CN108038788A - Inquiry method and device, storage medium, and electronic equipment for insured objects - Google Patents

Abstract

The embodiment of the invention relates to a method and a device for inquiring the price of an insurance object, belonging to the technical field of data processing, wherein the method comprises the following steps: checking the inquiry qualification of the inquiry user according to the policy information of the inquiry user in a first designated time period; after the price inquiring qualification of the price inquiring user passes the verification, verifying the price inquiring qualification of the insurance object according to the price inquiring times of the insurance object in a second appointed time period; and after the inquiry qualification of the insurance object passes the verification, calling an inquiry interface to inquire the insurance price of the insurance object. The method can avoid the overlarge system access amount caused by malicious price inquiry of most users and the economic loss caused by the need of acquiring data from the insurance industry platform, reduce the access burden of the system, improve the price inquiry speed of the users and improve the user experience.

Description

Inquiry method and device, storage medium, and electronic equipment for insured objects

technical field

The embodiments of the present invention relate to the technical field of data processing, and in particular, relate to an insurance applicant inquiry method, an insurance applicant inquiry device, a computer-readable storage medium, and electronic equipment.

Background technique

With the rapid development of e-commerce, electronic insurance policies are becoming more and more widely accepted by users. Among them, the electronic insurance policy on automobile insurance is one of the more commonly used insurance policy services.

The general process of the electronic policy business of auto insurance can include the following steps: first, register users from the electronic insurance platform; then fill in relevant information and submit it to obtain the annual insurance price information of each vehicle. However, the above-mentioned insurance policy business has the following disadvantages: on the one hand, most users only inquire about the specific price, but do not purchase insurance, so it will cause a large access burden to the electronic insurance platform; on the other hand, due to the inquiry interface According to the requirements of the China Insurance Regulatory Commission, it is necessary to connect to the insurance industry platform to obtain data, so every time the data is obtained, a certain fee needs to be paid. If most users frequently make malicious inquiries, the company will suffer certain economic losses.

Therefore, it is necessary to provide a new inquiry method for insured objects.

It should be noted that the information disclosed in the above background technology section is only used to enhance the understanding of the background of the present invention, and therefore may include information that does not constitute prior art known to those of ordinary skill in the art.

Contents of the invention

The object of the present invention is to provide an inquiry method for insurance applicants, an inquiry device for insurance applicants, a computer-readable storage medium, and electronic equipment, so as to overcome the malicious inquiry of users caused by the limitations and defects of related technologies at least to a certain extent The problem of economic loss caused.

An embodiment of the present invention provides an inquiry method for an insured object, including:

Verify the inquiry qualification of the inquiry user according to the policy information of the inquiry user within the first specified time period;

After the inquiry qualification verification of the inquiring user is passed, the inquiry qualification of the insured object is verified according to the number of inquiries of the insured object within the second specified time period;

After the inquiry qualification verification of the insured object is passed, the inquiry interface is invoked to query the insurance price of the insured object.

Optionally, verifying the inquiry qualification of the inquiry user according to the policy information of the inquiry user within the first specified time period is specifically as follows:

judging whether the number of insurance policies that have been inquired but not executed by the inquiring user within the first specified time period satisfies the first specified condition;

When it is judged that the number of insurance policies that have been inquired but not executed by the inquiring user within the first specified time period satisfies the first specified condition, the inquiry qualification verification of the price inquiring user passes.

Optionally, the first time period and the second time period are time periods before the inquiry user receives a price inquiry request including the insurance information of the insurance object, and the second time period longer than the second time period;

The first preset condition is the number of policies submitted by the inquiring user within the first time period that have been inquired but not executed; the second preset condition is that the inquiring user has The number of insurance policies that have been inquired but not executed within the segment; the number of insurance policies that have been inquired but not executed corresponding to the first preset condition is smaller than the number of insurance policies that have been inquired but not executed corresponding to the second preset condition.

Optionally, the first specified time period includes a first time period and a second time period; the first setting condition includes a first preset condition and a second preset condition;

Wherein, the verification of the inquiry qualification of the inquiry user according to the policy information of the inquiry user within the first specified time period is specifically as follows:

judging whether the number of insurance policies that have been inquired but not executed by the inquiring user within the first time period satisfies the first preset condition;

When it is judged that the number of inquired but uncontracted insurance policies of the inquiring user within the first time period satisfies the first preset condition, it is determined that the inquired user has inquired within the second time period Whether the number of policies that are priced but not executed meet the second preset condition;

When it is judged that the number of insurance policies that have been inquired but not executed by the price inquiring user within the second time period satisfies a second preset condition, the price inquiry qualification verification of the price inquiring user passes.

Optionally, the insured object inquiry method further includes:

When it is judged that the number of insurance policies that have been inquired but not executed by the inquiring user within the first time period does not meet the first preset condition, a first prompt message is output.

Optionally, the insured object inquiry method further includes:

When it is judged that the number of insurance policies that have been inquired but not executed by the inquiring user within the second time period does not meet the second preset condition, a second prompt message is output.

Optionally, verifying the inquiry qualification of the insurance applicant according to the number of inquiries of the insurance applicant within the second specified time period is specifically:

judging whether the number of price inquiries of the insured object within the second specified time period satisfies the second specified condition;

When it is judged that the number of price inquiries by the inquiry user within the second specified time period satisfies the second specified condition, the inquiry qualification verification of the insurance applicant passes.

Optionally, the second specified time period includes a third time period and a fourth time period; the second specified condition includes a third preset condition and a fourth preset condition;

Wherein, the verification of the inquiry qualification of the insured object according to the number of inquiries of the insured object within the second specified time period is specifically as follows:

judging whether the number of inquiries of the insured object within the third time period satisfies a third preset condition;

When judging that the number of price inquiries of the insured object within the third time period satisfies a third preset condition, it is determined whether the number of price inquiries of the insured object within the fourth time period meets a fourth preset condition ;

When it is judged that the number of price inquiries of the insurance applicant within the fourth time period satisfies the fourth preset condition, the inquiry qualification verification of the insurance applicant passes.

Optionally, the third time period and the fourth time period are time periods after the inquiring user receives a price query request including the insurance information of the insured object, and the fourth time period is longer than the the third period of time;

The third preset condition is the number of inquiries of the insurance applicant within the third time period; the fourth preset condition is the number of inquiries of the insurance applicant within the fourth time period; The number of inquiries corresponding to the third preset condition is smaller than the number of inquiries corresponding to the fourth preset condition.

Optionally, the insured object inquiry method further includes:

When it is judged that the number of inquiries of the insured object within the third time period does not meet the first preset condition, a third prompt message is output.

Optionally, the insured object inquiry method further includes:

When it is judged that the number of inquiries of the insured object within the fourth time period does not meet the fourth preset condition, a fourth prompt message is output.

Optionally, calling the inquiry interface to inquire about the insurance price of the insured object is as follows:

calling the inquiry interface, and sending a price inquiry request including the insurance information of the insured object to the price inquiry platform;

receiving the premium price information of the insured object fed back by the price consultation platform in response to the price inquiry request.

An embodiment of the present invention provides a price inquiry device for insurance applicants, including:

The user qualification verification module is used to verify the inquiry qualification of the inquiry user according to the policy information of the inquiry user within the first specified time period;

The qualification verification module of the insured object is used to verify the inquiry qualification of the insured object according to the number of inquiries of the insured object within the second specified time period after the inquiry qualification verification of the inquiring user is passed ;

The insurance price inquiry module is used to call the inquiry interface to inquire about the insurance price of the insurance object after the inquiry qualification verification of the insurance object is passed.

An embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the method for inquiring prices for insurance applicants described in any one of the above items is implemented.

An embodiment of the present invention provides an electronic device, including:

processor; and

a memory for storing executable instructions of the processor;

Wherein, the processor is configured to execute the inquiry method for insurance applicants described in any one of the above by executing the executable instructions.

An embodiment of the present invention provides an inquiry method for an insurance applicant, which verifies the inquiry qualification of the inquiry user according to the policy information of the inquiry user within the first specified time period; when the user's inquiry qualification is verified , verify the inquiry qualification of the insured object according to the number of inquiries of the insured object within the second specified time period; when the inquiry qualification verification of the insured object passes, call the inquiry interface to query the insurance price of the insured object ; On the one hand, by first verifying the inquiry qualifications of the inquiry user and the inquiry qualification of the insured object, after the verification of the inquiry qualification of the inquiry user and the inquiry qualification of the insured object has passed, the insured object It can avoid the excessive amount of system visits caused by most users’ malicious inquiries and the economic losses caused by the need to obtain data from the insurance industry platform, which reduces the access burden of the system and improves the speed of users’ price inquiries On the other hand, by setting preset conditions, it avoids the problem that the user cannot operate again due to an operation error during the first inquiry process, further improves the user experience and increases the transaction rate of the policy.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention.

Description of drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description serve to explain the principles of the invention. Apparently, the drawings in the following description are only some embodiments of the present invention, and those skilled in the art can obtain other drawings according to these drawings without creative efforts.

Fig. 1 schematically shows a flow chart of a method for inquiring prices of insurance applicants.

Fig. 2 schematically shows a flow chart of a method for verifying the inquiry qualification of the price inquiry user according to the policy information of the price inquiry user within the first specified time period.

FIG. 3 schematically shows a flow chart of another method for verifying the inquiry qualification of the price inquiry user according to the policy information of the price inquiry user within the first specified time period.

Fig. 4 schematically shows a flow chart of a method for verifying the inquiry qualification of an insurance applicant according to the number of inquiry times of the insurance applicant within a second specified time period.

Fig. 5 schematically shows that the inquiry qualification of the insurance applicant is verified according to the number of inquiry times of the insurance applicant within the second specified time period.

Fig. 6 schematically shows a flow chart of a method for calling the inquiry interface to inquire the insurance price of the insured object

Fig. 7 schematically shows a functional block diagram of an insured object inquiry method.

Fig. 8 schematically shows a flow chart of another inquiry method for insured objects.

Fig. 9 schematically shows a block diagram of an insurance applicant's price inquiry device.

Fig. 10 schematically shows an electronic medium for realizing the above-mentioned inquiry method for insured objects.

Fig. 11 schematically shows a computer-readable storage medium for implementing the above-mentioned inquiry method for insurance applicants.

Detailed ways

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the invention. However, those skilled in the art will appreciate that the technical solution of the present invention may be practiced without one or more of the specific details, or other methods, components, devices, steps, etc. may be adopted. In other instances, well-known technical solutions have not been shown or described in detail to avoid obscuring aspects of the invention.

Furthermore, the drawings are merely schematic illustrations of the invention and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus repeated descriptions thereof will be omitted. Some of the block diagrams shown in the drawings are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities may be implemented in software, or in one or more hardware modules or integrated circuits, or in different network and/or processor means and/or microcontroller means.

In this exemplary embodiment, a method for inquiring prices of insurance applicants is firstly provided, which can run on servers, server clusters, or cloud servers, etc.; of course, those skilled in the art can also run the method of the present invention on other platforms according to requirements. This is not specifically limited in the exemplary embodiments. Referring to Figure 1, the inquiry method for the insured may include the following steps:

Step S110. Verifying the price inquiry qualification of the price inquiry user according to the policy information of the price inquiry user within the first specified time period.

Step S120. After the price inquiry user's price inquiry qualification verification is passed, verify the price inquiry qualification of the insurance applicant according to the number of price inquiries of the insurance applicant within the second specified time period.

Step S130. After the verification of the inquiry qualification of the insured object is passed, call the inquiry interface to inquire about the insurance price of the insured object.

In the above inquiry method for insured objects, on the one hand, by first verifying the inquiry qualifications of the inquiry user and the inquiry qualifications of the insured object, when the verification of the inquiry qualifications of the inquiring user and the inquiry qualifications of the insured object Inquiry about the price of the insured object after all pass, can avoid the excessive amount of system access caused by most users’ malicious inquiry and the economic loss caused by the need to obtain data from the insurance industry platform, reduce the access burden of the system and improve the The speed at which users inquire about prices improves the user experience; on the other hand, by setting preset conditions, it avoids the problem that users cannot operate again because of mistakes in the first inquiry process.

Next, a detailed explanation and description will be given to the above-mentioned inquiry method of the insured object in this exemplary embodiment.

Fig. 2 is a flow chart of a method for verifying the inquiry qualification of an inquiry user according to the policy information of the inquiry user within a first specified time period. in:

In step S210, it is judged whether the number of insurance policies that have been inquired but not executed by the inquiring user within the first specified time period satisfies the first specified condition. In detail:

The price inquiring user can be determined by obtaining the identification information of the price inquiring user, wherein the identification information can include the member ID, email address, or mobile phone number of the price inquiring user, which is not particularly limited in this example. After the price inquiring user is determined, it can be judged according to the above identification information whether the number of insurance policies that have been inquired but not executed by the price inquiring user within the first specified time period meets the preset condition.

In step S220, when it is judged that the number of insurance policies that have been inquired but not executed by the inquiring user within the first specified time period satisfies the first specified condition, the inquiry qualification of the inquiring user is updated. passed the test. For example:

When the number of inquired but uncontracted policies of the inquiring user within the first specified time period does not meet the first specified condition, the inquiry qualification verification of the inquiring user fails, at this time, the inquiring user The first specified condition can be met by changing the number of insurance policies that have been inquired but not executed within the first specified time period.

Fig. 3 is a flow chart of another method for verifying the inquiry qualification of the price inquiry user according to the policy information of the price inquiry user within the first specified time period. Wherein: the first specified time period may include a first preset time period and a second preset time period, and the first time period and the second time period are when the inquiring user receives the insurance application information including the insured object The time period before the price query request, and the second time period is longer than the second time period; the first specified condition may include the first preset condition and the second preset condition, the first preset condition is that the inquiring user The number of insurance policies that have been inquired but not executed within a time period; the second preset condition is the number of insurance policies that have been inquired but not executed by the inquiring user within the second time period; The number of inquired but not executed insurance policies is smaller than the number of inquired but not executed insurance policies corresponding to the second preset condition. As shown in Figure 3, the method may include the following steps:

In step S310, it is judged whether the number of insurance policies that have been inquired by the inquiring user but not executed within the first time period satisfies a first preset condition. For example:

According to the identification information of the inquiring user, the prices that have been inquired but not completed by the inquiring user in the first time period (for example, one day, two days or three days, which is not specifically limited in the embodiment of the present invention) are obtained. Whether the number of insurance policies (the number of vehicles that have been inquired but not sold) satisfies the first preset condition (for example, less than 3 (units), or 4 (units), the embodiment of the present invention does not make special restrictions on this ). In addition, other conditions can also be used to determine whether the number of policies that have been inquired but not executed by the inquiring user within the first time period meets the first preset condition, for example, it can be the number of visits to the system in the first preset time period Etc., this embodiment of the present invention does not specifically limit this.

In step S320, when it is judged that the number of policies that have been inquired but not executed by the inquiring user within the first time period satisfies the first preset condition, it is judged that the price inquiring user is within the second time period Whether the number of insurance policies that have been inquired but not executed in the segment meets the second preset condition. For example:

When the number of inquired but uncontracted insurance policies of the inquiring user in the first time period satisfies the first preset condition, it can be further judged that the inquiring user is in the second time period (for example, within one month, it can also be 40 Within days, the embodiment of the present invention does not specifically limit this), whether the number of insurance policies that have been inquired but not executed (the number of vehicles that have been inquired but not executed) meets the second preset condition (for example, less than 5 or units, It can also be 6 sheets or tables, which is not specifically limited in this embodiment of the present invention).

It should be noted that the second time period is greater than the first time period, so as to further verify the inquiry qualification of the user by tightening the judgment conditions.

Further, when the number of insurance policies that the inquiring user has inquired but has not been executed exceeds 3 times within the first time period, the inquiring user may be reminded, specifically, it may include: after judging that the inquiring user is in the When the number of insurance policies that have been inquired but not executed within the first time period does not meet the first preset condition, a first prompt message is output. For example:

When the number of inquired but not executed policies by the inquiring user in the first time period exceeds 3 times, it is judged that the number of inquired but not executed insurance policies by the inquiring user in the first time period does not meet the first preset condition, the first prompt information can be output, and the first prompt information can include: you have insured vehicles today and there are still X vehicles that have not been paid, please verify whether to continue to insure other vehicles; further, when the inquiring user is within the first time period When the number of insurance policies that have been inquired but not executed exceeds 2 times, prompt information can also be output, for example, it can be: the number of vehicles you can inquire today can also include X units, please check whether to continue the next inquiry, etc., the present invention The embodiment makes no special limitation on this.

In step S330, when it is judged that the number of insurance policies that have been inquired but not executed by the inquiring user within the second time period satisfies the second preset condition, the inquiry qualification verification of the inquiring user passes . For example:

When the number of inquired but uncontracted insurance policies (the number of inquired but uncontracted vehicles) of the inquiring user in the second time period (within one month) is 4 or 5 (units), the inquiring user can be judged The number of insurance policies that have been inquired but not executed within the second time period satisfies the second preset condition; therefore, it can be considered that the inquiry qualification verification of the inquiring user has passed. Further, on the basis of judging that the number of inquired but unexecuted insurance policies of the inquiring user in the first time period meets the first preset condition, the inquired but unexecuted policy quantity of the inquiring user in the second time period Judging whether the number of uncontracted policies satisfies the second preset condition can exclude some malicious inquiring users and reduce the burden on the system.

Further, when the number of inquired but uncontracted insurance policies of the inquiring user exceeds 5 times within the second time period, the inquiring user may be reminded, which specifically may include: after judging that the inquiring user is in the When the number of insurance policies that have been inquired but not executed within the second time period does not meet the second preset condition, a second prompt message is output. For example:

When the number of inquired but not executed policies by the inquiring user in the second time period exceeds 5 times, it is judged that the inquired but not executed insurance policies of the inquiring user in the second time period do not meet the second preset conditions, the second prompt information can be output, and the second prompt information can include: you have recently insured vehicles and there are still X vehicles that have not been paid, please verify whether to continue to insure other vehicles; further, when the inquiring user is within the second time period When the number of insurance policies that have been inquired but not executed exceeds 4 times, prompt information can also be output, for example, it can be: the number of vehicles that you can inquire recently can also include X units, please check whether to continue the next inquiry, etc., the present invention The embodiment makes no special limitation on this.

Fig. 4 is a flow chart of a method for verifying the inquiry qualification of an insurance applicant according to the number of inquiry times of the insurance applicant within a second specified time period. in:

In step S410, it is judged whether the number of price inquiries of the insured object within the second specified time period satisfies a second specified condition. In detail:

When the inquiring user's inquiry qualification verification is passed, according to the same insured object corresponding to the insurance policy information submitted by the inquiring user (you can check whether they belong to the same insured object according to the frame number, license plate number and engine number on the policy information Judging) judging whether the number of price inquiries of the insured object within the second designated time period satisfies the second designated condition. What needs to be supplemented here is that the insured object can be obtained through the policy information before verifying the user's inquiry qualification, or can be obtained through the policy information after verifying the user's inquiry qualification. There are no special restrictions here.

In step S420, when it is judged that the number of price inquiries by the inquiry user within the second specified time period satisfies the preset condition, the inquiry qualification verification of the insurance applicant passes. In detail:

When the number of inquiries of the insured object within the third specified time period does not meet the third pre-specified conditions, the inquiry qualification verification of the insured object fails. At this time, the insured object can change its third specified The mode of the number of inquiries within the time period satisfies the third specified condition.

Fig. 5 is a flow chart of another method for verifying the inquiry qualification of the insurance applicant according to the number of inquiry times of the insurance applicant within the second specified time period. Wherein: the second designated time period may include a third preset time period and a fourth preset time period, and the third time period and the fourth time period are when the inquiring user receives the price query including the insurance information of the insured object A time period after the request, and the fourth time period is longer than the third time period; the second specified condition may include a third preset condition and a fourth preset condition, and the third preset condition is that the insured object The number of inquiries within the three time periods; the fourth preset condition is the number of inquiries of the insured object within the fourth time period; the number of inquiries corresponding to the third preset condition is smaller than the number of inquiries corresponding to the fourth preset condition. As shown in Figure 5, the method may include the following steps:

In step S510, it is judged whether the number of price inquiries of the insured object within the third time period satisfies a third preset condition. For example:

According to whether the number of inquiries of the insured object in the third time period (for example, one day, or two days or three days, etc., which is not particularly limited in the embodiment of the present invention) satisfies the third preset condition (for example, Less than 12 times can also be 14 times or 15 times, which is not specifically limited in the embodiment of the present invention), to determine whether the number of inquiries of the insured object within the third time period meets the first preset condition. In addition, other conditions can also be used to determine whether the number of inquiries of the insured object within the third time period meets the third preset condition, for example, it can be the average number of inquiries per day, etc., and the embodiment of the present invention does not do this special restrictions.

In step S520, when it is judged that the number of inquiries of the insured object within the third time period satisfies the third preset condition, it is determined whether the number of inquiries of the insured object within the fourth time period satisfies The fourth precondition. For example:

When the number of inquiries of the insured object in the third time period satisfies the third preset condition; The embodiment of the invention does not make special restrictions on this), whether the number of inquiries meets the fourth preset price adjustment (for example, less than 24 times can also be 28 times or 30 times, the embodiment of the invention does not make special restrictions on this), to judge Whether the number of inquiries of the insured object within the fourth time period satisfies the fourth preset condition.

It should be noted that the fourth time period is greater than the third time period, so that the inquiry qualification of the insured object can be further verified by tightening the judgment conditions.

Further, when the number of inquiries of the insurance applicant exceeds 12 times within the third time period, the user may be reminded, which may specifically include: When the third preset condition is not met, a third prompt message is output. For example:

When the number of inquiries of the same insured object in the third time period exceeds 12 times, it is judged that the number of inquired prices of the insured object in the third time period does not meet the third preset condition, and the third prompt message can be output, and the third The prompt information can include: the number of inquiries on the platform of your insured vehicle has reached M times today, and N inquiries can be made; further, when the number of inquiries of the insured object exceeds 10 times in the third time period, a prompt can also be output The information, for example, can be: the number of inquiries on the platform of your insured vehicle has reached 10 today, and there are still 2 inquiries available. Please confirm whether to make the next inquiry, which is not particularly limited in the embodiment of the present invention.

In step S530, when it is judged that the number of price inquiries of the insurance applicant within the fourth time period satisfies a fourth preset condition, the inquiry qualification verification of the insurance applicant passes. For example:

When the number of inquiries of the insured object in the fourth time period (within one month) is 22 or 24 times, it can be judged that the number of inquiries of the insured object in the fourth time period meets the fourth preset condition; When the number of price inquiries within the fourth time period satisfies the fourth preset condition, it can be confirmed that the price inquiry qualification verification of the insured object has passed. Further, on the basis of judging that the number of inquiries of the insured object in the third time period satisfies the third preset condition, then check whether the number of inquiries of the insured object in the fourth time period satisfies the fourth preset condition Judging, users who maliciously inquire can be further excluded, further reducing the burden on the system and saving expenses.

Further, when the number of inquiries of the insured object within the fourth time period exceeds 24 times, the user may be reminded, which specifically may include: When the fourth preset condition is not met, a fourth prompt message is output. For example:

When the number of inquiries of the same insured object in the fourth time period exceeds 24 times, it is judged that the number of inquired prices of the insured object in the fourth time period does not meet the fourth preset condition, and the fourth prompt message can be output. The prompt information may include: the number of inquiries on the platform of your insured vehicle has reached A times recently, and B inquiries can be made; further, when the insured object has more than 20 inquiries in the fourth time period, a prompt can also be output The information, for example, can be: the vehicle you have insured has recently been queried 20 times on the platform, and 4 more inquiries can be made. Please confirm whether to make the next inquiry, which is not specifically limited in the embodiment of the present invention.

Fig. 6 is a flow chart of a method for invoking an inquiry interface to inquire about the insurance price of the insured object. in:

In step S610, the price inquiry interface is invoked, and a price inquiry request including the insurance information of the insured object is sent to the price consultation platform. In detail:

Referring to Fig. 7, when the inquiry qualification verification of the insured object is passed, the insurance service system 801 is used to call the inquiry interface, and then the price inquiry request including the insurance information of the insured object is sent to the price consultation platform 702; After receiving the price inquiry request including the insurance application information, the platform 702 inquires about the premium price information of the insured object, and sends the inquired premium price information to the insurance service system 701 .

In step S620, the premium price information of the insured object fed back by the price consultation platform in response to the price inquiry request is received. In detail:

Continuing to refer to Fig. 7, after the insurance service system 701 receives the premium price information fed back by the price consultation platform 702 in response to the above-mentioned price query request, the premium price information is then sent to the user's client 703 (such as a mobile terminal, etc. etc.) to enable the user to view the query result, and apply insurance to the insured object according to the query result.

In the following, the above-mentioned inquiry method for insurance applicants in this exemplary embodiment will be explained and illustrated in combination with specific application scenarios.

Referring to FIG. 8, step S801 is to obtain the identification information corresponding to the inquiry user;

Step S802, according to the identification information, it is judged whether the number of insurance policies that have been inquired by the inquiring user but not executed within the first time period meets the first preset condition (≤3); if the first preset condition is met, jump to Go to step S804; if the first preset condition is not met, go to step S803;

Step S803, output the first prompt message: You have purchased X vehicles for insurance today and have not yet paid for them, please check whether you want to continue to purchase insurance for other vehicles;

S804, judging whether the number of insurance policies that have been inquired but not executed by the inquiring user within the second time period meets the second preset condition ((≤5)); if the second preset condition is met, jump to step S806 ; When the second preset condition is not met, jump to step S805;

Step S805, outputting a second prompt message: You have recently insured vehicles and there are still X vehicles that have not been paid, please check whether to continue to insure other vehicles;

Step S806, acquiring the insured object corresponding to the policy information;

Step S807, judging whether the number of inquiries of the insured object within the third time period meets the third preset condition (≤12 times); if the third preset condition is met, jump to step S809; if the third preset condition is not met , skip to step S808;

Step S808, output the third prompt message: the number of queries on the platform of your insured vehicle has reached M times today, and N times of queries are still available;

Step S809, judging whether the number of inquiries of the insured object within the fourth time period meets the fourth preset condition (≤24 times); if the fourth preset condition is met, jump to step S811; if the third preset condition is not met , skip to step S810;

Step S810, the fourth prompt message is output: the number of recent platform inquiries of your insured vehicle has reached A times, and B times of inquiries are still available;

Step S811, query the premium price information of the insured object and feed it back to the client.

The embodiment of the present invention also provides a price inquiry device for insurance applicants. Referring to FIG. 9 , the apparatus for inquiring prices for insurance applicants may include a user qualification verification module 910 , an insurance applicant qualification verification module 920 and an insurance price inquiry module 930 . in:

The user qualification verification module 910 may be configured to verify the inquiry qualification of the price inquiry user according to the policy information of the price inquiry user within the first specified time period.

The insurance applicant qualification verification module 920 can be used to verify the inquiry qualification of the insurance applicant according to the number of inquiries of the insurance applicant within the second specified time period after the inquiry user's inquiry qualification verification is passed. test.

The insurance price inquiry module 930 may be configured to call an inquiry interface to inquire about the insurance price of the insured object after the inquiry qualification verification of the insured object is passed.

The specific details of each module in the above-mentioned insured object inquiry device have been described in detail in the corresponding insured object inquiry method, so details will not be repeated here.

It should be noted that although several modules or units of the device for action execution are mentioned in the above detailed description, this division is not mandatory. Actually, according to the embodiment of the present invention, the features and functions of two or more modules or units described above may be embodied in one module or unit. Conversely, the features and functions of one module or unit described above can be further divided to be embodied by a plurality of modules or units.

In addition, although the steps of the methods of the present invention are described in a particular order in the drawings, this does not require or imply that the steps must be performed in that particular order, or that all illustrated steps must be performed to achieve the desired result. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step for execution, and/or one step may be decomposed into multiple steps for execution, etc.

Through the description of the above implementations, those skilled in the art can easily understand that the example implementations described here can be implemented by software, or by combining software with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, and the software product can be stored in a non-volatile storage medium (which can be a CD-ROM, U disk, mobile hard disk, etc.) or on a network , including several instructions to make a computing device (which may be a personal computer, server, mobile terminal, or network device, etc.) execute the method according to the embodiment of the present invention.

In an exemplary embodiment of the present invention, an electronic device capable of implementing the above method is also provided.

Those skilled in the art can understand that various aspects of the present invention can be implemented as systems, methods or program products. Therefore, various aspects of the present invention can be embodied in the following forms, that is: a complete hardware implementation, a complete software implementation (including firmware, microcode, etc.), or a combination of hardware and software implementations, which can be collectively referred to herein as "circuit", "module" or "system".

An electronic device 1000 according to this embodiment of the present invention is described below with reference to FIG. 10 . The electronic device 1000 shown in FIG. 10 is only an example, and should not limit the functions and scope of use of this embodiment of the present invention.

As shown in FIG. 10, electronic device 1000 takes the form of a general-purpose computing device. Components of the electronic device 1000 may include but not limited to: at least one processing unit 1010 mentioned above, at least one storage unit 1020 mentioned above, and a bus 1030 connecting different system components (including the storage unit 1020 and the processing unit 1010 ).

Wherein, the storage unit stores program codes, and the program codes can be executed by the processing unit 1010, so that the processing unit 1010 executes various exemplary methods according to the present invention described in the "Exemplary Methods" section of this specification. Implementation steps. For example, the processing unit 1010 may perform step S110 as shown in FIG. After the inquiry user's inquiry qualification verification is passed, the inquiry qualification of the insured object is verified according to the number of inquiries of the insured object within the second specified time period; Step S130: when the insured object's inquiry After the qualification verification is passed, call the price inquiry interface to query the insurance price of the insured object.

The storage unit 1020 may include a readable medium in the form of a volatile storage unit, such as a random access storage unit (RAM) 10201 and/or a cache storage unit 10202 , and may further include a read-only storage unit (ROM) 10203 .

The storage unit 1020 may also include a program/utility 10204 having a set (at least one) of program modules 10205, such program modules 10205 including but not limited to: an operating system, one or more application programs, other program modules, and program data, Implementations of networked environments may be included in each or some combination of these examples.

Bus 1030 may represent one or more of several types of bus structures, including a memory cell bus or memory cell controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local area using any of a variety of bus structures. bus.

The electronic device 1000 can also communicate with one or more external devices 1100 (such as keyboards, pointing devices, Bluetooth devices, etc.), and can also communicate with one or more devices that enable the user to interact with the electronic device 1000, and/or communicate with Any device (eg, router, modem, etc.) that enables the electronic device 1000 to communicate with one or more other computing devices. Such communication may occur through input/output (I/O) interface 1050 . Moreover, the electronic device 1000 can also communicate with one or more networks (such as a local area network (LAN), a wide area network (WAN) and/or a public network such as the Internet) through the network adapter 1060 . As shown, the network adapter 1060 communicates with other modules of the electronic device 1000 through the bus 1030 . It should be appreciated that although not shown, other hardware and/or software modules may be used in conjunction with electronic device 1000, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives And data backup storage system, etc.

Through the description of the above implementations, those skilled in the art can easily understand that the example implementations described here can be implemented by software, or by combining software with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, and the software product can be stored in a non-volatile storage medium (which can be a CD-ROM, U disk, mobile hard disk, etc.) or on a network , including several instructions to make a computing device (which may be a personal computer, server, terminal device, or network device, etc.) execute the method according to the embodiment of the present invention.

In an exemplary embodiment of the present invention, a computer-readable storage medium is also provided, on which a program product capable of implementing the above-mentioned method in this specification is stored. In some possible implementations, various aspects of the present invention can also be implemented in the form of a program product, which includes program code, and when the program product is run on a terminal device, the program code is used to make the The terminal device executes the steps according to various exemplary embodiments of the present invention described in the "Exemplary Method" section above in this specification.

As shown in FIG. 11 , a program product 1110 for realizing the above method according to an embodiment of the present invention is described, which can adopt a portable compact disk read-only memory (CD-ROM) and include program codes, and can be used in terminal equipment, For example running on a personal computer. However, the program product of the present invention is not limited thereto. In this document, a readable storage medium may be any tangible medium containing or storing a program, and the program may be used by or in combination with an instruction execution system, apparatus or device.

The program product may reside on any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or any combination thereof. More specific examples (non-exhaustive list) of readable storage media include: electrical connection with one or more conductors, portable disk, hard disk, random access memory (RAM), read only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

A computer readable signal medium may include a data signal carrying readable program code in baseband or as part of a carrier wave. Such propagated data signals may take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. A readable signal medium may also be any readable medium other than a readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device.

Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

Program code for carrying out the operations of the present invention may be written in any combination of one or more programming languages, including object-oriented programming languages—such as Java, C++, etc., as well as conventional procedural programming languages. Programming language - such as "C" or a similar programming language. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server to execute. In cases involving a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (e.g., using an Internet service provider). business to connect via the Internet).

In addition, the above-mentioned figures are only schematic illustrations of the processes included in the method according to the exemplary embodiments of the present invention, and are not intended to be limiting. It is easy to understand that the processes shown in the above figures do not imply or limit the chronological order of these processes. In addition, it is also easy to understand that these processes may be executed synchronously or asynchronously in multiple modules, for example.

Other embodiments of the invention will be readily apparent to those skilled in the art from consideration of the specification and practice of the invention invented herein. This application is intended to cover any modification, use or adaptation of the present invention, these modifications, uses or adaptations follow the general principles of the present invention and include common knowledge or conventional technical means in the technical field not invented by the present invention . The specification and examples are to be considered exemplary only, with the true scope and spirit of the invention indicated by the appended claims.

Claims (12)

1. The object price inquiry method 1. one kind is insured, it is characterised in that including：

   Verified according to inquiry qualification of policy information of the inquiry user in the first specified time section to the user that inquires the price；

   After the inquiry qualification verification of the inquiry user passes through, according to inquiry time of the object in the second specified time section of insuring Several inquiry qualifications to the object of insuring verify；

   When the object of insuring inquiry qualification verification pass through after, call inquiry interface to the object of insuring insure price into Row inquiry.
2. 2. object price inquiry method according to claim 1 of insuring, it is characterised in that according to inquiry user when first specifies Between inquiry qualification of the policy information to the user that inquires the price in section verified specially：

   Judge whether the declaration form quantity having inquired the price but do not strike a bargain of the inquiry user in first specified time section meets First specified requirements；

   Judge it is described inquiry user first specified time section in the declaration form quantity inquired the price but do not struck a bargain meet institute When stating the first specified requirements, the inquiry qualification verification of the inquiry user passes through.
3. 3. object price inquiry method according to claim 2 of insuring, it is characterised in that first specified time section includes the One period and second time period；First specified requirements includes the first preset condition and the second preset condition；

   Wherein, carried out according to policy information inquiry qualification to the inquiry user of the inquiry user in the first specified time section Verification is specially：

   Judge inquiry user's having inquired the price in the first time period but whether the declaration form quantity not struck a bargain meets first Preset condition；

   It is pre- in the declaration form quantity satisfaction first for judging inquiry user's having inquired the price in the first time period but not striking a bargain If during condition, judge inquiry user's having inquired the price in the second time period but whether the declaration form quantity not struck a bargain meets Second preset condition；

   It is pre- in the declaration form quantity satisfaction second for judging inquiry user's having inquired the price in the second time period but not striking a bargain If during condition, the inquiry qualification verification of the inquiry user passes through.
4. 4. object price inquiry method according to claim 3 of insuring, it is characterised in that the first time period and described Two periods were the inquiry user before the price queries for receiving the information of insuring including the object of insuring are asked Period, and the second time period is longer than second time period；

   The guarantor to have inquired the price but do not strike a bargain that first preset condition is submitted for the inquiry user in the first time period Odd number amount；The declaration form number having inquired the price but do not strike a bargain of second preset condition for the inquiry user in second time period Amount；The corresponding declaration form quantity inquired the price but do not struck a bargain of first preset condition has been inquired the price less than the second preset condition is corresponding But the declaration form quantity not struck a bargain.
5. 5. object price inquiry method according to claim 3 of insuring, it is characterised in that the object price inquiry method of insuring also wraps Include：

   Judging inquiry user's having inquired the price in the first time period but the declaration form quantity that does not strike a bargain is unsatisfactory for first During preset condition, the first prompt message is exported.
6. 6. object price inquiry method according to claim 3 of insuring, it is characterised in that the object price inquiry method of insuring also wraps Include：

   Judging inquiry user's having inquired the price in the second time period but the declaration form quantity that does not strike a bargain is unsatisfactory for second During preset condition, the second prompt message is exported.
7. 7. object price inquiry method according to claim 1 of insuring, it is characterised in that second specified time section includes the Three periods and the 4th period；Second specified requirements includes the 3rd preset condition and the 4th preset condition；

   According to insuring, inquiry qualification of inquiry number of the object in the second specified time section to the object of insuring verifies Specially：

   Whether inquiry number of the object within the 3rd period of insuring described in judgement meets the 3rd preset condition；

   When inquiry number of the object within the 3rd period of insuring described in judgement meets three preset conditions, described in judgement Whether inquiry number of the object within the 4th period of insuring meets the 4th preset condition；

   It is described to insure when inquiry number of the object within the 4th period of insuring described in judgement meets four preset conditions The inquiry qualification verification of object passes through.
8. 8. object price inquiry method according to claim 7 of insuring, it is characterised in that the 3rd period and when the 4th Between section for it is described inquiry user receive the information of insuring including the object of insuring price queries ask after time Section, and the 4th period be longer than the 3rd period；

   3rd preset condition is the inquiry number of the object within the 3rd period of insuring；Described 4th default article Part is the inquiry number of the object within the 4th period of insuring；The corresponding number of inquiring the price of 3rd preset condition is small In the corresponding inquiry number of the 4th preset condition.
9. 9. object price inquiry method according to claim 1 of insuring, it is characterised in that call inquiry interface to insure pair to described The price of insuring of elephant is inquired about specially：

   The inquiry interface is called, the price queries request of the information of insuring including the object of insuring is sent to price and is seeked advice from Platform；

   Receive the premium pricing information that the price consultation platform responds the object of insuring of the price queries request feedback.
10. The object inquiry device 10. one kind is insured, it is characterised in that including：

    User qualification correction verification module, for according to policy information of the inquiry user in the first specified time section to inquiry user Inquiry qualification is verified；

    Insure object qualification correction verification module, for after the inquiry qualification verification of the inquiry user passes through, according to object of insuring Inquiry qualification of the inquiry number to the object of insuring in the second specified time section verifies；

    Insure price queries module, after the inquiry qualification verification for object of insuring described in passes through, call inquiry interface to institute The price of insuring for stating object of insuring is inquired about.
11. 11. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the computer program Realize that claim 1-9 any one of them is insured object price inquiry method when being executed by processor.
12. 12. a kind of electronic equipment, it is characterised in that including：

    Processor；And

    Memory, for storing the executable instruction of the processor；

    Wherein, the processor is configured to carry out perform claim requirement 1-9 any one of them via the execution executable instruction Insure object price inquiry method.