CN106327336A - Vehicle insurance survey assisting system and realization method therefor - Google Patents
Vehicle insurance survey assisting system and realization method therefor Download PDFInfo
- Publication number
- CN106327336A CN106327336A CN201610629909.2A CN201610629909A CN106327336A CN 106327336 A CN106327336 A CN 106327336A CN 201610629909 A CN201610629909 A CN 201610629909A CN 106327336 A CN106327336 A CN 106327336A
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- Prior art keywords
- vehicle
- vehicle insurance
- insurance
- information
- mobile terminal
- Prior art date
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Classifications
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- 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
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C5/00—Registering or indicating the working of vehicles
- G07C5/008—Registering or indicating the working of vehicles communicating information to a remotely located station
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C5/00—Registering or indicating the working of vehicles
- G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
- G07C5/0841—Registering performance data
Abstract
The invention discloses a vehicle insurance survey assisting system comprising a vehicle-mounted assisting terminal, a vehicle owner mobile terminal and a vehicle insurance processing platform; the vehicle-mounted assisting terminal is mounted on a vehicle and is used for collecting status information of a current vehicle, the vehicle owner mobile terminal is used for obtaining the status information collected via the vehicle-mounted assisting terminal when the vehicle has an accident, the vehicle owner mobile terminal is also used for initiating a vehicle insurance claim settlement request to the vehicle insurance processing platform, the vehicle insurance claim settlement request at least comprises the status information, the vehicle insurance processing platform is used for receiving and saving the vehicle insurance claim settlement request and generating a corresponding accident task according to the vehicle insurance claim settlement request, and a vehicle insurance claim settlement acceptance message is sent to the vehicle owner mobile terminal in response to the vehicle insurance claim settlement request. The invention also discloses a realization method for the vehicle insurance survey assisting system. Via the vehicle insurance survey assisting system and the realization method therefor, an insurance company can be assisted in knowing about details of an accident site, and problems of insurance frauds can be prevented.
Description
Technical field
The present invention relates to vehicle insurance Claims Resolution technical field, particularly relate to vehicle insurance and survey aid system and its implementation.
Background technology
Generally, when vehicle has an accident, if car owner does not carry out settlement of insurance claim, then insurance company cannot know.Meanwhile,
Even if car owner has carried out reporting to the police and requiring that insurance company settles a claim after vehicle has an accident, but insurance company cannot determine car equally
Whether main have the forgery scene of the accident, and therefore, in existing mode, insurance company can only use the mode of reconnaissance at criminal scene to determine accident
The true and false, and then avoid the generation of insurance fraud problem.But this type of mode not only increases the workload of reconnaissance at criminal scene personnel, the most also
Add the difficulty of work, and then be unfavorable for the development of insurance business.
Summary of the invention
A kind of vehicle insurance of offer is provided and surveys aid system and its implementation, it is intended to solve existing
In technology, insurance company can not clearly determine whether the settlement of insurance claim of accident vehicle exists the technical problem of insurance fraud behavior
For achieving the above object, the present invention provides a kind of vehicle insurance to survey aid system, and described vehicle insurance surveys aid system bag
Include vehicle-mounted auxiliary terminal, car owner's mobile terminal and vehicle insurance processing platform；
Described vehicle-mounted auxiliary terminal, is arranged on vehicle and for gathering the condition information of Current vehicle；
Described car owner's mobile terminal, for when vehicle has an accident, obtains the institute that described vehicle-mounted auxiliary terminal is gathered
Stating condition information, and initiate vehicle insurance Claims Resolution request to described vehicle insurance processing platform, wherein, the Claims Resolution request of described vehicle insurance at least includes
Described condition information；
Described vehicle insurance processing platform, is used for receiving the Claims Resolution request of described vehicle insurance and preserving, and settles a claim according to described vehicle insurance
Request, generates correspondence and is in danger task, and sends vehicle insurance Claims Resolution to described car owner's mobile terminal and accept information to respond described vehicle insurance
Claims Resolution request.
Preferably, described condition information at least includes that the velocity information of vehicle, the geographical location information of vehicle, vehicle travel
Time traffic information, the appearance form of described traffic information at least includes picture or video；The Claims Resolution request of described vehicle insurance is at least also
Information, the geographical location information of described car owner's mobile terminal is protected including car.
Preferably, described vehicle insurance processing platform is additionally operable to:
Check between the geographical location information of described vehicle and the geographical location information of described car owner's mobile terminal corresponding
Distance whether be in predeterminable range in the range of, and check the acquisition time of described condition information and the Claims Resolution request of described vehicle insurance
The difference of reception time whether in preset duration, and the result of verification is reported.
Preferably, described vehicle-mounted auxiliary terminal is additionally operable to: according to the preset AES described condition information to collecting
It is encrypted preservation；
Described vehicle insurance processing platform is additionally operable to: according to the decipherment algorithm corresponding to described AES, to described in encryption
Condition information is decrypted.
Preferably, described car owner's mobile terminal is additionally operable to:
The field accident information generated by described car owner's mobile terminal is sent to described vehicle insurance processing platform, its
In, the appearance form of described field accident information at least includes one or more in voice, picture, video.
Further, for achieving the above object, the present invention also provides for a kind of vehicle insurance and surveys the implementation method of aid system, institute
Stating vehicle insurance to survey aid system and include vehicle-mounted auxiliary terminal, car owner's mobile terminal and vehicle insurance processing platform, described vehicle insurance is surveyed
The implementation method of aid system includes:
Described vehicle-mounted auxiliary terminal gathers the condition information of Current vehicle, and wherein, described vehicle-mounted auxiliary terminal is arranged on car
On；
When vehicle has an accident, the described situation that vehicle-mounted auxiliary terminal described in described car owner's acquisition for mobile terminal is gathered
Information, and initiate vehicle insurance Claims Resolution request to described vehicle insurance processing platform, wherein, the Claims Resolution request of described vehicle insurance at least includes described shape
Condition information；
Described vehicle insurance processing platform receives the Claims Resolution request of described vehicle insurance and preserves, and according to the Claims Resolution request of described vehicle insurance, raw
Become correspondence be in danger task and to described car owner's mobile terminal send vehicle insurance Claims Resolution accept information with respond described vehicle insurance Claims Resolution please
Ask.
Preferably, described condition information at least includes that the velocity information of vehicle, the geographical location information of vehicle, vehicle travel
Time traffic information, the appearance form of described traffic information at least includes picture or video；The Claims Resolution request of described vehicle insurance is at least also
Information, the geographical location information of described car owner's mobile terminal is protected including car.
Preferably, after described vehicle insurance processing platform receives the Claims Resolution request of described vehicle insurance, described vehicle insurance surveys aid system
Implementation method also include:
Described vehicle insurance processing platform checks the geographical location information of described vehicle and the geographical position of described car owner's mobile terminal
In the range of between confidence breath, whether corresponding distance is in predeterminable range, and check the acquisition time of described condition information with
Whether the difference of the reception time of described vehicle insurance Claims Resolution request is in preset duration, and the result of verification reported.
Preferably, after described vehicle-mounted auxiliary terminal collects described condition information, described vehicle insurance surveys aid system
Implementation method also includes:
Described vehicle-mounted auxiliary terminal is encrypted preservation according to preset AES to the described condition information collected；
After described vehicle insurance processing platform receives the Claims Resolution request of described vehicle insurance, described vehicle insurance surveys the realization side of aid system
Method also includes:
Described vehicle insurance processing platform is according to the decipherment algorithm corresponding to described AES, the described condition information to encryption
It is decrypted.
Preferably, when vehicle has an accident, described vehicle insurance is surveyed the implementation method of aid system and is also included:
Described car owner's mobile terminal generates the field accident information of vehicle and is sent to described vehicle insurance processing platform, wherein,
The appearance form of described field accident information at least includes one or more in voice, picture, video.
In the present invention, by installing vehicle-mounted auxiliary terminal on host vehicle, so by vehicle-mounted auxiliary terminal can and
Time, accurately, understand the operation conditions of vehicle in detail, and then realize the record to vehicle real time status, prevent car owner from passing through malice
Mode forgery accident carrys out the generation of the behavior of insurance fraud.Additionally, vehicle-mounted auxiliary terminal especially by car owner's mobile terminal realize with
The vehicle insurance processing platform docking of insurance company, and then while car owner carries out Claims Resolution application, can quickly understand car accident
Details, for insurance company screen insurance fraud behavior provide complementary data support.
Accompanying drawing explanation
Fig. 1 is the high-level schematic functional block diagram that vehicle insurance of the present invention surveys aid system one embodiment；
Fig. 2 is the connection configuration diagram that vehicle insurance of the present invention surveys aid system one embodiment；
Fig. 3 is the schematic flow sheet that vehicle insurance of the present invention surveys the implementation method first embodiment of aid system；
Fig. 4 is the schematic flow sheet that vehicle insurance of the present invention surveys implementation method second embodiment of aid system.
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.
It is the high-level schematic functional block diagram that vehicle insurance of the present invention surveys aid system one embodiment with reference to Fig. 1, Fig. 1.The present embodiment
In, described vehicle insurance is surveyed aid system and is included vehicle-mounted auxiliary terminal 10, car owner's mobile terminal 20 and vehicle insurance processing platform 30.
As in figure 2 it is shown, vehicle-mounted auxiliary terminal 10 sets up communication connection by near-field communication mode with car owner's mobile terminal 20,
Car owner's mobile terminal 20 then sets up communication connection by mobile communications network with vehicle insurance processing platform 30.
Optionally, vehicle-mounted auxiliary terminal 10 can also set up communication link by mobile communications network and vehicle insurance processing platform 30
Connect.
Described vehicle-mounted auxiliary terminal 10, is arranged on vehicle and for gathering the condition information of Current vehicle；
Described car owner's mobile terminal 20, for when vehicle has an accident, obtains what described vehicle-mounted auxiliary terminal was gathered
Described condition information, and initiate vehicle insurance Claims Resolution request to described vehicle insurance processing platform, wherein, the Claims Resolution request of described vehicle insurance is at least wrapped
Include described condition information；
Described vehicle insurance processing platform 30, is used for receiving the Claims Resolution request of described vehicle insurance and preserving, and manages according to described vehicle insurance
Pay for request, generate correspondence and be in danger task, and send vehicle insurance Claims Resolution to described car owner's mobile terminal and accept information to respond described car
Danger Claims Resolution request.
In the present embodiment, vehicle-mounted auxiliary terminal 10 does not limits with the concrete connected mode of vehicle, with specific reference to be actually needed into
Row is arranged.Such as, vehicle-mounted auxiliary terminal 10 is provided with various sensor, such as acceleration transducer, gyroscope, temperature sensor
Deng, and then the condition information under the various environmental aspect of vehicle can be detected, certainly, vehicle-mounted auxiliary terminal 10 can also be led to further
Crossing and directly obtain the data that Vehicular system is gathered, such as oil consumption, tire pressure, speed, air bag open the data such as situation.
Optionally, the condition information of Current vehicle that vehicle-mounted auxiliary terminal 10 gathers at least include vehicle velocity information,
The geographical location information of vehicle, vehicle travel time traffic information, the appearance form of described traffic information at least include picture or
Video.
Additionally, in the present embodiment, car owner's mobile terminal 20 can obtain vehicle-mounted after being connected with the foundation of vehicle-mounted auxiliary terminal 10
The condition information of the vehicle recorded in auxiliary terminal 10, speed when such as obtaining before vehicle has an accident and have an accident
Road conditions etc. when change information, geographical position change information, vehicle travel.
Meanwhile, car owner's mobile terminal 20 also needs to initiate vehicle insurance Claims Resolution request to vehicle insurance processing platform 30.In the present embodiment,
Vehicle insurance Claims Resolution request needs to include the condition information of the Current vehicle that vehicle-mounted auxiliary terminal 10 gathers, consequently facilitating vehicle insurance processes
Platform 30 is while receiving vehicle insurance Claims Resolution request, it is also possible to know the details that vehicle has an accident in time.
Further alternative, the Claims Resolution request of described vehicle insurance the most also includes that car protects information, the geographical position of car owner's mobile terminal
Confidence ceases.Vehicle insurance processing platform 30 is when receiving vehicle insurance Claims Resolution request, it is possible to according to above-mentioned information, learn the insurance of correspondence in time
There is position etc. in client, information of vehicles, accident vehicle.
Further alternative, described vehicle-mounted auxiliary terminal 10 is also by according to the preset AES described situation to collecting
Information is encrypted preservation；Described vehicle insurance processing platform 30 is additionally operable to according to the decipherment algorithm corresponding to described AES, right
The described condition information of encryption is decrypted.By encryption and decryption processing, and then prevent vehicle-mounted auxiliary terminal 10 from being gathered
Data message by car owner malice distort, and then ensure the genuine and believable property of data that vehicle-mounted auxiliary terminal 10 gathers.
Additionally, in the present embodiment, vehicle insurance processing platform 30, according to vehicle insurance Claims Resolution request, generates correspondence and is in danger task, and to
Car owner's mobile terminal 20 sends vehicle insurance Claims Resolution and accepts information, to respond the vehicle insurance Claims Resolution request of car owner.
In the present embodiment, by installing vehicle-mounted auxiliary terminal on host vehicle, and then can by vehicle-mounted auxiliary terminal
In time, accurately, understand in detail the operation conditions of vehicle, and then realize the record to vehicle real time status, prevent car owner from passing through to dislike
Meaning mode forgery accident carrys out the generation of the behavior of insurance fraud.Additionally, vehicle-mounted auxiliary terminal realizes especially by car owner's mobile terminal
Dock with the vehicle insurance processing platform of insurance company, and then while car owner carries out Claims Resolution application, can quickly understand vehicle thing
Therefore details, for insurance company screen insurance fraud behavior provide complementary data support.
Optionally, in vehicle insurance of the present invention surveys aid system one embodiment, described vehicle insurance processing platform 30 is additionally operable to:
Check between the geographical location information of described vehicle and the geographical location information of described car owner's mobile terminal corresponding
Distance whether be in predeterminable range in the range of, and check the acquisition time of described condition information and the Claims Resolution request of described vehicle insurance
The difference of reception time whether in preset duration, and the result of verification is reported.
Generally insurance fraud behavior is required for simulated scene, therefore, and the primary scene necessarily causing accident to occur and the time institute that reports to the police
Corresponding is on-the-spot different, or there is time difference.In the present embodiment, based on the problems referred to above, vehicle insurance processing platform 30 is receiving
The vehicle-related condition information and the car owner that are gathered by vehicle-mounted auxiliary terminal 10 that are sent by car owner's mobile terminal 20 move
After the relevant information of terminal 20 self, the two is checked, specifically includes:
(1) distance corresponding between geographical location information and the geographical location information of car owner's mobile terminal of verification vehicle
Whether in the distance range set, within such as ten meters, the most then can determine that car owner does not forge the suspicion of place where the accident occurred
Doubt；
(2) acquisition time checking the vehicle condition information that vehicle-mounted auxiliary terminal 10 provides receives with vehicle insurance processing platform 30
The difference of time of vehicle insurance Claims Resolution request is initiated whether in preset duration to car owner's mobile terminal 20, within such as ten minutes, if
It is then to can determine that car owner does not forge the suspicion of the scene of the accident.
Further alternative, in vehicle insurance of the present invention surveys aid system one embodiment, described car owner's mobile terminal 20 is also
For:
The field accident information generated by described car owner's mobile terminal is sent to described vehicle insurance processing platform, its
In, the appearance form of described field accident information at least includes one or more in voice, picture, video.
In the present embodiment, in view of vehicle-mounted auxiliary terminal 10 can only provide some evidences that basic accident occurs to believe
Position that breath, such as accident occur, time are for carrying out the verity judgement etc. of accident, but vehicle-mounted auxiliary terminal 10 can not obtain
Get the accident information of vehicle, such as Vehicle surface present situation, damaged condition etc. of collision vehicle, therefore, can in the present embodiment
Carry out collection site accident information by car owner's mobile terminal 20 further, and be sent to vehicle insurance processing platform, such as car owner's voice
Description accident, or car owner's shooting accident picture or video etc..
It is the schematic flow sheet that vehicle insurance of the present invention surveys the implementation method first embodiment of aid system with reference to Fig. 3, Fig. 3.
In the present embodiment, described vehicle insurance is surveyed aid system and is included vehicle-mounted auxiliary terminal, car owner's mobile terminal and vehicle insurance processing platform,
Described vehicle insurance is surveyed the implementation method of aid system and is included:
Step S10, described vehicle-mounted auxiliary terminal gathers the condition information of Current vehicle, wherein, described vehicle-mounted auxiliary terminal
It is arranged on vehicle；
Step S20, when vehicle has an accident, described in described car owner's acquisition for mobile terminal, vehicle-mounted auxiliary terminal is gathered
Described condition information, and initiate vehicle insurance Claims Resolution request to described vehicle insurance processing platform, wherein, the Claims Resolution request of described vehicle insurance is at least wrapped
Include described condition information；
Step S30, described vehicle insurance processing platform receives the Claims Resolution request of described vehicle insurance and preserves, and settling a claim according to described vehicle insurance
Request, generate correspondence be in danger task and to described car owner's mobile terminal send vehicle insurance Claims Resolution accept information to respond described vehicle insurance
Claims Resolution request.
In the present embodiment, vehicle-mounted auxiliary terminal does not limits with the concrete connected mode of vehicle, carries out with specific reference to being actually needed
Arrange.Such as, vehicle-mounted auxiliary terminal is provided with various sensor, such as acceleration transducer, gyroscope, temperature sensor etc.,
And then the condition information under the various environmental aspect of vehicle can be detected, certainly, vehicle-mounted auxiliary terminal can also be further by straight
Obtaining and take the data that Vehicular system is gathered, such as oil consumption, tire pressure, speed, air bag open the data such as situation.
Optionally, the condition information of the Current vehicle of vehicle-mounted auxiliary terminal collection at least includes the velocity information of vehicle, car
Geographical location information, vehicle travel time traffic information, the appearance form of described traffic information at least includes picture or regards
Frequently.
Additionally, in the present embodiment, car owner's mobile terminal can obtain vehicle-mounted auxiliary after being connected with the foundation of vehicle-mounted auxiliary terminal
The condition information of the vehicle recorded in terminal, velocity variations letter when such as obtaining before vehicle has an accident and have an accident
Road conditions etc. when breath, geographical position change information, vehicle traveling.
Meanwhile, car owner's mobile terminal also needs to initiate vehicle insurance Claims Resolution request to vehicle insurance processing platform.In the present embodiment, vehicle insurance
Claims Resolution request needs to include the condition information of the Current vehicle that vehicle-mounted auxiliary terminal gathers, consequently facilitating vehicle insurance processing platform exists
While receiving vehicle insurance Claims Resolution request, it is also possible to know the details that vehicle has an accident in time.
Further alternative, the Claims Resolution request of described vehicle insurance the most also includes that car protects information, the geographical position of car owner's mobile terminal
Confidence ceases.Vehicle insurance processing platform is when receiving vehicle insurance Claims Resolution request, it is possible to according to above-mentioned information, learn the insurance visitor of correspondence in time
There is position etc. in family, information of vehicles, accident vehicle.
Further alternative, described vehicle-mounted auxiliary terminal also by according to preset AES to collect described situation letter
Breath is encrypted preservation；Described vehicle insurance processing platform is additionally operable to according to the decipherment algorithm corresponding to described AES, to encryption
Described condition information be decrypted.By encryption and decryption processing, and then the data preventing vehicle-mounted auxiliary terminal from being gathered are believed
Cease by car owner malice distort, and then ensure the genuine and believable property of data that vehicle-mounted auxiliary terminal gathers.
Additionally, in the present embodiment, vehicle insurance processing platform, according to vehicle insurance Claims Resolution request, generates correspondence and is in danger task, and to car
Master mobile terminal sends vehicle insurance Claims Resolution and accepts information, to respond the vehicle insurance Claims Resolution request of car owner.
In the present embodiment, by installing vehicle-mounted auxiliary terminal on host vehicle, and then can by vehicle-mounted auxiliary terminal
In time, accurately, understand in detail the operation conditions of vehicle, and then realize the record to vehicle real time status, prevent car owner from passing through to dislike
Meaning mode forgery accident carrys out the generation of the behavior of insurance fraud.Additionally, vehicle-mounted auxiliary terminal realizes especially by car owner's mobile terminal
Dock with the vehicle insurance processing platform of insurance company, and then while car owner carries out Claims Resolution application, can quickly understand vehicle thing
Therefore details, for insurance company screen insurance fraud behavior provide complementary data support.
It is the schematic flow sheet that vehicle insurance of the present invention surveys implementation method second embodiment of aid system with reference to Fig. 4, Fig. 4.
Based on above-described embodiment, in the present embodiment, also include after above-mentioned steps S30:
Step S40, described vehicle insurance processing platform checks the geographical location information of described vehicle and described car owner's mobile terminal
Geographical location information between in the range of whether corresponding distance be in predeterminable range, and check adopting of described condition information
Whether the difference of the reception time that the collection time asks with the Claims Resolution of described vehicle insurance is in preset duration, and the result of verification reported.
Generally insurance fraud behavior is required for simulated scene, therefore, and the primary scene necessarily causing accident to occur and the time institute that reports to the police
Corresponding is on-the-spot different, or there is time difference.In the present embodiment, based on the problems referred to above, vehicle insurance processing platform receive by
The vehicle-related condition information gathered by vehicle-mounted auxiliary terminal that car owner's mobile terminal is sent and car owner's mobile terminal from
After the relevant information of body, the two is checked, specifically includes:
(1) distance corresponding between geographical location information and the geographical location information of car owner's mobile terminal of verification vehicle
Whether in the distance range set, within such as ten meters, the most then can determine that car owner does not forge the suspicion of place where the accident occurred
Doubt；
(2) acquisition time checking the vehicle condition information that vehicle-mounted auxiliary terminal provides receives car with vehicle insurance processing platform
Whether the difference of the time of master mobile terminal initiation vehicle insurance Claims Resolution request, in preset duration, within such as ten minutes, the most then may be used
Determine that car owner does not forge the suspicion of the scene of the accident.
Optionally, in vehicle insurance of the present invention surveys implementation method one embodiment of aid system, when vehicle has an accident,
Described vehicle insurance is surveyed the implementation method of aid system and is also included: described car owner's mobile terminal generates the field accident information of vehicle also
Being sent to described vehicle insurance processing platform, wherein, the appearance form of described field accident information at least includes voice, picture, video
In one or more.
In the present embodiment, in view of vehicle-mounted auxiliary terminal can only provide some evidence information that basic accident occurs,
Position that such as accident occurs, time are for carrying out the verity judgement etc. of accident, but vehicle-mounted auxiliary terminal can not get
The accident information of vehicle, such as Vehicle surface present situation, the damaged condition colliding vehicle etc., therefore, the present embodiment can enter one
Step carrys out collection site accident information by car owner's mobile terminal, and is sent to vehicle insurance processing platform, and such as car owner's voice describes thing
Therefore, or car owner's shooting accident picture or video etc..
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 surveys aid system, it is characterised in that described vehicle insurance is surveyed aid system and included vehicle-mounted auxiliary terminal, car
Master mobile terminal and vehicle insurance processing platform；
Described vehicle-mounted auxiliary terminal, is arranged on vehicle and for gathering the condition information of Current vehicle；
Described car owner's mobile terminal, for when vehicle has an accident, obtains the described shape that described vehicle-mounted auxiliary terminal is gathered
Condition information, and initiate vehicle insurance Claims Resolution request to described vehicle insurance processing platform, wherein, the Claims Resolution request of described vehicle insurance at least includes described
Condition information；
Described vehicle insurance processing platform, is used for receiving the Claims Resolution request of described vehicle insurance and preserving, and according to the Claims Resolution request of described vehicle insurance,
Generate correspondence to be in danger task, and to described car owner's mobile terminal send vehicle insurance Claims Resolution accept information with respond the Claims Resolution of described vehicle insurance please
Ask.
2. vehicle insurance as claimed in claim 1 surveys aid system, it is characterised in that described condition information at least includes vehicle
Traffic information when velocity information, the geographical location information of vehicle, vehicle travel, the appearance form of described traffic information at least wraps
Include picture or video；The Claims Resolution request of described vehicle insurance the most also includes that the geographical position letter of information, described car owner's mobile terminal protected by car
Breath.
3. vehicle insurance as claimed in claim 2 surveys aid system, it is characterised in that described vehicle insurance processing platform is additionally operable to:
Check between the geographical location information of described vehicle and the geographical location information of described car owner's mobile terminal corresponding away from
In the range of whether being in predeterminable range, and check the acquisition time of described condition information and connecing of described vehicle insurance Claims Resolution request
Whether the difference between the time receiving is in preset duration, and the result of verification reported.
4. the vehicle insurance as according to any one of claim 1-3 surveys aid system, it is characterised in that described vehicle-mounted auxiliary terminal
It is additionally operable to: according to preset AES, the described condition information collected is encrypted preservation；
Described vehicle insurance processing platform is additionally operable to: according to the decipherment algorithm corresponding to described AES, the described situation to encryption
Information is decrypted.
5. vehicle insurance as claimed in claim 4 surveys aid system, it is characterised in that described car owner's mobile terminal is additionally operable to:
The field accident information generated by described car owner's mobile terminal is sent to described vehicle insurance processing platform, wherein, institute
The appearance form stating field accident information at least includes one or more in voice, picture, video.
6. a vehicle insurance surveys the implementation method of aid system, it is characterised in that described vehicle insurance is surveyed aid system and included vehicle-mounted
Assisting terminal, car owner's mobile terminal and vehicle insurance processing platform, described vehicle insurance is surveyed the implementation method of aid system and is included:
Described vehicle-mounted auxiliary terminal gathers the condition information of Current vehicle, and wherein, described vehicle-mounted auxiliary terminal is arranged on vehicle；
When vehicle has an accident, the described situation letter that vehicle-mounted auxiliary terminal described in described car owner's acquisition for mobile terminal is gathered
Breath, and initiate vehicle insurance Claims Resolution request to described vehicle insurance processing platform, wherein, the Claims Resolution request of described vehicle insurance at least includes described situation
Information；
Described vehicle insurance processing platform receives the Claims Resolution request of described vehicle insurance and preserves, and according to the Claims Resolution request of described vehicle insurance, it is right to generate
Task of should being in danger and to described car owner's mobile terminal send vehicle insurance Claims Resolution accept information with respond described vehicle insurance Claims Resolution request.
7. vehicle insurance as claimed in claim 6 surveys the implementation method of aid system, it is characterised in that described condition information is at least
Including the velocity information of vehicle, the geographical location information of vehicle, vehicle travels time traffic information, presenting of described traffic information
Form at least includes picture or video；The Claims Resolution request of described vehicle insurance the most also includes that car protects information, described car owner's mobile terminal
Geographical location information.
8. vehicle insurance as claimed in claim 7 surveys the implementation method of aid system, it is characterised in that described vehicle insurance processing platform
After receiving the Claims Resolution request of described vehicle insurance, described vehicle insurance is surveyed the implementation method of aid system and is also included:
Described vehicle insurance processing platform checks the geographical location information of described vehicle and the geographical position letter of described car owner's mobile terminal
In the range of whether distance corresponding between breath is in predeterminable range, and check the acquisition time of described condition information with described
Whether the difference of the reception time of vehicle insurance Claims Resolution request is in preset duration, and the result of verification reported.
9. the vehicle insurance as according to any one of claim 6-8 surveys the implementation method of aid system, it is characterised in that described car
Carrying after assisting terminal to collect described condition information, described vehicle insurance is surveyed the implementation method of aid system and is also included:
Described vehicle-mounted auxiliary terminal is encrypted preservation according to preset AES to the described condition information collected；
After described vehicle insurance processing platform receives the Claims Resolution request of described vehicle insurance, described vehicle insurance surveys the implementation method of aid system also
Including:
The described condition information of encryption, according to the decipherment algorithm corresponding to described AES, is carried out by described vehicle insurance processing platform
Deciphering.
10. vehicle insurance as claimed in claim 4 surveys the implementation method of aid system, it is characterised in that have an accident at vehicle
Time, described vehicle insurance surveys the implementation method of aid system and also includes:
Described car owner's mobile terminal generates the field accident information of vehicle and is sent to described vehicle insurance processing platform, wherein, described
The appearance form of field accident information at least includes one or more in voice, picture, video.
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| CN201610629909.2A CN106327336A (en) | 2016-08-03 | 2016-08-03 | Vehicle insurance survey assisting system and realization method therefor |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610629909.2A CN106327336A (en) | 2016-08-03 | 2016-08-03 | Vehicle insurance survey assisting system and realization method therefor |
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Cited By (12)
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| CN106897845A (en) * | 2017-04-11 | 2017-06-27 | 武汉华创欣网科技有限公司 | A kind of online accident solution of vehicle insurance and system |
| CN107067328A (en) * | 2017-04-11 | 2017-08-18 | 武汉华创欣网科技有限公司 | A kind of mobile phone shoots and uploads evidence-obtaining photograph or the vehicle insurance of video Claims Resolution integrated system |
| CN107622448A (en) * | 2017-08-28 | 2018-01-23 | 武汉六点整北斗科技有限公司 | The insurance verification method and Related product of a kind of traffic accident |
| CN107657047A (en) * | 2017-10-10 | 2018-02-02 | 民太安财产保险公估股份有限公司 | Insurance Fraud method for detecting and system |
| CN107886436A (en) * | 2017-11-08 | 2018-04-06 | 广东翼卡车联网服务有限公司 | Method, storage medium and the car-mounted terminal that a kind of car insurance is settled a claim automatically |
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| CN108877235A (en) * | 2017-05-16 | 2018-11-23 | 北京嘀嘀无限科技发展有限公司 | Compensation method, compensation device and electronic equipment |
| CN109389509A (en) * | 2017-08-04 | 2019-02-26 | 青岛汎瑞淇工贸有限公司 | A kind of dedicated auxiliary monitoring device of insurance business and method |
| CN107622448A (en) * | 2017-08-28 | 2018-01-23 | 武汉六点整北斗科技有限公司 | The insurance verification method and Related product of a kind of traffic accident |
| CN107657047A (en) * | 2017-10-10 | 2018-02-02 | 民太安财产保险公估股份有限公司 | Insurance Fraud method for detecting and system |
| CN107886436A (en) * | 2017-11-08 | 2018-04-06 | 广东翼卡车联网服务有限公司 | Method, storage medium and the car-mounted terminal that a kind of car insurance is settled a claim automatically |
| CN108428185A (en) * | 2017-12-15 | 2018-08-21 | 中国平安财产保险股份有限公司 | Method and server are surveyed in vehicle insurance Claims Resolution |
| CN108734593A (en) * | 2018-05-15 | 2018-11-02 | 中国平安人寿保险股份有限公司 | Life insurance is reported a case to the security authorities method, apparatus, computer equipment and readable storage medium storing program for executing |
| CN109816141A (en) * | 2018-12-13 | 2019-05-28 | 平安科技（深圳）有限公司 | Product data prediction technique, device, computer equipment based on data analysis |
| CN110022355A (en) * | 2019-03-04 | 2019-07-16 | 阿里巴巴集团控股有限公司 | The storage method of environmental data, verification method and apparatus under special scenes |
| CN110022355B (en) * | 2019-03-04 | 2021-08-03 | 创新先进技术有限公司 | Storage method, verification method and equipment of environment data in specific scene |
| CN116308434A (en) * | 2023-05-12 | 2023-06-23 | 杭州大鱼网络科技有限公司 | Insurance fraud identification method and system |
| CN116308434B (en) * | 2023-05-12 | 2023-08-11 | 杭州大鱼网络科技有限公司 | Insurance fraud identification method and system |
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