and preset business vehicle in vehicle evaluation moduleAssessed value；
Vehicle insurance product module for obtaining user's metewand, and according to user's metewand, vehicle assessed value and is presetThe vehicle insurance product factor, generate vehicle insurance product data；
Authentication module, for determining authentication rule according to vehicle insurance service request, and according to authentication ruleAuthentication process is carried out to terminal, obtains authentication result；
Vehicle insurance enters to protect processing module, for when authentication result be verified when, according to vehicle insurance product data to industryBusiness vehicle carries out vehicle insurance and enters guarantor's processing.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processingDevice performs the steps of when executing the computer program
The vehicle insurance service request that terminal is sent is received, the business vehicle letter for corresponding to business vehicle in vehicle insurance service request is obtainedBreath；
Table is assessed according to business information of vehicles and preset business vehicle, vehicle assessed value is calculated；
User's metewand is obtained, and according to user's metewand, vehicle assessed value and the preset vehicle insurance product factor, it is rawAt vehicle insurance product data；
Authentication rule is determined according to vehicle insurance service request, and authentication is carried out to terminal according to authentication ruleProcessing, obtains authentication result；
When authentication result is to be verified, vehicle insurance is carried out to business vehicle according to vehicle insurance product data and enters Bao ChuReason.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processorIt is performed the steps of when row
The vehicle insurance service request that terminal is sent is received, the business vehicle letter for corresponding to business vehicle in vehicle insurance service request is obtainedBreath；
Table is assessed according to business information of vehicles and preset business vehicle, vehicle assessed value is calculated；
User's metewand is obtained, and according to user's metewand, vehicle assessed value and the preset vehicle insurance product factor, it is rawAt vehicle insurance product data；
Authentication rule is determined according to vehicle insurance service request, and authentication is carried out to terminal according to authentication ruleProcessing, obtains authentication result；
When authentication result is to be verified, vehicle insurance is carried out to business vehicle according to vehicle insurance product data and enters Bao ChuReason.
Above-mentioned vehicle insurance method for processing business, device, computer equipment and storage medium, the vehicle insurance business sent according to terminalVehicle assessed value is calculated in the business information of vehicles and preset business vehicle assessment table that business vehicle is corresponded in request, thenVehicle insurance product data are generated according to user's metewand, vehicle assessed value and the preset vehicle insurance product factor, and according to by vehicle insuranceThe authentication rule that service request determines carries out authentication process, when being verified according to obtained vehicle insurance product dataIt carries out vehicle insurance and enters guarantor's processing.In vehicle insurance business procession, vehicle insurance product data generate and authentication process, do not needProfessional directly participates in being linked up repeatedly, simplifies vehicle insurance business procession, improves the treatment effeciency of vehicle insurance business.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understoodThe application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, notFor limiting the application.
Vehicle insurance method for processing business provided by the present application, can be applied in the application environment that vehicle insurance as shown in Figure 1 is insured.Wherein, terminal device 102 is communicated with server 104 by network by network.Terminal device 102 sends vehicle to serverDangerous service request, the vehicle to be protected of corresponding vehicle to be protected in the vehicle insurance service request that server 104 is sent according to terminal device 102Vehicle assessed value is calculated in information and preset business vehicle assessment table, further according to user's metewand, vehicle assessed value andThe preset vehicle insurance product factor generates vehicle insurance product data, and carries out according to the authentication rule determined by vehicle insurance service requestAuthentication process carries out vehicle insurance according to obtained vehicle insurance product data when being verified and enters guarantor's processing.Wherein, terminal device102 can be, but not limited to be various personal computers, laptop, smart phone, tablet computer and portable wearable setStandby, server 104 can be realized with the server cluster of the either multiple server compositions of independent server.
In one embodiment, as shown in Fig. 2, providing a kind of vehicle insurance method for processing business, it is applied to Fig. 1 in this wayIn server 104 for be illustrated, comprising the following steps:
Step S201: receiving the vehicle insurance service request that terminal is sent, and obtains in vehicle insurance service request and corresponds to business vehicleBusiness information of vehicles.
Wherein, vehicle insurance service request is used to request corresponding vehicle insurance to be insured business to the server 104 of vehicle insurance operation systemService.Specifically, the vehicle insurance service request of terminal transmission is received in server 104, starts vehicle insurance business processing, obtains vehicle insuranceThe business information of vehicles of business vehicle is corresponded in service request.It specifically can be corresponding with vehicle insurance service request preset by inquiringCollecting vehicle information table obtains information of vehicles relevant to business vehicle, and collecting vehicle information table can be according to each business vehicleType of vehicle be correspondingly arranged, corresponding vehicle insurance business service can be provided according to the information of vehicles.It such as can be underSend out the business information of vehicles of collecting vehicle information table corresponding with vehicle to be protected to the available vehicle to be protected of terminal.Business vehicleInformation can be, but not limited to include vehicle brand, license board information, vehicle accessory parameter, vehicle drive time and driver informationDeng.
Step S203: according to business information of vehicles and preset vehicle evaluation factor table, vehicle assessed value is calculated.
Wherein, business vehicle assessment table record has the corresponding information evaluation value of all types of business information of vehicles, according to industryThe vehicle assessed value for the corresponding available business vehicle entirety of information evaluation value of each business information of vehicles of vehicle of being engaged in, vehicle are commentedValuation reflects the measure of value assessed business vehicle itself.For example, when in scene of insuring applied to vehicle insurance, vehicleEvaluation factor table can recorde the corresponding assessment amount value of all types of business information of vehicles, such as each vehicle accessory in business vehicleCorresponding assessment amount value adds up the corresponding assessment amount value of all business information of vehicles of business vehicle, the available industryThe vehicle for vehicle entirety of being engaged in assesses amount value, i.e. vehicle assessed value.
Typically, for the different business vehicle of all types of business information of vehicles, obtained vehicle assessed value is corresponded toIt is different.For example, for the business vehicle of same brand, same model, it is right if time of vehicle operation is different in information of vehiclesIn the business vehicle B that time of vehicle operation is a month business vehicle A of 3-12 and time of vehicle operation is 5 years or more, it is clear that industryThe vehicle assessed value that business vehicle A is obtained can be higher than business vehicle B.
Step S205: user's metewand is obtained, and is produced according to user's metewand, vehicle assessed value and preset vehicle insuranceThe product factor generates vehicle insurance product data.
User's metewand reflects service-user angle to the influence degree of vehicle insurance product data, and user's metewand canIt is configured with the driver information of risk control data and business vehicle referring to service-user.For example, for same type ofVehicle insurance service request, the service-user first high for risk and the low service-user second of risk, it is clear that service-user first is for vehicleThe influence degree of dangerous product data is not identical as service-user second, specifically, insures in application in vehicle insurance, the high industry of riskThe premium of the corresponding vehicle insurance product data of business user's first can be higher than the guarantor that the low service-user second of risk corresponds to vehicle insurance product dataTake.The vehicle insurance product factor reflects influence of the vehicle insurance product type to vehicle insurance product data, such as different types of vehicle insurance,The vehicle insurance product factor is not also identical.
In the present embodiment, synthetic user metewand, vehicle assessed value and the vehicle insurance product factor are used with reference to business respectivelyThe shadow of influence, business vehicle assessment result itself influence and vehicle insurance type of service to vehicle insurance business of the family to vehicle insurance businessIt rings, obtains vehicle insurance product data.Vehicle insurance product data may include the various parameters of vehicle insurance product corresponding with vehicle insurance business, such asVehicle insurance business item, vehicle insurance business validity period and vehicle insurance business tine etc..Specifically, it insures application scenarios for vehicle insurance, vehicle insuranceProduct data may include the corresponding vehicle insurance premium amount of vehicle insurance product, then can by user's metewand, vehicle assessed value andThe product of vehicle insurance product factor three is calculated.
Step S207: according to vehicle insurance service request determine authentication rule, and according to authentication rule to terminal intoRow authentication process obtains authentication result.
It, can be to terminal when obtaining vehicle insurance product data and carrying out vehicle insurance business processing according to the vehicle insurance product dataService-user identity carries out verifying confirmation, to ensure vehicle insurance service security.Wherein, authentication rule may include various identityVerification mode, such as static password, dynamic password, digital certificate and living things feature recognition, and for various verification modesCombined authentication demand, such as static password and the successive combined authentication demand of dynamic password.Authentication rule can be according to vehicle insuranceService request is determined, such as according in vehicle insurance service request user identity information and service identification information be determined.AgainAuthentication process is carried out to terminal according to the authentication rule, obtains authentication result.Such as by according to authenticationRule issues certificate message to terminal, and return identity is tested after carrying out authentication process according to certificate message by terminalData are demonstrate,proved, and the certificate data is compared with preset verifying reference data, to obtain authentication result.
Step S209: when authentication result is to be verified, vehicle is carried out to business vehicle according to vehicle insurance product dataDanger enters guarantor's processing.
When authentication result is to be verified, shows that the service-user identity of terminal is normal, operated for me, at this timeVehicle insurance, which is carried out, according to vehicle insurance product data enters guarantor's processing.In addition, showing current end if authentication result is that verifying is obstructed out-of-dateThe operator at end is not service-user itself, is not passed through for illegal operation or authentication, and authentication exception can be generatedMessage is simultaneously issued to terminal, re-starts authentication after stopping service request or adjustment with prompt terminal.
In above-mentioned vehicle insurance method for processing business, according to the business for corresponding to business vehicle in the vehicle insurance service request of terminal transmissionVehicle assessed value is calculated in information of vehicles and preset business vehicle assessment table, assesses further according to user's metewand, vehicleValue and the preset vehicle insurance product factor generate vehicle insurance product data, and according to the authentication rule determined by vehicle insurance service requestAuthentication process is carried out, vehicle insurance is carried out according to obtained vehicle insurance product data when being verified and enters guarantor's processing.In vehicle insurance industryIn treatment process of being engaged in, vehicle insurance product data generate and authentication process, do not need professional and directly participate in carrying out repeatedlyIt links up, simplifies vehicle insurance business procession, improve the treatment effeciency of vehicle insurance business.
In one embodiment, the business information of vehicles that business vehicle is corresponded in acquisition vehicle insurance service request comprises determining thatThe type of vehicle of business vehicle is corresponded in vehicle insurance service request；Preset vehicle corresponding with type of vehicle is inquired from operation systemInformation collection table；Collecting vehicle information table is issued to terminal；The information of vehicles table that terminal returns is received, information of vehicles table is by terminalIt is obtained after carrying out editing and processing to collecting vehicle information table；Business information of vehicles is extracted from information of vehicles table.
When generating vehicle insurance product data, the measure of value to business vehicle itself is needed to assess, and with reference to assessmentObtained vehicle assessed value obtains suitable vehicle insurance product data, such as obtains the vehicle insurance premium and protection amount of matters.In the present embodiment,The business vehicle of business vehicle is obtained by issuing preset collecting vehicle information table corresponding with the type of vehicle of business vehicleInformation.For different business vehicles, specific aim setting collecting vehicle information table, such as middle-size and small-size vehicle, large car can be distinguishedAnd customization vehicle etc., to improve the collecting efficiency of information of vehicles.
Specifically, after the vehicle insurance service request for receiving terminal transmission, business vehicle involved in vehicle insurance service request is determinedType of vehicle, can such as extract business vehicles identifications from vehicle insurance service request, and determine according to the business vehicles identificationsCorresponding type of vehicle.Inquiry business system obtains collecting vehicle information table corresponding with type of vehicle from the operation system.In specific implementation, operation system can be preset with collecting vehicle information Table storehouse, for storing the corresponding vehicle of various type of vehicleInformation collection table, can therefrom obtain corresponding collecting vehicle information table according to the type of vehicle of business vehicle.Information of vehiclesAcquisition tables are correspondingly arranged according to type of vehicle, such as may include vehicle brand model, time of vehicle operation, vehicle accessory data andDriver information etc..The collecting vehicle information table of acquisition is issued to terminal, by terminal according to the actual conditions of business vehicle intoEdlin processing, obtains and returns to information of vehicles table.Required business information of vehicles is finally extracted from the information of vehicles table.
In one embodiment, table is assessed according to business information of vehicles and preset business vehicle, vehicle is calculated and commentsValuation includes: to inquire the corresponding vehicle evaluation factor of each business information of vehicles from preset vehicle evaluation factor table；Inquiry withCollecting vehicle information table corresponds to preset business vehicle assessment table；From business vehicle assessment table, enquiring vehicle evaluation factor pairThe factor assessed value answered；Vehicle assessed value is calculated according to each factor assessed value.
In the present embodiment, when obtaining vehicle assessed value according to business information of vehicles and preset business vehicle assessment table,Preset vehicle evaluation factor table is inquired, vehicle evaluation factor table records the corresponding vehicle evaluation factor of each information of vehicles, fromIt can be inquired in the vehicle evaluation factor table and determine the corresponding vehicle evaluation factor of each business information of vehicles.Wherein, vehicle is assessedThe factor can be used for characterizing the extent of deterioration of business information of vehicles, to be worth according to the extent of deterioration to business information of vehiclesScale assessment.Vehicle evaluation factor can specifically include factor names and assessment classification, and factor names are each business information of vehiclesCorresponding vehicle parameter title, such as vehicle brand, driving time and vehicle part；Assessment classification can be each factor names pairThe extent of deterioration classification answered, for example, the vehicle drive time can be divided within 1 year, 1 to 3 year, 3 to 5 years and 5 years or more；VehicleComponent can correspond to be divided into it is completely new, most probably new, fifty percent new, old and scrap.
After determining the corresponding vehicle evaluation factor of each business information of vehicles, inquire corresponding with collecting vehicle information table presetBusiness vehicle assesses table, and business vehicle assessment table records the corresponding factor assessed value of various vehicle evaluation factors, factor assessmentValue can reflect vehicle loss to the influence degree of vehicle value assessment from specific quantized values angle.It is thrown in specific vehicle insuranceIt protects in application scenarios, factor assessed value can be the corresponding value assessment amount of each vehicle evaluation factor.The business vehicle of obtaining is commentedAfter estimating table, therefrom inquire the corresponding factor assessed value of each vehicle evaluation factor, and calculated according to each factor assessed value, such as by it is each becauseSub- assessed value is cumulative, obtains vehicle assessed value.Vehicle assessed value reflects the assessment result of the business vehicle measure of value itself.
In one embodiment, as shown in figure 3, acquisition user's metewand includes:
Step S301: user identity information is extracted from vehicle insurance service request.
User's metewand reflects service-user angle to the influence degree of vehicle insurance product data, is referred to businessThe risk control data of user and the driver information of business vehicle are configured.In the present embodiment, from the vehicle insurance business receivedUser identity information is extracted in request, user identity information can specifically include name, identity card for distinguishing each service-userNumber, phone number, account working ID etc. can unique identification service-user identity information.
Step S303: the corresponding consumer's risk control data of inquiry user identity information and vehicle driver's information.
After determining user identity information, the corresponding consumer's risk control of the user identity information is inquired from vehicle insurance operation systemData and vehicle driver's information.Wherein, consumer's risk control data can correspond to service-user in vehicle insurance for user identity informationIn operation system, the consumer's risk control scoring that the progress risk control based on history service data is handled, that reflects thisThe fraud degree of service-user；Vehicle driver's information can be the relevant information of the driver of business vehicle registration, such as driveIdentity information, license information and the driving information etc. of member.Generally, can the driver of business vehicle be believed by being related to vehicle insurance productBreath is registered, using the generation reference as vehicle insurance product data.It is identical in other business information of vehicles in vehicle insurance productWhen, different driver informations can obtain different vehicle insurance product data.
Step S305: according to consumer's risk control data and vehicle driver's information, from preset user's metewand tableObtain user's metewand.
After obtaining consumer's risk control data and vehicle driver's information, preset user's metewand table, the user are inquiredMetewand table stores various consumer's risk control data and the corresponding user's metewand of vehicle driver's information.HavingBody obtains consumer's risk metewand in application, can first inquire from user's metewand table according to consumer's risk control data,It is screened from consumer's risk metewand according still further to vehicle driver's information and obtains user's metewand, the reflection of user's metewandInfluence degree of the service-user angle to vehicle insurance product data.
In one embodiment, determine that authentication rule includes: from vehicle insurance service request according to vehicle insurance service requestExtract service identification information；Preset business proof rule table is inquired, and the inquiry business mark letter from business proof rule tableThe corresponding business proof rule of the type of service of breath；It is verified and is advised according to the corresponding user class of user identity information more new businessThen, service request proof rule is obtained；By each service propelling information in service identification information and preset service propelling table intoThe matching of industry service type；According to type of service matching result, service propelling adjustment processing is carried out to service request proof rule, is obtainedTo authentication rule.
In the present embodiment, authentication rule is according to the user identity information and service identification information in vehicle insurance service requestIt is determined.Further, different authentication rules can be equipped with for different types of service, such as safety,The requirement of the high type of service of confidentiality requirement, authentication rule can also be higher.It can also for different service-usersTo be equipped with different authentication rules, such as general service subscriber and important service user, different bodies can be setPart proof rule.
Specifically, service identification information is extracted from vehicle insurance service request, service identification information 102 institute of terminal for identificationThe business service classification of request can specifically include the business information such as Business Name, business number.It is true according to service identification informationDetermine the type of service of vehicle insurance service request, can such as inquire preset type of service table, according to service identification information from service classThe corresponding type of service of inquiry business identification information in type table, the as type of service of vehicle insurance service request specifically can beVehicle insurance insurance kind.Preset business proof rule table is inquired, business proof rule table record has the corresponding business of various businesses typeProof rule, business proof rule may include various authentication modes and corresponding verification mode requirements of combination, according to vehicleThe type of service of dangerous service request inquires corresponding business proof rule from business proof rule table.Obtain business verifying ruleAfter then, according to the user class of user identity information, the business proof rule is updated from business user perspective, obtains service requestProof rule.Obtained service request proof rule combines the type of service of vehicle insurance service request and the use of user identity informationFamily rank carries out proof rule from type of service angle and service-user angle respectively and determines, can be improved the standard of authenticationExactness.
Service propelling table records the various businesses pushed information for having the user identity information to correspond to service-user, service propellingTable can carry out big data analysis according to the history service data of service-user and obtain.In specific implementation, the business is generated to push awayWhen sending table, the corresponding history service data of user identity information are obtained.It is corresponding that history service data reflect user identity informationThe historical requests business service in operation system of service-user, can be to the business of service-user according to the history service dataType selection predicted, history service data include the history service time, history service type, history service air control data andHistory service executes data etc..Business demand analysis is carried out to history service data, obtains business demand analysis result.Business needsIt asks analysis for statistical analysis according to type of service, corresponding business service time and business number, is such as taken according to businessType of service each in history service data is ranked up by business time and business number, obtains business demand analysis result.It obtainsAfter business demand analyzes result, corresponding service propelling information is generated according to each type of service, and as desired probability by height toEach service propelling information is ranked up by low sequence, generates service propelling table.
It, will be from each business in the service identification information extracted in vehicle insurance service request and service propelling table in the present embodimentPushed information carries out type of service matching.It in specific implementation, can be by each business in service identification information and service propelling tableThe business information such as Business Name, the business number of pushed information are matched, to judge business according to type of service matching resultWhether the corresponding type of service of identification information is in service propelling table, and adjusts accordingly to service request proof rule,Such as when each service propelling information gap in the business request information that terminal is sent in service identification information and service propelling tableIt is larger, then it can reinforce the intensity of authentication, such as increase the complexity of authentication, obtain suitable authentication rule,And authentication process is carried out according to the authentication rule, to improve the accuracy of authentication.
In one embodiment, according to type of service matching result, service propelling tune is carried out to service request proof ruleWhole processing, obtaining authentication rule includes: to obtain type of service matching result；It inquires corresponding with type of service matching result pre-If push verify demand, push verifying demand include proof rule type demand and proof rule requirements of combination；It is asked from businessIt asks and extracts the type requirements verification rule for meeting proof rule type demand in proof rule；It will according to proof rule requirements of combinationType requirements verification rule is combined, and obtains authentication rule.
Type of service adjustment processing can be carried out to obtained service request proof rule according to type of service matching result.Specifically, type of service matching result is obtained, the type of service matching result is inquired and corresponds to preset push verifying demand.ItsIn, push verifying demand can require to be set according to practical business, such as can be according to the matching of type of service matching resultDemand is verified in the push that degree divides corresponding level, and matching degree is higher, and push verifying demand is lower.Pushing verifying demand can be withIncluding proof rule type demand and proof rule requirements of combination, proof rule type demand is the restriction to verification mode, such asIt is limited to must have living things feature recognition；Proof rule requirements of combination is the restriction to verifying sequence between each verification mode,As first recognition of face static password verifying again, or first dynamic password verification carry out fingerprint recognition etc. again.
After being verified rule type demand, according to the proof rule type demand respectively testing to service request proof ruleCard mode is screened, and the type requirements verification rule for meeting proof rule type demand is retained.The type that screening is obtained againRequirements verification rule is combined according to proof rule requirements of combination, authentication rule is obtained, according to authentication is regularType of service matching result obtains after carrying out type of service adjustment processing to service request proof rule.
In one embodiment, when authentication result is to be verified, according to vehicle insurance product data to business vehicleIt carries out vehicle insurance to enter guarantor's processing including: to issue vehicle insurance product data to terminal when authentication result is to be verified；It receives eventuallyThe vehicle insurance that end returns enters to protect confirmation message, and vehicle insurance enters to protect confirmation message and confirm into guarantor to vehicle insurance product data by terminalIt arrives；When vehicle insurance enters to protect the type of confirmation message to confirm normal, vehicle insurance is carried out to business vehicle according to vehicle insurance product data and is enteredGuarantor's processing.
When authentication result is to be verified, show that the service-user identity of terminal is normal, for my operation, issuesVehicle insurance product data confirm into guarantor to vehicle insurance product data to terminal by terminal, and are returned to vehicle insurance and entered to protect confirmation message.WhenWhen the vehicle insurance received enters to protect the type of confirmation message to confirm normal, show that terminal traffic user has determined that for vehicle insurance productThe vehicle insurance business of data carries out vehicle insurance according to vehicle insurance product data at this time and enters guarantor's processing.In a particular application, when authentication knotFruit is to issue vehicle insurance product data to terminal, if it is true that the vehicle insurance that terminal returns, which enters to protect the type of confirmation message, when being verifiedWhen recognizing normal, guarantor's vehicle progress vehicle insurance is treated according to the vehicle insurance product data and enters guarantor's processing.Specifically, terminal return is being receivedVehicle insurance when entering to protect the type of confirmation message to confirm normal, vehicle insurance payment message can be generated and be issued to terminal, by terminalProduction payment operation is carried out, after the completion of terminal payment, guarantor's vehicle progress vehicle insurance is treated according to the vehicle insurance product data and enters Bao ChuReason.
In one embodiment, as shown in figure 4, providing a kind of vehicle insurance method for processing business, comprising:
Step S401: receiving the vehicle insurance service request that terminal is sent, and obtains in vehicle insurance service request and corresponds to business vehicleBusiness information of vehicles.
Terminal sends vehicle insurance service request to the server 104 of vehicle insurance operation system to request vehicle insurance to be insured business.It obtainsThe business information of vehicles of business vehicle may include: the type of vehicle that business vehicle is corresponded in determining vehicle insurance service request；WorkingPreset collecting vehicle information table corresponding with type of vehicle is inquired in business system；Collecting vehicle information table is issued to terminal；It receivesThe information of vehicles table that terminal returns, information of vehicles table obtain after carrying out editing and processing to collecting vehicle information table by terminal；From vehicleBusiness information of vehicles is extracted in information table.
Step S402: from preset vehicle evaluation factor table, inquire the assessment of each business information of vehicles corresponding vehicle becauseSon；
Step S403: inquiry preset business vehicle corresponding with collecting vehicle information table assesses table；
Step S404: from business vehicle assessment table, the corresponding factor assessed value of enquiring vehicle evaluation factor；
Step S405: vehicle assessed value is calculated according to each factor assessed value.
In the present embodiment, vehicle evaluation factor table records the corresponding vehicle evaluation factor of each information of vehicles, from the vehicleIt can be inquired in evaluation factor table and determine the corresponding vehicle evaluation factor of each business information of vehicles.Determine each business information of vehicles pairAfter the vehicle evaluation factor answered, inquires preset business vehicle corresponding with collecting vehicle information table and assess table, the assessment of business vehicleTable records the corresponding factor assessed value of various vehicle evaluation factors, and factor assessed value can be anti-from specific quantized values angleVehicle loss is reflected to the influence degree of vehicle value assessment.
Step S406: user's metewand is obtained, and is produced according to user's metewand, vehicle assessed value and preset vehicle insuranceThe product factor obtains vehicle insurance product data.
User's metewand reflects service-user angle to the influence degree of vehicle insurance product data.It obtains user and assesses systemNumber may include: to extract user identity information from vehicle insurance service request；Inquire the corresponding consumer's risk control of user identity informationData and vehicle driver's information；According to consumer's risk control data and vehicle driver's information, from preset user's metewandUser's metewand is obtained in table.Synthetic user metewand, vehicle assessed value and the vehicle insurance product factor, respectively with reference to businessThe shadow of influence, business vehicle assessment result itself influence and vehicle insurance type of service to vehicle insurance business of the user to vehicle insurance businessIt rings, obtains vehicle insurance product data.In the present embodiment, vehicle insurance product data include the corresponding vehicle insurance premium amount of vehicle insurance product.
Step S407: service identification information is extracted from vehicle insurance service request；
Step S408: inquiring preset business proof rule table, and the inquiry business mark letter from business proof rule tableThe corresponding business proof rule of the type of service of breath；
Step S409: according to the corresponding user class of user identity information more new business proof rule, service request is obtainedProof rule；
Step S410: each service propelling information in service identification information and preset service propelling table is subjected to service classType matching；
Step S411: according to type of service matching result, carrying out service propelling adjustment processing to service request proof rule,Obtain authentication rule；
Step S412: authentication process is carried out to terminal according to authentication rule, obtains authentication result.
It, can be to terminal when obtaining vehicle insurance product data and carrying out vehicle insurance business processing according to the vehicle insurance product dataService-user identity carries out verifying confirmation, to ensure vehicle insurance service security.Authentication rule can be according to vehicle insurance service requestBe determined, such as according in vehicle insurance service request user identity information and service identification information be determined, according still further to the bodyPart proof rule carries out authentication process to terminal, obtains authentication result.
Wherein, carrying out service propelling adjustment processing to service request proof rule may include: to obtain type of service matchingAs a result；Preset push verifying demand corresponding with type of service matching result is inquired, push verifying demand includes proof rule classType demand and proof rule requirements of combination；The type need for meeting proof rule type demand are extracted from business requests verification ruleSeek proof rule；Type requirements verification rule is combined according to proof rule requirements of combination, obtains authentication rule.
Step S413: when authentication result is to be verified, vehicle insurance product data are issued to terminal；
Step S414: it receives the vehicle insurance that terminal returns and enters to protect confirmation message, vehicle insurance enters to protect confirmation message by terminal to vehicle insuranceProduct data carry out confirming to obtain into guarantor；
Step S415: when vehicle insurance enters to protect the type of confirmation message to confirm normal, according to vehicle insurance product data to businessVehicle carries out vehicle insurance and enters guarantor's processing.
In the present embodiment, when authentication result is to be verified, vehicle insurance product data are issued to terminal, if terminal is returnedWhen the vehicle insurance returned enters to protect the type of confirmation message to confirm normal, guarantor's vehicle progress vehicle insurance is treated according to the vehicle insurance product data and is enteredGuarantor's processing.
It should be understood that although each step in the flow chart of Fig. 2-4 is successively shown according to the instruction of arrow,These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these stepsExecution there is no stringent sequences to limit, these steps can execute in other order.Moreover, at least one in Fig. 2-4Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-stepsCompletion is executed, but can be executed at different times, the execution sequence in these sub-steps or stage is also not necessarily successivelyIt carries out, but can be at least part of the sub-step or stage of other steps or other steps in turn or alternatelyIt executes.
In one embodiment, as shown in figure 5, providing a kind of vehicle insurance business processing device, comprising: service request receivesModule 501, vehicle evaluation module 503, vehicle insurance product module 505, authentication module 507 and vehicle insurance enter to protect processing module 509,Wherein:
Service request receiving module 501 obtains in vehicle insurance service request for receiving the vehicle insurance service request of terminal transmissionThe business information of vehicles of corresponding business vehicle；
Vehicle is calculated for assessing table according to business information of vehicles and preset business vehicle in vehicle evaluation module 503Assessed value；
Vehicle insurance product module 505, for obtaining user's metewand, and according to user's metewand, vehicle assessed value andThe preset vehicle insurance product factor generates vehicle insurance product data；
Authentication module 507 for determining authentication rule according to vehicle insurance service request, and is advised according to authenticationAuthentication process then is carried out to terminal, obtains authentication result；
Vehicle insurance enters to protect processing module 509, for when authentication result be verified when, according to vehicle insurance product data pairBusiness vehicle carries out vehicle insurance and enters guarantor's processing.
In one embodiment, service request receiving module 501 includes type of vehicle unit, acquisition tables query unit, adoptsCollect table issuance unit, information table receiving unit and information of vehicles unit, in which: type of vehicle unit, for determining vehicle insurance businessThe type of vehicle of business vehicle is corresponded in request；Acquisition tables query unit, for the inquiry from operation system and type of vehicle pairAnswer preset collecting vehicle information table；Acquisition tables issuance unit, for issuing collecting vehicle information table to terminal；Information table receivesUnit, for receiving the information of vehicles table of terminal return, information of vehicles table carries out Editorial Services to collecting vehicle information table by terminalIt is obtained after reason；Information of vehicles unit, for extracting business information of vehicles from information of vehicles table.
In one embodiment, vehicle evaluation module 503 includes evaluation factor unit, assessment table unit, factor assessed valueUnit and vehicle assess value cell, in which: evaluation factor unit, for inquiring each industry from preset vehicle evaluation factor tableThe corresponding vehicle evaluation factor of business information of vehicles；Table unit is assessed, for inquiring preset industry corresponding with collecting vehicle information tableBusiness vehicle assesses table；The factor assesses value cell, for being assessed in table from business vehicle, the corresponding factor of enquiring vehicle evaluation factorAssessed value；Vehicle assesses value cell, for vehicle assessed value to be calculated according to each factor assessed value.
In one embodiment, vehicle insurance product module 505 includes identity information element, user information unit and user's assessmentUnit, in which: identity information element, for extracting user identity information from vehicle insurance service request；User information unit, is used forInquire the corresponding consumer's risk control data of user identity information and vehicle driver's information；User's assessment unit, for according toFamily risk control data and vehicle driver's information obtain user's metewand from preset user's metewand table.
In one embodiment, authentication module 507 includes service identification unit, business proof rule unit, requestProof rule unit, push matching unit and push adjustment unit, in which: service identification unit is used for from vehicle insurance service requestMiddle extraction service identification information；Business proof rule unit is verified for inquiring preset business proof rule table, and from businessThe corresponding business proof rule of the type of service of inquiry business identification information in rule list；Requests verification rules unit is used for rootAccording to the corresponding user class of user identity information more new business proof rule, service request proof rule is obtained；Push matching is singleMember, for each service propelling information in service identification information and preset service propelling table to be carried out type of service matching；It pushes awayAdjustment unit is sent, for service propelling adjustment processing being carried out to service request proof rule, being obtained according to type of service matching resultTo authentication rule.
In one embodiment, push adjustment unit includes matching result subelement, demand inquiry subelement, requirements verificationRegular subelement and combined treatment subelement, in which: matching result subelement, for obtaining type of service matching result；DemandSubelement is inquired, for inquiring preset push verifying demand corresponding with type of service matching result, push verifying demand includesProof rule type demand and proof rule requirements of combination；Requirements verification rule subelement, for regular from business requests verificationIt is middle to extract the type requirements verification rule for meeting proof rule type demand；Combined treatment subelement, for according to proof ruleType requirements verification rule is combined by requirements of combination, obtains authentication rule.
In one embodiment, it includes vehicle insurance data distributing unit, confirmation message reception list that vehicle insurance, which enters to protect processing module 509,Member and enter to protect processing unit, in which: vehicle insurance data distributing unit, for when authentication result be verified when, under dispatch a carDangerous product data are to terminal；Confirmation message receiving unit, the vehicle insurance for receiving terminal return enter to protect confirmation message, and vehicle insurance enters to protectConfirmation message is carried out confirming to obtain into guarantor by terminal to vehicle insurance product data；Enter to protect processing unit, for entering to protect confirmation when vehicle insuranceThe type of message is to carry out vehicle insurance when confirming normal to business vehicle according to vehicle insurance product data and enter guarantor's processing.
Specific about vehicle insurance business processing device limits the limit that may refer to above for vehicle insurance method for processing businessFixed, details are not described herein.Modules in above-mentioned vehicle insurance business processing device can fully or partially through software, hardware and itsCombination is to realize.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be withIt is stored in the memory in computer equipment in a software form, in order to which processor calls the above modules of execution correspondingOperation.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junctionComposition can be as shown in Figure 6.The computer equipment includes processor, memory and the network interface connected by system bus.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory of the computer equipment includes non-easyThe property lost storage medium, built-in storage.The non-volatile memory medium is stored with operating system and computer program.The built-in storageOperation for operating system and computer program in non-volatile memory medium provides environment.The network of the computer equipment connectsMouth with external terminal by network connection for being communicated.To realize a kind of vehicle insurance industry when the computer program is executed by processorBusiness processing method.
It will be understood by those skilled in the art that structure shown in Fig. 6, only part relevant to application scheme is tiedThe block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipmentIt may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored withComputer program, the processor perform the steps of when executing computer program
The vehicle insurance service request that terminal is sent is received, the business vehicle letter for corresponding to business vehicle in vehicle insurance service request is obtainedBreath；
Table is assessed according to business information of vehicles and preset business vehicle, vehicle assessed value is calculated；
User's metewand is obtained, and according to user's metewand, vehicle assessed value and the preset vehicle insurance product factor, it is rawAt vehicle insurance product data；
Authentication rule is determined according to vehicle insurance service request, and authentication is carried out to terminal according to authentication ruleProcessing, obtains authentication result；
When authentication result is to be verified, vehicle insurance is carried out to business vehicle according to vehicle insurance product data and enters Bao ChuReason.
In one embodiment, determining vehicle insurance service request is also performed the steps of when processor executes computer programThe type of vehicle of middle corresponding business vehicle；Preset collecting vehicle information table corresponding with type of vehicle is inquired from operation system；Collecting vehicle information table is issued to terminal；The information of vehicles table that terminal returns is received, information of vehicles table is by terminal to information of vehiclesAcquisition tables obtain after carrying out editing and processing；Business information of vehicles is extracted from information of vehicles table.
In one embodiment, it also performs the steps of when processor executes computer program and is assessed from preset vehicleIn factor table, the corresponding vehicle evaluation factor of each business information of vehicles is inquired；It inquires corresponding with collecting vehicle information table presetBusiness vehicle assesses table；From business vehicle assessment table, the corresponding factor assessed value of enquiring vehicle evaluation factor；According to each factorVehicle assessed value is calculated in assessed value.
In one embodiment, it is also performed the steps of from vehicle insurance service request when processor executes computer programExtract user identity information；Inquire the corresponding consumer's risk control data of user identity information and vehicle driver's information；According toFamily risk control data and vehicle driver's information obtain user's metewand from preset user's metewand table.
In one embodiment, it is also performed the steps of from vehicle insurance service request when processor executes computer programExtract service identification information；Preset business proof rule table is inquired, and the inquiry business mark letter from business proof rule tableThe corresponding business proof rule of the type of service of breath；It is verified and is advised according to the corresponding user class of user identity information more new businessThen, service request proof rule is obtained；By each service propelling information in service identification information and preset service propelling table intoThe matching of industry service type；According to type of service matching result, service propelling adjustment processing is carried out to service request proof rule, is obtainedTo authentication rule.
In one embodiment, it is also performed the steps of when processor executes computer program and obtains type of service matchingAs a result；Preset push verifying demand corresponding with type of service matching result is inquired, push verifying demand includes proof rule classType demand and proof rule requirements of combination；The type need for meeting proof rule type demand are extracted from business requests verification ruleSeek proof rule；Type requirements verification rule is combined according to proof rule requirements of combination, obtains authentication rule.
In one embodiment, it also performs the steps of when processor executes computer program when authentication result isWhen being verified, vehicle insurance product data are issued to terminal；It receives the vehicle insurance that terminal returns to enter to protect confirmation message, vehicle insurance enters to protect confirmationMessage is carried out confirming to obtain into guarantor by terminal to vehicle insurance product data；When the type that vehicle insurance enters to protect confirmation message is that confirmation is normalWhen, vehicle insurance is carried out to business vehicle according to vehicle insurance product data and enters guarantor's processing.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculatedMachine program performs the steps of when being executed by processor
The vehicle insurance service request that terminal is sent is received, the business vehicle letter for corresponding to business vehicle in vehicle insurance service request is obtainedBreath；
Table is assessed according to business information of vehicles and preset business vehicle, vehicle assessed value is calculated；
User's metewand is obtained, and according to user's metewand, vehicle assessed value and the preset vehicle insurance product factor, it is rawAt vehicle insurance product data；
Authentication rule is determined according to vehicle insurance service request, and authentication is carried out to terminal according to authentication ruleProcessing, obtains authentication result；
When authentication result is to be verified, vehicle insurance is carried out to business vehicle according to vehicle insurance product data and enters Bao ChuReason.
In one embodiment, determining vehicle insurance business is also performed the steps of when computer program is executed by processor to askSeek the type of vehicle of middle corresponding business vehicle；Preset collecting vehicle information corresponding with type of vehicle is inquired from operation systemTable；Collecting vehicle information table is issued to terminal；The information of vehicles table that terminal returns is received, information of vehicles table believes vehicle by terminalBreath acquisition tables obtain after carrying out editing and processing；Business information of vehicles is extracted from information of vehicles table.
In one embodiment, it also performs the steps of when computer program is executed by processor and is commented from preset vehicleEstimate in factor table, inquires the corresponding vehicle evaluation factor of each business information of vehicles；It inquires corresponding with collecting vehicle information table defaultBusiness vehicle assess table；From business vehicle assessment table, the corresponding factor assessed value of enquiring vehicle evaluation factor；According to it is each becauseVehicle assessed value is calculated in sub- assessed value.
In one embodiment, it is also performed the steps of when computer program is executed by processor from vehicle insurance service requestMiddle extraction user identity information；Inquire the corresponding consumer's risk control data of user identity information and vehicle driver's information；According toConsumer's risk control data and vehicle driver's information obtain user's metewand from preset user's metewand table.
In one embodiment, it is also performed the steps of when computer program is executed by processor from vehicle insurance service requestMiddle extraction service identification information；Preset business proof rule table is inquired, and inquiry business identifies from business proof rule tableThe corresponding business proof rule of the type of service of information；It is verified and is advised according to the corresponding user class of user identity information more new businessThen, service request proof rule is obtained；By each service propelling information in service identification information and preset service propelling table intoThe matching of industry service type；According to type of service matching result, service propelling adjustment processing is carried out to service request proof rule, is obtainedTo authentication rule.
In one embodiment, it is also performed the steps of when computer program is executed by processor and obtains type of serviceWith result；Preset push verifying demand corresponding with type of service matching result is inquired, push verifying demand includes proof ruleType demand and proof rule requirements of combination；The type for meeting proof rule type demand is extracted from business requests verification ruleRequirements verification rule；Type requirements verification rule is combined according to proof rule requirements of combination, obtains authentication rule.
In one embodiment, it also performs the steps of when computer program is executed by processor when authentication resultWhen to be verified, vehicle insurance product data are issued to terminal；It receives the vehicle insurance that terminal returns to enter to protect confirmation message, vehicle insurance enters to protect trueRecognize message and vehicle insurance product data are carried out confirming to obtain into guarantor by terminal；When the type that vehicle insurance enters to protect confirmation message is that confirmation is normalWhen, vehicle insurance is carried out to business vehicle according to vehicle insurance product data and enters guarantor's processing.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be withRelevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computerIn read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,To any reference of memory, storage, database or other media used in each embodiment provided herein,Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may includeRandom access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancingType SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodimentIn each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lanceShield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneouslyIt cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the artIt says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the applicationRange.Therefore, the scope of protection shall be subject to the appended claims for the application patent.