CN106952165B - Method and system for vehicle insurance claims settlement and damage assessment - Google Patents
Method and system for vehicle insurance claims settlement and damage assessment Download PDFInfo
- Publication number
- CN106952165B CN106952165B CN201710147707.9A CN201710147707A CN106952165B CN 106952165 B CN106952165 B CN 106952165B CN 201710147707 A CN201710147707 A CN 201710147707A CN 106952165 B CN106952165 B CN 106952165B
- Authority
- CN
- China
- Prior art keywords
- damage
- assessment
- vehicle
- loss
- amount
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The invention relates to a method and a system for vehicle insurance claims settlement and loss assessment, wherein the method for vehicle insurance claims settlement and loss assessment comprises the following steps: after first damage data of a vehicle and a damage assessment video carrying identification information of the vehicle are received, the damage assessment video is sent to a background to assess damage; after second damage assessment data which are sent by the background and generated based on the damage assessment video are received, verifying the first damage assessment data and the second damage assessment data to obtain a verification result; and if the verification result is that the verification is passed, starting a claim settlement payment process of the vehicle based on the identification information of the vehicle, or if the verification result is that the verification is not passed, generating risk prompt information of the vehicle based on the identification information of the vehicle. The invention can save time and labor for vehicle damage assessment, reduce operation cost and improve vehicle damage assessment efficiency.
Description
Technical Field
The invention relates to the technical field of vehicle insurance, in particular to a method and a system for vehicle insurance claim settlement and loss assessment.
Background
Vehicle insurance is an important component of the insurance field. When an accident occurs to a vehicle and vehicle insurance claims are settled, the vehicle needs to be actually damaged in a repair shop and then repaired. When the loss is determined, an insurance company sends a surveyor and a repair shop worker to perform on-site loss determination, and the existing loss determination mode ensures that the insurance company needs to pay large manpower and operation cost in the automobile insurance claim settlement link, thereby wasting time and energy and having low vehicle loss determination efficiency.
Disclosure of Invention
The invention aims to provide a vehicle insurance claim settlement and damage assessment method and system, and aims to save time and labor for vehicle damage assessment, reduce operation cost and improve vehicle damage assessment efficiency.
In order to achieve the above object, the present invention provides a method for vehicle insurance claim settlement, comprising:
s1, after receiving first damage data of a vehicle and a damage assessment video carrying identification information of the vehicle, sending the damage assessment video to a background for damage assessment;
s2, after receiving second damage assessment data which are sent by the background and generated based on the damage assessment video, verifying the first damage assessment data and the second damage assessment data to obtain a verification result;
and S3, if the verification result is that the verification is passed, starting a claim settlement payment process of the vehicle based on the identification information of the vehicle, or if the verification result is that the verification is not passed, generating risk prompt information of the vehicle based on the identification information of the vehicle.
Preferably, the first damage data includes a first damage component and/or a first damage amount, the second damage data includes a second damage component and/or a second damage amount, and the step S2 includes:
s21, analyzing whether the first damage accessory is consistent with the second damage accessory, and/or analyzing whether the first damage amount is larger than a second damage amount, and when the first damage amount is larger than the second damage amount, analyzing whether the difference value between the first damage amount and the second damage amount is smaller than a preset amount;
s22, if the first damage assessment accessory is consistent with the second damage assessment accessory, and/or the difference is smaller than a preset amount, the verification is passed;
s23, if the first damage assessment accessory is inconsistent with the second damage assessment accessory, and/or the difference is larger than a preset amount, the verification fails.
Preferably, the step S2 further includes: and if the first loss amount is less than or equal to the second loss amount, the verification is passed.
Preferably, the step S1 further includes:
receiving the first loss data of vehicle and carrying loss assessment video of the identification information of vehicle after, to loss assessment video carry out loss assessment position recognition to discerning impaired position in every frame picture, right the car decreases the position and carries out the screenshot, and will the screenshot with loss assessment video together sends to the backstage in order to carry out the loss assessment.
Preferably, the step S1 is preceded by:
and the handheld terminal sends a recording request of the loss assessment video to the loss assessment server, and records the loss assessment video after receiving a response instruction returned by the loss assessment server based on the recording request.
In order to achieve the above object, the present invention further provides a vehicle insurance claim settlement system, which includes:
the system comprises a sending module, a background processing module and a judging module, wherein the sending module is used for sending a loss assessment video to a background for loss assessment after receiving first loss assessment data of a vehicle and the loss assessment video carrying identification information of the vehicle;
the verification module is used for verifying the first loss assessment data and the second loss assessment data after receiving second loss assessment data which is sent by the background and generated based on the loss assessment video, and obtaining a verification result;
and the processing module is used for starting a claim settlement payment process of the vehicle based on the identification information of the vehicle if the verification result is that the verification is passed, or generating risk prompt information of the vehicle based on the identification information of the vehicle if the verification result is that the verification is not passed.
Preferably, the first damage data includes a first damage component and/or a first damage amount, the second damage data includes a second damage component and/or a second damage amount, and the verification module includes:
the analysis unit is used for analyzing whether the first damage accessory is consistent with the second damage accessory and/or whether the first damage amount is larger than the second damage amount or not, and when the first damage amount is larger than the second damage amount, whether the difference value between the first damage amount and the second damage amount is smaller than a preset amount or not is analyzed;
the first processing unit is used for passing the verification if the first damage assessment accessory is consistent with the second damage assessment accessory and/or the difference value is smaller than a preset amount of money;
and the second processing unit is used for verifying whether the first damage accessory is inconsistent with the second damage accessory and/or whether the difference value is larger than the preset amount.
Preferably, the verification module further comprises: and the third processing unit is used for passing the verification if the first loss amount is less than or equal to the second loss amount.
Preferably, the sending module is specifically configured to, after receiving first damage data of a vehicle and a damage assessment video carrying identification information of the vehicle, perform damage assessment part identification on the damage assessment video to identify a damaged part in each frame of picture, capture a screenshot of the damage assessment part of the vehicle, and send the screenshot and the damage assessment video together to a background for damage assessment.
The invention has the beneficial effects that: when a vehicle insurance claim settlement accident occurs, a worker can record loss assessment videos for the vehicle in a repair shop, the loss assessment videos and first loss assessment data determined based on the damage condition of the vehicle are sent to a background, background loss assessment personnel log in the background and check the loss assessment videos for loss assessment, the number of the background loss assessment personnel can be one or more, for example, one or more loss assessment personnel designated by an insurance company can perform loss assessment, and finally the first loss assessment data and second loss assessment data made by the background loss assessment personnel are verified to realize vehicle loss assessment between the repair shop and the insurance company.
Drawings
FIG. 1 is a schematic flow chart illustrating a method for claims settlement and damage assessment in a vehicle insurance system according to an embodiment of the present invention;
FIG. 2 is a detailed flowchart of step S2 shown in FIG. 1;
FIG. 3 is a schematic view of an operating environment of the vehicle insurance claim settlement system according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram illustrating an embodiment of the car insurance claims settlement system of the present invention;
fig. 5 is a schematic structural diagram of the verification module shown in fig. 4.
Detailed Description
The principles and features of this invention are described below in conjunction with the following drawings, which are set forth by way of illustration only and are not intended to limit the scope of the invention.
Referring to fig. 1, fig. 1 is a schematic flow chart of an embodiment of a method for vehicle insurance claim settlement, the method for vehicle insurance claim settlement including the following steps:
step S1, after receiving first damage data of a vehicle and a damage assessment video carrying identification information of the vehicle, sending the damage assessment video to a background for damage assessment;
the embodiment can be applied to a vehicle insurance claim settlement and damage system, the vehicle insurance claim settlement and damage system can be realized by software and/or hardware, and the vehicle insurance claim settlement and damage system can be integrated in a damage server. And receiving the first damage data and the damage assessment video transmitted by the handheld terminal of the repair shop by the vehicle insurance claim settlement and damage assessment system.
The first damage data includes, but is not limited to, a first damage accessory and a first damage amount, wherein the first damage accessory may be a name of the damage accessory and/or a picture of the damage accessory; the first damage amount is an amount of the repair shop staff according to the damage condition of the first damage component.
The Identification information of the Vehicle is preferably a VIN code (Vehicle Identification Number), but may be other information, such as a license plate Number.
And recording the loss assessment video by a handheld terminal of a repair shop, wherein the vehicle loss video comprises identification information of the vehicle, the overall view of the vehicle and the damaged part.
Step S2, after receiving second damage assessment data generated based on the damage assessment video and sent by the background, verifying the first damage assessment data and the second damage assessment data to obtain a verification result;
the background damage assessment personnel perform damage assessment according to the damage assessment video and generate second damage assessment data, wherein the second damage assessment data comprises but is not limited to a second damage assessment accessory and a second damage assessment amount, and the second damage assessment accessory can be the name of the damage assessment accessory and/or the picture of the damage assessment accessory; the second damage settlement amount is an amount that the damage settlement person decides according to the damage condition of the second damage settlement accessory.
And then, the background sends the second damage assessment data to the vehicle insurance claim damage assessment system, and the vehicle insurance claim damage assessment system performs verification based on the first damage assessment data and the second damage assessment data.
The verification process mainly verifies whether the damage assessment accessory in the first damage assessment data is the same as the damage assessment accessory in the second damage assessment data, and whether the damage assessment amount in the first damage assessment data is basically the same as the damage assessment amount in the second damage assessment data.
And step S3, if the verification result is that the verification is passed, starting a claim settlement payment process of the vehicle based on the identification information of the vehicle, or if the verification result is that the verification is not passed, generating risk prompt information of the vehicle based on the identification information of the vehicle.
If the vehicle passes the verification, starting a claim settlement payment process for the vehicle; if the verification fails, risk prompt information is generated, for example, the risk prompt information can be that "the background damage assessment accessory is inconsistent with the repair shop damage assessment accessory, please note to prevent the risk of claim settlement", or the risk prompt information can be that "the repair shop damage assessment amount is far beyond the background damage assessment amount, please note to prevent the risk of claim settlement", and/or the damage assessment prompt information is sent to a handheld terminal of the repair shop, for example, the damage assessment prompt information can be that "please re-assess the damage and upload the damage assessment data of the vehicle", or the damage assessment prompt information can be that "the background damage assessment accessory is inconsistent with the repair shop damage assessment accessory, please supplement the reason for the damage assessment accessory", or the damage assessment information can be that "the repair shop damage assessment amount is far beyond the background damage assessment amount, please supplement the reason for the damage assessment amount".
As can be seen from the above description, when a vehicle accident occurs, a worker can record a loss assessment video of the vehicle in a repair shop, the loss assessment video and first loss assessment data determined based on the vehicle damage condition are sent to a background, a background loss assessment person logs in the background and checks the loss assessment video for loss assessment, the number of the background loss assessment persons can be one or more, for example, one or more loss assessment personnel designated by the insurance company can carry out loss assessment, and finally, the first loss assessment data and the second loss assessment data made by the background loss assessment personnel are verified to realize vehicle loss assessment by both the repair shop and the insurance company, thus, there is no need for the insurance company to send surveyors to the repair shop for damage assessment, eliminating the time spent due to dispatch or other waiting time, the vehicle damage assessment time and labor are saved, the operation cost is reduced, and the vehicle damage assessment efficiency can be improved.
In a preferred embodiment, as shown in fig. 2, on the basis of the embodiment of fig. 1, the step S2 includes:
s21, analyzing whether the first damage accessory is consistent with the second damage accessory, and/or analyzing whether the first damage amount is larger than a second damage amount, and when the first damage amount is larger than the second damage amount, analyzing whether the difference value between the first damage amount and the second damage amount is smaller than a preset amount;
s22, if the first damage assessment accessory is consistent with the second damage assessment accessory, and/or the difference is smaller than a preset amount, the verification is passed;
s23, if the first damage assessment accessory is inconsistent with the second damage assessment accessory, and/or the difference is larger than a preset amount, the verification fails.
In this embodiment, if the first damage data and the second damage data only include a damage assessment accessory, analyzing whether the first damage assessment accessory is consistent with the second damage assessment accessory, for example, if the first damage assessment accessory and the second damage assessment accessory are both hardware of a certain part of a vehicle, the first damage assessment accessory is consistent with the second damage assessment accessory; if the first damage fitting is a hardware part of a certain part of the vehicle and the second damage fitting is a tire, the first damage fitting and the second damage fitting are inconsistent.
In the present embodiment, if both the first damage data and the second damage data include only the damage amount, only the damage amount is analyzed. The first damage amount is an amount evaluated by a maintenance shop worker, and the first damage amount can be determined from the professional perspective of the damage condition of the component, so that the case where the first damage amount is larger than the second damage amount is prioritized, and further, the difference between the first damage amount and the second damage amount cannot be made excessively large, so that the damage amount that can be agreed between the maintenance shop and the insurance company is obtained.
The first damage data and the second damage data comprise damage assessment accessories and damage assessment amount, the conditions of the damage assessment accessories and the damage assessment amount are analyzed simultaneously, and when the first damage assessment accessories are consistent with the second damage assessment accessories and the difference value between the first damage assessment amount and the second damage assessment amount is smaller than the preset amount, the verification is passed; when the first damage accessory is inconsistent with the second damage accessory or the difference value of the first damage amount and the second damage amount is not smaller than the preset amount, the verification is not passed.
Preferably, the step S2 further includes: and if the first loss amount is less than or equal to the second loss amount, the verification is directly passed.
In a preferred embodiment, on the basis of the embodiment of fig. 1, the step S1 further includes:
receiving the first loss data of vehicle and carrying loss assessment video of the identification information of vehicle after, to loss assessment video carry out loss assessment position recognition to discerning impaired position in every frame picture, right the car decreases the position and carries out the screenshot, and will the screenshot with loss assessment video together sends to the backstage in order to carry out the loss assessment.
The vehicle damage part identification can be carried out on the damage assessment video by using various methods, for example, a Torch + deep learning network (VGG16), after the vehicle damage part is identified, screenshots can be carried out on the vehicle damage part, and the screenshots and the damage assessment video are sent to a background together for background damage assessment personnel to refer to or directly use, so that the vehicle damage assessment efficiency can be further improved.
In a preferred embodiment, on the basis of the embodiment of fig. 1, the step S1 is preceded by: and the handheld terminal sends a recording request of the loss assessment video to the loss assessment server, and records the loss assessment video after receiving a response instruction returned by the loss assessment server based on the recording request.
The repair shop personnel can log in the loss assessment server by utilizing a predetermined client system in the handheld terminal and send a loss assessment video recording request to the loss assessment server; after the loss assessment server responds to the loss video recording request, a repair shop worker starts video recording from the identification information (such as VIN code) of the vehicle by using the handheld terminal, directly faces the identification information and gradually leaves the identification information until the whole outline of the vehicle appears in the video; in the process of recording the handheld terminal in a clockwise or anticlockwise surrounding mode, the damaged part of the vehicle appearance piece and/or the interior trim piece can clearly appear in the video camera.
The handheld terminal may be any suitable portable electronic device, such as a mobile phone, a Personal Digital Assistant (PDA), a handheld computer, a tablet computer, a mini computer (nettop), or a notebook computer.
Please refer to fig. 3, which is a schematic diagram illustrating an operating environment of the system 10 for claims settlement and damage assessment in car insurance.
In the present embodiment, the system 10 for claims settlement is installed in the electronic device 1 and operated. The electronic device 1 may be a desktop computer, a notebook, a palm computer, a server, or other computing equipment. The electronic device 1 may include, but is not limited to, a memory 11, a processor 12, and a display 13. Fig. 3 only shows the electronic device 1 with components 11-13, but it is to be understood that not all of the shown components are required to be implemented, and that more or fewer components may alternatively be implemented.
The memory 11 may in some embodiments be an internal storage unit of the electronic device 1, such as a hard disk or a memory of the electronic device 1. The memory 11 may also be an external storage device of the electronic apparatus 1 in other embodiments, such as a plug-in hard disk provided on the electronic apparatus 1, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like. Further, the memory 11 may also include both an internal storage unit and an external storage device of the electronic apparatus 1. The memory 11 is used for storing application software installed in the electronic device 1 and various data, such as program codes of the system 10 for vehicle insurance claims settlement. The memory 11 may also be used to temporarily store data that has been output or is to be output.
The processor 12 may be, in some embodiments, a Central Processing Unit (CPU), microprocessor or other data Processing chip, for running program code stored in the memory 11 or Processing data, such as the system 10 for executing vehicle insurance claims and damages.
The display 13 may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch panel, or the like in some embodiments. The display 13 is used for displaying information processed in the electronic apparatus 1 and for displaying a user interface for visualization, such as a claims damage interface or the like. The components 11-13 of the electronic device 1 communicate with each other via a system bus.
Please refer to fig. 4, which is a functional block diagram of the system 10 for claims settlement and damage assessment in car insurance. In this embodiment, the system 10 for claims settlement can be divided into one or more modules, and the one or more modules are stored in the memory 11 and executed by one or more processors (in this embodiment, the processor 12) to complete the present invention. For example, in fig. 4, the system 10 for claims settlement can be divided into a sending module 101, a verifying module 102 and a processing module 103. The module referred to in the present invention refers to a series of computer program instruction segments capable of performing specific functions, and is more suitable than a program for describing the execution process of the system 10 for claims settlement in car insurance in the electronic device 1, wherein:
the sending module 101 is configured to send a loss assessment video to a background for loss assessment after receiving first loss assessment data of a vehicle and the loss assessment video carrying identification information of the vehicle;
the system for vehicle insurance claim settlement and damage assessment of the embodiment can be realized by software and/or hardware, and the system for vehicle insurance claim settlement and damage assessment can be integrated in a damage assessment server. And receiving the first damage data and the damage assessment video transmitted by the handheld terminal of the repair shop by the vehicle insurance claim settlement and damage assessment system.
The first damage data includes, but is not limited to, a first damage accessory and a first damage amount, wherein the first damage accessory may be a name of the damage accessory and/or a picture of the damage accessory; the first damage amount is an amount of the repair shop staff according to the damage condition of the first damage component.
The Identification information of the Vehicle is preferably a VIN code (Vehicle Identification Number), but may be other information, such as a license plate Number.
And recording the loss assessment video by a handheld terminal of a repair shop, wherein the vehicle loss video comprises identification information of the vehicle, the overall view of the vehicle and the damaged part.
The verification module 102 is configured to verify the first damage assessment data and the second damage assessment data after receiving second damage assessment data, which is sent by the background and generated based on the damage assessment video, and obtain a verification result;
the background damage assessment personnel perform damage assessment according to the damage assessment video and generate second damage assessment data, wherein the second damage assessment data comprises but is not limited to a second damage assessment accessory and a second damage assessment amount, and the second damage assessment accessory can be the name of the damage assessment accessory and/or the picture of the damage assessment accessory; the second damage settlement amount is an amount that the damage settlement person decides according to the damage condition of the second damage settlement accessory.
And then, the background sends the second damage assessment data to the vehicle insurance claim damage assessment system, and the vehicle insurance claim damage assessment system performs verification based on the first damage assessment data and the second damage assessment data.
The verification process mainly verifies whether the damage assessment accessory in the first damage assessment data is the same as the damage assessment accessory in the second damage assessment data, and whether the damage assessment amount in the first damage assessment data is basically the same as the damage assessment amount in the second damage assessment data.
The processing module 103 is configured to start a claim settlement and payment process of the vehicle based on the identification information of the vehicle if the verification result is that the verification is passed, or generate risk prompt information of the vehicle based on the identification information of the vehicle if the verification result is that the verification is not passed.
If the vehicle passes the verification, starting a claim settlement payment process for the vehicle; if the verification fails, risk prompt information is generated, for example, the risk prompt information can be that "the background damage assessment accessory is inconsistent with the repair shop damage assessment accessory, please note to prevent the risk of claim settlement", or the risk prompt information can be that "the repair shop damage assessment amount is far beyond the background damage assessment amount, please note to prevent the risk of claim settlement", and/or the damage assessment prompt information is sent to a handheld terminal of the repair shop, for example, the damage assessment prompt information can be that "please re-assess the damage and upload the damage assessment data of the vehicle", or the damage assessment prompt information can be that "the background damage assessment accessory is inconsistent with the repair shop damage assessment accessory, please supplement the reason for the damage assessment accessory", or the damage assessment information can be that "the repair shop damage assessment amount is far beyond the background damage assessment amount, please supplement the reason for the damage assessment amount".
In a preferred embodiment, as shown in fig. 5, based on the embodiment of fig. 4, the verification module 102 includes:
an analyzing unit 1021, configured to analyze whether the first damage component is consistent with the second damage component, and/or whether the first damage amount is greater than a second damage amount, and when the first damage amount is greater than the second damage amount, analyze whether a difference between the first damage amount and the second damage amount is smaller than a preset amount;
the first processing unit 1022 is configured to, if the first damage assessment accessory is consistent with the second damage assessment accessory, and/or the difference is smaller than a preset amount, pass the verification;
the second processing unit 1023 is configured to check if the first damage assessment component is inconsistent with the second damage assessment component, and/or if the difference is greater than a preset amount of money.
In this embodiment, if the first damage data and the second damage data only include a damage assessment accessory, analyzing whether the first damage assessment accessory is consistent with the second damage assessment accessory, for example, if the first damage assessment accessory and the second damage assessment accessory are both hardware of a certain part of a vehicle, the first damage assessment accessory is consistent with the second damage assessment accessory; if the first damage fitting is a hardware part of a certain part of the vehicle and the second damage fitting is a tire, the first damage fitting and the second damage fitting are inconsistent.
In the present embodiment, if both the first damage data and the second damage data include only the damage amount, only the damage amount is analyzed. The first damage amount is an amount evaluated by a maintenance shop worker, and the first damage amount can be determined from the professional perspective of the damage condition of the component, so that the case where the first damage amount is larger than the second damage amount is prioritized, and further, the difference between the first damage amount and the second damage amount cannot be made excessively large, so that the damage amount that can be agreed between the maintenance shop and the insurance company is obtained.
The first damage data and the second damage data comprise damage assessment accessories and damage assessment amount, the conditions of the damage assessment accessories and the damage assessment amount are analyzed simultaneously, and when the first damage assessment accessories are consistent with the second damage assessment accessories and the difference value between the first damage assessment amount and the second damage assessment amount is smaller than the preset amount, the verification is passed; when the first damage accessory is inconsistent with the second damage accessory or the difference value of the first damage amount and the second damage amount is not smaller than the preset amount, the verification is not passed.
Preferably, the verification module 102 further comprises: and the third processing unit is used for passing the verification if the first loss amount is less than or equal to the second loss amount.
In a preferred embodiment, on the basis of the embodiment of fig. 4, the sending module 101 is specifically configured to, after receiving first damage data of a vehicle and a damage assessment video carrying identification information of the vehicle, perform damage location identification on the damage assessment video to identify a damaged location in each frame of picture, capture a screenshot of the damaged location, and send the screenshot and the damage assessment video together to a background for damage assessment.
The vehicle damage part identification can be carried out on the damage assessment video by using various methods, for example, a Torch + deep learning network (VGG16), after the vehicle damage part is identified, screenshots can be carried out on the vehicle damage part, and the screenshots and the damage assessment video are sent to a background together for background damage assessment personnel to refer to or directly use, so that the vehicle damage assessment efficiency can be further improved.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.
Claims (6)
1. A method for vehicle insurance claim settlement and loss assessment, which is characterized in that the method for vehicle insurance claim settlement and loss assessment comprises the following steps:
s0, a repair shop worker logs in a loss assessment server by using a predetermined client system in the handheld terminal, sends a loss assessment video recording request to the loss assessment server, and after receiving a response instruction returned by the loss assessment server based on the recording request, the repair shop worker starts video recording from the identification information of the vehicle by using the handheld terminal, directly faces the identification information and gradually leaves the identification information until the whole outline of the vehicle appears in the video; in the process of recording the handheld terminal in a clockwise or anticlockwise surrounding manner, the damaged part of the vehicle appearance piece and/or the interior trim piece can clearly appear in the video camera;
s1, after receiving first damage data of the vehicle and damage assessment videos carrying identification information of the vehicle, which are sent by the handheld terminal, sending the damage assessment videos to a background for damage assessment;
s2, after receiving second damage assessment data which are sent by the background and generated by the background damage assessment personnel based on the damage assessment video, verifying the first damage assessment data and the second damage assessment data to obtain a verification result;
s3, if the verification result is that the verification is passed, starting a claim settlement payment process of the vehicle based on the identification information of the vehicle, or if the verification result is that the verification is not passed, generating risk prompt information of the vehicle based on the identification information of the vehicle;
the first damage data includes a first damage component and a first damage amount, the first damage amount is determined by the repair shop staff according to the damage condition of the first damage component, the second damage data includes a second damage component and a second damage amount, the second damage amount is determined by the background damage staff according to the damage condition of the second damage component, and the step S2 includes:
s21, analyzing whether the first damage accessory is consistent with the second damage accessory, and/or analyzing whether the first damage amount is larger than a second damage amount, and when the first damage amount is larger than the second damage amount, analyzing whether the difference value between the first damage amount and the second damage amount is smaller than a preset amount;
s22, if the first damage assessment accessory is consistent with the second damage assessment accessory, and/or the difference is smaller than a preset amount, the verification is passed;
s23, if the first damage assessment accessory is inconsistent with the second damage assessment accessory, and/or the difference is larger than a preset amount, the verification fails.
2. The method of claim 1, wherein the step S2 further comprises: and if the first loss amount is less than or equal to the second loss amount, the verification is passed.
3. The method for claims settlement of vehicle insurance according to any one of claims 1 to 2, wherein the step S1 further comprises:
receiving the first loss data of vehicle and carrying loss assessment video of the identification information of vehicle after, to loss assessment video carry out loss assessment position recognition to discerning impaired position in every frame picture, right the car decreases the position and carries out the screenshot, and will the screenshot with loss assessment video together sends to the backstage in order to carry out the loss assessment.
4. A system for vehicle insurance claim settlement, wherein the system for vehicle insurance claim settlement comprises:
the system comprises a sending module, a background processing module and a judging module, wherein the sending module is used for sending a loss assessment video to the background for loss assessment after receiving first loss assessment data of a vehicle and the loss assessment video carrying identification information of the vehicle, which are sent by a handheld terminal; the recording process of the loss assessment video comprises the following steps: a repair shop worker logs in a loss assessment server by using a predetermined client system in a handheld terminal, sends a loss assessment video recording request to the loss assessment server, starts video recording from the identification information of the vehicle by using the handheld terminal after receiving a response instruction returned by the loss assessment server based on the recording request, and keeps away from the identification information gradually until the whole outline of the vehicle appears in the video; in the process of recording the handheld terminal in a clockwise or anticlockwise surrounding manner, the damaged part of the vehicle appearance piece and/or the interior trim piece can clearly appear in the video camera;
the verification module is used for verifying the first damage assessment data and the second damage assessment data after receiving second damage assessment data which are sent by the background and generated by a background damage assessment worker based on the damage assessment video, and obtaining a verification result;
the processing module is used for starting a claim settlement payment process of the vehicle based on the identification information of the vehicle if the verification result is that the verification is passed, or generating risk prompt information of the vehicle based on the identification information of the vehicle if the verification result is that the verification is not passed;
first loss data includes first loss accessory and first loss amount, first loss amount is the amount of money that the repair shop personnel decided according to the impaired condition of first loss accessory, second loss data includes second loss accessory and second loss amount, the second loss amount of money that the backstage loss personnel decided according to the impaired condition of second loss accessory, the check-up module includes:
the analysis unit is used for analyzing whether the first damage accessory is consistent with the second damage accessory and/or whether the first damage amount is larger than the second damage amount or not, and when the first damage amount is larger than the second damage amount, whether the difference value between the first damage amount and the second damage amount is smaller than a preset amount or not is analyzed;
the first processing unit is used for passing the verification if the first damage assessment accessory is consistent with the second damage assessment accessory and/or the difference value is smaller than a preset amount of money;
and the second processing unit is used for verifying whether the first damage accessory is inconsistent with the second damage accessory and/or whether the difference value is larger than the preset amount.
5. The system of claim 4, wherein the verification module further comprises: and the third processing unit is used for passing the verification if the first loss amount is less than or equal to the second loss amount.
6. The vehicle insurance claim settlement and damage assessment system according to any one of claims 4 to 5, wherein the sending module is specifically configured to, after receiving first damage data of a vehicle and a damage assessment video carrying identification information of the vehicle, perform damage location identification on the damage assessment video to identify damaged locations in each frame of picture, capture a screenshot of the damage locations, and send the screenshot and the damage assessment video together to a background for damage assessment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710147707.9A CN106952165B (en) | 2017-03-13 | 2017-03-13 | Method and system for vehicle insurance claims settlement and damage assessment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710147707.9A CN106952165B (en) | 2017-03-13 | 2017-03-13 | Method and system for vehicle insurance claims settlement and damage assessment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106952165A CN106952165A (en) | 2017-07-14 |
| CN106952165B true CN106952165B (en) | 2021-08-24 |
Family
ID=59466878
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710147707.9A Active CN106952165B (en) | 2017-03-13 | 2017-03-13 | Method and system for vehicle insurance claims settlement and damage assessment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106952165B (en) |
Families Citing this family (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108171699A (en) * | 2018-01-11 | 2018-06-15 | 平安科技（深圳）有限公司 | Setting loss Claims Resolution method, server and computer readable storage medium |
| CN109635651A (en) * | 2018-11-07 | 2019-04-16 | 中国平安财产保险股份有限公司 | A kind of car damage identification method based on image recognition, storage medium and server |
| CN109785156A (en) * | 2018-12-13 | 2019-05-21 | 平安普惠企业管理有限公司 | A kind of method and Related product of the processing of Claims Resolution difference |
| CN109767346A (en) * | 2018-12-17 | 2019-05-17 | 中国平安财产保险股份有限公司 | CAR SERVICE processing method, device, computer equipment and storage medium |
| CN110147719A (en) * | 2019-04-09 | 2019-08-20 | 平安科技（深圳）有限公司 | Car damage identification method, device, computer equipment and storage medium |
| CN116012169B (en) * | 2022-12-21 | 2024-03-22 | 南京睿聚科技发展有限公司 | Method and system for screening risk of insurance claim settlement based on position data |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106131206A (en) * | 2016-08-01 | 2016-11-16 | 深圳市永兴元科技有限公司 | Car accident reconnaissance at criminal scene method and apparatus |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP4816992B2 (en) * | 2001-01-31 | 2011-11-16 | マツダ株式会社 | Vehicle remote failure diagnosis server, vehicle remote failure diagnosis method, remote failure diagnosis program, and in-vehicle remote failure diagnosis device |
| CN106231263A (en) * | 2016-08-03 | 2016-12-14 | 深圳市永兴元科技有限公司 | Car damage identification based on mobile network communication Claims Resolution method and device |
-
2017
- 2017-03-13 CN CN201710147707.9A patent/CN106952165B/en active Active
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106131206A (en) * | 2016-08-01 | 2016-11-16 | 深圳市永兴元科技有限公司 | Car accident reconnaissance at criminal scene method and apparatus |
Non-Patent Citations (1)
| Title |
|---|
| 人保财险新理赔系统的系统设计与实现;马媛媛;《中国优秀硕士学位论文全文数据库 信息科技辑》;20160915(第09期);第3.1.3-3.1.5节，图3.1-3.6 * |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106952165A (en) | 2017-07-14 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106952165B (en) | Method and system for vehicle insurance claims settlement and damage assessment | |
| WO2020024407A1 (en) | Electronic device, method for intelligently processing car insurance claim, and storage medium | |
| CN111259848A (en) | Vehicle loss assessment method, vehicle loss assessment system, computer equipment and medium | |
| CN112181835B (en) | Automatic test method, device, computer equipment and storage medium | |
| CN107908553B (en) | Association testing method, application server and computer readable storage medium | |
| CN110659569A (en) | Electronic signature method, device, storage medium and electronic equipment | |
| CN114218110A (en) | Account checking test method and device for financial data, computer equipment and storage medium | |
| US11640587B2 (en) | Vehicle repair workflow automation with OEM repair procedure verification | |
| CN116245074A (en) | Chip verification method, device and storage medium | |
| CN111598122B (en) | Data verification method and device, electronic equipment and storage medium | |
| CN110727595B (en) | Application login interface identification method, intelligent terminal and storage medium | |
| CN113177701A (en) | User credit assessment method and device | |
| CN110968860A (en) | Security verification method for application account, computer equipment and computer-readable storage medium | |
| CN107729407B (en) | User behavior analysis method and server | |
| CN115757075A (en) | Task abnormity detection method and device, computer equipment and storage medium | |
| CN112365008B (en) | Automobile part selection method and device based on big data | |
| CN114637672A (en) | Automatic data testing method and device, computer equipment and storage medium | |
| CN113052711B (en) | Insurance security risk control method and device based on block chain | |
| CN111027371A (en) | Intelligent vehicle checking method and system, computer equipment and storage medium | |
| CN112055013A (en) | Automatic authentication method, device, equipment and storage medium | |
| CN117390241A (en) | Data display method, device, computer equipment and storage medium | |
| CN111857679B (en) | Method and device for generating script program and script program processing system | |
| CN111861719A (en) | Money putting method based on state detection, server and storage medium | |
| CN117391632A (en) | Case report processing method, device, computer equipment and storage medium | |
| CN116311421A (en) | Living body detection method, living body detection device, computer equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |