CN106231551A - Vehicle insurance based on mobile communications network Claims Resolution method and device - Google Patents
Vehicle insurance based on mobile communications network Claims Resolution method and device Download PDFInfo
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- CN106231551A CN106231551A CN201610619376.XA CN201610619376A CN106231551A CN 106231551 A CN106231551 A CN 106231551A CN 201610619376 A CN201610619376 A CN 201610619376A CN 106231551 A CN106231551 A CN 106231551A
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- 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
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- 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
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
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Abstract
The invention discloses a kind of vehicle insurance based on mobile communications network Claims Resolution method, the method flow process includes: mobile terminal gathers scene of the accident information, and the confirmation of responsibility information of human pilot based on accident vehicle input and scene of the accident information generation accident fix duty information；Claims Resolution request is generated according to the scene of the accident information gathered and accident fix duty information；Mobile terminal sends Claims Resolution request to insurance service platform, based on scene of the accident information and accident fix duty information, vehicle insurance accident is carried out Claims Resolution process for insurance service platform；Receiving the Claims Resolution processing result information that insurance service platform sends, result treatment information of settling a claim stores after associating with Claims Resolution request.The present invention also proposes a kind of vehicle insurance based on mobile communications network Claims Resolution device.The present invention solves in prior art, needs the Insurance Actuary of waiting insurance company to reach on-the-spot could process and cause the technical problem such as traffic congestion, inefficiency when processing the Claims Resolution problem of vehicle accident.
Description
Technical field
The present invention relates to vehicle insurance Claims Resolution technical field, particularly relate to a kind of vehicle insurance based on mobile communications network Claims Resolution method
And device.
Background technology
Along with the fast development of society, stepping up of living standards of the people, it is daily that automobile consumption the most progressively becomes people
A part for life, increasing private car enters our life.Meanwhile, urban transportation slowly becomes to block up,
Vehicle accident occurs the most again and again, has had a strong impact on our work and life.
Traditional traffic accident treatment flow process is tediously long, comprehends typically for the place of vehicle accident and takes following formula: retains
The scene of the accident, waits that traffic police personnel carry out confirmation of responsibility to scene；The cleaning scene of the accident, recovers the coast is clear；Such operation
Pattern is the most loaded down with trivial details and inefficiency, and therefore the most crowded road becomes more to block.Process traffic thing the most fast and efficiently
Therefore become the important subject of current city transport development.
Summary of the invention
The present invention provides a kind of vehicle insurance based on mobile communications network Claims Resolution method and device, and its main purpose is to solve
In prior art, needing the Insurance Actuary of waiting insurance company to reach on-the-spot could process when processing the Claims Resolution problem of vehicle accident
And cause the technical problem such as traffic congestion, inefficiency.
For achieving the above object, the present invention provides a kind of vehicle insurance based on mobile communications network Claims Resolution method, should be based on shifting
The vehicle insurance Claims Resolution method of dynamic communication network includes:
Mobile terminal gathers scene of the accident information, and the confirmation of responsibility information of human pilot based on accident vehicle input with
And described scene of the accident information generation accident fix duty information；
Claims Resolution request is generated according to the described scene of the accident information gathered and described accident fix duty information；
Described mobile terminal sends Claims Resolution request to insurance service platform, for described insurance service platform based on described thing
Therefore field data and described accident fix duty information carry out Claims Resolution process to vehicle insurance accident；
When receive described insurance service platform send for described Claims Resolution request when accepting announcement information, determine institute
State Claims Resolution request and be in the state of accepting.
Alternatively, described scene of the accident information includes that setting loss portion treated by scene of the accident image information or video information and vehicle
The image information of part, described mobile terminal gathers the step of scene of the accident information and includes:
Determine the quantity of accident vehicle, the shooting angle of scene of the accident image and vehicle treats setting loss parts；
Quantity according to described accident vehicle, the shooting angle of described scene of the accident image, in the bat of described mobile terminal
Take the photograph interface display shooting to guide；
Collection scene of the accident image information and described vehicle is guided to treat the image information of setting loss parts according to described shooting.
Alternatively, confirmation of responsibility information and the described scene of the accident of described human pilot based on accident vehicle input is believed
The step of breath generation accident fix duty information includes:
Described mobile terminal receives the preliminary confirmation of responsibility information of the human pilot input of an accident vehicle；
Described scene of the accident information is sent to long-range fix duty center, for described long-range fix duty center according to described accident
Field data carries out instructing fix duty；
Receive the fix duty returned based on described long-range fix duty center and instruct result, and instruct result with described in described fix duty
When preliminary confirmation of responsibility information is consistent, using described preliminary confirmation of responsibility information as described accident fix duty information.
Alternatively, described by before described scene of the accident information transmission to the step at long-range fix duty center, described based on shifting
The vehicle insurance Claims Resolution method of dynamic communication network further comprises the steps of:
Whether detecting receives in prefixed time interval after receiving described preliminary confirmation of responsibility information at the beginning of described
The step contentious confirmation of confirmation of responsibility information；
If receiving the described preliminary contentious confirmation of confirmation of responsibility information, then perform to believe the described scene of the accident
Breath sends to long-range fix duty center, carries out instructing the step of fix duty for described long-range fix duty center according to described scene of the accident information
Suddenly.
Alternatively, whether receive in described detecting prefixed time interval after receiving described preliminary confirmation of responsibility information
After the step to the described preliminary contentious confirmation of confirmation of responsibility information, described vehicle insurance based on mobile communications network
Claims Resolution method also includes:
If not receiving the described preliminary contentious confirmation of confirmation of responsibility information, then by described preliminary confirmation of responsibility
Information is as described accident fix duty information.
Additionally, for achieving the above object, the present invention also provides for a kind of vehicle insurance based on mobile communications network Claims Resolution device, should
Vehicle insurance based on mobile communications network Claims Resolution device includes:
Information acquisition module, is used for gathering scene of the accident information, and the responsibility of human pilot based on accident vehicle input
Qualified information and described scene of the accident information generation accident fix duty information；
Request generation module, for generating reason according to the described scene of the accident information gathered and described accident fix duty information
Pay for request；
Request sending module, for insurance service platform send Claims Resolution request, for described insurance service platform based on
Described scene of the accident information and described accident fix duty information carry out Claims Resolution process to vehicle insurance accident；
Information receiving module, for when receiving the accepting for described Claims Resolution request that described insurance service platform sends
During announcement information, determine that described Claims Resolution request is in the state of accepting.
Alternatively, described information acquisition module is additionally operable to:
Determine the quantity of accident vehicle, the shooting angle of scene of the accident image and vehicle treats setting loss parts；
Quantity according to described accident vehicle, the shooting angle of described scene of the accident image, in the bat of described mobile terminal
Take the photograph interface display shooting to guide；
Collection scene of the accident image information and described vehicle is guided to treat the image information of setting loss parts according to described shooting.
Alternatively, described information acquisition module is additionally operable to:
Receive the preliminary confirmation of responsibility information of the human pilot input of an accident vehicle；
Described scene of the accident information is sent to long-range fix duty center, for described long-range fix duty center according to described accident
Field data carries out instructing fix duty；
Receive the fix duty returned based on described long-range fix duty center and instruct result, and instruct result with described in described fix duty
When preliminary confirmation of responsibility information is consistent, using described preliminary confirmation of responsibility information as described accident fix duty information.
Alternatively, described vehicle insurance based on mobile communications network Claims Resolution device also includes:
Information detecting module, in detecting prefixed time interval after receiving described preliminary confirmation of responsibility information be
No receive the described preliminary contentious confirmation of confirmation of responsibility information；
Described request sending module is additionally operable to: if receiving the described preliminary contentious confirmation letter of confirmation of responsibility information
Breath, then send described scene of the accident information to long-range fix duty center, existing according to described accident for described long-range fix duty center
Field information carries out instructing fix duty.
Alternatively, described information acquisition module is additionally operable to:
If not receiving the described preliminary contentious confirmation of confirmation of responsibility information, then by described preliminary confirmation of responsibility
Information is as described accident fix duty information.
Vehicle insurance based on the mobile communications network Claims Resolution method and device that the present invention proposes, mobile terminal gathers the scene of the accident
Information, confirmation of responsibility information based on vehicle operator's input and scene of the accident information generation accident fix duty information, according to
Scene of the accident information and above-mentioned accident fix duty information generate Claims Resolution request, by Claims Resolution request transmission to insurance service platform, for
Insurance service platform carries out Claims Resolution process according to the information received, and is receiving the Claims Resolution process knot that insurance service platform sends
Really during information, store after it is associated with Claims Resolution request.This logical based on the movement between mobile terminal and insurance service platform
The mode that car accident is settled a claim by news network, it is not necessary to the claims personnel of insurance company processes to scene, Ji Keshi
Now remotely insurance processes, and for the user of accident vehicle, it is not necessary to wait at the scene, it is only necessary to adopted by mobile terminal
Collection scene of the accident information also reaches accident fix duty information in time, and the most not only efficiency is high, and does not results in traffic congestion, solves
Prior art of having determined need the Insurance Actuary of waiting insurance company to reach the spot ability when processing the Claims Resolution problem of vehicle accident
Process and cause the technical problem such as traffic congestion, inefficiency.
Accompanying drawing explanation
Fig. 1 is the flow chart of present invention vehicle insurance based on mobile communications network Claims Resolution method first embodiment；
Fig. 2 is the high-level schematic functional block diagram of present invention vehicle insurance based on mobile communications network Claims Resolution device first embodiment；
Fig. 3 is the high-level schematic functional block diagram of present invention vehicle insurance based on mobile communications network Claims Resolution device the second embodiment.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further referring to the drawings.
Detailed description of the invention
Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
The present invention provides a kind of vehicle insurance based on mobile communications network Claims Resolution method.With reference to shown in Fig. 1, for the present invention based on
The flow chart of the vehicle insurance Claims Resolution method first embodiment of mobile communications network.
In the present embodiment, should vehicle insurance based on mobile communications network Claims Resolution method include:
Step S10, mobile terminal gathers scene of the accident information, and the responsibility of human pilot based on accident vehicle input is recognized
Determine information and described scene of the accident information generation accident fix duty information；
Step S20, generates Claims Resolution request according to the described scene of the accident information gathered and described accident fix duty information；
Step S30, described mobile terminal sends Claims Resolution request to insurance service platform, for described insurance service platform base
In described scene of the accident information and described accident fix duty information, vehicle insurance accident is carried out Claims Resolution process；
Can be provided an insurance service platform by insurance company, this service platform can be disposed on the server, carry simultaneously
For the Claims Resolution application of a vehicle insurance, the Claims Resolution application of this vehicle insurance can run on the mobile terminals such as the mobile phone of user, panel computer, below
Illustrate as a example by mobile phone.
User gathers scene of the accident information and accident fix duty information, wherein, this scene of the accident information by mobile terminal
Traffic injury time, place where the accident occurred point, accident vehicle information, accident pattern etc., wherein accident vehicle information bag can be included
Include accident vehicle picture, accident vehicle essential information etc..This traffic injury time is local zone time during accident generation or network
Time, this traffic injury time can collect by the way of acquisition automatically.This place where the accident occurred point can be the most defeated by user
Enter, it is also possible to carry out location by the locating module of mobile phone and obtain.
Accident vehicle essential information includes type of vehicle, the number-plate number, vehicle identification code (VIN code), Motor Number, insures
Company, driver's name, the phone number of driver, the driver license number etc. of driver, accident vehicle picture is in the scene of the accident
Accident vehicle is carried out the picture that shooting obtains.Accident pattern includes: knock into the back, drive in the wrong direction, move backward, slip car, close door, violation hand over
Messenger, not giving way etc. by regulation, these accident patterns can preset, to facilitate follow-up selection.
After getting above-mentioned scene of the accident information and accident fix duty information, generate Claims Resolution request based on these information,
And send it to insurance service platform, process according to the Claims Resolution request received for insurance service platform.
After insurance service platform receives described Claims Resolution request, judge this vehicle according to the information of vehicles got from which
Whether information has insured in this insurance company.Insurance service platform is provided with data base, in this data base storage have described
The information of the user that this insurance company insures, say, that if this vehicle has been insured in this insurance company, then according to vehicle
Information, the such as number-plate number, company of insuring, driver's name, the phone number of driver or the driver license number etc. of driver
Can be so that data base to match the user profile of insuring of correspondence etc. information.When judging that this vehicle has been insured, just it can be managed
Compensation request processes.
Specifically, the step of mobile terminal collection scene of the accident information includes:
Determine the quantity of accident vehicle, the shooting angle of scene of the accident image and vehicle treats setting loss parts；
Quantity according to described accident vehicle, the shooting angle of described scene of the accident image, in the bat of described mobile terminal
Take the photograph interface display shooting to guide；
Collection scene of the accident image information and described vehicle is guided to treat the image information of setting loss parts according to described shooting.
If the quantity of accident vehicle is two cars, before vehicle pictures shooting angle is respectively as follows: the side of the shooting side of reporting a case to the security authorities vehicle
Side, the rear flank side of the shooting side of reporting a case to the security authorities vehicle, the panorama of the shooting side of reporting a case to the security authorities vehicle, the panorama of shooting opponent vehicle, shooting impact portions
Setting loss parts etc. treated by position, shooting vehicle, guide in shooting interface display shooting, concrete, can be pre-in shooting interface display one
If the floating frame of size, the shape of this floating frame matches with the profile of target vehicle, shoots based on this floating frame so that
Accident vehicle can be photographed in this floating frame by user, to photograph satisfactory photo, i.e. obtains scene of the accident image letter
The image information of setting loss parts treated by breath and vehicle.The follow-up photo according to shooting is facilitated to carry out fix duty or Claims Resolution, above-mentioned floating
Frame can show on shooting interface with various ways such as solid line, dotted line, figure layers.
The confirmation of responsibility information of human pilot based on accident vehicle input and described scene of the accident information generation accident
The step of fix duty information includes:
Described mobile terminal receives the preliminary confirmation of responsibility information of the human pilot input of an accident vehicle；
Described scene of the accident information is sent to long-range fix duty center, for described long-range fix duty center according to described accident
Field data carries out instructing fix duty；
Receive the fix duty returned based on described long-range fix duty center and instruct result, and instruct result with described in described fix duty
When preliminary confirmation of responsibility information is consistent, using described preliminary confirmation of responsibility information as described accident fix duty information.
This preliminary confirmation of responsibility information includes the responsibility type of each accident vehicle, and wherein, responsibility type includes: all responsibility,
Without duty with duty.Illustrate as a example by having three cars in accident, if having a car when confirmation of responsibility is all responsibility, then other two
Car is regarded as automatically without duty；If there being a car to regard as without duty, then other two cars are respectively all responsibility and without duty, or are all
With duty；When there being a car to regard as with when blaming, the responsibility type of other two accident vehicles is respectively with duty or without duty, or is all
With duty.
After user inputs preliminary confirmation of responsibility information on mobile terminals, scene of the accident information is sent in long-range fix duty
The heart, and receive the fix duty that long-range fix duty center returns and instruct result, if this fix duty instructs the preliminary duty of result and user input
Appoint qualified information consistent, then fix duty instructs result as accident fix duty information, fix duty otherwise instructs result fixed as accident
Duty information.
Or, in other embodiments, when the driver of each accident vehicle can reach an agreement for fix duty, permissible
The information responsible first closed by vehicle insurance Claims Resolution application input, and generate accident fix duty information, or when reaching an agreement, by
Traffic police is accident fix duty, and according to the fix duty result of traffic police, generation accident fix duty information.
Step S40, when receive described insurance service platform send for described Claims Resolution request accept announcement information
Time, determine that described Claims Resolution request is in the state of accepting.
Mobile terminal receive insurance service platform send for this Claims Resolution ask when accepting announcement information, determine
This Claims Resolution request passes through the checking of insurance service platform, and this Claims Resolution request is already at the processing stage of Claims Resolution.
Vehicle insurance based on the mobile communications network Claims Resolution method that the present embodiment proposes, mobile terminal gathers scene of the accident letter
Breath, confirmation of responsibility information based on vehicle operator's input and scene of the accident information generation accident fix duty information, according to thing
Therefore field data and above-mentioned accident fix duty information generate Claims Resolution request, Claims Resolution request is sent to insurance service platform, for guarantor
Danger service platform carries out Claims Resolution process according to the information received, and is receiving the Claims Resolution result that insurance service platform sends
During information, store after it is associated with Claims Resolution request.This based on the mobile communication between mobile terminal and insurance service platform
The mode that car accident is settled a claim by network, it is not necessary to the claims personnel of insurance company processes to scene, can realize
Remotely insurance processes, and for the user of accident vehicle, it is not necessary to wait at the scene, it is only necessary to gathered by mobile terminal
Scene of the accident information also reaches accident fix duty information in time, and the most not only efficiency is high, and does not results in traffic congestion, solves
Prior art need the Insurance Actuary of waiting insurance company reach the spot at ability when processing the Claims Resolution problem of vehicle accident
Manage and cause the technical problem such as traffic congestion, inefficiency.
Second embodiment of present invention vehicle insurance based on mobile communications network Claims Resolution method is proposed based on first embodiment.?
In the present embodiment, described scene of the accident information was being sent before the step at long-range fix duty center, described based on mobile communication
The vehicle insurance Claims Resolution method of network further comprises the steps of:
Whether detecting receives in prefixed time interval after receiving described preliminary confirmation of responsibility information at the beginning of described
The step contentious confirmation of confirmation of responsibility information；
If receiving the described preliminary contentious confirmation of confirmation of responsibility information, then perform to believe the described scene of the accident
Breath sends to long-range fix duty center, carries out instructing the step of fix duty for described long-range fix duty center according to described scene of the accident information
Suddenly.
If not receiving the described preliminary contentious confirmation of confirmation of responsibility information, then by described preliminary confirmation of responsibility
Information is as described accident fix duty information.
Can on mobile terminals vehicle insurance Claims Resolution application operation interface provide " without demur " button, when this " without demur " presses
When button is triggered, produce this preliminary consentient confirmation of confirmation of responsibility information；There is provided " having objection " button, when this simultaneously
When the button that " has objection " is triggered, produce this preliminary contentious confirmation of confirmation of responsibility information, at " having objection " button
When being triggered, described scene of the accident information is sent to long-range fix duty center, say, that the client of accident vehicle can not be certainly
Preliminary confirmation of responsibility is reached an agreement by row, and it is carried out by the scene of the accident information now received at long-range fix duty center by traffic police
Fix duty, and instruct result generation accident fix duty information according to the fix duty of long-range fix duty center return.If " having objection ", button triggers,
Then preliminary confirmation of responsibility is reached an agreement, then using preliminary confirmation of responsibility information as accident fix duty information by explanation client voluntarily.
The present invention also proposes a kind of vehicle insurance based on mobile communications network Claims Resolution device.
With reference to shown in Fig. 2, for the function mould of present invention vehicle insurance based on mobile communications network Claims Resolution device first embodiment
Block schematic diagram.
In this embodiment, should include by vehicle insurance based on mobile communications network Claims Resolution device:
Information acquisition module 10, is used for gathering scene of the accident information, and the duty of human pilot based on accident vehicle input
Appoint qualified information and described scene of the accident information generation accident fix duty information；
Request generation module 20, for generating according to the described scene of the accident information gathered and described accident fix duty information
Claims Resolution request；
Request sending module 30, for sending Claims Resolution request to insurance service platform, for described insurance service platform base
In described scene of the accident information and described accident fix duty information, vehicle insurance accident is carried out Claims Resolution process；
Can be provided an insurance service platform by insurance company, this service platform can be disposed on the server, carry simultaneously
For the Claims Resolution application of a vehicle insurance, the Claims Resolution application of this vehicle insurance can run on the mobile terminals such as the mobile phone of user, panel computer, below
Illustrate as a example by mobile phone.
Information acquisition module 10 gathers scene of the accident information and accident fix duty information, and wherein, this scene of the accident information can
To include traffic injury time, place where the accident occurred point, accident vehicle information, accident pattern etc., wherein accident vehicle information includes
Accident vehicle picture, accident vehicle essential information etc..When this traffic injury time is local zone time during accident generation or network
Between, this traffic injury time can collect by the way of acquisition automatically.This place where the accident occurred point can be manually entered by user,
Location can also be carried out by the locating module of mobile phone to obtain.
Accident vehicle essential information includes type of vehicle, the number-plate number, vehicle identification code (VIN code), Motor Number, insures
Company, driver's name, the phone number of driver, the driver license number etc. of driver, accident vehicle picture is in the scene of the accident
Accident vehicle is carried out the picture that shooting obtains.Accident pattern includes: knock into the back, drive in the wrong direction, move backward, slip car, close door, violation hand over
Messenger, not giving way etc. by regulation, these accident patterns can preset, to facilitate follow-up selection.
After information acquisition module 10 gets above-mentioned scene of the accident information and accident fix duty information, ask generation module
20 generate Claims Resolution request based on these information, and request sending module 30 sends it to insurance service platform, for insurance service
Platform processes according to the Claims Resolution request received.
After insurance service platform receives described Claims Resolution request, judge this vehicle according to the information of vehicles got from which
Whether information has insured in this insurance company.Insurance service platform is provided with data base, in this data base storage have described
The information of the user that this insurance company insures, say, that if this vehicle has been insured in this insurance company, then according to vehicle
Information, the such as number-plate number, company of insuring, driver's name, the phone number of driver or the driver license number etc. of driver
Can be so that data base to match the user profile of insuring of correspondence etc. information.When judging that this vehicle has been insured, just it can be managed
Compensation request processes.
Specifically, information acquisition module 10 is additionally operable to:
Determine the quantity of accident vehicle, the shooting angle of scene of the accident image and vehicle treats setting loss parts；
Quantity according to described accident vehicle, the shooting angle of described scene of the accident image, in the bat of described mobile terminal
Take the photograph interface display shooting to guide；
Collection scene of the accident image information and described vehicle is guided to treat the image information of setting loss parts according to described shooting.
If the quantity of accident vehicle is two cars, before vehicle pictures shooting angle is respectively as follows: the side of the shooting side of reporting a case to the security authorities vehicle
Side, the rear flank side of the shooting side of reporting a case to the security authorities vehicle, the panorama of the shooting side of reporting a case to the security authorities vehicle, the panorama of shooting opponent vehicle, shooting impact portions
Setting loss parts etc. treated by position, shooting vehicle, and information acquisition module 10 guides in shooting interface display shooting, concrete, can be in shooting
The floating frame of one pre-set dimension of interface display, the shape of this floating frame matches with the profile of target vehicle, based on this floating
Frame shoots so that accident vehicle can be photographed in this floating frame by user, to photograph satisfactory photo, i.e. obtains
The image information of setting loss parts treated by scene of the accident image information and vehicle.Facilitate follow-up according to shooting photo carry out fix duty or
Claims Resolution, above-mentioned floating frame can show on shooting interface with various ways such as solid line, dotted line, figure layers.
Information acquisition module 10 is additionally operable to: described mobile terminal receives the preliminary duty of the human pilot input of an accident vehicle
Appoint qualified information；Described scene of the accident information is sent to long-range fix duty center, for described long-range fix duty center according to described
Scene of the accident information carries out instructing fix duty；Receive the fix duty returned based on described long-range fix duty center and instruct result, and described
When fix duty instructs result consistent with described preliminary confirmation of responsibility information, described preliminary confirmation of responsibility information is fixed as described accident
Duty information.
This preliminary confirmation of responsibility information includes the responsibility type of each accident vehicle, and wherein, responsibility type includes: all responsibility,
Without duty with duty.Illustrate as a example by having three cars in accident, if having a car when confirmation of responsibility is all responsibility, then other two
Car is regarded as automatically without duty；If there being a car to regard as without duty, then other two cars are respectively all responsibility and without duty, or are all
With duty；When there being a car to regard as with when blaming, the responsibility type of other two accident vehicles is respectively with duty or without duty, or is all
With duty.
After user inputs preliminary confirmation of responsibility information on mobile terminals, scene of the accident information is sent out by information acquisition module 10
Deliver to long-range fix duty center, and the fix duty receiving the return of long-range fix duty center instructs result, if this fix duty instructs result and use
The preliminary confirmation of responsibility information of family input is consistent, then information acquisition module 10 fix duty is instructed result as accident fix duty information,
Fix duty otherwise instruct result as accident fix duty information.
Or, in other embodiments, when the driver of each accident vehicle can reach an agreement for fix duty, permissible
The information responsible first closed by vehicle insurance Claims Resolution application input, and generate accident fix duty information, or when reaching an agreement, by
Traffic police is accident fix duty, and according to the fix duty result of traffic police, generation accident fix duty information.
Information receiving module 40, for when receiving being subject to for described Claims Resolution request that described insurance service platform sends
During reason announcement information, determine that described Claims Resolution request is in the state of accepting.
Receive insurance service platform send for this Claims Resolution ask when accepting announcement information, information receiving module
40 determine that this Claims Resolution request passes through the checking of insurance service platform, and this Claims Resolution request processes rank already at Claims Resolution
Section.
Vehicle insurance based on the mobile communications network Claims Resolution device that the present embodiment proposes, mobile terminal gathers scene of the accident letter
Breath, confirmation of responsibility information based on vehicle operator's input and scene of the accident information generation accident fix duty information, according to thing
Therefore field data and above-mentioned accident fix duty information generate Claims Resolution request, Claims Resolution request is sent to insurance service platform, for guarantor
Danger service platform carries out Claims Resolution process according to the information received, and is receiving the Claims Resolution result that insurance service platform sends
During information, store after it is associated with Claims Resolution request.This based on the mobile communication between mobile terminal and insurance service platform
The mode that car accident is settled a claim by network, it is not necessary to the claims personnel of insurance company processes to scene, can realize
Remotely insurance processes, and for the user of accident vehicle, it is not necessary to wait at the scene, it is only necessary to gathered by mobile terminal
Scene of the accident information also reaches accident fix duty information in time, and the most not only efficiency is high, and does not results in traffic congestion, solves
Prior art need the Insurance Actuary of waiting insurance company reach the spot at ability when processing the Claims Resolution problem of vehicle accident
Manage and cause the technical problem such as traffic congestion, inefficiency.
Second embodiment of present invention vehicle insurance based on mobile communications network Claims Resolution device is proposed based on first embodiment.Ginseng
According to shown in Fig. 3, in the present embodiment, vehicle insurance based on mobile communications network Claims Resolution device also includes:
Information detecting module 50, in detecting prefixed time interval after receiving described preliminary confirmation of responsibility information
Whether receive the described preliminary contentious confirmation of confirmation of responsibility information；
Request sending module 30 is additionally operable to: if receiving the described preliminary contentious confirmation of confirmation of responsibility information,
Then described scene of the accident information is sent to long-range fix duty center, believe according to the described scene of the accident for described long-range fix duty center
Breath carries out instructing fix duty.
Information acquisition module 10 is additionally operable to: if not receiving the described preliminary contentious confirmation letter of confirmation of responsibility information
Breath, then using described preliminary confirmation of responsibility information as described accident fix duty information.
Can on mobile terminals vehicle insurance Claims Resolution application operation interface provide " without demur " button, when this " without demur " presses
When button is triggered, produce this preliminary consentient confirmation of confirmation of responsibility information；There is provided " having objection " button, when this simultaneously
When the button that " has objection " is triggered, produce this preliminary contentious confirmation of confirmation of responsibility information, at " having objection " button
When being triggered, described scene of the accident information is sent to long-range fix duty center by request sending module 30, say, that accident vehicle
Client can not voluntarily preliminary confirmation of responsibility be reached an agreement, the accident now received at long-range fix duty center by traffic police is existing
Field information carries out fix duty to it, and the fix duty returned according to long-range fix duty center instructs result generation accident fix duty information.If " having
Objection " button triggering, then preliminary confirmation of responsibility is reached an agreement by explanation client voluntarily, then information acquisition module 10 will tentatively be blamed
Appoint qualified information as accident fix duty information.
These are only the preferred embodiments of the present invention, not thereby limit the scope of the claims of the present invention, every utilize this
Equivalent structure or equivalence flow process that bright description and accompanying drawing content are made convert, or are directly or indirectly used in other relevant skills
Art field, is the most in like manner included in the scope of patent protection of the present invention.
Claims (10)
1. vehicle insurance based on a mobile communications network Claims Resolution method, it is characterised in that described car based on mobile communications network
Danger Claims Resolution method includes:
Mobile terminal gathers scene of the accident information, and the confirmation of responsibility information of human pilot based on accident vehicle input and institute
State scene of the accident information generation accident fix duty information；
Claims Resolution request is generated according to the described scene of the accident information gathered and described accident fix duty information；
Described mobile terminal sends Claims Resolution request to insurance service platform, existing based on described accident for described insurance service platform
Field information and described accident fix duty information carry out Claims Resolution process to vehicle insurance accident；
When receive described insurance service platform send for described Claims Resolution request when accepting announcement information, determine described reason
Compensation request is in the state of accepting.
Vehicle insurance based on mobile communications network the most according to claim 1 Claims Resolution method, it is characterised in that described accident is existing
Field information includes that scene of the accident image information or video information and vehicle treat the image information of setting loss parts, described mobile terminal
The step gathering scene of the accident information includes:
Determine the quantity of accident vehicle, the shooting angle of scene of the accident image and vehicle treats setting loss parts；
Quantity according to described accident vehicle, the shooting angle of described scene of the accident image, in shooting circle of described mobile terminal
Face display shooting guides；
Collection scene of the accident image information and described vehicle is guided to treat the image information of setting loss parts according to described shooting.
3. according to vehicle insurance based on the mobile communications network Claims Resolution method described in any one of claim 1 or 2, it is characterised in that
The confirmation of responsibility information of described human pilot based on accident vehicle input and described scene of the accident information generation accident fix duty
The step of information includes:
Described mobile terminal receives the preliminary confirmation of responsibility information of the human pilot input of an accident vehicle；
Described scene of the accident information is sent to long-range fix duty center, for described long-range fix duty center according to the described scene of the accident
Information carries out instructing fix duty；
Receive the fix duty returned based on described long-range fix duty center and instruct result, and described fix duty instruct result with described tentatively
When confirmation of responsibility information is consistent, using described preliminary confirmation of responsibility information as described accident fix duty information.
Vehicle insurance based on mobile communications network the most according to claim 3 Claims Resolution method, it is characterised in that described by described
Scene of the accident information sent before the step at long-range fix duty center, and described vehicle insurance based on mobile communications network Claims Resolution method is also
Including step:
Whether detecting receives described preliminary duty in the prefixed time interval after receiving described preliminary confirmation of responsibility information
Appoint the contentious confirmation of qualified information；
If receiving the described preliminary contentious confirmation of confirmation of responsibility information, then perform to send out described scene of the accident information
Deliver to long-range fix duty center, carry out instructing the step of fix duty for described long-range fix duty center according to described scene of the accident information.
Vehicle insurance based on mobile communications network the most according to claim 4 Claims Resolution method, it is characterised in that described detecting exists
Whether receive described preliminary confirmation of responsibility information in receiving the prefixed time interval after described preliminary confirmation of responsibility information
After the step of contentious confirmation, described vehicle insurance based on mobile communications network Claims Resolution method also includes:
If not receiving the described preliminary contentious confirmation of confirmation of responsibility information, then by described preliminary confirmation of responsibility information
As described accident fix duty information.
6. vehicle insurance based on a mobile communications network Claims Resolution device, it is characterised in that described car based on mobile communications network
Danger Claims Resolution device includes:
Information acquisition module, is used for gathering scene of the accident information, and the confirmation of responsibility of human pilot based on accident vehicle input
Information and described scene of the accident information generation accident fix duty information；
Request generation module, please for generating Claims Resolution according to the described scene of the accident information gathered and described accident fix duty information
Ask；
Request sending module, for sending Claims Resolution request to insurance service platform, for described insurance service platform based on described
Scene of the accident information and described accident fix duty information carry out Claims Resolution process to vehicle insurance accident；
Information receiving module, for when receive described insurance service platform send for described Claims Resolution request accept notice
During information, determine that described Claims Resolution request is in the state of accepting.
Vehicle insurance based on mobile communications network the most according to claim 6 Claims Resolution device, it is characterised in that described information is adopted
Collection module is additionally operable to:
Determine the quantity of accident vehicle, the shooting angle of scene of the accident image and vehicle treats setting loss parts；
Quantity according to described accident vehicle, the shooting angle of described scene of the accident image, in shooting circle of described mobile terminal
Face display shooting guides；
Collection scene of the accident image information and described vehicle is guided to treat the image information of setting loss parts according to described shooting.
8. according to vehicle insurance based on the mobile communications network Claims Resolution device described in claim 6 or 7, it is characterised in that described letter
Breath acquisition module is additionally operable to:
Receive the preliminary confirmation of responsibility information of the human pilot input of an accident vehicle；
Described scene of the accident information is sent to long-range fix duty center, for described long-range fix duty center according to the described scene of the accident
Information carries out instructing fix duty；
Receive the fix duty returned based on described long-range fix duty center and instruct result, and described fix duty instruct result with described tentatively
When confirmation of responsibility information is consistent, using described preliminary confirmation of responsibility information as described accident fix duty information.
Vehicle insurance based on mobile communications network the most according to claim 8 Claims Resolution device, it is characterised in that described based on shifting
The vehicle insurance Claims Resolution device of dynamic communication network also includes:
Whether information detecting module, connect in detecting prefixed time interval after receiving described preliminary confirmation of responsibility information
Receive the described preliminary contentious confirmation of confirmation of responsibility information；
Described request sending module is additionally operable to: if receiving the described preliminary contentious confirmation of confirmation of responsibility information, then
Described scene of the accident information is sent to long-range fix duty center, for described long-range fix duty center according to described scene of the accident information
Carry out instructing fix duty.
Vehicle insurance based on mobile communications network the most according to claim 9 Claims Resolution device, it is characterised in that described information
Acquisition module is additionally operable to:
If not receiving the described preliminary contentious confirmation of confirmation of responsibility information, then by described preliminary confirmation of responsibility information
As described accident fix duty information.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610619376.XA CN106231551A (en) | 2016-07-29 | 2016-07-29 | Vehicle insurance based on mobile communications network Claims Resolution method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610619376.XA CN106231551A (en) | 2016-07-29 | 2016-07-29 | Vehicle insurance based on mobile communications network Claims Resolution method and device |
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| CN106231551A true CN106231551A (en) | 2016-12-14 |
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| CN201610619376.XA Pending CN106231551A (en) | 2016-07-29 | 2016-07-29 | Vehicle insurance based on mobile communications network Claims Resolution method and device |
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| CN107657502A (en) * | 2017-08-18 | 2018-02-02 | 特兰旗（厦门）科技有限公司 | The one-stop application system of automobile and method based on internet |
| CN108419044A (en) * | 2018-02-01 | 2018-08-17 | 平安科技（深圳）有限公司 | Vehicle fix duty method, terminal and computer readable storage medium |
| CN109034408A (en) * | 2018-06-29 | 2018-12-18 | 上海博泰悦臻网络技术服务有限公司 | Car accident processing method and server |
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| CN109741196A (en) * | 2018-12-28 | 2019-05-10 | 斑马网络技术有限公司 | Processing method and equipment after vehicle collision |
| CN111506652A (en) * | 2020-04-15 | 2020-08-07 | 支付宝(杭州)信息技术有限公司 | Traffic accident handling method and device based on block chain and electronic equipment |
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| CN107103549A (en) * | 2017-04-11 | 2017-08-29 | 武汉华创欣网科技有限公司 | A kind of settlement of insurance claim system and method |
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| CN108419044B (en) * | 2018-02-01 | 2020-12-04 | 平安科技（深圳）有限公司 | Vehicle accountability determination method, terminal and computer readable storage medium |
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| TWI713995B (en) * | 2018-05-08 | 2020-12-21 | 開曼群島商創新先進技術有限公司 | Interactive processing method, device, equipment, client device and electronic equipment for vehicle damage assessment |
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| CN109741194A (en) * | 2018-12-25 | 2019-05-10 | 斑马网络技术有限公司 | Processing method, equipment and the storage medium of vehicle collision |
| CN109741196A (en) * | 2018-12-28 | 2019-05-10 | 斑马网络技术有限公司 | Processing method and equipment after vehicle collision |
| WO2020215976A1 (en) * | 2019-04-26 | 2020-10-29 | 北京京东尚科信息技术有限公司 | Traffic accident handling method and device |
| CN111506652A (en) * | 2020-04-15 | 2020-08-07 | 支付宝(杭州)信息技术有限公司 | Traffic accident handling method and device based on block chain and electronic equipment |
| CN111506652B (en) * | 2020-04-15 | 2021-07-23 | 支付宝(杭州)信息技术有限公司 | Traffic accident handling method and device based on block chain and electronic equipment |
| CN112365715A (en) * | 2020-11-30 | 2021-02-12 | 济南金宇公路产业发展有限公司 | Wisdom traffic management platform |
| CN112561716A (en) * | 2020-12-22 | 2021-03-26 | 海腾保险代理有限公司 | Vehicle accident handling method and device, electronic equipment and storage medium |
| CN115810134A (en) * | 2023-02-14 | 2023-03-17 | 之江实验室 | Image acquisition quality inspection method, system and device for preventing car insurance from cheating |
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Application publication date: 20161214 |