CN104715417A - System and method for remotely processing vehicle insurance business - Google Patents

System and method for remotely processing vehicle insurance business Download PDF

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Publication number
CN104715417A
CN104715417A CN201310671364.8A CN201310671364A CN104715417A CN 104715417 A CN104715417 A CN 104715417A CN 201310671364 A CN201310671364 A CN 201310671364A CN 104715417 A CN104715417 A CN 104715417A
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China
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information
danger
vehicle
described
vehicles
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CN201310671364.8A
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Chinese (zh)
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耿明生
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耿明生
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Priority to CN201310671364.8A priority Critical patent/CN104715417A/en
Publication of CN104715417A publication Critical patent/CN104715417A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance, e.g. risk analysis or pensions

Abstract

The invention provides a system and method for remotely processing vehicle insurance business. The system is provided with a vehicle information verification module into which vehicle information is written, intelligent equipment and a remote danger reporting and danger handling service platform. When a vehicle is in danger, the intelligent equipment is started and reads the encrypted vehicle information recorded in the vehicle information verification module; a camera shoots photos or/and videos of the site of an accident or injury conditions; a pickup module inputs a statement of danger reporting content; the location of the accident of the vehicle and the danger reporting time are acquired; the photos or/and videos of the site of the accident or injury conditions, the input statement of the danger reporting content, the location of the accident of the vehicle and the danger reporting time are encrypted and packed into data packets; the data packets are uploaded to the remote danger reporting and danger handling service platform, the remote danger reporting and danger handling service platform checks the data packets after receiving the data packets, a danger reporting person is informed that the danger report has been accepted if the data packets pass the check, and the danger reporting person is informed that the danger report can not be accepted if the data packets do not pass the check.

Description

A kind of system of teleprocessing car insurance business and method thereof

Technical field

The present invention relates to when a kind of vehicle is in danger and realize report danger and the system of danger, place, especially relate to a kind of vehicle when being in danger, realize long-range report danger, locate the system of dangerous business handling; The invention still further relates to a kind of vehicle when being in danger, realize the method for teleprocessing car insurance business.

Background technology

Along with the development of auto industry, the construction of path resource can not catch up with the development of automobile quantity, when road traffic is day by day busy, traffic hazard is also increasing, insurance company and traffic police be in danger place danger task day by day heavy, if report danger can not be completed in time and locate energy dissipation, the environmental pollution that dangerous section makes to bring serious traffic congestion, in-trips vehicles, the drawbacks such as Trip Costs increase; In addition, also should not keep the scene intact for a long time on highway and other places, at rural area and hazard weather, often cause insurance company and traffic police can not arrive the scene of the accident in time, bring more adverse effect.Along with the development of insurance, insurance market competition, insurance company has motivation to improve the satisfaction of client by improving service, strengthens risk management and enhances competitiveness.Wherein, reasonably Claims Resolution service and effective underwriting, core pay for management is fast the key of enhancing competitiveness.If have, a kind of picking rate is fast, evidence obtaining ability is good, with a high credibility, low-carbon environment-friendly, Claims Resolution system easy to use, will meet the demand in market.

At present, there are some on the market complementary car accident is long-range and surveyed system, such as, by being arranged on the watch-dog of maintenance depot or utilizing smart mobile phone application software to take to carry out report danger, place by inches.But, these equipment can not confirm to report the time of casualty of dangerous vehicle, the authenticity of accident spot, the true identity reporting dangerous vehicle can not be examined like clockwork, and these report dangers, locate dangerous mode and do not form complete case file, concerning insurance company, there is business risk, insurance company is from safeguarding self legitimate rights and interests, reduce business risk to set out, such long-range report is dangerous and locate the accreditation that dangerous system fails to obtain market.

China Patent Publication No. CN101303761A, denomination of invention is the patent of " a kind of mobile phone is taken and uploaded the vehicle insurance Claims Resolution integrated system of evidence-obtaining photograph or video ", disclose a kind of mobile phone that adopts to take pictures in real time or capture video, shooting forensic information is embedded in photo or video simultaneously, and picture library of uploading onto the server in real time, accept the method for vehicle insurance Claims Resolution, that is: on-the-spot in car accident, car owner or Insurance Actuary are by mobile phone captured in real-time accident photograph or video, simultaneously automatically, in photo or video, embed shooting time, forensic information (comprising: the base station information that mobile phone can be got, the GPS information of GPS mobile phone, the MAC Address that mobile phone wireless connects, capture apparatus information and warning number) and check code, upload in remote server picture library in real time simultaneously, vehicle insurance setting loss Claims Resolution process is carried out according to the photo uploaded or video by setting loss person.The present invention is based on above image pickup method and propose a kind of vehicle insurance Claims Resolution integrated approach, that is: by above method, car owner, call center, Insurance Actuary, yardman, setting loss person, adjustment person and core compensation person are carried out business integration, form the vehicle insurance Claims Resolution general flow of integrated treatment of reporting a case to the security authorities, dispatch and settle a claim.

Technical scheme disclosed in CN101303761A, although can confirm ground of reporting to the police, also immediately can take accident photograph or video and upload in the server of insurance company, but still cannot confirm the real information of vehicle, insurance company still has higher business risk.

China Patent Publication No. CN101546416A, denomination of invention discloses a kind of method based on mobile communication system remotely treating automobile insurance service for " a kind of method of remotely treating automobile insurance service and system thereof ", comprise the following steps: that mobile communication system uses portable mobile communication apparatus, utilize the information format of communication system to carry out the long-range vehicle insurance underwriting business realizing vehicle by input customer information, and store or export underwriting information;

When vehicle is in danger, mobile communication system uses portable mobile communication apparatus, utilize the information format of communication system to complete vehicle insurance based on underwriting information fast report a case to the security authorities by the input client automatic guided interaction of information that is in danger, and store or export vehicle insurance and to report a case to the security authorities information;

To report a case to the security authorities information based on underwriting information and vehicle insurance, by using portable mobile communication apparatus collection site image information and relevant vehicle insurance accident information is long-range completes the vehicle insurance scene of the accident and vehicle is surveyed, and store or export the vehicle insurance scene of the accident and information surveyed by vehicle; And survey information based on report a case to the security authorities information and the vehicle insurance scene of the accident and vehicle of underwriting information, vehicle insurance, remote mobile completes vehicle insurance setting loss, and generates vehicle insurance setting loss information, and this car setting loss information is sent to repair and maintenance shop or relevant department.

CN101546416A also discloses a kind of system based on mobile communication system remotely treating automobile insurance service, comprises following modules:

Mobile long-range underwriting business processing module, uses portable mobile communication apparatus, utilizes the information format of communication system to carry out the long-range vehicle insurance underwriting business realizing vehicle by input customer information, and stores or export underwriting information;

Short (coloured silk) letter vehicle insurance is reported a case to the security authorities fast, case of being informed of a case processing module, when vehicle is in danger, the information format of communication system is utilized to use portable mobile communication apparatus, complete vehicle insurance based on underwriting information fast report a case to the security authorities by the input client automatic guided interaction of information that is in danger, and store or export vehicle insurance and to report a case to the security authorities information;

Mobile teleprocessing case surveys business module, to report a case to the security authorities information based on underwriting information and vehicle insurance, by using portable mobile communication apparatus input scene image information and relevant information is long-range completes the vehicle insurance scene of the accident and vehicle is surveyed, and store or export the vehicle insurance scene of the accident and information surveyed by vehicle;

Mobile teleprocessing setting loss business module, information is surveyed based on report a case to the security authorities information and the vehicle insurance scene of the accident and vehicle of underwriting information, vehicle insurance, remote mobile completes vehicle insurance setting loss, and generates vehicle insurance setting loss information, and this vehicle insurance setting loss information is sent to repair and maintenance shop or relevant department.

Technical scheme disclosed in CN101546416A still cannot confirm the real information of vehicle, cannot the comprehensive and accuracy of guarantee information, and affect greatly by moral level, insurance company still has higher business risk.

Summary of the invention

In order to overcome the deficiencies in the prior art, the object of the invention is to: system and method thereof that a kind of teleprocessing car insurance business is provided.The defect that prior art is brought can be overcome, to realize to complete report danger when vehicle has an accident long-range, reliable, efficient, timely, low-carbon environment-friendly, locating handling of dangerous business.

In order to solve aforementioned technical problem, according to an aspect of the present invention, the system of the teleprocessing car insurance business provided, at least has the information of vehicles authentication module be installed in vehicle; Moveable smart machine; Long-range report danger and the dangerous service platform in place;

Described information of vehicles authentication module at least comprises: single-chip microcomputer, memory module, wireless communication module, USB link block and power module, connected by circuit between them, write in memory module by described USB link block after at least comprising the information of vehicles encryption of vehicle frame numbering, engine mumber, owner information;

Described smart machine at least has process chip, memory module, camera, pickup module, cellular mobile communication module, the wireless communication module that is connected with described information of vehicles authentication module, there is shooting, take pictures, record, locate, mobile Internet, wireless telecommunications, data encryption packing function, and be written with the running program of correlation function;

Described long-range report danger comprises with the dangerous service platform in place: vehicle information management system, vehicle are insured information query system; Described vehicle information management system, for the typing inquiry of information of vehicles, the information encryption of information of vehicles authentication module and write; Described vehicle is insured information query system, and the vehicle for obtaining insurance company's record is insured information.

Described location is comprised and to be positioned accident spot by cellular mobile communication module and to obtain the report danger time.Also by global position system accident spot positioned in improvement project and obtain the report danger time.

As one of the preferred version of the system of teleprocessing car insurance business provided by the invention, the system of teleprocessing car insurance business provided by the invention, described memory module is flash memory or eeprom chip.

As the preferred version two of the system of teleprocessing car insurance business provided by the invention, the system of teleprocessing car insurance business provided by the invention, described memory module is built in described single-chip microcomputer.

As the preferred version three of the system of teleprocessing car insurance business provided by the invention, the system of teleprocessing car insurance business provided by the invention, described wireless communication module is bluetooth equipment or wifi equipment.

As one of the further improvement project of the system of teleprocessing car insurance business provided by the invention, the system of teleprocessing car insurance business provided by the invention, described information of vehicles also comprises number-plate number information.

As the further improvement project two of the system of teleprocessing car insurance business provided by the invention, the system of teleprocessing car insurance business provided by the invention, described smart machine also has satellite positioning module.

As the further improvement project three of the system of teleprocessing car insurance business provided by the invention, the system of teleprocessing car insurance business provided by the invention, described long-range report danger and the dangerous service platform in place also comprise vehicle and are in danger and locate dangerous register system, described vehicle is in danger and locates dangerous register system, for storing described packet; The dangerous record in place that is in danger of record and inquiry accident vehicle.

In order to solve aforementioned technical problem, according to an aspect of the present invention, the method for the teleprocessing car insurance business provided, comprises the following steps:

Information of vehicles authentication module is arranged on vehicle, described information of vehicles authentication module at least comprises: single-chip microcomputer, memory module, wireless communication module, USB link block and power module, connected by circuit between them, write in memory module by described USB link block after at least comprising the information of vehicles encryption of vehicle frame numbering, engine mumber, owner information;

When vehicle is in danger, enable the running program of aftermentioned smart machine, the running program of described smart machine comprises and reads by wireless telecommunications the encryption information of vehicles recorded in described information of vehicles authentication module; By camera take the scene of the accident, degree of impairment photo or/and video; By the statement of pickup module typing report danger content; The car accident position that smart machine obtains and report danger time; Described smart machine by the photo of the scene of the accident, degree of impairment or/and video, the report of typing danger content presentation, car accident position and the time encryption of report danger are packaged into packet; Described packet is uploaded to aftermentioned long-range report danger and the dangerous service platform in place;

Described smart machine at least has process chip, memory module, camera, pickup module, cellular mobile communication module, the wireless communication module that is connected with described information of vehicles authentication module, at least there is shooting, take pictures, record, locate, mobile Internet, wireless telecommunications, data encryption packing function, and be written with the running program of correlation function;

Described long-range report danger comprises with the dangerous service platform in place: vehicle information management system, vehicle are insured information query system; Described vehicle information management system, for the typing inquiry of information of vehicles, the information encryption of information of vehicles authentication module and write; Described vehicle is insured information query system, and the vehicle for obtaining insurance company's record is insured information;

After described long-range report danger receives described packet with the dangerous service platform in place, described vehicle information management system, vehicle insure information query system to report dangerous information of vehicles examine, examine by time notice report dangerous people accepted its report danger, examine by notice report dangerous people off the docket its report danger.

As embodiments of the invention, described smart machine can write the running program of described associative operation function on the equipment such as Android smartphone, Iphone, Windows Phone smart mobile phone, Android panel computer, IPAD.

As one of the preferred version of the method for teleprocessing car insurance business provided by the invention, the method for teleprocessing car insurance business provided by the invention, the time that described time of casualty obtains for global position system or the time that mobile network provides.

As the preferred version two of the method for teleprocessing car insurance business provided by the invention, the method for teleprocessing car insurance business provided by the invention, described accident spot is the place of global position system acquisition or the place of mobile network location.

As one of the further improvements in methods scheme of teleprocessing car insurance business provided by the invention, the method of teleprocessing car insurance business provided by the invention, after described smart machine reads the encryption information of vehicles recorded in described information of vehicles authentication module; Access long-range report danger and the dangerous service platform in place, long-range report danger is examined described information of vehicles with the dangerous service platform in place and whether is belonged to vehicle of insuring, belong to the vehicle notification report danger personnel that insure and carry out next step operation, do not belong to the vehicle notification report danger personnel that insure its report danger off the docket.

As the further improvements in methods scheme two of teleprocessing car insurance business provided by the invention, the method of teleprocessing car insurance business provided by the invention, described long-range report danger and the dangerous service platform in place also comprise vehicle and are in danger and locate dangerous register system, described vehicle is in danger and locates dangerous register system, for storing described packet; The dangerous record in place that is in danger of record and inquiry accident vehicle.

As the further improvements in methods scheme three of teleprocessing car insurance business provided by the invention, the method for teleprocessing car insurance business provided by the invention, described information of vehicles also comprises number-plate number information.

As embodiments of the invention, described smart machine has following functions: information of vehicles read functions, shooting, camera function, position and timi requirement function, voice input function, data encryption packing function, data upload function.Described information of vehicles read functions, for reading the encryption information of vehicles recorded in information of vehicles authentication module by wireless telecommunications; Described shooting, camera function, for call on smart machine camera shooting the scene of the accident, degree of impairment video or/and photo; Described position and timi requirement function, for determining car accident position and report danger time; Described voice input function, for calling the statement of the pickup module typing report danger content on smart machine; Described data encryption packing function, for by the photo of the scene of the accident photographed, degree of impairment or/and the information encryptions such as the statement of video, report danger content, information of vehicles, car accident position and report danger time are packaged into packet, prevent data to be tampered; Described data upload function, for by described packet by upload to long-range report danger with place dangerous service platform.

As embodiments of the invention, the packing of encryption described in the present invention adopts the block encryption algorithm or rivest, shamir, adelman of specifying in ISO/IEC 18033-3 to be encrypted packing, and guarantees that packet is from the unique real collecting network reception by hashing algorithm.Also other encryption packing manner can be adopted.

Those skilled in the art not think that when conflicting, preferred version of the present invention or improvement project can be implemented alone or in combination.

Beneficial effect: technical scheme provided by the invention, when vehicle has an accident, enables smart machine, and described smart machine reads the encryption information of vehicles of described information of vehicles authentication module record; By camera take the scene of the accident, degree of impairment photo or/and video; By the statement of pickup module typing report danger content; The car accident position that smart machine obtains and report danger time; Described smart machine by the photo of the scene of the accident, degree of impairment or/and video, the report of typing danger content presentation, car accident position and the time encryption of report danger are packaged into packet; Described packet is uploaded to aftermentioned long-range report danger and the dangerous service platform in place.Because adopting encryption technology, can guarantee to report dangerous car accident position and report danger time, accident vehicle information, the scene of the accident video or/and information objective realities such as photos, realizing insurance company need not send dangerous attendant long-rangely can complete place dangerous section work to the scene of the accident, for insurance company and insurer save time, human and material resources, financial resources, the energy dissipation of the road congestion that effective minimizing traffic hazard causes and in-trips vehicles, the pollution to environment, and complete report danger can be formed, locate dangerous electronic record, improve the management matter effect of insurance company.

accompanying drawing explanation

Accompanying drawing is used to provide a further understanding of the present invention, and form a application's part, schematic description and description of the present invention, for explaining the present invention, does not form inappropriate limitation of the present invention.In the accompanying drawings:

Fig. 1 is the System's composition schematic diagram of embodiment teleprocessing car insurance business;

Fig. 2 is that embodiment vehicle realizes long-range report danger and the dangerous process flow diagram in place when being in danger.

Embodiment

As shown in Figure 1, the system of embodiment teleprocessing car insurance business, has the information of vehicles authentication module be installed in vehicle; Moveable smart machine; Long-range report danger and the dangerous service platform in place.

As shown in Figure 1, described information of vehicles authentication module comprises: single-chip microcomputer, memory module, wireless communication module, USB link block and power module, connected by circuit between them.Comprise the information of vehicles such as carriage frame numbering, engine mumber, owner information by USB link block write memory module, bridge queen on vehicle, also comprises and number-plate number information also being write in memory module; Described single-chip microcomputer, selects industrial single-chip microcomputer, for the moving calculation of the relative program such as encryption, storage, communication of information of vehicles; Described memory module, for industrial flash memory, eeprom chip or be built in single-chip microcomputer, industrial flash memory, eeprom chip are connected with single-chip microcomputer by circuit, and memory module is used for the information of vehicles after storage encryption; Described wireless communication module is bluetooth equipment or wifi equipment, for carrying out communication with smart machine, receiving smart machine request and sending information of vehicles to smart machine; Described USB link block, have USB interface and USB chip, wherein USB chip can be built in single-chip microcomputer, and the information of vehicles after encryption writes in the memory module of information of vehicles authentication module by USB interface by computing machine; Described power module, for battery, vehicle power supply or other supply voltage being converted to the voltage of described information of vehicles authentication module coupling, and being embodied as information of vehicles authentication module and powering.

As one embodiment of the present of invention, LPC1752 selected by single-chip microcomputer, memory module is integrated in the flash in LPC1752, wireless communication module selects Bluetooth chip BC417143B-IQN-E4, the UART interface of single-chip microcomputer LPC1752 is connected to by circuit, power module adopts general industry power-switching circuit, is the 3.3V power supply that information of vehicles authentication module uses by 24V ~ 3.3V Power convert; USB link block uses the USB communication module being integrated in LPC1752 inside.

As shown in Figure 1, described smart machine has process chip, memory module, camera, pickup module, cellular mobile communication module, the wireless communication module that is connected with described information of vehicles authentication module, there is shooting, take pictures, record, locate, mobile Internet, wireless telecommunications, data encryption packing function, and on described storage chip, be written with the running program of correlation function.In other embodiments, described smart machine also has satellite positioning module, obtains time and located sites by global position system.

Described smart machine has following functions: information of vehicles read functions, shooting, camera function, position and timi requirement function, voice input function, data encryption packing function, data upload function.Described information of vehicles read functions, for reading the information of vehicles recorded in information of vehicles authentication module by wireless telecommunications; Described shooting, camera function, for call on smart machine camera shooting the scene of the accident, degree of impairment video or/and photo; Described position and timi requirement function, for determining car accident position and report danger time; Described voice input function, for calling the statement of the pickup module typing report danger content on smart machine; Described data encryption packing function, for by the photo of the scene of the accident photographed, degree of impairment or/and the information encryptions such as the statement of video, report danger content, information of vehicles, car accident position and report danger time are packaged into packet, prevent data to be tampered; Described data upload function, for by described packet by upload to long-range report danger with place dangerous service platform.In an embodiment, smart machine is connected with described information of vehicles authentication module by wifi or bluetooth, reads information of vehicles; By the statement of microphone typing report danger content, the statement of dangerous content is reported to comprise statement and the conversation content of report danger side and place danger side personnel.

As shown in Figure 1, described long-range report danger comprises with the dangerous service platform in place: insure information query system, vehicle of vehicle information management system, vehicle is in danger and locates dangerous register system, described vehicle information management system, for the typing inquiry of information of vehicles, the information encryption of information of vehicles authentication module and write; Described vehicle is insured information query system, and the vehicle for obtaining insurance company's record is insured information; Described vehicle is in danger and locates dangerous register system, for storing described packet; The dangerous record in place that is in danger of record and inquiry accident vehicle.

Long-range report danger can be arranged on insurance company with the dangerous service platform in place, and described long-range report danger is connected with described smart machine by mobile communications network with the dangerous service platform in place.

As shown in Figure 2, be arranged on vehicle by information of vehicles authentication module, information of vehicles authentication module comprises single-chip microcomputer, memory module, wireless communication module, USB link block and power module, is connected between them by circuit.Write in memory module by after the vehicle information encryptions such as number-plate number information, vehicle frame numbering, engine mumber, owner information by described USB link block; When vehicle is in danger, enable smart machine, described smart machine connects information of vehicles authentication module by wifi or bluetooth, and reads the encryption information of vehicles recorded in described information of vehicles authentication module; By camera take the scene of the accident, degree of impairment photo or/and video; By the statement of pickup module typing report danger content; The car accident position that smart machine obtains and report danger time; The order of above-mentioned three processes is unrestricted, and likely carries out simultaneously.Described smart machine by the photo of the scene of the accident, degree of impairment or/and video, the report of typing danger content presentation, car accident position and the time encryption of report danger are packaged into packet; Described packet is uploaded to long-range report danger and the dangerous service platform in place.

After described long-range report danger receives described packet with the dangerous service platform in place, described vehicle information management system, vehicle insure information query system to report dangerous information of vehicles examine, examine by time notice report dangerous people accepted its report danger, examine by notice report dangerous people off the docket its report danger.Described vehicle is in danger and locates dangerous register system, stores described packet, and record is in danger and locates dangerous record, and can for inquiry.

In other embodiments, described smart machine connects information of vehicles authentication module by wifi or bluetooth, and after reading the encryption information of vehicles recorded in described information of vehicles authentication module, smart machine accesses long-range report danger and the dangerous service platform in place, long-range report danger is examined described information of vehicles with the dangerous service platform in place and whether is belonged to vehicle of insuring, belong to the vehicle notification report danger personnel that insure and carry out next step operation, do not belong to the vehicle notification report danger personnel that insure its report danger off the docket.After reporting dangerous personnel to receive next step operational order, continue use smart machine, by camera take the scene of the accident, degree of impairment photo or/and video; By the statement of pickup module typing report danger content; The car accident position that smart machine obtains and report danger time; The order of above-mentioned three processes is unrestricted, and likely carries out simultaneously.Described smart machine by the photo of the scene of the accident, degree of impairment or/and video, the report of typing danger content presentation, car accident position and the time encryption of report danger are packaged into packet; Described packet is uploaded to long-range report danger and the dangerous service platform in place.

Technical scheme provided by the invention, the statement of the scene of the accident, degree of impairment, typing report danger content can be presented objective reality, the true identity of long-range report danger vehicle can be confirmed, realize long-range report danger without the need to insurance company dispatches officers to arrive the scene of the accident, locate dangerous business.For insurance company and can report that dangerous people saves time, the consumption of human and material resources, financial resources thus, effectively reduce the road congestion time that traffic hazard brings, save energy-consuming, the protection of the environment of in-trips vehicles.The complete report danger of case can be formed, locate dangerous archives, improve the management matter effect of insurance company.

The content that the present invention does not elaborate is the known technology of those skilled in the art, or can obtain without the need to paying creative work in conjunction with known technology in content basis disclosed by the invention.

Obviously, the invention is not restricted to above preferred implementation, in the spirit that also can limit in the claims in the present invention and instructions, carry out conversion and the improvement of various ways, can same technical matters be solved, and obtain the technique effect of expection, therefore not repeat.Those of ordinary skill in the art can from content disclosed by the invention directly or all schemes associated, as long as within the spirit limited in claim, also belong to protection scope of the present invention.

Claims (13)

1. a system for teleprocessing car insurance business, is characterized in that, at least has the information of vehicles authentication module be installed in vehicle; Moveable smart machine; Long-range report danger and the dangerous service platform in place;
Described information of vehicles authentication module at least comprises: single-chip microcomputer, memory module, wireless communication module, USB link block and power module, connected by circuit between them, write in memory module by described USB link block after at least comprising the information of vehicles encryption of vehicle frame numbering, engine mumber, owner information;
Described smart machine at least has process chip, memory module, camera, pickup module, cellular mobile communication module, the wireless communication module that is connected with described information of vehicles authentication module, at least there is shooting, take pictures, record, locate, mobile Internet, wireless telecommunications, data encryption packing function, and be written with the running program of correlation function;
Described long-range report danger comprises with the dangerous service platform in place: vehicle information management system, vehicle are insured information query system; Described vehicle information management system, for the typing inquiry of information of vehicles, the information encryption of information of vehicles authentication module and write; Described vehicle is insured information query system, and the vehicle for obtaining insurance company's record is insured information.
2. the system of teleprocessing car insurance business according to claim 1, is characterized in that: described memory module is flash memory or eeprom chip.
3. the system of teleprocessing car insurance business according to claim 1, is characterized in that: described memory module is built in described single-chip microcomputer.
4. the system of teleprocessing car insurance business according to claim 1, is characterized in that: wireless communication module is bluetooth equipment or wifi equipment.
5. the system of teleprocessing car insurance business according to claim 1, is characterized in that: described information of vehicles also comprises number-plate number information.
6. the system of teleprocessing car insurance business according to claim 1, is characterized in that: described smart machine also has satellite positioning module.
7. the system of teleprocessing car insurance business according to claim 1, is characterized in that: described long-range report danger and the dangerous service platform in place also comprise vehicle and be in danger and locate dangerous register system, and described vehicle is in danger and locates dangerous register system, for storing described packet; The dangerous record in place that is in danger of record and inquiry accident vehicle.
8. a method for teleprocessing car insurance business, is characterized in that, comprise the following steps:
Information of vehicles authentication module is arranged on vehicle, described information of vehicles authentication module at least comprises: single-chip microcomputer, memory module, wireless communication module, USB link block and power module, connected by circuit between them, write in memory module by described USB link block after at least comprising the information of vehicles encryption of vehicle frame numbering, engine mumber, owner information;
When vehicle is in danger, enable smart machine, described smart machine comprises and reads by wireless telecommunications the encryption information of vehicles recorded in described information of vehicles authentication module; By camera take the scene of the accident, degree of impairment photo or/and video; By the statement of pickup module typing report danger content; Smart machine obtains car accident position and report danger time; Described smart machine by the photo of the scene of the accident, degree of impairment or/and video, the report of typing danger content presentation, car accident position and the time encryption of report danger are packaged into packet; Described packet is uploaded to long-range report danger and the dangerous service platform in place;
Described smart machine at least has process chip, memory module, camera, pickup module, cellular mobile communication module, the wireless communication module that is connected with described information of vehicles authentication module, at least there is shooting, take pictures, record, locate, mobile Internet, wireless telecommunications, data encryption packing function, and be written with the running program of correlation function;
Described long-range report danger comprises with the dangerous service platform in place: vehicle information management system, vehicle are insured information query system; Described vehicle information management system, for the typing inquiry of information of vehicles, the information encryption of information of vehicles authentication module and write; Described vehicle is insured information query system, and the vehicle for obtaining insurance company's record is insured information;
After described long-range report danger receives described packet with the dangerous service platform in place, described vehicle information management system, vehicle insure information query system to report dangerous information of vehicles examine, examine by time notice report dangerous people accepted its report danger, examine by notice report dangerous people off the docket its report danger.
9. the method for teleprocessing car insurance business according to claim 8, is characterized in that: the time that described time of casualty obtains for global position system or the time that mobile network provides.
10. the method for teleprocessing car insurance business according to claim 8, is characterized in that: described accident spot is the place of global position system acquisition or the place of mobile network location.
The method of 11. teleprocessing car insurance business according to claim 8, is characterized in that: after described smart machine reads the encryption information of vehicles recorded in described information of vehicles authentication module; Access long-range report danger and the dangerous service platform in place, long-range report danger is examined described information of vehicles with the dangerous service platform in place and whether is belonged to vehicle of insuring, belong to the vehicle notification report danger personnel that insure and carry out next step operation, do not belong to the vehicle notification report danger personnel that insure its report danger off the docket.
The method of 12. teleprocessing car insurance business according to claim 8, is characterized in that: described long-range report danger and the dangerous service platform in place also comprise vehicle and be in danger and locate dangerous register system, and described vehicle is in danger and locates dangerous register system, for storing described packet; The dangerous record in place that is in danger of record and inquiry accident vehicle.
The method of 13. teleprocessing car insurance business according to claim 8, is characterized in that: described information of vehicles also comprises number-plate number information.
CN201310671364.8A 2013-12-12 2013-12-12 System and method for remotely processing vehicle insurance business CN104715417A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201310671364.8A CN104715417A (en) 2013-12-12 2013-12-12 System and method for remotely processing vehicle insurance business

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201310671364.8A CN104715417A (en) 2013-12-12 2013-12-12 System and method for remotely processing vehicle insurance business
PCT/CN2013/090246 WO2015085629A1 (en) 2013-12-12 2013-12-23 Vehicle insurance service remote-handling system and method thereof

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CN104954486A (en) * 2015-06-30 2015-09-30 安卓(天津)科技有限公司 Intelligent remote underwriting platform
CN105894384A (en) * 2015-11-11 2016-08-24 乐卡汽车智能科技(北京)有限公司 Vehicle accident claims information obtaining method and device
CN105959615A (en) * 2015-10-20 2016-09-21 李万鸿 Insurance monitoring system
CN106097715A (en) * 2016-08-03 2016-11-09 深圳市永兴元科技有限公司 Vehicle insurance surveys auxiliary terminal, system and its implementation
CN106296417A (en) * 2016-08-23 2017-01-04 苏州华兴源创电子科技有限公司 A kind of setting loss request scheduling method based on many cases and system
CN106355505A (en) * 2016-08-17 2017-01-25 深圳市永兴元科技有限公司 Insurance claim method and system
CN106447581A (en) * 2016-10-31 2017-02-22 广东云顺通科技信息有限公司 System and method thereof for self negotiation and quick treatment on traffic accidents
CN106570758A (en) * 2016-10-28 2017-04-19 公安部交通管理科学研究所 Car insurance claim evidence information collection method and device
CN106780043A (en) * 2016-10-24 2017-05-31 深圳有麦科技有限公司 The dangerous method of one kind report and its system
WO2017124535A1 (en) * 2016-01-24 2017-07-27 李强生 Information pushing method when evidences are obtained for vehicle insurance, and evidence obtaining system
WO2017124536A1 (en) * 2016-01-24 2017-07-27 李强生 Method for obtaining evidences for vehicle insurance, and evidence obtaining system
CN107085814A (en) * 2017-04-11 2017-08-22 武汉华创欣网科技有限公司 A kind of analysis method and system of vehicle insurance Claims Resolution photo
CN107087025A (en) * 2017-04-11 2017-08-22 武汉华创欣网科技有限公司 A kind of car damage identification Claims Resolution method and device based on mobile network communication
CN107516278A (en) * 2016-06-15 2017-12-26 平安科技(深圳)有限公司 The treating method and apparatus that vehicle insurance is reported a case to the security authorities
CN107742208A (en) * 2017-11-23 2018-02-27 中国平安财产保险股份有限公司 Vehicle is in danger querying method, device, equipment and the computer media of flow
CN107835382A (en) * 2017-11-28 2018-03-23 甜新科技(上海)有限公司 A kind of long-range property damage evidence collecting method based on live video stream
CN107833010A (en) * 2017-09-30 2018-03-23 平安科技(深圳)有限公司 Method, apparatus, storage medium and the terminal of the preposition scanning of image information
CN108090747A (en) * 2018-01-25 2018-05-29 中国平安财产保险股份有限公司 Self-service method, apparatus of validating the car, equipment and the computer storage media that vehicle insurance core is protected
CN108682010A (en) * 2018-05-08 2018-10-19 阿里巴巴集团控股有限公司 Processing method, processing equipment, client and the server of vehicle damage identification
WO2019037191A1 (en) * 2017-08-24 2019-02-28 平安科技(深圳)有限公司 Method and apparatus for counting continuous insurance acceptance years, and computer-readable storage medium
WO2019080236A1 (en) * 2017-10-27 2019-05-02 平安科技(深圳)有限公司 Disaster response processing method and apparatus for vehicle insurance, computer device, and storage medium
WO2020024406A1 (en) * 2018-08-01 2020-02-06 平安科技(深圳)有限公司 Electronic device, method for scheduling car insurance investigation tasks based on traffic factor, and storage medium

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CN101546416A (en) * 2009-04-27 2009-09-30 谢谦 Method for remotely treating automobile insurance service and system thereof
CN202904666U (en) * 2012-06-28 2013-04-24 江苏汉德天坤数字技术有限公司 A self-service car insurance claim system
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Cited By (25)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104954486A (en) * 2015-06-30 2015-09-30 安卓(天津)科技有限公司 Intelligent remote underwriting platform
CN105959615A (en) * 2015-10-20 2016-09-21 李万鸿 Insurance monitoring system
WO2017067059A1 (en) * 2015-10-20 2017-04-27 李万鸿 Insurance monitoring system
CN105894384A (en) * 2015-11-11 2016-08-24 乐卡汽车智能科技(北京)有限公司 Vehicle accident claims information obtaining method and device
WO2017124535A1 (en) * 2016-01-24 2017-07-27 李强生 Information pushing method when evidences are obtained for vehicle insurance, and evidence obtaining system
WO2017124536A1 (en) * 2016-01-24 2017-07-27 李强生 Method for obtaining evidences for vehicle insurance, and evidence obtaining system
CN107516278A (en) * 2016-06-15 2017-12-26 平安科技(深圳)有限公司 The treating method and apparatus that vehicle insurance is reported a case to the security authorities
CN106097715A (en) * 2016-08-03 2016-11-09 深圳市永兴元科技有限公司 Vehicle insurance surveys auxiliary terminal, system and its implementation
CN106355505A (en) * 2016-08-17 2017-01-25 深圳市永兴元科技有限公司 Insurance claim method and system
CN106296417A (en) * 2016-08-23 2017-01-04 苏州华兴源创电子科技有限公司 A kind of setting loss request scheduling method based on many cases and system
CN106780043A (en) * 2016-10-24 2017-05-31 深圳有麦科技有限公司 The dangerous method of one kind report and its system
CN106570758A (en) * 2016-10-28 2017-04-19 公安部交通管理科学研究所 Car insurance claim evidence information collection method and device
CN106447581A (en) * 2016-10-31 2017-02-22 广东云顺通科技信息有限公司 System and method thereof for self negotiation and quick treatment on traffic accidents
CN107087025A (en) * 2017-04-11 2017-08-22 武汉华创欣网科技有限公司 A kind of car damage identification Claims Resolution method and device based on mobile network communication
CN107085814A (en) * 2017-04-11 2017-08-22 武汉华创欣网科技有限公司 A kind of analysis method and system of vehicle insurance Claims Resolution photo
WO2019037191A1 (en) * 2017-08-24 2019-02-28 平安科技(深圳)有限公司 Method and apparatus for counting continuous insurance acceptance years, and computer-readable storage medium
WO2019062059A1 (en) * 2017-09-30 2019-04-04 平安科技(深圳)有限公司 Method and apparatus for pre-scanning image information, storage medium, and terminal
CN107833010A (en) * 2017-09-30 2018-03-23 平安科技(深圳)有限公司 Method, apparatus, storage medium and the terminal of the preposition scanning of image information
WO2019080236A1 (en) * 2017-10-27 2019-05-02 平安科技(深圳)有限公司 Disaster response processing method and apparatus for vehicle insurance, computer device, and storage medium
CN107742208A (en) * 2017-11-23 2018-02-27 中国平安财产保险股份有限公司 Vehicle is in danger querying method, device, equipment and the computer media of flow
CN107835382A (en) * 2017-11-28 2018-03-23 甜新科技(上海)有限公司 A kind of long-range property damage evidence collecting method based on live video stream
CN108090747A (en) * 2018-01-25 2018-05-29 中国平安财产保险股份有限公司 Self-service method, apparatus of validating the car, equipment and the computer storage media that vehicle insurance core is protected
CN108682010A (en) * 2018-05-08 2018-10-19 阿里巴巴集团控股有限公司 Processing method, processing equipment, client and the server of vehicle damage identification
WO2019214321A1 (en) * 2018-05-08 2019-11-14 阿里巴巴集团控股有限公司 Vehicle damage identification processing method, processing device, client and server
WO2020024406A1 (en) * 2018-08-01 2020-02-06 平安科技(深圳)有限公司 Electronic device, method for scheduling car insurance investigation tasks based on traffic factor, and storage medium

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