TWI690874B - Method and system for verifying remote accident scene image and identity - Google Patents

Abstract

A system for verifying remote accident scene image and identity. An electronic device sends a plurality of first images to a server. The server determines whether the plurality of first images capture an object at an accident scene according to a plurality of specified angles and a plurality of specified gestures. When the server determines that the plurality of first images capture the object at the accident scene according to the plurality of specified angles and the plurality of specified gestures, the server determines that the plurality of first images are images captured at the accident scene by an user.

Description

System and method for remote site accident image and identity verification

The invention relates to a system and method for remote site accident image and identity verification.

Insurance claims service is usually one of the businesses that insurance companies often need to perform. Generally speaking, when an accident occurs, the insurance salesperson needs to arrive at the scene of the accident and film the accident scene to handle related claims affairs. However, the arrival time of the insurance clerk may not be the same, and you still need to go back to the company to handle related business after the shooting. Therefore, the general claims service may suffer from inefficiency. Ruhe quickly and efficiently executes claims settlement services, which is one of the problems that those skilled in the art want to solve.

The invention provides an accident image and method for a remote site, which can improve the execution efficiency of insurance claims business.

The invention provides a system for remote site accident image and identity verification, including: a server and an electronic device. The electronic device is connected to the server through a network. The electronic device provides an accident notification message. The server sends a first message to the electronic device according to the accident notification message, wherein the first message is used to request a user of the electronic device to specify multiple angles according to the first message And at least one gesture designated to photograph an object at an accident scene. The electronic device transmits a plurality of first images to the server. The server determines whether the plurality of first images shoot the object at the accident scene according to the plurality of angles specified in the first message and the specified gesture according to the plurality of first images . When the server determines that the plurality of first images are the objects in the accident scene according to the plurality of angles specified in the first message and the plurality of gestures specified, the servo The device determines that the first image is an image taken by the user at the scene of the accident.

The invention provides a method for remote site accident image and identity verification, which is used for a system for remote site accident image and identity verification. The system for remote site accident image and identity verification includes a server And an electronic device, the method includes: providing an accident notification message by the electronic device; sending a first message to the electronic device according to the accident notification message by the server, wherein the first message is used Photographing objects at the accident scene with multiple angles specified by the first message and at least one gesture specified by the user of the electronic device; sending multiple first images to the server by the electronic device; The server determines whether the plurality of first images capture the location of the accident scene according to the plurality of angles specified in the first message and the specified gesture according to the plurality of first images The object; and when the server determines that the plurality of first images are based on the plurality of angles specified in the first message and the plurality of gestures specified to shoot the object at the accident scene , The server determines that the first image is the image taken by the user at the accident scene.

Based on the above, the system for remote on-site accident image and identity verification and the method for remote on-site accident image and identity verification of the present invention can save manpower loss in handling the accident site, and can directly identify the user's identity through the server And whether the image was taken at the scene of the accident, and the follow-up insurance settlement service can be immediately performed according to the photos on the scene, which can improve the efficiency of insurance business execution and give users a better experience.

In order to make the above-mentioned features and advantages of the present invention more obvious and understandable, the embodiments are specifically described below in conjunction with the accompanying drawings for detailed description as follows.

Reference will now be made in detail to exemplary embodiments of the present invention, and examples of the exemplary embodiments will be described in the accompanying drawings. In addition, wherever possible, elements/components using the same reference numerals in the drawings and embodiments represent the same or similar parts.

FIG. 1 is a schematic diagram of a system for remote scene accident image and identity verification according to an embodiment of the invention.

Referring to FIG. 1, a system 1000 for remote scene accident image and identity verification includes an electronic device 100 and a server 120. Among them, the electronic device 100 and the server 120 can communicate with each other through the network 10 by wire or wirelessly. In addition, the server 120 is, for example, a company that handles insurance business, and the electronic device 100 is, for example, held by an insured insured.

The electronic device 100 and the server 120 may include a processing unit (not shown), a communication unit (not shown), and a storage unit (not shown), respectively. In the electronic device 100 or the server 120, the communication unit and the storage unit are respectively coupled to the processing unit. The electronic device 100 is, for example, an electronic device such as a mobile phone, a tablet computer, a notebook computer, etc., and is not limited here.

The processing unit may be a central processing unit (Central Processing Unit, CPU), or other programmable general-purpose or special-purpose microprocessor (Microprocessor), digital signal processor (Digital Signal Processor, DSP), programmable A controller, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar elements or a combination of the above elements.

The communication unit may be a global system for mobile communication (GSM), personal handy-phone system (PHS), code division multiple access (CDMA) system, broadband code division Wideband code division multiple access (WCDMA) system, long term evolution (LTE) system, global interoperability for microwave access (WiMAX) system, wireless fidelity (Wi-Fi) ) Components for signal transmission of the system or Bluetooth.

The storage unit can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory (flash memory) or similar components or Combination of the above elements.

In this exemplary embodiment, the storage units of the electronic device 100 and the server 120 store a plurality of code fragments, and after the above code fragments are installed, the processing units of the electronic device 100 and the server 120 are executed. For example, the storage units of the electronic device 100 and the server 120 include a plurality of modules, and the modules 1000 are used to execute the electronic device 100 and the server 120, respectively, for the system 1000 for remote on-site accident image and identity verification Each operation in, where each module is composed of one or more code fragments. However, the present invention is not limited to this, and the above operations may also be implemented in other hardware forms.

FIG. 2 is a flowchart of a method for remote scene accident image and identity verification according to an embodiment of the invention.

Please refer to FIG. 1 and FIG. 2 at the same time. The process of FIG. 2 can be applied to the system 1000 of FIG. 1 for remote scene accident image and identity verification. In detail, assuming that the user of the electronic device 100 is the insured, the electronic device 100 can install related communication software to send data to the server 120. It is assumed here that an accident occurred on an object of the insured. For example, a car accident occurred in the insured’s vehicle. At this time, the user of the electronic device 100 can provide the accident notification message to the server 120 through the electronic device 100 (step S201).

It should be noted that in an embodiment, before step S201, the electronic device 100 determines whether a third image is the same as the facial image template stored in the electronic device 100 in advance. The third image is captured by an electronic device and the third image is an image including the user's face. The electronic device 100 can extract features from the third image and the facial image template, respectively, and determine whether the difference between the features extracted from the third image and the features extracted from the facial image template is greater than the threshold. When the aforementioned difference is not greater than the threshold, it can be determined that the third image is the same as the facial image template, and the electronic device 100 executes the aforementioned step S201. Conversely, when the aforementioned difference is greater than the threshold, it can be determined that the third image is not the same as the face image template, and the electronic device 100 will not execute the aforementioned step S201.

In another embodiment, before step S201, the electronic device 100 can determine whether the fingerprint is the same as the fingerprint template pre-stored in the electronic device 100 according to the fingerprint input by the user through the electronic device 100. For example, the electronic device 100 can extract features from the fingerprint input by the user and the fingerprint template, and determine whether the difference between the features extracted from the fingerprint input by the user and the features extracted from the fingerprint template is greater than the threshold . When the aforementioned difference is not greater than the threshold, it can be determined that the fingerprint input by the user is the same as the fingerprint template, and then the electronic device 100 executes the aforementioned step S201. Conversely, when the aforementioned difference is greater than the threshold, it can be determined that the fingerprint input by the user is not the same as the fingerprint template, and the electronic device 100 will not execute the aforementioned step S201.

However, in other embodiments, after the server 120 receives the accident notification message, the server 120 may also send a message (also referred to as a second message) to the electronic device 100 according to the accident notification message to request the electronic device 100 to send verification Information (also referred to as first authentication information) to the server 120. After that, the server 120 receives the first verification information transmitted by the electronic device 100, executes an identity verification mechanism based on the first verification information to verify the identity of the insured, and determines whether the first verification information passes the verification. When the first verification information passes the verification, the subsequent step S203 in FIG. 2 is executed. Conversely, when the first verification information fails verification, the subsequent step S203 in FIG. 2 will not be executed.

In an embodiment, the aforementioned second message further includes at least one of a designated action and a designated expression. The first verification information includes an image (also referred to as a second image) having the aforementioned user's face. The server 120 determines whether the second image is captured according to at least one of the action specified in the second message and the specified expression. When the server 120 determines that the second image is shot according to at least one of the action specified in the second message and the specified expression, the server 120 determines that the first verification information passes verification. When the server 120 determines that the second image is not captured according to at least one of the action specified in the second message and the specified expression, the server 120 determines that the first verification information fails verification.

In another embodiment, the first verification information further includes the user's handwritten signature. The server 120 determines whether the handwritten signature is the same as the signature template stored in the server 120 in advance according to the user's handwritten signature. For example, the server 120 may extract features from the handwritten signature and the signature template, respectively, and determine whether the difference between the features extracted from the handwritten signature and the features extracted from the signature template is greater than the threshold. When the aforementioned difference is not greater than the threshold, it can be determined that the handwritten signature is the same as the signature template, and the server 120 determines that the first verification information passes verification. Conversely, when the aforementioned difference is greater than the threshold, it can be determined that the handwritten signature is not the same as the signature template, and the server 120 determines that the first verification information has not passed verification.

Assuming that the server 120 determines that the first verification information has not passed the verification, the process of FIG. 2 may be ended. However, in an embodiment, when the server 120 determines that the first verification information passes the verification, the server 120 may send a message (also referred to as the first message) to the electronic device 100 according to the incident notification message (step S203) . The first message is used to request the user of the electronic device 100 to take pictures of objects at the accident scene (for example, the vehicle in which the accident occurred) according to the multiple angles and gestures specified by the first message. In the present exemplary embodiment, the aforementioned multiple angles include the front, back, left, right, front, left, right, and left of the object (eg, vehicle) where the accident occurred. In addition, when shooting objects at the accident scene at every angle, for example, it is necessary to shoot with the gesture specified in the first message. That is to say, the image corresponding to each angle of the object also needs to include the gesture specified by the server 120, and the gesture captured in the image can be used to verify whether the image was taken by the user at the scene of the accident image. However, it should be noted that although the foregoing example is performed when the server 120 determines that the first verification information passes verification, step S203 is executed. However, in other embodiments, the server 120 may directly execute step S203 after executing step S201 without determining whether the first verification information passes verification.

After that, the electronic device 100 can transmit the captured first image to the server 120 (step S205). The server 120 determines whether the first image captures an object at the accident scene according to the angle and gesture specified in the first message (step S207). If the server 120 determines that the first image does not capture the object at the accident site according to the angle and gesture specified in the first message, the server 120 determines that the first image is not the image taken by the user at the accident site, and Will end the process of Figure 2. If the server 120 determines that the first image has an object at the scene of the accident according to the angle and gesture specified in the first message, the server 120 determines that the first image is the image taken by the user at the scene of the accident (step S209 ). At this time, the insurance business company can perform subsequent claims or other insurance-related business according to the aforementioned first image to handle the accident reported by the user.

In addition, in an embodiment, before the server 120 determines that the first image is the image captured by the user at the scene of the accident (ie, before step S209), the server 120 also determines the shooting time of the first image Whether the point is earlier than the sending time of the accident notification message. When the shooting time of the first image is earlier than the sending time of the accident notification message, the server 120 determines that the first image is not the image taken by the user at the accident scene. When the shooting time point of the first image is earlier than the sending time of the accident notification message, the server 120 determines that the first image is the image taken by the user at the accident scene in step S209.

In another embodiment, before the server 120 determines that the first image is the image taken by the user at the scene of the accident (ie, before step S209), the server 120 will also receive the positioning information of the electronic device 100, According to the positioning message of the electronic device 100, it is determined whether the first position corresponding to the positioning message is the same as the second position provided by the accident notification message. When the first position is different from the second position, the server 120 determines that the first image is not the image taken by the user at the scene of the accident. When the first position is the same as the second position, the server 120 determines that the first image is the image taken by the user at the accident scene in step S209.

In summary, the system for remote on-site accident image and identity verification and the method for remote on-site accident image and identity verification of the present invention can save manpower loss in handling the accident site, and can directly identify users through the server The identity and whether the image was taken at the scene of the accident, and can immediately follow the photos of the scene to carry out subsequent insurance claims services, which can improve the efficiency of insurance business execution and allow users to have a better experience.

Although the present invention has been disclosed as above with examples, it is not intended to limit the present invention. Any person with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of protection of the present invention shall be subject to the scope defined in the appended patent application.

1000: system for remote scene accident image and identity verification 100: electronic device 120: server 10: Internet S201: Steps for the electronic device to provide accident notification information S203: The server sends a first message to the electronic device according to the accident notification message, wherein the first message is used to request the user of the electronic device to photograph the objects at the accident scene according to the specified multiple angles and specified gestures of the first message S205: Steps for the electronic device to send multiple first images to the server S207: The server judges whether the first image shoots the object at the accident scene according to the angle and gesture specified in the first message S209: The server judges that the first image is the image taken by the user at the scene of the accident

FIG. 1 is a schematic diagram of a system for remote scene accident image and identity verification according to an embodiment of the invention. FIG. 2 is a flowchart of a method for remote scene accident image and identity verification according to an embodiment of the invention.

1000: system for remote scene accident image and identity verification

100: electronic device

120: server

10: Internet

Claims (18)

A system for remote on-site accident image and identity verification for verifying images shot at the scene of an accident, the system includes: a server; and an electronic device connected to the server through a network, The electronic device provides an accident notification message, and the server sends a first message to the electronic device according to the accident notification message, wherein the first message is used to request a user of the electronic device Shooting an object at the accident scene according to the plurality of angles specified by the first message and the specified at least one gesture, the electronic device transmits a plurality of first images to the server, the server according to the multiple A first image to determine whether the plurality of first images shoot the object at the accident scene according to the plurality of angles specified in the first message and the specified gesture, and when the server determines When the plurality of first images are shots of the object at the accident scene according to the plurality of angles specified in the first message and the plurality of gestures specified, the server determines the first The image is the image taken by the user at the scene of the accident. The system for remote on-site accident image and identity verification as described in item 1 of the scope of patent application, wherein before sending the first message to the operation of the electronic device, the server reports the message according to the accident , Sending a second message to the electronic device to request the electronic device to send at least one first verification information to the server, when the server receives the first verification information sent by the electronic device , The server performs an identity verification mechanism based on the first verification information to verify the identity of an insured, and when the server executes the identity verification mechanism based on the first verification information and the first When the verification information passes the verification, the server performs the operation of sending the first message to the electronic device. The system for remote on-site accident image and identity verification as described in item 2 of the scope of the patent application, wherein the first verification information includes a handwritten signature of the user, wherein A verification information is used to perform the operation of the identity verification mechanism, the server determines whether the handwritten signature is the same as a signature template based on the user's handwritten signature, and when the handwritten signature is the same as the signature When the template is used, the server determines that the first verification information passes verification. The system for remote on-site accident image and identity verification as described in item 2 of the patent scope, wherein the first verification information includes a second image with the face of the user, wherein the servo During the operation of the identity verification mechanism according to the first verification information, the server determines whether the second image is captured according to at least one of the action specified in the second message and the specified expression And, when the second image is taken according to at least one of the action specified in the second message and the specified expression, the server determines that the first verification information passes verification. The system for remote on-site accident image and identity verification as described in item 1 of the patent scope, wherein the electronic device determines whether a third image is the same before the operation of the electronic device to provide the accident notification message In a face image template, wherein the third image is captured by the electronic device and the third image is an image including the face of the user, and when the third image is the same as During the face image template, the electronic device performs the operation of providing the accident notification message. The system for remote on-site accident image and identity verification as described in item 1 of the patent application scope, wherein before the operation of the electronic device to provide the accident notification message, the electronic device according to the user’s The fingerprint determines whether the fingerprint is the same as a fingerprint template, and when the fingerprint is the same as the fingerprint template, the electronic device performs an operation of providing the accident notification message. The system for remote on-site accident image and identity verification as described in item 1 of the patent scope, wherein the multiple angles include the front of the object, the back of the object, the left, the right, the front right, and the left Front, right rear and left rear. The system for remote on-site accident image and identity verification as described in item 1 of the scope of patent application, wherein the first image is determined by the server as the image taken by the user at the accident site Before the operation, the server determines whether at least one shooting time point of the plurality of first images is earlier than the sending time of the accident notification message, when the shooting time point of the plurality of first images is early At the sending time of the accident notification message, the server determines that the first image is not the image taken by the user at the scene of the accident, and when the shooting of the plurality of first images The time point is not earlier than the sending time of the accident notification message, and the server determines that the first image is an image taken by the user at the scene of the accident. The system for remote on-site accident image and identity verification as described in item 1 of the scope of patent application, wherein the first image is determined by the server as the image taken by the user at the accident site Before the operation, the server receives a positioning message of the electronic device, and determines whether a first position corresponding to the positioning message is the same as that provided by the accident notification message according to the positioning message of the electronic device A second position, when the first position is different from the second position, the server determines that the first image is not the image taken by the user at the scene of the accident, and when When the first position is the same as the second position, the server determines that the first image is an image taken by the user at the scene of the accident. A method for remote site accident image and identity verification is applicable to a system for remote site accident image and identity verification. The system for remote site accident image and identity verification includes a server and a An electronic device, the method includes: providing an accident notification message by the electronic device; sending a first message to the electronic device according to the accident notification message by the server, wherein the first message To request a user of the electronic device to shoot an object at an accident scene according to the plurality of angles specified by the first message and the specified at least one gesture; send a plurality of first images to all objects by the electronic device The server; the server determines whether the plurality of first images are shot according to the plurality of angles specified in the first message and the specified gesture according to the plurality of first images The object at the accident scene; and when the server determines that the plurality of first images are taken at the accident scene according to the plurality of angles specified in the first message and the plurality of gestures specified In the case of the object, the server determines that the first image is an image taken by the user at the scene of the accident. The method for remote on-site accident image and identity verification as described in item 10 of the patent scope, wherein before the step of transmitting the first message to the electronic device, the method further includes: The server sends a second message to the electronic device according to the accident notification message to request the electronic device to send at least one first verification message to the server; when the server receives the message from the electronic device Of the first verification information, the server performs an identity verification mechanism based on the first verification information to verify the identity of an insured; and when the server executes based on the first verification information When the identity verification mechanism and the first verification information pass the verification, the server performs the step of transmitting the first message to the electronic device. The method for remote on-site accident image and identity verification as described in item 11 of the patent application scope, wherein the first verification information includes a handwritten signature of the user, wherein the server according to the A step of verifying the identity verification mechanism includes: determining, by the server, whether the handwritten signature is the same as a signature template based on the user's handwritten signature; and when the handwritten signature is the same as all When the signature template is described, the server determines that the first verification information passes verification. The method for remote on-site accident image and identity verification as described in item 11 of the patent scope, wherein the first verification information includes a second image with the face of the user, wherein The step of the server performing the identity verification mechanism based on the first verification information includes: determining, by the server, whether the second image is based on at least one of the action and the specified expression specified in the second message A shot; and when the second image is shot according to at least one of the action specified in the second message and the specified expression, the server verifies that the first verification information passes verification . The method for remote on-site accident image and identity verification as described in item 10 of the patent application scope, wherein before the step of providing the accident notification message by the electronic device, the method further includes: The electronic device determines whether a third image is the same as a face image template, wherein the third image is captured by the electronic device and the third image is an image including the user's face And when the third image is the same as the face image template, the step of providing the accident notification message is performed by the electronic device. The method for remote on-site accident image and identity verification as described in item 10 of the patent application scope, wherein before the step of providing the accident notification message by the electronic device, the method further includes: The electronic device determines whether the fingerprint is the same as a fingerprint template based on a fingerprint of the user; and when the fingerprint is the same as the fingerprint template, the electronic device executes the step of providing the accident notification message . The method for remote on-site accident image and identity verification as described in item 10 of the patent application scope, wherein the multiple angles include the front of the object, the back of the object, the left, the right, the front right, and the left Front, right rear and left rear. The method for remote site accident image and identity verification as described in item 10 of the patent application scope, wherein the first image is judged by the server to be taken by the user at the accident site Before the image step, the method further includes: determining, by the server, whether at least one shooting time point of the plurality of first images is earlier than the sending time of the accident notification message; when the plurality of first images The shooting time point of the image is earlier than the sending time of the accident notification message, and the server determines that the first image is not the image taken by the user at the accident scene; and when Whether the shooting time point of the plurality of first images is earlier than the sending time of the accident notification message, and the server determines that the first image is taken by the user at the accident scene Image. The method for remote site accident image and identity verification as described in item 10 of the patent application scope, wherein the first image is judged by the server to be taken by the user at the accident site Before the image step, the method further includes: receiving a positioning message of the electronic device by the server, and judging whether a first position corresponding to the positioning message is based on the positioning message of the electronic device Same as a second location provided by the accident notification message; when the first location is different from the second location, the server determines that the first image is not the user’s location An image currently shot at the accident scene; and when the first position is the same as the second position, the server determines that the first image is taken by the user at the accident scene Image.

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