CN107730215A - Settlement of insurance claim on-line processing method and system - Google Patents
Settlement of insurance claim on-line processing method and system Download PDFInfo
- Publication number
- CN107730215A CN107730215A CN201711089945.5A CN201711089945A CN107730215A CN 107730215 A CN107730215 A CN 107730215A CN 201711089945 A CN201711089945 A CN 201711089945A CN 107730215 A CN107730215 A CN 107730215A
- Authority
- CN
- China
- Prior art keywords
- resolution
- premium
- online
- loss
- following
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/103—Workflow collaboration or project management
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Human Resources & Organizations (AREA)
- General Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Marketing (AREA)
- Entrepreneurship & Innovation (AREA)
- Economics (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Technology Law (AREA)
- Data Mining & Analysis (AREA)
- Development Economics (AREA)
- Operations Research (AREA)
- Quality & Reliability (AREA)
- Tourism & Hospitality (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the present invention provides a kind of settlement of insurance claim on-line processing method and system, belongs to technical field of information processing.This method includes：Receive the online Claims Resolution tentative calculation request that requesting party sends；Simulation setting loss is carried out according to the online Claims Resolution tentative calculation request, obtains estimating amount for which loss settled；According to the online Claims Resolution tentative calculation request premium increase volume is carried out to calculate, obtain because this declares Claims Resolution and caused by following premium increase volume；By the way that the amount for which loss settled of estimating is contrasted with the following premium increase volume, treatment advice information is obtained；The treatment advice information is returned into the requesting party.Simulation setting loss is carried out according to online Claims Resolution tentative calculation request, and increases volume by the way that amount for which loss settled and following premium will be estimated and is contrasted, to the more rational treatment advice information of car owner's offer.
Description
Technical field
The embodiment of the present invention relates in general to technical field of information processing, locates online in particular to a kind of settlement of insurance claim
Manage method and system.
Background technology
In recent ten years, significantly increase with the owning amount of automobile, incident is exactly more or less different journeys
The vehicle damage situation of degree, therefore, vehicle insurance industry is arisen at the historic moment.
When traditional insurance is settled a claim, it is the important step in vehicle insurance Claims Resolution that discriminating is carried out to vehicle damage situation.But for
For car owner itself, particularly some experience of not being in danger car owner, vehicle be damaged after need to whether be in danger with
And it is not to be perfectly clear that can produce what influence after being in danger on following premium.
Therefore, also there is the part that has much room for improvement in prior art.
Above- mentioned information is only used for strengthening the understanding to the background of the embodiment of the present invention disclosed in the background section,
Therefore it can include not forming the information to prior art known to persons of ordinary skill in the art.
The content of the invention
The embodiment of the present invention provides a kind of settlement of insurance claim on-line processing method, system, electronic equipment and computer-readable Jie
Matter, to carry out simulation setting loss according to online Claims Resolution tentative calculation request, and carried out pair by the way that amount for which loss settled and following premium will be estimated
Than providing more rational treatment advice information to car owner.
Other characteristics and advantage of the embodiment of the present invention will be apparent from by following detailed description, or partially by
The practice of the embodiment of the present invention and acquistion.
First aspect according to embodiments of the present invention, there is provided a kind of settlement of insurance claim on-line processing method, including：
Receive the online Claims Resolution tentative calculation request that requesting party sends；
Simulation setting loss is carried out according to the online Claims Resolution tentative calculation request, obtains estimating amount for which loss settled；
According to the online Claims Resolution tentative calculation request premium increase volume is carried out to calculate, obtain because this declares Claims Resolution and caused by
Following premium increases volume；
By by it is described estimate amount for which loss settled and following premium and increase volume contrasted, obtain treatment advice information；
The treatment advice information is returned into the requesting party.
In some embodiments of the invention, simulation setting loss is carried out according to the online Claims Resolution tentative calculation request, estimated
Amount for which loss settled is specially：
By being parsed to the online Claims Resolution tentative calculation request, judge whether the online Claims Resolution tentative calculation request is figure
Piece；
When the online Claims Resolution tentative calculation request is picture, entered according to the picture and the photo in setting loss picture database
Row match cognization, draw and described estimate amount for which loss settled.
In some embodiments of the invention, the photo in the picture and setting loss picture library carries out match cognization,
Estimating amount for which loss settled described in drawing is specially：
Position is damaged according to the picture recognition car；
Position is damaged according to the car to be matched with the setting loss picture database, car damage degree is obtained, wherein described fixed
Damage picture database includes the setting loss that multiple car damage positions and car damage position are divided according to different cars damage degree
Photo；
Position is damaged for the car and car damage degree is assessed, and obtains described estimating amount for which loss settled.
In some embodiments of the invention, carry out premium increase volume according to the online Claims Resolution tentative calculation request to calculate, obtain
To because this declares Claims Resolution and caused by following premium increase volume be specially：
According to future standard premium and claim times in the current year, calculate respectively following premium that this does not declare Claims Resolution and
This declares the following premium of Claims Resolution；
Compare it is described this do not declare Claims Resolution following premium and described this declare difference between the following premium of Claims Resolution
Volume, obtain the following premium increase volume.
In some embodiments of the invention, according to future standard premium and claim times in the current year, calculate respectively
This does not declare the following premium of Claims Resolution and this following premium for declaring Claims Resolution is specially：
According to the future standard premium and the first coefficient, described this is calculated and does not declare the following premium of Claims Resolution；
The second coefficient is determined according to claim times in the current year；
According to the future standard premium and second coefficient, described this is calculated and declares the following guarantor of Claims Resolution
Take；
The scope of wherein described first coefficient is (0~1), and second coefficient is more than 1.
In some embodiments of the invention, by the way that the amount for which loss settled and the following premium estimated is increased into volume progress
Contrast, obtaining treatment advice information is specially：
By the way that the amount for which loss settled of estimating is contrasted with the following premium increase volume,
If for the amount for which loss settled of estimating less than the following premium increase volume, the treatment advice is it is not recommended that declaring
Claims Resolution；
If the amount for which loss settled of estimating declares reason higher than the following premium increase volume, the treatment advice for suggestion
Pay for.
In some embodiments of the invention, obtain this following premium for not declaring Claims Resolution and declare Claims Resolution not with this
Come after premium, the settlement of insurance claim on-line processing method also includes：
Calculate this and declare the premium increase ratio that Claims Resolution is not declared in Claims Resolution compared with this；
Premium increase ratio is contrasted with default sliding scales threshold value, if premium increase ratio is more than
The default sliding scales threshold value, then the treatment advice is it is not recommended that declaring Claims Resolution；If the premium increase ratio is less than
The default sliding scales threshold value, then the treatment advice is that Claims Resolution is declared in suggestion.
Second aspect according to embodiments of the present invention, there is provided a kind of settlement of insurance claim Online Processing System, including：
Request module is received, is configured to receive the online Claims Resolution tentative calculation request that requesting party sends；
Setting loss module is simulated, is configured to carry out simulation setting loss according to the online Claims Resolution tentative calculation request, obtains estimating Claims Resolution
The amount of money；
Premium increases volume computing module, is configured to be calculated according to the online Claims Resolution tentative calculation request progress premium increase volume,
Obtain because this declares Claims Resolution and caused by following premium increase volume；
Advisory information module, be configured to by by it is described estimate amount for which loss settled and the following premium and increase volume carry out pair
Than obtaining treatment advice information；
It is recommended that returning to module, it is configured to the treatment advice information returning to the requesting party.
The third aspect according to embodiments of the present invention, there is provided a kind of electronic equipment, including：Memory；Processor and storage
On the memory and the computer program that can run on the processor, realized when the program is by the computing device above-mentioned
Method and step.
According to the fourth aspect of the embodiment of the present disclosure, there is provided a kind of computer-readable medium, being stored thereon with computer can
Execute instruction, the executable instruction realize above-mentioned method and step when being executed by processor.
The settlement of insurance claim on-line processing method that there is provided according to embodiments of the present invention, system, electronic equipment and computer-readable
Medium, simulation setting loss is carried out according to online Claims Resolution tentative calculation request, and entered by the way that amount for which loss settled and following premium increase volume will be estimated
Row contrast, more rational treatment advice information is provided to car owner.
It should be appreciated that the general description and following detailed description of the above are only exemplary, this can not be limited
Inventive embodiments.
Brief description of the drawings
Be described in detail its example embodiment by referring to accompanying drawing, above and other target of the embodiment of the present invention, feature and
Advantage will become apparent.
Fig. 1 shows a kind of flow chart of settlement of insurance claim on-line processing method provided in an embodiment of the present invention.
Fig. 2 shows the flow chart of step S120 in Fig. 1 of the embodiment of the present invention.
Fig. 3 shows the flow chart of step S22 in Fig. 2 of the embodiment of the present invention.
Fig. 4 shows another flow chart of step S120 in Fig. 1 of the embodiment of the present invention.
Fig. 5 shows the flow chart of step S130 in Fig. 1 of the embodiment of the present invention.
Fig. 6 shows the flow chart of step S51 in Fig. 5 of the embodiment of the present invention.
Fig. 7 shows the flow chart of step S140 in Fig. 1 of the embodiment of the present invention.
Fig. 8 shows the flow chart after step S51 in Fig. 5 of the embodiment of the present invention.
Fig. 9 shows a kind of schematic diagram of settlement of insurance claim Online Processing System provided in an embodiment of the present invention.
Figure 10 shows the meter for being suitable to be used for realizing the electronic equipment of the embodiment of the present application that yet another embodiment of the invention provides
The structural representation of calculation machine system.
Embodiment
Example embodiment is described more fully with referring now to accompanying drawing.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, these embodiments are provided so that the embodiment of the present invention
Will more fully and completely, and the design of example embodiment is comprehensively communicated to those skilled in the art.Accompanying drawing is only
The schematic illustrations of the embodiment of the present invention, it is not necessarily drawn to scale.Identical reference represents identical or class in figure
As part, thus repetition thereof will be omitted.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In mode.In the following description, there is provided many details are so as to providing to the abundant of the embodiment of the embodiment of the present invention
Understand.It will be appreciated, however, by one skilled in the art that the technical scheme of the embodiment of the present invention can be put into practice and omitted described specific
It is one or more in details, or other methods, constituent element, device, step etc. can be used.In other cases, it is unknown
Carefully showing or describe known features, method, apparatus, realization, material or operation, a presumptuous guest usurps the role of the host and make it that the present invention is real to avoid
The each side for applying example thickens.
Some block diagrams shown in accompanying drawing are functional entitys, not necessarily must be with physically or logically independent entity phase
It is corresponding.These functional entitys can be realized using software form, or in one or more hardware modules or integrated circuit in fact
These existing functional entitys, or these functions reality is realized in heterogeneous networks and/or processor device and/or microcontroller device
Body.
For the purpose, technical scheme and advantage of the embodiment of the present invention are more clearly understood, below in conjunction with specific embodiment,
And referring to the drawings, the embodiment of the present invention is further described.
Usual vehicle insurance can reporting a case to the security authorities for car owner, situation damaged according to car and carries out setting loss, and settled a claim, but each train
Impaired will report a case to the security authorities not is wise move.Such as some it is less scratch, the expense settled a claim after setting loss is also seldom, but such as
Fruit occurs repeatedly to report a case to the security authorities, and easily causes the increase of coming year premium on the contrary, causing this time to report a case to the security authorities loses more than gain.On the other hand, some car owners exist
In the case of there is damaged vehicle, the influence whether settled a claim to number one can not be visually known, the embodiment of the present invention carries
The method of confession can give numerous car owners to provide and help well.
Fig. 1 shows a kind of flow chart of settlement of insurance claim on-line processing method provided in an embodiment of the present invention.
As shown in figure 1, in step s 110, receive the online Claims Resolution tentative calculation request that requesting party sends.The embodiment of the present invention
In requesting party can include but is not limited to client, for example, user can log in client (by taking mobile terminal as an example)
Settle a claim processing system, according to the essential information of guiding typing vehicle and relevant information (such as picture and/or the phase of this accident
The description text of pass), before the Claims Resolution that report a case to the security authorities, user, which can first click on " tentative calculation " button and be sent in lineation, pays for tentative calculation request.Need
It is noted that the Claims Resolution processing system in client can be APP, wechat public number etc..
As shown in figure 1, in the step s 120, simulation setting loss is carried out according to online Claims Resolution tentative calculation request, obtains estimating Claims Resolution
The amount of money.The online Claims Resolution tentative calculation request that Claims Resolution processing system is sent according to user carries out simulation setting loss, and Claims Resolution result is commented
Estimate, Fig. 2 and Fig. 4 show the specific steps of the step.
As shown in figure 1, in step s 130, premium increase volume is carried out according to online Claims Resolution tentative calculation request and calculated, obtain because
This declares Claims Resolution and caused following premium increase volume, and Fig. 5 shows the specific steps of the step.
As shown in figure 1, in step S140, contrasted, obtained by the way that amount for which loss settled and following premium increase volume will be estimated
To processing advisory information, Fig. 7 shows the specific steps of the step.
As shown in figure 1, in step S150, treatment advice information is returned into requesting party.Processing system of settling a claim is for using
The online Claims Resolution tentative calculation request that family is sent feeds back to the corresponding treatment advice information of user, and is sent to the client of user,
Line provides the reasonable proposal whether settled a claim for client.
By step S110~S150, this method carries out simulation setting loss according to online Claims Resolution tentative calculation request, and by by advance
Estimate amount for which loss settled to be contrasted with following premium increase volume, the pros and cons settled a claim and brought of reporting a case to the security authorities with the position balance of car owner, to car owner
More rational treatment advice information is provided.
Fig. 2 shows the flow chart of step S120 in Fig. 1 of the embodiment of the present invention.
As shown in Fig. 2 in the step s 21, by being parsed to online Claims Resolution tentative calculation request, judge online Claims Resolution tentative calculation
Whether request is picture.
As shown in Fig. 2 in step S22, when Claims Resolution tentative calculation request is picture online, according to picture and setting loss picture number
Match cognization is carried out according to the photo in storehouse, draws and estimates amount for which loss settled, Fig. 3 shows the specific steps of the step.
It should be noted that picture here can be one or more picture.In addition, according to picture and setting loss picture number
Before carrying out match cognization according to the photo in storehouse, it can also include：Judge whether picture meets setting loss requirement, if met,
The step of after continuation, (photo i.e. in picture and setting loss picture database carried out match cognization, draws and estimates Claims Resolution gold
Volume)；If do not met, remind user's picture not meet setting loss requirement, please uploading pictures again, and in visibility point or
Guided with obvious font and prompt the requirement of user's picture, such as the angle of picture, position comprising vehicle etc..
Fig. 3 shows the flow chart of step S22 in Fig. 2 of the embodiment of the present invention.
As shown in figure 3, in step S31, position is damaged according to picture recognition car.The step for mainly to the key of picture
Information is extracted, such as can recognize that car damages position in the key message such as vehicle tail or car door in picture.
As shown in figure 3, in step s 32, damaging position according to car and being matched with setting loss picture database, car damage journey is obtained
Degree.Setting loss picture database is a large amount of historical datas prestored, damages position including multiple cars and car damage position is pressed
Take the setting loss picture that different car damage degree are divided.Data volume in setting loss picture database is very big, can be according to car damage portion
Position is classified, such as can be included trickle damage, slight damage, typically be damaged and multiple damaged conditions such as badly damaged.
Under each classification respectively have identical car damage position difference car damage degree multiple pictures, can identify car damage position after from
This car damage finds out picture as the picture category uploaded with user as early as possible under position, by by the picture of acquisition and setting loss picture number
Matched according to storehouse, obtain car damage degree.
It should be noted that picture can be known using disaggregated model in step of the embodiment of the present invention S31 and S32
Not, car damage position and car damage degree are obtained, wherein disaggregated model can train to obtain according to the method for existing training pattern, herein
Repeat no more.
As shown in figure 3, in step S33, damage position for car and car damage degree is assessed, obtain estimating Claims Resolution gold
Volume.Position and car damage degree combination vehicle, parts price, maintenance man-hours etc. are damaged according to car and assess the general cost of this maintenance,
Because whole process is not real setting loss, but setting loss process is simulated, therefore assess obtained maintenance cost to be
Estimate amount for which loss settled.
Fig. 4 also illustrates another flow chart of step S120 in Fig. 1 of the embodiment of the present invention.
As shown in figure 4, in step S41, by being parsed to online Claims Resolution tentative calculation request, online Claims Resolution tentative calculation is judged
Whether request is text.
As shown in figure 4, in step S42, when Claims Resolution tentative calculation request is text online, keyword life is obtained according to text
Into the label for the online Claims Resolution tentative calculation request, the label includes car damage position and car damage degree.
As shown in figure 4, in step S43, contrasted according to label and historical data, obtain estimating amount for which loss settled, its
The historical data of car damage identification that middle historical data is that what is prestored be largely used to, including classified according to car damage type more
Individual label and corresponding amount for which loss settled.
It should be noted that two kinds of modes for according to online Claims Resolution tentative calculation request simulate setting loss shown in Fig. 2 and Fig. 4
It is merely illustrative, other modes can also be used to realize in other embodiments of the present invention, purpose is for obtaining car damage position
Degree is damaged with car, obtains estimating amount for which loss settled so as to complete simulation setting loss process, does not do more restrictions herein.
Fig. 5 shows the flow chart of step S130 in Fig. 1 of the embodiment of the present invention.
As shown in figure 5, in step s 51, according to future standard premium and claim times in the current year, this is calculated respectively
The following premium for not declaring Claims Resolution declares the following premium of Claims Resolution with this.Fig. 6 shows the specific steps of the step.
As shown in figure 5, in step S52, compare this following premium for not declaring Claims Resolution and declare Claims Resolution not with this
The difference come between premium, obtain following premium increase volume.
Fig. 6 shows the flow chart of step S51 in Fig. 5 of the embodiment of the present invention.
As shown in fig. 6, in step S61, according to future standard premium and the first coefficient, this is calculated and does not declare reason
The following premium of compensation.
As shown in fig. 6, in step S62, the second coefficient is determined according to claim times in the current year.
As shown in fig. 6, in step S63, according to future standard premium and the second coefficient, this is calculated and declares Claims Resolution
Following premium, wherein the first coefficient range is (0~1), the second coefficient is more than 1.
It should be noted that the first coefficient and the second coefficient in the embodiment of the present invention are for business risk according to official
Premium calculates the coefficient of setting, and according to location coefficient difference.Using certain car 2017 business risk premium as
Exemplified by 5000 yuan, according to the premium in 6 years futures in the case of step S61 calculating unreasonable compensations in 2017, according to step S62 and step
S63 calculates this and declares premium after Claims Resolution (namely in the case of reasonable compensation in 2017) in following 6 years, and table 1 is shown 2017
Whether there is the contrast situation that Claims Resolution influences on coming year premium.
Table 1
Fig. 7 shows the flow chart of step S140 in Fig. 1 of the embodiment of the present invention.
As shown in fig. 7, in step S71, contrasted by the way that amount for which loss settled and following premium increase volume will be estimated.
As shown in fig. 7, in step S72, it is less than following premium increase volume, treatment advice if estimating amount for which loss settled
It is not recommended that declare Claims Resolution.
As shown in fig. 7, in step S73, it is higher than following premium increase volume, treatment advice if estimating amount for which loss settled
It is recommended that declare Claims Resolution.
For following 1st year, volume can be increased according to the premium of this year and be contrasted with amount for which loss settled, provided processing and build
View, and following 2nd year~the 6th year premium influences that the accumulative contrast with amount for which loss settled of increase volume need to be considered, provides processing and builds
View.
Exemplified by shown in table 1, if there is within 2017 Claims Resolution, the premium of 2018 is 5882, and if 2017 unreasonable
Pay for, then the premium of 2018 is 4118, therefore it is 5882-4118=for the increase volume of following 1st year premium to calculate Claims Resolution
1764, similarly, it is respectively 1471,1177,1176,588 to calculate Claims Resolution to increase volume for following 2nd year~the 6th year premium,
0.If being concerned only with the increase volume to following 1st year premium, when this amount for which loss settled is less than 1764, it is not recommended that declare reason
Pay for；If paying close attention to the increase volume to following 2 years premiums, when this amount for which loss settled is less than to the premium of the 1st year future and the 2nd year
During increase volume sum (1764+1471=3235), it is not recommended that declare Claims Resolution；Similarly, if increase of the concern to following 3 years premiums
Volume, then when this amount for which loss settled is less than the increase volume sum (1764+1471+ to following 1st year, the 2nd year and the 3rd year premium
When 1471=4706), it is not recommended that declare Claims Resolution；……；The increase volume to the five-year premium is paid close attention to, then when this amount for which loss settled
During less than to the increase volume sum (1764+1471+1471+1177+588+0=6176) of following 1st year to the 5th year premium, no
It is recommended that declare Claims Resolution.
It should be noted that in the embodiment of the present invention while final treatment advice information is sent into requesting party,
These increase volumes and the increase being calculated volume sum can also be presented to car owner, be supported with providing specific data, be car
Main offer facility.
Fig. 8 obtains the flow chart for the treatment of advice after also illustrating step S51.
As shown in figure 8, in step S81, calculate this and declare the premium increase ratio that Claims Resolution is not declared in Claims Resolution compared with this.
As shown in figure 8, in step S82, premium increase ratio is contrasted with default sliding scales threshold value.
As shown in figure 8, in step S83, if premium increase ratio is more than default sliding scales threshold value, treatment advice
For it is not recommended that declaring Claims Resolution.
As shown in figure 8, in step S84, if premium increase ratio is less than default sliding scales threshold value, treatment advice
To suggest declaring Claims Resolution.
Still by taking table 1 as an example, premium increase ratio calculation formula is：Future N premium increase ratio=(future N
Year the premium of premium-then)/premium then.Exemplified by shown in table 1, if there is within 2017 Claims Resolution, following 1st year premium increases
Add the premium of ratio=(premium of following 1st year-then premium)/then, i.e., the premium increase ratio=(5882- of 2018
5000)/5000=17.6%, i.e. rise ratio are 17.6%, and the rise amount of money is 588 yuan.Similarly, calculate following 2nd year~not
Carry out premium increase ratio and the increase amount of money of the 6th year.
Due to multiple premium increase ratios can be calculated for many years, judge it is Ke Yiwei specific：If multiple following N
Minimum value in the premium increase ratio in year is more than default sliding scales threshold value, then it is it is not recommended that reason to obtain treatment advice information
Pay for；If the maximum in multiple following N premium increase ratio is less than default sliding scales threshold value, obtains processing and build
Information is discussed to suggest settling a claim, wherein default sliding scales threshold value can according to the big data of Claims Resolution processing system analyze
Arrive.
Method and step shown in Fig. 8 increases ratio, and the default floating ratio being calculated with big data by calculating premium
Example threshold value is compared, so as to provide more rational treatment advice to car owner.
In summary, settlement of insurance claim on-line processing method provided in an embodiment of the present invention, according to online Claims Resolution tentative calculation request
Simulation setting loss is carried out, and is contrasted by the way that amount for which loss settled will be estimated with following premium, by weighing Claims Resolution to caused by premium
Influence and report a case to the security authorities can obtain estimate amount for which loss settled, provide more rational treatment advice information to car owner.So, some
Car owner is accounted in the case where there is damaged vehicle by the treatment advice information provided to system, can be intuitively
The influence whether settled a claim to number one is solved, so as to include number one to greatest extent.
Fig. 9 shows a kind of schematic diagram of settlement of insurance claim Online Processing System provided in an embodiment of the present invention, as shown in figure 9,
The device 900 includes：Receive request module 910, simulation setting loss module 920, advisory information module 930, premium increase volume meter
Calculate module 940 and suggest returning to module 950.
Request module 910 is received to be configured to receive the online Claims Resolution tentative calculation request that requesting party sends；Simulate setting loss module 920
It is configured to carry out simulation setting loss according to online Claims Resolution tentative calculation request, obtains estimating amount for which loss settled；Premium increase volume computing module 930
Be configured to carry out premium increase volume according to online Claims Resolution tentative calculation request to calculate, obtain because this declares Claims Resolution and caused by following protect
Take increase volume；Advisory information module 940 is configured to be contrasted by that will estimate amount for which loss settled and following premium increase volume, obtains
Treatment advice information；It is configured to treatment advice information returning to requesting party it is recommended that returning to module 950.
Requesting party in the embodiment of the present invention can include but is not limited to client, for example, user can client (with
Exemplified by mobile terminal) on log in Claims Resolution processing system, according to guiding typing vehicle essential information and this accident correlation
Information (such as picture and/or description text of correlation), before the Claims Resolution that report a case to the security authorities, user can first click on the transmission of " tentative calculation " button
Online Claims Resolution tentative calculation request.It should be noted that the Claims Resolution processing system in client can be APP, wechat public number etc..
In addition, the function of modules is referring to the associated description in above method embodiment in system shown in Figure 9, herein not
Repeat again.
The settlement of insurance claim Online Processing System that this implementation provides can be realized and above-mentioned settlement of insurance claim on-line processing method phase
Same technique effect, here is omitted.
The third aspect according to embodiments of the present invention, there is provided a kind of electronic equipment, including：Memory；Processor and storage
On the memory and the computer program that can run on the processor, realized when the program is by the computing device above-mentioned
Method and step.
On the other hand, present invention also offers a kind of electronic equipment, including processor and memory, memory storage to be used for
The operational order of above-mentioned processor control following methods：
Receive the online Claims Resolution tentative calculation request that requesting party sends；
Simulation setting loss is carried out according to online Claims Resolution tentative calculation request, obtains estimating amount for which loss settled；
Contrasted by the way that amount for which loss settled will be estimated with following premium, obtain treatment advice information；
Treatment advice information is returned into requesting party.
Below with reference to Figure 10, it illustrates suitable for for realizing the computer system of the electronic equipment of the embodiment of the present invention
1000 structural representation.Electronic equipment shown in Figure 10 is only an example, should not to the function of the embodiment of the present application and
Use range brings any restrictions.
As shown in Figure 10, computer system 1000 includes CPU (CPU) 1001, its can according to be stored in only
Read the program in memory (ROM) 1002 or be loaded into from storage part 1007 in random access storage device (RAM) 1003
Program and perform various appropriate actions and processing.In RAM 1003, also it is stored with system 1000 and operates required various journeys
Sequence and data.CPU 1001, ROM 1002 and RAM 1003 are connected with each other by bus 1004.Input/output (I/O) interface
1005 are also connected to bus 1004.
I/O interfaces 1005 are connected to lower component：Importation 1006 including keyboard, mouse etc.；Including such as negative electrode
The output par, c 1007 of ray tube (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage part including hard disk etc.
1008；And the communications portion 1009 of the NIC including LAN card, modem etc..Communications portion 1009 passes through
Communication process is performed by the network of such as internet.Driver 1010 is also according to needing to be connected to I/O interfaces 1005.It is detachable to be situated between
Matter 1011, such as disk, CD, magneto-optic disk, semiconductor memory etc., it is arranged on as needed on driver 1010, so as to
Storage part 1008 is mounted into as needed in the computer program read from it.
Especially, according to an embodiment of the invention, it may be implemented as computer above with reference to the process of flow chart description
Software program.For example, embodiments of the invention include a kind of computer program product, it includes being carried on computer-readable medium
On computer program, the computer program include be used for execution flow chart shown in method program code.In such reality
To apply in example, the computer program can be downloaded and installed by communications portion 1009 from network, and/or from detachable media
1011 are mounted.When the computer program is performed by CPU (CPU) 1001, perform and limited in the system of the application
Above-mentioned function.
It should be noted that the computer-readable medium shown in the application can be computer-readable signal media or meter
Calculation machine computer-readable recording medium either the two any combination.Computer-readable medium for example may be-but not limited to-
Electricity, magnetic, optical, electromagnetic, system, device or the device of infrared ray or semiconductor, or it is any more than combination.It is computer-readable
The more specifically example of medium can include but is not limited to：Electrical connection with one or more wires, portable computer magnetic
Disk, hard disk, random access storage device (RAM), read-only storage (ROM), erasable programmable read only memory (EPROM or sudden strain of a muscle
Deposit), optical fiber, portable compact disc read-only storage (CD-ROM), light storage device, magnetic memory device or above-mentioned appoint
The suitable combination of meaning.In this application, computer-readable medium can be it is any include or the tangible medium of storage program, the journey
Sequence can be commanded the either device use or in connection of execution system, device.And in this application, it is computer-readable
Signal media can include in a base band or as carrier wave a part propagation data-signal, can wherein carrying computer
The program code of reading.The data-signal of this propagation can take various forms, including but not limited to electromagnetic signal, optical signal or
Above-mentioned any appropriate combination.Computer-readable signal media can also be any calculating beyond computer-readable medium
Machine computer-readable recording medium, the computer-readable medium can send, propagate and either transmit for by instruction execution system, device or device
Part uses or program in connection.The program code included on computer-readable medium can use any appropriate Jie
Matter is transmitted, and is included but is not limited to：Wirelessly, electric wire, optical cable, RF etc., or above-mentioned any appropriate combination.
Flow chart and block diagram in accompanying drawing, it is illustrated that according to the system of the various embodiments of the application, method and computer journey
Architectural framework in the cards, function and the operation of sequence product.At this point, each square frame in flow chart or block diagram can generation
The part of one module of table, program segment or code, a part for above-mentioned module, program segment or code include one or more
For realizing the executable instruction of defined logic function.It should also be noted that some as replace realization in, institute in square frame
The function of mark can also be with different from the order marked in accompanying drawing generation.For example, two square frames succeedingly represented are actual
On can perform substantially in parallel, they can also be performed in the opposite order sometimes, and this is depending on involved function.Also
It is noted that the combination of each square frame and block diagram in block diagram or flow chart or the square frame in flow chart, can use and perform rule
Fixed function or the special hardware based system of operation are realized, or can use the group of specialized hardware and computer instruction
Close to realize.
Being described in unit involved in the embodiment of the present application can be realized by way of software, can also be by hard
The mode of part is realized.Described unit can also be set within a processor, for example, can be described as：A kind of processor bag
Include transmitting element, acquiring unit, determining unit and first processing units.Wherein, the title of these units is under certain conditions simultaneously
The restriction in itself to the unit is not formed, for example, transmitting element is also described as " sending picture to the service end connected
Obtain the unit of request ".
On the other hand, the embodiment of the present invention additionally provides a kind of computer-readable medium, and the computer-readable medium can be with
It is included in the equipment described in above-described embodiment；Can also be individualism, and without be incorporated the equipment in.Above-mentioned meter
Calculation machine computer-readable recording medium carries one or more program, when said one or multiple programs are performed by the equipment,
So that the equipment includes following methods step：
Receive the online Claims Resolution tentative calculation request that requesting party sends；
Simulation setting loss is carried out according to online Claims Resolution tentative calculation request, obtains estimating amount for which loss settled；
According to online Claims Resolution tentative calculation request premium increase volume is carried out to calculate, obtain because this declares Claims Resolution and caused by future
Premium increases volume；
Contrasted by the way that amount for which loss settled and following premium increase volume will be estimated, obtain treatment advice information；
Treatment advice information is returned into requesting party.
It will be clearly understood that the embodiment of the present invention describes how to be formed and using particular example, but the embodiment of the present invention
Principle be not limited to any details of these examples.On the contrary, the teaching based on disclosure of the embodiment of the present invention, these principles
Numerous other embodiments can be applied to.
The illustrative embodiments of the present invention are particularly shown and described above.It should be appreciated that the present invention is implemented
Example is not limited to detailed construction, set-up mode or implementation method described herein；On the contrary, the embodiment of the present invention is intended to cover to be included in
Various modifications and equivalence setting in spirit and scope of the appended claims.
Claims (10)
- A kind of 1. settlement of insurance claim on-line processing method, it is characterised in that including：Receive the online Claims Resolution tentative calculation request that requesting party sends；Simulation setting loss is carried out according to the online Claims Resolution tentative calculation request, obtains estimating amount for which loss settled；According to the online Claims Resolution tentative calculation request premium increase volume is carried out to calculate, obtain because this declares Claims Resolution and caused by future Premium increases volume；By the way that the amount for which loss settled of estimating is contrasted with the following premium increase volume, treatment advice information is obtained；The treatment advice information is returned into the requesting party.
- 2. settlement of insurance claim on-line processing method according to claim 1, it is characterised in that according to the online Claims Resolution tentative calculation Request carry out simulation setting loss, obtain estimating amount for which loss settled be specially：By being parsed to the online Claims Resolution tentative calculation request, judge whether the online Claims Resolution tentative calculation request is picture；When the online Claims Resolution tentative calculation request is picture, the photo progress in the picture and setting loss picture database With identification, draw and described estimate amount for which loss settled.
- 3. settlement of insurance claim on-line processing method according to claim 2, it is characterised in that according to the picture and setting loss figure Photo in valut carries out match cognization, draws and described estimate amount for which loss settled and be specially：Position is damaged according to the picture recognition car；Position is damaged according to the car to be matched with the setting loss picture database, car damage degree is obtained, wherein the setting loss figure Sheet data storehouse includes the setting loss photo that multiple car damage positions and car damage position are divided according to different cars damage degree；Position is damaged for the car and car damage degree is assessed, and obtains described estimating amount for which loss settled.
- 4. settlement of insurance claim on-line processing method according to claim 1, it is characterised in that according to the online Claims Resolution tentative calculation Request carries out premium increase volume and calculated, obtain because this declares Claims Resolution and caused by following premium increase volume be specially：According to future standard premium and claim times in the current year, following premium and this that this does not declare Claims Resolution are calculated respectively Declare the following premium of Claims Resolution；Compare it is described this do not declare Claims Resolution following premium and described this declare difference between the following premium of Claims Resolution, obtain Obtain the following premium increase volume.
- 5. settlement of insurance claim on-line processing method according to claim 4, it is characterised in that according to future standard premium and this Claim times in year, calculate respectively this do not declare Claims Resolution following premium and this declare Claims Resolution following premium it is specific For：According to the future standard premium and the first coefficient, described this is calculated and does not declare the following premium of Claims Resolution；The second coefficient is determined according to claim times in the current year；According to the future standard premium and second coefficient, described this is calculated and declares the following premium of Claims Resolution；The scope of wherein described first coefficient is (0~1), and second coefficient is more than 1.
- 6. settlement of insurance claim on-line processing method according to claim 1, it is characterised in that by estimating Claims Resolution gold by described Volume is contrasted with the following premium increase volume, and obtaining treatment advice information is specially：By by it is described estimate amount for which loss settled and the following premium and increase volume contrasted, if described, to estimate amount for which loss settled low In the following premium increase volume, then the treatment advice is it is not recommended that declaring Claims Resolution；If the amount for which loss settled of estimating is higher than The following premium increase volume, then the treatment advice is that Claims Resolution is declared in suggestion.
- 7. settlement of insurance claim on-line processing method according to claim 4, it is characterised in that obtain this and do not declare Claims Resolution Following premium and after this declares the following premium of Claims Resolution, the settlement of insurance claim on-line processing method also includes：Calculate this and declare the premium increase ratio that Claims Resolution is not declared in Claims Resolution compared with this；Premium increase ratio is contrasted with default sliding scales threshold value, if premium increase ratio is more than described Default sliding scales threshold value, then the treatment advice is it is not recommended that declaring Claims Resolution；If the premium increase ratio is less than described Default sliding scales threshold value, then the treatment advice is that Claims Resolution is declared in suggestion.
- A kind of 8. settlement of insurance claim Online Processing System, it is characterised in that including：Request module is received, is configured to receive the online Claims Resolution tentative calculation request that requesting party sends；Setting loss module is simulated, is configured to carry out simulation setting loss according to the online Claims Resolution tentative calculation request, obtains estimating amount for which loss settled；Premium increases volume computing module, is configured to be calculated according to the online Claims Resolution tentative calculation request progress premium increase volume, obtains Because this declares Claims Resolution and caused by following premium increase volume；Advisory information module, it is configured to, by the way that the amount for which loss settled of estimating is contrasted with the following premium increase volume, obtain To processing advisory information；It is recommended that returning to module, it is configured to the treatment advice information returning to the requesting party.
- 9. a kind of electronic equipment, including：Memory；Processor and it is stored on the memory and can runs on the processor Computer program, it is characterised in that the method step described in claim any one of 1-7 is realized when the program is by the computing device Suddenly.
- 10. a kind of computer-readable medium, is stored thereon with computer executable instructions, it is characterised in that the executable finger The method and step as described in claim any one of 1-7 is realized when order is executed by processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711089945.5A CN107730215A (en) | 2017-11-08 | 2017-11-08 | Settlement of insurance claim on-line processing method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711089945.5A CN107730215A (en) | 2017-11-08 | 2017-11-08 | Settlement of insurance claim on-line processing method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107730215A true CN107730215A (en) | 2018-02-23 |
Family
ID=61222952
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711089945.5A Pending CN107730215A (en) | 2017-11-08 | 2017-11-08 | Settlement of insurance claim on-line processing method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107730215A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108898500A (en) * | 2018-06-25 | 2018-11-27 | 平安科技（深圳）有限公司 | Measuring method, device, computer equipment and the storage medium of house property Claims Resolution |
| CN109255718A (en) * | 2018-06-28 | 2019-01-22 | 平安科技（深圳）有限公司 | Insurance benefits method and apparatus, computer equipment and readable storage medium storing program for executing |
| CN109636053A (en) * | 2018-12-20 | 2019-04-16 | 黄凤南 | A kind of car accident solution optimization system |
| CN113763187A (en) * | 2020-12-02 | 2021-12-07 | 北京京东振世信息技术有限公司 | Claim settlement result determining method, and claim settlement request sending method and device |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1680955A (en) * | 2004-04-09 | 2005-10-12 | 乐金电子(中国)研究开发中心有限公司 | Insurance processing and judging system and method by multimedia data of mobile communication terminals |
| CN104361744A (en) * | 2014-11-18 | 2015-02-18 | 昆明融致升贸易有限公司 | Method and system for acquiring automobile traffic accident treatment suggests |
| CN106204286A (en) * | 2016-07-18 | 2016-12-07 | 深圳市永兴元科技有限公司 | Vehicle premium generates method and system |
| CN106296126A (en) * | 2016-08-09 | 2017-01-04 | 深圳市永兴元科技有限公司 | Vehicle insurance settling fee Forecasting Methodology and device |
| CN106780048A (en) * | 2016-11-28 | 2017-05-31 | 中国平安财产保险股份有限公司 | A kind of self-service Claims Resolution method of intelligent vehicle insurance, self-service Claims Resolution apparatus and system |
| CN107203943A (en) * | 2017-04-06 | 2017-09-26 | 北京保程保险公估有限公司 | Motor vehicle business insurance pricing system |
-
2017
- 2017-11-08 CN CN201711089945.5A patent/CN107730215A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1680955A (en) * | 2004-04-09 | 2005-10-12 | 乐金电子(中国)研究开发中心有限公司 | Insurance processing and judging system and method by multimedia data of mobile communication terminals |
| CN104361744A (en) * | 2014-11-18 | 2015-02-18 | 昆明融致升贸易有限公司 | Method and system for acquiring automobile traffic accident treatment suggests |
| CN106204286A (en) * | 2016-07-18 | 2016-12-07 | 深圳市永兴元科技有限公司 | Vehicle premium generates method and system |
| CN106296126A (en) * | 2016-08-09 | 2017-01-04 | 深圳市永兴元科技有限公司 | Vehicle insurance settling fee Forecasting Methodology and device |
| CN106780048A (en) * | 2016-11-28 | 2017-05-31 | 中国平安财产保险股份有限公司 | A kind of self-service Claims Resolution method of intelligent vehicle insurance, self-service Claims Resolution apparatus and system |
| CN107203943A (en) * | 2017-04-06 | 2017-09-26 | 北京保程保险公估有限公司 | Motor vehicle business insurance pricing system |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108898500A (en) * | 2018-06-25 | 2018-11-27 | 平安科技（深圳）有限公司 | Measuring method, device, computer equipment and the storage medium of house property Claims Resolution |
| CN109255718A (en) * | 2018-06-28 | 2019-01-22 | 平安科技（深圳）有限公司 | Insurance benefits method and apparatus, computer equipment and readable storage medium storing program for executing |
| WO2020000803A1 (en) * | 2018-06-28 | 2020-01-02 | 平安科技（深圳）有限公司 | Insurance compensation settlement method and apparatus, computer device and readable storage medium |
| CN109636053A (en) * | 2018-12-20 | 2019-04-16 | 黄凤南 | A kind of car accident solution optimization system |
| CN113763187A (en) * | 2020-12-02 | 2021-12-07 | 北京京东振世信息技术有限公司 | Claim settlement result determining method, and claim settlement request sending method and device |
| CN113763187B (en) * | 2020-12-02 | 2023-11-07 | 北京京东振世信息技术有限公司 | Method for determining claim result, method and device for sending claim request |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107730215A (en) | Settlement of insurance claim on-line processing method and system | |
| US20200065885A1 (en) | System and method for providing comprehensive vehicle information | |
| CN109919684A (en) | For generating method, electronic equipment and the computer readable storage medium of information prediction model | |
| US20140114694A1 (en) | Systems and methods for determining insurance decisions based on social network data | |
| CN109360012A (en) | The selection method and device, storage medium, electronic equipment of advertisement dispensing channel | |
| CN108171260A (en) | A kind of image identification method and system | |
| EP3441891A1 (en) | Data source-based service customisation apparatus, method, system, and storage medium | |
| CN106897905B (en) | Method and device for pushing information and electronic equipment | |
| US20190147539A1 (en) | Method and apparatus for outputting information | |
| CN110070430A (en) | Assess method and device, the storage medium, electronic equipment of refund risk | |
| CN112101520A (en) | Risk assessment model training method, business risk assessment method and other equipment | |
| CN107609958A (en) | Behavioral guidance strategy determines method and device, storage medium and electronic equipment | |
| CN109086834A (en) | Character identifying method, device, electronic equipment and storage medium | |
| CN110349035A (en) | Transaction processing system and method | |
| CN109711696A (en) | Enterprise's methods of marking, device, medium and electronic equipment | |
| CN109636242A (en) | Enterprise's methods of marking, device, medium and electronic equipment | |
| CN107908742A (en) | Method and apparatus for output information | |
| KR20200069126A (en) | Used car price calculation system and method to replace vehicle information input by using public data | |
| CN111598122B (en) | Data verification method and device, electronic equipment and storage medium | |
| CN106056445A (en) | Loan system, loan information display method and system, and loan information processing method and system | |
| CN110704599A (en) | Method and device for generating samples for prediction model and method and device for training prediction model | |
| CN113011961B (en) | Method, device, equipment and storage medium for monitoring risk of company-related information | |
| CN107798125B (en) | Access judgment method, system, equipment and storage medium based on intimacy model | |
| CN107644102A (en) | Data characteristics building method and device, storage medium, electronic equipment | |
| CN116843483A (en) | Vehicle insurance claim settlement method, 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 | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180223 |