CN106297347A - Vehicle insurance Claims Resolution method for early warning and device - Google Patents
Vehicle insurance Claims Resolution method for early warning and device Download PDFInfo
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- CN106297347A CN106297347A CN201610688856.1A CN201610688856A CN106297347A CN 106297347 A CN106297347 A CN 106297347A CN 201610688856 A CN201610688856 A CN 201610688856A CN 106297347 A CN106297347 A CN 106297347A
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- vehicle
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- G—PHYSICS
- G08—SIGNALLING
- G08G—TRAFFIC CONTROL SYSTEMS
- G08G1/00—Traffic control systems for road vehicles
- G08G1/09—Arrangements for giving variable traffic instructions
- G08G1/0962—Arrangements for giving variable traffic instructions having an indicator mounted inside the vehicle, e.g. giving voice messages
- G08G1/0967—Systems involving transmission of highway information, e.g. weather, speed limits
- G08G1/096766—Systems involving transmission of highway information, e.g. weather, speed limits where the system is characterised by the origin of the information transmission
- G08G1/096775—Systems involving transmission of highway information, e.g. weather, speed limits where the system is characterised by the origin of the information transmission where the origin of the information is a central station
Abstract
The invention discloses a kind of vehicle insurance Claims Resolution method for early warning and device, the method includes: when vehicle insurance Claims Resolution alarm command being detected, obtains the current location of the vehicle being used for vehicle insurance Claims Resolution service；Obtain traffic route and intersection in the predeterminable range of current location, and the vehicle insurance Claims Resolution event information that is relevant with intersection and that occur in past preset duration from vehicle insurance Claims Resolution acquisition traffic route, center；According to vehicle insurance Claims Resolution event information, add up the casualties number occurring vehicle accident to cause in each section and each intersection of traffic route；The casualties number that causes of vehicle accident will be occurred as risk zones more than the section of the traffic route of the number of presetting and/or intersection；The early warning information that output risk zones is corresponding.The present invention improves staff and faster reaches vehicle accident and occur position with timely process accident, the probability that relieves traffic congestion, significantly avoids the long-time traffic congestion caused because there is vehicle accident.
Description
Technical field
The present invention relates to intelligent automobile technical field, particularly relate to a kind of vehicle insurance Claims Resolution method for early warning and device.
Background technology
In recent years, developing rapidly along with socioeconomic, the social activity of people is day by day frequent, automobile traffic in city
Amount, pedestrian traffic amount etc. steeply rise, and substantially increase the probability of happening of people's car accident, car and car accident.On the other hand, by
In at present major part city, particularly small and medium cities, Transport Facility Construction imperfection, roading and wagon flow practical situation
Do not mate, too increase the probability of happening of people's car accident, car and car accident.
After there is vehicle accident, in order to distinguish responsible party, car owner dare not move accident vehicle easily and stop working on the spot,
To wait that vehicle insurance Claims Resolution staff comes to process, vehicle below just started lane change, jump a queue, detour, the action such as emergency brake, sternly
Heavily reduce road passage capability, cause congestion in road.But, the vehicle driven due to vehicle insurance Claims Resolution staff cannot be substantially
Infer that vehicle accident occurs position, it is likely that need the vehicle being i.e. used in vehicle insurance Claims Resolution service to get to through the long period
There is position in vehicle accident, causes vehicle accident to occur position to block up for a long time.
Summary of the invention
Present invention is primarily targeted at offer a kind of vehicle insurance Claims Resolution method for early warning and device, it is intended to solve existing vehicle insurance reason
The vehicle paying for service cannot substantially infer that vehicle accident occurs position, causes vehicle accident that the technology that position blocks up for a long time occurs
Problem.
For achieving the above object, a kind of vehicle insurance Claims Resolution method for early warning that the present invention provides, described vehicle insurance Claims Resolution method for early warning
Including:
When vehicle insurance Claims Resolution alarm command being detected, obtain the current location of the vehicle serviced for vehicle insurance Claims Resolution；
Obtain traffic route and intersection in the predeterminable range of current location, and obtain described traffic from vehicle insurance Claims Resolution center
Circuit vehicle insurance Claims Resolution event information that is relevant with intersection and that occur in past preset duration；
According to vehicle insurance Claims Resolution event information, obtain and hand in each section and each intersection of described traffic route
Interpreter therefore the casualties number that causes；
The casualties number occurring vehicle accident to cause is more than section and/or the crossroad of the traffic route of the number of presetting
Mouth is as risk zones；
The early warning information that output risk zones is corresponding, this early warning information includes the positional information at risk zones place, warning
Described vehicle driver pays close attention to the information warning of risk zones.
Preferably, also include after the step of the early warning information that described output risk zones is corresponding:
Obtain the running information that described vehicle is current, and according to the current location of vehicle and running information, generate vehicle
Prediction wheelpath；
When the prediction wheelpath of vehicle is through risk zones, export vehicle drive information.
Preferably, the described prediction wheelpath when vehicle, through risk zones, exports vehicle drive information
Step includes:
According to vehicle insurance Claims Resolution event information, obtain the number of times of each risk zones generation vehicle accident, and traffic will occur
The number of times of accident is more than the risk zones of preset times as high risk region；
When the prediction wheelpath of vehicle is through high risk region, output prompting user walks around the car in high risk district
Drive information.
Preferably, described according to vehicle insurance settle a claim event information, obtain the number of times of each risk zones generation vehicle accident, and
The number of times that vehicle accident occurs also is included after the step in high risk region more than the risk zones of preset times:
When the prediction wheelpath of vehicle is through ordinary risk region, the vehicle drive of output prompting user's careful driving
Information, wherein ordinary risk region is the number of times that vehicle accident the occurs risk zones less than preset times.
Preferably, described running information includes history wheelpath, driving azimuth, road speed, described according to vehicle
Current location and running information, the step of prediction wheelpath generating vehicle includes:
Driving azimuth according to vehicle and road speed, obtain distance current time and set the primary row in prediction duration
Wheel paths；
History wheelpath is extended to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
The present invention also provides for a kind of vehicle insurance Claims Resolution prior-warning device, and described vehicle insurance Claims Resolution prior-warning device includes:
Position acquisition module, for when vehicle insurance Claims Resolution alarm command being detected, obtaining the car for vehicle insurance Claims Resolution service
Current location；
Data obtaining module, is used for obtaining traffic route and intersection in the predeterminable range of current location, and manages from vehicle insurance
Compensation center obtains described traffic route vehicle insurance Claims Resolution event letter that is relevant with intersection and that occur in past preset duration
Breath；
Statistical module, for settling a claim event information according to vehicle insurance, obtain each section of described traffic route and each
There is the casualties number that vehicle accident causes in intersection；
Definition module, the casualties number for vehicle accident will be occurred to cause is more than the road of the traffic route of the number of presetting
Section and/or intersection are as risk zones；
Early warning output module, for exporting the early warning information that risk zones is corresponding, this early warning information includes risk zones institute
Positional information, warn described vehicle driver to pay close attention to the information warning of risk zones.
Preferably, described vehicle insurance Claims Resolution prior-warning device also includes:
Track Pick-up module, for obtaining the running information that vehicle is current, and the current location and driving according to vehicle is believed
Breath, generates the prediction wheelpath of vehicle；
Prompting output module, for when the prediction wheelpath of vehicle is through risk zones, output vehicle drive prompting
Information.
Preferably, described prompting output module is additionally operable to:
According to vehicle insurance Claims Resolution event information, obtain the number of times of each risk zones generation vehicle accident, and traffic will occur
The number of times of accident is more than the risk zones of preset times as high risk region；
When the prediction wheelpath of vehicle is through high risk region, output prompting user walks around the car in high risk district
Drive information.
Preferably, described prompting output module is additionally operable to:
When the prediction wheelpath of vehicle is through ordinary risk region, the vehicle drive of output prompting user's careful driving
Information, wherein ordinary risk region is the number of times that vehicle accident the occurs risk zones less than preset times.
Preferably, described running information includes history wheelpath, driving azimuth, road speed, described Track Pick-up
Module is used for:
Driving azimuth according to vehicle and road speed, obtain distance current time and set the primary row in prediction duration
Wheel paths；
History wheelpath is extended to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
The present invention, by when vehicle insurance Claims Resolution alarm command being detected, obtains the current of the vehicle for vehicle insurance Claims Resolution service
Position；Obtain traffic route and intersection in the predeterminable range of current location, and obtain described traffic line from vehicle insurance Claims Resolution center
Road vehicle insurance Claims Resolution event information that is relevant with intersection and that occur in past preset duration；According to vehicle insurance Claims Resolution event letter
Breath, adds up the casualties number occurring vehicle accident to cause in each section and each intersection of described traffic route；Will
Occur the casualties number that causes of vehicle accident more than the section of the traffic route of predeterminable level and/or intersection as risk
Region；The early warning information that output risk zones is corresponding, makes vehicle insurance Claims Resolution staff can know generation vehicle accident probability higher
Risk zones position, can substantially infer vehicle accident occur position, thus staff can drive for vehicle insurance manage
The vehicle paying for service travels near risk zones or awaits orders, and can arrive more quickly at vehicle accident when there is vehicle accident and send out
Raw position, improve staff faster reach vehicle accident occur position with timely process accident, the probability that relieves traffic congestion, greatly
Amplitude avoids the long-time traffic congestion caused because there is vehicle accident.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of vehicle insurance of the present invention Claims Resolution method for early warning one embodiment；
Fig. 2 is the schematic flow sheet of the vehicle insurance of the present invention Claims Resolution another embodiment of method for early warning；
Fig. 3 is the refinement schematic flow sheet of step S52 in Fig. 2 mono-embodiment；
Fig. 4 is the high-level schematic functional block diagram of vehicle insurance of the present invention Claims Resolution prior-warning device one embodiment；
Fig. 5 is the high-level schematic functional block diagram of the vehicle insurance of the present invention Claims Resolution another embodiment of prior-warning device.
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 Claims Resolution method for early warning, in vehicle insurance of the present invention Claims Resolution method for early warning one embodiment, ginseng
According to Fig. 1, this vehicle insurance Claims Resolution method for early warning includes:
Step S10, when vehicle insurance Claims Resolution alarm command being detected, obtains the present bit of the vehicle serviced for vehicle insurance Claims Resolution
Put；
Vehicle insurance Claims Resolution alarm command can be that vehicle generates voluntarily, and as started vehicle user (such as car owner), (vehicle is all
Refer to the vehicle for vehicle Claims Resolution service) time, vehicle generates vehicle insurance Claims Resolution alarm command voluntarily；Vehicle insurance Claims Resolution alarm command also may be used
To be that user inputs, such as in user drives vehicle travel process, user needs vehicle to provide and drives prompting, starts vehicle and drives
When sailing the function key of indoor setting, the vehicle for vehicle insurance Claims Resolution service generates vehicle insurance Claims Resolution alarm command.
When car-mounted terminal at vehicle detects vehicle insurance Claims Resolution alarm command, start vehicle insurance Claims Resolution modes of warning, based on GPS
(Global Positioning System, global positioning system) or the Big Dipper alignment system, obtain the current location of vehicle,
Sense current location can be latitude and longitude information, information of place names etc..
Step S20, obtains traffic route and intersection in the predeterminable range of current location, and obtains from vehicle insurance Claims Resolution center
Described traffic route vehicle insurance Claims Resolution event information that is relevant with intersection and that occur in past preset duration；
Traffic route includes turnpike road, minor road, avenue, expressway, national highway etc., i.e. traffic route refers to position
In city or suburbs and the road of the vehicle that can pass through；Intersection includes crossroad, T-shaped road junction, annular multilane road
Mouthful etc..Typically having urban traffic map in the car-mounted terminal of vehicle, urban traffic map includes each traffic route and friendship
Cross road mouth, centered by the current location at vehicle place, obtains current location circumference predeterminable range (if predeterminable range is 1 kilometer)
Interior all traffic routes and intersection.
When there is people's car accident and car and car accident, vehicle insurance Claims Resolution staff understands the very first time and rushes towards scene and carry out thing
Part processes and gathers vehicle insurance Claims Resolution temporal information, and vehicle insurance Claims Resolution temporal information includes the personal information of accident, information of vehicles, Claims Resolution
Information, information responsible, casualty situations etc., personal information includes accident both sides or personnel identity of driving in many ways, by bus personnel's body
Part, pedestrian's identity etc.；Information of vehicles includes vehicle damage degree, license plate number, the vehicle model etc. of the case-involving vehicle of accident；Claims Resolution letter
Breath includes amount for which loss settled, Claims Resolution benefited party's information, Claims Resolution loss side information etc.；Information responsible includes cause of accident, accident responsibility
Side's information etc.；The accident that includes casualty situations causes the death toll of personnel, number of injured people etc..Vehicle insurance Claims Resolution temporal information is typically protected
There is all insurance companies or on server (i.e. vehicle insurance Claims Resolution center) that insurer can inquire about.
The car-mounted terminal of vehicle getting in the predeterminable range of current location behind traffic route and intersection, is managed from vehicle insurance
The traffic route vehicle accident pair that is relevant with intersection and that occur in past preset duration of acquisition is downloaded at compensation center in real time
The vehicle insurance Claims Resolution event information answered, i.e. obtains and occurs in the traffic obtained in past preset duration (in month such as pass by)
The vehicle insurance Claims Resolution event information that circuit is corresponding with the vehicle accident of intersection.
Step S30, settles a claim event information according to vehicle insurance, obtains at each section of described traffic route and each crossroad
There is the casualties number that vehicle accident causes in mouth；
In urban transportation figure, each traffic route is divided into multiple section according to factors such as distance, landform, place names, each
Section and intersection are provided with the numbering of correspondence, and according to the vehicle insurance Claims Resolution event information obtained, statistics is in past preset duration
There is the casualties number that vehicle accident causes in each section of inherent traffic route and each intersection, traffic wherein occurs
The casualties number that accident causes is the highest, shows that accident is the most serious, and the accident that corresponding road section or intersection vehicle were opened occurs
Rate is the highest.The casualties number that vehicle accident causes is usually and is carried out accurate statistics by traffic or insurance company, these personnel
Injures and deaths number can occur the casualties number of the caused personnel of vehicle accident in preset duration by a certain section or intersection
Summation, it is also possible to every Accident in preset duration causes the average personnel of personnel to hinder for a certain section or intersection
Die number.
Step S40, by occur the casualties number that causes of vehicle accident more than the section of the traffic route of the number of presetting and/
Or intersection is as risk zones；
Can arrange the numerical values recited of predeterminable level according to demand, the driver (such as car owner) of such as vehicle is to have to drive for many years
Sailing the old driver of experience, to the control ability of vehicle and relatively strong to real-time road ability to predict, then presetting number can suitably increase；
The current location of such as vehicle is in western remote districts, and road is wider, vehicle is less, then preset number and also can suitably increase.
The casualties number that each section and each intersection occur vehicle accident to cause is compared with default number, will occur
The casualties number that vehicle accident causes more than the section of traffic route of the number of presetting and/or intersection as risk area
Territory, risk zones shows to travel in this region have certain risk, has higher accident rate compared to normal areas,
Wherein, normal areas is the section that the casualties number occurring vehicle accident to cause is less than or equal to the traffic route of number of presetting
And/or intersection.The casualties number occurring vehicle accident to cause when certain risk area is the most, shows that this risk zones occurs
Vehicle accident the most serious.
Step S50, the early warning information that output risk zones is corresponding, this early warning information includes the position letter at risk zones place
Cease, warn described vehicle driver to pay close attention to the information warning of risk zones.
After determining risk zones, positional information and the described vehicle driver of warning at output risk zones place pay close attention to wind
The information warning in territory, danger zone, it is in place that vehicle insurance Claims Resolution staff can know the risk zones institute occurring vehicle accident probability higher
Put, can substantially infer that vehicle accident occurs position, thus staff can drive and settle a claim the vehicle serviced at wind for vehicle insurance
Danger areas adjacent travels or awaits orders, and can arrive more quickly at vehicle accident when there is vehicle accident and position occurs, improve work
Make personnel faster to reach vehicle accident and occur position with timely process accident, the probability that relieves traffic congestion, significantly avoid because occurring
Vehicle accident and the long-time traffic congestion that causes.
In the present embodiment, by when vehicle insurance Claims Resolution alarm command being detected, obtaining the car for vehicle insurance Claims Resolution service
Current location；Obtain traffic route and intersection in the predeterminable range of current location, and obtain institute from vehicle insurance Claims Resolution center
State traffic route vehicle insurance Claims Resolution event information that is relevant with intersection and that occur in past preset duration；Manage according to vehicle insurance
Pay for event information, add up the personnel's wound occurring vehicle accident to cause in each section and each intersection of described traffic route
Die number；The casualties number occurring vehicle accident to cause is more than section and/or the intersection of the traffic route of predeterminable level
As risk zones；The early warning information that output risk zones is corresponding, makes vehicle insurance Claims Resolution staff can know generation vehicle accident
The risk zones position that probability is higher, can substantially infer that vehicle accident occurs position, thus staff can drive use
Vehicle in vehicle insurance Claims Resolution service travels near risk zones or awaits orders, and can arrive more quickly at friendship when there is vehicle accident
Interpreter thus occur position, improve staff faster reach vehicle accident occur position with timely process accident, relieve traffic congestion
Probability, significantly avoid because there is vehicle accident and the long-time traffic congestion that causes.
Further, with reference to Fig. 2, also include after step S50:
Step S51, obtains the current running information of vehicle, and according to the current location of vehicle and running information, generates car
Prediction wheelpath；
Obtain the running information of vehicle, it is contemplated that draw the primary wheelpath of vehicle, then rising primary wheelpath
Top is connected with current location, thus generates the prediction wheelpath of vehicle.
Specifically, running information includes history wheelpath, driving azimuth, road speed,
Step S51 includes:
Driving azimuth according to vehicle and road speed, obtain distance current time and set the primary row in prediction duration
Wheel paths；
History wheelpath is extended to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
Understand foregoing for auxiliary, illustrate in order to specific embodiment, according to driving azimuth and the driving of vehicle
Speed, obtains distance current time and sets the primary wheelpath in prediction duration, calculate according to history wheelpath and prolonged
Stretch wheelpath, take the intermediate track between primary wheelpath and extension wheelpath as prediction wheelpath, mid-rail
Mark is track midpoint line, this track midpoint be primary wheelpath with extension wheelpath on each time point two corresponding
The midpoint of some line.
Step S52, when the prediction wheelpath of vehicle is through risk zones, exports vehicle drive information.
After determining risk zones, export the vehicle drive information relevant to risk zones, vehicle drive prompting letter
Breath can include one or more in audio frequency, video, vibrations, picture.After the prediction wheelpath generating vehicle, it is judged that vehicle
Prediction wheelpath whether through risk zones, when judging that the prediction wheelpath of vehicle, through risk zones, shows car
Occur people's car accident, car will improve with the probability of car accident, output vehicle drive information, to remind vehicle drive
Member cheers up attention road conditions to avoid accident to occur.
Preferably, with reference to Fig. 3, step S52 includes:
Step S521, according to vehicle insurance Claims Resolution event information, obtains the number of times of each risk zones generation vehicle accident, and will
The number of times that vehicle accident occurs is more than the risk zones of preset times as high risk region；
The section numbering corresponding according to risk zones or crossing numbering, obtain preset duration in the past from vehicle insurance Claims Resolution center
Interior vehicle insurance Claims Resolution event information, according to this vehicle insurance Claims Resolution event information, obtains the secondary of each risk zones generation vehicle accident
Number, compares the number of times of each risk zones generation vehicle accident with preset times, by big for the number of times that vehicle accident occurs
In the risk zones of preset times as high risk region.The number of times that vehicle accident occurs can be by the number of times carrying out vehicle insurance Claims Resolution
Draw.When the number of times of certain risk area generation vehicle accident is the most, show that the vehicle accident that this risk zones occurs is the most serious, should
The number of times that vehicle accident occurs can be that in this risk zones, the number of times of all vehicle accidents of generation is total in past preset duration
With.
Step S522, when the prediction wheelpath of vehicle is through high risk region, output prompting user walks around high-risk
The vehicle drive information of risk zones.
When judging that the prediction wheelpath of vehicle, through high risk region, shows generation people's car accident of vehicle, car
Significantly promote with the probability of car accident, remind vehicle driver to cheer up and note road conditions, careful driving not, need defeated
Go out to point out the vehicle drive information that user walks around high risk region, i.e. remind vehicle driver to walk around high risk district
Territory, as provided another kind to arrive at and effectively circumvent the traffic route in high risk region, to stop high risk area is overseas
Stay or travel, thus avoiding user to undertake excessive risk people's car accident, car occurring with car accident, improve the safety of vehicle drive
Property.Meanwhile, also reduce the vehicle flowrate in high risk region, indirectly reduce high risk region and the general of vehicle accident occurs
Rate, As time goes on, high risk region may be downgraded to ordinary risk region.
Additionally, also include after step S521:
Step S523, when the prediction wheelpath of vehicle is through ordinary risk region, output prompting user's careful driving
Vehicle drive information, wherein ordinary risk region is that the number of times that vehicle accident occurs is less than or equal to the wind of preset times
Territory, danger zone.
Ordinary risk region is the number of times that vehicle accident the occurs risk zones less than or equal to preset times, when detecting
The prediction wheelpath of vehicle, through ordinary risk region, shows that driver vehicle, through ordinary risk region, needs
It is noted that road conditions, careful driving, it is possible to it is prevented effectively from the generation of vehicle accident, so now output prompting user's careful driving
Vehicle drive information, such as the voice message of output " careful driving, note road conditions ", thus avoid user to undertake generation people
Car accident, car and the excessive risk of car accident, improve the safety of vehicle drive.Meanwhile, if the driver of all vehicles is at warp
When crossing ordinary risk region, can note road conditions, careful driving, the probability of ordinary risk region generation vehicle accident also can be significantly
Degree reduces, thus has both realized the early warning of the relevant risk zones of vehicle Claims Resolution, also ensure that vehicle insurance Claims Resolution service special-purpose vehicle
Traffic safety.
The present invention also provides for a kind of vehicle insurance Claims Resolution prior-warning device, and with reference to Fig. 4, vehicle insurance Claims Resolution prior-warning device can be arranged and vehicle
Car-mounted terminal in, vehicle insurance Claims Resolution prior-warning device include:
Position acquisition module 10, for when vehicle insurance Claims Resolution alarm command being detected, obtains for vehicle insurance Claims Resolution service
The current location of vehicle；
Vehicle insurance Claims Resolution alarm command can be that vehicle generates voluntarily, and as started vehicle user (such as car owner), (vehicle is all
Refer to the vehicle for vehicle Claims Resolution service) time, vehicle generates vehicle insurance Claims Resolution alarm command voluntarily；Vehicle insurance Claims Resolution alarm command also may be used
To be that user inputs, such as in user drives vehicle travel process, user needs vehicle to provide and drives prompting, starts vehicle and drives
When sailing the function key of indoor setting, the vehicle for vehicle insurance Claims Resolution service generates vehicle insurance Claims Resolution alarm command.
When position acquisition module 10 detects vehicle insurance Claims Resolution alarm command, start vehicle insurance Claims Resolution modes of warning, based on GPS
(Global Positioning System, global positioning system) or the Big Dipper alignment system, obtain the current location of vehicle,
Sense current location can be latitude and longitude information, information of place names etc..
Data obtaining module 20, is used for obtaining traffic route and intersection in the predeterminable range of current location, and from vehicle insurance
Claims Resolution center obtains described traffic route vehicle insurance Claims Resolution event that is relevant with intersection and that occur in past preset duration
Information；
Traffic route includes turnpike road, minor road, avenue, expressway, national highway etc., i.e. traffic route refers to position
In city or suburbs and the road of the vehicle that can pass through；Intersection includes crossroad, T-shaped road junction, annular multilane road
Mouthful etc..Typically having urban traffic map in the car-mounted terminal of vehicle, urban traffic map includes each traffic route and friendship
Cross road mouth, centered by the current location at vehicle place, obtains current location circumference predeterminable range (if predeterminable range is 1 kilometer)
Interior all traffic routes and intersection.
When there is people's car accident and car and car accident, vehicle insurance Claims Resolution staff understands the very first time and rushes towards scene and carry out thing
Part processes and gathers vehicle insurance Claims Resolution temporal information, and vehicle insurance Claims Resolution temporal information includes the personal information of accident, information of vehicles, Claims Resolution
Information, information responsible, casualty situations etc., personal information includes accident both sides or personnel identity of driving in many ways, by bus personnel's body
Part, pedestrian's identity etc.；Information of vehicles includes vehicle damage degree, license plate number, the vehicle model etc. of the case-involving vehicle of accident；Claims Resolution letter
Breath includes amount for which loss settled, Claims Resolution benefited party's information, Claims Resolution loss side information etc.；Information responsible includes cause of accident, accident responsibility
Side's information etc.；The accident that includes casualty situations causes the death toll of personnel, number of injured people etc..Vehicle insurance Claims Resolution temporal information is typically protected
There is all insurance companies or on server (i.e. vehicle insurance Claims Resolution center) that insurer can inquire about.
Data obtaining module 20 getting in the predeterminable range of current location behind traffic route and intersection, is managed from vehicle insurance
The traffic route vehicle accident pair that is relevant with intersection and that occur in past preset duration of acquisition is downloaded at compensation center in real time
The vehicle insurance Claims Resolution event information answered, i.e. obtains and occurs in the traffic obtained in past preset duration (in month such as pass by)
The vehicle insurance Claims Resolution event information that circuit is corresponding with the vehicle accident of intersection.
Statistical module 30, for settling a claim event information according to vehicle insurance, obtains in each section of described traffic route and each
There is the casualties number that vehicle accident causes in individual intersection；
In urban transportation figure, each traffic route is divided into multiple section according to factors such as distance, landform, place names, each
Section and intersection are provided with the numbering of correspondence, and statistical module 30 is according to the vehicle insurance Claims Resolution event information obtained, and statistics is in mistake
The casualties number occurring vehicle accident to cause in each section and each intersection of traffic route in going preset duration, its
The casualties number that middle generation vehicle accident causes is the highest, shows that accident is the most serious, and corresponding road section or intersection vehicle were opened
Accident rate the highest.The casualties number that vehicle accident causes is usually and is accurately united by traffic or insurance company
Meter, this casualties number can occur the people of the caused personnel of vehicle accident in preset duration by a certain section or intersection
Member's injures and deaths number summation, it is also possible to every Accident in preset duration causes putting down of personnel for a certain section or intersection
All casualties numbers.
Definition module 40, the casualties number for vehicle accident will be occurred to cause is more than the traffic route of the number of presetting
Section and/or intersection are as risk zones；
Can arrange the numerical values recited of predeterminable level according to demand, the driver (such as car owner) of such as vehicle is to have to drive for many years
Sailing the old driver of experience, to the control ability of vehicle and relatively strong to real-time road ability to predict, then presetting number can suitably increase；
The current location of such as vehicle is in western remote districts, and road is wider, vehicle is less, then preset number and also can suitably increase.
The casualties number that each section and each intersection occur vehicle accident to cause is carried out by definition module 40 with default number
Relatively, definition module 40 by the casualties number that occurs vehicle accident to cause more than the section of the traffic route of the number of presetting and/
Or intersection is as risk zones, risk zones shows to travel in this region have certain risk, compared to normal areas
Having higher accident rate, wherein, normal areas is that the casualties number occurring vehicle accident to cause is less than or equal to pre-
If the section of the traffic route of number and/or intersection.When the casualties number that the generation vehicle accident of certain risk area causes
The most, show that the vehicle accident that this risk zones occurs is the most serious.
Early warning output module 50, for exporting the early warning information that risk zones is corresponding, this early warning information includes risk zones
The positional information at place, described vehicle driver is warned to pay close attention to the information warning of risk zones.
Early warning output module 50, after determining risk zones, positional information and the warning at output risk zones place are described
Vehicle driver pays close attention to the information warning of risk zones, and it is higher that vehicle insurance Claims Resolution staff can know generation vehicle accident probability
Risk zones position, can substantially infer that vehicle accident occurs position, thus staff can drive and settle a claim for vehicle insurance
The vehicle of service travels near risk zones or awaits orders, and can arrive more quickly at vehicle accident when there is vehicle accident and occur
Position, improve staff faster reach vehicle accident occur position with timely process accident, the probability that relieves traffic congestion, significantly
Degree avoids the long-time traffic congestion caused because there is vehicle accident.
In the present embodiment, by position acquisition module 10 when vehicle insurance Claims Resolution alarm command being detected, obtain for car
The current location of the vehicle of danger Claims Resolution service；Data obtaining module 20 obtains traffic route and intersection in the predeterminable range of current location
Crossing, and from vehicle insurance Claims Resolution center obtain described traffic route relevant with intersection and in past preset duration generation
Vehicle insurance Claims Resolution event information；Statistical module 30, according to vehicle insurance Claims Resolution event information, adds up each section in described traffic route
The casualties number caused with the generation vehicle accident of each intersection；The personnel that definition module 40 will occur vehicle accident to cause
Injures and deaths number more than the section of traffic route of predeterminable level and/or intersection as risk zones；Early warning output module 50 is defeated
Go out the early warning information that risk zones is corresponding, make vehicle insurance Claims Resolution staff can know the risk area occurring vehicle accident probability higher
Position, territory, can substantially infer that vehicle accident occurs position, thus staff can drive for vehicle insurance Claims Resolution service
Vehicle travels near risk zones or awaits orders, and can arrive more quickly at vehicle accident when there is vehicle accident and position occurs,
Improve staff faster to reach vehicle accident and occur position with timely process accident, the probability that relieves traffic congestion, significantly keep away
Exempt from the long-time traffic congestion caused because there is vehicle accident.
Further, with reference to Fig. 5, described vehicle insurance Claims Resolution prior-warning device also includes:
Track Pick-up module 51, for obtaining the running information that vehicle is current, and according to the current location of vehicle and driving
Information, generates the prediction wheelpath of vehicle；
Track Pick-up module 51 obtains the running information of vehicle, it is contemplated that draw the primary wheelpath of vehicle, then will just
The initiating terminal of level wheelpath is connected with current location, thus generates the prediction wheelpath of vehicle.
Specifically, running information includes history wheelpath, driving azimuth, road speed, described Track Pick-up module
51 are used for:
Driving azimuth according to vehicle and road speed, obtain distance current time and set the primary row in prediction duration
Wheel paths；
History wheelpath is extended to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
Understanding foregoing for auxiliary, illustrate in order to specific embodiment, Track Pick-up module 51 is according to the row of vehicle
Car azimuth and road speed, obtain distance current time and set the primary wheelpath in prediction duration, Track Pick-up module
51 obtain extending wheelpath according to the reckoning of history wheelpath, take primary wheelpath and the centre extended between wheelpath
Track is as prediction wheelpath, and intermediate track is track midpoint line, and this track midpoint is that primary wheelpath is gone with extending
Wheel paths is the midpoint of two corresponding point lines on each time point.
Prompting output module 52, carries through risk zones, output vehicle drive for the prediction wheelpath when vehicle
Show information.
After determining risk zones, export the vehicle drive information relevant to risk zones, vehicle drive prompting letter
Breath can include one or more in audio frequency, video, vibrations, picture.After the prediction wheelpath generating vehicle, prompting output
Module 52 judge the prediction wheelpath of vehicle whether through risk zones, when judging that the prediction wheelpath of vehicle is through risk
During region, show that occur people's car accident, the car of vehicle will improve with the probability of car accident, export vehicle drive information,
To remind vehicle driver to cheer up attention road conditions to avoid accident to occur.
Preferably, prompting output module 52 is additionally operable to:
According to vehicle insurance Claims Resolution event information, obtain the number of times of each risk zones generation vehicle accident, and traffic will occur
The number of times of accident is more than the risk zones of preset times as high risk region；
When the prediction wheelpath of vehicle is through high risk region, output prompting user walks around the car in high risk district
Drive information.
The section numbering corresponding according to risk zones or crossing numbering, obtain preset duration in the past from vehicle insurance Claims Resolution center
Interior vehicle insurance Claims Resolution event information, prompting output module 52, according to this vehicle insurance Claims Resolution event information, obtains each risk zones and sends out
The number of times of raw vehicle accident, the number of times of each risk zones generation vehicle accident is carried out by prompting output module 52 with preset times
Relatively, the number of times that vehicle accident occurs is more than the risk zones of preset times as high risk region.There is vehicle accident
Number of times can be drawn by the number of times carrying out vehicle insurance Claims Resolution.When the number of times of certain risk area generation vehicle accident is the most, show this wind
The vehicle accident that territory, danger zone occurs is the most serious, and the number of times of this generation vehicle accident can be this risk zones in past preset duration
The number of times summation of all vehicle accidents of middle generation.
When judging that the prediction wheelpath of vehicle, through high risk region, shows generation people's car accident of vehicle, car
Significantly promote with the probability of car accident, remind vehicle driver to cheer up and note road conditions, careful driving not, need to carry
Show that output module 52 output prompting user walks around the vehicle drive information in high risk region, i.e. remind vehicle driver around
Cross high-risk risk zones, as provided another kind to arrive at and effectively circumvent the traffic route in high risk region, thus keep away
Exempt from user and undertake excessive risk people's car accident, car occurring with car accident, improve the safety of vehicle drive.Meanwhile, also reduce
The vehicle flowrate in high risk region, indirectly reduces high risk region and the probability of vehicle accident occurs, over time
Passage, high risk region may be downgraded to ordinary risk region.
Additionally, prompting output module 52 is additionally operable to:
When the prediction wheelpath of vehicle is through ordinary risk region, the vehicle drive of output prompting user's careful driving
Information, wherein ordinary risk region is the number of times that vehicle accident the occurs risk zones less than or equal to preset times.
Ordinary risk region is the number of times that vehicle accident the occurs risk zones less than or equal to preset times, when detecting
The prediction wheelpath of vehicle, through ordinary risk region, shows that driver vehicle, through ordinary risk region, needs
It is noted that road conditions, careful driving, it is possible to it is prevented effectively from the generation of vehicle accident, so now the output of prompting output module 52 carries
Show the vehicle drive information of user's careful driving, as exported the voice message of " careful driving, attention road conditions ", thus avoid
User undertakes excessive risk people's car accident, car occurring with car accident, improves the safety of vehicle drive.Meanwhile, if all cars
Driver through ordinary risk region, road conditions, careful driving can be noted, there is vehicle accident in ordinary risk region
Probability also can be greatly lowered, thus both realized the early warning of the relevant risk zones of vehicle Claims Resolution, also ensure that vehicle insurance was settled a claim
The traffic safety of service special-purpose vehicle.
Through the above description of the embodiments, those skilled in the art is it can be understood that arrive above-described embodiment side
Method can add the mode of required general hardware platform by software and realize, naturally it is also possible to by hardware, but a lot of in the case of
The former is more preferably embodiment.Based on such understanding, prior art is done by technical scheme the most in other words
The part going out contribution can embody with the form of software product, and this computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions with so that a station terminal equipment (can be mobile phone, computer, take
Business device, air-conditioner is, or the network equipment etc.) method that performs each embodiment of the present invention.
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. a vehicle insurance Claims Resolution method for early warning, it is characterised in that described vehicle insurance Claims Resolution method for early warning includes:
When vehicle insurance Claims Resolution alarm command being detected, obtain the current location of the vehicle serviced for vehicle insurance Claims Resolution；
Obtain traffic route and intersection in the predeterminable range of current location, and obtain described traffic route from vehicle insurance Claims Resolution center
Vehicle insurance Claims Resolution event information that is relevant with intersection and that occur in past preset duration；
According to vehicle insurance Claims Resolution event information, obtain, in each section and each intersection of described traffic route, traffic thing occurs
Therefore the casualties number caused；
The casualties number occurring vehicle accident to cause is made more than section and/or the intersection of the traffic route of the number of presetting
For risk zones；
The early warning information that output risk zones is corresponding, this early warning information includes that the positional information at risk zones place, warning are described
Vehicle driver pays close attention to the information warning of risk zones.
2. vehicle insurance Claims Resolution method for early warning as claimed in claim 1, it is characterised in that the early warning that described output risk zones is corresponding
Also include after the step of information:
Obtain the running information that described vehicle is current, and according to the current location of vehicle and running information, generate the prediction of vehicle
Wheelpath；
When the prediction wheelpath of vehicle is through risk zones, export vehicle drive information.
3. vehicle insurance Claims Resolution method for early warning as claimed in claim 2, it is characterised in that described when the prediction wheelpath warp of vehicle
When crossing risk zones, the step of output vehicle drive information includes:
According to vehicle insurance Claims Resolution event information, obtain the number of times of each risk zones generation vehicle accident, and vehicle accident will occur
Number of times more than the risk zones of preset times as high risk region；
When the prediction wheelpath of vehicle is through high risk region, output prompting user walks around the vehicle in high risk district and drives
Sail information.
4. vehicle insurance Claims Resolution method for early warning as claimed in claim 3, it is characterised in that described according to vehicle insurance Claims Resolution event information,
Obtain the number of times of each risk zones generation vehicle accident, and the number of times risk area more than preset times of vehicle accident will occur
Territory also includes after the step as high risk region:
When the prediction wheelpath of vehicle is through ordinary risk region, the vehicle drive prompting of output prompting user's careful driving
Information, wherein ordinary risk region is the number of times that vehicle accident the occurs risk zones less than preset times.
5. vehicle insurance Claims Resolution method for early warning as claimed in claim 2, it is characterised in that described running information includes history driving rail
Mark, driving azimuth, road speed, the described current location according to vehicle and running information, generate the prediction driving rail of vehicle
The step of mark includes:
Driving azimuth according to vehicle and road speed, obtain the primary driving rail that distance current time sets in prediction duration
Mark；
History wheelpath is extended to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
6. a vehicle insurance Claims Resolution prior-warning device, it is characterised in that described vehicle insurance Claims Resolution prior-warning device includes:
Position acquisition module, for when vehicle insurance Claims Resolution alarm command being detected, obtains the vehicle for vehicle insurance Claims Resolution service
Current location；
Data obtaining module, is used for obtaining traffic route and intersection in the predeterminable range of current location, and from vehicle insurance is settled a claim
The heart obtains described traffic route vehicle insurance Claims Resolution event information that is relevant with intersection and that occur in past preset duration；
Statistical module, for according to vehicle insurance Claims Resolution event information, obtaining and intersect with each in each section of described traffic route
There is the casualties number that vehicle accident causes in crossing；
Definition module, the casualties number for vehicle accident will be occurred to cause is more than the section of the traffic route of the number of presetting
And/or intersection is as risk zones；
Early warning output module, for exporting the early warning information that risk zones is corresponding, this early warning information includes risk zones place
Positional information, described vehicle driver is warned to pay close attention to the information warning of risk zones.
7. vehicle insurance Claims Resolution prior-warning device as claimed in claim 6, it is characterised in that described vehicle insurance Claims Resolution prior-warning device also wraps
Include:
Track Pick-up module, for obtaining the running information that vehicle is current, and according to the current location of vehicle and running information, raw
Become the prediction wheelpath of vehicle；
Prompting output module, for when the prediction wheelpath of vehicle is through risk zones, exporting vehicle drive information.
8. vehicle insurance Claims Resolution prior-warning device as claimed in claim 7, it is characterised in that described prompting output module is additionally operable to:
According to vehicle insurance Claims Resolution event information, obtain the number of times of each risk zones generation vehicle accident, and vehicle accident will occur
Number of times more than the risk zones of preset times as high risk region；
When the prediction wheelpath of vehicle is through high risk region, output prompting user walks around the vehicle in high risk district and drives
Sail information.
9. vehicle insurance Claims Resolution prior-warning device as claimed in claim 8, it is characterised in that described prompting output module is additionally operable to:
When the prediction wheelpath of vehicle is through ordinary risk region, the vehicle drive prompting of output prompting user's careful driving
Information, wherein ordinary risk region is the number of times that vehicle accident the occurs risk zones less than preset times.
10. vehicle insurance Claims Resolution prior-warning device as claimed in claim 7, it is characterised in that described running information includes that history is driven a vehicle
Track, driving azimuth, road speed, described Track Pick-up module is used for:
Driving azimuth according to vehicle and road speed, obtain the primary driving rail that distance current time sets in prediction duration
Mark；
History wheelpath is extended to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
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| CN106297347B (en) | 2019-05-24 |
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