History.In 1999 March, the China Insurance Regulatory Commission under the leadership of the intelligence, motor vehicle insurance certificate project officially started. In 2001, formulated and issued the "Interim Measures" motor vehicle insurance certificate management, successively in Shenzhen, Shanghai, Jiangsu, Xiamen and other places have issued. Its purpose is to claims basic factors, vehicle factors, human factors, with the marking records, three years and fill card and so on, to prepare for the future rate marketization. 2 years after issuance, at present basically ceased. The actual use of the difficult problems are as follows: 1 with the human factor collection has the certain difficulty, mainly concentrated in the occupation categories, unable to obtain illegal, accident records, and marital status personal hobby belongs to privacy, the customer does not want to fill or acquired data is not true, some information is repeated, such as identity cards for age and gender don't repeat fill. 2 motor vehicle type cannot be encoded, this huge project must be made by the relevant industry such as traffic management bureau, automobile manufacturers association to help, by the insurance industry is not complete. Approach 3 back express information ultimately not just as one wishes. The 4 Shenzhen vehicle insurance market IC card only public information are unified, other are not uniform, such as a card type, machine type. The back of the card express card number 5 inappropriate writing obsolete in gradually increased, and because customers caused by improper storage increase the losing card, lost card phenomenon, and once the client not in the original insurer, resulting in waste of renewal card and so on, fill card annual fee increase year by year. 6 to get the data of poor quality, and low utilization rate two times.

Reality:With the Shanghai City motor vehicle insurance business into the platform work, these problems are solved, it should be said that the conditions are met, the first unified database and information exchange standard. Secondly, the vehicle type can achieve a unified code. The most important is with human factors, after many years of accumulation has been basically mature. Of course, now talk about the purpose and meaning of intelligent motor vehicle insurance certificate is far more than the above content. Realistic significance are: 1, to solve the current platform closed operation, the promotion of public information. The password protection authentication measures, customers can through the network, telephone and other means of query policy, reparations and premium rate information, verify the intermediary institutions, in order to effectively combat counterfeit. 2, customer master data, establishing personal credit archives. 3, improve the efficiency of insurance claims. Can realize the insured single record book, such as automatic generation, coordination between convenient commercial to different companies, mutual touch from paid work to prepare, easy company system around the inside of the claim, reduced a long string of Bao Dan Hao inconvenience. 4, information for relevant departments. For example, tax bureau, Public Security Bureau, City Bureau of hand. To simplify the process of rescue expenses paid in advance. Similar to the function of social security card. 5, is conducive to the development of value-added services, such as payment, indemnity, banks and merchants co branded card, SMS platform and CRM management. To sum up, the intelligent card is an extension of the United information platform, is a bridge of communication with customers, is an important means to protect the interests of policy holders.