CN106448215A - Vehicle insurance claiming warning method and vehicle insurance claiming warning device - Google Patents
Vehicle insurance claiming warning method and vehicle insurance claiming warning device Download PDFInfo
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- CN106448215A CN106448215A CN201610686271.6A CN201610686271A CN106448215A CN 106448215 A CN106448215 A CN 106448215A CN 201610686271 A CN201610686271 A CN 201610686271A CN 106448215 A CN106448215 A CN 106448215A
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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
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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Abstract
The invention discloses a vehicle insurance claiming warning method and a vehicle insurance claiming warning device. The method comprises the following steps: when detecting a vehicle insurance claiming warning instruction, getting the current location of a vehicle for car insurance service; getting a transport line and intersections within a preset distance from the current position, and getting information about vehicle insurance claiming events which are related to the transport line and the intersections and happened within a preset time in the past; calculating the compensation pay-out generated due to traffic accidents on each road section of the transport line and at each intersection according to the vehicle insurance claiming event information; taking the road sections of the transport line and/or the intersections, which meet the condition that the compensation pay-out generated due to traffic accidents is greater than a preset amount of money, as risk areas; and outputting warning information corresponding to the risk areas. The possibility that the staff get to a traffic accident site more quickly to handle the accident and ease the traffic in time is improved, and long-time traffic jam caused by traffic accidents is avoided greatly.
Description
Technical field
The present invention relates to intelligent automobile technical field, more particularly to a kind of vehicle insurance Claims Resolution method for early warning and device.
Background technology
In recent years, developing rapidly with social economy, the social activity of people is increasingly 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 current major part city, particularly small and medium cities, Transport Facility Construction imperfection, roading and wagon flow practical situation
Mismatch, also increase the probability of happening of people's car accident, car and car accident.
After it 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 vehicle insurance Claims Resolution staff to come to process, vehicle below just started lane change, jump a queue, detour, the action such as emergency brake, sternly
Reduce road passage capability again, cause congestion in road.But, the vehicle due to vehicle insurance Claims Resolution staff's driving cannot be substantially
Infer that vehicle accident occurs position, it is likely that need the vehicle for being used in vehicle insurance Claims Resolution service to get to through the long period
There is position in vehicle accident, cause vehicle accident that position long-time congestion occurs.
Content of the invention
Present invention is primarily targeted at providing a kind of vehicle insurance Claims Resolution method for early warning and device, it is intended to solve existing vehicle insurance reason
The vehicle for paying for service cannot substantially infer that vehicle accident occurs position, cause vehicle accident that the technology of position long-time congestion occurs
Problem.
For achieving the above object, the present invention provides a kind of vehicle insurance Claims Resolution method for early warning, the vehicle insurance Claims Resolution method for early warning bag
Include：
When vehicle insurance Claims Resolution alarm command is detected, the current location of the vehicle for servicing of settling a claim for vehicle insurance is obtained；
Traffic route and intersection in the predeterminable range of current location is obtained, and the traffic is obtained from vehicle insurance Claims Resolution center
Circuit and vehicle insurance that past preset duration in occur related with intersection is settled a claim event information；
According to vehicle insurance Claims Resolution event information, count and hand over each intersection in each section of the traffic route
Amount for which loss settled produced by interpreter's event；
To there is section and/or crossroad of the amount for which loss settled produced by vehicle accident more than the traffic route of preset cost
Mouth is used as risk zones；
The corresponding early warning information of output risk zones, the early warning information includes the positional information at risk zones place, warning
The vehicle driver pays close attention to the information warning of risk zones.
Preferably, also include after the step of the output risk zones corresponding early warning information：
The current running information of the vehicle, and the current location according to vehicle and running information is obtained, generates vehicle
Prediction wheelpath；
When the prediction wheelpath of vehicle is through risk zones, vehicle drive information is exported.
Preferably, described when the prediction wheelpath of vehicle is through risk zones, export vehicle drive information
Step includes：
According to vehicle insurance Claims Resolution event information, the number of times that each risk zones occurs vehicle accident is obtained, 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 bypasses the car in high risk area
Drive information.
Preferably, described according to vehicle insurance Claims Resolution event information, the number of times of each risk zones generation vehicle accident is obtained, and
Risk zones of the number of times that vehicle accident occurs more than preset times are also included as after the step of high risk region：
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 are the number of times that vehicle accident occurs less than or equal to the risk zones of preset times.
Preferably, the running information includes history wheelpath, driving azimuth, road speed, described according to vehicle
Current location and running information, generate vehicle prediction wheelpath the step of include：
According to driving azimuth and the road speed of vehicle, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
For achieving the above object, the present invention provides a kind of vehicle insurance Claims Resolution prior-warning device, the vehicle insurance Claims Resolution early warning dress
Put including：
Position acquisition module, for when vehicle insurance Claims Resolution alarm command is detected, obtaining the car of service of settling a claim for vehicle insurance
Current location；
Data obtaining module, for obtaining traffic route and intersection in the predeterminable range of current location, and manages from vehicle insurance
Compensation center obtains that the traffic route is related with intersection and vehicle insurance Claims Resolution event that occur in past preset duration is believed
Breath；
Statistical module, for being settled a claim event information according to vehicle insurance, count each section of the traffic route and each
There is the amount for which loss settled produced by vehicle accident in intersection；
, will there is section of the amount for which loss settled produced by vehicle accident more than the traffic route of preset cost in definition module
And/or intersection is used as risk zones；
Early warning output module, for exporting the corresponding early warning information of risk zones, the early warning information includes risk zones institute
Positional information, warn the vehicle driver to pay close attention to the information warning of risk zones.
Preferably, the vehicle insurance Claims Resolution prior-warning device also includes：
Track Pick-up module, the running information current for obtaining vehicle, and the current location according to vehicle and driving letter
Breath, generates the prediction wheelpath of vehicle；
Prompting output module, for when the prediction wheelpath of vehicle is through risk zones, output vehicle drive is pointed out
Information.
Preferably, the prompting output module is additionally operable to：
According to vehicle insurance Claims Resolution event information, the number of times that each risk zones occurs vehicle accident is obtained, 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 bypasses the car in high risk area
Drive information.
Preferably, the 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 are the number of times that vehicle accident occurs less than or equal to the risk zones of preset times.
Preferably, the running information includes history wheelpath, driving azimuth, road speed, the Track Pick-up
Module is used for：
According to driving azimuth and the road speed of vehicle, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
The present invention is by when vehicle insurance Claims Resolution alarm command is detected, obtaining the current of the vehicle for vehicle insurance Claims Resolution service
Position；Traffic route and intersection in the predeterminable range of current location is obtained, and the traffic line is obtained from vehicle insurance Claims Resolution center
Road and vehicle insurance that past preset duration in occur related with intersection is settled a claim event information；According to vehicle insurance Claims Resolution event letter
Breath, counts, in each section of the traffic route, the amount for which loss settled produced by vehicle accident occurs with each intersection；Will
Amount for which loss settled produced by generation vehicle accident is more than the section of the traffic route of preset cost and/or intersection as risk
Region；The corresponding early warning information of output risk zones, makes vehicle insurance Claims Resolution staff can be known occur vehicle accident probability higher
Risk zones position, you can substantially infer vehicle accident occur position, so as to staff can drive for vehicle insurance manage
The vehicle for paying for service is travelled near risk zones or is awaited orders, and can be arrived more quickly at vehicle accident when there is vehicle accident and be sent out
Raw position, improves staff and faster reaches vehicle accident and position occurs with timely process accident, the probability for relieving traffic congestion, greatly
Amplitude avoids the long-time traffic congestion for causing because there is vehicle accident.
Description of the drawings
Fig. 1 is the schematic flow sheet of vehicle insurance of the present invention Claims Resolution one embodiment of method for early warning；
Fig. 2 is the schematic flow sheet of the another embodiment of vehicle insurance of the present invention Claims Resolution method for early warning；
Fig. 3 is the refinement schematic flow sheet of mono- embodiment of step S52 in Fig. 2；
Fig. 4 is the high-level schematic functional block diagram of vehicle insurance of the present invention Claims Resolution one embodiment of prior-warning device；
Fig. 5 is the high-level schematic functional block diagram of the another embodiment of vehicle insurance of the present invention Claims Resolution prior-warning device.
The realization of the object of the invention, functional characteristics and advantage will be described further in conjunction with the embodiments referring to the drawings.
Specific embodiment
It should be appreciated that specific embodiment described herein is not intended to limit the present invention only in order to explain 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 one embodiment of method for early warning, ginseng
According to Fig. 1, the vehicle insurance Claims Resolution method for early warning includes：
Step S10, when vehicle insurance Claims Resolution alarm command is detected, obtains the present bit of the vehicle for servicing of settling a claim for vehicle insurance
Put；
Vehicle insurance Claims Resolution alarm command can be that vehicle is voluntarily generated, and (vehicle is all such as to start vehicle in user (as car owner)
Refer to the vehicle for servicing of settling a claim for vehicle) when, vehicle voluntarily generates vehicle insurance Claims Resolution alarm command；Vehicle insurance Claims Resolution alarm command also may be used
To be user input, for example, drive in vehicle travel process in user, user needs vehicle to provide and prompting is driven, start vehicle and drive
Sail indoor setting function key when, for vehicle insurance settle a claim service vehicle generate vehicle insurance settle a claim alarm command.
When the car-mounted terminal of 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 from vehicle insurance Claims Resolution center acquisition
The traffic route and vehicle insurance that past preset duration in occur related with intersection is settled a claim event 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 vehicle that can pass through road；Intersection includes crossroad, T-shaped road junction, annular multilane road
Mouthful etc..Typically there is urban traffic map in the car-mounted terminal of vehicle, urban traffic map includes each traffic route and friendship
Cross road mouth, centered on the current location being located by vehicle, obtains current location circumference predeterminable range (as predeterminable range is 1 kilometer)
Interior all traffic routes and intersection.
When occurring people's car accident and car with car accident, vehicle insurance Claims Resolution staff understands the very first time and rushes towards scene and enter to act
Part is processed 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 multi-party personnel identity of driving, passenger body
Part, pedestrian's identity etc.；Information of vehicles includes that the vehicle of the case-involving vehicle of accident damages degree, license plate number, vehicle model etc.；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
Square information etc.；The accident that casualty situations includes causes the death toll of personnel, number of injured people etc..Vehicle insurance Claims Resolution temporal information is typically protected
Exist on the server (i.e. vehicle insurance Claims Resolution center) that all insurance companies or insurer can inquire about.
The car-mounted terminal of vehicle is being got in the predeterminable range of current location behind traffic route and intersection, is managed from vehicle insurance
The traffic route and vehicle accident pair that past preset duration in occur related with intersection of acquisition is downloaded at compensation center in real time
The vehicle insurance Claims Resolution event information that answers, that is, obtain and occur in the traffic for obtaining in past preset duration (in month for for example passing by)
The corresponding vehicle insurance of the vehicle accident of circuit and intersection is settled a claim event information.
Step S30, according to vehicle insurance Claims Resolution event information, counts each section and each crossroad in the traffic route
There is the amount for which loss settled produced by vehicle accident in mouth；
In urban transportation in figure, each traffic route is divided into multiple sections according to factors such as distance, landform, place names, each
Section and intersection are provided with corresponding numbering, according to the vehicle insurance Claims Resolution event information for obtaining, count in past preset duration
There is the amount for which loss settled produced by vehicle accident in each section of inherent traffic route and each intersection, traffic wherein occurs
Amount for which loss settled produced by accident is more, shows that the accident rate that corresponding road section or intersection vehicle were opened is higher.
Step S40, by occur vehicle accident produced by amount for which loss settled more than preset cost traffic route section and/
Or intersection is used as risk zones；
The numerical values recited of preset cost can be set according to demand, and the driver (as car owner) of such as vehicle is that have to drive for many years
The old driver for sailing experience, control ability to vehicle and stronger to real-time road ability to predict, then preset cost suitably can increase；
The current location of such as vehicle is in western remote districts, and road is wider, vehicle is less, then preset cost also suitably can increase.
Each section and each intersection are occurred the amount for which loss settled produced by vehicle accident to be compared with preset cost, will be occurred
Amount for which loss settled produced by vehicle accident is more than the section of the traffic route of preset cost and/or intersection as risk area
Domain, risk zones show to travel with certain risk in this region, have higher accident rate compared to normal areas,
Wherein, normal areas are the section for the amount for which loss settled produced by vehicle accident occurring less than or equal to the traffic route of preset cost
And/or intersection.
Step S50, the corresponding early warning information of output risk zones, the early warning information includes the position letter that risk zones are located
Cease, warn the vehicle driver to pay close attention to the information warning of risk zones.
After risk zones are determined, export the positional information at risk zones place and the warning vehicle driver pays close attention to wind
The information warning in danger zone domain, the risk zones institute that vehicle insurance Claims Resolution staff can be known occurs vehicle accident probability higher is in place
Putting, you can substantially infer that vehicle accident occurs position, can drive so as to staff and the vehicle for servicing be settled a claim in wind for vehicle insurance
Dangerous areas adjacent is travelled or is awaited orders, and can arrive more quickly at vehicle accident when there is vehicle accident and position occurs, improve work
Making personnel and vehicle accident generation position is faster reached with timely process accident, the probability for relieving traffic congestion, significantly avoids because occurring
Vehicle accident and the long-time traffic congestion that causes.
In the present embodiment, by when vehicle insurance Claims Resolution alarm command is detected, obtaining the car of service of settling a claim for vehicle insurance
Current location；Traffic route and intersection in the predeterminable range of current location is obtained, and institute is obtained from vehicle insurance Claims Resolution center
State traffic route and vehicle insurance Claims Resolution event information that past preset duration in occur related with intersection；Managed according to vehicle insurance
Event information is paid for, is counted, in each section of the traffic route, the Claims Resolution produced by vehicle accident occurs with each intersection
The amount of money；To there is section and/or intersection of the amount for which loss settled produced by vehicle accident more than the traffic route of preset cost
As risk zones；The corresponding early warning information of output risk zones, makes vehicle insurance Claims Resolution staff can be known that vehicle accident to occur
The higher risk zones position of probability, you can substantially infer that vehicle accident occurs position, can drive use so as to staff
Travelling near risk zones in the vehicle of vehicle insurance Claims Resolution service or await orders, friendship can be arrived more quickly at 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 the current location according to vehicle and running information, generates car
Prediction wheelpath；
Obtain the running information of vehicle, it is contemplated that the primary wheelpath of vehicle is drawn, then rising primary wheelpath
Top is connected with current location, so as to generate the prediction wheelpath of vehicle.
Specifically, running information includes history wheelpath, driving azimuth, road speed,
Step S51 includes：
According to driving azimuth and the road speed of vehicle, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
Supplemented by assistant solve the above, in order to specific embodiment illustrate, according to driving azimuth and the driving of vehicle
Speed, obtains setting the primary wheelpath in prediction duration apart from current time, is calculated according to history wheelpath and prolonged
Wheelpath is stretched, and primary wheelpath is taken with the intermediate track for extending between wheelpath as prediction wheelpath, mid-rail
Mark is track midpoint line, the track midpoint for primary wheelpath with extend wheelpath in Each point in time two corresponding
The midpoint of point line.
Step S52, when the prediction wheelpath of vehicle is through risk zones, exports vehicle drive information.
After risk zones are determined, the vehicle drive information related to risk zones, vehicle drive prompting letter is exported
Breath may include audio frequency, video, vibrations, one or more in picture.After the prediction wheelpath for generating vehicle, vehicle is judged
Prediction wheelpath whether through risk zones, when the prediction wheelpath of vehicle is judged through risk zones, show car
The probability that people's car accident, car and car accident occur will improve, export vehicle drive information, to remind vehicle drive
Member cheers up attention road conditions to avoid accident from occurring.
Preferably, with reference to Fig. 3, step S52 includes：
Step S521, according to vehicle insurance Claims Resolution event information, obtains the number of times that each risk zones occurs 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；
According to the corresponding section numbering of risk zones or crossing numbering, preset duration in the past is obtained from vehicle insurance Claims Resolution center
Interior vehicle insurance Claims Resolution event information, according to vehicle insurance Claims Resolution event information, obtains each risk zones and the secondary of vehicle accident occurs
Number, the number of times that each risk zones occurs vehicle accident is compared with preset times, will be big for the number of times that vehicle accident occurs
In preset times risk zones as high risk region.The number of times of generation vehicle accident can be by the number of times for carrying out vehicle insurance Claims Resolution
Draw.When certain risk area occurs the number of times of vehicle accident more, show that the vehicle accident that this risk zones occurs is more serious, should
The number of times that vehicle accident occurs can be that the number of times of all vehicle accidents for occurring in the risk zones in past preset duration is total
With.
Step S522, when the prediction wheelpath of vehicle is through high risk region, output prompting user bypasses high-risk
The vehicle drive information of risk zones.
When the prediction wheelpath of vehicle being judged through high risk region, show generation people's car accident, the car of vehicle
Significantly lifted with the probability of car accident, remind vehicle driver to cheer up attention road conditions, careful driving not enough, need defeated
The vehicle drive information for going out to point out user to bypass high risk region, that is, remind vehicle driver to bypass high risk area
Domain, such as provides the traffic route that another kind arrived at and effectively circumvented high risk region, to stop high risk area is overseas
Stay or travel, so as to avoid user that the excessive risk that people's car accident, car and car accident occur is undertaken, improve the safety of vehicle drive
Property.Meanwhile, the vehicle flowrate in high risk region is also reduced, is reduced indirectly 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 including 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 be occur vehicle accident number of times less than or equal to preset times wind
Danger zone domain.
Ordinary risk region be the number of times that vehicle accident occurs less than or equal to the risk zones of preset times, when detecting
The prediction wheelpath of vehicle shows that driver drives vehicle when ordinary risk region, needs when ordinary risk region
It is noted that road conditions, careful driving, it is possible to be prevented effectively from the generation of vehicle accident, so now output prompting user's careful driving
Vehicle drive information, the such as voice message of output " careful driving, note road conditions ", so as to avoid user from undertaking generation people
The excessive risk of car accident, car and car accident, improves the safety of vehicle drive.Meanwhile, if the driver of all vehicles is in warp
When ordinary risk region is crossed, road conditions, careful driving can be noted, the probability of ordinary risk region generation vehicle accident also can be significantly
Degree reduces, and so as to both realize the early warning of the related risk zones of vehicle Claims Resolution, also ensure that vehicle insurance Claims Resolution service special-purpose vehicle
Traffic safety.
The present invention also provides 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, services for when vehicle insurance Claims Resolution alarm command is detected, obtaining settles a claim for vehicle insurance
The current location of vehicle；
Vehicle insurance Claims Resolution alarm command can be that vehicle is voluntarily generated, and (vehicle is all such as to start vehicle in user (as car owner)
Refer to the vehicle for servicing of settling a claim for vehicle) when, vehicle voluntarily generates vehicle insurance Claims Resolution alarm command；Vehicle insurance Claims Resolution alarm command also may be used
To be user input, for example, drive in vehicle travel process in user, user needs vehicle to provide and prompting is driven, start vehicle and drive
Sail indoor setting function key when, for vehicle insurance settle a claim service vehicle generate vehicle insurance settle a claim 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, for obtaining traffic route and intersection in the predeterminable range of current location, and from vehicle insurance
Claims Resolution center obtains the traffic route and vehicle insurance Claims Resolution event that past preset duration in occur related with intersection
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 vehicle that can pass through road；Intersection includes crossroad, T-shaped road junction, annular multilane road
Mouthful etc..Typically there is urban traffic map in the car-mounted terminal of vehicle, urban traffic map includes each traffic route and friendship
Cross road mouth, centered on the current location being located by vehicle, obtains current location circumference predeterminable range (as predeterminable range is 1 kilometer)
Interior all traffic routes and intersection.
When occurring people's car accident and car with car accident, vehicle insurance Claims Resolution staff understands the very first time and rushes towards scene and enter to act
Part is processed 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 multi-party personnel identity of driving, passenger body
Part, pedestrian's identity etc.；Information of vehicles includes that the vehicle of the case-involving vehicle of accident damages degree, license plate number, vehicle model etc.；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
Square information etc.；The accident that casualty situations includes causes the death toll of personnel, number of injured people etc..Vehicle insurance Claims Resolution temporal information is typically protected
Exist on the server (i.e. vehicle insurance Claims Resolution center) that all insurance companies or insurer can inquire about.
Data obtaining module 20 is being got in the predeterminable range of current location behind traffic route and intersection, is managed from vehicle insurance
The traffic route and vehicle accident pair that past preset duration in occur related with intersection of acquisition is downloaded at compensation center in real time
The vehicle insurance Claims Resolution event information that answers, that is, obtain and occur in the traffic for obtaining in past preset duration (in month for for example passing by)
The corresponding vehicle insurance of the vehicle accident of circuit and intersection is settled a claim event information.
Statistical module 30, for being settled a claim event information according to vehicle insurance, counts in each section of the traffic route and each
There is the amount for which loss settled produced by vehicle accident in individual intersection；
In urban transportation in figure, each traffic route is divided into multiple sections according to factors such as distance, landform, place names, each
Section and intersection are provided with corresponding numbering, and statistical module 30 is counted in mistake according to the vehicle insurance Claims Resolution event information for obtaining
Go to interior each section in traffic route of preset duration and each intersection that the amount for which loss settled produced by vehicle accident occurs, its
Amount for which loss settled produced by middle generation vehicle accident is more, shows the accident rate that corresponding road section or intersection vehicle were opened
Higher.
, will there is section of the amount for which loss settled produced by vehicle accident more than the traffic route of preset cost in definition module 40
And/or intersection is used as risk zones；
The numerical values recited of preset cost can be set according to demand, and the driver (as car owner) of such as vehicle is that have to drive for many years
The old driver for sailing experience, control ability to vehicle and stronger to real-time road ability to predict, then preset cost suitably can increase；
The current location of such as vehicle is in western remote districts, and road is wider, vehicle is less, then preset cost also suitably can increase.
Each section and each intersection the amount for which loss settled produced by vehicle accident to carry out with preset cost by definition module 40 occur
Relatively, will there is section and/or intersection of the amount for which loss settled produced by vehicle accident more than the traffic route of preset cost
Used as risk zones, risk zones show to travel with certain risk in this region, have compared to normal areas higher
Accident rate, wherein, normal areas are the friendship for the amount for which loss settled produced by vehicle accident occurring less than or equal to preset cost
The section of logical circuit and/or intersection.
Early warning output module 50, for exporting the corresponding early warning information of risk zones, the early warning information includes risk zones
The positional information at place, the warning vehicle driver pay close attention to the information warning of risk zones.
Early warning output module 50, after risk zones are determined, positional information and the warning for exporting risk zones place is described
The information warning of vehicle driver's concern risk zones, vehicle insurance Claims Resolution staff can be known occurs vehicle accident probability higher
Risk zones position, you can substantially infer that vehicle accident occurs position, can drive so as to staff and settle a claim for vehicle insurance
The vehicle of service is travelled near risk zones or is awaited orders, and can arrive more quickly at vehicle accident generation when there is vehicle accident
Position, improves staff and faster reaches vehicle accident and position occurs with timely process accident, the probability for relieving traffic congestion, significantly
Degree avoids the long-time traffic congestion for causing because there is vehicle accident.
In the present embodiment, by position acquisition module 10 when vehicle insurance Claims Resolution alarm command is 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 the traffic route and past preset duration in generation related with intersection is obtained from vehicle insurance Claims Resolution center
Vehicle insurance Claims Resolution event information；Statistical module 30 counts each section in the traffic route according to vehicle insurance Claims Resolution event information
There is the amount for which loss settled produced by vehicle accident with each intersection；Definition module 40 will occur the reason produced by vehicle accident
The compensation amount of money is more than the section of the traffic route of preset cost and/or intersection as risk zones；Early warning output module 50 is defeated
Go out the corresponding early warning information of risk zones, make vehicle insurance Claims Resolution staff can be known that the higher risk area of vehicle accident probability to occur
Domain position, you can substantially infer that vehicle accident occurs position, can drive for vehicle insurance Claims Resolution service so as to staff
Vehicle is travelled near risk zones or is awaited orders, and can arrive more quickly at vehicle accident when there is vehicle accident and position occurs,
Improve staff and vehicle accident generation position is faster reached with timely process accident, the probability for relieving traffic congestion, significantly keeps away
Exempt from the long-time traffic congestion for causing because there is vehicle accident.
Further, with reference to Fig. 5, the vehicle insurance Claims Resolution prior-warning device also includes：
Track Pick-up module 51, the running information current for obtaining vehicle, and the current location according to 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, so as to generate the prediction wheelpath of vehicle.
Specifically, running information includes history wheelpath, driving azimuth, road speed, the Track Pick-up module
51 are used for：
According to driving azimuth and the road speed of vehicle, obtain setting the primary row in prediction duration apart from current time
Wheel paths；
Extend history wheelpath to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
Supplemented by assistant solve the above, in order to specific embodiment illustrate, Track Pick-up module 51 is according to the row of vehicle
Car azimuth and road speed, obtain setting the primary wheelpath in prediction duration, Track Pick-up module apart from current time
51 obtain extending wheelpath according to the reckoning of history wheelpath, take the centre between primary wheelpath and extension wheelpath
Track is used as prediction wheelpath, and it is primary wheelpath and extension row that intermediate track is track midpoint line, the track midpoint
The midpoint of wheel paths two corresponding point lines in Each point in time.
Prompting output module 52, for when the prediction wheelpath of vehicle is through risk zones, output vehicle drive is carried
Show information.
After risk zones are determined, the vehicle drive information related to risk zones, vehicle drive prompting letter is exported
Breath may include audio frequency, video, vibrations, one or more in picture.After the prediction wheelpath for generating vehicle, output is pointed out
Whether module 52 judges the prediction wheelpath of vehicle through risk zones, when the prediction wheelpath of judgement vehicle is through risk
During region, show that the probability that people's car accident, car and car accident occur of vehicle will be improved, vehicle drive information exported,
To remind vehicle driver to cheer up attention road conditions to avoid accident from occurring.
Preferably, prompting output module 52 is additionally operable to：
According to vehicle insurance Claims Resolution event information, the number of times that each risk zones occurs vehicle accident is obtained, 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 bypasses the car in high risk area
Drive information.
According to the corresponding section numbering of risk zones or crossing numbering, preset duration in the past is obtained from vehicle insurance Claims Resolution center
Interior vehicle insurance Claims Resolution event information, points out output module 52 according to vehicle insurance Claims Resolution event information, obtains each risk zones and send out
The number of times of raw vehicle accident, points out output module 52 to carry out the number of times that each risk zones occurs vehicle accident 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.Generation vehicle accident
Number of times can be drawn by the number of times for carrying out vehicle insurance Claims Resolution.When certain risk area occurs the number of times of vehicle accident more, show this wind
The vehicle accident that danger zone domain occurs is more serious, and the number of times of the generation vehicle accident can be the risk zones in the past preset duration
The number of times summation of all vehicle accidents of middle generation.
When the prediction wheelpath of vehicle being judged through high risk region, show generation people's car accident, the car of vehicle
Significantly lifted with the probability of car accident, remind vehicle driver to cheer up attention road conditions, careful driving not enough, need to carry
Show that output module 52 exports prompting user and bypasses the vehicle drive information in high risk region, that is, remind vehicle driver around
High-risk risk zones are crossed, such as the traffic route that another kind arrived at and effectively circumvented high risk region is provided, with height
Stop outside risk zones or travel, so as to avoid user that the excessive risk that people's car accident, car and car accident occur is undertaken, improve car
Drive safety.Meanwhile, the vehicle flowrate in high risk region is also reduced, reduces indirectly the generation of high risk region
The probability of vehicle accident, As time goes on, 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 are the number of times that vehicle accident occurs less than or equal to the risk zones of preset times.
Ordinary risk region be the number of times that vehicle accident occurs less than or equal to the risk zones of preset times, when detecting
The prediction wheelpath of vehicle shows that driver drives vehicle when ordinary risk region, needs when ordinary risk region
It is noted that road conditions, careful driving, it is possible to be prevented effectively from the generation of vehicle accident, so now the output of prompting output module 52 is carried
Show the vehicle drive information of user's careful driving, such as the voice message of output " careful driving, attention road conditions ", so as to avoid
User undertakes the excessive risk that people's car accident, car and car accident occur, and improves the safety of vehicle drive.Meanwhile, if all cars
Driver when through ordinary risk region, can note road conditions, careful driving, there is vehicle accident in ordinary risk region
Probability can also be greatly lowered, so as to both realize the early warning of the related risk zones of vehicle Claims Resolution, also ensure that vehicle insurance is settled a claim
The traffic safety of service special-purpose vehicle.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform by software to realize, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
The part for going out contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (as ROM/RAM, magnetic disc, CD), use so that a station terminal equipment including some instructions (can be mobile phone, computer, clothes
Business device, air-conditioner, or network equipment etc.) method that executes each embodiment of the present invention.
The preferred embodiments of the present invention are these are only, the scope of the claims of the present invention is not thereby limited, every using this
Equivalent structure or equivalent flow conversion that bright description and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of vehicle insurance is settled a claim method for early warning, it is characterised in that the vehicle insurance Claims Resolution method for early warning includes：
When vehicle insurance Claims Resolution alarm command is detected, the current location of the vehicle for servicing of settling a claim for vehicle insurance is obtained；
Traffic route and intersection in the predeterminable range of current location is obtained, and the traffic route is obtained from vehicle insurance Claims Resolution center
Vehicle insurance Claims Resolution event information that is related with intersection and occurring in past preset duration；
According to vehicle insurance Claims Resolution event information, each section and each intersection generation traffic thing in the traffic route is counted
Therefore produced amount for which loss settled；
To there is section and/or intersection work of the amount for which loss settled produced by vehicle accident more than the traffic route of preset cost
For risk zones；
The corresponding early warning information of output risk zones, the early warning information includes that the positional information at risk zones place, warning are described
The information warning of vehicle driver's concern risk zones.
2. vehicle insurance as claimed in claim 1 is settled a claim method for early warning, it is characterised in that the corresponding early warning of the output risk zones
Also include after the step of information：
The current running information of the vehicle, and the current location according to vehicle and running information is obtained, generates the prediction of vehicle
Wheelpath；
When the prediction wheelpath of vehicle is through risk zones, vehicle drive information is exported.
3. vehicle insurance as claimed in claim 2 is settled a claim method for early warning, it is characterised in that the prediction wheelpath warp when vehicle
When crossing risk zones, output vehicle drive information the step of include：
According to vehicle insurance Claims Resolution event information, the number of times that each risk zones occurs vehicle accident is obtained, and vehicle accident will occur
Number of times more than preset times risk zones as high risk region；
When the prediction wheelpath of vehicle is through high risk region, output prompting user bypasses the vehicle in high risk area and drives
Sail information.
4. vehicle insurance as claimed in claim 3 is settled a claim method for early warning, it is characterised in that described settled a claim event information according to vehicle insurance,
The number of times that each risk zones occurs vehicle accident is obtained, and the number of times that vehicle accident occurs is more than the risk area of preset times
Domain is used as also including after the step of 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 are the number of times that vehicle accident occurs less than or equal to the risk zones of preset times.
5. vehicle insurance as claimed in claim 2 is settled a claim method for early warning, it is characterised in that the running information includes history driving rail
Mark, driving azimuth, road speed, current location and the running information according to vehicle, generate the prediction driving rail of vehicle
The step of mark, includes：
According to driving azimuth and the road speed of vehicle, obtain setting the primary driving rail in prediction duration apart from current time
Mark；
Extend history wheelpath to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
6. a kind of vehicle insurance is settled a claim prior-warning device, it is characterised in that the vehicle insurance Claims Resolution prior-warning device includes：
Position acquisition module, for when vehicle insurance Claims Resolution alarm command is detected, obtaining the vehicle for vehicle insurance Claims Resolution service
Current location；
Data obtaining module, for obtaining traffic route and intersection in the predeterminable range of current location, and from vehicle insurance Claims Resolution
The heart obtains the traffic route and vehicle insurance Claims Resolution event information that past preset duration in occur related with intersection；
Statistical module, for according to vehicle insurance Claims Resolution event information, counting each section and each intersection in the traffic route
There is the amount for which loss settled produced by vehicle accident in crossing；
Definition module, by occur vehicle accident produced by amount for which loss settled more than preset cost traffic route section and/or
Intersection is used as risk zones；
Early warning output module, for exporting the corresponding early warning information of risk zones, the early warning information includes what risk zones were located
Positional information, the warning vehicle driver pay close attention to the information warning of risk zones.
7. vehicle insurance as claimed in claim 6 is settled a claim prior-warning device, it is characterised in that the vehicle insurance Claims Resolution prior-warning device is also wrapped
Include：
Track Pick-up module, the running information current for obtaining vehicle, and the current location according to 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 as claimed in claim 7 is settled a claim prior-warning device, it is characterised in that the prompting output module is additionally operable to：
According to vehicle insurance Claims Resolution event information, the number of times that each risk zones occurs vehicle accident is obtained, and vehicle accident will occur
Number of times more than preset times risk zones as high risk region；
When the prediction wheelpath of vehicle is through high risk region, output prompting user bypasses the vehicle in high risk area and drives
Sail information.
9. vehicle insurance as claimed in claim 8 is settled a claim prior-warning device, it is characterised in that the 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 are the number of times that vehicle accident occurs less than or equal to the risk zones of preset times.
10. vehicle insurance as claimed in claim 7 is settled a claim prior-warning device, it is characterised in that the running information includes that history is driven a vehicle
Track, driving azimuth, road speed, the Track Pick-up module is used for：
According to driving azimuth and the road speed of vehicle, obtain setting the primary driving rail in prediction duration apart from current time
Mark；
Extend history wheelpath to obtain extending wheelpath to driving azimuth direction；
Comprehensive primary wheelpath and extension wheelpath, generate the prediction wheelpath of vehicle.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610686271.6A CN106448215B (en) | 2016-08-18 | 2016-08-18 | Vehicle insurance Claims Resolution method for early warning and device |
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| CN201610686271.6A CN106448215B (en) | 2016-08-18 | 2016-08-18 | Vehicle insurance Claims Resolution method for early warning and device |
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| CN106448215B (en) | 2019-05-10 |
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