CN105847376A - Vehicle insurance assessment system and method - Google Patents

Vehicle insurance assessment system and method Download PDF

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Publication number
CN105847376A
CN105847376A CN201610221772.7A CN201610221772A CN105847376A CN 105847376 A CN105847376 A CN 105847376A CN 201610221772 A CN201610221772 A CN 201610221772A CN 105847376 A CN105847376 A CN 105847376A
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China
Prior art keywords
surveying
person
resolution
vehicle insurance
mobile terminal
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CN201610221772.7A
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Chinese (zh)
Inventor
张锐
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Shenzhen Longrise Technology Co Ltd
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Shenzhen Longrise Technology Co Ltd
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Priority to CN201610221772.7A priority Critical patent/CN105847376A/en
Publication of CN105847376A publication Critical patent/CN105847376A/en
Pending legal-status Critical Current

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    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00Network arrangements or protocols for supporting network services or applications
    • H04L67/01Protocols
    • H04L67/12Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks

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  • Engineering & Computer Science (AREA)
  • Health & Medical Sciences (AREA)
  • Computing Systems (AREA)
  • General Health & Medical Sciences (AREA)
  • Medical Informatics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a vehicle insurance assessment system. The system comprises a vehicle owner's mobile terminal, a central server at a scheduling center, and an inspector's mobile terminal. The vehicle owner's mobile terminal is used for sending vehicle insurance assessment requests to a central server at a scheduling center; the central server at the scheduling center is used to receive the vehicle insurance assessment requests, to appoint inspectors for vehicle insurance assessments and to issue an assessment order to an inspector's mobile terminal. The inspector's mobile terminal is used to receive the assessment order from the scheduling center, acquire on-site accident information and upload the on-site accident information, the traffic police's approaches to the accident and the inspector's preliminary insurance claims to the central server at the scheduling center. The central server at the scheduling center is where final insurance claims are made and where the final insurance claims are sent to the vehicle owner's mobile terminal and the inspector's mobile terminal respectively so that the vehicle owner and the inspector can sign up an agreement on the accident claims. The invention also discloses a vehicle insurance assessment method. According to the invention, it is possible to accurately and effectively deal with vehicle insurance claims, avoid errors in insurance claims or fraudulent claims and therefore, enhance the security of vehicle insurance assessment.

Description

Vehicle insurance surveys system and method
Technical field
The present invention relates to communication technical field, particularly relate to vehicle insurance and survey system and method.
Background technology
Existing vehicle insurance surveys the general flow of Claims Resolution process: the first person of surveying receives Claims Resolution control centre Tasking;Then, after the person of surveying reaches the spot, by the handling suggestion according to traffic police, and car is combined The information such as the extent of damage are given surveys Claims Resolution result and signs Claims Resolution contract with car owner, completes vehicle insurance and surveys Claims Resolution.
Existing procedure generally there are following drawback: being primarily due to can only when the person of surveying surveys at the scene Carrying out surveying Claims Resolution by working experience, thus there is bigger Claims Resolution risk, such as amount for which loss settled does not conforms to Manage (such as paying for many), survey Claims Resolution result mistake etc.;Secondly because during surveying, in Claims Resolution scheduling The heart cannot realize the complete monitoring on-the-spot to Claims Resolution, thus may there is associating insurance fraud behavior, thus gives Insurance company brings potential hazard.
Summary of the invention
A kind of vehicle insurance of offer is provided and surveys system and method, it is intended to solve how to keep away Exempt from that Claims Resolution error and the technical problem of associating insurance fraud behavior occur during existing vehicle insurance is surveyed.
For achieving the above object, the present invention provides a kind of vehicle insurance to survey system, and described vehicle insurance surveys system bag Include: car owner's mobile terminal, the person's of surveying mobile terminal and control centre's server;
Described car owner's mobile terminal, for sending vehicle insurance Claims Resolution request to described control centre server, its In, the Claims Resolution request of described vehicle insurance at least includes that car owner geographical position, car protect information and car accident information;
Described control centre server, for receiving the described vehicle insurance reason that described car owner's mobile terminal is sent Pay for request, and according to the Claims Resolution request of described vehicle insurance, determine the person of surveying carrying out vehicle insurance Claims Resolution process;And Send vehicle insurance Claims Resolution to described car owner's mobile terminal and accept information to respond the Claims Resolution request of described vehicle insurance;And Issue to the described person's of surveying mobile terminal and survey job order;
The described person's of surveying mobile terminal, for receive described control centre server issued described in survey Job order;And collection site accident information, and by the described field accident information gathered, the place of traffic police The preliminary Claims Resolution suggestion of reason suggestion and the person of surveying uploads described control centre server, for control centre Reviewing officer carries out reviewing and formed suggestion of finally settling a claim;
Described control centre server is additionally operable to: described final Claims Resolution suggestion is respectively sent to described car owner Mobile terminal and the described person's of surveying mobile terminal, for car owner with the person of surveying according to described final Claims Resolution suggestion Sign accident treatment Claims Resolution single.
Preferably, described car owner's mobile terminal and the described person's of surveying mobile terminal are respectively arranged with camera, And described car owner's mobile terminal, described in the person's of surveying mobile terminal respectively by mobile communications network and described tune Degree central server carries out data interaction.
Preferably, described vehicle insurance Claims Resolution request at least includes short with the transmission form of described field accident information One or more in information, voice, picture, video.
Preferably, described in, the person's of surveying mobile terminal is additionally operable to: report to described control centre server in real time The job information of the person of surveying, wherein, described in the job information of the person of surveying at least include the geographical position of the person of surveying Put and described in survey job order process state;
Described control centre server is additionally operable to: according to the Claims Resolution request of described vehicle insurance, described in the work of the person of surveying Make information and the person's of the surveying personal information prestored, determine the person of surveying carrying out vehicle insurance Claims Resolution process.
Preferably, the Claims Resolution of described vehicle insurance accepts information and at least includes the number of accepting, handling time and the person of surveying Personal information arrive the scene of the accident time with anticipated;
Described survey job order at least include task odd numbers, place an order time and the personal information of car owner, Reason position, car protect information and car accident information;
The Claims Resolution of described accident treatment is single at least include described in the number of accepting and described task odd numbers.
Preferably, described control centre server is additionally operable to:
According to the described number of accepting, check the Claims Resolution of described accident treatment single, so that car owner to be settled a claim;And According to described task odd numbers, the workload of the corresponding person of surveying of statistics, to carry out performance appraisal to the person of surveying.
Further, for achieving the above object, the present invention also provides for a kind of vehicle insurance and surveys method, described car The danger method of surveying includes:
Car owner's mobile terminal sends vehicle insurance Claims Resolution request to control centre's server, and wherein, described vehicle insurance is managed The request of compensation at least includes that car owner geographical position, car protect information and car accident information;
The described vehicle insurance Claims Resolution that the described control centre server described car owner's mobile terminal of reception is sent please Ask, and according to the Claims Resolution request of described vehicle insurance, determine the person of surveying carrying out vehicle insurance Claims Resolution process;To described car Master mobile terminal sends vehicle insurance Claims Resolution and accepts information to respond the Claims Resolution request of described vehicle insurance and to move to the person of surveying Dynamic terminal issues surveys job order;
The described person's of surveying mobile terminal reception described control centre server surveys task described in being issued Single;Collection site accident information, and by gather described field accident information, traffic police handling suggestion with And the preliminary Claims Resolution suggestion of the person of surveying uploads described control centre server, for control centre reviewing officer Carry out reviewing and formed suggestion of finally settling a claim;
Described final Claims Resolution suggestion is respectively sent to described car owner's mobile terminal by described control centre server With the described person's of surveying mobile terminal, for car owner with the person of surveying according to described final Claims Resolution suggestion signing accident Process Claims Resolution single.
Preferably, described car owner's mobile terminal and the described person's of surveying mobile terminal are respectively arranged with camera, And described car owner's mobile terminal, described in the person's of surveying mobile terminal respectively by mobile communications network and described tune Degree central server carries out data interaction.
Preferably, described vehicle insurance Claims Resolution request at least includes short with the transmission form of described field accident information One or more in information, voice, picture, video.
Preferably, the Claims Resolution of described vehicle insurance accepts information and at least includes the number of accepting, handling time and the person of surveying Personal information arrive the scene of the accident time with anticipated;Described survey job order at least include task odd numbers, Place an order time and the personal information of car owner, geographical position, car guarantor's information and car accident information;Institute The number of accepting and described task odd numbers described in stating that accident treatment Claims Resolution is single and at least including;
Described final Claims Resolution suggestion is respectively sent to described car owner's mobile terminal by described control centre server With the described person's of surveying mobile terminal, for car owner with the person of surveying according to described final Claims Resolution suggestion signing accident Include after processing Claims Resolution list:
Described control centre server according to described in the number of accepting, check the Claims Resolution of described accident treatment single, with right Car owner settles a claim;And according to described task odd numbers, the workload of the corresponding person of surveying of statistics, with to looking into The person of surveying carries out performance appraisal.
In the present invention, Claims Resolution control centre can get the accident at scene in time when traffic accident accident occurs Information, the car accident information sent including car owner and the field accident that the person of surveying gathered and uploaded Information, thus realize the supervision to the scene of the accident to prevent the person of surveying from ganging up car owner's associating insurance fraud.Additionally, Claims Resolution control centre also by handling suggestion and the suggestion of tentatively settling a claim of the person of surveying of further comprehensive traffic police, Thus formed and finally settle a claim suggestion, and then make up the person of surveying and lack experience and the erroneous judgement risk brought.
Accompanying drawing explanation
Fig. 1 is the high-level schematic functional block diagram that vehicle insurance of the present invention surveys system one embodiment;
Fig. 2 is the high-level schematic functional block diagram that vehicle insurance of the present invention surveys another embodiment of system;
Fig. 3 is the data cube computation schematic diagram that vehicle insurance of the present invention surveys system one embodiment;
Fig. 4 is the schematic flow sheet that vehicle insurance of the present invention surveys method first embodiment;
Fig. 5 is the schematic flow sheet that vehicle insurance of the present invention surveys method the second embodiment.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, do referring to the drawings further Explanation.
Detailed description of the invention
Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not used to limit The present invention.
It is the high-level schematic functional block diagram that vehicle insurance of the present invention surveys system one embodiment with reference to Fig. 1, Fig. 1.This reality Executing in example, the described vehicle insurance system of surveying includes: car owner's mobile terminal 10, the person's of surveying mobile terminal 20 and tune Degree central server 30.Car owner's mobile terminal 10 described in the present embodiment, the person's of surveying mobile terminal 20 Can be smart mobile phone, IPAD etc., and then vehicle insurance of the present invention can be reduced survey the hardware cost of system, carry Rise applicability and the scope of application of the present invention.
Further alternative, as in figure 2 it is shown, in vehicle insurance of the present invention surveys an embodiment of system, car It is respectively arranged with camera 101 and camera 201 on master mobile terminal 10 and the person's of surveying mobile terminal 20, And car owner's mobile terminal 10, the person's of surveying mobile terminal 20 are taken with control centre by mobile communications network respectively Business device 30 carries out data interaction, as shown in Figure 3.In the present embodiment, car owner's mobile terminal 10 with survey Member's mobile terminal 20 respectively by camera 101, camera 201 shoot scene of the accident situation picture or Video, and then realize the image Real-Time Sharing with control centre's server 30, thus also allow control centre take Business device 30 participates in during vehicle insurance Claims Resolution processes.
Car owner's mobile terminal 10, asks for sending vehicle insurance Claims Resolution to control centre's server 30, wherein, Vehicle insurance Claims Resolution request at least includes that car owner geographical position, car protect information and car accident information;
In the present embodiment, for ease of quick localized accident field position, allow simultaneously control centre (namely protect Danger company) understand the insurance information of vehicle and car accident situation, so that car owner's mobile terminal 10 Send car owner geographical position to control centre's server 30, the information such as information and car accident information protected by car, In the present embodiment, the transmission form for vehicle insurance Claims Resolution request does not limits.
Optionally, the transmission form of vehicle insurance Claims Resolution request at least includes short message, voice, picture, video In one or more.Such as car owner pass through car owner's mobile terminal 10 call scheduling center, and then with scheduling The contact staff of central server 30 end converses, so inform car owner geographical position, car protect information with And car accident information;Or car owner can also pass through car owner's mobile terminal 10 message editor, voice, Picture, video etc. send to control centre's server 30, and then inform above-mentioned relevant information.
Control centre's server 30, for receiving the vehicle insurance Claims Resolution request that car owner's mobile terminal 10 is sent, And according to vehicle insurance Claims Resolution request, determine the person of surveying carrying out vehicle insurance Claims Resolution process;And move end to car owner End 10 transmission vehicle insurance Claims Resolution accepts information with response vehicle insurance Claims Resolution request;And to the person's of surveying mobile terminal 20 Issue and survey job order;
In prior art, the determination mode for the person of surveying does not limits, and sends the most at random, or according to accident Region is sent, or sends etc. according to accident pattern.In the present embodiment, control centre services Device 30 determines the person of surveying carrying out vehicle insurance Claims Resolution process with specific reference to vehicle insurance Claims Resolution request.Such as, accident vehicle It is positioned at a-quadrant, then sends the person of surveying of responsible a-quadrant to process;Or the accident of accident vehicle Type is severe crash, then the person of surveying always sending process experience to be more than 5 years.
Further alternative, the person's of surveying mobile terminal 20 for: in real time to control centre's server 30 The job information of the report person of surveying, wherein, the job information of the person of surveying at least includes the geographical position of the person of surveying And survey job order process state;Control centre's server 30 is additionally operable to: according to vehicle insurance Claims Resolution request, look into The status information of the person of surveying and the person's of the surveying personal information prestored, determine and carry out vehicle insurance Claims Resolution process The person of surveying.In the present embodiment, control centre's server 30 can understand in real time the positional information of the person of surveying with And work state information, and then control centre's server 30 can comprehensively accident vehicle position, deterioration extent And the information such as the position of the person of surveying, working experience, the final reasonable arrangement the most suitably person of surveying processes Vehicle insurance is surveyed, thus promotes car accident treatment effeciency and accuracy.
Additionally, in the present embodiment, for promoting customer service quality, when control centre's server 30 determines Accordingly after the person of surveying, vehicle insurance Claims Resolution will be sent to car owner's mobile terminal 10 and accept information with response vehicle insurance reason Pay for request.Further alternative, vehicle insurance Claims Resolution accept information at least include the number of accepting, handling time and The personal information of the person of surveying arrives the scene of the accident time with anticipated.Such as, vehicle insurance Claims Resolution accepts information and includes The name of the number of accepting, handling time and the person of surveying, sex, phone, the car plate of institute's driving vehicle, pre- Meter arrives the time etc. of the scene of the accident.
Meanwhile, in the present embodiment, control centre's server 30 needs to issue to the person's of surveying mobile terminal 20 Surveying job order, if the person of surveying accepts, then corresponding task of surveying generates.Further alternative, survey Job order at least includes task odd numbers, place an order time and the personal information of car owner, geographical position, Che Bao Information and car accident information.In the present embodiment, the person of surveying after receiving and surveying job order, Know and be familiar with in advance the relevant information of accident car owner and the scene of the accident, thus promote to a certain extent The accident treatment efficiency of the person of surveying.
The person's of surveying mobile terminal 20, surveys job order for receive that control centre's server issued;With And collection site accident information, and by the field accident information of collection, the handling suggestion of traffic police and survey The preliminary Claims Resolution suggestion of member uploads control centre's server 30, reviews for control centre reviewing officer And form suggestion of finally settling a claim;
In the present embodiment, the person of surveying passes through the person's of surveying mobile terminal 20 collection site accident information, and will adopt The preliminary Claims Resolution suggestion of field accident information, the handling suggestion of traffic police and the person of surveying self of collection uploads tune Degree central server 30, forms suggestion of finally settling a claim for control centre reviewing officer after reviewing.Cause This, in the present embodiment, be introduced into control centre reviewing officer and review, namely final Claims Resolution suggestion tool Body is issued rather than the person of surveying by control centre reviewing officer, thus avoids the person of surveying to lack experience or insurance fraud row By the error in the vehicle insurance setting loss that brought and other risks, improve the security that vehicle insurance is surveyed.
Further alternative, in vehicle insurance of the present invention surveys system one embodiment, sending out of field accident information Form is sent at least to include one or more in short message, voice, picture, video.Such as car owner passes through Car owner's mobile terminal 10 call scheduling center, and then enter with the contact staff of control centre's server 30 end Row call, and then inform that car owner geographical position, car protect information and car accident information;Or car owner is also Can be sent to control centre by car owner's mobile terminal 10 message editor, voice, picture, video etc. Server 30, and then inform above-mentioned relevant information.
Control centre's server 30 is additionally operable to: suggestion of finally settling a claim is respectively sent to car owner's mobile terminal with The person's of surveying mobile terminal, signs accident treatment Claims Resolution for car owner and the person of surveying according to final Claims Resolution suggestion single.
In the present embodiment, suggestion of finally settling a claim is respectively sent to car owner and moves end by control centre's server 30 End 10 and the person's of surveying mobile terminal 20, consequently facilitating car owner signs thing with the person of surveying according to final Claims Resolution suggestion Therefore it is single to process Claims Resolution.
Additionally, optional, accident treatment Claims Resolution is single at least includes the number of accepting and task odd numbers.Control centre Server 30 is additionally operable to: according to the number of accepting, verification accident treatment Claims Resolution is single, to settle a claim car owner; And according to task odd numbers, the workload of the corresponding person of surveying of statistics, to carry out performance appraisal to the person of surveying. In the present embodiment, it is associated single for accident treatment Claims Resolution with the number of accepting and task odd numbers, thus prevents from looking into The person of surveying carries out the cheating on file and processes for insurance fraud, is also convenient for car owner's follow-up use accident treatment reason simultaneously Pay for and can carry out verification checking when singly carrying out insurance indemnity, and then the legitimate rights and interests of the both sides that ensure to insure, with Time also allow for the working condition following the trail of the person of surveying so that the person of surveying is carried out performance appraisal.
In the present embodiment, control centre can get the accident letter at scene in time when traffic accident accident occurs Breath, the car accident information sent including car owner and the field accident letter that the person of surveying gathered and uploaded Breath, thus realize the supervision to the scene of the accident to prevent the person of surveying from ganging up car owner's associating insurance fraud.Additionally, reason Pay for control centre also by handling suggestion and the suggestion of tentatively settling a claim of the person of surveying of further comprehensive traffic police, from And formed and finally settle a claim suggestion, and then make up the person of surveying and lack experience and the erroneous judgement risk brought.By this Embodiment can process vehicle insurance Claims Resolution by efficiently and accurately, it is to avoid Claims Resolution error or generation insurance fraud behavior, thus carries Rise the safety and reliability that vehicle insurance is surveyed.
It is the schematic flow sheet that vehicle insurance of the present invention surveys method first embodiment with reference to Fig. 4, Fig. 4.This enforcement In example, the described vehicle insurance method of surveying includes:
Step S10, car owner's mobile terminal sends vehicle insurance Claims Resolution request, wherein, car to control centre's server Danger Claims Resolution request at least includes that car owner geographical position, car protect information and car accident information;
In the present embodiment, for ease of quick localized accident field position, allow simultaneously control centre (namely protect Danger company) understand the insurance information of vehicle and car accident situation, so that car owner's mobile terminal 10 Send car owner geographical position to control centre's server 30, the information such as information and car accident information protected by car, In the present embodiment, the transmission form for vehicle insurance Claims Resolution request does not limits.
Optionally, the transmission form of vehicle insurance Claims Resolution request at least includes short message, voice, picture, video In one or more.Such as car owner pass through car owner's mobile terminal 10 call scheduling center, and then with scheduling The contact staff of central server 30 end converses, so inform car owner geographical position, car protect information with And car accident information;Or car owner can also pass through car owner's mobile terminal 10 message editor, voice, Picture, video etc. send to control centre's server 30, and then inform above-mentioned relevant information.
Step S20, control centre's server receives the vehicle insurance Claims Resolution request that car owner's mobile terminal is sent, and According to vehicle insurance Claims Resolution request, determine the person of surveying carrying out vehicle insurance Claims Resolution process;Send to car owner's mobile terminal Vehicle insurance Claims Resolution accepts information and with response vehicle insurance Claims Resolution request and issues, to the person's of surveying mobile terminal, the task of surveying Single;
In prior art, the determination mode for the person of surveying does not limits, and sends the most at random, or according to accident Region is sent, or sends etc. according to accident pattern.In the present embodiment, control centre services Device 30 determines the person of surveying carrying out vehicle insurance Claims Resolution process with specific reference to vehicle insurance Claims Resolution request.Such as, accident vehicle It is positioned at a-quadrant, then sends the person of surveying of responsible a-quadrant to process;Or the accident of accident vehicle Type is severe crash, then the person of surveying always sending process experience to be more than 5 years.
Further alternative, the person's of surveying mobile terminal 20 reports to control centre's server 30 in real time and surveys The job information of member, wherein, the job information of the person of surveying at least includes the geographical position of the person of surveying and surveys Job order processes state;Control centre's server 30 is according to vehicle insurance Claims Resolution request, the status information of the person of surveying And the person's of the surveying personal information prestored, determine the person of surveying carrying out vehicle insurance Claims Resolution process.This enforcement In example, control centre's server 30 can understand positional information and the work state information of the person of surveying in real time, And then control centre's server 30 can comprehensively accident vehicle position, deterioration extent and the person of surveying position, The information such as working experience, the final reasonable arrangement the most suitably person of surveying processes vehicle insurance and surveys, thus promotes Car accident treatment effeciency and accuracy.
Additionally, in the present embodiment, for promoting customer service quality, when control centre's server 30 determines Accordingly after the person of surveying, vehicle insurance Claims Resolution will be sent to car owner's mobile terminal 10 and accept information with response vehicle insurance reason Pay for request.Further alternative, vehicle insurance Claims Resolution accept information at least include the number of accepting, handling time and The personal information of the person of surveying arrives the scene of the accident time with anticipated.Such as, vehicle insurance Claims Resolution accepts information and includes The name of the number of accepting, handling time and the person of surveying, sex, phone, the car plate of institute's driving vehicle, pre- Meter arrives the time etc. of the scene of the accident.
Meanwhile, in the present embodiment, control centre's server 30 needs to issue to the person's of surveying mobile terminal 20 Surveying job order, if the person of surveying accepts, then corresponding task of surveying generates.Further alternative, survey Job order at least includes task odd numbers, place an order time and the personal information of car owner, geographical position, Che Bao Information and car accident information.In the present embodiment, the person of surveying after receiving and surveying job order, Know and be familiar with in advance the relevant information of accident car owner and the scene of the accident, thus promote to a certain extent The accident treatment efficiency of the person of surveying.
Step S30, what the person's of surveying mobile terminal reception control centre server was issued surveys job order;Adopt Collection field accident information, and by the field accident information of collection, the handling suggestion of traffic police and the person of surveying Preliminary Claims Resolution suggestion uploads control centre's server, reviews for control centre reviewing officer and is formed Finally settle a claim suggestion;
In the present embodiment, the person of surveying passes through the person's of surveying mobile terminal 20 collection site accident information, and will adopt The preliminary Claims Resolution suggestion of field accident information, the handling suggestion of traffic police and the person of surveying self of collection uploads tune Degree central server 30, forms suggestion of finally settling a claim for control centre reviewing officer after reviewing.Cause This, in the present embodiment, be introduced into control centre reviewing officer and review, namely final Claims Resolution suggestion tool Body is issued rather than the person of surveying by control centre reviewing officer, thus avoids the person of surveying to lack experience or insurance fraud row By the error in the vehicle insurance setting loss that brought and other risks, improve the security that vehicle insurance is surveyed.
Further alternative, in vehicle insurance of the present invention surveys system one embodiment, sending out of field accident information Form is sent at least to include one or more in short message, voice, picture, video.Such as car owner passes through Car owner's mobile terminal 10 call scheduling center, and then enter with the contact staff of control centre's server 30 end Row call, and then inform that car owner geographical position, car protect information and car accident information;Or car owner is also Can be sent to control centre by car owner's mobile terminal 10 message editor, voice, picture, video etc. Server 30, and then inform above-mentioned relevant information.
Step S40, suggestion of finally settling a claim is respectively sent to car owner's mobile terminal and looks into by control centre's server The person's of surveying mobile terminal, signs accident treatment Claims Resolution for car owner and the person of surveying according to final Claims Resolution suggestion single.
In the present embodiment, suggestion of finally settling a claim is respectively sent to car owner and moves end by control centre's server 30 End 10 and the person's of surveying mobile terminal 20, consequently facilitating car owner signs thing with the person of surveying according to final Claims Resolution suggestion Therefore it is single to process Claims Resolution.
In the present embodiment, control centre can get the accident letter at scene in time when traffic accident accident occurs Breath, the car accident information sent including car owner and the field accident letter that the person of surveying gathered and uploaded Breath, thus realize the supervision to the scene of the accident to prevent the person of surveying from ganging up car owner's associating insurance fraud.Additionally, reason Pay for control centre also by handling suggestion and the suggestion of tentatively settling a claim of the person of surveying of further comprehensive traffic police, from And formed and finally settle a claim suggestion, and then make up the person of surveying and lack experience and the erroneous judgement risk brought.By this Embodiment can process vehicle insurance Claims Resolution by efficiently and accurately, it is to avoid Claims Resolution error or generation insurance fraud behavior, thus carries Rise the safety and reliability that vehicle insurance is surveyed.
It is the schematic flow sheet that vehicle insurance of the present invention surveys method the second embodiment with reference to Fig. 5, Fig. 5.Based on upper Stating embodiment, the present embodiment, vehicle insurance Claims Resolution accepts information and at least includes the number of accepting, handling time and look into The personal information of the person of surveying arrives the scene of the accident time with anticipated;Survey job order at least include task odd numbers, Place an order time and the personal information of car owner, geographical position, car guarantor's information and car accident information;Thing Therefore process Claims Resolution list and at least include the number of accepting and task odd numbers;
Additionally, include after above-mentioned steps S40:
Step S50, control centre's server is according to the number of accepting, and verification accident treatment Claims Resolution is single, with to car owner Settle a claim;And according to task odd numbers, the workload of the corresponding person of surveying of statistics, to carry out the person of surveying Performance appraisal.
Control centre's server 30 will check accident treatment Claims Resolution single, to carry out car owner according to the number of accepting Claims Resolution;And according to task odd numbers, the workload of the corresponding person of surveying of statistics, to carry out performance to the person of surveying Examination.In the present embodiment, it is associated single for accident treatment Claims Resolution with the number of accepting and task odd numbers, thus The cheating preventing the person of surveying from carrying out on file for insurance fraud processes, and is also convenient for car owner's follow-up use accident simultaneously Process Claims Resolution and can carry out verification checking when singly carrying out insurance indemnity, and then the legal power of the both sides that ensure to insure Benefit, also allows for the working condition following the trail of the person of surveying so that the person of surveying is carried out performance appraisal simultaneously.
These are only the preferred embodiments of the present invention, not thereby limit the scope of the claims of the present invention, every Utilize equivalent structure or equivalence flow process conversion that description of the invention and accompanying drawing content made, or directly or Connect and be used in other relevant technical fields, be the most in like manner included in the scope of patent protection of the present invention.

Claims (10)

1. a vehicle insurance surveys system, it is characterised in that the described vehicle insurance system of surveying includes: car owner moves Terminal, the person's of surveying mobile terminal and control centre's server;
Described car owner's mobile terminal, for sending vehicle insurance Claims Resolution request to described control centre server, its In, the Claims Resolution request of described vehicle insurance at least includes that car owner geographical position, car protect information and car accident information;
Described control centre server, for receiving the described vehicle insurance reason that described car owner's mobile terminal is sent Pay for request, and according to the Claims Resolution request of described vehicle insurance, determine the person of surveying carrying out vehicle insurance Claims Resolution process;And Send vehicle insurance Claims Resolution to described car owner's mobile terminal and accept information to respond the Claims Resolution request of described vehicle insurance;And Issue to the described person's of surveying mobile terminal and survey job order;
The described person's of surveying mobile terminal, for receive described control centre server issued described in survey Job order;And collection site accident information, and by the described field accident information gathered, the place of traffic police The preliminary Claims Resolution suggestion of reason suggestion and the person of surveying uploads described control centre server, for control centre Reviewing officer carries out reviewing and formed suggestion of finally settling a claim;
Described control centre server is additionally operable to: described final Claims Resolution suggestion is respectively sent to described car owner Mobile terminal and the described person's of surveying mobile terminal, for car owner with the person of surveying according to described final Claims Resolution suggestion Sign accident treatment Claims Resolution single.
2. vehicle insurance as claimed in claim 1 surveys system, it is characterised in that described car owner's mobile terminal Be respectively arranged with camera on the described person's of surveying mobile terminal, and described car owner's mobile terminal, described in look into The person's of surveying mobile terminal carries out data interaction by mobile communications network and described control centre server respectively.
3. vehicle insurance as claimed in claim 2 surveys system, it is characterised in that the Claims Resolution request of described vehicle insurance One in short message, voice, picture, video is at least included with the transmission form of described field accident information Plant or multiple.
4. as claimed in claim 2 or claim 3 vehicle insurance surveys system, it is characterised in that described in the person of surveying move Dynamic terminal is additionally operable to: the real-time job information reporting the person of surveying to described control centre server, wherein, The job information of the described person of surveying at least include the person of surveying geographical position and described in survey job order process shape State;
Described control centre server is additionally operable to: according to the Claims Resolution request of described vehicle insurance, described in the work of the person of surveying Make information and the person's of the surveying personal information prestored, determine the person of surveying carrying out vehicle insurance Claims Resolution process.
5. vehicle insurance as claimed in claim 4 surveys system, it is characterised in that the Claims Resolution of described vehicle insurance accepts Information at least includes that the personal information of the number of accepting, handling time and the person of surveying arrives the scene of the accident with anticipated Time;
Described survey job order at least include task odd numbers, place an order time and the personal information of car owner, Reason position, car protect information and car accident information;
The Claims Resolution of described accident treatment is single at least include described in the number of accepting and described task odd numbers.
6. vehicle insurance as claimed in claim 5 surveys system, it is characterised in that described control centre services Device is additionally operable to:
According to the described number of accepting, check the Claims Resolution of described accident treatment single, so that car owner to be settled a claim;And According to described task odd numbers, the workload of the corresponding person of surveying of statistics, to carry out performance appraisal to the person of surveying.
7. a vehicle insurance surveys method, it is characterised in that the described vehicle insurance method of surveying includes:
Car owner's mobile terminal sends vehicle insurance Claims Resolution request to control centre's server, and wherein, described vehicle insurance is managed The request of compensation at least includes that car owner geographical position, car protect information and car accident information;
The described vehicle insurance Claims Resolution that the described control centre server described car owner's mobile terminal of reception is sent please Ask, and according to the Claims Resolution request of described vehicle insurance, determine the person of surveying carrying out vehicle insurance Claims Resolution process;To described car Master mobile terminal sends vehicle insurance Claims Resolution and accepts information to respond the Claims Resolution request of described vehicle insurance and to move to the person of surveying Dynamic terminal issues surveys job order;
The described person's of surveying mobile terminal reception described control centre server surveys task described in being issued Single;Collection site accident information, and by gather described field accident information, traffic police handling suggestion with And the preliminary Claims Resolution suggestion of the person of surveying uploads described control centre server, for control centre reviewing officer Carry out reviewing and formed suggestion of finally settling a claim;
Described final Claims Resolution suggestion is respectively sent to described car owner's mobile terminal by described control centre server With the described person's of surveying mobile terminal, for car owner with the person of surveying according to described final Claims Resolution suggestion signing accident Process Claims Resolution single.
8. vehicle insurance as claimed in claim 7 surveys method, it is characterised in that described car owner's mobile terminal Be respectively arranged with camera on the described person's of surveying mobile terminal, and described car owner's mobile terminal, described in look into The person's of surveying mobile terminal carries out data interaction by mobile communications network and described control centre server respectively.
9. vehicle insurance as claimed in claim 8 surveys method, it is characterised in that the Claims Resolution request of described vehicle insurance One in short message, voice, picture, video is at least included with the transmission form of described field accident information Plant or multiple.
10. vehicle insurance as claimed in claim 9 surveys method, it is characterised in that the Claims Resolution of described vehicle insurance is subject to Reason information at least includes that the personal information of the number of accepting, handling time and the person of surveying is existing with anticipated arrival accident Field time;Described survey job order at least include task odd numbers, place an order time and the personal information of car owner, Geographical position, car protect information and car accident information;Described accident treatment Claims Resolution list at least includes described The number of accepting and described task odd numbers;
Described final Claims Resolution suggestion is respectively sent to described car owner's mobile terminal by described control centre server With the described person's of surveying mobile terminal, for car owner with the person of surveying according to described final Claims Resolution suggestion signing accident Include after processing Claims Resolution list:
Described control centre server according to described in the number of accepting, check the Claims Resolution of described accident treatment single, with right Car owner settles a claim;And according to described task odd numbers, the workload of the corresponding person of surveying of statistics, with to looking into The person of surveying carries out performance appraisal.
CN201610221772.7A 2016-04-11 2016-04-11 Vehicle insurance assessment system and method Pending CN105847376A (en)

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