WO2021082276A1 - 用于生成保险信息的方法、移动设备和计算机可读存储介质 - Google Patents

用于生成保险信息的方法、移动设备和计算机可读存储介质 Download PDF

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Publication number
WO2021082276A1
WO2021082276A1 PCT/CN2019/130621 CN2019130621W WO2021082276A1 WO 2021082276 A1 WO2021082276 A1 WO 2021082276A1 CN 2019130621 W CN2019130621 W CN 2019130621W WO 2021082276 A1 WO2021082276 A1 WO 2021082276A1
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WO
WIPO (PCT)
Prior art keywords
information
vehicle
insurance
mobile device
user
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2019/130621
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English (en)
French (fr)
Inventor
时红仁
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shanghai Pateo Electronic Equipment Manufacturing Co Ltd
Original Assignee
Shanghai Pateo Electronic Equipment Manufacturing Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shanghai Pateo Electronic Equipment Manufacturing Co Ltd filed Critical Shanghai Pateo Electronic Equipment Manufacturing Co Ltd
Priority to EP19951161.9A priority Critical patent/EP4044098A4/en
Priority to US17/773,563 priority patent/US20220366506A1/en
Publication of WO2021082276A1 publication Critical patent/WO2021082276A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/30—Services specially adapted for particular environments, situations or purposes
    • H04W4/40—Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P]
    • H04W4/44—Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/02—Reservations, e.g. for tickets, services or events
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/40—Business processes related to the transportation industry
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information
    • H04W4/024—Guidance services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/02—Services making use of location information
    • H04W4/029—Location-based management or tracking services
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C5/00—Registering or indicating the working of vehicles
    • G07C5/008—Registering or indicating the working of vehicles communicating information to a remotely located station

Definitions

  • the embodiments of the present disclosure generally relate to the technical field of Internet of Vehicles, and more specifically, to a method and equipment for generating insurance information.
  • the Internet of Vehicles technology is still constantly being updated and developed.
  • the Internet of Vehicles technology can use information and communication technology to realize the interconnection between cars, cars and people, cars and service platforms, which provides users with more comfortable, intelligent and efficient transportation services and driving experience.
  • mobile devices such as smart phones
  • users can interact with vehicles and servers (such as cloud platforms), so that they can perform some operations on the vehicles, and can also obtain information from the vehicles and servers to assist driving or travel.
  • the application of Internet of Vehicles technology is still very limited, and there is a need to use this technology to provide users with more intelligent services.
  • the embodiments of the present disclosure aim to provide a method, a mobile device, and a computer-readable storage medium for generating insurance information.
  • a method, a mobile device, and a computer-readable storage medium for generating insurance information Through the embodiments of the present disclosure, it is possible to know the itinerary of the user driving the vehicle in the future time period in a variety of ways, so as to automatically provide the user with a more accurate and matching future trip before the user travels in a targeted manner. Insurance information.
  • the insurance information provided may not be restricted by the current location and current time of the vehicle, but may be directly associated with the destination the user drives to and the time when the user is not traveling, and the user These insurance information can be viewed and selected more conveniently, thereby simplifying user operations and improving the user's travel experience.
  • a method for generating insurance information including: at a mobile device, obtaining first information from stored data; receiving second information, the second information being passed through a vehicle The vehicle is associated with the mobile device; in response to determining that at least one of the first information and the second information is associated with the travel of the vehicle within a predetermined time range in the future, the first information and the second information At least one of the information in is sent to the server; the insurance information associated with the sent at least one information is received from the server; and the received insurance information is presented.
  • a mobile device for generating insurance information including: at least one processor; and a memory coupled with the at least one processor, the memory containing instructions stored therein, the When the instruction is executed by the at least one processor, the mobile device executes an action.
  • the action includes: obtaining first information from the stored data at the mobile device; receiving second information, which is passed through the vehicle's The vehicle is associated with the mobile device obtained by the in-vehicle device; in response to determining that at least one of the first information and the second information is associated with the travel of the vehicle within a predetermined time range in the future, the first information and the second information At least one piece of information of is sent to the server; the insurance information associated with the sent at least one piece of information is received from the server; and the received insurance information is presented.
  • a computer-readable storage medium stores a computer program, and the computer program implements the method according to the first aspect when the computer program is executed by the processor.
  • FIG. 1 shows a schematic diagram of a scenario 100 in which an embodiment of the present disclosure may be implemented.
  • FIG. 2 shows a process block diagram of a method 200 for generating insurance information according to an embodiment of the present disclosure.
  • FIG. 3 shows a flowchart of a process 300 of generating insurance information according to an embodiment of the present disclosure.
  • FIG. 4 shows a schematic block diagram of a device 400 capable of implementing an embodiment of the present disclosure.
  • the term “including” and similar terms should be understood as open-ended inclusion, that is, “including but not limited to”.
  • the term “based on” should be understood as “based at least in part on”.
  • the term “one example/embodiment” or “the example/embodiment” should be understood as “at least one example/embodiment”.
  • the terms “first”, “second”, etc. may refer to different or the same objects. The following may also include other explicit and implicit definitions.
  • the embodiments of the present disclosure propose a solution for generating insurance information by means of the Internet of Vehicles technology.
  • the solution can autonomously analyze the data at the user's vehicle and mobile device to determine whether the user is likely to travel, and determine the route and destination of the travel.
  • travel data can be analyzed to find a matching insurance plan, and the insurance plan can be presented to users through mobile devices in an appropriate manner.
  • the insurance obtained by the user can accurately match the specific itinerary and time of the future trip without being limited by the current location of the user or the vehicle and time.
  • the user can easily obtain matching insurance information on a mobile terminal such as a mobile phone, and there is no need to perform any operations or only simple operations in this process. Subsequently, with a simple click operation, the user can purchase insurance that matches future trips before driving the vehicle.
  • FIG. 1 shows a schematic diagram of a scenario 100 in which an embodiment of the present disclosure may be implemented.
  • the scene 100 includes a user 110, a mobile device 120, a vehicle 130, and a server 140.
  • the mobile device 120 may be used to execute the method for generating insurance information according to an embodiment of the present disclosure.
  • the mobile device 120 can be operated by the user 110 and can communicate with the vehicle 130 and the server 140.
  • the mobile device 120 may be a mobile terminal including a smart phone, a smart wearable device, a tablet computer, or a notebook computer.
  • the mobile device 120 may be configured to implement the function of a virtual key of the vehicle 130.
  • the virtual key refers to the software or application installed in the mobile device.
  • the mobile device 120 can communicate with the vehicle 130 and the server 140 using any appropriate communication technology through the virtual key.
  • the communication technology may be, for example, near field communication (NFC), Bluetooth (Bluetooth) short-range communication, or long-range communication.
  • the mobile device 120 can communicate with the vehicle 130 and the server 140 to implement some functions.
  • the mobile device 120 may perform some remote control operations on the vehicle 130, such operations may include unlocking and locking the doors of the vehicle 130, the ignition of the vehicle 130, the adjustment of seats in the vehicle, and the adjustment of vehicle audio and video equipment.
  • the mobile device 120 may also send a request to the server 140 to obtain necessary driving information (for example, road conditions, weather conditions, information on nearby vehicles, and information on transportation facilities such as gas stations and service areas).
  • necessary driving information for example, road conditions, weather conditions, information on nearby vehicles, and information on transportation facilities such as gas stations and service areas.
  • the mobile device 120 can obtain information from the vehicle 130 and the server 140.
  • the mobile device 120 may obtain various data associated with the vehicle from the vehicle 130, or the mobile device 120 may obtain various service information from the server 140.
  • the mobile device 120 may present the acquired information to the user in a certain form (such as sound or image), so as to provide the user with necessary services.
  • the vehicle 130 may include an in-vehicle device 131, which may be an electronic device mounted on the vehicle 130.
  • the in-vehicle equipment 131 may include communication means.
  • the vehicle 130 can communicate with the mobile device 120 and the server 140 through the communication device of the in-vehicle device 131.
  • the in-vehicle device 131 may also include devices such as a positioning device (for example, a GPS device), a display device (for example, a liquid crystal display) and the like.
  • the in-vehicle device 131 can also interact with the driver to assist the driver in operating the vehicle. For example, the in-vehicle device 131 can calculate and display a navigation route to guide the driver to drive the vehicle to the destination.
  • the in-vehicle device 131 can realize the control function of some devices in the vehicle. For example, when the in-vehicle device 131 receives a command from the mobile device 120, the in-vehicle device 131 can control the unlocking and locking of the door, and can appropriately control the audio and video equipment in the vehicle.
  • the in-vehicle device 131 may include a storage device to store data associated with the vehicle, such as travel history of the vehicle, status information of the vehicle, and the like. According to needs, the in-vehicle device 131 can send the data stored in its storage device to the mobile device 120 and the server 140.
  • the server 140 may be a cloud server, for example, and may communicate with the mobile device 120 and the vehicle 130 to receive requests or data from the mobile device 120 and the vehicle 130 and transmit the data or information to the mobile device 120 and the vehicle 130.
  • the server 140 may have a database containing insurance data, or the server 140 may communicate with a database containing insurance data. Thus, the server 140 can provide necessary information or data to the database, and obtain matching insurance information from the database.
  • the scenario 100 in FIG. 1 actually provides an application scenario for the Internet of Vehicles.
  • the user 110, the mobile device 120, the vehicle 130 (including the in-vehicle device 131), and the server 140 can realize interconnection and information sharing.
  • the scene 100 is not restrictive.
  • the scene 100 may include other necessary equipment, such as road auxiliary equipment (such as an electronic device including a camera) located on the roadside.
  • the number of users 110, mobile devices 120, vehicles 130, and servers 140 may also be any suitable number, and is not limited by the number shown in FIG. 1.
  • FIG. 2 shows a process block diagram of a method 200 for generating insurance information according to an embodiment of the present disclosure.
  • the method 200 may be implemented by the mobile device 120.
  • the method 200 may further include additional actions not shown and/or the actions shown may be omitted, and the scope of the present disclosure is not limited in this respect.
  • first information is obtained from the stored data.
  • the data stored in the mobile device 120 may include travel data of the user 110. By analyzing the user's travel data, the risk of the user driving a vehicle can be determined, and then the insurance required by the user can be determined. Therefore, available information can be obtained from the data stored in the mobile device 120.
  • the data stored in the mobile device 120 may be any data generated by the user 110 in the process of using the mobile device 120.
  • the mobile device 120 is a smart phone
  • the stored data may be data of a short message received by the smart phone.
  • these data may also be data stored when the user 110 uses the virtual key of the mobile device 120. In some cases, these data may also be data stored by the navigation software on the mobile device 120.
  • the first information may include at least one of the following items: location information input at the mobile device 120; a selection operation on the historical destination of the vehicle received at the mobile device 120, the vehicle The historical destination is determined based on the historical travel path of the vehicle; a short message indicating location information and travel time associated with the trip; and itinerary information indicating the travel time and destination.
  • location information input at the mobile device 120 a selection operation on the historical destination of the vehicle received at the mobile device 120, the vehicle The historical destination is determined based on the historical travel path of the vehicle; a short message indicating location information and travel time associated with the trip; and itinerary information indicating the travel time and destination.
  • the user may input the travel address of the driving vehicle into the key card of the virtual key of the mobile device 120, and the travel address input by the user may be obtained as the first information.
  • the virtual key of the mobile device 120 may store the historical driving path of the vehicle (for example, the key card of the virtual key may have an address card function, and by clicking on the address card, the historical destination of the vehicle travel can appear), and the user can pass The historical destination in the historical driving route is selected to determine the address where the vehicle travels, and the address determined in this way can be obtained as the first information.
  • the mobile device 120 when a user is about to drive a vehicle to book accommodation or a meal, the mobile device 120 usually receives a short message related to the reservation. Therefore, by obtaining such a short message, the user's future destination address for driving the vehicle can be known.
  • the first information also includes itinerary information in the mobile device 120 (for example, a virtual key of the mobile device 120 or a schedule stored in other application software), and the itinerary information may indicate the travel time and travel destination. By obtaining this information, it is possible to predict the range, distance, and possible route of the user driving the vehicle.
  • the mobile device 120 receives the second information, which is obtained via the in-vehicle device 131 of the vehicle 130, and the vehicle 130 is associated with the mobile device 120.
  • the in-vehicle device 131 of the vehicle 130 may also store data related to the user driving the vehicle to travel. Therefore, data related to the user's vehicle travel can also be obtained from the in-vehicle device 131 of the vehicle 130.
  • the mobile device 120 may directly communicate with the in-vehicle device 131 of the vehicle 130 to obtain the second information. However, in some cases, the mobile device 120 may not be able to maintain a communication connection with the in-vehicle device 131.
  • the mobile device 120 and the in-vehicle device 131 use short-range communication technology to communicate
  • the mobile device 120 cannot communicate with the in-vehicle device 131.
  • the manner in which the mobile device 120 obtains the second information from the in-vehicle device 131 may also be non-real-time. That is, the mobile device 120 can obtain the latest data from the in-vehicle device 131 as much as possible when it can be communicatively connected to the in-vehicle device 131.
  • the second information includes at least one of the following items: current location information of the vehicle 130, navigation information of the vehicle 130, and status information of the vehicle 130.
  • the current location information, navigation information, and status information of the vehicle 130 may help determine the risk of driving the vehicle in the future. Therefore, the information may be obtained from the in-vehicle device 131 and provided to the mobile device 120.
  • the navigation information of the vehicle 130 includes at least one of the following: a historical route of the vehicle and an expected route of the vehicle.
  • the historical route and expected route of the vehicle can indicate whether the obtained information is associated with future driving of the vehicle and help determine possible risks. For example, by analyzing the route of the vehicle, it is possible to determine the distance traveled by the vehicle and determine which road sections the vehicle needs to pass. These road sections may be highways, ordinary roads, or may pass through mountains, deserts, or rivers, for example. For different types of road sections, the driving of vehicles may have different risks.
  • the condition information of the vehicle 130 includes at least one of the following items: the mileage of the vehicle 130, the operating life of the vehicle 130, the historical insurance of the vehicle 130, the current usage parameters of the vehicle 130, and The maintenance status of the vehicle 130.
  • the historical insurance of the vehicle 130 includes insurance information that the vehicle has purchased in the past, and the insurance information may include an insurance that has expired and an insurance that is still in effect.
  • the current usage parameters of the vehicle 130 relate to vehicle parameter information that can be measured by the vehicle's own sensors or meters, such as the vehicle's fuel volume, tire pressure, average vehicle speed, fuel consumption, etc.
  • the maintenance status of the vehicle 130 may include information about the maintenance of the vehicle, for example, which parts of the vehicle have recently been replaced or repaired.
  • This information helps to determine what insurance to push to the user. For example, for vehicles with high mileage and long driving years, insurance for personnel safety can be strengthened. For example, by obtaining historical insurance, you can avoid pushing duplicate insurance information or remind users which insurance they tend to buy. For example, for parts and components of vehicles that have not been maintained or maintained for a long time, the probability of problems with these parts is higher, so users may need insurance for the corresponding parts.
  • the mobile device 120 determines that at least one of the first information and the second information is associated with a trip of the vehicle 130 within a predetermined time range in the future.
  • the information obtained by the mobile device 120 from its own storage device or from the in-vehicle device 131 may have information interference that is not related to driving the vehicle to travel.
  • the acquired first information and second information include location information, such location information is not necessarily information about an upcoming trip, but may be irrelevant information or travel information that has expired. Wrong information may cause a large amount of invalid insurance information to be pushed to users, which may degrade user experience and prevent users from viewing valid insurance information.
  • the mobile device 120 can determine whether the acquired information is associated with an upcoming trip based on the acquired first information and second information. This can effectively shield some useless information, thereby providing users with more accurate insurance information.
  • determining that at least one of the first information and the second information is associated with travel within a predetermined time range in the future by the mobile device 120 includes: identifying at least one of the first information and the second information The time information of the information and the location associated with the time information; and in response to determining that the identified time information is within a predetermined time range in the future, it is determined whether at least one of the following predetermined conditions is met: the identified location and the current location of the vehicle The distance of is less than or equal to a predetermined distance threshold, or the identified location is included in the historical driving path of the vehicle; in response to determining that the foregoing predetermined condition is satisfied, it is determined that the at least one piece of information is associated with a trip within a predetermined time range in the future.
  • the mobile device 120 can identify the time information in the acquired information and the location information associated with the time information.
  • the mobile device 120 may predefine a time range during which the vehicle will be driven to travel, and compare the identified time information with the predefined time range. If the time is within the predefined travel time range, it may be further determined based on a predetermined condition whether the identified location information associated with the time is available.
  • the predetermined condition may include determining the distance between the identified position and the current position of the vehicle. If the distance between the identified location and the current location of the vehicle is less than the predetermined distance threshold, it can be determined that the identified location is available location information, that is, this location is a location that the user may reach by driving the vehicle within a predetermined time range in the future.
  • the predetermined distance threshold may be defined based on the normal speed of the vehicle and the travel time of the vehicle, for example. However, those skilled in the art can understand that the predetermined distance threshold may also be defined by the user in any suitable manner as required.
  • the aforementioned predetermined condition may also include determining whether the identified location is included in the historical travel path of the vehicle. If the identified location is a location that the vehicle has reached before, the identified location can also be considered available, that is, the location is a location that the user may reach within a predetermined time range in the future. This method utilizes historical data, can effectively reduce the amount of calculation of mobile devices, and improve efficiency. It can be understood that the predetermined conditions are not limited to the above types, and those skilled in the art can also add other predetermined conditions as needed. After the determined predetermined condition is satisfied, the mobile device 120 may determine that the acquired information is associated with a trip within a predetermined time range in the future.
  • the user's mobile phone receives a short message for the user to book a hotel, and the short message includes the address of the hotel and the check-in time.
  • the short message shows that the hotel is Hotel A in Qiandao Lake, Zhejiang, and the check-in time is October 29, 2019.
  • the virtual key of the mobile device 120 can obtain such a short message and identify the above-mentioned time information.
  • the predefined time range can be set from October 28th to October 30th, and the above-mentioned time information is within the predefined time range. Therefore, it can be further judged whether the location information of the short message is valid.
  • the mobile device 120 can determine this information (for example, the aforementioned short message) Is invalid information.
  • At least one of the first information and the second information is associated with the trip of the vehicle 130 within a predetermined time range in the future, at least one of the first information and the second information is sent to the server 140 .
  • the information collected from the mobile device 120 itself and the information collected from the in-vehicle device 131 are valid travel information, the information may be sent to the server 140.
  • insurance information associated with the transmitted at least one piece of information is received from the server 140.
  • the server 140 may have a database containing insurance data, or the server 140 may communicate with a database containing insurance data.
  • the server 140 can provide suitable travel insurance for driving the vehicle based on the information from the mobile device 120.
  • the insurance information is determined by the server based on at least one piece of information received, and the insurance information includes at least one of the following: insurance information associated with the repair of the vehicle; information associated with the breakdown of the vehicle Insurance information; and insurance information associated with the time identified based on the at least one information.
  • the server 140 may provide insurance related to engine maintenance and tire replacement or tire repair services based on this information; if the vehicle passes through the route is more congested, then The server 140 may provide insurance related to traffic jams or accommodation extension; if the vehicle passes through a high-risk road section of rear-end collision or smashing, it may provide insurance related to the appearance of the vehicle.
  • the server 140 may also provide insurance information related to personnel safety based on the information from the mobile device 120.
  • the insurance information may also include insurance information associated with the time identified based on the acquired information.
  • the insurance information may include the time range covered by the insurance during the user's self-driving trip, so that the user can flexibly choose the time range of the insurance purchased according to needs. It can be understood that the above description is not restrictive, and the server 140 may provide any necessary insurance information as needed.
  • the mobile device 120 may present the received insurance information. Specifically, after receiving the insurance information from the server 140, the mobile device 120 may present the insurance information to the user 110. For example, these insurance information may be presented by means of a virtual key on the mobile device 120. The presentation of these insurance information may not require any trigger or operation. For example, after the mobile device 120 receives the insurance information, it can remind the user 110 to check it by turning on the screen. It is understandable that insurance information may also be presented on the mobile device 120 after certain triggers and operations.
  • presenting the received insurance information by the mobile device 120 includes: displaying an operable icon for indicating insurance associated with the travel of the vehicle 130, and the operable icon is used to receive information about the insurance information from the server 140 Send the input of the order associated with the insurance.
  • the virtual key of the mobile device 120 can be displayed as a graphic It prompts the user about the insurance information involved in the trip in a customized way. For example, the user can enter the destination address of a self-driving trip on Saturday and Sunday into the key card of the virtual key on Friday evening.
  • the user After completing the input of the itinerary address, the user’s mobile device 120, such as a mobile phone, can use the insurance card
  • the form of presents insurance information intuitively, which can include insurance rights and expenses (for example, a combination of short-term car damage insurance and personal accident insurance is 28 yuan/day). Subsequently, the user can complete the insurance purchase by clicking or selecting the above-mentioned operable icon in any way.
  • the received insurance information is presented in the form of at least one of sound and image.
  • the mobile device 120 receives the insurance information pushed by the server 140, it can also temporarily not present the insurance information to avoid inappropriately disturbing the user, and the mobile device 120 can present the insurance information after the user performs certain simple operations.
  • the user 110 can trigger the presentation of insurance information through a shaking operation, and the shaking operation will inevitably be sensed by the vibration sensor of the mobile device 120, so the presentation of insurance information can be performed by the signal from the vibration sensor. trigger.
  • the presented insurance information may be image content.
  • the virtual key on the mobile device 120 may generate an insurance card in a graphical manner for the user 110 to browse.
  • insurance information can also be presented in the form of sound, or both in the form of images and sound.
  • FIG. 3 shows a flowchart of a process 300 of generating insurance information according to an embodiment of the present disclosure.
  • the process 300 may be implemented in the scenario 100 in FIG. 1.
  • the process 300 involves the mobile device 120, the in-vehicle device 131 of the vehicle 130, and the server 140.
  • the mobile device 120 may obtain the first information from the data stored therein.
  • the first information may include at least one of the following items: location information input at the mobile device 120; a selection operation on the historical destination of the vehicle received at the mobile device 120, the historical destination of the vehicle is based on the historical driving of the vehicle It is determined by the route; a short message indicating the location information and the travel time associated with the trip; and the itinerary information indicating the travel time and the destination of the trip.
  • the mobile device 120 may receive second information, which is obtained via the on-board device 131 of the vehicle 130.
  • the second information may include at least one of the following items: current location information of the vehicle 130, navigation information of the vehicle 130, and status information of the vehicle 130.
  • the navigation information of the vehicle 130 may include at least one of the following: a historical route of the vehicle 130 and an expected route of the vehicle 130.
  • the condition information of the vehicle 130 may include at least one of the following: the mileage of the vehicle 130, the operating life of the vehicle 130, the historical insurance of the vehicle 130, the current usage parameters of the vehicle 130, and the maintenance status of the vehicle 130.
  • the mobile device 120 determines that at least one of the first information and the second information is associated with a trip of the vehicle 130 within a predetermined time range in the future.
  • determining that at least one of the first information and the second information is associated with travel within a predetermined time range in the future may include: identifying time information in the at least one piece of information and a location associated with the time information; and responding To determine whether the identified time information is within a predetermined time range in the future, it is determined whether at least one of the following predetermined conditions is met: the distance between the identified position and the current position of the vehicle 130 is less than or equal to a predetermined distance threshold, and the identified position is included in In the historical travel path of the vehicle 130; in response to determining that the predetermined condition is met, it is determined that the at least one piece of information is associated with a travel within a predetermined time range in the future.
  • the mobile device 120 determines that at least one of the first information and the second information is associated with the trip of the vehicle 130 within a predetermined time range in the future, the mobile device 120 will compare at least one of the first information and the second information The information is sent to the server 140.
  • the mobile device 120 receives from the server 140 insurance information associated with the transmitted at least one piece of information.
  • the insurance information may be determined by the server 140 based on at least one piece of information received, and the insurance information may include at least one of the following: insurance information associated with the repair of the vehicle 130; insurance information associated with the breakdown of the vehicle 130; and Insurance information associated with the time identified based on the at least one piece of information.
  • the mobile device 120 presents the received insurance information.
  • the presentation of the received insurance information by the mobile device 120 may include: displaying an operable icon for indicating insurance associated with the travel of the vehicle 130, and the operable icon is used for receiving information about sending information associated with the insurance to the server 140 Entry of the order.
  • presenting the received insurance information may include: if the vibration sensor of the mobile device 120 detects that reciprocating vibration occurs, the mobile device 120 presents the received insurance information in the form of at least one of a sound and an image.
  • the insurance that the user may need during the self-driving trip can be automatically determined based on the travel-related information in the user's mobile device and the vehicle's in-vehicle device.
  • the mobile device 120 can select and judge the data stored by itself and the data from the on-board equipment, so as to eliminate interference information and obtain more accurate information about the user's self-driving trip, which can make the determined insurance more accurate for the user And effective.
  • the method according to the embodiment of the present disclosure can automatically push such insurance information to the user's mobile device. In the process of generating insurance information, users do not need to perform any specific operations specifically for insurance.
  • the user can trigger the mobile device to present the insurance information without any operation or only through a very simple operation (for example, shaking).
  • a very simple operation for example, shaking
  • the user sees or hears, or sees and hears the insurance information at the same time, he only needs to perform a simple confirmation operation to purchase the insurance required during the driving of the vehicle.
  • the embodiments of the present disclosure can obtain the destination and time of the user's future driving of the vehicle in a variety of ways, thereby generating insurance information that accurately matches the future itinerary, and the user can conveniently view and select the insurance information with the help of a mobile device .
  • the embodiments of the present disclosure increase the possibility for the user to purchase self-driving travel insurance, and effectively improve the user’s Travel experience.
  • FIG. 4 shows a schematic block diagram of a device 400 capable of implementing an embodiment of the present disclosure.
  • the device 112 shown in FIG. 1 may be implemented by the device 400.
  • the device 400 includes a central processing unit (CPU) 401, which can be loaded according to computer program instructions stored in a read only memory (ROM) 402 or loaded from a storage unit 408 to a random access memory (RAM) 403. Program instructions to perform various appropriate actions and processing.
  • ROM read only memory
  • RAM random access memory
  • RAM 403 various programs and data required for the operation of the device 400 can also be stored.
  • the CPU 401, the ROM 402, and the RAM 403 are connected to each other through a bus 404.
  • An input/output (I/O) interface 405 is also connected to the bus 404.
  • the I/O interface 405 Multiple components in the device 400 are connected to the I/O interface 405, including: an input unit 406, such as a keyboard, etc.; an output unit 407, such as various types of displays, speakers, etc.; a storage unit 408, such as an optical disc, etc.; and a communication unit 409, such as network card, modem, wireless communication transceiver, etc.
  • the communication unit 409 allows the device 400 to exchange information/data with other devices through a computer network such as the Internet and/or various telecommunication networks.
  • the method 200 may be executed by the processing unit 401.
  • the method 200 may be implemented as a computer software program, which is tangibly contained in a machine-readable medium, such as the storage unit 408.
  • part or all of the computer program may be loaded and/or installed on the device 400 via the ROM 402 and/or the communication unit 409.
  • the computer program is loaded into the RAM 403 and executed by the CPU 401, one or more actions of the method 200 described above can be executed.
  • the present disclosure may be a method, device, system and/or computer program product.
  • the computer program product may include a computer-readable storage medium loaded with computer-readable program instructions for executing various aspects of the present disclosure.
  • the computer-readable storage medium may be a tangible device that can hold and store instructions used by the instruction execution device.
  • the computer-readable storage medium may be, for example, but not limited to, an electrical storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing.
  • Non-exhaustive list of computer-readable storage media include: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM) Or flash memory), static random access memory (SRAM), portable compact disk read-only memory (CD-ROM), digital versatile disk (DVD), memory stick, floppy disk, mechanical encoding device, such as a printer with instructions stored thereon
  • RAM random access memory
  • ROM read-only memory
  • EPROM erasable programmable read-only memory
  • flash memory flash memory
  • SRAM static random access memory
  • CD-ROM compact disk read-only memory
  • DVD digital versatile disk
  • memory stick floppy disk
  • mechanical encoding device such as a printer with instructions stored thereon
  • the computer-readable storage medium used here is not interpreted as the instantaneous signal itself, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through waveguides or other transmission media (for example, light pulses through fiber optic cables), or through wires Transmission of electrical signals.
  • the computer-readable program instructions described herein can be downloaded from a computer-readable storage medium to various computing/processing devices, or downloaded to an external computer or external storage device via a network, such as the Internet, a local area network, a wide area network, and/or a wireless network.
  • the network may include copper transmission cables, optical fiber transmission, wireless transmission, routers, firewalls, switches, gateway computers, and/or edge servers.
  • the network adapter card or network interface in each computing/processing device receives computer-readable program instructions from the network, and forwards the computer-readable program instructions for storage in the computer-readable storage medium in each computing/processing device .
  • the computer program instructions used to perform the operations of the present disclosure may be assembly instructions, instruction set architecture (ISA) instructions, machine instructions, machine-related instructions, microcode, firmware instructions, state setting data, or in one or more programming languages.
  • Source code or object code written in any combination, the programming language includes object-oriented programming languages such as Smalltalk, C++, etc., and conventional procedural programming languages such as "C" language or similar programming languages.
  • Computer-readable program instructions can be executed entirely on the user's computer, partly on the user's computer, executed as a stand-alone software package, partly on the user's computer and partly executed on a remote computer, or entirely on the remote computer or server carried out.
  • the remote computer can be connected to the user's computer through any kind of network-including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computer (for example, using an Internet service provider to connect to the user's computer) connection).
  • LAN local area network
  • WAN wide area network
  • an electronic circuit such as a programmable logic circuit, a field programmable gate array (FPGA), or a programmable logic array (PLA), can be customized by using the status information of the computer-readable program instructions.
  • FPGA field programmable gate array
  • PDA programmable logic array
  • the computer-readable program instructions are executed to realize various aspects of the present disclosure.
  • These computer-readable program instructions can be provided to the processing unit of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so as to produce a machine that makes these instructions when executed by the processing unit of the computer or other programmable data processing device , A device that implements the functions/actions specified in one or more blocks in the flowcharts and/or block diagrams is produced. It is also possible to store these computer-readable program instructions in a computer-readable storage medium. These instructions make computers, programmable data processing apparatuses, and/or other devices work in a specific manner. Thus, the computer-readable medium storing the instructions includes An article of manufacture, which includes instructions for implementing various aspects of the functions/actions specified in one or more blocks in the flowcharts and/or block diagrams.
  • each block in the flowchart or block diagram may represent a module, program segment, or part of an instruction, and the module, program segment, or part of an instruction contains one or more components for realizing the specified logical function.
  • Executable instructions may also occur in a different order than the order marked in the drawings. For example, two consecutive blocks can actually be executed substantially in parallel, or they can sometimes be executed in the reverse order, depending on the functions involved.
  • each block in the block diagram and/or flowchart, and the combination of the blocks in the block diagram and/or flowchart can be implemented by a dedicated hardware-based system that performs the specified functions or actions Or it can be realized by a combination of dedicated hardware and computer instructions.

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Abstract

一种保险信息的方法、移动设备和计算机可读存储介质。该方法包括：在移动设备处，从所存储的数据中获取第一信息（201）；接收第二信息，该第二信息经由车辆的车载设备所获得，车辆与移动设备相关联（202）；响应于确定第一信息和第二信息中的至少一个信息与未来的预定时间范围内的车辆的出行相关联（203），将第一信息和第二信息中的至少一个信息发送给服务器（204）；从服务器接收与所发送的至少一个信息相关联的保险信息（205）；以及呈现所接收的保险信息（206）。所述方法能够在用户驾驶车辆出行前向用户自动提供与出行相关联的、准确的保险信息，以简化用户操作并且提升用户的自驾出行体验。

Description

用于生成保险信息的方法、移动设备和计算机可读存储介质 技术领域
本公开的实施例总体涉及车联网技术领域，更具体地，涉及一种用于生成保险信息的方法及其设备。
背景技术
目前，用户在驾驶车辆外出旅游或出行时可能需要购买保险。但是，保险的险种和要求通常较为复杂，用户要花费较多的时间来确定在未来的行程中可能存在哪些风险以及进一步确定需要购买哪些保险。此外，购买保险的程序也较为繁琐。例如，即使在通过互联网购买保险的情况下，用户仍然需要下载专门的软件或应用程序来进行较为复杂的操作。在这样的情况下，用户在出行前需要花费大量时间来了解和购买相应的保险，或者用户可能会直接放弃购买保险的计划。
另一方面，车联网技术仍然在不断的更新和发展。车联网技术能够借助于信息通信技术来实现车与车、车与人、车与服务平台等之间的互联，这为用户提供了更加舒适、智能和高效的交通服务和驾驶体验。通过诸如智能手机的移动设备，用户可以与车辆和服务器(例如云平台)进行交互，从而可以对车辆进行一些操作，还可以获取来自车辆和服务器的信息以辅助驾驶或者出行。然而，车联网技术的应用仍然十分有限，存在利用该技术向用户提供更多智能服务的需要。
发明内容
为了解决上述问题，本公开的实施例旨在提供一种用于生成保险信息的方法、移动设备和计算机可读存储介质。通过本公开的实施例，能够以多种方式获知用户在未来时间段中驾驶车辆出行的行 程安排，从而能够在用户出行前有针对性地向用户自动提供与未来出行相匹配的、更加准确的保险信息。此外，在本公开的实施例中，所提供的这些保险信息可以不受车辆当前位置和当前时间的限制，而可以直接与用户自驾所前往的目的地以及未来自驾出行的时间相关联，并且用户可以更加方便地查看和选择这些保险信息，从而简化了用户操作并且提升用户的出行体验。
在本公开的第一方面中，提供了一种用于生成保险信息的方法，包括：在移动设备处，从所存储的数据中获取第一信息；接收第二信息，该第二信息经由车辆的车载设备所获得，车辆与移动设备相关联；响应于确定第一信息和第二信息中的至少一个信息与未来的预定时间范围内的车辆的出行相关联，将第一信息和第二信息中的至少一个信息发送给服务器；从服务器接收与所发送的至少一个信息相关联的保险信息；以及呈现所接收的保险信息。
在本公开的第二方面中，提供了一种用于生成保险信息的移动设备，包括：至少一个处理器；以及与至少一个处理器耦合的存储器，该存储器包含有存储于其中的指令，该指令在被所述至少一个处理器执行时，使得移动设备执行动作，该动作包括：在移动设备处，从所存储的数据中获取第一信息；接收第二信息，该第二信息经由车辆的车载设备所获得，车辆与移动设备相关联；响应于确定第一信息和第二信息中的至少一个信息与未来的预定时间范围内的车辆的出行相关联，将第一信息和第二信息中的至少一个信息发送给服务器；从服务器接收与所发送的至少一个信息相关联的保险信息；以及呈现所接收的保险信息。
在本公开的第三方面中，提供了一种计算机可读存储介质。计算机可读存储介质上存储有计算机程序，计算机程序被处理器执行时实现根据第一方面的方法。
应当理解，发明内容部分中所描述的内容并非旨在限定本公开内容的实施方式的关键或重要特征，亦非用于限制本公开内容的范围。本公开内容的其它特征将通过以下的描述变得容易理解。
附图说明
结合附图并参考以下详细说明，本公开内容的各实施方式的上述和其他特征、优点及方面将变得更加明显。在附图中，相同或相似的附图标记表示相同或相似的元素，其中：
图1示出了本公开的实施例可以在其中被实现的场景100的示意图。
图2示出根据本公开的实施例的用于生成保险信息的方法200的过程框图。
图3示出了根据本公开的实施例的生成保险信息的过程300的流程图。
图4示出了能够实施本公开的实施例的设备400的示意性框图。
具体实施方式
下面将参照附图更详细地描述本公开内容的实施方式。虽然附图中显示了本公开内容的某些实施方式，然而应当理解的是，本公开内容可以通过各种形式来实现，而且不应该被解释为限于这里阐述的实施方式，相反提供这些实施方式是为了更加透彻和完整地理解本公开内容。应当理解的是，本公开内容的附图及实施方式仅用于示例性作用，并非用于限制本公开内容的保护范围。
在本公开内容的实施方式的描述中，术语“包括”及其类似用语应当理解为开放性包含，即“包括但不限于”。术语“基于”应当理解为“至少部分地基于”。术语“一个实施例/实施方式”或“该实施例/实施方式”应当理解为“至少一个实施例/实施方式”。术语“第一”、“第二”等等可以指代不同的或相同的对象。下文还可能包括其他明确的和隐含的定义。
如上所述，目前用户在驾驶车辆出行前需要花费大量的时间来确定如何购买保险，或者用户为了节省时间而直接放弃购买保险。本公开的实施例提出了借助于车联网技术来生成保险信息的解决方 案。该解决方案能够自主分析用户的车辆和移动设备处的数据，从而判断用户是否可能出行，并且确定出行的路线和目的地。利用先进的车联网技术，可以对出行数据进行分析，以找出匹配的保险方案，并且将该保险方案以适当的方式通过移动设备呈现给用户。由于用户可以以多种方式获得用户未来出行的具体的目的地和时间，因此，用户所获取的保险可以与未来出行的具体行程和时间准确匹配，而不会受限于用户或者车辆当前的位置和时间。此外，用户可以方便地在诸如手机的移动终端上获得匹配的保险信息，并且在此过程中不需要进行任何操作或者仅需要简单的操作。随后，通过简单点击操作，用户可以在驾驶车辆出行之前购买到与未来出行匹配的保险。
以下将参考附图来详细描述本公开的实施例。参见图1，图1示出了本公开的实施例可以在其中被实现的场景100的示意图。场景100包括用户110、移动设备120、车辆130和服务器140。
移动设备120可以用于执行根据本公开的实施例的用于生成保险信息的方法。移动设备120可以由用户110进行操作，并且可以与车辆130和服务器140进行通信。移动设备120可以是包括智能手机、智能可穿戴设备、平板计算机或笔记本计算机等的移动终端。移动设备120可以被配置为实现车辆130的虚拟钥匙的功能。虚拟钥匙指的是安装在移动设备中的软件或应用程序。移动设备120通过虚拟钥匙可以利用任何适当的通信技术与车辆130和服务器140进行通信。该通信技术例如可以是近场通信(NFC)、蓝牙(Bluetooth)的近程通信，也可以是远程通信。当用户对虚拟钥匙进行操作(例如输入命令或者点击实体或虚拟按键)时，移动设备120可以与车辆130和服务器140进行通信，以实现一些功能。例如，移动设备120可以对车辆130进行一些遥控操作，这些操作例如可以包括车辆130的车门的开锁和闭锁、车辆130的点火、车内座椅的调节、车辆音频和视频设备的调节等。移动设备120还可以向服务器140发出请求，以获得必要的驾驶信息(例如，道路状况、天气情况、附近 车辆的信息以及诸如加油站、服务区的交通设施信息)。另一方面，利用虚拟钥匙，移动设备120可以从车辆130和服务器140获取信息。例如，移动设备120可以从车辆130获取与车辆相关联的各种数据，或者移动设备120可以从服务器140获取各种服务信息。当用户需要时，移动设备120可以将所获取的信息以一定形式(诸如声音或图像)呈现给用户，从而给用户提供必要的服务。
车辆130可以包括车载设备131，其可以是搭载在车辆130上的电子设备。车载设备131可以包括通信装置。车辆130通过车载设备131的通信装置可以与移动设备120和服务器140进行通信。此外，车载设备131还可以包括定位装置(例如，GPS设备)、显示设备(例如，液晶显示器)等设备。车载设备131还能够与驾驶员进行交互，以便辅助驾驶员对车辆进行操作。例如，车载设备131能够计算并且显示导航路线，以引导驾驶员驾驶车辆前往目的地。在一些情况下，车载设备131能够实现对车辆内的部分装置的控制功能。例如，当车载设备131接收到来自移动设备120的命令时，车载设备131可以对车门的开锁和闭锁进行控制，可以对车内的音频和视频设备进行适当控制。车载设备131可以包括存储装置，以存储与车辆相关联的数据，例如车辆的出行历史、车辆的状况信息等。根据需要，车载设备131可以将其存储装置所存储的数据发送给移动设备120和服务器140。
服务器140可以例如是云服务器，并且可以与移动设备120和车辆130进行通信，以从移动设备120和车辆130接收请求或数据，并且将数据或信息发送给移动设备120和车辆130。服务器140可以具有包含保险数据的数据库，或者服务器140可以与包含保险数据的数据库进行通信。由此，服务器140可以将必要的信息或数据提供给该数据库，并且从该数据库获得匹配的保险信息。
通过上述内容可以看出，图1中的场景100实际上提供了一种车联网的应用场景。通过该应用场景，用户110、移动设备120、车辆130(包括车载设备131)以及服务器140可以实现互联和信息共 享。然而，场景100所并非是限制性的。在一些实施例中，场景100可以包括其他必要的设备，例如位于路侧的道路辅助设备(诸如包括相机的电子装置)。此外，用户110、移动设备120、车辆130以及服务器140的数目也可以是任何合适的数目，而不受图1所示的数目的限制。
下面将参考图1和图2对本公开的实施例的进行详细描述。图2示出根据本公开的实施例的用于生成保险信息的方法200的过程框图。方法200可以由移动设备120来实施。方法200还可以包括未示出的附加动作和/或可以省略所示出的动作，本公开的范围在此方面不受限制。
在框201，在移动设备120处，从所存储的数据中获取第一信息。具体而言，移动设备120所存储的数据中可能包含用户110的出行数据。通过分析用户的出行数据，可以确定用户驾驶车辆出行的风险，进而确定用户所需要的保险。因此，可以从移动设备120所存储的数据中获取可用的信息。移动设备120所存储的数据可以是用户110在使用移动设备120的过程中所产生的任何数据。例如，当移动设备120是智能手机时，所存储的数据可以是智能手机所接收到的短消息的数据。例如，这些数据还可以是用户110在使用移动设备120的虚拟钥匙时所存储的数据。在一些情况下，这些数据还可以是移动设备120上的导航软件所存储的数据。
在本公开的一些实施例中，第一信息可以包括以下各项中的至少一项：在移动设备120处输入的位置信息；在移动设备120处接收的关于车辆历史目的地的选择操作，车辆历史目的地是基于车辆的历史行驶路径而确定的；指示与出行相关联的位置信息、出行时间的短消息；以及指示出行时间和出行目的地的行程信息。例如，用户可以将驾驶车辆出行的地址输入到移动设备120的虚拟钥匙的钥匙卡片上，并且用户所输入的出行地址可以作为第一信息而被获取。另外，移动设备120的虚拟钥匙可以存有车辆的历史行驶路径(例如，虚拟钥匙的钥匙卡片可以具有地址卡片功能，通过点选该 地址卡片，可以出现车辆出行的历史目的地)，用户可以通过选择历史行驶路径中的历史目的地来确定车辆出行的地址，并且通过这种方式所确定的地址可以作为第一信息而被获取。此外，当用户即将驾驶车辆出行而预订住宿或餐饮后，通常移动设备120会接收到与预订相关的短消息，因此，通过获取这样的短消息，可以获知用户未来驾驶车辆出行的目的地地址。第一信息还包括移动设备120中的行程信息(例如移动设备120的虚拟钥匙或其它应用软件所存储的日程安排)，该行程信息可以指示出行时间和出行目的地。通过获取这些信息，可以预知用户驾驶车辆出行的范围、距离以及可能的路线。
在框202，移动设备120接收第二信息，第二信息经由车辆130的车载设备131所获得，车辆130与移动设备120相关联。具体而言，车辆130的车载设备131上也可能存储有与用户驾驶车辆出行相关的数据。因此，还可以从车辆130的车载设备131上获得与用户的驾驶车辆出行有关的数据。移动设备120可以与车辆130的车载设备131进行直接通信，以获取第二信息。然而，在一些情况下，移动设备120可能无法与车载设备131维持通信连接。例如在移动设备120与车载设备131之间使用近程通信技术进行通信的情况下，当移动设备120距离车载设备131较远时，移动设备120无法通信连接车载设备131。此时，移动设备120从车载设备131获得第二信息的方式也可以是非实时的。也就是说，移动设备120可以在其能够通信连接到车载设备131时尽可能地从车载设备131获得最新的数据。
在本公开的一些实施例中，第二信息包括以下各项中的至少一项：车辆130的当前位置信息、车辆130的导航信息以及车辆130的状况信息。具体而言，车辆130的当前位置信息、导航信息和状况信息都可能有助于确定未来驾驶车辆出行的风险，因此，可以从车载设备131获得这些信息，以提供给移动设备120。
在本公开的一些实施例中，车辆130的导航信息包括以下各项 中的至少一项：车辆的历史路线和车辆的预期路线。车辆的历史路线和预期路线可以指示获得的信息是否与未来的驾驶车辆出行相关联，并且有助于确定可能的风险。例如，通过分析车辆的路线，可以确定出行时的车辆所需要行驶的距离并且确定车辆需要经过哪些路段。这些路段例如可能是高速公路、普通公路，或者可能经过山区、荒漠或者河流。对于不同类型的路段，车辆的行驶可能存在不同的风险。
在本公开的一些实施例中，车辆130的状况信息包括以下各项中的至少一项：车辆130的行驶里程、车辆130的行驶年限、车辆130的历史保险、车辆130的当前使用参数、以及车辆130的维护状况。具体而言，车辆130的历史保险包括车辆曾经购买过的保险信息，这些保险信息可以包括已失效的保险和仍然有效的保险。车辆130的当前使用参数涉及车辆自身的传感器或仪表可以测量的车辆参数信息，例如车辆的油量、胎压、平均车速、油耗等。车辆130的维护状况可以包括车辆的维护保养的信息，例如，车辆的哪些部件近期进行过更换或者维修。这些信息均有助于确定推送什么保险给用户。例如，对于行驶里程高和行驶年限久的车辆，可以加强对人员安全的保险。例如，通过获取历史保险，可以避免推送重复的保险信息，或者提示用户倾向于购买哪些保险。例如，对于很长时间没有维护或保养的车辆的零部件，这些零部件出现问题的概率较高，因此用户可能会需要相应零部件的保险。
在框203，移动设备120确定第一信息和第二信息中的至少一个信息与未来的预定时间范围内的车辆130的出行相关联。具体而言，移动设备120从其自身存储装置或从车载设备131中获取的信息可能存在与驾驶车辆出行不相关的信息干扰。例如，虽然所获取的第一信息和第二信息包含了位置信息，但这样的位置信息并非一定是即将出行的信息，而可能是不相关的信息，或者已经过期的出行信息。错误的信息可能导致为用户推送大量的无效保险信息，这可能会劣化用户体验，并且影响了用户查看有效的保险信息。移动设备 120可以基于所获取的第一信息和第二信息来判断所获取的这些信息是否与即将发生的出行相关联。这可以有效屏蔽一些无用的信息，进而能够为用户提供更加准确的保险信息。
在本公开的一些实施例中，移动设备120确定第一信息和第二信息中的至少一个信息与未来的预定时间范围内的出行相关联包括：标识第一信息和第二信息中的至少一个信息的时间信息以及与该时间信息相关联的位置；以及响应于确定所标识的时间信息在未来的预定时间范围内，确定以下至少一个预定条件是否被满足：所标识的位置与车辆的当前位置的距离小于或者等于预定距离阈值，或者所标识的位置被包括在车辆的历史行驶路径中；响应于确定上述预定条件满足，确定该至少一个信息与未来的预定时间范围内的出行相关联。具体而言，移动设备120可以对所获取的信息中的时间信息以及与该时间信息相关联的位置信息进行标识。移动设备120可以预定义将要驾驶车辆出行的时间范围，并将所标识的时间信息与预定义的时间范围进行比较。如果时间在预定义的出行时间范围内，则可以进一步基于预定条件来确定所标识的、与该时间相关联的位置信息是否可用。该预定条件可以包括判断所标识的位置与车辆的当前位置的距离。如果所标识的位置与车辆的当前位置的距离小于预定距离阈值，则可以确定所标识的位置是可用的位置信息，即这个位置是用户在未来预定时间范围内驾驶车辆可能抵达的位置。该预定距离阈值例如可以基于车辆的正常车速和车辆的行驶时间来定义。然而，本领域技术人员可以理解，也可以根据需要而由用户以任何适当的方式来定义预定距离阈值。此外，上述预定条件还可以包括确定所标识的位置是否被包括在车辆的历史行驶路径中。如果所标识的位置是车辆曾经到达过的位置，则也可以认为所标识的位置是可用的，即该位置是用户在未来预定的时间范围内可能抵达的位置。这种方式利用了历史数据，可以有效的降低移动设备的计算量，提高了效率。可以理解的是，预定条件并不限于上述类型，本领域技术人员也可以根据需要而增加其它的预定条件。在 确定的预定条件被满足后，移动设备120可以确定所获取的信息与未来的预定时间范围内的出行相关联。
例如，用户的手机收到了用户预订酒店的短消息，该短信息包括酒店的地址和入住的时间。例如，该短消息显示酒店是位于浙江千岛湖的A酒店，入住时间为2019年10月29日。移动设备120的虚拟钥匙可以获取这样短消息，并且标识出上述时间信息。例如，可以设定预定义的时间范围为10月28日至10月30日，则上述时间信息在预定义的时间范围内。由此，可以进一步判断该短消息的位置信息是否有效。如果千岛湖的A酒店与用户的当前位置小于预定距离阈值，则意味着用户能够驾驶车辆抵达该酒店，因此该位置是有效的信息。此外，如果移动设备120的虚拟钥匙中的历史行驶路径显示用户曾经驾驶车辆到达过这个位置，则也可以指示用户在预定时间范围内可能抵达该酒店。随后，可以确定关于千岛湖的A酒店的位置信息是与未来的预定时间范围内的出行相关联的有效信息。如果所标识的时间信息在预定时间范围之外，或者所标识的时间信息在预定时间范围内，但是与时间相关的位置无法满足预定条件，则移动设备120可以确定这个信息(例如上述短消息)是无效信息。
在框204，如果确定第一信息和第二信息中的至少一个信息与未来的预定时间范围内的车辆130的出行相关联，将第一信息和第二信息中的至少一个信息发送给服务器140。具体而言，如果从移动设备120自身收集到的信息和从车载设备131收集到的信息是有效的出行信息，则可以将这些信息发送给服务器140。
在框205，从服务器140接收与所发送的至少一个信息相关联的保险信息。如上文所提及的，服务器140可以具有包含保险数据的数据库，或者服务器140可以与包含保险数据的数据库进行通信。由此，服务器140可以根据来自移动设备120的信息来提供合适的、驾驶车辆的出行保险。
在本公开的一些实施例中，保险信息是服务器基于所接收的至 少一个信息而确定的，该保险信息包括以下至少一项：与车辆的修理相关联的保险信息；与车辆的抛锚相关联的保险信息；以及与基于所述至少一个信息而识别的时间相关联的保险信息。例如，如果车辆经过的路段的路况差，发动机故障或轮胎破损风险高，则服务器140可以基于这些信息而提供与发动机维修以及换胎或补胎服务相关的保险；如果车辆经过路线较为拥堵，则服务器140可以提供与堵车或者住宿延期相关的保险；如果车辆经过追尾或剐蹭的高风险路段，则可以提供与车辆外观维修相关的保险。此外，服务器140还可以根据来自移动设备120的信息而提供与人员安全有关的保险信息。此外，保险信息还可以包括与基于从所获取的信息而识别的时间相关联的保险信息。例如，保险信息可以包括用户自驾出行期间保险所覆盖的时间范围，由此用户可以根据需要来灵活选择所购买的保险的时间范围。可以理解的是，上面的描述不是限制性的，服务器140可以根据需要而提供任何必要的保险信息。
在框206，移动设备120可以呈现所接收的保险信息。具体而言，移动设备120在接收到来自服务器140的保险信息后，可以向用户110呈现这些保险信息。例如，这些保险信息可以借助于移动设备120上的虚拟钥匙来呈现。这些保险信息的呈现可以不需要任何触发或操作。例如，当移动设备120接收到保险信息后，可以通过亮屏的方式来提醒用户110进行查看。可以理解的是，保险信息也可以在经过一定的触发和操作后呈现在移动设备120上。
在本公开的一些实施例中，由移动设备120呈现所接收的保险信息包括：显示用于指示与车辆130的出行相关联的保险的可操作图标，该可操作图标用于接收关于向服务器140发送与保险相关联的订单的输入。具体而言，在用户的行程安排完毕后(例如用户在虚拟钥匙的钥匙卡片上输入了行程地址，或者用户通过互联网预订酒店并收到了反馈的短消息)，移动设备120的虚拟钥匙可以以图形化的方式向用户提示行程所涉及的保险信息。例如，用户可以周五的晚上将周六和周日自驾出行的目的地地址输入到虚拟钥匙的钥 匙卡片里，在完成行程地址的输入之后，用户的、诸如手机的移动设备120可以以保险卡片的形式直观地呈现保险信息，其可以包括保险权益和费用(例如，短期车损险和人身意外保险组合28元/天)。随后，用户通过点击或者以任何方式选中上述可操作图标即可完成保险的购买。
在本公开的一些实施例中，例如，如果移动设备120中的振动传感器监测到发生往复式振动，以声音和图像中的至少一种的形式呈现所接收的保险信息。移动设备120在接收到服务器140所推送的保险信息时，也可以暂时不呈现这些保险信息，以避免不适当地打扰用户，并且移动设备120可以在用户进行一定的简单操作后再呈现这些保险信息。例如，用户110可以通过摇一摇的操作来触发保险信息的呈现，并且摇一摇的操作必然会被移动设备120的振动传感器所感测到，因此保险信息的呈现可以通过来自振动传感器的信号来触发。被呈现的保险信息可以是图像内容。例如，移动设备120上的虚拟钥匙可以以图形化的方式生成保险卡片以供用户110浏览。此外，保险信息也可以以声音的方式来呈现，或者同时以图像和声音的方式来呈现。
图3示出了根据本公开的实施例的生成保险信息的过程300的流程图。过程300可以在图1中的场景100中被实现。过程300涉及移动设备120、车辆130的车载设备131以及服务器140。
在301，移动设备120可以从其所存储的数据中获取第一信息。第一信息可以包括以下各项中的至少一项：在移动设备120处输入的位置信息；在移动设备120处接收的关于车辆历史目的地的选择操作，车辆历史目的地是基于车辆的历史行驶路径而确定的；指示与出行相关联的位置信息、出行时间的短消息；以及指示出行时间和出行目的地的行程信息。
在302，移动设备120可以接收第二信息，该第二信息经由车辆130的车载设备131所获得。该第二信息可以包括以下各项中的至少一项：车辆130的当前位置信息、车辆130的导航信息以及车辆130 的状况信息。车辆130的导航信息可以包括以下各项中的至少一项：车辆130的历史路线和车辆130的预期路线。车辆130的状况信息可以包括以下各项中的至少一项：车辆130的行驶里程、车辆130的行驶年限、车辆130的历史保险、车辆130的当前使用参数、以及车辆130的维护状况。
在303，移动设备120确定第一信息和第二信息中的至少一个信息与未来的预定时间范围内的车辆130的出行相关联。其中，确定第一信息和第二信息中的至少一个信息与未来的预定时间范围内的出行相关联可以包括：标识该至少一个信息中的时间信息和与该时间信息相关联的位置；以及响应于确定所标识的时间信息在未来的预定时间范围内，确定以下至少一个预定条件是否满足：所标识的位置与车辆130的当前位置的距离小于或者等于预定距离阈值，以及所标识的位置包括在车辆130的历史行驶路径中；响应于确定预定条件满足，确定该至少一个信息与未来的预定时间范围内的出行相关联。
在304，如果移动设备120确定第一信息和第二信息中的至少一个信息与未来的预定时间范围内的车辆130的出行相关联，移动设备120将第一信息和第二信息中的至少一个信息发送给服务器140。
在305，移动设备120从服务器140接收与所发送的至少一个信息相关联的保险信息。保险信息可以是服务器140基于所接收的至少一个信息而确定的，保险信息可以包括以下至少一项：与车辆130的修理相关联的保险信息；与车辆130的抛锚相关联的保险信息；以及与基于该至少一个信息而识别的时间相关联的保险信息。
在306，移动设备120呈现所接收的保险信息。其中，由移动设备120呈现所接收的保险信息可以包括：显示用于指示与车辆130的出行相关联的保险的可操作图标，该可操作图标用于接收关于向服务器140发送与保险相关联的订单的输入。此外，呈现所接收的保险信息可以包括：如果移动设备120的振动传感器监测到发生往复式振动，移动设备120以声音和图像中的至少一种的形式呈现所 接收的保险信息。
通过本公开的实施例的方法，在用户即将驾驶车辆出行之前，可以基于用户的移动设备和车辆的车载设备中的与出行相关联的信息，来自动确定用户在自驾出行期间可能需要的保险。移动设备120可以对其自身所存储的数据和来自车载设备的数据进行选择和判断，从而排除干扰信息，并且获得更加精准的用户自驾出行信息，这可以使得所确定的保险对用户而言更加准确和有效。此外，根据本公开的实施例的方法可以将这样的保险信息自动推送给用户的移动设备。在保险信息的生成过程中，用户不需要专门针对保险进行任何的特定操作。在移动设备获得保险信息之后，用户可以无需任何操作或者仅通过非常简单的操作(例如摇一摇)而触发移动设备呈现这些保险信息。用户看到或听到、或者同时看到和听到这些保险信息后，只需要进行简单的确定操作就可以购买驾驶车辆出行期间所需要的保险。本公开的实施例能够以多种方式获得用户未来驾驶车辆出行的目的地和时间，从而生成与未来的行程安排准确匹配的保险信息，并且用户能够借助于移动设备方便地查看和选择这些保险信息。由于获得的保险信息与用户未来自驾旅游的行程安排高度匹配，以及大大简化了用户购买自驾旅游保险的操作，本公开的实施例提高了用户购买自驾旅游保险的可能性，并且有效改善了用户的出行体验。
图4示出了能够实施本公开的实施例的设备400的示意性框图。例如，如图1所示的设备112可以由设备400来实施。如图所示，设备400包括中央处理单元(CPU)401，其可以根据存储在只读存储器(ROM)402中的计算机程序指令或者从存储单元408加载到随机访问存储器(RAM)403中的计算机程序指令，来执行各种适当的动作和处理。在RAM 403中，还可存储设备400操作所需的各种程序和数据。CPU 401、ROM 402以及RAM 403通过总线404彼此相连。输入/输出(I/O)接口405也连接至总线404。
设备400中的多个部件连接至I/O接口405，包括：输入单元406， 例如键盘等；输出单元407，例如各种类型的显示器、扬声器等；存储单元408，例如光盘等；以及通信单元409，例如网卡、调制解调器、无线通信收发机等。通信单元409允许设备400通过诸如因特网的计算机网络和/或各种电信网络与其他设备交换信息/数据。
上文所描述的各个过程和处理，例如方法200可由处理单元401执行。例如，在一些实施例中，方法200可被实现为计算机软件程序，其被有形地包含于机器可读介质，例如存储单元408。在一些实施例中，计算机程序的部分或者全部可以经由ROM 402和/或通信单元409而被载入和/或安装到设备400上。当计算机程序被加载到RAM 403并由CPU 401执行时，可以执行上文描述的方法200的一个或多个动作。
本公开可以是方法、装置、系统和/或计算机程序产品。计算机程序产品可以包括计算机可读存储介质，其上载有用于执行本公开的各个方面的计算机可读程序指令。
计算机可读存储介质可以是可以保持和存储由指令执行设备使用的指令的有形设备。计算机可读存储介质例如可以是――但不限于――电存储设备、磁存储设备、光存储设备、电磁存储设备、半导体存储设备或者上述的任意合适的组合。计算机可读存储介质的更具体的例子(非穷举的列表)包括：便携式计算机盘、硬盘、随机存取存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、静态随机存取存储器(SRAM)、便携式压缩盘只读存储器(CD-ROM)、数字多功能盘(DVD)、记忆棒、软盘、机械编码设备、例如其上存储有指令的打孔卡或凹槽内凸起结构、以及上述的任意合适的组合。这里所使用的计算机可读存储介质不被解释为瞬时信号本身，诸如无线电波或者其他自由传播的电磁波、通过波导或其他传输媒介传播的电磁波(例如，通过光纤电缆的光脉冲)、或者通过电线传输的电信号。
这里所描述的计算机可读程序指令可以从计算机可读存储介质下载到各个计算/处理设备，或者通过网络、例如因特网、局域网、 广域网和/或无线网下载到外部计算机或外部存储设备。网络可以包括铜传输电缆、光纤传输、无线传输、路由器、防火墙、交换机、网关计算机和/或边缘服务器。每个计算/处理设备中的网络适配卡或者网络接口从网络接收计算机可读程序指令，并转发该计算机可读程序指令，以供存储在各个计算/处理设备中的计算机可读存储介质中。
用于执行本公开操作的计算机程序指令可以是汇编指令、指令集架构(ISA)指令、机器指令、机器相关指令、微代码、固件指令、状态设置数据、或者以一种或多种编程语言的任意组合编写的源代码或目标代码，所述编程语言包括面向对象的编程语言—诸如Smalltalk、C++等，以及常规的过程式编程语言—诸如“C”语言或类似的编程语言。计算机可读程序指令可以完全地在用户计算机上执行、部分地在用户计算机上执行、作为一个独立的软件包执行、部分在用户计算机上部分在远程计算机上执行、或者完全在远程计算机或服务器上执行。在涉及远程计算机的情形中，远程计算机可以通过任意种类的网络—包括局域网(LAN)或广域网(WAN)—连接到用户计算机，或者，可以连接到外部计算机(例如利用因特网服务提供商来通过因特网连接)。在一些实施例中，通过利用计算机可读程序指令的状态信息来个性化定制电子电路，例如可编程逻辑电路、现场可编程门阵列(FPGA)或可编程逻辑阵列(PLA)，该电子电路可以执行计算机可读程序指令，从而实现本公开的各个方面。
这里参照根据本公开实施例的方法、装置(系统)和计算机程序产品的流程图和/或框图描述了本公开的各个方面。应当理解，流程图和/或框图的每个方框以及流程图和/或框图中各方框的组合，都可以由计算机可读程序指令实现。
这些计算机可读程序指令可以提供给通用计算机、专用计算机或其它可编程数据处理装置的处理单元，从而生产出一种机器，使得这些指令在通过计算机或其它可编程数据处理装置的处理单元执行时，产生了实现流程图和/或框图中的一个或多个方框中规定的功 能/动作的装置。也可以把这些计算机可读程序指令存储在计算机可读存储介质中，这些指令使得计算机、可编程数据处理装置和/或其他设备以特定方式工作，从而，存储有指令的计算机可读介质则包括一个制造品，其包括实现流程图和/或框图中的一个或多个方框中规定的功能/动作的各个方面的指令。
也可以把计算机可读程序指令加载到计算机、其它可编程数据处理装置、或其它设备上，使得在计算机、其它可编程数据处理装置或其它设备上执行一系列操作步骤，以产生计算机实现的过程，从而使得在计算机、其它可编程数据处理装置、或其它设备上执行的指令实现流程图和/或框图中的一个或多个方框中规定的功能/动作。
附图中的流程图和框图显示了根据本公开的多个实施例的系统、方法和计算机程序产品的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段或指令的一部分，所述模块、程序段或指令的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发生。例如，两个连续的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也要注意的是，框图和/或流程图中的每个方框、以及框图和/或流程图中的方框的组合，可以用执行规定的功能或动作的专用的基于硬件的系统来实现，或者可以用专用硬件与计算机指令的组合来实现。
以上已经描述了本公开的各实施例，上述说明是示例性的，并非穷尽性的，并且也不限于所披露的各实施例。在不偏离所说明的各实施例的范围和精神的情况下，对于本技术领域的普通技术人员来说许多修改和变更都是显而易见的。本文中所用术语的选择，旨在最好地解释各实施例的原理、实际应用或对市场中的技术的技术改进，或者使本技术领域的其它普通技术人员能理解本文披露的各实施例。

Claims (11)

  1. 一种用于生成保险信息的方法，包括：
    在移动设备处，从所存储的数据中获取第一信息；
    接收第二信息，所述第二信息经由车辆的车载设备所获得，所述车辆与所述移动设备相关联；
    响应于确定所述第一信息和所述第二信息中的至少一个信息与未来的预定时间范围内的所述车辆的出行相关联，将所述第一信息和所述第二信息中的所述至少一个信息发送给服务器；
    从服务器接收与所发送的所述至少一个信息相关联的保险信息；以及
    呈现所接收的保险信息。
  2. 根据权利要求1所述的方法，其中确定所述第一信息和所述第二信息中的所述至少一个信息与未来的预定时间范围内的出行相关联包括：
    标识所述至少一个信息中的时间信息和与所述时间信息相关联的位置；以及
    响应于确定所标识的所述时间信息在所述未来的预定时间范围内，确定以下至少一个预定条件是否满足：
    所标识的所述位置与所述车辆的当前位置的距离小于或者等于预定距离阈值；
    所标识的所述位置被包括在所述车辆的历史行驶路径中；
    响应于确定所述预定条件满足，确定所述至少一个信息与未来的预定时间范围内的出行相关联。
  3. 根据权利要求1所述的方法，其中所述保险信息是所述服务器基于所接收的所述至少一个信息而确定的，所述保险信息包括以下至少一项：
    与所述车辆的修理相关联的保险信息；
    与所述车辆的抛锚相关联的保险信息；以及
    与基于所述至少一个信息而识别的时间相关联的保险信息。
  4. 根据权利要求3所述的方法，其中由所述移动设备呈现所接收的保险信息包括：
    显示用于指示与所述车辆的出行相关联的保险的可操作图标，所述可操作图标用于接收关于向服务器发送与所述保险相关联的订单的输入。
  5. 根据权利要求1所述的方法，其中所述第一信息包括以下各项中的至少一项：
    在所述移动设备处输入的位置信息；在所述移动设备处接收的关于车辆历史目的地的选择操作，所述车辆历史目的地是基于所述车辆的历史行驶路径而确定的；
    指示与出行相关联的位置信息、出行时间的短消息；以及
    指示出行时间和出行目的地的行程信息。
  6. 根据权利要求1所述的方法，其中所述第二信息包括以下各项中的至少一项：
    所述车辆的当前位置信息、所述车辆的导航信息以及所述车辆的状况信息。
  7. 根据权利要求6所述的方法，其中所述车辆的导航信息包括以下各项中的至少一项：车辆的历史路线和车辆的预期路线。
  8. 根据权利要求6所述的方法，其中所述车辆的状况信息包括以下各项中的至少一项：车辆的行驶里程、车辆的行驶年限、车辆的历史保险、车辆的当前使用参数、以及车辆的维护状况。
  9. 根据权利要求1所述的方法，其中呈现所接收的保险信息包括：
    响应于所述移动设备中的振动传感器监测到发生往复式振动，以声音和图像中的至少一种的形式呈现所接收的保险信息。
  10. 一种用于生成保险信息的移动设备，包括：
    至少一个处理器；以及
    与所述至少一个处理器耦合的存储器，所述存储器包含有存储于其中的指令，所述指令在被所述至少一个处理器执行时，使得所述移动设备执行如权利要求1至9中任一项所述的方法的动作。
  11. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被机器执行时实现如权利要求1至9中任一项所述的方法。
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