Disclosure of Invention
In view of the above, the present invention is to provide a system and a method for checking an insurance status of a driver of an automobile, which can help to standardize insurance policies and standards for the driver status and effectively identify the status of the driver.
The invention is realized by adopting the following scheme: an automobile driver insurance identity checking system comprises a Bluetooth insurance label arranged on a vehicle, an insurance app arranged on a mobile phone and a background server;
vehicle information is arranged in the Bluetooth insurance tag, and the insurance app on the mobile phone is provided with driver information; after the Bluetooth insurance label is in communication connection with the mobile phone, the mobile phone acquires vehicle information in the Bluetooth insurance label and transmits the acquired information and driver information stored in the mobile phone to the background server;
the background server confirms the legality and insurance service state of the driver; when the driver is in an insurable state, the server prompts the driver to buy insurance again through the insurance app on the mobile phone; when the driver is in an insurance state, confirming the insurance type of the driver;
the background server confirms the insurance state of the vehicle; if the vehicle is in a non-insurance state and the driver is the owner, the server prompts the driver to purchase insurance through the insurance app on the mobile phone; the vehicle is in a non-insurance state, and the driver is not the owner, the server prompts the driver to carry out single insurance purchase through the insurance app on the mobile phone or prompts the driver to contact the owner to carry out insurance purchase; when the vehicle is in an insurance state and the driver is also in the insurance state, the server prompts the driver to drive to go through the insurance app on the mobile phone.
Further, the vehicle information includes the model of the vehicle and corresponding owner information; the driver information includes an insurance status of the driver and vehicle information registered under the name.
Further, when the mobile phone of the driver is connected with the Bluetooth insurance label on the vehicle, the insurance app on the mobile phone locks the functions of the mobile phone, so that the mobile phone can only use the navigation function and the call function of the vehicle at present.
Further, bluetooth insurance label is for insurance company presets the hidden position in the vehicle inside for vehicle insurance to need adopt professional instrument just can dismantle, in order to prevent to be torn open by mistake.
Furthermore, when the driver leaves the vehicle, the connection between the mobile phone and the Bluetooth safety tag is disconnected, the safety app on the mobile phone records the position and the state when the Bluetooth safety tag is disconnected, the position track of the mobile phone is used for tracking the record track, and when the vehicle needs to be searched, the position of the vehicle is found according to the track recorded by the safety app on the mobile phone.
The invention also provides a method of the automobile driver insurance identity checking system based on the above, which comprises the steps of confirming the information of the vehicle and the driver and confirming the insurance state;
the information for confirming the vehicle and the driver is specifically as follows: the vehicle presets a Bluetooth insurance label aiming at vehicle insurance by an insurance company in advance, drivers participating in the insurance download and install insurance apps to a mobile phone in advance, and input driver information during registration, and the Bluetooth insurance label and the insurance apps on the mobile phone confirm legal information in advance and determine the legal information as legal equipment; when the mobile phone is connected to a Bluetooth insurance label on the vehicle through Bluetooth, the vehicle information can be identified, and the driver is confirmed to drive the vehicle to belong to the insurance range;
the steps of confirming the insurance state are specifically as follows: the method comprises the steps that an insurance app on a mobile phone transmits acquired vehicle information and driver information stored in the mobile phone to a background server, and the background server confirms the legality and insurance service state of a driver after receiving the information; when the driver is in an insurable state, the server prompts the driver to buy insurance again through the insurance app on the mobile phone; when the driver is in an insurance state, confirming the insurance type of the driver; if the vehicle is in an unsafe state and the driver is the owner, the server prompts the driver to purchase insurance through the insurance app on the mobile phone; the vehicle is in a non-insurance state, and the driver is not the owner, the server prompts the driver to carry out single insurance purchase through the insurance app on the mobile phone or prompts the driver to contact the owner to carry out insurance purchase; when the vehicle is in an insurance state and the driver is also in the insurance state, the server prompts the driver to drive to go through the insurance app on the mobile phone.
Preferably, when the driver is not the owner of the vehicle, the server can also prompt the driver to purchase insurance on a daily basis.
Preferably, the invention can adopt a professional encryption scheme to encrypt the identity information and the like so as to prevent the identity information from being leaked.
Further, the method also comprises a vehicle position tracking step, which specifically comprises the following steps: when a driver leaves a vehicle, the connection between the mobile phone and the Bluetooth safety tag is disconnected, the safety app on the mobile phone records the position and the state when the Bluetooth safety tag is disconnected, the position track of the mobile phone is used for tracking and recording the track, and when the vehicle needs to be searched, the position of the vehicle is found according to the track recorded by the safety app on the mobile phone.
Compared with the prior art, the invention has the following beneficial effects: the invention provides an insurance identity checking system for a vehicle driver. The system can accurately identify the driver information corresponding to the vehicle. For services such as automobile leasing, insurance application behaviors of drivers cannot be tracked and confirmed, and accurate insurance application by days or even times can be carried out after the identities of the drivers can be identified by the method.
Detailed Description
The present invention will be further described with reference to the following examples.
It should be noted that the following detailed description is exemplary and is intended to provide further explanation of the disclosure. Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs.
It is noted that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of example embodiments according to the present application. As used herein, the singular forms "a", "an" and "the" are intended to include the plural forms as well, and it should be understood that when the terms "comprises" and/or "comprising" are used in this specification, they specify the presence of stated features, steps, operations, devices, components, and/or combinations thereof, unless the context clearly indicates otherwise.
The embodiment provides an automobile driver insurance identity checking system which comprises a Bluetooth insurance label arranged on an automobile, an insurance app arranged on a mobile phone and a background server;
vehicle information is arranged in the Bluetooth insurance tag, and the insurance app on the mobile phone is provided with driver information; after the Bluetooth insurance label is in communication connection with the mobile phone, the mobile phone acquires vehicle information in the Bluetooth insurance label and transmits the acquired information and driver information stored in the mobile phone to the background server;
the background server confirms the legality and insurance business state of the driver; when the driver is in an insurable state, the server prompts the driver to buy insurance again through the insurance app on the mobile phone; when the driver is in an insurance state, confirming the insurance type of the driver;
the background server confirms the insurance state of the vehicle; if the vehicle is in an unsafe state and the driver is the owner, the server prompts the driver to purchase insurance through the insurance app on the mobile phone; the vehicle is in a non-insurance state, and the driver is not the owner, the server prompts the driver to carry out single insurance purchase through the insurance app on the mobile phone or prompts the driver to contact the owner to carry out insurance purchase; when the vehicle is in an insurance state and the driver is also in the insurance state, the server prompts the driver to drive to go out through the insurance app on the mobile phone.
In this embodiment, the vehicle information includes a model of the vehicle and corresponding owner information; the driver information includes the insurance status of the driver and vehicle information registered under the name.
In this embodiment, when the mobile phone of the driver is connected to the bluetooth insurance tag on the vehicle, the insurance app on the mobile phone locks the function of the mobile phone, so that the mobile phone can only use the navigation function and the call function of the vehicle at present.
In this embodiment, the bluetooth insurance tag is preset in a hidden position inside the vehicle for vehicle insurance by an insurance company, and needs to be detached by using a professional tool to prevent being detached by mistake. Particularly, the Bluetooth safety tag is internally arranged in a shell, and devices such as a power supply and the like are also arranged in the shell.
In this embodiment, when the driver leaves the vehicle, the connection between the mobile phone and the bluetooth insurance tag is disconnected, the insurance app on the mobile phone records the position and the state when the bluetooth insurance tag is disconnected, the position track of the mobile phone is used for tracking the record track, and when the driver needs to search the vehicle, the vehicle position is found according to the track recorded by the insurance app on the mobile phone.
The embodiment also provides a method based on the automobile driver insurance identity checking system, which comprises the steps of confirming information of a vehicle and a driver and confirming insurance state;
the information for confirming the vehicle and the driver is specifically as follows: the vehicle presets a Bluetooth insurance label aiming at vehicle insurance by an insurance company in advance, drivers participating in the insurance download and install insurance apps to a mobile phone in advance, and input driver information during registration, and the Bluetooth insurance label and the insurance apps on the mobile phone confirm legal information in advance and determine the legal information as legal equipment; when the mobile phone is connected to a Bluetooth insurance label on the vehicle through Bluetooth, the vehicle information can be identified, and the driver is confirmed to drive the vehicle to belong to the insurance range;
the step of confirming the insurance status specifically comprises: the insurance app on the mobile phone transmits the acquired vehicle information and driver information stored in the mobile phone to the background server, and the background server confirms the legality and insurance business state of the driver after receiving the information; when the driver is in an insurable state, the server prompts the driver to buy insurance again through the insurance app on the mobile phone; when the driver is in an insurance state, confirming the insurance type of the driver; if the vehicle is in an unsafe state and the driver is the owner, the server prompts the driver to purchase insurance through the insurance app on the mobile phone; the vehicle is in a non-insurance state, and the driver is not the owner, the server prompts the driver to carry out single insurance purchase through the insurance app on the mobile phone or prompts the driver to contact the owner to carry out insurance purchase; when the vehicle is in an insurance state and the driver is also in the insurance state, the server prompts the driver to drive to go through the insurance app on the mobile phone.
Preferably, in this embodiment, when the driver is not the owner of the vehicle, the server may further prompt the driver to purchase insurance on a daily basis.
Preferably, in this embodiment, the present invention may use a professional encryption scheme to encrypt the identity information and the like, so as to prevent the identity information from being leaked.
In this embodiment, the method further includes a vehicle position tracking step, specifically: when a driver leaves the vehicle, the connection between the mobile phone and the Bluetooth insurance tag is disconnected, the insurance app on the mobile phone records the position and the state when the Bluetooth insurance tag is disconnected, the position track of the mobile phone is used for tracking and recording the track, and when the driver needs to search the vehicle, the vehicle position is found according to the track recorded by the insurance app on the mobile phone.
Particularly, the method and the system of the embodiment can change the vehicle insurance from the original vehicle to the driver, can determine the specific driver driving the current vehicle in each driving, prompt the driver to buy the insurance for the driver, can track the driver in the determination of responsibility and compensation, and are more fair and accurate.
In particular, insurance for the driver may include strong insurance, business insurance, and other types of value-added insurance for the individual driver.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.
The foregoing is directed to preferred embodiments of the present invention, other and further embodiments of the invention may be devised without departing from the basic scope thereof, and the scope thereof is determined by the claims that follow. However, any simple modification, equivalent change and modification of the above embodiments according to the technical essence of the present invention are within the protection scope of the technical solution of the present invention.