CN107818450A

CN107818450A - Vehicle insurance answers calamity processing method, device, computer equipment and storage medium

Info

Publication number: CN107818450A
Application number: CN201711026196.1A
Authority: CN
Inventors: 朱菊花; 褚秋实; 张发友
Original assignee: Ping An Technology Shenzhen Co Ltd
Current assignee: Ping An Technology Shenzhen Co Ltd
Priority date: 2017-10-27
Filing date: 2017-10-27
Publication date: 2018-03-20
Anticipated expiration: 2037-10-27
Also published as: CN107818450B; WO2019080236A1

Abstract

Calamity processing method, device, computer equipment and computer-readable recording medium are answered the present invention relates to a kind of vehicle insurance.The vehicle insurance answers calamity processing method to include：Receive disaster warning message and vehicle insurance is reported a case to the security authorities information；Disaster urban sign according to specified by disaster guards against message goes out urban sign from vehicle insurance information sifting of reporting a case to the security authorities, and urban sign matches with disaster urban sign；The filtered out vehicle insurance of analysis is reported a case to the security authorities information and corresponding receives frequency；When vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, message arrangement is guarded against according to disaster and answers calamity to accept configuration information；According to answering calamity to accept the corresponding simple flow of configuration information, handle and answer calamity to accept the vehicle insurance that configuration information matches and report a case to the security authorities information.It can cause in vehicle insurance crush of cases, can be reported a case to the security authorities information according to answering calamity to accept configuration information and quickly handle vehicle insurance, information can be by timely processing so that vehicle insurance is reported a case to the security authorities, and then improves the efficiency of the vehicle insurance case information processing when disaster occurs.

Description

Vehicle insurance answers calamity processing method, device, computer equipment and storage medium

Technical field

The present invention relates to vehicle insurance case process field, and calamity processing method, device, calculating are answered more particularly to a kind of vehicle insurance Machine equipment and computer-readable recording medium.

Background technology

With expanding economy, insurance business has also obtained significant progress, and vehicle insurance is more important in insurance business Business.Generally, vehicle insurance case due to the amount of money being related to it is larger, under the consideration based on security, it will usually arrange Staff under staff and line on line cooperates with processing vehicle insurance case, to cause the Claims Resolution gold of vehicle insurance case to obtain safety While guarantee, the efficiency of processing vehicle insurance case is improved.

But after the disaster of burst, the quantity of vehicle insurance case can sharply increase, and in order to ensure the reason of vehicle insurance case Pay for gold security, handle vehicle insurance case according to the processing method of traditional scheme, can cause staff can not timely processing, So that vehicle insurance case redundancy, the efficiency for handling vehicle insurance case is very low.

The content of the invention

Based on this, it is necessary to handle vehicle insurance case for the processing method according to traditional scheme, staff can be caused Can not timely processing so that vehicle insurance case redundancy, handle vehicle insurance case efficiency it is very low the problem of, there is provided a kind of vehicle insurance answers calamity Processing method, device, computer equipment and computer-readable recording medium.

A kind of vehicle insurance answers calamity processing method, including：

Receive disaster warning message and vehicle insurance is reported a case to the security authorities information；

Disaster urban sign according to specified by the disaster guards against message goes out city from vehicle insurance information sifting of reporting a case to the security authorities Mark, the urban sign match with the disaster urban sign；

The vehicle insurance that is filtered out is analyzed to report a case to the security authorities information and corresponding receives frequency；

When the vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, guarding against message arrangement according to the disaster should Calamity accepts configuration information；

Calamity is answered to accept the corresponding simple flow of configuration information according to described, processing answers calamity to accept configuration information phase with described The vehicle insurance matched somebody with somebody is reported a case to the security authorities information.

In one embodiment, it is described when the vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, according to institute Stating disaster warning message arrangement answers calamity to accept configuration information, including：

Obtain the disaster urban sign specified by the disaster warning message and disaster period；

When answering calamity urban sign according to disaster urban sign configuration, and calamity answered according to disaster period configuration Between section；

From answer in calamity authority identification list obtain specify answer calamity authority identification；

Answered according to configuration calamity urban sign and it is described answer the calamity period and it is described answer calamity authority identification generation answer calamity Accept configuration information.

In one embodiment, it is described to answer calamity to accept the corresponding simple flow of configuration information according to described, processing with it is described Answer calamity to accept the vehicle insurance that configuration information matches to report a case to the security authorities information, including：

Analyze the vehicle insurance to report a case to the security authorities information, obtain the vehicle insurance and report a case to the security authorities time point of reporting a case to the security authorities that information includes, phone number number Code and Notified body mark；

Reported a case to the security authorities described in judgement time point with it is described answer calamity period, the phone number number corresponding ownership place mark with It is described answer calamity urban sign and the authority identification with it is described answer calamity urban sign match whether and meanwhile set up；

Calamity processing mark is answered in information flag if so, then the vehicle insurance is reported a case to the security authorities；

If it is not, then vehicle insurance conventional treatment in information flag of reporting a case to the security authorities is identified.

In one embodiment, it is described the vehicle insurance received is reported a case to the security authorities calamity processing mark is answered in information flag after, it is described Method also includes：

Analyze the vehicle insurance to report a case to the security authorities information, obtain the vehicle insurance and report a case to the security authorities the information place of being in danger included, reason mark of being in danger And incident identification；

Be in danger described in judgement the corresponding urban sign in place with it is described answer calamity urban sign, it is described be in danger reason mark with it is pre- If reason mark and the incident identification match invalid with least one in default incident identification three；

If so, then by the marked vehicle insurance for answering calamity processing mark report a case to the security authorities information re-flag it is described it is conventional at Reason mark.

In one embodiment, it is described to answer calamity to accept configuration information also including answering calamity assistant director to identify；Methods described also includes：

Whether the vehicle insurance information of reporting a case to the security authorities of calamity processing mark is answered described in judge mark can trigger default straight compensation condition；

If so, then send phone setting loss information；

If it is not, answer that calamity accepts that configuration information includes described in then choosing it is described answer calamity assistant director to identify, and send according to institute State answer calamity assistant director identify generation answer calamity to send work information.

In one embodiment, it is described to answer calamity to send work information to include repair shop's mark link；Methods described also includes：

Reception triggers repair shop's mark and links fed back repair shop's mark acquisition instruction；

Identified according to the repair shop and obtain instruction transmission maintenance factory presentation web page file；Maintenance factory's presentation web page text Part correspondingly opens maintenance factory's presentation web page；

Receive the determination information identified to the maintenance factory shown by maintenance factory's presentation web page；

Calamity is answered to send work information described according to the determination Information revision and sending.

A kind of vehicle insurance answers calamity device, and described device includes：

Information receiving module, reported a case to the security authorities information for receiving disaster warning message and vehicle insurance；

Information sifting module, for the disaster urban sign specified by guarding against message according to the disaster from the vehicle insurance report Case information sifting goes out urban sign, and the urban sign matches with the disaster urban sign；

Information analysis module, reported a case to the security authorities information and corresponding receives frequency for analyzing the vehicle insurance that is filtered out；

Information collocation module, for when the vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, according to described Disaster warning message arrangement answers calamity to accept configuration information；

Message processing module, for answering calamity to accept the corresponding simple flow of configuration information according to described, processing is answered with described Calamity accepts the vehicle insurance that configuration information matches and reported a case to the security authorities information.

In one embodiment, described information configuration module includes：

Urban sign acquisition module, when guarding against the disaster urban sign and disaster specified by message for obtaining the disaster Between section；

Identification information configuration module, for answering calamity urban sign according to disaster urban sign configuration, and according to institute State the configuration of disaster period and answer the calamity period；

Authority identification acquisition module, for from answer in calamity authority identification list obtain specify answer calamity authority identification；

Configuration information generation module, for answering calamity urban sign according to configuration and described answering calamity period and institute State and answer the generation of calamity authority identification to answer calamity to accept configuration information.

A kind of computer-readable recording medium, computer program is stored with, when the computer program is executed by processor, So that the computing device any one of as above methods described the step of.

A kind of computer equipment, including memory and processor, the memory storage have computer program, the calculating When machine program is by the computing device so that the computing device any one of as above methods described the step of.

Above-mentioned vehicle insurance answers calamity processing method, device, computer equipment and computer-readable recording medium, by according to calamity Evil warning message information of reporting a case to the security authorities vehicle insurance is screened, and the information that can be reported a case to the security authorities according to disaster urban sign vehicle insurance is screened, So that the vehicle insurance screened is reported a case to the security authorities, information needs to answer calamity, so that vehicle insurance is reported a case to the security authorities, the corresponding receives frequency of message can Reflect the current disaster degree in the corresponding region of urban sign that vehicle insurance is reported a case to the security authorities included by message.And surpass according to receives frequency When crossing alarm threshold, it can be determined that go out the vehicle insurance case information redundancy that the current disaster degree in the region can cause to receive.Cause This is judging that vehicle insurance case information can guard against message arrangement according to disaster and answer calamity to accept configuration information after redundancy, further according to should Calamity accepts configuration information processing vehicle insurance and reported a case to the security authorities information, can cause in vehicle insurance crush of cases, can be according to answering calamity to accept Configuration information quickly handles vehicle insurance and reported a case to the security authorities information, so that vehicle insurance is reported a case to the security authorities, information can be by timely processing, and then improves in calamity The efficiency of vehicle insurance case information processing when evil occurs.

Brief description of the drawings

Fig. 1 is the applied environment figure for answering calamity processing method of vehicle insurance in one embodiment；

Fig. 2 is the schematic flow sheet for answering calamity processing method of vehicle insurance in one embodiment；

Fig. 3 is the schematic flow sheet for answering calamity processing method of vehicle insurance in another embodiment；

Fig. 4 is the structured flowchart for answering calamity processing unit of vehicle insurance in one embodiment；

Fig. 5 is the structured flowchart for answering calamity processing unit of vehicle insurance in one embodiment；

Fig. 6 is the structured flowchart for answering calamity processing unit of vehicle insurance in one embodiment；

Fig. 7 is the structured flowchart for answering calamity processing unit of vehicle insurance in one embodiment；

Fig. 8 is the structured flowchart for answering calamity processing unit of vehicle insurance in one embodiment；

Fig. 9 is the structured flowchart of one embodiment Computer equipment.

Embodiment

In order that the object, technical solution and advantage of the application are more clearly understood, it is right below in conjunction with drawings and Examples The application is further elaborated.It should be appreciated that specific embodiment described herein is only to explain the application, and It is not used in restriction the application.

Fig. 1 is the applied environment figure for answering calamity processing method of vehicle insurance in one embodiment.Reference picture 1, the vehicle insurance answer calamity Processing method answers calamity processing system applied to vehicle insurance.The vehicle insurance answers calamity processing system to include terminal 110 and server 120. Terminal 110 and server 120 pass through network connection.Server 120 receives the vehicle insurance report that disaster warning message and terminal 110 are sent Case information, the disaster urban sign specified by message is guarded against by disaster screen the vehicle insurance that terminal 110 is sent and report a case to the security authorities information, so as to Vehicle insurance according to filtering out is reported a case to the security authorities information and corresponding receives frequency, exceedes alarm threshold in the report a case to the security authorities receives frequency of information of vehicle insurance When, message arrangement is guarded against according to disaster and answers calamity to accept configuration information, stream can be simplified accordingly according to answering calamity to accept configuration information Journey, what processing terminal 110 was sent reports a case to the security authorities information with answering calamity to accept the vehicle insurance that configuration information matches.Terminal 110 can be specifically Terminal console or mobile terminal, mobile terminal specifically can be with least one of mobile phone, tablet personal computer, notebook computers etc..Clothes Business device 120 can with independent server either multiple server groups into server cluster realize.

As shown in Fig. 2 in one embodiment, there is provided a kind of vehicle insurance answers calamity processing method.The present embodiment mainly with This method is applied to the server 120 in above-mentioned Fig. 1 to illustrate.Reference picture 2, the vehicle insurance answer calamity processing method specifically to wrap Include following steps：

S202, receives disaster warning message and vehicle insurance is reported a case to the security authorities information.

Wherein, guard when early warning information and disaster when disaster warning message has not occurred including disaster have occurred and that disappears Breath.The method for receiving disaster warning message can be specifically the calamity issued by monitoring the meteorological platform such as meteorological observatory or weather web site Evil guards against message or guards against message from interconnection internet retrieval news to obtain disaster.Vehicle insurance information of reporting a case to the security authorities is vehicle insurance Report a case to the security authorities information.Vehicle insurance can specifically include vehicle loss danger, business third party liability insurance, danger of paddling, spontaneous combustion loss danger and glass Independent risk of breakage etc..

In one embodiment, server persistently receives vehicle insurance and reported a case to the security authorities information, and the vehicle insurance of acquisition information of reporting a case to the security authorities is put into phase In the database answered, and by the monitoring to meteorological platform, to obtain disaster warning message, so as to which server can be according to acquisition The disaster warning message vehicle insurance coming in garbled data storehouse to store report a case to the security authorities information.

In one embodiment, server persistently receives vehicle insurance and reported a case to the security authorities information, and the vehicle insurance of acquisition information of reporting a case to the security authorities is put into phase In the database answered, and receive the disaster inputted by input unit and guard against message, so as to which server can be according to acquisition The disaster warning message vehicle insurance coming in garbled data storehouse to store is reported a case to the security authorities information.

S204, disaster urban sign according to specified by disaster guards against message go out of the city town-brand from vehicle insurance information sifting of reporting a case to the security authorities Know, urban sign matches with disaster urban sign.

Wherein, disaster urban sign is the mark in the city that disaster will occur or have occurred and that disaster.Urban sign is The mark in the city based on administrative division.

Specifically, server identifies the disaster urban sign in disaster warning message, and identifies that vehicle insurance is reported a case to the security authorities letter Urban sign in breath, the vehicle insurance that urban sign and disaster urban sign match is filtered out in reporting a case to the security authorities information from vehicle insurance and is reported a case to the security authorities letter Breath.

In one embodiment, server identifies the disaster urban sign in disaster warning message, and identifies car Urban sign in information of nearly reporting a case to the security authorities, the urban sign filtered out in reporting a case to the security authorities information from vehicle insurance match with disaster urban sign Vehicle insurance information of reporting a case to the security authorities be put into and answer calamity to handle buffering area, and urban sign and the unmatched vehicle insurance of disaster urban sign are reported a case to the security authorities In information returned data storehouse, the vehicle insurance in calamity processing buffering area is answered to report a case to the security authorities information so as to which server can be analyzed.

S206, the filtered out vehicle insurance of analysis are reported a case to the security authorities information and corresponding receives frequency.

Wherein, receives frequency is that vehicle insurance is reported a case to the security authorities the quantity that information receives in unit interval.Unit interval specifically may be used To be one hour.

In one embodiment, the vehicle insurance that server analysis filters out information of reporting a case to the security authorities is reported a case to the security authorities time point accordingly, with analysis An earliest the initial segment of the time point as unit interval of reporting a case to the security authorities, is counted in unit interval in the time point of reporting a case to the security authorities gone out The vehicle insurance received is reported a case to the security authorities the quantity of information, is reported a case to the security authorities the receives frequency of information with obtaining vehicle insurance, and then analyze the big of receives frequency It is small.

S208, when vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, message arrangement is guarded against according to disaster and answers calamity Accept configuration information.

Wherein, alarm threshold is pre-set to monitor the threshold value of receives frequency.The specific numerical value of alarm threshold can root Configured according to the quantity of online staff identification, alarm threshold is represented in unit interval, current online work Staff corresponding to giver identification can handle the vehicle insurance received and report a case to the security authorities the maximum quantity of information.Alarm threshold can also It is the numerical value inputted by input unit.It is to handle vehicle insurance to report a case to the security authorities the configuration information of information to answer calamity to accept configuration information.

In one embodiment, the quantity of the current online staff identification of server detection, is marked according to staff Knowledge quantity generation alarm threshold, so as to monitor vehicle insurance report a case to the security authorities information receives frequency exceed generation alarm threshold when, Guarding against message arrangement according to disaster answers calamity to accept configuration information.

S210, according to answering calamity to accept the corresponding simple flow of configuration information, handle and answer calamity to accept configuration information and match Vehicle insurance report a case to the security authorities information.

Wherein, simple flow be handle vehicle insurance report a case to the security authorities information process simplification after flow.Simple flow specifically can letter Change the step of partial information is examined in information of reporting a case to the security authorities vehicle insurance, such as it is non-at-scene the step of reporting a case to the security authorities, confirmation setting loss to examine The step of the step of the step of the step of place, verification are non-normally travels, binding declaration form and inquiry customer action etc..

In one embodiment, server information of reporting a case to the security authorities the vehicle insurance received is analyzed, and is chosen and is answered calamity to accept and match somebody with somebody The vehicle insurance for putting information match is reported a case to the security authorities information, and according to answering calamity to accept the corresponding simple flow of configuration information, handles the car of selection Report a case to the security authorities information danger.

Above-mentioned vehicle insurance answers calamity processing method, is screened by guarding against message information of reporting a case to the security authorities vehicle insurance according to disaster, can Screened with information of being reported a case to the security authorities according to disaster urban sign vehicle insurance so that the vehicle insurance screened information of reporting a case to the security authorities is to need to answer calamity , so that vehicle insurance is reported a case to the security authorities, the corresponding receives frequency of message can reflect the urban sign phase that vehicle insurance is reported a case to the security authorities included by message The current disaster degree in the region answered.And when exceeding alarm threshold according to receives frequency, it can be determined that it is current to go out the region Disaster degree can cause the vehicle insurance case information redundancy received.Therefore after vehicle insurance case information meeting redundancy is judged, according to Disaster warning message arrangement answers calamity to accept configuration information, is reported a case to the security authorities information further according to answering calamity to accept configuration information processing vehicle insurance, can be with So that in vehicle insurance crush of cases, can be reported a case to the security authorities information according to answering calamity to accept configuration information and quickly handle vehicle insurance, so that Vehicle insurance report a case to the security authorities information can be by timely processing, and then improve the efficiency of the vehicle insurance case information processing when disaster occurs.

In one embodiment, when vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, disappeared according to disaster warning Breath configuration answers calamity to accept configuration information, including：Obtain the disaster urban sign specified by disaster warning message and disaster period； Calamity urban sign is answered according to the configuration of disaster urban sign, and the calamity period is answered according to the configuration of disaster period；From answering calamity mechanism What acquisition was specified in identification list answers calamity authority identification；Answering calamity urban sign and answering the calamity period and answer calamity machine according to configuration Structure mark generation answers calamity to accept configuration information.

Wherein, the disaster period is disaster duration.It is the city for needing to tackle disaster to answer calamity urban sign Mark.It is the period for needing to tackle disaster to answer the calamity period.Answer the mark that calamity authority identification is the structure for handling vehicle insurance.Answer calamity Authority identification can be specifically the mark of insurance company.

In one embodiment, server analyze vehicle insurance report a case to the security authorities information receives frequency after, contrast receives frequency and Alarm threshold.If receives frequency is less than alarm threshold, handles the vehicle insurance that receives according to normal flow and report a case to the security authorities information；If receive Frequency is more than alarm threshold, then calamity city is answered in the disaster urban sign according to specified by disaster guards against message and the configuration of disaster period City identify and answer the calamity period, and from answer in calamity authority identification list obtain specify answer calamity authority identification, according to configuration Answer calamity urban sign and answer the calamity period and answer the generation of calamity authority identification to answer calamity to accept configuration information, server can be according to life Into calamity of answering accept the corresponding simple flow of configuration information, processing answers calamity to accept the vehicle insurance report that configuration information matches with generation Case information.

, should by the disaster urban sign according to specified by disaster warning message and the configuration of disaster period in the present embodiment Calamity urban sign and the calamity period is answered, can accurately configure and answer calamity urban sign and answer the calamity period, so that according to Answer calamity urban sign and answer the calamity period and answer calamity authority identification generate answer calamity to accept configuration information, can accurately handle The vehicle insurance to match with disaster urban sign and disaster period is reported a case to the security authorities information, so cause due to disaster occurs when cause car Information is reported a case to the security authorities when increasing in danger, is reported a case to the security authorities information according to answering calamity to accept configuration information can efficiently to handle vehicle insurance, improves processing car The efficiency for information of nearly reporting a case to the security authorities.

In one embodiment, according to answering calamity to accept the corresponding simple flow of configuration information, handle and answer calamity to accept configuration The vehicle insurance of information match is reported a case to the security authorities information, including：Analysis vehicle insurance is reported a case to the security authorities information, and obtain that vehicle insurance reports a case to the security authorities that information includes reports a case to the security authorities the time Point, phone number number and Notified body mark；Judgement report a case to the security authorities time point with answering the calamity period, phone number number is corresponding returns Possession identify with answer calamity urban sign and authority identification with answer calamity urban sign match whether and meanwhile set up；If so, then by car Danger, which is reported a case to the security authorities, answers calamity processing mark in information flag；If it is not, then vehicle insurance conventional treatment in information flag of reporting a case to the security authorities is identified.

Wherein, report a case to the security authorities time point be vehicle insurance report a case to the security authorities information transmission time point.Phone number number is that vehicle insurance is reported a case to the security authorities information Described in telephone number.The ownership place mark of telephone number can specifically be matched somebody with somebody according to the standard that common carrier provides Put.Notified body mark is that vehicle insurance is reported a case to the security authorities the mark of the mechanism of designated treatment vehicle insurance in information.Notified body mark specifically can be with It is the mark of insurance company.Answer calamity processing mark to be instruction and handle vehicle insurance according to answering calamity to accept the corresponding simple flow of configuration information The mark for information of reporting a case to the security authorities.Conventional treatment mark is instruction reports a case to the security authorities the mark of information according to normal flow processing vehicle insurance.

In one embodiment, after server configuration answers calamity to accept configuration information, configuration information change is accepted according to calamity is answered Terminal sends vehicle insurance and reported a case to the security authorities the rule of information, and is reported a case to the security authorities information receiving the vehicle insurance that terminal sends according to the rule after change When, answering calamity urban sign, answer the calamity period and answering calamity authority identification in configuration information is accepted according to calamity, judgement is reported a case to the security authorities time point With answering the calamity period to match, phone number number corresponding ownership place mark matches and authority identification with answering calamity urban sign With answering calamity urban sign to match, and it will determine that three sets up in result vehicle insurance to report a case to the security authorities in information flag and answer calamity processing mark Know, with information of being reported a case to the security authorities according to the vehicle insurance for answering calamity processing to identify on simple flow processing mark, and will determine that in result in three Conventional treatment identifies at least on an invalid mark, to handle the car of the upper conventional treatment mark of mark according to normal flow Report a case to the security authorities information danger.

Wherein, in judged result in three at least one it is invalid, specifically judge to report a case to the security authorities time point and to answer the calamity time Section matches, phone number number corresponding ownership place mark is with answering calamity urban sign to match and authority identification and answering calamity city In the judged result of the sensible matching of town-brand, judged result is not simultaneously matching.

In the present embodiment, by judge report a case to the security authorities time point, phone number number and Notified body mark judge whether with should Calamity accepts configuration information and matched, and meets the vehicle insurance handled according to simple flow rapidly to filter out and reports a case to the security authorities information, so as to With simplify screening vehicle insurance report a case to the security authorities information the step of.

In one embodiment, the vehicle insurance received is reported a case to the security authorities after calamity processing mark is answered in information flag, above-mentioned vehicle insurance Answer calamity processing method also to include：Analysis vehicle insurance is reported a case to the security authorities information, is obtained vehicle insurance and is reported a case to the security authorities the information place of being in danger included, reason of being in danger Mark and incident identification；Judge the corresponding urban sign of strategical vantage point point and answer calamity urban sign, reason mark of being in danger and default original Because mark and incident identification match with least one in default incident identification three it is invalid；If so, on then will be marked Answer calamity processing mark vehicle insurance report a case to the security authorities information re-flag conventional treatment mark.

Wherein, place of being in danger is place that the vehicle protected of vehicle insurance needs to be in danger.Place of being in danger specifically can be as accurate as street Road title.Reason mark of being in danger and default reason mark are marks the reason for being in danger.Reason mark of being in danger and default reason mark Knowledge can specifically be identified with major natural disasters.Major natural disasters mark can include earthquake mark, flood mark, tsunami mark Know, typhoon mark, cyclone mark, hail mark, mudstone traffic identifier and landslide mark etc..Incident identification and default incident identification It is that the loss that vehicle insurance needs to settle a claim identifies accordingly.Incident identification and default incident identification can be specifically vehicle losses.Accident Mark can also include target goods damage, three's thing undermines casualties.

In one embodiment, after server answers calamity processing mark in information flag that vehicle insurance is reported a case to the security authorities, if also analyzing Vehicle insurance report a case to the security authorities information include being in danger place, at least one of the reason mark and incident identification of being in danger when, then when server judge Be in danger the corresponding urban sign in place and answer calamity urban sign to match, reason mark of being in danger and default reason mark match and When incident identification and default incident identification at least have a kind of in matching, then calamity processing mark is answered to repair by what vehicle insurance reported a case to the security authorities information Just identified for conventional treatment, re-flag the vehicle insurance of upper conventional treatment mark to be handled according to normal flow and report a case to the security authorities information.

In the present embodiment, pass through place of being in danger, reason mark of being in danger and the incident identification reported a case to the security authorities vehicle insurance described in information Judged, corresponding urban sign and answer calamity urban sign to match, reason mark of being in danger and default reason in place of being in danger Mark matches match with incident identification and default incident identification in when at least having a kind of, then vehicle insurance is reported a case to the security authorities into information again Conventional treatment identifies on mark, can screen out and not meet the vehicle insurance handled according to simple flow and report a case to the security authorities information, so that needing The information that to be reported a case to the security authorities according to the vehicle insurance that simple flow is handled can be by timely processing, and then improves the vehicle insurance case when disaster occurs and believe Cease the efficiency of processing.

In one embodiment, answering calamity to accept configuration information also includes answering calamity assistant director to identify；Above-mentioned vehicle insurance answers calamity to handle Method also includes：Judge mark answers whether the vehicle insurance information of reporting a case to the security authorities of calamity processing mark can trigger default straight compensation condition；If so, then Send phone setting loss information；If it is not, then choose answer calamity to accept that configuration information includes answer calamity assistant director to identify, and send according to should Calamity assistant director mark generation answers calamity to send work information.

Wherein, it is staff's phase for handling information of being reported a case to the security authorities according to the vehicle insurance of simple flow processing to answer calamity assistant director mark The mark answered.Straight compensation condition is to meet the condition without car damage identification.

In one embodiment, server according to the vehicle insurance received report a case to the security authorities information judge that the vehicle insurance reports a case to the security authorities information can Triggering is straight to pay for condition, then sends phone setting loss information to terminal.

In one embodiment, server according to the vehicle insurance received report a case to the security authorities information judge that the vehicle insurance reports a case to the security authorities information can After triggering straight compensation condition, when receiving the instruction for cancelling transmission phone setting loss information, then selection is answered calamity to accept in configuration information and wrapped Include answer calamity assistant director identify, and send according to answer calamity assistant director identify generation answer calamity to send work information.

In one embodiment, server according to the vehicle insurance received report a case to the security authorities information judge that the vehicle insurance reports a case to the security authorities information can not Enough triggerings are straight to pay for condition, then choose answer calamity to accept that configuration information includes answer calamity assistant director to identify, and send according to answering calamity assistant director Mark generation answers calamity to send work information.

In the present embodiment, by judging that can vehicle insurance information of reporting a case to the security authorities trigger straight compensation condition, when that can trigger, directly transmit Phone setting loss information, quickly handle the vehicle insurance and report a case to the security authorities information.And when that can not trigger, then send and answer calamity to send work information, to send Calamity assistant director is answered to go to processing.So as to improve processing vehicle insurance report a case to the security authorities information efficiency while so that the reason of vehicle insurance case Pay for gold and obtain safety guarantee.

In one embodiment, calamity is answered to send work information to include repair shop's mark link；Above-mentioned vehicle insurance answers calamity processing method Also include：Receive the fed back repair shop's mark of triggering repair shop mark link and obtain instruction；Acquisition is identified according to repair shop to refer to Order sends maintenance factory's presentation web page file；Maintenance factory's presentation web page file correspondingly opens maintenance factory's presentation web page；Receive to maintenance The determination information of maintenance factory's mark shown by factory's presentation web page；Calamity is answered to send work information according to determination Information revision and transmission.

In the present embodiment, maintenance emblem mark is chosen in maintenance factory's presentation web page that terminal identifies link to open by maintenance factory After knowledge, concurrently sent in amendment and answer calamity to send work information, accurate repair shop identifies to answer calamity assistant director to know, so as to reduce Answer calamity assistant director to arrive at the time of repair shop, and then improve processing vehicle insurance and report a case to the security authorities the efficiency of information.

Fig. 3 is the schematic flow sheet for answering calamity processing method of vehicle insurance in one embodiment.Reference picture 3, the vehicle insurance answer calamity Processing method specifically includes following steps：

S302, receives disaster warning message and vehicle insurance is reported a case to the security authorities information.

S304, the city mark that disaster urban sign and vehicle insurance included by acquisition disaster warning message are reported a case to the security authorities included by information Know.

S306, the screening vehicle insurance corresponding with the urban sign that disaster urban sign matches are reported a case to the security authorities information.

S308, the vehicle insurance that Analysis and Screening goes out are reported a case to the security authorities information and corresponding receives frequency.

S310, judges whether the report a case to the security authorities receives frequency of information of vehicle insurance exceedes alarm threshold.

If it is not, then perform step S312.If so, then perform step S314.

S312, reported a case to the security authorities information according to normal flow processing vehicle insurance.

S314, obtain the disaster urban sign specified by disaster warning message and disaster period.

S316, calamity urban sign is answered according to the configuration of disaster urban sign, and the calamity time is answered according to the configuration of disaster period Section.

S318, from answer in calamity authority identification list obtain specify answer calamity authority identification.

S320, answering calamity urban sign and answer the calamity period and answer the generation of calamity authority identification to answer calamity to accept to match somebody with somebody according to configuration Confidence ceases.

S322, analysis vehicle insurance are reported a case to the security authorities information, obtain vehicle insurance report a case to the security authorities time point of reporting a case to the security authorities that information includes, phone number number and Notified body identifies.

After step S322, step S324, S326 and S328 execution sequence does not limit, is performing step The result of any one walks for that when being, can perform other one be not carried out in three steps in S324, S326 and S328 Suddenly, and when performing step S324, S326 and S328 judged result all to be, then step S330 is performed.If perform step When the result of any one is no in S324, S326 and S328, then step S332 is immediately performed.

S324, judgement report a case to the security authorities time point with answering the calamity period to match.

S326, judge the corresponding ownership place mark of phone number number with answering calamity urban sign to match.

S328, decision mechanism are identified with answering calamity urban sign to match.

S330, vehicle insurance is reported a case to the security authorities calamity processing mark is answered in information flag.

S332, vehicle insurance conventional treatment in information flag of reporting a case to the security authorities is identified.

After step S332 is performed, return and perform step S312.After step S330 is performed, step S334 is performed.

S334, judge mark answer whether the vehicle insurance information of reporting a case to the security authorities of calamity processing mark can trigger default straight compensation condition.

If so, then perform step S336.If it is not, then perform step S338.

S336, send phone setting loss information.

S338, choose answer calamity to accept that configuration information includes answer calamity assistant director to identify, and send according to answering calamity assistant director to identify Generation answers calamity to send work information；Calamity is answered to send work information to include repair shop's mark link.

S340, receive the fed back repair shop's mark of triggering repair shop mark link and obtain instruction.

S342, identified according to repair shop and obtain instruction transmission maintenance factory presentation web page file；Maintenance factory's presentation web page file It is corresponding to open maintenance factory's presentation web page.

S344, receive the determination information identified to the maintenance factory shown by maintenance factory's presentation web page.

S346, calamity is answered to send work information according to determination Information revision and transmission.

It should be understood that although each step in Fig. 3 flow chart is shown successively according to the instruction of arrow, this A little steps are not that the inevitable order according to arrow instruction performs successively.Unless expressly state otherwise herein, these steps Not strict order limitation is performed, these steps can perform in other order.Moreover, at least a portion in Fig. 3 Step can include more sub-steps or multiple stages, and these sub-steps or stage are performed in synchronization To complete, but can perform different at the time of, the execution sequence in these sub-steps or stage is also not necessarily to be carried out successively, But can either the sub-step of other steps or at least a portion in stage perform in turn or alternately with other steps.

As shown in figure 4, in one embodiment, additionally provide a kind of vehicle insurance answers calamity processing unit 400, and the vehicle insurance is answered Calamity processing unit 400 includes：Information receiving module 402, information sifting module 404, information analysis module 406, information configuration mould Block 408 and message processing module 410.

Information receiving module 402, reported a case to the security authorities information for receiving disaster warning message and vehicle insurance.

Information sifting module 404, reported a case to the security authorities letter from vehicle insurance for the disaster urban sign specified by guarding against message according to disaster Breath filters out urban sign, and urban sign matches with disaster urban sign.

Information analysis module 406, reported a case to the security authorities information and corresponding receives frequency for analyzing filtered out vehicle insurance.

Information collocation module 408, for when vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, warned according to disaster Guarding against message arrangement answers calamity to accept configuration information.

Message processing module 410, for according to answering calamity to accept the corresponding simple flow of configuration information, handle and answer calamity to accept The vehicle insurance that configuration information matches is reported a case to the security authorities information.

Above-mentioned vehicle insurance answers calamity processing unit 400, is screened by guarding against message information of reporting a case to the security authorities vehicle insurance according to disaster, The information that can be reported a case to the security authorities according to disaster urban sign vehicle insurance is screened so that the vehicle insurance screened report a case to the security authorities information be need should Calamity, so that vehicle insurance is reported a case to the security authorities, the corresponding receives frequency of message can reflect the urban sign that vehicle insurance is reported a case to the security authorities included by message The current disaster degree in corresponding region.And when exceeding alarm threshold according to receives frequency, it can be determined that it is current to go out the region Disaster degree can cause the vehicle insurance case information redundancy received.Therefore after vehicle insurance case information meeting redundancy is judged, root Answer calamity to accept configuration information according to disaster warning message arrangement, reported a case to the security authorities information further according to answering calamity to accept configuration information processing vehicle insurance, can To cause in vehicle insurance crush of cases, can be reported a case to the security authorities information according to answering calamity to accept configuration information and quickly handle vehicle insurance, so as to Enable vehicle insurance to report a case to the security authorities information by timely processing, and then improve the efficiency of the vehicle insurance case information processing when disaster occurs.

As shown in figure 5, in one embodiment, information collocation module 408 includes：Urban sign acquisition module 408a, use In the disaster urban sign specified by acquisition disaster warning message and disaster period；Identification information configuration module 408b, is used for Calamity urban sign is answered according to the configuration of disaster urban sign, and the calamity period is answered according to the configuration of disaster period；Authority identification obtains Modulus block 408c, for from answer in calamity authority identification list obtain specify answer calamity authority identification；Configuration information generation module 408d, for answering calamity urban sign and answering the calamity period and answer the generation of calamity authority identification to answer calamity to accept with confidence according to configuration Breath.

As shown in fig. 6, in one embodiment, message processing module 410 includes：Report a case to the security authorities information analysis module 410a, uses Reported a case to the security authorities information in analysis vehicle insurance, obtain vehicle insurance and report a case to the security authorities time point of reporting a case to the security authorities, phone number number and the Notified body mark that information includes Know；Judge module 410b, for judge to report a case to the security authorities time point corresponding with answering calamity period, phone number number ownership place mark and Answer calamity urban sign and authority identification with answer calamity urban sign match whether and meanwhile set up；Mark module 410c is identified, is used for When judging that three sets up, vehicle insurance is reported a case to the security authorities calamity processing mark is answered in information flag；And for there is one in three is judged During establishment, vehicle insurance conventional treatment in information flag of reporting a case to the security authorities is identified.

In one embodiment, message processing module 410 also includes：Report a case to the security authorities information analysis module 410a, is additionally operable to analyze Vehicle insurance is reported a case to the security authorities information, is obtained vehicle insurance and is reported a case to the security authorities the information place of being in danger included, reason mark of being in danger and incident identification；Judge module 410b, it is additionally operable to judge the corresponding urban sign of strategical vantage point point and answers calamity urban sign, reason mark of being in danger and default reason mark Knowledge and incident identification match invalid with least one in default incident identification three；Mark module 410c is identified, is also used When judging to have at least one invalid, then will be marked on answer the vehicle insurance information of reporting a case to the security authorities of calamity processing mark to re-flag Conventional treatment identifies.

As shown in fig. 7, in one embodiment, answering calamity to accept configuration information also includes answering calamity assistant director to identify；Judge module 410b, it is additionally operable to judge mark and answers whether the vehicle insurance information of reporting a case to the security authorities of calamity processing mark can trigger default straight compensation condition；Vehicle insurance Calamity processing unit 400 is answered also to include：SMS transmission module 412, for judging to mark the vehicle insurance for answering calamity processing mark to report a case to the security authorities When information can trigger default straight compensation condition, phone setting loss information is sent；And judge that mark answers the vehicle insurance of calamity processing mark Information of reporting a case to the security authorities can not trigger it is default straight when paying for condition, then choose answer calamity to accept that configuration information includes answer calamity assistant director to identify, And send according to answer calamity assistant director identify generation answer calamity to send work information.

As shown in figure 8, in one embodiment, calamity is answered to send work information to include repair shop's mark link；Information receiving module 402, it is additionally operable to reception triggering repair shop mark and links fed back repair shop's mark acquisition instruction；Vehicle insurance answers calamity processing unit 400 also include：Web page files sending module 414, instruction transmission maintenance factory presentation web page text is obtained for being identified according to repair shop Part；Maintenance factory's presentation web page file correspondingly opens maintenance factory's presentation web page；Information receiving module 402, it is additionally operable to receive to maintenance The determination information of maintenance factory's mark shown by factory's presentation web page；SMS transmission module 412, it is additionally operable to according to determination Information revision And send and answer calamity to send work information.

Fig. 9 shows the cut-away view of one embodiment Computer equipment.The computer equipment can be specifically Fig. 1 In server 120.As shown in figure 9, the computer equipment includes the place that the computer equipment includes connecting by system bus Manage device, memory, network interface, input unit and R-T unit.Wherein, memory includes non-volatile memory medium and internal memory Reservoir.The non-volatile memory medium of the computer equipment is stored with operating system, can also be stored with computer program, the calculating When machine program is executed by processor, it may be such that what processor realized vehicle insurance answers calamity processing method.It can also be stored in the built-in storage There is computer program, when the computer program is executed by processor, may be such that computing device vehicle insurance answers calamity processing method.It is interior Memory provides the running environment of cache for the operating system in non-volatile memory medium and computer program.Computer The input unit of equipment can be configured on the touch layer or computer equipment shell covered on display screen button, Trace ball or Trackpad, can also be external keyboard, Trackpad or mouse etc., and the input unit can be used for inputting disaster police Guard against at least one of message and alarm threshold.The R-T unit of computer equipment can be plug-in communication device, such as pass through The landline telephone or built-in communication device that wire rod is connected with computer equipment, the PCB of such as embedded communication chip (Printed Circuit Board, printed circuit board), the R-T unit of computer equipment can be used for receiving disaster and guarding against disappearing Breath and vehicle insurance are reported a case to the security authorities information.

It will be understood by those skilled in the art that the structure shown in Fig. 9, the only part related to application scheme knot The block diagram of structure, the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment are not formed It can include, than more or less parts shown in figure, either combining some parts or arranging with different parts.

In one embodiment, the vehicle insurance that the application provides answers calamity processing unit to can be implemented as a kind of computer program Form, computer program can run on computer equipment as shown in Figure 9.Group can be stored in the memory of computer equipment Into each program module for answering calamity processing unit of the vehicle insurance, such as, information receiving module 402, information sifting mould shown in Fig. 4 Block 404, information analysis module 406, information collocation module 408 and message processing module 410.The calculating that each program module is formed Machine program causes the answering in calamity processing method of the vehicle insurance of each embodiment of the application described in computing device this specification Step.

For example, the computer equipment shown in Fig. 9 can pass through the information answered in calamity processing unit of vehicle insurance as shown in Figure 4 Receiving module 402 performs step S202.Computer equipment can perform step S204 by information sifting module 404.Computer is set It is standby step S206 to be performed by information analysis module 406.Computer equipment can perform step by information collocation module 408 S208.Computer equipment can perform step S210 by message processing module 410.

In one embodiment, a kind of computer equipment is additionally provided, including memory and processor, memory storage have Computer program, when computer program is executed by processor so that the step of computing device following method：Receive disaster warning Message and vehicle insurance are reported a case to the security authorities information；Disaster urban sign according to specified by disaster guards against message goes out of the city from vehicle insurance information sifting of reporting a case to the security authorities City identifies, and urban sign matches with disaster urban sign；The filtered out vehicle insurance of analysis, which is reported a case to the security authorities, information and corresponding receives frequency Rate；When vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, message arrangement is guarded against according to disaster and answers calamity to accept with confidence Breath；According to answering calamity to accept the corresponding simple flow of configuration information, handle and answer calamity to accept the vehicle insurance that configuration information matches and report a case to the security authorities Information.

Above computer equipment, screened by guarding against message information of reporting a case to the security authorities vehicle insurance according to disaster, can be according to calamity Evil urban sign information of reporting a case to the security authorities vehicle insurance is screened so that and the vehicle insurance screened information of reporting a case to the security authorities needs to answer calamity, so as to Vehicle insurance is reported a case to the security authorities the corresponding area of urban sign that the corresponding receives frequency of message reflects that vehicle insurance is reported a case to the security authorities included by message The current disaster degree in domain.And when exceeding alarm threshold according to receives frequency, it can be determined that go out the current disaster journey in the region Degree can cause the vehicle insurance case information redundancy received.Therefore after vehicle insurance case information meeting redundancy is judged, warned according to disaster Guarding against message arrangement answers calamity to accept configuration information, reports a case to the security authorities information, can cause further according to answering calamity to accept configuration information processing vehicle insurance During vehicle insurance crush of cases, it can be reported a case to the security authorities information according to answering calamity to accept configuration information and quickly handle vehicle insurance, so that vehicle insurance Information of reporting a case to the security authorities can be by timely processing, and then improves the efficiency of the vehicle insurance case information processing when disaster occurs.

In one embodiment, when computer program is executed by processor so that computing device is reported a case to the security authorities information when vehicle insurance Receives frequency when exceeding alarm threshold, the step of message arrangement answers calamity to accept configuration information is guarded against according to disaster, including：Obtain Disaster urban sign and disaster period specified by disaster warning message；Calamity city is answered to mark according to the configuration of disaster urban sign Know, and the calamity period is answered according to the configuration of disaster period；From answer in calamity authority identification list obtain specify answer calamity mechanism mark Know；Answering calamity urban sign and answering the calamity period and answer the generation of calamity authority identification to answer calamity to accept configuration information according to configuration.

In one embodiment, when computer program is executed by processor so that computing device is matched somebody with somebody according to answering calamity to accept Confidence ceases corresponding simple flow, handle and answer calamity accept the vehicle insurance that configuration information matches report a case to the security authorities information the step of, including：Point Analysis vehicle insurance is reported a case to the security authorities information, is obtained vehicle insurance and is reported a case to the security authorities time point of reporting a case to the security authorities, phone number number and the Notified body mark that information includes；Sentence Disconnected time point of reporting a case to the security authorities ownership place mark corresponding with answering calamity period, phone number number is with answering calamity urban sign and mechanism mark Know with answer calamity urban sign match whether and meanwhile set up；Calamity processing mark is answered in information flag if so, then vehicle insurance is reported a case to the security authorities；If It is no, then vehicle insurance conventional treatment in information flag of reporting a case to the security authorities is identified.

In one embodiment, when computer program is executed by processor so that the vehicle insurance that computing device will receive Report a case to the security authorities after the step of calamity processing mark is answered in information flag, also cause computing device following steps：Analysis vehicle insurance is reported a case to the security authorities letter Breath, obtain vehicle insurance and report a case to the security authorities the information place of being in danger included, reason mark of being in danger and incident identification；Judge the strategical vantage point corresponding city of point City is identified with answering calamity urban sign, reason mark of being in danger and default reason mark and incident identification and default incident identification three In at least one matching it is invalid；If so, the vehicle insurance for answering calamity processing to identify on then will be marked is reported a case to the security authorities, information re-flags often Rule processing mark.

In one embodiment, answering calamity to accept configuration information also includes answering calamity assistant director to identify；Computer program is by processor During execution, also cause computing device following steps：Judge mark answers whether the vehicle insurance information of reporting a case to the security authorities of calamity processing mark can be touched The default straight compensation condition of hair；If so, then send phone setting loss information；If it is not, then choose answer calamity to accept that configuration information includes should Calamity assistant director identify, and send according to answer calamity assistant director identify generation answer calamity to send work information.

In one embodiment, calamity is answered to send work information to include repair shop's mark link；Computer program is executed by processor When, also cause computing device following steps：Receive the fed back repair shop's mark of triggering repair shop mark link and obtain instruction； Identified according to repair shop and obtain instruction transmission maintenance factory presentation web page file；Maintenance factory's presentation web page file correspondingly opens maintenance factory Presentation web page；Receive the determination information identified to the maintenance factory shown by maintenance factory's presentation web page；According to determination Information revision simultaneously Transmission answers calamity to send work information.

In one embodiment, a kind of computer-readable recording medium is additionally provided, is stored with computer program, computer When program is executed by processor so that the step of computing device following method：Receive disaster warning message and vehicle insurance is reported a case to the security authorities letter Breath；Disaster urban sign according to specified by disaster guards against message goes out urban sign, urban sign from vehicle insurance information sifting of reporting a case to the security authorities Match with disaster urban sign；The filtered out vehicle insurance of analysis is reported a case to the security authorities information and corresponding receives frequency；When vehicle insurance is reported a case to the security authorities letter When the receives frequency of breath exceedes alarm threshold, message arrangement is guarded against according to disaster and answers calamity to accept configuration information；Accepted according to calamity is answered The corresponding simple flow of configuration information, handle and answer calamity to accept the vehicle insurance that configuration information matches and report a case to the security authorities information.

Above computer readable storage medium storing program for executing, screened by guarding against message information of reporting a case to the security authorities vehicle insurance according to disaster, can Screened with information of being reported a case to the security authorities according to disaster urban sign vehicle insurance so that the vehicle insurance screened information of reporting a case to the security authorities is to need to answer calamity , so that vehicle insurance is reported a case to the security authorities, the corresponding receives frequency of message can reflect the urban sign phase that vehicle insurance is reported a case to the security authorities included by message The current disaster degree in the region answered.And when exceeding alarm threshold according to receives frequency, it can be determined that it is current to go out the region Disaster degree can cause the vehicle insurance case information redundancy received.Therefore after vehicle insurance case information meeting redundancy is judged, according to Disaster warning message arrangement answers calamity to accept configuration information, is reported a case to the security authorities information further according to answering calamity to accept configuration information processing vehicle insurance, can be with So that in vehicle insurance crush of cases, can be reported a case to the security authorities information according to answering calamity to accept configuration information and quickly handle vehicle insurance, so that Vehicle insurance report a case to the security authorities information can be by timely processing, and then improve the efficiency of the vehicle insurance case information processing when disaster occurs.

One of ordinary skill in the art will appreciate that realize all or part of flow in above-described embodiment method, being can be with The hardware of correlation is instructed to complete by computer program, described program can be stored in a non-volatile computer and can be read In storage medium, the program is upon execution, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, it is provided herein Each embodiment used in any reference to memory, database or other media, may each comprise non-volatile memories Device.Nonvolatile memory may include read-only storage (ROM), programming ROM (PROM), electrically programmable ROM (EPROM), electricity Erasable programmable ROM (EEPROM) or flash memory.

Each technical characteristic of embodiment described above can be combined arbitrarily, to make description succinct, not to above-mentioned reality Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited In contradiction, the scope that this specification is recorded all is considered to be.

Embodiment described above only expresses the several embodiments of the present invention, and its description is more specific and detailed, but simultaneously Can not therefore it be construed as limiting the scope of the patent.It should be pointed out that come for one of ordinary skill in the art Say, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention Scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.

Claims

1. a kind of vehicle insurance answers calamity processing method, methods described includes：

Disaster urban sign according to specified by the disaster guards against message goes out urban sign from vehicle insurance information sifting of reporting a case to the security authorities, The urban sign matches with the disaster urban sign；

When the vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, according to the disaster guard against message arrangement answer calamity by Manage configuration information；

Calamity is answered to accept the corresponding simple flow of configuration information according to described, processing answers calamity to accept what configuration information matched with described The vehicle insurance is reported a case to the security authorities information.

2. according to the method for claim 1, it is characterised in that described when the report a case to the security authorities receives frequency of information of the vehicle insurance exceedes During alarm threshold, message arrangement is guarded against according to the disaster and answers calamity to accept configuration information, including：

Calamity urban sign is answered according to disaster urban sign configuration, and the calamity time is answered according to disaster period configuration Section；

Answered according to configuration calamity urban sign and it is described answer the calamity period and it is described answer calamity authority identification generation answer calamity to accept Configuration information.

3. according to the method for claim 2, it is characterised in that described to answer calamity to accept configuration information simple accordingly according to described Change flow, processing answers calamity to accept the vehicle insurance that configuration information matches to report a case to the security authorities information with described, including：

The vehicle insurance is analyzed to report a case to the security authorities information, obtain the vehicle insurance report a case to the security authorities time point of reporting a case to the security authorities that information includes, phone number number and Notified body identifies；

4. according to the method for claim 3, it is characterised in that the described vehicle insurance received is reported a case to the security authorities answers calamity in information flag After processing mark, methods described also includes：

Analyze the vehicle insurance to report a case to the security authorities information, obtain the vehicle insurance and report a case to the security authorities the information place of being in danger included, reason mark of being in danger and thing Therefore identify；

The corresponding urban sign in place that is in danger described in judgement answers calamity urban sign, reason mark and the default original of being in danger with described Because mark and the incident identification match with least one in default incident identification three it is invalid；

If so, the marked vehicle insurance for answering calamity processing mark information of reporting a case to the security authorities then is re-flagged into the conventional treatment mark Know.

5. the method according to claim 3 or 4, it is characterised in that described to answer calamity to accept configuration information also including answering calamity special Member's mark；Methods described also includes：

If so, then send phone setting loss information；

If it is not, answer that calamity accepts that configuration information includes described in then choosing it is described answer calamity assistant director to identify, and send according to it is described should Calamity assistant director mark generation answers calamity to send work information.

6. according to the method for claim 5, it is characterised in that described to answer calamity to send work information to include repair shop's mark link； Methods described also includes：

Identified according to the repair shop and obtain instruction transmission maintenance factory presentation web page file；Maintenance factory's presentation web page file pair Maintenance factory's presentation web page should be opened；

7. a kind of vehicle insurance answers calamity processing unit, it is characterised in that described device includes：

Information sifting module, reported a case to the security authorities letter from the vehicle insurance for the disaster urban sign specified by guarding against message according to the disaster Breath filters out urban sign, and the urban sign matches with the disaster urban sign；

Information collocation module, for when the vehicle insurance report a case to the security authorities the receives frequency of information exceed alarm threshold when, according to the disaster Warning message arrangement answers calamity to accept configuration information；

Message processing module, for according to it is described answer calamity accept the corresponding simple flow of configuration information, processing with it is described answer calamity by The vehicle insurance that matches of reason configuration information is reported a case to the security authorities information.

8. device according to claim 7, it is characterised in that described information configuration module includes：

Urban sign acquisition module, for obtaining disaster urban sign and disaster time specified by the disaster warning message Section；

Identification information configuration module, for answering calamity urban sign according to disaster urban sign configuration, and according to the calamity The calamity period is answered in the configuration of evil period；

Configuration information generation module, for answered according to configuration calamity urban sign and it is described answer the calamity period and it is described should The generation of calamity authority identification answers calamity to accept configuration information.

9. a kind of computer-readable recording medium, computer program is stored with, when the computer program is executed by processor, is made The computing device as any one of claim 1 to 6 the step of method.

10. a kind of computer equipment, including memory and processor, the memory storage has computer program, the calculating When machine program is by the computing device so that the step of computing device method as any one of claim 1 to 6 Suddenly.