CN106297347B - Vehicle insurance Claims Resolution method for early warning and device - Google Patents
Vehicle insurance Claims Resolution method for early warning and device Download PDFInfo
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- CN106297347B CN106297347B CN201610688856.1A CN201610688856A CN106297347B CN 106297347 B CN106297347 B CN 106297347B CN 201610688856 A CN201610688856 A CN 201610688856A CN 106297347 B CN106297347 B CN 106297347B
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- G—PHYSICS
- G08—SIGNALLING
- G08G—TRAFFIC CONTROL SYSTEMS
- G08G1/00—Traffic control systems for road vehicles
- G08G1/09—Arrangements for giving variable traffic instructions
- G08G1/0962—Arrangements for giving variable traffic instructions having an indicator mounted inside the vehicle, e.g. giving voice messages
- G08G1/0967—Systems involving transmission of highway information, e.g. weather, speed limits
- G08G1/096766—Systems involving transmission of highway information, e.g. weather, speed limits where the system is characterised by the origin of the information transmission
- G08G1/096775—Systems involving transmission of highway information, e.g. weather, speed limits where the system is characterised by the origin of the information transmission where the origin of the information is a central station
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Abstract
The invention discloses a kind of vehicle insurance Claims Resolution method for early warning and devices, this method comprises: obtaining the current location of the vehicle for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command；Obtain traffic route and intersection in the pre-determined distance of current location, and vehicle insurance Claims Resolution event information relevant from vehicle insurance Claims Resolution center acquisition traffic route and intersection and occurring in past preset duration；According to vehicle insurance Claims Resolution event information, in each section of traffic route and each intersection casualties number caused by traffic accident occurs for statistics；Casualties number caused by traffic accident will occur greater than the section of the traffic route of default number and/or intersection as risk zones；Export the corresponding warning information of risk zones.The present invention improves staff and faster reaches probability of the traffic accident generation position to handle accident in time, relieve traffic congestion, and significantly avoids long-time traffic congestion caused by due to traffic accident occurs.
Description
Technical field
The present invention relates to intelligent automobile technical field more particularly to a kind of vehicle insurance Claims Resolution method for early warning and device.
Background technique
In recent years, with the rapid development of social economy, the social activities of people is increasingly frequent, automobile traffic in city
Amount, pedestrian traffic amount etc. steeply rise, and substantially increase the probability of happening of people's vehicle accident, vehicle and vehicle accident.On the other hand, by
In current most cities, especially small and medium cities, Transport Facility Construction it is not perfect, roading and wagon flow actual conditions
It mismatches, also increases the probability of happening of people's vehicle accident, vehicle and vehicle accident.
After traffic accident occurs, in order to distinguish responsible party, car owner dare not move accident vehicle easily and stop working on the spot,
To wait vehicle insurance Claims Resolution staff to come to handle, subsequent vehicle has just started lane change, has jumped a queue, detours, the movement such as emergency brake, sternly
Road passage capability is reduced again, causes congestion in road.But since the vehicle that vehicle insurance Claims Resolution staff drives can not be substantially
Infer that position occurs for traffic accident, it is likely that the vehicle for needing to be used in vehicle insurance Claims Resolution service is got to by the long period
Position occurs for traffic accident, causes traffic accident that the congestion of position long-time occurs.
Summary of the invention
The main purpose of the present invention is to provide a kind of vehicle insurance Claims Resolution method for early warning and devices, it is intended to solve existing vehicle insurance reason
The vehicle for paying for service can not substantially infer that position occurs for traffic accident, cause traffic accident that the technology of position long-time congestion occurs
Problem.
To achieve the above object, a kind of vehicle insurance Claims Resolution method for early warning provided by the invention, the vehicle insurance Claims Resolution method for early warning
Include:
When detecting vehicle insurance Claims Resolution alarm command, the current location of the vehicle for vehicle insurance Claims Resolution service is obtained；
Traffic route and intersection in the pre-determined distance of current location are obtained, and obtains the traffic from vehicle insurance Claims Resolution center
Route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；
According to vehicle insurance Claims Resolution event information, acquisition is handed in each section of the traffic route and each intersection
Casualties number caused by interpreter's event；
Section of the casualties number caused by traffic accident greater than the traffic route of default number and/or crossroad will occur
Mouth is used as risk zones；
Export the corresponding warning information of risk zones, which includes location information where risk zones, warning
The vehicle driver pays close attention to the information warning of risk zones.
Preferably, after the step of output risk zones corresponding warning information further include:
The current running information of the vehicle is obtained, and according to the current location of vehicle and running information, generates vehicle
Predict wheelpath；
When the prediction wheelpath of vehicle passes through risk zones, vehicle drive prompt information is exported.
Preferably, described when the prediction wheelpath of vehicle passes through risk zones, output vehicle drive prompt information
Step includes:
According to vehicle insurance Claims Resolution event information, obtains each risk zones and the number of traffic accident occurs, and traffic will occur
The number of accident is greater than the risk zones of preset times as high risk region；
When the prediction wheelpath of vehicle passes through high risk region, output prompt user bypasses the vehicle in high risk area
Drive prompt information.
Preferably, described that the number that traffic accident occurs for each risk zones is obtained according to vehicle insurance Claims Resolution event information, and
The number that traffic accident occurs is greater than the risk zones of preset times as after the step of high risk region further include:
When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive of output prompt user's careful driving
Prompt information, wherein ordinary risk region is risk zones of the number less than preset times that traffic accident occurs.
Preferably, the running information include history wheelpath, driving azimuth, running speed, it is described according to vehicle
Current location and running information, the step of generating the prediction wheelpath of vehicle include:
According to the driving azimuth of vehicle and running speed, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
The present invention also provides a kind of vehicle insurance Claims Resolution prior-warning device, the vehicle insurance Claims Resolution prior-warning device includes:
Position acquisition module, for obtaining the vehicle for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command
Current location；
Data obtaining module is managed for obtaining traffic route and intersection in the pre-determined distance of current location, and from vehicle insurance
Compensation center obtain the traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event letter
Breath；
Statistical module obtains in each section of the traffic route and each for being settled a claim event information according to vehicle insurance
Casualties number caused by traffic accident occurs for intersection；
Definition module, the road for being greater than the traffic route of default number for casualties number caused by traffic accident will to occur
Section and/or intersection are as risk zones；
Early warning output module, for exporting the corresponding warning information of risk zones, which includes risk zones institute
Location information, the warning vehicle driver pay close attention to the information warnings of risk zones.
Preferably, the vehicle insurance Claims Resolution prior-warning device further include:
Track generation module is believed for obtaining the current running information of vehicle, and according to the current location of vehicle and driving
Breath, generates the prediction wheelpath of vehicle；
Output module is prompted, for when the prediction wheelpath of vehicle passes through risk zones, output vehicle drive to be prompted
Information.
Preferably, the prompt output module is also used to:
According to vehicle insurance Claims Resolution event information, obtains each risk zones and the number of traffic accident occurs, and traffic will occur
The number of accident is greater than the risk zones of preset times as high risk region；
When the prediction wheelpath of vehicle passes through high risk region, output prompt user bypasses the vehicle in high risk area
Drive prompt information.
Preferably, the prompt output module is also used to:
When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive of output prompt user's careful driving
Prompt information, wherein ordinary risk region is risk zones of the number less than preset times that traffic accident occurs.
Preferably, the running information includes history wheelpath, driving azimuth, running speed, and the track generates
Module is used for:
According to the driving azimuth of vehicle and running speed, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
The present invention is by when detecting vehicle insurance Claims Resolution alarm command, obtaining the current of the vehicle for vehicle insurance Claims Resolution service
Position；Traffic route and intersection in the pre-determined distance of current location are obtained, and obtains the traffic lines from vehicle insurance Claims Resolution center
Road and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；According to vehicle insurance Claims Resolution event letter
In each section of the traffic route and each intersection casualties number caused by traffic accident occurs for breath, statistics；It will
Casualties number caused by traffic accident occurs greater than the section of the traffic route of predeterminable level and/or intersection as risk
Region；The corresponding warning information of risk zones is exported, keeps the vehicle insurance Claims Resolution knowable generation traffic accident probability of staff higher
Risk zones position, can substantially infer traffic accident occur position, thus staff can drive for vehicle insurance manage
The vehicle for paying for service is travelled or is awaited orders near risk zones, and traffic accident hair can be arrived more quickly at when traffic accident occurs
Raw position improves staff and faster reaches probability of the traffic accident generation position to handle accident in time, relieve traffic congestion, greatly
Amplitude avoids long-time traffic congestion caused by due to traffic accident occurs.
Detailed description of the invention
Fig. 1 is the flow diagram of vehicle insurance of the present invention Claims Resolution one embodiment of method for early warning；
Fig. 2 is the flow diagram of the vehicle insurance of the present invention Claims Resolution another embodiment of method for early warning；
Fig. 3 is the refinement flow diagram of mono- embodiment of step S52 in Fig. 2；
Fig. 4 is the functional block diagram of vehicle insurance of the present invention Claims Resolution one embodiment of prior-warning device；
Fig. 5 is the functional block diagram of the vehicle insurance of the present invention Claims Resolution another embodiment of prior-warning device.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of vehicle insurance Claims Resolution method for early warning, in vehicle insurance of the present invention Claims Resolution one embodiment of method for early warning, ginseng
According to Fig. 1, vehicle insurance Claims Resolution method for early warning includes:
Step S10 obtains the present bit of the vehicle for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command
It sets；
Vehicle insurance Claims Resolution alarm command can be vehicle and voluntarily generate, and such as in user (such as car owner) starting vehicle, (vehicle is
Refer to the vehicle for vehicle Claims Resolution service) when, vehicle voluntarily generates vehicle insurance Claims Resolution alarm command；Vehicle insurance settles a claim alarm command can also
To be that user inputs, such as drives in vehicle travel process in user, user needs vehicle to provide and drives prompt, and starting vehicle is driven
When sailing the function key of indoor setting, the vehicle for vehicle insurance Claims Resolution service generates vehicle insurance Claims Resolution alarm command.
When the car-mounted terminal of vehicle detects vehicle insurance Claims Resolution alarm command, starting vehicle insurance Claims Resolution modes of warning is based on GPS
(Global Positioning System, global positioning system) or the Big Dipper positioning system, obtain the current location of vehicle,
Feeling current location can be latitude and longitude information, information of place names etc..
Step S20 obtains traffic route and intersection in the pre-determined distance of current location, and obtains from vehicle insurance Claims Resolution center
The traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；
Traffic route includes turnpike road, minor road, avenue, expressway, national highway etc., i.e., traffic route refers to position
In city or suburbs and the road for capableing of passing vehicle；Intersection includes crossroad, T-shaped road junction, annular multilane road
Mouthful etc..Generally there is urban traffic map in the car-mounted terminal of vehicle, includes each traffic route and friendship in urban traffic map
Cross road mouth obtains current location circumference pre-determined distance centered on the current location where vehicle (such as pre-determined distance is 1 kilometer)
Interior all traffic routes and intersection.
When people's vehicle accident and vehicle and vehicle accident occurs, vehicle insurance Claims Resolution staff can rush towards scene at the first time and carry out thing
Part handles and acquires vehicle insurance Claims Resolution temporal information, and vehicle insurance Claims Resolution temporal information includes the personal information of accident, information of vehicles, Claims Resolution
Information, information responsible, casualty situations etc., personal information include accident both sides or multi-party personnel of driving identity, passenger body
Part, pedestrian's identity etc.；Information of vehicles includes vehicle damage degree, license plate number, vehicle model of the case-involving vehicle of accident etc.；Claims Resolution letter
Breath includes amount for which loss settled, Claims Resolution benefited party's information, Claims Resolution loss side's information etc.；Information responsible includes cause of accident, accident responsibility
Square information etc.；Casualty situations include that accident causes the death toll of personnel, number of injured people etc..Vehicle insurance Claims Resolution temporal information is generally protected
On the server (i.e. vehicle insurance Claims Resolution center) that can be inquired there are all insurance companies or insurer.
The car-mounted terminal of vehicle is being got in the pre-determined distance of current location behind traffic route and intersection, is managed from vehicle insurance
Compensation center download in real time acquisition traffic route is related to intersection and the traffic accident pair that occurs in past preset duration
The vehicle insurance Claims Resolution event information answered, that is, obtain and the traffic in acquisition occur in past preset duration (such as in past one month)
The corresponding vehicle insurance Claims Resolution event information of the traffic accident of route and intersection.
Step S30 obtains each section in the traffic route and each crossroad according to vehicle insurance Claims Resolution event information
Casualties number caused by traffic accident occurs for mouth；
In urban transportation figure, each traffic route is divided into multiple sections according to factors such as distance, landform, place names, each
Section and intersection are provided with corresponding number, according to the vehicle insurance of acquisition Claims Resolution event information, count in past preset duration
Casualties number caused by traffic accident occurs for each section of inherent traffic route and each intersection, wherein traffic occurs
Casualties number caused by accident is higher, shows that accident is more serious, and the accident that corresponding road section or intersection vehicle were opened occurs
Rate is higher.Casualties number caused by traffic accident is usually to carry out accurate statistics, the personnel by traffic police department or insurance company
Injures and deaths number can be the casualties number that personnel caused by traffic accident occur in preset duration for a certain section or intersection
Summation, or certain a road section or intersection every Accident in preset duration cause the average personnel of personnel to hurt
Die number.
Step S40, will occur casualties number caused by traffic accident be greater than default number traffic route section and/
Or intersection is as risk zones；
The numerical values recited of predeterminable level can be set according to demand, such as the driver (such as car owner) of vehicle is that have to drive for many years
The old driver for sailing experience, control ability to vehicle and stronger to real-time road ability to predict, then presetting number can suitably increase；
Such as the current location of vehicle is in western remote districts, road is wider, vehicle is less, then presetting number can also suitably increase.
Casualties number caused by traffic accident is occurred for each section and each intersection to be compared with default number, will be occurred
The section and/or intersection that casualties number caused by traffic accident is greater than the traffic route of default number are as risk area
Domain, risk zones, which show to travel in this region, has certain risk, compared to normal areas accident rate with higher,
Wherein, normal areas is the section for the traffic route that casualties number caused by traffic accident occurs is less than or equal to default number
The intersection and/or.The casualties number caused by traffic accident occurs for some risk area is more, shows that this risk zones occurs
Traffic accident it is more serious.
Step S50, the corresponding warning information of output risk zones, the warning information include the position letter where risk zones
The information warning for ceasing, the vehicle driver being warned to pay close attention to risk zones.
After determining risk zones, the location information and warning vehicle driver's concern wind where risk zones are exported
The information warning in danger zone domain, vehicle insurance settle a claim the higher risk zones institute of the knowable generation traffic accident probability of staff in place
It sets, can substantially infer that position occurs for traffic accident, so that staff can drive the vehicle for vehicle insurance Claims Resolution service in wind
Dangerous areas adjacent traveling is awaited orders, and traffic accident can be arrived more quickly at when traffic accident occurs, position occurs, improve work
Make personnel and faster reach probability of the traffic accident generation position to handle accident in time, relieve traffic congestion, significantly avoids because occurring
Traffic accident and caused by long-time traffic congestion.
In the present embodiment, by obtaining the vehicle for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command
Current location；Traffic route and intersection in the pre-determined distance of current location are obtained, and obtains institute from vehicle insurance Claims Resolution center
State traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；It is managed according to vehicle insurance
Event information is paid for, statistics occurs personnel caused by traffic accident in each section of the traffic route and each intersection and hurts
Die number；Section and/or intersection of the casualties number caused by traffic accident greater than the traffic route of predeterminable level will occur
As risk zones；The corresponding warning information of risk zones is exported, the vehicle insurance Claims Resolution knowable generation traffic accident of staff is made
The higher risk zones position of probability can substantially infer that position occurs for traffic accident, so that staff can drive use
It travels or awaits orders near risk zones in the vehicle of vehicle insurance Claims Resolution service, friendship can be arrived more quickly at when traffic accident occurs
Interpreter thus occur position, improve staff faster reach traffic accident occur position to handle accident in time, relieve traffic congestion
Probability, significantly avoid long-time traffic congestion caused by due to traffic accident occurs.
Further, after reference Fig. 2, step S50 further include:
Step S51 obtains the current running information of vehicle, and according to the current location of vehicle and running information, generates vehicle
Prediction wheelpath；
Obtain the running information of vehicle, it is contemplated that obtain the primary wheelpath of vehicle, then rising primary wheelpath
Beginning is connected with current location, to generate the prediction wheelpath of vehicle.
Specifically, running information include history wheelpath, driving azimuth, running speed,
Step S51 includes:
According to the driving azimuth of vehicle and running speed, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
Supplemented by assistant solve above content, to specific embodiment illustrate, according to the driving azimuth of vehicle and driving
Speed obtains setting the primary wheelpath in prediction duration apart from current time, is calculated and prolonged according to history wheelpath
Wheelpath is stretched, the intermediate track for taking primary wheelpath and extending between wheelpath is used as prediction wheelpath, mid-rail
Mark is track midpoint line, the track midpoint be primary wheelpath with extension wheelpath in various time points two it is corresponding
The midpoint of point line.
Step S52 exports vehicle drive prompt information when the prediction wheelpath of vehicle passes through risk zones.
After determining risk zones, vehicle drive prompt information relevant to risk zones, vehicle drive prompt letter are exported
Breath may include one of audio, video, vibration, picture or a variety of.After the prediction wheelpath for generating vehicle, vehicle is judged
Prediction wheelpath whether pass through risk zones, when determine vehicle prediction wheelpath pass through risk zones when, show vehicle
Generation people's vehicle accident, vehicle and vehicle accident probability will improve, vehicle drive prompt information is exported, to remind vehicle drive
Member, which cheers up, pays attention to road conditions to avoid accident generation.
Preferably, include: referring to Fig. 3, step S52
Step S521 obtains the number that traffic accident occurs for each risk zones, and will according to vehicle insurance Claims Resolution event information
The number that traffic accident occurs is greater than the risk zones of preset times as high risk region；
According to the corresponding section number of risk zones or intersection number, preset duration in the past is obtained from vehicle insurance Claims Resolution center
Interior vehicle insurance Claims Resolution event information obtains time that traffic accident occurs for each risk zones according to vehicle insurance Claims Resolution event information
The number that traffic accident occurs for each risk zones is compared by number with preset times, and the number that traffic accident occurs is big
In preset times risk zones as high risk region.The number that traffic accident occurs can be by the number of carry out vehicle insurance Claims Resolution
It obtains.When the number that traffic accident occurs for some risk area is more, the traffic accident for showing that this risk zones occurs is more serious, should
The number that traffic accident occurs can be total for the number of all traffic accidents occurred in the risk zones in past preset duration
With.
Step S522, when the prediction wheelpath of vehicle passes through high risk region, output prompt user is around high-risk
The vehicle drive prompt information of risk zones.
When the prediction wheelpath for determining vehicle passes through high risk region, show generation people's vehicle accident, the vehicle of vehicle
It is significantly promoted with the probability of vehicle accident, reminds vehicle driver to cheer up and notice that road conditions, careful driving are inadequate, need defeated
Prompt user bypasses the vehicle drive prompt information in high risk region out, i.e. prompting vehicle driver bypasses high risk area
Domain such as provides another kind and arrives at the destination and effectively circumvent the traffic route in high risk region, to stop high risk area is overseas
It stays or travels, so that avoiding user from undertaking occurs people's vehicle accident, the high risk of vehicle and vehicle accident, improve the safety of vehicle drive
Property.Meanwhile the vehicle flowrate in high risk region is also reduced, high risk region is reduced indirectly, and the general of traffic accident occurs
Rate, over time, high risk region may be downgraded to ordinary risk region.
In addition, after step S521 further include:
Step S523, when the prediction wheelpath of vehicle passes through ordinary risk region, output prompt user's careful driving
Vehicle drive prompt information, wherein ordinary risk region be occur traffic accident number be less than or equal to preset times wind
Danger zone domain.
Ordinary risk region is that the number of traffic accident occurs to be less than or equal to the risk zones of preset times, when detecting
When the prediction wheelpath of vehicle passes through ordinary risk region, when showing that driver drives vehicle by ordinary risk region, need
It is noted that road conditions, careful driving, and it is possible to prevente effectively from traffic accident, prompts user's careful driving so exporting at this time
Vehicle drive prompt information, such as voice prompting of output " careful driving, pay attention to road conditions ", so that avoiding user from undertaking occurs people
The high risk of vehicle accident, vehicle and vehicle accident improves the safety of vehicle drive.Meanwhile if the driver of all vehicles is passing through
When crossing ordinary risk region, road conditions, careful driving can be paid attention to, the probability that traffic accident occurs for ordinary risk region also can be substantially
Degree reduces, to both realize that vehicle is settled a claim the early warning of relevant risk zones, also ensured vehicle insurance Claims Resolution service special-purpose vehicle
Traffic safety.
It settles a claim prior-warning device the present invention also provides a kind of vehicle insurance, referring to Fig. 4, vehicle insurance is settled a claim, and prior-warning device is settable and vehicle
Car-mounted terminal in, vehicle insurance Claims Resolution prior-warning device include:
Position acquisition module 10, for obtaining for vehicle insurance Claims Resolution service when detecting vehicle insurance Claims Resolution alarm command
The current location of vehicle；
Vehicle insurance Claims Resolution alarm command can be vehicle and voluntarily generate, and such as in user (such as car owner) starting vehicle, (vehicle is
Refer to the vehicle for vehicle Claims Resolution service) when, vehicle voluntarily generates vehicle insurance Claims Resolution alarm command；Vehicle insurance settles a claim alarm command can also
To be that user inputs, such as drives in vehicle travel process in user, user needs vehicle to provide and drives prompt, and starting vehicle is driven
When sailing the function key of indoor setting, the vehicle for vehicle insurance Claims Resolution service generates vehicle insurance Claims Resolution alarm command.
When position acquisition module 10 detects vehicle insurance Claims Resolution alarm command, starting vehicle insurance Claims Resolution modes of warning is based on GPS
(Global Positioning System, global positioning system) or the Big Dipper positioning system, obtain the current location of vehicle,
Feeling current location can be latitude and longitude information, information of place names etc..
Data obtaining module 20, for obtaining traffic route and intersection in the pre-determined distance of current location, and from vehicle insurance
Claims Resolution center obtain the traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event
Information；
Traffic route includes turnpike road, minor road, avenue, expressway, national highway etc., i.e., traffic route refers to position
In city or suburbs and the road for capableing of passing vehicle；Intersection includes crossroad, T-shaped road junction, annular multilane road
Mouthful etc..Generally there is urban traffic map in the car-mounted terminal of vehicle, includes each traffic route and friendship in urban traffic map
Cross road mouth obtains current location circumference pre-determined distance centered on the current location where vehicle (such as pre-determined distance is 1 kilometer)
Interior all traffic routes and intersection.
When people's vehicle accident and vehicle and vehicle accident occurs, vehicle insurance Claims Resolution staff can rush towards scene at the first time and carry out thing
Part handles and acquires vehicle insurance Claims Resolution temporal information, and vehicle insurance Claims Resolution temporal information includes the personal information of accident, information of vehicles, Claims Resolution
Information, information responsible, casualty situations etc., personal information include accident both sides or multi-party personnel of driving identity, passenger body
Part, pedestrian's identity etc.；Information of vehicles includes vehicle damage degree, license plate number, vehicle model of the case-involving vehicle of accident etc.；Claims Resolution letter
Breath includes amount for which loss settled, Claims Resolution benefited party's information, Claims Resolution loss side's information etc.；Information responsible includes cause of accident, accident responsibility
Square information etc.；Casualty situations include that accident causes the death toll of personnel, number of injured people etc..Vehicle insurance Claims Resolution temporal information is generally protected
On the server (i.e. vehicle insurance Claims Resolution center) that can be inquired there are all insurance companies or insurer.
Data obtaining module 20 is being got in the pre-determined distance of current location behind traffic route and intersection, is managed from vehicle insurance
Compensation center download in real time acquisition traffic route is related to intersection and the traffic accident pair that occurs in past preset duration
The vehicle insurance Claims Resolution event information answered, that is, obtain and the traffic in acquisition occur in past preset duration (such as in past one month)
The corresponding vehicle insurance Claims Resolution event information of the traffic accident of route and intersection.
Statistical module 30 obtains in each section of the traffic route and each for being settled a claim event information according to vehicle insurance
Casualties number caused by traffic accident occurs for a intersection；
In urban transportation figure, each traffic route is divided into multiple sections according to factors such as distance, landform, place names, each
Section and intersection are provided with corresponding number, and statistical module 30 is counted according to the vehicle insurance of acquisition Claims Resolution event information in mistake
It goes in preset duration that casualties number caused by traffic accident occurs in each section of traffic route and each intersection,
Casualties number caused by middle generation traffic accident is higher, shows that accident is more serious, and corresponding road section or intersection vehicle were opened
Accident rate it is higher.Casualties number caused by traffic accident is usually accurately to be united by traffic police department or insurance company
Meter, the casualties number can be the people that personnel caused by traffic accident occur in preset duration for a certain section or intersection
Member's injures and deaths number summation, or certain a road section or intersection every Accident in preset duration cause putting down for personnel
Equal casualties number.
Definition module 40, the traffic route for being greater than default number for casualties number caused by traffic accident will to occur
Section and/or intersection are as risk zones；
The numerical values recited of predeterminable level can be set according to demand, such as the driver (such as car owner) of vehicle is that have to drive for many years
The old driver for sailing experience, control ability to vehicle and stronger to real-time road ability to predict, then presetting number can suitably increase；
Such as the current location of vehicle is in western remote districts, road is wider, vehicle is less, then presetting number can also suitably increase.
Casualties number caused by traffic accident is occurred definition module 40 for each section and each intersection and default number carries out
Compare, definition module 40 will occur casualties number caused by traffic accident be greater than default number traffic route section and/
Or intersection, as risk zones, risk zones, which show to travel in this region, has certain risk, compared to normal areas
Accident rate with higher, wherein normal areas is that casualties number caused by traffic accident occurs is less than or equal in advance
If the section and/or intersection of the traffic route of number.The casualties number caused by traffic accident occurs for some risk area
More, the traffic accident for showing that this risk zones occurs is more serious.
Early warning output module 50, for exporting the corresponding warning information of risk zones, which includes risk zones
The location information at place, the warning vehicle driver pay close attention to the information warning of risk zones.
Early warning output module 50, after determining risk zones, described in the location information and warning where output risk zones
Vehicle driver pays close attention to the information warning of risk zones, and the vehicle insurance Claims Resolution knowable generation traffic accident probability of staff is higher
Risk zones position can substantially infer that position occurs for traffic accident, settle a claim so that staff can drive for vehicle insurance
The vehicle of service is travelled or is awaited orders near risk zones, can arrive more quickly at traffic accident when traffic accident occurs
Position improves staff and faster reaches probability of the traffic accident generation position to handle accident in time, relieve traffic congestion, substantially
Degree avoids long-time traffic congestion caused by due to traffic accident occurs.
In the present embodiment, it obtains when detecting vehicle insurance Claims Resolution alarm command by position acquisition module 10 and is used for vehicle
The current location of the vehicle of danger Claims Resolution service；Data obtaining module 20 obtains traffic route and intersection in the pre-determined distance of current location
Crossing, and the traffic route is obtained from vehicle insurance Claims Resolution center and intersection is relevant and occur in past preset duration
Vehicle insurance Claims Resolution event information；Statistical module 30 is counted according to vehicle insurance Claims Resolution event information in each section of the traffic route
Casualties number caused by traffic accident occurs with each intersection；Personnel caused by traffic accident will occur for definition module 40
The section and/or intersection that injures and deaths number is greater than the traffic route of predeterminable level are as risk zones；Early warning output module 50 is defeated
The corresponding warning information of risk zones out makes the vehicle insurance Claims Resolution higher risk area of the knowable generation traffic accident probability of staff
Domain position can substantially infer that position occurs for traffic accident, so that staff can drive for vehicle insurance Claims Resolution service
Vehicle is travelled or is awaited orders near risk zones, traffic accident can be arrived more quickly at when traffic accident occurs, position occurs,
It improves staff and reaches traffic accident generation position faster with the probability for handling accident in time, relieving traffic congestion, significantly keep away
Exempt from long-time traffic congestion caused by due to traffic accident occurs.
Further, referring to Fig. 5, the vehicle insurance Claims Resolution prior-warning device further include:
Track generation module 51, for obtaining the current running information of vehicle, and according to the current location of vehicle and driving
Information generates the prediction wheelpath of vehicle；
The running information of the acquisition vehicle of track generation module 51, it is contemplated that the primary wheelpath for obtaining vehicle, it then will be first
The starting point of grade wheelpath is connected with current location, to generate the prediction wheelpath of vehicle.
Specifically, running information includes history wheelpath, driving azimuth, running speed, the track generation module
51 are used for:
According to the driving azimuth of vehicle and running speed, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
Supplemented by assistant solve above content, illustrated to specific embodiment, track generation module 51 is according to the row of vehicle
Vehicle azimuth and running speed obtain setting the primary wheelpath in prediction duration, track generation module apart from current time
51 calculate to obtain extension wheelpath according to history wheelpath, take primary wheelpath and extend the centre between wheelpath
Track is as prediction wheelpath, and intermediate track is track midpoint line, and primary wheelpath is in the track midpoint and extends row
The midpoint of wheel paths two corresponding points lines in various time points.
Output module 52 is prompted, for when the prediction wheelpath of vehicle passes through risk zones, output vehicle drive to be mentioned
Show information.
After determining risk zones, vehicle drive prompt information relevant to risk zones, vehicle drive prompt letter are exported
Breath may include one of audio, video, vibration, picture or a variety of.After the prediction wheelpath for generating vehicle, output is prompted
Module 52 judges whether the prediction wheelpath of vehicle passes through risk zones, when the prediction wheelpath for determining vehicle passes through risk
When region, shows that the probability of generation people's vehicle accident of vehicle, vehicle and vehicle accident will improve, exports vehicle drive prompt information,
Pay attention to road conditions to avoid accident generation to remind vehicle driver to cheer up.
Preferably, prompt output module 52 is also used to:
According to vehicle insurance Claims Resolution event information, obtains each risk zones and the number of traffic accident occurs, and traffic will occur
The number of accident is greater than the risk zones of preset times as high risk region；
When the prediction wheelpath of vehicle passes through high risk region, output prompt user bypasses the vehicle in high risk area
Drive prompt information.
According to the corresponding section number of risk zones or intersection number, preset duration in the past is obtained from vehicle insurance Claims Resolution center
Interior vehicle insurance Claims Resolution event information prompts output module 52 according to vehicle insurance Claims Resolution event information, obtains each risk zones hair
The number of raw traffic accident prompts output module 52 that each risk zones to that number and the preset times progress of traffic accident occur
Compare, the number that traffic accident occurs is greater than the risk zones of preset times as high risk region.Traffic accident occurs
Number can be obtained by the number of carry out vehicle insurance Claims Resolution.When some risk area occur traffic accident number it is more, show this wind
The traffic accident that danger zone domain occurs is more serious, and the number of the generation traffic accident can be the risk zones in past preset duration
The number summation of all traffic accidents of middle generation.
When the prediction wheelpath for determining vehicle passes through high risk region, show generation people's vehicle accident, the vehicle of vehicle
It is significantly promoted with the probability of vehicle accident, reminds vehicle driver to cheer up and notice that road conditions, careful driving are inadequate, need to mention
Show output module 52 output prompt user bypass high risk region vehicle drive prompt information, i.e., prompting vehicle driver around
High-risk risk zones are crossed, another kind is such as provided and arrives at the destination and effectively circumvent the traffic route in high risk region, to keep away
Exempt from user and undertake generation people's vehicle accident, the high risk of vehicle and vehicle accident, improves the safety of vehicle drive.Meanwhile also reducing
The vehicle flowrate in high risk region reduces the probability that traffic accident occurs for high risk region, with the time indirectly
Passage, high risk region may be downgraded to ordinary risk region.
In addition, prompt output module 52 is also used to:
When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive of output prompt user's careful driving
Prompt information, wherein ordinary risk region is risk zones of the number less than or equal to preset times that traffic accident occurs.
Ordinary risk region is that the number of traffic accident occurs to be less than or equal to the risk zones of preset times, when detecting
When the prediction wheelpath of vehicle passes through ordinary risk region, when showing that driver drives vehicle by ordinary risk region, need
It is noted that road conditions, careful driving, and it is possible to prevente effectively from traffic accident, mentions so output module 52 is prompted to export at this time
Show the vehicle drive prompt information of user's careful driving, such as the voice prompting of output " careful driving pays attention to road conditions ", to avoid
User, which undertakes, occurs people's vehicle accident, the high risk of vehicle and vehicle accident, improves the safety of vehicle drive.Meanwhile if all vehicles
Driver when by ordinary risk region, can pay attention to road conditions, careful driving, traffic accident occurs for ordinary risk region
Probability also will be greatly reduced, to both realize that vehicle is settled a claim the early warning of relevant risk zones, also ensured that vehicle insurance is settled a claim
Service the traffic safety of special-purpose vehicle.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes
Be engaged in device, air conditioner or the network equipment etc.) method that executes each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (6)
- The method for early warning 1. a kind of vehicle insurance is settled a claim, which is characterized in that the vehicle insurance Claims Resolution method for early warning includes:When detecting vehicle insurance Claims Resolution alarm command, the current location of the vehicle for vehicle insurance Claims Resolution service is obtained；Traffic route and intersection in the pre-determined distance of current location are obtained, and obtains the traffic route from vehicle insurance Claims Resolution center Vehicle insurance Claims Resolution event information relevant with intersection and occurring in past preset duration；According to vehicle insurance Claims Resolution event information, obtains and traffic thing occurs in each section of the traffic route and each intersection Casualties number caused by therefore；Casualties number caused by traffic accident will occur to make greater than the section of the traffic route of default number and/or intersection For risk zones；Export the corresponding warning information of risk zones, which includes location information where risk zones, described in warning The information warning of vehicle driver's concern risk zones；The current running information of the vehicle is obtained, the running information includes history wheelpath, driving azimuth, driving speed Degree；According to the driving azimuth of vehicle and running speed, obtain setting the primary driving rail in prediction duration apart from current time Mark；Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；The intermediate track for taking primary wheelpath and extending between wheelpath is used as prediction wheelpath, and intermediate track is track Midpoint line, the track midpoint are primary wheelpath and extension wheelpath two corresponding points lines in various time points Midpoint；When the prediction wheelpath of vehicle passes through risk zones, vehicle drive prompt information is exported.
- The method for early warning 2. vehicle insurance as described in claim 1 is settled a claim, which is characterized in that described when the prediction wheelpath of vehicle passes through When crossing risk zones, export vehicle drive prompt information the step of include:According to vehicle insurance Claims Resolution event information, obtains each risk zones and the number of traffic accident occurs, and traffic accident will occur Number be greater than preset times risk zones as high risk region；When the prediction wheelpath of vehicle passes through high risk region, output prompt user drives around the vehicle in high risk area Sail prompt information.
- The method for early warning 3. vehicle insurance as claimed in claim 2 is settled a claim, which is characterized in that it is described to be settled a claim event information according to vehicle insurance, The number that traffic accident occurs for each risk zones is obtained, and the number that traffic accident occurs is greater than to the risk area of preset times After the step of domain is as high risk region further include:When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive prompt of output prompt user's careful driving Information, wherein ordinary risk region is risk zones of the number less than preset times that traffic accident occurs.
- The prior-warning device 4. a kind of vehicle insurance is settled a claim, which is characterized in that the vehicle insurance Claims Resolution prior-warning device includes:Position acquisition module, for when detecting vehicle insurance Claims Resolution alarm command, obtaining the vehicle for vehicle insurance Claims Resolution service Current location；Data obtaining module, for obtaining traffic route and intersection in the pre-determined distance of current location, and from vehicle insurance Claims Resolution The heart obtain the traffic route and intersection it is relevant and occur in past preset duration vehicle insurance Claims Resolution event information；Statistical module, for obtaining each section in the traffic route and each intersection according to vehicle insurance Claims Resolution event information Casualties number caused by traffic accident occurs for crossing；Definition module, the section for being greater than the traffic route of default number for casualties number caused by traffic accident will to occur And/or intersection is as risk zones；Early warning output module, for exporting the corresponding warning information of risk zones, where which includes risk zones Location information, the warning vehicle driver pay close attention to the information warning of risk zones；The vehicle insurance Claims Resolution prior-warning device further include:Track generation module, it is raw for obtaining the current running information of vehicle, and according to the current location of vehicle and running information At the prediction wheelpath of vehicle；Output module is prompted, for exporting vehicle drive prompt information when the prediction wheelpath of vehicle passes through risk zones；The running information includes history wheelpath, driving azimuth, running speed, and the track generation module is used for:According to the driving azimuth of vehicle and running speed, obtain setting the primary driving rail in prediction duration apart from current time Mark；Extend history wheelpath to driving azimuth direction to obtain extending wheelpath；The intermediate track for taking primary wheelpath and extending between wheelpath is used as prediction wheelpath, and intermediate track is track Midpoint line, the track midpoint are primary wheelpath and extension wheelpath two corresponding points lines in various time points Midpoint.
- The prior-warning device 5. vehicle insurance as claimed in claim 4 is settled a claim, which is characterized in that the prompt output module is also used to:According to vehicle insurance Claims Resolution event information, obtains each risk zones and the number of traffic accident occurs, and traffic accident will occur Number be greater than preset times risk zones as high risk region；When the prediction wheelpath of vehicle passes through high risk region, output prompt user drives around the vehicle in high risk area Sail prompt information.
- The prior-warning device 6. vehicle insurance as claimed in claim 5 is settled a claim, which is characterized in that the prompt output module is also used to:When the prediction wheelpath of vehicle passes through ordinary risk region, the vehicle drive prompt of output prompt user's careful driving Information, wherein ordinary risk region is risk zones of the number less than preset times that traffic accident occurs.
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| CN107818450B (en) * | 2017-10-27 | 2021-06-15 | 平安科技（深圳）有限公司 | Disaster response processing method and device for vehicle insurance, computer equipment and storage medium |
| CN111461901B (en) * | 2020-03-31 | 2023-05-12 | 德联易控科技(北京)有限公司 | Method and device for outputting vehicle insurance claim information |
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