CN106228448A - Vehicle insurance based on mobile communications network Claims Resolution method and device - Google Patents
Vehicle insurance based on mobile communications network Claims Resolution method and device Download PDFInfo
- Publication number
- CN106228448A CN106228448A CN201610617132.8A CN201610617132A CN106228448A CN 106228448 A CN106228448 A CN 106228448A CN 201610617132 A CN201610617132 A CN 201610617132A CN 106228448 A CN106228448 A CN 106228448A
- Authority
- CN
- China
- Prior art keywords
- information
- accident
- resolution
- scene
- vehicles
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of vehicle insurance based on mobile communications network Claims Resolution method, the method flow process includes: insurance service platform receives the Claims Resolution request that mobile terminal sends, and includes scene of the accident information and the accident fix duty information that mobile terminal gathers in Claims Resolution request；Insurance service platform, after receiving Claims Resolution request, obtains information of vehicles from accident field data, and judges whether there is the user profile of insuring mated with information of vehicles in data base；If there being the user profile of insuring mated with information of vehicles, then Claims Resolution request is processed by insurance service platform according to accident fix duty information and scene of the accident information.The present invention also proposes a kind of vehicle insurance based on mobile communications network Claims Resolution device.The present invention solves in prior art, needs when processing the Claims Resolution problem of vehicle accident the Insurance Actuary of waiting insurance company to reach the spot and could process and cause the technical problem such as traffic congestion, inefficiency.
Description
Technical field
The present invention relates to vehicle insurance Claims Resolution technical field, particularly relate to a kind of vehicle insurance based on mobile communications network Claims Resolution method
And device.
Background technology
Along with the fast development of society, stepping up of living standards of the people, it is daily that automobile consumption the most progressively becomes people
A part for life, increasing private car enters our life.Meanwhile, urban transportation slowly becomes to block up,
Vehicle accident occurs the most again and again, has had a strong impact on our work and life.
Traditional traffic accident treatment flow process is tediously long, comprehends typically for the place of vehicle accident and takes following formula: retains
The scene of the accident, waits that traffic police personnel carry out confirmation of responsibility to scene；The cleaning scene of the accident, recovers the coast is clear；Such operation
Pattern is the most loaded down with trivial details and inefficiency, and therefore the most crowded road becomes more to block.Process traffic thing the most fast and efficiently
Therefore become the important subject of current city transport development.
Summary of the invention
The present invention provides a kind of vehicle insurance based on mobile communications network Claims Resolution method and device, and its main purpose is to solve
In prior art, needing the Insurance Actuary of waiting insurance company to reach the spot when processing the Claims Resolution problem of vehicle accident could process
And cause the technical problem such as traffic congestion, inefficiency.
For achieving the above object, the present invention provides a kind of vehicle insurance based on mobile communications network Claims Resolution method, should be based on shifting
The vehicle insurance Claims Resolution method of dynamic communication network includes:
Insurance service platform receives the Claims Resolution request that mobile terminal sends, and wherein, includes described in described Claims Resolution request
The scene of the accident information of mobile terminal collection and accident fix duty information；
Described insurance service platform, after receiving described Claims Resolution request, obtains vehicle letter from the information of the described scene of the accident
Breath, and judge whether data base has the user profile of insuring mated with described information of vehicles；
If there being the user profile of insuring mated with described information of vehicles, the most described insurance service platform is fixed according to described accident
Described Claims Resolution request is processed by duty information and described scene of the accident information, and accepts described to the transmission of described mobile terminal
The announcement information of Claims Resolution request.
Alternatively, whether the described data base of judgement has the step bag of the user profile of insuring mated with described information of vehicles
Include:
Described insurance service platform obtains identity information from described information of vehicles；
If getting described identity information, then judge whether data base has identity information obtain with from described information of vehicles
The user profile of insuring that the identity information got is identical；
Wherein, when data base has identity information and insuring that the identity information got from described information of vehicles is thought
During user profile, it is determined that described data base has the user profile of insuring mated with described information of vehicles.
Alternatively, described insurance service platform according to described accident fix duty information and described scene of the accident information to described
The step that Claims Resolution request carries out processing includes:
Described insurance service platform obtains scene of the accident image information from the information of the described scene of the accident；
According to described scene of the accident image information, vehicle insurance accident is carried out Claims Resolution process, and generate processing result information.
Alternatively, described according to described scene of the accident image information, vehicle insurance accident is carried out Claims Resolution process, and generate process
The step of object information includes:
Described scene of the accident image information is analyzed, and determines the damaged condition of accident vehicle；
According to the damaged condition of described vehicle, Claims Resolution information is adjusted, generate according to the accounting result of Claims Resolution information
Described processing result information.
Alternatively, having, if described, the user that insures mated with described information of vehicles, the most described insurance service platform is according to institute
After stating the step that described Claims Resolution request is processed by accident fix duty information and described scene of the accident information, described based on shifting
The vehicle insurance Claims Resolution method of dynamic communication network further comprises the steps of:
The processing result information of described Claims Resolution request will be sent to described mobile terminal by described insurance service platform.
Additionally, for achieving the above object, the present invention also provides for a kind of vehicle insurance based on mobile communications network Claims Resolution device, should
Vehicle insurance based on mobile communications network Claims Resolution device includes:
Receiver module, for receiving the Claims Resolution request that mobile terminal sends, wherein, includes described in described Claims Resolution request
The scene of the accident information of mobile terminal collection and accident fix duty information；
Acquisition module, for, after receiving described Claims Resolution request, obtaining information of vehicles from the information of the described scene of the accident；
Judge module, for judging whether there is the user profile of insuring mated with described information of vehicles in data base；
Processing module, if for having the user profile of insuring mated with described information of vehicles, then according to described accident fix duty
Described Claims Resolution request is processed by information and described scene of the accident information, and accepts described reason to the transmission of described mobile terminal
Pay for the announcement information of request.
Alternatively, described acquisition module is additionally operable to: obtain identity information from described information of vehicles；
Described judge module is additionally operable to: if getting described identity information, then judge whether have identity information in data base
The insure user profile identical with the identity information got from described information of vehicles；
And, when data base has identity information and insuring that the identity information got from described information of vehicles is thought
During user profile, it is determined that described data base has the user profile of insuring mated with described information of vehicles.
Alternatively, described processing module is additionally operable to: obtain scene of the accident image information from the information of the described scene of the accident；
And, according to described scene of the accident image information, vehicle insurance accident carried out Claims Resolution process, and generate result letter
Breath.
Alternatively, described processing module also includes:
Setting loss unit, for being analyzed described scene of the accident image information, and determines the damaged condition of accident vehicle；
Accounting unit, for the damaged condition according to described vehicle, adjusts Claims Resolution information, according to Claims Resolution information
Adjust result and generate described processing result information.
Alternatively, described vehicle insurance based on mobile communications network Claims Resolution device also includes:
Sending module, for sending to described mobile terminal the processing result information of described Claims Resolution request.
Vehicle insurance based on the mobile communications network Claims Resolution method and device that the present invention proposes, insurance service platform receives mobile
The Claims Resolution request that terminal sends, includes scene of the accident information and accident fix duty letter that mobile terminal gathers in this Claims Resolution request
Breath, according to obtaining information of vehicles in the information of the scene of the accident, insurance service platform judges whether have in data base and this information of vehicles
The user profile of insuring of coupling, if any the user profile of insuring of coupling, then according to the accident fix duty information received and accident
Claims Resolution request is processed by field data, sends the announcement information accepting this Claims Resolution request, this base to mobile terminal simultaneously
The mode that car accident is settled a claim by the mobile communication network between mobile terminal and insurance service platform, it is not necessary to insurance
The claims personnel of company processes to scene, can realize long-range insurance and process, and for the user of accident vehicle,
Without waiting at the scene, it is only necessary to gather scene of the accident information by mobile terminal and reach accident fix duty information in time, this
Sample not only efficiency is high, and does not results in traffic congestion, solves in prior art when processing the Claims Resolution problem of vehicle accident
The Insurance Actuary needing waiting insurance company reaches the spot and could process and cause the technical problem such as traffic congestion, inefficiency.
Accompanying drawing explanation
Fig. 1 is the flow chart of present invention vehicle insurance based on mobile communications network Claims Resolution method first embodiment；
Fig. 2 is the refinement stream of step S30 in present invention vehicle insurance based on mobile communications network Claims Resolution method the second embodiment
Journey schematic diagram；
Fig. 3 is the high-level schematic functional block diagram of present invention vehicle insurance based on mobile communications network Claims Resolution device first embodiment；
Fig. 4 be present invention vehicle insurance based on mobile communications network Claims Resolution device the second embodiment in processing module refinement
High-level schematic functional block diagram.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further referring to the drawings.
Detailed description of the invention
Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
The present invention provides a kind of vehicle insurance based on mobile communications network Claims Resolution method.With reference to shown in Fig. 1, for the present invention based on
The flow chart of the vehicle insurance Claims Resolution method first embodiment of mobile communications network.
In the present embodiment, should vehicle insurance based on mobile communications network Claims Resolution method include:
Step S10, insurance service platform receives the Claims Resolution request that mobile terminal sends, wherein, wraps in described Claims Resolution request
The scene of the accident information gathered containing described mobile terminal and accident fix duty information；
Can be provided an insurance service platform by insurance company, this service platform can be disposed on the server, carry simultaneously
For the Claims Resolution application of a vehicle insurance, the Claims Resolution application of this vehicle insurance can run on the mobile terminals such as the mobile phone of user, panel computer, below
Illustrate as a example by mobile phone.
User gathers scene of the accident information and accident fix duty information, wherein, this scene of the accident information by mobile terminal
Traffic injury time, place where the accident occurred point, accident vehicle information, accident pattern etc., wherein accident vehicle information bag can be included
Include accident vehicle picture, accident vehicle essential information etc..This traffic injury time is local zone time during accident generation or network
Time, this traffic injury time can collect by the way of acquisition automatically.This place where the accident occurred point can be the most defeated by user
Enter, it is also possible to carry out location by the locating module of mobile phone and obtain.
Accident vehicle essential information includes type of vehicle, the number-plate number, vehicle identification code (VIN code), Motor Number, insures
Company, driver's name, the phone number of driver, the driver license number etc. of driver, accident vehicle picture is in the scene of the accident
Accident vehicle is carried out the picture that shooting obtains.Accident pattern includes: knock into the back, drive in the wrong direction, move backward, slip car, close door, violation hand over
Messenger, not giving way etc. by regulation, these accident patterns can preset, to facilitate follow-up selection.
Accident fix duty information can be the accident responsibility protocol reached an agreement by each driver of accident vehicle information, or
Person is the accident responsibility protocol judged by traffic police.Wherein, responsibility type includes: all responsibility, nothing duty and same duty.So that accident to have three
Illustrating as a example by car, if having a car when confirmation of responsibility is all responsibility, then other two cars are regarded as automatically without duty；If having
One car is regarded as without duty, then other two cars are respectively all responsibility and without duty, or is all with duty；Same when there being a car to regard as
During duty, the responsibility type of other two accident vehicles is respectively with duty or without duty, or is all with duty.When driving of each accident vehicle
When the person of sailing can reach an agreement for fix duty, the information responsible first can closed by vehicle insurance Claims Resolution application input, and generate accident
Fix duty information, or when reaching an agreement, traffic police be accident fix duty, and according to the fix duty result of traffic police, generation accident
Fix duty information.
After getting above-mentioned scene of the accident information and accident fix duty information, generate Claims Resolution request based on these information,
And send it to insurance service platform, process according to the Claims Resolution request received for insurance service platform.
Step S20, described insurance service platform, after receiving described Claims Resolution request, obtains from the information of the described scene of the accident
Take information of vehicles, and judge whether data base has the user profile of insuring mated with described information of vehicles；
After insurance service platform receives described Claims Resolution request, judge this vehicle according to the information of vehicles got from which
Whether information has insured in this insurance company.Insurance service platform is provided with data base, in this data base storage have described
The information of the user that this insurance company insures, say, that if this vehicle has been insured in this insurance company, then according to vehicle
Information, the such as number-plate number, company of insuring, driver's name, the phone number of driver or the driver license number etc. of driver
Can be so that data base to match the user profile of insuring of correspondence etc. information.When judging that this vehicle has been insured, just it can be managed
Compensation request processes.
Specifically, as a kind of embodiment, about judging whether data base has the use of insuring mated with information of vehicles
The mode of family information, with reference to following steps:
Described insurance service platform obtains identity information from described information of vehicles；
If getting described identity information, then judge whether data base has identity information obtain with from described information of vehicles
The user profile of insuring that the identity information got is identical；Wherein, when data base having identity information and from described information of vehicles
During user profile that what the identity information got was thought insure, it is determined that described data base has the throwing mated with described information of vehicles
Protect user profile.
Wherein, identity information can be the phone number that uses when insuring of user or other be able to demonstrate that it oneself is to throw
The information of guarantor, such as, driver's name, the phone number of driver or the driver license number etc. of driver.From the scene of the accident
After information gets accident vehicle essential information, from accident vehicle essential information, obtain identity information, and by traversal number
Judge whether data base has the user profile of insuring mated with this identity information according to the mode in storehouse or search data base.
Step S30, if there being the user profile of insuring mated with described information of vehicles, the most described insurance service platform is according to institute
State accident fix duty information and described Claims Resolution request is processed by described scene of the accident information, and send to described mobile terminal
Accept the announcement information of described Claims Resolution request.
If there being the user profile of insuring of coupling, then its Claims Resolution request is processed, and accept reason to mobile terminal transmission
Pay for the announcement information of request.
When carrying out Claims Resolution and processing, using accident fix duty information and scene of the accident information as foundation, such as, only at root
When judging the artificial insurer of accident responsibility according to accident fix duty information, it is processed.Further, obtain from accident field data
Scene of the accident image information, is analyzed it, so that accident vehicle to carry out setting loss, then according to setting loss result to Claims Resolution information
Carry out adjusting and generating processing result information.
Further, after step S30, should vehicle insurance based on mobile communications network Claims Resolution method also include: described guarantor
The processing result information of described Claims Resolution request will be sent to described mobile terminal by danger service platform.In the success of insurance service platform
When accepting this Claims Resolution request, send the announcement information accepting described Claims Resolution request to mobile terminal, to inform its transmission of user
Claims Resolution request the most successfully accepts, and processes, its request after getting processing result information, by processing result information
It is sent to mobile terminal.
It is understood that when insurance service platform is searched less than the user that insures mated with information of vehicles in data base
During information, the notification message accepting failure can be sent to mobile terminal, and inform that this user of described mobile terminal is not this guarantor
The user that insures of danger company, it is impossible to carry out accepting of vehicle Claims Resolution.
Vehicle insurance based on the mobile communications network Claims Resolution method that the present embodiment proposes, insurance service platform receives mobile terminal
The Claims Resolution request sent, includes scene of the accident information and the accident fix duty information that mobile terminal gathers in this Claims Resolution request,
According to obtaining information of vehicles in the information of the scene of the accident, whether insurance service platform judges to have in data base to mate with this information of vehicles
User profile of insuring, if any the user profile of insuring of coupling, then according to the accident fix duty information that receives and the scene of the accident
Claims Resolution request is processed by information, sends the announcement information accepting this Claims Resolution request to mobile terminal simultaneously, this based on shifting
The mode that car accident is settled a claim by dynamic mobile communication network between terminal and insurance service platform, it is not necessary to insurance company
Claims personnel process to scene, long-range insurance can be realized and process, and for the user of accident vehicle, it is not necessary to
Wait at the scene, it is only necessary to gather scene of the accident information by mobile terminal and reach accident fix duty information in time, the most not
Only efficiency is high, and does not results in traffic congestion, solves in prior art the needs when processing the Claims Resolution problem of vehicle accident
The Insurance Actuary of waiting insurance company reaches the spot and could process and cause the technical problem such as traffic congestion, inefficiency.
Second embodiment of present invention vehicle insurance based on mobile communications network Claims Resolution method is proposed based on first embodiment.Ginseng
According to shown in Fig. 2, in the present embodiment, step S30 includes following refinement step:
Step S31, described insurance service platform obtains scene of the accident image information from the information of the described scene of the accident；
Step S32, carries out Claims Resolution process according to described scene of the accident image information, and generates process fruit letter vehicle insurance accident
Breath.
Insurance service platform is by carrying out image recognition, at the present embodiment to the scene of the accident image in the information of the scene of the accident
In, scene of the accident image can include that the image letter of setting loss parts treated by scene of the accident image information or video information and vehicle
Breath.The extent of damage of accident vehicle is identified, and then determines how Claims Resolution.Specifically, described scene of the accident image is believed
Breath is analyzed, and determines the damaged condition of accident vehicle；According to the damaged condition of described vehicle, Claims Resolution information is carried out core
Calculate, generate described processing result information according to the accounting result of Claims Resolution information.In advance setting loss can be set at insurance service platform
Reference standard, when being analyzed scene of the accident image, carries out setting loss according to this reference standard.
The present invention also proposes a kind of vehicle insurance based on mobile communications network Claims Resolution device.
With reference to shown in Fig. 3, for the function mould of present invention vehicle insurance based on mobile communications network Claims Resolution device first embodiment
Block schematic diagram.
In this embodiment, should include by vehicle insurance based on mobile communications network Claims Resolution device:
Receiver module 10, for receiving the Claims Resolution request that mobile terminal sends, wherein, comprises in described Claims Resolution request
State scene of the accident information and accident fix duty information that mobile terminal gathers；
Can be provided an insurance service platform by insurance company, this service platform can be disposed on the server, carry simultaneously
For the Claims Resolution application of a vehicle insurance, the Claims Resolution application of this vehicle insurance can run on the mobile terminals such as the mobile phone of user, panel computer, below
Illustrate as a example by mobile phone.
User gathers scene of the accident information and accident fix duty information, wherein, this scene of the accident information by mobile terminal
Traffic injury time, place where the accident occurred point, accident vehicle information, accident pattern etc., wherein accident vehicle information bag can be included
Include accident vehicle picture, accident vehicle essential information etc..This traffic injury time is local zone time during accident generation or network
Time, this traffic injury time can collect by the way of acquisition automatically.This place where the accident occurred point can be the most defeated by user
Enter, it is also possible to carry out location by the locating module of mobile phone and obtain.
Accident vehicle essential information includes type of vehicle, the number-plate number, vehicle identification code (VIN code), Motor Number, insures
Company, driver's name, the phone number of driver, the driver license number etc. of driver, accident vehicle picture is in the scene of the accident
Accident vehicle is carried out the picture that shooting obtains.Accident pattern includes: knock into the back, drive in the wrong direction, move backward, slip car, close door, violation hand over
Messenger, not giving way etc. by regulation, these accident patterns can preset, to facilitate follow-up selection.
Accident fix duty information can be the accident responsibility protocol reached an agreement by each driver of accident vehicle information, or
Person is the accident responsibility protocol judged by traffic police.Wherein, responsibility type includes: all responsibility, nothing duty and same duty.So that accident to have three
Illustrating as a example by car, if having a car when confirmation of responsibility is all responsibility, then other two cars are regarded as automatically without duty；If having
One car is regarded as without duty, then other two cars are respectively all responsibility and without duty, or is all with duty；Same when there being a car to regard as
During duty, the responsibility type of other two accident vehicles is respectively with duty or without duty, or is all with duty.When driving of each accident vehicle
When the person of sailing can reach an agreement for fix duty, the information responsible first can closed by vehicle insurance Claims Resolution application input, and generate accident
Fix duty information, or when reaching an agreement, traffic police be accident fix duty, and according to the fix duty result of traffic police, generation accident
Fix duty information.
After getting above-mentioned scene of the accident information and accident fix duty information, generate Claims Resolution request based on these information,
And send it to insurance service platform, process according to the Claims Resolution request received for insurance service platform.
Acquisition module 20, for, after receiving described Claims Resolution request, obtaining vehicle letter from the information of the described scene of the accident
Breath；
Judge module 30, for judging whether there is the user profile of insuring mated with described information of vehicles in data base；
After insurance service platform receives described Claims Resolution request, it is judged that module 30 is according to the information of vehicles got from which
Judge whether this information of vehicles has insured in this insurance company.Insurance service platform is provided with data base, deposits in this data base
Contain the information of the described user insured in this insurance company, say, that if this vehicle has been insured in this insurance company,
Then according to information of vehicles, the such as number-plate number, company of insuring, driver's name, the phone number of driver or driver's
Driver license number etc. information can be to match the user profile of insuring of correspondence in data base.When judging that this vehicle has been insured,
Just its Claims Resolution request can be processed.
Specifically, as a kind of embodiment, acquisition module 20 is additionally operable to: obtain identity letter from described information of vehicles
Breath；
Judge module 30 is additionally operable to: if getting described identity information, then judge whether data base has identity information with
The user profile of insuring that the identity information that gets from described information of vehicles is identical；And, when data base has identity information
With the identity information got from described information of vehicles think insure user profile time, it is determined that described data base has and institute
State the user profile of insuring of information of vehicles coupling.
Wherein, identity information can be the phone number that uses when insuring of user or other be able to demonstrate that it oneself is to throw
The information of guarantor, such as, driver's name, the phone number of driver or the driver license number etc. of driver.Acquisition module 20
After getting accident vehicle essential information from accident field data, from accident vehicle essential information, obtain identity information, sentence
Whether disconnected module 30 judges to have in data base to mate with this identity information by the way of ergodic data storehouse or search data base
User profile of insuring.
Processing module 40, if for there being the user profile of insuring mated with described information of vehicles, then fixed according to described accident
Described Claims Resolution request is processed by duty information and described scene of the accident information, and accepts described to the transmission of described mobile terminal
The announcement information of Claims Resolution request.
If there being the user profile of insuring of coupling, then its Claims Resolution request is processed by processing module 40, and to mobile terminal
Send the announcement information accepting Claims Resolution request.
Processing module 40 is when carrying out Claims Resolution and processing, using accident fix duty information and scene of the accident information as foundation, example
As, only when judging the artificial insurer of accident responsibility according to accident fix duty information, it is processed.Further, processing module
40 obtain scene of the accident image information from accident field data, are analyzed it, accident vehicle is carried out setting loss, then
According to setting loss result Claims Resolution information adjusted and generate processing result information.
Further, vehicle insurance based on mobile communications network Claims Resolution device also includes:
Sending module, for sending to described mobile terminal the processing result information of described Claims Resolution request.
When insurance service platform successfully accepts this Claims Resolution request, send to mobile terminal and accept the logical of described Claims Resolution request
Know information, to inform that its Claims Resolution request sent of user the most successfully accepts, and its request is processed, getting process
After object information, processing result information is sent to mobile terminal by sending module.
It is understood that when insurance service platform is searched less than the user that insures mated with information of vehicles in data base
During information, the notification message accepting failure can be sent to mobile terminal, and inform that this user of described mobile terminal is not this guarantor
The user that insures of danger company, it is impossible to carry out accepting of vehicle Claims Resolution.
Vehicle insurance based on the mobile communications network Claims Resolution device that the present embodiment proposes, insurance service platform receives mobile terminal
The Claims Resolution request sent, includes scene of the accident information and the accident fix duty information that mobile terminal gathers in this Claims Resolution request,
According to obtaining information of vehicles in the information of the scene of the accident, whether insurance service platform judges to have in data base to mate with this information of vehicles
User profile of insuring, if any the user profile of insuring of coupling, then according to the accident fix duty information that receives and the scene of the accident
Claims Resolution request is processed by information, sends the announcement information accepting this Claims Resolution request to mobile terminal simultaneously, this based on shifting
The mode that car accident is settled a claim by dynamic mobile communication network between terminal and insurance service platform, it is not necessary to insurance company
Claims personnel process to scene, long-range insurance can be realized and process, and for the user of accident vehicle, it is not necessary to
Wait at the scene, it is only necessary to gather scene of the accident information by mobile terminal and reach accident fix duty information in time, the most not
Only efficiency is high, and does not results in traffic congestion, solves in prior art the needs when processing the Claims Resolution problem of vehicle accident
The Insurance Actuary of waiting insurance company reaches the spot and could process and cause the technical problem such as traffic congestion, inefficiency.
Second embodiment of present invention vehicle insurance based on mobile communications network Claims Resolution device is proposed based on first embodiment.?
In the present embodiment, processing module 40 is additionally operable to: obtain scene of the accident image information from the information of the described scene of the accident；And, root
According to described scene of the accident image information, vehicle insurance accident is carried out Claims Resolution process, and generate processing result information.
With reference to shown in Fig. 4, processing module 40 includes:
Setting loss unit 41, for being analyzed described scene of the accident image information, and determines the damage journey of accident vehicle
Degree；
Accounting unit 42, for the damaged condition according to described vehicle, adjusts Claims Resolution information, according to Claims Resolution information
Accounting result generate described processing result information.
Insurance service platform is by carrying out image recognition, at the present embodiment to the scene of the accident image in the information of the scene of the accident
In, scene of the accident image can include that the image letter of setting loss parts treated by scene of the accident image information or video information and vehicle
Breath.The extent of damage of accident vehicle is identified by setting loss unit 41, and then determines how Claims Resolution.Specifically, setting loss unit 41
Described scene of the accident image information is analyzed, and determines the damaged condition of accident vehicle；Accounting unit 42 is according to described car
Damaged condition, Claims Resolution information is adjusted, according to Claims Resolution information accounting result generate described processing result information.Can
To arrange setting loss reference standard at insurance service platform in advance, when scene of the accident image is analyzed, mark according to this reference
Standard carries out setting loss.
These are only the preferred embodiments of the present invention, not thereby limit the scope of the claims of the present invention, every utilize this
Equivalent structure or equivalence flow process that bright description and accompanying drawing content are made convert, or are directly or indirectly used in other relevant skills
Art field, is the most in like manner included in the scope of patent protection of the present invention.
Claims (10)
1. vehicle insurance based on a mobile communications network Claims Resolution method, it is characterised in that described car based on mobile communications network
Danger Claims Resolution method includes:
Insurance service platform receives the Claims Resolution request that mobile terminal sends, and wherein, includes described movement in described Claims Resolution request
The scene of the accident information of terminal collection and accident fix duty information；
Described insurance service platform, after receiving described Claims Resolution request, obtains information of vehicles from the information of the described scene of the accident,
And judge whether data base has the user profile of insuring mated with described information of vehicles；
If there being the user profile of insuring mated with described information of vehicles, the most described insurance service platform is believed according to described accident fix duty
Described Claims Resolution request is processed by breath and described scene of the accident information, and accepts described Claims Resolution to the transmission of described mobile terminal
The announcement information of request.
Vehicle insurance based on mobile communications network the most according to claim 1 Claims Resolution method, it is characterised in that described judgement number
Include according to the step whether having the user profile of insuring mated with described information of vehicles in storehouse:
Described insurance service platform obtains identity information from described information of vehicles；
If getting described identity information, then judge whether data base has identity information get with from described information of vehicles
The identical user profile of insuring of identity information；
Wherein, as the user that insures that the identity information having identity information in data base with get from described information of vehicles is thought
During information, it is determined that described data base has the user profile of insuring mated with described information of vehicles.
Vehicle insurance based on mobile communications network the most according to claim 1 Claims Resolution method, it is characterised in that described insurance takes
The step bag that described Claims Resolution request is processed by business platform according to described accident fix duty information and described scene of the accident information
Include:
Described insurance service platform obtains scene of the accident image information from the information of the described scene of the accident；
According to described scene of the accident image information, vehicle insurance accident is carried out Claims Resolution process, and generate processing result information.
Vehicle insurance based on mobile communications network the most according to claim 3 Claims Resolution method, it is characterised in that described according to institute
State scene of the accident image information and vehicle insurance accident carried out Claims Resolution process, and the step generating processing result information includes:
Described scene of the accident image information is analyzed, and determines the damaged condition of accident vehicle；
According to the damaged condition of described vehicle, Claims Resolution information is adjusted, generate described according to the accounting result of Claims Resolution information
Processing result information.
5. according to vehicle insurance based on the mobile communications network Claims Resolution method described in any one of claim 1-4, it is characterised in that institute
If stating the user that insures mated with described information of vehicles, the most described insurance service platform according to described accident fix duty information and
After the step that described Claims Resolution request is processed by described scene of the accident information, described vehicle insurance based on mobile communications network is managed
Compensation method further comprises the steps of:
The processing result information of described Claims Resolution request will be sent to described mobile terminal by described insurance service platform.
6. vehicle insurance based on a mobile communications network Claims Resolution device, it is characterised in that described car based on mobile communications network
Danger Claims Resolution device includes:
Receiver module, for receiving the Claims Resolution request that mobile terminal sends, wherein, includes described movement in described Claims Resolution request
The scene of the accident information of terminal collection and accident fix duty information；
Acquisition module, for, after receiving described Claims Resolution request, obtaining information of vehicles from the information of the described scene of the accident；
Judge module, for judging whether there is the user profile of insuring mated with described information of vehicles in data base；
Processing module, if for having the user profile of insuring mated with described information of vehicles, then according to described accident fix duty information
And described Claims Resolution request is processed by described scene of the accident information, and to described mobile terminal send accept described Claims Resolution please
The announcement information asked.
Vehicle insurance based on mobile communications network the most according to claim 6 Claims Resolution device, it is characterised in that described acquisition mould
Block is additionally operable to: obtain identity information from described information of vehicles；
Described judge module is additionally operable to: if getting described identity information, then judge whether data base has identity information with from
The user profile of insuring that the identity information that gets in described information of vehicles is identical；
And, as the user that insures that the identity information having identity information in data base with get from described information of vehicles is thought
During information, it is determined that described data base has the user profile of insuring mated with described information of vehicles.
Vehicle insurance based on mobile communications network the most according to claim 6 Claims Resolution device, it is characterised in that described process mould
Block is additionally operable to: obtain scene of the accident image information from the information of the described scene of the accident；
And, according to described scene of the accident image information, vehicle insurance accident is carried out Claims Resolution process, and generate processing result information.
Vehicle insurance based on mobile communications network the most according to claim 8 Claims Resolution device, it is characterised in that described process mould
Block also includes:
Setting loss unit, for being analyzed described scene of the accident image information, and determines the damaged condition of accident vehicle；
Accounting unit, for the damaged condition according to described vehicle, adjusts Claims Resolution information, according to the accounting of Claims Resolution information
Result generates described processing result information.
10. according to vehicle insurance based on the mobile communications network Claims Resolution device described in any one of claim 6-9, it is characterised in that
Described vehicle insurance based on mobile communications network Claims Resolution device also includes:
Sending module, for sending to described mobile terminal the processing result information of described Claims Resolution request.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610617132.8A CN106228448A (en) | 2016-07-29 | 2016-07-29 | Vehicle insurance based on mobile communications network Claims Resolution method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610617132.8A CN106228448A (en) | 2016-07-29 | 2016-07-29 | Vehicle insurance based on mobile communications network Claims Resolution method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106228448A true CN106228448A (en) | 2016-12-14 |
Family
ID=57534983
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610617132.8A Pending CN106228448A (en) | 2016-07-29 | 2016-07-29 | Vehicle insurance based on mobile communications network Claims Resolution method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106228448A (en) |
Cited By (28)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106447501A (en) * | 2016-12-19 | 2017-02-22 | 东软集团股份有限公司 | Traffic accident compensation method and device |
| CN106627440A (en) * | 2016-12-22 | 2017-05-10 | 安徽保腾网络科技有限公司 | Simple vehicle insurance system |
| CN106651590A (en) * | 2016-12-22 | 2017-05-10 | 安徽保腾网络科技有限公司 | Loss assessment system for insuring vehicle |
| CN106657740A (en) * | 2016-12-22 | 2017-05-10 | 安徽保腾网络科技有限公司 | Vehicle insurance claim settlement system |
| CN107093146A (en) * | 2017-04-11 | 2017-08-25 | 武汉华创欣网科技有限公司 | Compensation method is examined in a kind of online settlement of insurance claim |
| CN107369096A (en) * | 2017-06-23 | 2017-11-21 | 深圳市盛路物联通讯技术有限公司 | A kind of traffic accident transaction system and method based on Internet of Things |
| 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 |
| CN108255902A (en) * | 2017-04-11 | 2018-07-06 | 平安科技（深圳）有限公司 | Insurance risk Claims Resolution processing method, apparatus and Claims Resolution server |
| CN108280769A (en) * | 2018-02-01 | 2018-07-13 | 阿里巴巴集团控股有限公司 | The data processing method of Claims Resolution business, device, electronic equipment, server |
| CN108335237A (en) * | 2017-06-22 | 2018-07-27 | 平安科技（深圳）有限公司 | It puts on record method, terminal and computer readable storage medium |
| CN108446884A (en) * | 2017-02-16 | 2018-08-24 | 平安科技（深圳）有限公司 | Vehicle insurance surveys method and device |
| CN108460683A (en) * | 2017-02-20 | 2018-08-28 | 平安科技（深圳）有限公司 | Submit an expense account self-service application method and device |
| CN108600390A (en) * | 2018-05-15 | 2018-09-28 | 北京首汽智行科技有限公司 | A kind of shared car damage identification and Claims Resolution method and device based on region chain |
| CN109191313A (en) * | 2018-08-13 | 2019-01-11 | 湖南瑞盛航信息科技有限公司 | A kind of generate in parking lot scratches and the Claims Resolution management system and its method of cosmetic damage |
| CN109214781A (en) * | 2018-09-12 | 2019-01-15 | 医倍思特（北京）医疗信息技术有限公司 | A kind of people hurts the check method of Claims Resolution setting loss expense |
| CN109345395A (en) * | 2018-09-12 | 2019-02-15 | 医倍思特（北京）医疗信息技术有限公司 | A kind of anti-fake system and method for settlement of insurance claim |
| CN109447039A (en) * | 2018-12-04 | 2019-03-08 | 闽江学院 | The control method of parking lot scratch danger system |
| CN109697672A (en) * | 2018-12-13 | 2019-04-30 | 平安医疗健康管理股份有限公司 | A kind of health insurance core damage data processing method, server and computer-readable medium |
| CN109697671A (en) * | 2018-12-13 | 2019-04-30 | 平安医疗健康管理股份有限公司 | A kind of vehicle insurance core damage data processing method, server and computer-readable medium |
| CN109712006A (en) * | 2018-12-13 | 2019-05-03 | 平安医疗健康管理股份有限公司 | A kind of vehicle insurance core duty data processing method, server and computer-readable medium |
| CN109712002A (en) * | 2018-12-04 | 2019-05-03 | 闽江学院 | The control method of parking lot scratch danger system |
| CN109741602A (en) * | 2019-01-11 | 2019-05-10 | 福建工程学院 | A kind of method and system of fender-bender auxiliary fix duty |
| CN109785158A (en) * | 2018-12-13 | 2019-05-21 | 平安医疗健康管理股份有限公司 | A kind of health insurance core duty data processing method, server and computer-readable medium |
| CN109886816A (en) * | 2018-12-04 | 2019-06-14 | 平潭海创智汇科技有限公司 | The control method of carwash scratch danger system |
| CN109886815A (en) * | 2018-12-04 | 2019-06-14 | 平潭海创智汇科技有限公司 | The control method of carwash scratch danger system |
| CN110335464A (en) * | 2019-06-17 | 2019-10-15 | 深圳壹账通智能科技有限公司 | Processing method, device, terminal and the storage medium of traffic accident data |
| CN110782356A (en) * | 2018-12-14 | 2020-02-11 | 中国人民财产保险股份有限公司 | Vehicle insurance claim settlement method and vehicle insurance claim settlement service system |
| CN110826550A (en) * | 2019-11-04 | 2020-02-21 | 泰康保险集团股份有限公司 | Target vehicle information verification method, device, equipment and storage medium |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101242379A (en) * | 2008-03-18 | 2008-08-13 | 北京中车检信息技术有限公司 | Car damage identification method based on mobile communication terminal or network terminal |
| CN101546416A (en) * | 2009-04-27 | 2009-09-30 | 谢谦 | Method for remotely treating automobile insurance service and system thereof |
| CN105005932A (en) * | 2015-08-20 | 2015-10-28 | 南京安通杰科技实业有限公司 | Traffic accident responsibility identification and claim settlement method |
| CN105355034A (en) * | 2015-10-28 | 2016-02-24 | 重庆邮电大学 | Traffic accident scene evidence collection and security system and method thereof |
-
2016
- 2016-07-29 CN CN201610617132.8A patent/CN106228448A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101242379A (en) * | 2008-03-18 | 2008-08-13 | 北京中车检信息技术有限公司 | Car damage identification method based on mobile communication terminal or network terminal |
| CN101546416A (en) * | 2009-04-27 | 2009-09-30 | 谢谦 | Method for remotely treating automobile insurance service and system thereof |
| CN105005932A (en) * | 2015-08-20 | 2015-10-28 | 南京安通杰科技实业有限公司 | Traffic accident responsibility identification and claim settlement method |
| CN105355034A (en) * | 2015-10-28 | 2016-02-24 | 重庆邮电大学 | Traffic accident scene evidence collection and security system and method thereof |
Cited By (34)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106447501A (en) * | 2016-12-19 | 2017-02-22 | 东软集团股份有限公司 | Traffic accident compensation method and device |
| CN106627440A (en) * | 2016-12-22 | 2017-05-10 | 安徽保腾网络科技有限公司 | Simple vehicle insurance system |
| CN106651590A (en) * | 2016-12-22 | 2017-05-10 | 安徽保腾网络科技有限公司 | Loss assessment system for insuring vehicle |
| CN106657740A (en) * | 2016-12-22 | 2017-05-10 | 安徽保腾网络科技有限公司 | Vehicle insurance claim settlement system |
| CN108446884A (en) * | 2017-02-16 | 2018-08-24 | 平安科技（深圳）有限公司 | Vehicle insurance surveys method and device |
| CN108460683A (en) * | 2017-02-20 | 2018-08-28 | 平安科技（深圳）有限公司 | Submit an expense account self-service application method and device |
| CN107093146A (en) * | 2017-04-11 | 2017-08-25 | 武汉华创欣网科技有限公司 | Compensation method is examined in a kind of online settlement of insurance claim |
| CN108255902A (en) * | 2017-04-11 | 2018-07-06 | 平安科技（深圳）有限公司 | Insurance risk Claims Resolution processing method, apparatus and Claims Resolution server |
| CN108255902B (en) * | 2017-04-11 | 2021-01-12 | 平安科技（深圳）有限公司 | Insurance accident claim settlement processing method and device and claim settlement server |
| CN108335237A (en) * | 2017-06-22 | 2018-07-27 | 平安科技（深圳）有限公司 | It puts on record method, terminal and computer readable storage medium |
| WO2018233367A1 (en) * | 2017-06-22 | 2018-12-27 | 平安科技（深圳）有限公司 | Case registration method and apparatus, terminal, and computer readable storage medium |
| WO2018232931A1 (en) * | 2017-06-23 | 2018-12-27 | 深圳市盛路物联通讯技术有限公司 | Traffic accident processing system and method based on internet of things |
| CN107369096A (en) * | 2017-06-23 | 2017-11-21 | 深圳市盛路物联通讯技术有限公司 | A kind of traffic accident transaction system and method based on Internet of Things |
| 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 |
| CN108280769A (en) * | 2018-02-01 | 2018-07-13 | 阿里巴巴集团控股有限公司 | The data processing method of Claims Resolution business, device, electronic equipment, server |
| CN108600390A (en) * | 2018-05-15 | 2018-09-28 | 北京首汽智行科技有限公司 | A kind of shared car damage identification and Claims Resolution method and device based on region chain |
| CN109191313A (en) * | 2018-08-13 | 2019-01-11 | 湖南瑞盛航信息科技有限公司 | A kind of generate in parking lot scratches and the Claims Resolution management system and its method of cosmetic damage |
| CN109191313B (en) * | 2018-08-13 | 2022-09-09 | 湖南瑞盛航信息科技有限公司 | Claims management system and method for generating scratch and damage in parking lot |
| CN109214781A (en) * | 2018-09-12 | 2019-01-15 | 医倍思特（北京）医疗信息技术有限公司 | A kind of people hurts the check method of Claims Resolution setting loss expense |
| CN109345395A (en) * | 2018-09-12 | 2019-02-15 | 医倍思特（北京）医疗信息技术有限公司 | A kind of anti-fake system and method for settlement of insurance claim |
| CN109886816A (en) * | 2018-12-04 | 2019-06-14 | 平潭海创智汇科技有限公司 | The control method of carwash scratch danger system |
| CN109886815A (en) * | 2018-12-04 | 2019-06-14 | 平潭海创智汇科技有限公司 | The control method of carwash scratch danger system |
| CN109712002A (en) * | 2018-12-04 | 2019-05-03 | 闽江学院 | The control method of parking lot scratch danger system |
| CN109447039A (en) * | 2018-12-04 | 2019-03-08 | 闽江学院 | The control method of parking lot scratch danger system |
| CN109785158A (en) * | 2018-12-13 | 2019-05-21 | 平安医疗健康管理股份有限公司 | A kind of health insurance core duty data processing method, server and computer-readable medium |
| CN109697672A (en) * | 2018-12-13 | 2019-04-30 | 平安医疗健康管理股份有限公司 | A kind of health insurance core damage data processing method, server and computer-readable medium |
| CN109712006A (en) * | 2018-12-13 | 2019-05-03 | 平安医疗健康管理股份有限公司 | A kind of vehicle insurance core duty data processing method, server and computer-readable medium |
| CN109697671A (en) * | 2018-12-13 | 2019-04-30 | 平安医疗健康管理股份有限公司 | A kind of vehicle insurance core damage data processing method, server and computer-readable medium |
| CN110782356A (en) * | 2018-12-14 | 2020-02-11 | 中国人民财产保险股份有限公司 | Vehicle insurance claim settlement method and vehicle insurance claim settlement service system |
| CN109741602A (en) * | 2019-01-11 | 2019-05-10 | 福建工程学院 | A kind of method and system of fender-bender auxiliary fix duty |
| CN110335464A (en) * | 2019-06-17 | 2019-10-15 | 深圳壹账通智能科技有限公司 | Processing method, device, terminal and the storage medium of traffic accident data |
| CN110335464B (en) * | 2019-06-17 | 2021-10-29 | 深圳壹账通智能科技有限公司 | Traffic accident data processing method, device, terminal and storage medium |
| CN110826550A (en) * | 2019-11-04 | 2020-02-21 | 泰康保险集团股份有限公司 | Target vehicle information verification method, device, equipment and storage medium |
| CN110826550B (en) * | 2019-11-04 | 2022-08-16 | 泰康保险集团股份有限公司 | Target vehicle information verification method, device, equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106228448A (en) | Vehicle insurance based on mobile communications network Claims Resolution method and device | |
| CN106231551A (en) | Vehicle insurance based on mobile communications network Claims Resolution method and device | |
| CN108304830B (en) | Method and device for monitoring personnel identity in vehicle on line and storage medium | |
| CN105956667B (en) | Vehicle insurance setting loss Claims Review method and system | |
| CN108540579B (en) | Driver identity online monitoring method and device and storage medium | |
| CN109741602A (en) | A kind of method and system of fender-bender auxiliary fix duty | |
| DE102015107503A1 (en) | Method and system for starting an application | |
| CN105825464A (en) | Traffic accident management method and device | |
| CN106920171A (en) | The method and device that car accident is settled a claim online | |
| CN116311870A (en) | Get-on point processing method, device, equipment and readable storage medium | |
| CN106571033A (en) | Drunk driving detection method and device | |
| CN106228449A (en) | Vehicle insurance Claims Resolution antifraud method and apparatus | |
| CN103940620A (en) | Method and system for distinguishing and prompting vehicle failures on basis of image identification | |
| CN103353974A (en) | System and method for insurance claim settlement | |
| CN102202082A (en) | Vehicle-mounted communication system and method | |
| US9770985B2 (en) | System for guiding economic driving, vehicle applied to the same, and method thereof | |
| CN103247171A (en) | Traffic violation monitoring system | |
| CN106557826A (en) | Many people are used in conjunction with reserving method, client and the system of the shared vehicles | |
| CN105575148A (en) | Passenger identification method and system | |
| DE102019104498A1 (en) | EXECUTION OF THE CHAIN REPLACEMENT BASED ON THE LOAD PRIORITY | |
| CN105721488A (en) | License plate communication device, system and method | |
| CN106779422A (en) | Vehicle insurance surveys system | |
| DE102013222092A1 (en) | Recognition of machine codes with an on-board camera of a vehicle | |
| CN105825554A (en) | Consumption method and system based on vehicle identification | |
| CN105185102A (en) | Fleet internal networking system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| CB02 | Change of applicant information |
Address after: 518057 Shenzhen Software Park, Nanshan District high tech Industrial Park, Guangdong, China,, 6 401-402 Applicant after: Yongxing Shenzhen Polytron Technologies Inc Address before: 518057 Shenzhen Software Park, Nanshan District high tech Industrial Park, Guangdong, China,, 6 401-402 Applicant before: Shenzhen Longrise Technology Co., Ltd. |
|
| COR | Change of bibliographic data | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20161214 |