CN112767174B

CN112767174B - Method, device, terminal, server and storage medium for vehicle insurance

Info

Publication number: CN112767174B
Application number: CN201911002747.XA
Authority: CN
Inventors: 周腾骏; 陈贤博; 张文涛; 桂晓伟; 黄逸; 郑国弘; 陈冲
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-10-21
Filing date: 2019-10-21
Publication date: 2023-08-18
Anticipated expiration: 2039-10-21
Also published as: CN112767174A

Abstract

The application discloses a vehicle insurance method, a device, a terminal, a server and a storage medium, and belongs to the technical field of Internet. The method comprises the following steps: when the vehicle is detected to drive into a specified road, a first notification message for starting to record the insurance guarantee time of the vehicle is sent to the social application server, and each user on the vehicle enjoys the guarantee in the insurance guarantee time; when the vehicle is detected to leave the specified road, a second notification message for stopping recording the insurance guarantee time of the vehicle is sent to the social application server, and after the numerical transfer is performed based on the insurance guarantee time, an insurance policy generation request is sent to the insurance server, so that the insurance server sends insurance policy information generated for the vehicle to the terminal. According to the application, the vehicle is automatically ensured when the vehicle enters the specified road, so that each user on the vehicle enjoys the guarantee, and when the vehicle exits the specified road, the corresponding premium is deducted according to the recorded insurance guarantee time, thereby well achieving the expected insurance effect of insurance.

Description

Method, device, terminal, server and storage medium for vehicle insurance

Technical Field

The present application relates to the field of internet technologies, and in particular, to a method, an apparatus, a terminal, a server, and a storage medium for vehicle insurance.

Background

In recent years, vehicles are becoming popular throughout the world, and roads such as highways are widely spread throughout the country, and many users often choose to drive the vehicles for traveling, however, when driving or riding the vehicles on roads such as highways, the vehicles may have accidents, and in order to reduce the loss caused by the accidents, the vehicles may be protected.

At present, the modes of vehicle insurance are as follows: before driving the vehicle to go out, the insurance applicant applies insurance to the insured person in a pay-per-year mode, and the insured person can enjoy the insurance when driving or riding the vehicle to go out within the effective year of the insurance.

However, in the case of an accident of the vehicle, the person on the vehicle may not be the insured person of the vehicle, and the person in the accident cannot enjoy the insurance, so that the existing vehicle insurance mode is difficult to achieve the expected insurance effect.

Disclosure of Invention

In order to solve the problems of the related art, the embodiment of the application provides a method, a device, a terminal, a server and a storage medium for vehicle insurance. The technical scheme is as follows:

In one aspect, a method of vehicle insurance is provided, the method comprising:

a first notification message is sent to a social application server, wherein the first notification message is sent when a vehicle is detected to drive into a specified road under the scene of having opened an unauthorized application service, the first notification message is used for the social application server to start recording the insurance guarantee time when the vehicle runs on the specified road, and each user on the vehicle enjoys guarantee within the insurance guarantee time;

a second notification message is sent to the social application server, wherein the second notification message is sent when the vehicle is detected to drive out of the specified road, the second notification message is used for stopping recording the insurance guarantee time when the vehicle runs on the specified road by the social application server, carrying out numerical transfer based on the recorded insurance guarantee time, sending a policy generation request to an insurance server when a numerical transfer success message is generated, and the policy generation request is used for the insurance server to generate policy information for the vehicle and sending the policy information to a terminal;

and receiving the policy information sent by the insurance server.

In another aspect, a method of vehicle insurance is provided, the method comprising:

when a first notification message sent by a terminal is received, starting to record the insurance guarantee time when a vehicle runs on a specified road, wherein the first notification message is sent when the terminal detects that the vehicle runs on the specified road under the scene of having opened an unauthorized insurance application service, and each user on the vehicle enjoys the guarantee within the insurance guarantee time;

when a second notification message sent by the terminal is received, stopping recording the insurance guarantee time when the vehicle runs on the appointed road;

performing numerical value transfer according to the recorded insurance guarantee time;

and when a value transfer success message is generated, sending a policy generation request to an insurance server, wherein the policy generation request is used for generating policy information for the vehicle by the insurance server, and sending the policy information to the terminal.

receiving a policy generation request sent by a social application server, wherein the policy generation request is sent when a value transfer success message is generated by carrying out value transfer based on recorded insurance guarantee time under the scene that the terminal opens an unauthorized application service by the social application server, and each user on the vehicle enjoys the guarantee within the insurance guarantee time;

Generating policy information based on the policy generation request;

and sending the policy information to the terminal.

In another aspect, there is provided an apparatus for vehicle insurance, the apparatus comprising:

the system comprises a sending module, a social application server and a storage module, wherein the sending module is used for sending a first notification message to the social application server, the first notification message is sent when a vehicle is detected to drive into a specified road under the scene that an unauthorized application service is already started, the first notification message is used for the social application server to start recording the insurance guarantee time when the vehicle runs on the specified road, and each user on the vehicle enjoys guarantee within the insurance guarantee time;

the sending module is configured to send a second notification message to the social application server, where the second notification message is sent when the social application server detects that the vehicle exits the specified road, the second notification message is used for stopping recording an insurance guarantee time when the vehicle travels on the specified road, performing value transfer based on the recorded insurance guarantee time, and sending a policy generation request to an insurance server when a value transfer success message is generated, where the policy generation request is used for the insurance server to generate policy information for the vehicle, and sending the policy information to a terminal;

And the receiving module is used for receiving the policy information sent by the insurance server.

the system comprises a recording module, a first notification module and a second notification module, wherein the recording module is used for starting to record the insurance guarantee time when a vehicle runs on a specified road when receiving a first notification message sent by a terminal, the first notification message is sent when the terminal detects that the vehicle runs on the specified road under the scene of having opened an unauthorized application service, and each user on the vehicle enjoys the guarantee within the insurance guarantee time;

the recording module is used for stopping recording the insurance guarantee time when the vehicle runs on the appointed road when receiving the second notification message sent by the terminal;

the numerical value transfer module is used for carrying out numerical value transfer according to the recorded insurance guarantee time;

and the sending module is used for sending a policy generation request to an insurance server when the numerical value transfer success message is generated, wherein the policy generation request is used for generating policy information for the vehicle by the insurance server and sending the policy information to the terminal.

The system comprises a receiving module, a security policy generation module and a security policy generation module, wherein the receiving module is used for receiving a security policy generation request sent by a social application server, the security policy generation request is sent when the social application server carries out value transfer based on recorded insurance guarantee time to generate a value transfer success message in a scene that a terminal opens unauthorized application service, and each user on a vehicle enjoys guarantee within the insurance guarantee time;

the information generation module is used for generating the policy information based on the policy generation request;

and the sending module is used for sending the policy information to the terminal.

In another aspect, a terminal is provided that includes a processor and a memory having at least one program code stored therein, the at least one program code loaded and executed by the processor to implement the method of vehicle insurance of the aspect.

In another aspect, a server is provided that includes a processor and a memory having at least one program code stored therein, the at least one program code loaded and executed by the processor to implement the method of vehicle insurance of another aspect.

In another aspect, a computer readable storage medium having stored therein at least one program code loaded and executed by a processor to implement a method of vehicle insurance as described in one aspect, or a method of vehicle insurance as described in another aspect, is provided.

The technical scheme provided by the embodiment of the application has the beneficial effects that:

when the vehicle drives into the appointed road, corresponding premium is deducted according to the recorded insurance guarantee time, and each user on the vehicle can enjoy the guarantee by adopting the unnamed insurance mode, so that the expected insurance effect of insurance is well achieved. In addition, the insurance application mode does not need the user to actively purchase insurance products before the vehicle drives into the specified road, and is simple and quick. Moreover, insurance belongs to service type products, and by adopting the insurance application mode, the user is prevented from being in a state of paying first and enjoying guarantee for a long time, and the experience effect of the user is improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic illustration of an implementation environment involved in a method of vehicle insurance provided by an embodiment of the present application;

FIG. 2 is a schematic illustration of another implementation environment involved in a method of vehicle insurance provided by an embodiment of the present application;

FIG. 3 is a flow chart of a method for vehicle insurance provided by an embodiment of the present application;

FIG. 4 is a schematic diagram of a vehicle pass secret payment-free interface provided by an embodiment of the present application;

FIG. 5 is a schematic illustration of an insurance details interface provided by an embodiment of the present application;

FIG. 6 is a schematic diagram of a policy filling interface provided by an embodiment of the present application;

FIG. 7 is a schematic diagram of an unauthorized application validation interface provided by an embodiment of the present application;

FIG. 8 is a schematic diagram of an unauthorized opening success interface provided by an embodiment of the present application;

FIG. 9 is a flowchart of the provisioning of an unlicensed application service provided by an embodiment of the present application;

FIG. 10 is a schematic illustration of an insuring vehicle detail interface provided by an embodiment of the application;

FIG. 11 is a flowchart of generating policy information according to an embodiment of the present application;

FIG. 12 is a schematic view of a device for vehicle insurance according to an embodiment of the present application;

FIG. 13 is a schematic view of another vehicle insurance apparatus according to an embodiment of the present application;

FIG. 14 is a schematic view of another vehicle insurance apparatus provided in an embodiment of the present application;

Fig. 15 is a block diagram showing a structure of a terminal according to an exemplary embodiment of the present application;

FIG. 16 is a server for vehicle insurance, according to an example embodiment.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the embodiments of the present application will be described in further detail with reference to the accompanying drawings.

It should be noted that, the information (including but not limited to user equipment information, user personal information, etc.), data (including but not limited to data for analysis, stored data, presented data, etc.), and signals (including but not limited to signals transmitted between the user terminal and other devices, etc.) related to the present application are fully authorized by the user or related aspects, and the collection, use, and processing of the related data is required to comply with the relevant laws and regulations and standards of the relevant country and region.

In order to reduce the loss caused by accidents of vehicles, aiming at the unexpected scenes such as high-speed travel, the vehicles are mainly applied in a annual purchasing and anonymous application mode. However, this approach suffers from several drawbacks: 1) Because of the named insurance mode, under the scene of accident of the vehicle, the personnel on the vehicle may not be the insured person of the vehicle, and the personnel in the accident can not enjoy the insurance; 2) The insurance purchased by year is relatively high in relative purchase amount although the coverage time period is long, and the purchase proportion of users is not high; 3) The insurance is applied in a year-by-year mode, the user is required to purchase the insurance actively in advance, the user is in a state of paying first and enjoying the guarantee after long time, and the insurance belongs to a service type product, and the user experience effect is poor in the mode.

When the vehicle enters a specified road section such as a highway and the like under the scene that the vehicle opens the unauthorized insurance service, the application automatically applies the insurance accident insurance to the vehicle in an unnamed mode, and ensures that each member in the vehicle enjoys the insurance. When the user drives off a specified road section such as a highway, the user can deduct corresponding fees, so that the user is in a state of enjoying the guarantee before paying. In addition, aiming at the accident high-incidence scene purchase, rather than annual purchase, the insurance amount is relatively small, the purchase intention of the user is strong, the purchase proportion is high, and the user demand is closed, so that the user is truly ensured, and the user experience is greatly improved.

In the technical field of internet, a social application server has a plurality of functions such as value transfer, communication, vehicle traffic management and the like, and can be one computing device or a computer cluster formed by a plurality of computing devices. For the composition structure of the social application server, the implementation environments related to the vehicle insurance method provided by the embodiment of the application have the conditions shown in fig. 1 and fig. 2.

When the social application server 102 is a computing device integrated with a plurality of functions such as value transfer, communication, vehicle traffic management, etc., referring to fig. 1, the implementation environment includes: terminal 101, social application server 102, and insurance server 103. The terminal 101 may be a smart phone, a desktop computer, a notebook computer, a tablet computer, etc., and the product type of the terminal 101 is not specifically limited in this embodiment. In order to meet the communication needs of the user, various social applications are installed in the terminal 101, and based on the installed social applications, the terminal 101 may acquire services from the social application server 102.

Insurance server 103 may provide insurance services for the vehicle.

The terminal 101 may communicate with the social application server 102 via a wired network or a wireless network, the social application server 102 may communicate with the insurance server 103 via a wired network or a wireless network, and the terminal 101 may communicate with the insurance server 103 via a wired network or a wireless network.

When the social application server is a computer cluster formed by a plurality of computing devices such as a numerical transfer server, a vehicle passing management server and the like, referring to fig. 2, the implementation environment includes: a terminal 101, a vehicle passage management server 104, a numerical value transfer server 105, and an insurance server 103. The terminal 101 is the same as the terminal 101 shown in fig. 1, and the insurance server 103 is the same as the insurance server 103 shown in fig. 1, and will not be described here again. The vehicle traffic management server 104 makes a shortcut payment by calling the value transfer server when the vehicle passes through the specified road section. The value transfer server 104 has a value transfer function, can transfer values between different users and between the user and the insurer, and when receiving a value transfer success message, sends a policy generation request to the insurance server 103 to trigger the insurance server 103 to generate policy information, and sends the policy information to the terminal 101; the value transfer server 104 also has an authorization function, and can open an unauthorized application service when receiving an unauthorized application request sent by the terminal.

The terminal 101 may communicate with the vehicle traffic management server 104 via a wired network or a wireless network, the vehicle traffic management server 104 may communicate with the value transfer server 105 via a wired network or a wireless network, the value transfer server 105 may communicate with the insurance server 103 via a wired network or a wireless network, and the terminal 101 may communicate with the insurance server 103 via a wired network or a wireless network.

Based on the implementation environment shown in fig. 1, the embodiment of the application provides a method for insuring a vehicle, and referring to fig. 3, the method provided by the embodiment of the application includes the following steps:

301. the terminal sends an unauthorized application request to the social application server.

Considering that insurance is a service type product, a user is required to pay a certain use cost, and in order to realize that the vehicle can automatically apply for the vehicle when driving into a specified road, the user at the terminal side is required to authorize the application process. In performing the authorization process, the terminal may send an authorization-free application request to the social application server. Wherein the unauthorized application request includes vehicle attribute information, applicant information, and the like. The vehicle attribute information includes license plate numbers, seat numbers (e.g., 2 seats, 4 seats, 7 seats, etc.) and usage properties (including operational and non-operational). The applicant information includes name, mobile phone number, identification card number, etc. To avoid an inability to contact the applicant in an emergency situation, the unauthorized application request may also include emergency contact information, such as the name of the emergency contact, the phone number of the emergency contact, and so forth.

Before sending the authorization-free application request to the social application server, the terminal can firstly open the vehicle passing secret-free payment function, and when the function is opened, the terminal can send the authorization-free application request to the social application server by operating on different interfaces. The specific sending process comprises the following steps:

3011. and the terminal displays a vehicle passing secret-free payment interface.

The vehicle passing secret payment-free interface is provided with insurance options, license plates for opening the vehicle passing secret payment-free function are also provided, and each license plate for opening the vehicle passing secret payment-free function corresponds to one insurance option. If the vehicle does not open the unlicensed application service, the unlicensed application service can be opened by clicking the option and executing a corresponding opening flow. For example, the vehicle passing through the payment-free interface shown in fig. 4, where the license plate number of the vehicle displayed on the interface is Beijing b.23, guangdong b.666, and su a.l1, each license plate number corresponds to one insurance option, where the license plate numbers Beijing b.23 and Guangdong b.666 do not open the unlicensed service, and by clicking the insurance option corresponding to the license plate numbers Beijing b.23 and Guangdong b.666, the license plate numbers Beijing b.23 and Guangdong b.666 can open the unlicensed service.

3012. When a clicking operation on the insurance application option is detected, the terminal displays an insurance detail interface.

The insurance detail interface is provided with insurance confirmation options, and also provided with insurance contents, insurance limits, reimbursement flows, and free-deduction descriptions. For example, the insurance details interface shown in fig. 5 displays, on the insurance details interface, the insurance contents, the insurance restrictions, the pay flows, the fee deduction-free description, and the like, wherein the insurance contents include 20 tens of thousands/seat of accident disability pay amount, 105 tens of thousands/seat of emergency rescue service pay amount, 2 tens of thousands/seat of driving accident medical pay amount, and the like; the application limits include two types, below 7 vehicles and non-operational vehicles; the guarantee limit includes an effective road (high speed in cooperation with the passing car payment), an insurance validity period (insurance validity after 3 hours on the expressway), and the like. The payment process comprises the following steps: firstly, dialing a hotline telephone report to be matched with reasonable investigation and application of emergency medical rescue and consultation; secondly, providing accident data; thirdly, waiting for an insurance company to determine loss and settle; and fourthly, waiting for the claim. The fee deduction-free description includes supported roads, charging standards, and the like.

3013. When a clicking operation on the application confirmation option is detected, the terminal displays a policy filling interface.

The policy filling interface is provided with an unauthorized opening option, an input box of vehicle attribute information, an input box of applicant information, an input box of emergency contact information and the like. For example, the policy filling interface shown in fig. 6 displays input boxes for ensuring license plate numbers, seat numbers, use properties and the like of vehicles, and also displays input boxes for ensuring names, mobile phone numbers, identification numbers and the like of insurance applicant, names, mobile phone numbers and the like of emergency contacts.

3014. When a click operation on the unauthorized opening option is detected, an unauthorized application confirmation interface is displayed.

The unlicensed application confirmation interface displays unlicensed application consent options, and may also display names of insurers, accounts of users who make an application, content of the application, payment modes, and the like. For example, the unauthorized application validation interface shown in FIG. 7, with the insurer name displayed thereon: * Insurance Shenzhen division; user account number: * Package content: after the premium is calculated according to the entering or driving-away high speed, 0.39 yuan/time/3 hours are automatically deducted by WeChat payment, and the time is calculated after the time exceeds 3 hours and the time is 0.59 yuan/3 hours, so that the premium can be reduced at any time; the fee deduction mode is as follows: postal savings cards also display the option of unlicensed insurance agreements.

3015. When a click operation of the unauthorized application consent option is detected, the terminal sends an unauthorized application request to the social application server.

When the clicking operation of the unauthorized application consent option is detected, the terminal acquires vehicle attribute information, applicant attribute information and the like filled in the policy filling interface by a user, and sends an unauthorized application request containing the information to the social application server so as to trigger the social application server to open unauthorized application service.

302. When an unauthorized application request sent by a terminal is received, the social application server opens unauthorized application service for the vehicle and generates an authorization success message.

When an unauthorized application request sent by a terminal is received, the social application server opens an unauthorized application service for the vehicle by performing service processing, and generates an authorization success message after opening the unauthorized application service, wherein the authorization success message comprises vehicle attribute information, application user information and the like.

303. The social application server sends authorization success information to the insurance server.

After generating the authorization success message, the social application server sends the authorization success message to the insurance server through a wired network or a wireless network.

304. And when the authorization success information sent by the social application server is received, the insurance server stores the authorization success information, sets the state of the vehicle to be a pre-generated policy state, and sends a storage success message to the social application server.

In order to facilitate the subsequent application, the insurance server will also store the authorization success message when it receives the authorization success message sent by the social application server. In particular, the authorization success message may be stored in a local memory of the insurance server, where the local memory is at least one of a volatile memory (e.g., memory) and a non-volatile memory (e.g., hard disk).

Further, after successfully storing the authorization success message, the insurance server sets the state of the vehicle to a pre-generated policy state and sends the storage success message to the social application server.

305. And when receiving the storage success message, the social application server sends an opening success message to the terminal.

The successful message is used for prompting that the terminal has opened the unauthorized application service.

306. When receiving the successful message of opening, the terminal confirms that the unauthorized application service is opened.

When receiving the opening success message, the terminal displays the opening success message on the authorized opening success interface so as to prompt the user that the unauthorized application service is opened. For example, referring to the authorization-to-open success interface shown in fig. 8, an open success message is displayed on the authorization-to-open success interface to prompt the user that a policy will be automatically generated each time the e-car pays a high speed.

307. The terminal sends a first notification message to the social application server.

Under the scene that the unlicensed application service is opened, when the condition that the vehicle drives into the specified road is detected, the terminal generates a first notification message and sends the first notification message to the social application server. Wherein the road is designated as a road supporting an unlicensed application service. The first notification message includes vehicle attribute information, application user information, and the like.

308. When a first notification message sent by the terminal is received, the social application server starts recording insurance guarantee time when the vehicle runs on a specified road.

When the first notification message is received, the social application server starts recording the insurance guarantee time of the vehicle running on the specified road by taking the time of the vehicle running on the specified road as the starting time, wherein the insurance guarantee time is the time of the user driving the vehicle or riding the vehicle to run on the specified road to enjoy the insurance guarantee, and each user in the vehicle enjoys the insurance guarantee in the insurance guarantee time.

309. The terminal sends a second notification message to the social application server.

When the vehicle is detected to drive out of the specified road, the vehicle is not in an accident on the specified road, and the terminal can generate a second notification message and send the second notification message to the social application server. Wherein the second notification message includes vehicle attribute information, application user information, and the like.

310. And when the second notification message sent by the terminal is received, stopping recording the insurance guarantee time when the vehicle runs on the appointed road by the social application server, and carrying out numerical value transfer according to the recorded insurance guarantee time.

When a second notification message sent by the terminal is received, the social application server stops recording the insurance guarantee time when the vehicle runs on the appointed road, determines the insurance guarantee time when the vehicle runs on the appointed road according to the insurance guarantee time when the vehicle starts to run on the appointed road and the insurance guarantee time when the vehicle stops to run on the appointed road, further determines the premium of the vehicle according to the recorded insurance guarantee time and the charging standard, and further carries out numerical transfer according to the premium of the vehicle. For example, the charging standard is set to be that the insurance guarantee time is less than or equal to 3 hours, the premium is 0.39 yuan, the premium is 0.98 yuan when the insurance guarantee time is more than 3 hours and less than 6 hours, the subsequent time period exceeding 6 hours is accumulated according to 0.59 yuan/3 hours, and when the insurance guarantee time is determined to be 5 hours, the premium can be determined to be 0.98 yuan.

The above description has been made taking an example in which a vehicle enters from a specified road and exits from the specified road safely, and includes the following cases in addition to the above cases:

In the first case, the vehicle does not travel in the specified road but travels out the specified road.

For the first case, each user on the vehicle may also enjoy the guarantee of insurance, where the start time of the guarantee time may be the drive-off time minus the preset time, and the end time may be the drive-off time. The preset time may be determined according to the length of the specified road and the running speed of the vehicle, or may be a set time, for example, 3 hours.

In the second case, the vehicle is driven in on the specified road, but is not driven out on the specified road.

For the second case, each user on the vehicle can also enjoy the guarantee of insurance, the starting time of the insurance guarantee time can be the driving-in time, the ending time can be the time when the vehicle stops running, and the whole insurance guarantee time is the running time of the vehicle.

In the third case, the vehicle enters on the specified road, but an accident occurs before exiting the specified road.

Aiming at the third condition, the terminal does not need to pay premium, and can directly send claim settlement requests to the insurance server. Wherein the claims request includes vehicle attribute information, incident related information, and the like. The claim settlement request is used for requesting the insurance party to settle the claim of the accident.

Of course, in addition to the time slot fee collection, the fee collection may be performed according to the actual situation. For example, the premium is charged at a preset percentage based on the fee charged when the vehicle travels over a specified road section such as a highway. Wherein the preset percentage may be 1%, 2%, etc. For example, the specified road section is a highway, the highway fee paid when the specified road section exits the highway is 100 yuan, the preset percentage is 1 percent, and the premium is charged for 1 yuan.

311. When a value transfer success message is generated, the social application server sends a policy generation request to the insurance server.

In the value transfer process, when a value transfer success message is generated, the social application server transmits a policy generation request including vehicle attribute information, a transferred value, an insurance guarantee time, and the like to the insurance server.

312. When receiving the policy generation request sent by the social application server, the insurance server generates policy information based on the policy generation request and sends the policy information to the terminal.

When receiving the policy generation request sent by the social application server, the insurance server generates policy information according to the policy generation request, where the policy information may also include vehicle attribute information, a transferred value, an insurance guarantee time, and the like.

And when the policy information sent by the insurance server is received, the terminal displays the policy information to prompt the user that the insurance guarantee process is finished.

In order to make more choices for the user, the method provided by the embodiment of the application also supports the user to release the opened unauthorized application service. Specifically, in the running process of the vehicle on the specified road, when a clicking operation of the insurance state release option on the insurance application vehicle detail interface is detected, the terminal can send an insurance state release request to the social application server, and when the insurance state release request is received, the social application server closes the unauthorized insurance application service of the vehicle and sends a third notification message to the insurance server, wherein the third notification message is used for prompting a user to pay the insurance fee or release the pre-generated insurance policy state of the vehicle according to the insurance fee payment condition of the vehicle. Specifically, if the vehicle has paid the premium, directly releasing the pre-generated policy state of the vehicle; if the vehicle has the unpaid premium, a prompt message is sent to the terminal to prompt the user to pay the premium. For example, referring to the insuring vehicle detail interface shown in fig. 9, the insuring detail interface displays the number, type, insuring status release option, etc. of the insuring vehicle, and by clicking the insuring status release option, the opened unauthorized insuring service can be released.

Taking the implementation environment including the terminal, the social application server and the insurance server as an example, the vehicle insurance method is executed through the interaction among the terminal, the social application server and the insurance server, when the implementation environment includes the terminal, the vehicle traffic management server, the value transfer server and the insurance server, the vehicle insurance process can be seen in fig. 10 and 11. Fig. 10 is a password-free authorization flow, and fig. 11 is a flow of generating policy information.

Referring to fig. 10, the terminal acquires the vehicle attribute information, the insurance user information, and the like added by the user, and based on the acquired information, sends an unauthorized insurance request to the vehicle management server by clicking an unauthorized insurance approval option, and when the unauthorized insurance request is received, the vehicle pass server invokes an unauthorized authorization interface to trigger the value transfer server to perform business processing so as to generate an authorization success message, returns the authorization success message, and when the authorization success message is received, the vehicle pass management server sends the authorization success message to the insurance management server. The insurance server stores the authorization success message and returns a storage success message. When receiving the storage success message, the vehicle passing management server sends an opening success message to the terminal, and when receiving the opening success message, the terminal confirms that the unauthorized application service is opened.

Referring to fig. 11, after a vehicle enters a highway and carries out license plate recognition, a terminal sends a first notification message to a vehicle traffic management server to notify the vehicle traffic management server to start recording insurance guarantee time, and when the vehicle is detected to leave the highway, the terminal sends a second notification message to the vehicle traffic management server to notify the vehicle traffic management server to stop recording insurance guarantee time. And the vehicle passing management server calls the insurance information complement interface to send an insurance policy generation request to the insurance server so as to request the insurance server to generate insurance policy information. After the insurance server generates the insurance policy information, the insurance policy information is sent to the terminal in a short message mode and the like so as to prompt the insurance process.

It should be noted that, the method provided by the embodiment of the application can be applied to driving scenes of various vehicles, for example, can be applied to driving scenes of automobiles on highways, can also be applied to driving scenes of shared single vehicles on urban roads, and the like.

According to the method provided by the embodiment of the application, the vehicle is automatically ensured when the vehicle drives into the appointed road, and the corresponding premium is deducted according to the recorded insurance guarantee time when the vehicle drives out of the appointed road, and each user on the vehicle can enjoy the guarantee by adopting the unnamed insurance guarantee mode, so that the expected insurance effect of insurance is well achieved. In addition, the insurance application mode does not need the user to actively purchase insurance products before the vehicle drives into the specified road, and is simple and quick. Moreover, insurance belongs to service type products, and by adopting the insurance application mode, the user is prevented from being in a state of paying first and enjoying guarantee for a long time, and the experience effect of the user is improved.

Referring to fig. 12, an embodiment of the present application provides a device for vehicle insurance, including:

the sending module 1201 is configured to send a first notification message to the social application server, where the first notification message is sent when a situation that a vehicle is driven into a specified road is detected in a scenario that an unlicensed application service is already opened, and the first notification message is used for the social application server to start recording a guarantee time when the vehicle is driven on the specified road, where each user on the vehicle enjoys a guarantee in the guarantee time;

The sending module 1201 is configured to send a second notification message to the social application server, where the second notification message is sent when the social application server detects that the vehicle exits the specified road, and the second notification message is used for stopping recording an insurance guarantee time when the vehicle travels on the specified road, performing value transfer based on the recorded insurance guarantee time, sending a policy generation request to the insurance server when a value transfer success message is generated, where the policy generation request is used by the insurance server to generate policy information for the vehicle, and sending the policy information to the terminal;

and a receiving module 1202, configured to receive policy information sent by the insurance server.

In another embodiment of the present application, the apparatus further comprises:

the sending module 1201 is configured to send an unlicensed application request to the social application server, where the unlicensed application request is used for the social application server to open unlicensed application services for the vehicle, generate an authorization success message, send the authorization success message to the insurance server, store the authorization success message by the insurance server, set the state of the vehicle to a pre-generated policy state, send a storage success message to the social application server, and send an opening success message to the terminal by the storage success message;

And the confirmation module is used for confirming that the unauthorized application service is opened when the successful message of opening is received.

the display module is used for displaying a vehicle passing secret payment-free interface, and an insurance application option is displayed on the vehicle passing secret payment-free interface;

the display module is used for displaying an insurance detail interface when detecting clicking operation on the insurance application option, wherein the insurance detail interface is displayed with an application confirmation option;

the display module is used for displaying a policy filling interface when clicking operation on the application confirmation option is detected, and an unauthorized opening option is displayed on the policy filling interface;

the display module is used for displaying an unauthorized application confirmation interface when detecting clicking operation of the unauthorized opening option, and the unauthorized application confirmation interface is displayed with an unauthorized application agreeing option;

a sending module 1201, configured to send an unauthorized application request to the social application server when a click operation on the unauthorized application consent option is detected.

the sending module 1201 is configured to send, when a click operation of an insurance state release option on an insurance application vehicle detail interface is detected during a running process of a vehicle on a specified road, an insurance state release request to a social application server, where the insurance state release request is used for closing an unauthorized insurance application service of the vehicle by the social application server, and send a third notification message to an insurance server, where the third notification message is used for prompting a user to pay an insurance fee or release a pre-generated policy state of the vehicle according to an insurance fee payment condition of the vehicle.

and the sending module 1201 is configured to send an claim settlement request to the insurance server if an accident occurs before the vehicle exits the specified road, where the claim settlement request is used to request the insurance party to settle the claim for the accident.

In summary, the device provided by the embodiment of the application automatically applies for the vehicle when the vehicle enters the specified road, and deducts the corresponding premium according to the recorded insurance guarantee time when the vehicle exits the specified road, and each user on the vehicle can enjoy the guarantee by adopting the unnamed application mode, so that the expected guarantee effect of insurance is well achieved. In addition, the insurance application mode does not need the user to actively purchase insurance products before the vehicle drives into the specified road, and is simple and quick. Moreover, insurance belongs to service type products, and by adopting the insurance application mode, the user is prevented from being in a state of paying first and enjoying guarantee for a long time, and the experience effect of the user is improved.

Referring to fig. 13, an embodiment of the present application provides a device for vehicle insurance, including:

the recording module 1301 is configured to start recording an insurance guarantee time when the vehicle runs on the specified road when receiving a first notification message sent by the terminal, where the first notification message is sent when the terminal detects that the vehicle runs on the specified road in a scene where the unlicensed insurance service is already opened, and each user on the vehicle enjoys the insurance in the insurance guarantee time;

A recording module 1301, configured to stop recording an insurance guarantee time when the vehicle runs on the specified road when receiving the second notification message sent by the terminal;

a value transfer module 1302 for performing value transfer according to the recorded insurance guarantee time;

and the sending module 1303 is configured to send a policy generation request to the insurance server when the value transfer success message is generated, where the policy generation request is used by the insurance server to generate policy information for the vehicle, and send the policy information to the terminal.

the service opening module is used for opening the unauthorized application service for the vehicle when receiving the unauthorized application request sent by the terminal and generating an authorization success message;

the sending module 1303 is configured to send authorization success information to the insurance server, where the authorization success information is used for the insurance server to store, set the state of the vehicle to a pre-generated policy state, and send a storage success message to the social application server;

and the sending module 1303 is used for sending an opening success message to the terminal when receiving the storage success message, wherein the opening success message is used for prompting the terminal to open the unauthorized application service.

According to the device provided by the embodiment of the application, the vehicle is automatically ensured when the vehicle drives into the appointed road, and the corresponding premium is deducted according to the recorded insurance guarantee time when the vehicle drives out of the appointed road, and each user on the vehicle can enjoy the guarantee by adopting the unnamed insurance guarantee mode, so that the expected insurance effect of insurance is well achieved. In addition, the insurance application mode does not need the user to actively purchase insurance products before the vehicle drives into the specified road, and is simple and quick. Moreover, insurance belongs to service type products, and by adopting the insurance application mode, the user is prevented from being in a state of paying first and enjoying guarantee for a long time, and the experience effect of the user is improved.

Referring to fig. 14, an embodiment of the present application provides a device for vehicle insurance, including:

the receiving module 1401 is configured to receive a policy generation request sent by the social application server, where the policy generation request is sent when the social application server performs value transfer based on the recorded insurance guarantee time to generate a value transfer success message in a scenario that the terminal opens an unlicensed insurance service, and each user on the vehicle enjoys the guarantee in the insurance guarantee time;

An information generating module 1402, configured to generate policy information based on a policy generation request;

a sending module 1403 is configured to send policy information to the terminal.

the receiving module is used for receiving authorization success information sent by the social application server, wherein the authorization success information is sent when the social application server opens the authorization-free insurance service for the vehicle;

the storage module is used for storing the authorization success information and setting the state of the vehicle to be a pre-generated policy state;

a sending module 1403, configured to send a storage success message to the social application server, where the storage success message is used for sending an activation success message to the terminal by the social application server, where the activation success message is used for prompting that the terminal has activated the unlicensed application service.

Fig. 15 shows a block diagram of a terminal 1500 according to an exemplary embodiment of the present application. The terminal 1500 may be: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group Audio Layer III, motion picture expert compression standard audio plane 3), an MP4 (Moving Picture Experts Group Audio Layer IV, motion picture expert compression standard audio plane 4) player, a notebook computer, or a desktop computer. Terminal 1500 can also be referred to as a user device, portable terminal, laptop terminal, desktop terminal, and the like.

In general, the terminal 1500 includes: a processor 1501 and a memory 1502.

The processor 1501 may include one or more processing cores, such as a 4-core processor, an 8-core processor, or the like. The processor 1501 may be implemented in at least one hardware form of DSP (Digital Signal Processing ), FPGA (Field-Programmable Gate Array, field programmable gate array), PLA (Programmable Logic Array ). The processor 1501 may also include a main processor, which is a processor for processing data in an awake state, also called a CPU (Central Processing Unit ), and a coprocessor; a coprocessor is a low-power processor for processing data in a standby state. In some embodiments, the processor 1501 may be integrated with a GPU (Graphics Processing Unit, image processor) for rendering and rendering of content required to be displayed by the display screen. In some embodiments, the processor 1501 may also include an AI (Artificial Intelligence ) processor for processing computing operations related to machine learning.

Memory 1502 may include one or more computer-readable storage media, which may be non-transitory. Memory 1502 may also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 1502 is used to store at least one instruction for execution by processor 1501 to implement the method of vehicle insurance provided by the method embodiments of the present application.

In some embodiments, the terminal 1500 may further optionally include: a peripheral interface 1503 and at least one peripheral device. The processor 1501, memory 1502 and peripheral interface 1503 may be connected by a bus or signal lines. The individual peripheral devices may be connected to the peripheral device interface 1503 via a bus, signal lines, or circuit board. Specifically, the peripheral device includes: at least one of radio frequency circuitry 1504, a touch display 1505, a camera 1506, audio circuitry 1507, a positioning component 1508, and a power supply 1509.

A peripheral interface 1503 may be used to connect I/O (Input/Output) related at least one peripheral device to the processor 1501 and the memory 1502. In some embodiments, processor 1501, memory 1502, and peripheral interface 1503 are integrated on the same chip or circuit board; in some other embodiments, either or both of the processor 1501, the memory 1502, and the peripheral interface 1503 may be implemented on separate chips or circuit boards, which is not limited in this embodiment.

The Radio Frequency circuit 1504 is configured to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuit 1504 communicates with a communication network and other communication devices via electromagnetic signals. The radio frequency circuit 1504 converts an electrical signal into an electromagnetic signal for transmission, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 1504 includes: antenna systems, RF transceivers, one or more amplifiers, tuners, oscillators, digital signal processors, codec chipsets, subscriber identity module cards, and so forth. The radio frequency circuit 1504 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocol includes, but is not limited to: metropolitan area networks, various generations of mobile communication networks (2G, 3G, 4G, and 5G), wireless local area networks, and/or WiFi (Wireless Fidelity ) networks. In some embodiments, the radio frequency circuit 1504 may also include NFC (Near Field Communication, short range wireless communication) related circuits, which the present application is not limited to.

Display 1505 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When display screen 1505 is a touch display screen, display screen 1505 also has the ability to collect touch signals at or above the surface of display screen 1505. The touch signal may be input to the processor 1501 as a control signal for processing. At this point, display 1505 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display 1505 may be one, providing a front panel of the terminal 1500; in other embodiments, the display 1505 may be at least two, respectively disposed on different surfaces of the terminal 1500 or in a folded design; in still other embodiments, the display 1505 may be a flexible display disposed on a curved surface or a folded surface of the terminal 1500. Even more, the display 1505 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The display screen 1505 may be made of LCD (Liquid Crystal Display ), OLED (Organic Light-Emitting Diode) or other materials.

The camera assembly 1506 is used to capture images or video. Optionally, the camera assembly 1506 includes a front camera and a rear camera. Typically, the front camera is disposed on the front panel of the terminal and the rear camera is disposed on the rear surface of the terminal. In some embodiments, the at least two rear cameras are any one of a main camera, a depth camera, a wide-angle camera and a tele camera, so as to realize that the main camera and the depth camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize a panoramic shooting and Virtual Reality (VR) shooting function or other fusion shooting functions. In some embodiments, the camera assembly 1506 may also include a flash. The flash lamp can be a single-color temperature flash lamp or a double-color temperature flash lamp. The dual-color temperature flash lamp refers to a combination of a warm light flash lamp and a cold light flash lamp, and can be used for light compensation under different color temperatures.

The audio circuitry 1507 may include a microphone and a speaker. The microphone is used for collecting sound waves of users and the environment, converting the sound waves into electric signals, inputting the electric signals to the processor 1501 for processing, or inputting the electric signals to the radio frequency circuit 1504 for voice communication. For purposes of stereo acquisition or noise reduction, a plurality of microphones may be respectively disposed at different portions of the terminal 1500. The microphone may also be an array microphone or an omni-directional pickup microphone. The speaker is used to convert electrical signals from the processor 1501 or the radio frequency circuit 1504 into sound waves. The speaker may be a conventional thin film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, not only the electric signal can be converted into a sound wave audible to humans, but also the electric signal can be converted into a sound wave inaudible to humans for ranging and other purposes. In some embodiments, the audio circuit 1507 may also include a headphone jack.

The positioning component 1508 is for positioning a current geographic location of the terminal 1500 to enable navigation or LBS (Location Based Service, location-based services).

The power supply 1509 is used to power the various components in the terminal 1500. The power supply 1509 may be an alternating current, a direct current, a disposable battery, or a rechargeable battery. When the power supply 1509 includes a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, the terminal 1500 also includes one or more sensors 1510. The one or more sensors 1510 include, but are not limited to: acceleration sensor 1511, gyroscope sensor 1512, pressure sensor 1513, fingerprint sensor 1514, optical sensor 1515, and proximity sensor 1516.

The acceleration sensor 1511 may detect the magnitudes of accelerations on three coordinate axes of the coordinate system established with the terminal 1500. For example, the acceleration sensor 1511 may be used to detect components of gravitational acceleration in three coordinate axes. The processor 1501 may control the touch display screen 1505 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal acquired by the acceleration sensor 1511. The acceleration sensor 1511 may also be used for the acquisition of motion data of a game or user.

The gyro sensor 1512 may detect a body direction and a rotation angle of the terminal 1500, and the gyro sensor 1512 may collect 3D motion of the terminal 1500 by a user in cooperation with the acceleration sensor 1511. The processor 1501, based on the data collected by the gyro sensor 1512, may implement the following functions: motion sensing (e.g., changing UI according to a tilting operation by a user), image stabilization at shooting, game control, and inertial navigation.

Pressure sensor 1513 may be disposed on a side frame of terminal 1500 and/or below touch display 1505. When the pressure sensor 1513 is disposed on the side frame of the terminal 1500, a grip signal of the user on the terminal 1500 may be detected, and the processor 1501 performs left-right hand recognition or quick operation according to the grip signal collected by the pressure sensor 1513. When the pressure sensor 1513 is disposed at the lower layer of the touch display screen 1505, the processor 1501 realizes control of the operability control on the UI interface according to the pressure operation of the user on the touch display screen 1505. The operability controls include at least one of a button control, a scroll bar control, an icon control, and a menu control.

The fingerprint sensor 1514 is used for collecting the fingerprint of the user, and the processor 1501 recognizes the identity of the user according to the collected fingerprint of the fingerprint sensor 1514, or the fingerprint sensor 1514 recognizes the identity of the user according to the collected fingerprint. Upon recognizing that the user's identity is a trusted identity, the processor 1501 authorizes the user to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying for and changing settings, etc. The fingerprint sensor 1514 may be provided on the front, back, or side of the terminal 1500. When a physical key or vendor Logo is provided on the terminal 1500, the fingerprint sensor 1514 may be integrated with the physical key or vendor Logo.

The optical sensor 1515 is used to collect the ambient light intensity. In one embodiment, processor 1501 may control the display brightness of touch display screen 1505 based on the intensity of ambient light collected by optical sensor 1515. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1505 is turned up; when the ambient light intensity is low, the display brightness of the touch display screen 1505 is turned down. In another embodiment, the processor 1501 may also dynamically adjust the shooting parameters of the camera assembly 1506 based on the ambient light intensity collected by the optical sensor 1515.

A proximity sensor 1516, also referred to as a distance sensor, is typically provided on the front panel of the terminal 1500. The proximity sensor 1516 is used to collect the distance between the user and the front of the terminal 1500. In one embodiment, when the proximity sensor 1516 detects a gradual decrease in the distance between the user and the front of the terminal 1500, the processor 1501 controls the touch display 1505 to switch from the on-screen state to the off-screen state; when the proximity sensor 1516 detects that the distance between the user and the front surface of the terminal 1500 gradually increases, the touch display screen 1505 is controlled by the processor 1501 to switch from the off-screen state to the on-screen state.

Those skilled in the art will appreciate that the structure shown in fig. 15 is not limiting and that more or fewer components than shown may be included or certain components may be combined or a different arrangement of components may be employed.

FIG. 16 is a server for vehicle insurance, according to an example embodiment. Referring to fig. 16, server 1600 includes a processing component 1622 that further includes one or more processors and memory resources represented by memory 1632 for storing instructions, such as application programs, executable by processing component 1622. The application programs stored in memory 1632 may include one or more modules that each correspond to a set of instructions. Further, processing component 1622 is configured to execute instructions to perform functions performed by the server in the method of vehicle insurance described above.

The server 1600 may also include a power component 1626 configured to perform power management of the server 1600, a wired or wireless network interface 1650 configured to connect the server 1600 to a network, and an input output (I/O) interface 1658. The Server 1600 may operate an operating system based on memory 1632, such as Windows Server ^TM ，Mac OS X ^TM ，Unix ^TM ,Linux ^TM ，FreeBSD ^TM Or the like.

An embodiment of the present application provides a computer-readable storage medium having at least one program code stored therein, the at least one program code loaded and executed by a processor to implement the method of vehicle insurance illustrated in fig. 3.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program for instructing relevant hardware, where the program may be stored in a computer readable storage medium, and the storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The foregoing description of the preferred embodiments of the application is not intended to limit the application to the precise form disclosed, and any such modifications, equivalents, and alternatives falling within the spirit and scope of the application are intended to be included within the scope of the application.

Claims

1. A method of vehicle insurance, the method comprising:

and receiving the policy information sent by the insurance server.

2. The method of claim 1, wherein prior to sending the first notification message to the social application server, the method further comprises:

sending an unauthorized application request to the social application server, wherein the unauthorized application request is used for enabling the social application server to enable unauthorized application service for the vehicle, generating an authorization success message, sending the authorization success message to the insurance server, storing the authorization success message by the insurance server, setting the state of the vehicle to be a pre-generated policy state, and sending a storage success message to the social application server, wherein the storage success message is used for enabling the social application server to send an enabling success message to the terminal;

And when the opening success message is received, confirming that the unauthorized application service is opened.

3. The method according to claim 1, wherein the method further comprises:

displaying a vehicle passing secret payment-free interface, wherein an insurance application option is displayed on the vehicle passing secret payment-free interface;

when the clicking operation on the insurance application option is detected, displaying an insurance detail interface, wherein the insurance detail interface is provided with an application confirmation option;

when the clicking operation of the application confirmation options is detected, displaying a policy filling interface, wherein an unauthorized opening option is displayed on the policy filling interface;

when the clicking operation of the unauthorized opening option is detected, displaying an unauthorized application confirmation interface, wherein the unauthorized application confirmation interface is provided with an unauthorized application agreeing option;

and sending an unauthorized application request to the social application server when a clicking operation of the unauthorized application consent option is detected.

4. The method according to claim 1, wherein the method further comprises:

when a clicking operation of an insurance state release option on an insurance vehicle detail interface is detected in the running process of the vehicle on the appointed road, an insurance state release request is sent to the social application server, the insurance state release request is used for closing unauthorized insurance service of the vehicle by the social application server, a third notification message is sent to the insurance server, and the third notification message is used for prompting a user to pay insurance fee or release a pre-generated insurance policy state of the vehicle according to the insurance fee payment condition of the vehicle by the insurance server.

5. The method of claim 1, wherein prior to the sending the second notification message to the social application server, the method further comprises:

if an accident occurs before the vehicle exits the specified road, a claim settlement request is sent to the insurance server, wherein the claim settlement request is used for requesting an insurance party to settle the accident.

6. A method of vehicle insurance, the method comprising:

stopping recording the insurance guarantee time when the vehicle runs on the appointed road when a second notification message sent by the terminal is received;

7. The method of claim 6, wherein the method further comprises, when the first notification message sent by the terminal is received, before starting recording the insurance guarantee time when the vehicle is traveling on the specified road:

when an unauthorized application request sent by the terminal is received, opening the unauthorized application service for the vehicle, and generating an authorization success message;

the authorization success information is sent to the insurance server, the authorization success information is used for being stored by the insurance server, the state of the vehicle is set to be a pre-generated insurance policy state, and a storage success message is sent to a social application server;

and when the storage success message is received, sending an opening success message to the terminal, wherein the opening success message is used for prompting the terminal to open the unauthorized application service.

8. A method of vehicle insurance, the method comprising:

Generating policy information based on the policy generation request;

transmitting the policy information to the terminal;

the insurance guarantee time is determined by the social application server according to a first notification message and a second notification message sent by the terminal, wherein the first notification message is used for the social application server to start recording the insurance guarantee time when the vehicle runs on a specified road, the first notification message is sent by the terminal when the terminal detects that the vehicle runs on the specified road under the scene of having opened the unauthorized application service, the second notification message is used for the social application server to stop recording the insurance guarantee time when the vehicle runs on the specified road, and the second notification message is sent by the terminal when the terminal detects that the vehicle runs off the specified road.

9. The method of claim 8, wherein prior to receiving the policy generation request sent by the social application server, the method further comprises:

receiving authorization success information sent by the social application server, wherein the authorization success information is sent when the social application server opens the unauthorized application service for the vehicle;

Storing the authorization success information, and setting the state of the vehicle to be a pre-generated policy state;

and sending a storage success message to the social application server, wherein the storage success message is used for sending an opening success message to the terminal by the social application server, and the opening success message is used for prompting the terminal to open the unauthorized application service.

10. An apparatus for insuring a vehicle, the apparatus comprising:

11. The apparatus of claim 10, wherein the apparatus further comprises:

the sending module is further configured to send an unlicensed application request to the social application server, where the unlicensed application request is used for the social application server to open an unlicensed application service for the vehicle, generate an authorization success message, send the authorization success message to the insurance server, store the authorization success message by the insurance server, set the state of the vehicle to a pre-generated policy state, and send a storage success message to the social application server, where the storage success message is used for the social application server to send an opening success message to the terminal;

and the confirmation module is used for confirming that the unauthorized application service is opened when the opening success message is received.

12. The apparatus of claim 10, wherein the apparatus further comprises:

the display module is used for displaying a vehicle passing secret payment-free interface, and an insurance application option is displayed on the vehicle passing secret payment-free interface; when the clicking operation on the insurance application option is detected, displaying an insurance detail interface, wherein the insurance detail interface is provided with an application confirmation option; when the clicking operation of the application confirmation options is detected, displaying a policy filling interface, wherein an unauthorized opening option is displayed on the policy filling interface; when the clicking operation of the unauthorized opening option is detected, displaying an unauthorized application confirmation interface, wherein the unauthorized application confirmation interface is provided with an unauthorized application agreeing option;

The sending module is further configured to send an unauthorized application request to the social application server when a click operation on the unauthorized application consent option is detected.

13. The apparatus of claim 10, wherein the apparatus further comprises:

the sending module is further configured to send an application state release request to the social application server when a click operation of an application state release option on an application vehicle detail interface is detected during a running process of the vehicle on the specified road, where the application state release request is used for closing an unauthorized application service of the vehicle by the social application server, and sending a third notification message to the insurance server, where the third notification message is used for prompting a user to pay an insurance fee or release a pre-generated policy state of the vehicle according to an insurance fee payment condition of the vehicle.

14. The apparatus of claim 10, wherein the apparatus further comprises:

the sending module is further configured to send a claim settlement request to the insurance server if the accident occurs before the vehicle exits the specified road, where the claim settlement request is used to request the insurance party to settle the claim for the accident.

15. An apparatus for insuring a vehicle, the apparatus comprising:

16. The apparatus of claim 15, wherein the apparatus further comprises:

The sending module is further configured to send the authorization success information to the insurance server, where the authorization success information is used for the insurance server to store, set the state of the vehicle to a pre-generated policy state, and send a storage success message to a social application server;

the sending module is further configured to send an activation success message to the terminal when the storage success message is received, where the activation success message is used to prompt the terminal that the unlicensed application service has been activated.

17. An apparatus for insuring a vehicle, the apparatus comprising:

the sending module is used for sending the policy information to the terminal;

18. The apparatus of claim 17, wherein the apparatus further comprises:

the receiving module is further configured to receive authorization success information sent by the social application server, where the authorization success information is sent when the social application server opens the authorization-free insurance service for the vehicle;

the storage module is used for storing the authorization success information and setting the state of the vehicle as a pre-generated policy state;

The sending module is further configured to send a storage success message to the social application server, where the storage success message is used for sending an opening success message to the terminal by the social application server, and the opening success message is used for prompting that the terminal has opened the unlicensed application service.

19. A terminal comprising a processor and a memory, wherein the memory has stored therein at least one program code that is loaded and executed by the processor to implement the method of vehicle insurance of any of claims 1 to 5.

20. A server comprising a processor and a memory, the memory having stored therein at least one program code that is loaded and executed by the processor to implement the method of vehicle insurance of any of claims 6 or 7, or the method of vehicle insurance of any of claims 8 or 9.

21. A computer readable storage medium having stored therein at least one program code loaded and executed by a processor to implement the method of vehicle insurance of any of claims 1 to 5, or the method of vehicle insurance of any of claims 6 or 7, or the method of vehicle insurance of any of claims 8 or 9.