CN107862614A - A kind of method, storage device and car-mounted terminal for preventing vehicle insurance insurance fraud - Google Patents

A kind of method, storage device and car-mounted terminal for preventing vehicle insurance insurance fraud Download PDF

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Publication number
CN107862614A
CN107862614A CN201711092904.1A CN201711092904A CN107862614A CN 107862614 A CN107862614 A CN 107862614A CN 201711092904 A CN201711092904 A CN 201711092904A CN 107862614 A CN107862614 A CN 107862614A
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accident
data
insurance
vehicle
car
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CN107862614B (en
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殷建红
周彦煌
罗华
梁翀
王�忠
吴良平
陆龙
林少媚
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Guangdong Haoyi Future Technology Co ltd
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Guangdong Ecar Telematics Service Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/018Certifying business or products
    • G06Q30/0185Product, service or business identity fraud

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a kind of method, storage device and car-mounted terminal for preventing vehicle insurance insurance fraud, method includes:The running data of vehicle is obtained in real time, and running data is handled and analyzed, judges whether vehicle occurs accident;When judgement accident has occurred, car-mounted terminal obtains scene of the accident data, and scene of the accident data are sent to the background server of insurance company by the background server of car-mounted terminal;After scene of the accident data are received, the accident sample database of transferring is compared the background server of insurance company, determines the authenticity of accident and exports setting loss probation report, and corresponding Claims Resolution service is provided according to setting loss probation report.The present invention is by the way that scene of the accident data are sent to the background server of insurance company, ensure the authenticity of scene of the accident data, prevent using accident fraud come the behavior of insurance fraud, and insurance company is set to understand accident conditions in the very first time, Claims Resolution service can be provided the user in time, provide the user conveniently.

Description

A kind of method, storage device and car-mounted terminal for preventing vehicle insurance insurance fraud
Technical field
The present invention relates to car networking technology field, and in particular to a kind of method, storage device and car for preventing vehicle insurance insurance fraud Mounted terminal.
Background technology
With the continuous social and economic development, the material life of people is increasingly abundanter, and automobile almost turns into every family One of indispensable instrument of trip, in addition with the continuous development of electronic technology, the popularization of intelligent electronic device, Internet of Things, big number It is rooted in the hearts of the people according to concepts such as, car networkings, intelligent vehicle-carried industry shows a piece of thriving scene, brings car owners more people The experience and service of property.
Simultaneously with the infiltration in all trades and professions of insurance business, car insurance almost in the minds of each vehicle user all It is important.But in the prior art, many vehicle insurance insurance fraud cases be present, individual user forges car accident to deceive Protect.And insurance company can not also obtain accident conditions the most real within the most short time, it is difficult to make and most accurately settling a claim Scheme.
Therefore, prior art has yet to be improved and developed.
The content of the invention
The technical problem to be solved in the present invention is, for the drawbacks described above of prior art, there is provided one kind prevents vehicle insurance from deceiving Method, storage device and the car-mounted terminal of guarantor, it is intended to which solving insurance company in the prior art can not obtain truly in the very first time Accident conditions, and the problem of vehicle insurance insurance fraud be present.
The technical proposal for solving the technical problem of the invention is as follows:
A kind of method for preventing vehicle insurance insurance fraud, wherein, methods described includes:
The running data of vehicle is obtained in real time, and running data is handled and analyzed, judges whether vehicle occurs accident;
When judgement accident has occurred, car-mounted terminal obtains scene of the accident data, and scene of the accident data are passed through into car-mounted terminal Background server send to the background server of default insurance company;
The background server of insurance company transfers the accident sample database prestored after scene of the accident data are received It is compared, determines the authenticity of accident and export setting loss probation report, corresponding Claims Resolution clothes is provided according to setting loss probation report Business.
The described method for preventing vehicle insurance insurance fraud, wherein, the running data for obtaining vehicle in real time, running data is entered Row is handled and analyzed, and judges whether vehicle occurs also to include before accident:
In advance car-mounted terminal by 3G/4G communication networks, bluetooth or WIFI be connected with the mobile terminal of user;
Car-mounted terminal and mobile terminal are connected by the background server of 3G/4G communication networks and car-mounted terminal;
Insurance company's background server that the background server of car-mounted terminal is signed an agreement by 3G/4G communication networks and in advance It is attached.
The described method for preventing vehicle insurance insurance fraud, wherein, the running data for obtaining vehicle in real time, running data is entered Row is handled and analyzed, and judges whether vehicle occurs accident and include:
The equipment pre-installed on vehicle obtains every the default time to the running data of vehicle, and running data is carried out pre- Processing;
Default data model is called to carry out Treatment Analysis to characteristic, the probability of accident occurs for output vehicle;
If output probability is more than or equal to default probability threshold value, judge that Current vehicle has occurred that accident.
The described method for preventing vehicle insurance insurance fraud, wherein, the running data of the vehicle includes:The row of gps data, vehicle Sail speed, the device status data of vehicle and the current driving condition data of user.
The described method for preventing vehicle insurance insurance fraud, wherein, the equipment pre-installed on the vehicle includes:Drive recorder, GPS Big Dipper positioner, gravity sensor and ADAS devices.
The described method for preventing vehicle insurance insurance fraud, wherein, described when judgement accident has occurred, car-mounted terminal obtains accident Field data, and scene of the accident data are sent to the backstage of default insurance company by the background server of car-mounted terminal and taken Business device includes:
When car-mounted terminal judges that accident has occurred for Current vehicle, then video data when accident occurs and current accident are obtained The video data at scene;
Time, the place of generation and the accident vehicle information that acquisition accident occurs;
All data packings got are uploaded to the background server of car-mounted terminal, and preserved;
Background server of the background server of the car-mounted terminal by received data transfer to default insurance company, And preserve.
The described method for preventing vehicle insurance insurance fraud, wherein, described when judgement accident has occurred, car-mounted terminal obtains accident Field data, and scene of the accident data are sent to the backstage of default insurance company by the background server of car-mounted terminal and taken Business device also includes:
The mobile terminal of the car-mounted terminal control user starts default window interface, by the window interface to the scene of the accident Shot, and the scene of the accident picture after shooting is directly uploaded to the background service of the insurance company to have signed an agreement in advance Device.
The described method for preventing vehicle insurance insurance fraud, wherein, the background server of the insurance company shows in the accident of receiving After field data, transfer the accident sample database prestored and be compared, determine the authenticity of accident and export setting loss mirror Fixed report, providing corresponding Claims Resolution service according to setting loss probation report includes:
In advance accident sample for judging accident authenticity and severity of injuries is stored in the background server of insurance company Database;
After the background server of insurance company receives scene of the accident data, accident sample database is called to be compared, point Setting loss probation report corresponding to the authenticity of precipitation accident and the order of severity of accident and output;
Corresponding vehicle insurance Claims Resolution service is provided according to setting loss probation report.
A kind of storage device, a plurality of instruction is stored thereon with, wherein, the instruction is suitable to be loaded and performed by processor, To realize the method for preventing vehicle insurance insurance fraud described in any of the above-described.
A kind of car-mounted terminal, wherein, including:Processor, the storage device being connected with processor communication, the storage device Suitable for storing a plurality of instruction;The processor is suitable to call the instruction in the storage device, and any of the above-described is realized to perform The method for preventing vehicle insurance insurance fraud.
Beneficial effects of the present invention:The present invention by obtaining scene of the accident data in real time, and to default insurance company Background server is sent, and to ensure the authenticity of scene of the accident data, is effectively prevented using accident fraud come the behavior of insurance fraud, and And the present invention make insurance company the very first time understand accident a situation arises, to provide the user Claims Resolution in the most short time Service, it provide the user conveniently.
Brief description of the drawings
Fig. 1 is the flow chart of the first preferred embodiment of the method for preventing vehicle insurance insurance fraud of the present invention.
Fig. 2 is the functional schematic block diagram of the preferred embodiment of the car-mounted terminal of the present invention.
Embodiment
To make the objects, technical solutions and advantages of the present invention clearer, clear and definite, develop simultaneously embodiment pair referring to the drawings The present invention is further described.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and do not have to It is of the invention in limiting.
As shown in figure 1, Fig. 1 is the flow chart of the first preferred embodiment of the method for preventing vehicle insurance insurance fraud of the present invention.Institute Stating prevents comprising the following steps for vehicle insurance insurance fraud:
Step S100, the running data of vehicle is obtained in real time, and running data is handled and analyzed, judges whether vehicle occurs Accident.
It is preferred that the step S100 includes:
Step S101, the equipment pre-installed on vehicle obtains every the default time to the running data of vehicle, and to traveling Data are pre-processed;
Step S200, default data model is called to carry out Treatment Analysis to characteristic, the probability of accident occurs for output vehicle;
Step S300, if output probability is more than or equal to default probability threshold value, judges that Current vehicle has occurred and that and get over Therefore.
When it is implemented, by the present invention is accomplished that after accident generation, by the data transfer of the scene of the accident extremely The background server of insurance company, so that insurance company can understand accident conditions in the very first time, corresponding reason is made in time Pay for service.Therefore, the present invention needs in advance to judge accident, to determine whether Current vehicle has occurred and that accident.Compared with Goodly, the present invention is acquired beforehand through the equipment pre-installed on vehicle to the running data of vehicle in the process of moving, and The data of collection are analyzed.The equipment preassembled on vehicle includes:Drive recorder, GPS Big Dippeves positioning dress Put, gravity sensor and ADAS devices.The running data gathered includes:Gps data, the travel speed of vehicle, vehicle Device status data and the current driving condition data of user.
Further, when vehicle in the process of moving, the preassembled equipment will carry out running data automatically Collection, certainly, the present invention can also independently be set to the time of gathered data, such as be pre-set every 10 minutes, to row Data are sailed to be acquired.Or set when the instantaneous collection for starting running data for the engine stop work for detecting vehicle, Data are obtained in time, to know whether vehicle occurs accident.
By the running data collected in the present invention is all the data that include different dimensions, it is impossible to directly divided Analysis is, it is necessary to be pre-processed.The pretreatment includes carrying out dimension-reduction treatment to the data being collected into, more accurate to carry out Analysis.It is preferred that the present invention uses autoencoder(Own coding neutral net)Mode to running data carry out dimensionality reduction at Data after dimensionality reduction and are analyzed by reason, utilize own coding neural network learning oneFunction.Also It is to say, it is approached an identity function, so thatClose to the running data x of input.Although identity function looks less There is the meaning of study, but it is that own coding neutral net adds some limitations to work as us, for example the quantity of hidden neuron is limited, Can extracts required middle layer data from the running data of input.The middle layer data is just characterized data.
It is preferred that the present invention also needs to pre-establish a data model, the data model can be used for being entered according to characteristic Row calculation process, the probability that accident occurs for vehicle is analyzed, be easy to judge whether vehicle has occurred that accident.Specifically, The present invention gathers substantial amounts of running data in advance, and running data is pre-processed.The mode of the pretreatment equally uses autoencoder(Own coding neutral net)Mode, extract among layer data, i.e. characteristic.Next, using Logistics returns machine learning model and study and data training is carried out to characteristic;It is that probabilistic type is non-that Logistic, which is returned, Linear regression model (LRM), it is a kind of multivariable technique for studying two-value type output category.Here, the present invention uses The result that two taxonomic properties that logistics is returned train data and characteristic opening relationships.Namely by two classification Result and some influence factor opening relationships are observed, so as to enter to the probability of the generation of some result under the conditions of some influence factors Row estimation.Influence factor is exactly the characteristic of the present invention, and the generation of result, just refers to the hair of car accident in the present invention It is raw.Thus, it is established that one is used for the probabilistic type nonlinear regression according to the characteristic of input output car accident probability of happening Data model.The core function of the data model of the present invention is Sigmoid functions, and calculation formula is:, lead to Cross Sigmoid functions and do two classification, and parameter is solved and updated using gradient descent algorithm.When the data model After the completion of training, then the data model can is directly used, as long as characteristic is inputted into the present invention's so as to follow-up Probabilistic type nonlinear regression data model, the result of the data model output is 0-1, then can be obtained by vehicle and accident occurs Probability.
Certainly the data model of the present invention also can use other models to be replaced, such as convolutional neural networks can be used (CNN)Model come replace the present invention data model, can equally realize vehicle occur accident probability output.The present invention is made Data model is a kind of embodiment of the present invention, and other can realize that the data model of probability output should also belong to the present invention Protection domain
After the equipment pre-installed on vehicle is collected into running data, and after being converted to characteristic by pretreatment, vehicle-mounted end End receives the characteristic, and calls the data model pre-established, and calculation process and analysis are carried out to characteristic.From And the probability that accident occurs for vehicle can directly be exported by probabilistic type nonlinear regression data model.For example, pre-installed when on vehicle Equipment be collected into the speed of vehicle and increase to 80km/h from 50km/h suddenly, illustrate that the speed of now vehicle is mutated, And 80km/h has exceeded the restriction speed of urban road.The braking function of Current vehicle is additionally got there occurs failure, And human pilot is now one-handed performance steering wheel, then these data will be integrated and pre-processed by car-mounted terminal, And call default data model to carry out computing and analysis, so as to analyze a specific probable value, such as output is general Rate value is 0.8.And when the probability of output is more than or equal to default probability threshold value in car-mounted terminal(Such as probability threshold value is 0.7) When, then judge that vehicle has occurred that accident.As can be seen here, the present invention can be analyzed the data of each dimension, with It has the probability that accident occurs for accurate vehicle, is easy to whether accurate judgement Current vehicle has occurred that accident.
Step S200, when judgement accident has occurred, car-mounted terminal obtains scene of the accident data, and by scene of the accident data Sent by the background server of car-mounted terminal to the background server of default insurance company.
It is preferred that the step S200 includes:
Step S201, when car-mounted terminal judges that accident has occurred for Current vehicle, then obtain accident occur when video data with And the video data of the current scene of the accident;
Step S202, time, the place occurred and the accident vehicle information of accident generation are obtained;
Step S203, all data packings got are uploaded to the background server of car-mounted terminal, and preserved;
Step S204, the background server of described car-mounted terminal is by after received data transfer to default insurance company Platform server, and preserve.
When it is implemented, the present invention is needing that car-mounted terminal is passed through into 3G/4G communication networks, bluetooth or WIFI in advance Progress is connected with mobile terminal;Car-mounted terminal and mobile terminal are connected by 3G/4G communication networks with background server;Will The background server of car-mounted terminal is connected by 3G/4G communication networks with the insurance company's background server signed an agreement in advance Connect.Pass through above-mentioned connection so that car-mounted terminal, mobile terminal, the background server of car-mounted terminal and the backstage of insurance company Server can carry out communication connection, realize data sharing.
Because preassembled drive recorder equipment can record to the stroke of vehicle on vehicle, when car-mounted terminal is sentenced After disconnected Current vehicle has occurred that accident, then car-mounted terminal will control drive recorder to obtain regarding for the scene of the accident immediately Frequency evidence, and car-mounted terminal can also transfer accident occur before and after(Such as it can transfer before and after accident 5 seconds)Video data.Will All packing is integrated for the time of video data and accident generation of acquisition, the place occurred, accident vehicle information, is uploaded to car The background server of mounted terminal and preservation.After the background server of car-mounted terminal receives the data, by these data Sent to the background server of the insurance company to have signed an agreement in advance, so that insurance company can be experienced and understanding in the very first time Therefore situation.
In addition, the present invention also provides another mode that scene of the accident data are provided to insurance company.When thing occurs for vehicle Therefore afterwards, car-mounted terminal can control mobile terminal to start default window interface, and user can be by the window interface to accident Scene is shot, and after shooting is completed, video data is directly uploaded to the backstage clothes of the insurance company to have signed an agreement in advance Business device simultaneously preserves.Because user can only carry out the shooting of the scene of the accident by default window interface on mobile terminal, it is impossible to from Photograph album or alternative document folder transfer video, therefore ensure that the authenticity of casualty data, effectively prevent and forge the scene of the accident Carry out the behavior of insurance fraud.
Step S300, the background server of insurance company transfers what is prestored after scene of the accident data are received Accident sample database is compared, and determines the authenticity of accident and exports setting loss probation report, is carried according to setting loss probation report For corresponding Claims Resolution service.
It is preferred that the step S300 is specifically included:
Step S301, stored in advance in the background server of insurance company for judging accident authenticity and severity of injuries Accident sample database;
Step S302, after the background server of insurance company receives scene of the accident data, accident sample database is called to enter Row compares, and analyzes setting loss probation report corresponding to the authenticity and the order of severity of accident and output that accidents happened;
Step S303, corresponding vehicle insurance Claims Resolution service is provided according to setting loss probation report.
When it is implemented, the background server of insurance company is transferred and prestored after scene of the accident data are received Accident sample database be compared.The accident sample database includes lot of accident data, each which includes vehicle The extent of damage analysis at individual position and different degrees of view data.Therefore, insurance company can be according to accident sample data Storehouse is accurately analyzed by the authenticity and the order of severity of current accident.Firstly, since all transmit to insurance company backstage The scene of the accident data of server are the automatic real-time collectings of equipment on car-mounted terminal, and can not be distorted by other people, therefore It can confirm that the authenticity of accident.Secondly, insurance company extracts damaged vehicle position from the video data of the current scene of the accident It is compared with the damaged part image of same area in accident sample database, judges the extent of damage, it follows that accident The order of severity and output corresponding to setting loss probation report, and then provide corresponding Claims Resolution service according to setting loss probation report.Compared with Goodly, the present invention sets different vehicle insurance Claims Resolution services for different setting loss probation reports in advance.Setting loss probation report includes Have the order of severity of different accidents, as it is light, in, the accident degree explanation of weight.And the setting loss probation report of different accident degree The amount for which loss settled of corresponding vehicle insurance is also different, significantly more efficient can thus be settled a claim.
The present invention immediately sends scene of the accident data to the background server of insurance company after accident occurs, and makes guarantor Dangerous company can know there occurs accident in the very first time, and understand the concrete condition of accident, so as to insurance company can and When offer accurately settle a claim service, shorten the Claims Resolution cycle, provide the user conveniently.
Based on above-described embodiment, the invention also discloses a kind of car-mounted terminal.As Fig. 2 shows, including:Processor (processor) storage device (memory) 20 10, being connected with processor 10;Wherein, the processor 10 is used to call institute The programmed instruction in storage device 20 is stated, to perform the method that above-described embodiment is provided, such as is performed:
Step S100, the running data of vehicle is obtained in real time, and running data is handled and analyzed, judges whether vehicle occurs Accident;
Step S200, when judgement accident has occurred, car-mounted terminal obtains scene of the accident data, and scene of the accident data are passed through The background server of car-mounted terminal is sent to the background server of default insurance company;
Step S300, the background server of insurance company transfers the accident prestored after scene of the accident data are received Sample database is compared, and determines the authenticity of accident and exports setting loss probation report, and phase is provided according to setting loss probation report The Claims Resolution service answered.
The embodiment of the present invention also provides a kind of storage device, and computer instruction, the calculating are stored in the storage device Machine instruction makes computer perform the method that the various embodiments described above are provided.
In summary, it is provided by the invention it is a kind of prevent vehicle insurance insurance fraud, storage device and car-mounted terminal, method include: The running data of vehicle is obtained in real time, and running data is handled and analyzed, judges whether vehicle occurs accident;When judging thing Therefore when having occurred, car-mounted terminal obtains scene of the accident data, and the background server that scene of the accident data are passed through into car-mounted terminal Send to the background server of default insurance company;The background server of insurance company receive scene of the accident data it Afterwards, transfer the accident sample database prestored to be compared, determine the authenticity of accident and export setting loss probation report, root Corresponding Claims Resolution service is provided according to setting loss probation report.The present invention by obtaining scene of the accident data in real time, and to default guarantor The background server of dangerous company is sent, and to ensure the authenticity of scene of the accident data, is effectively prevented using accident fraud come insurance fraud Behavior, and the present invention make insurance company the very first time understand accident a situation arises, so as to the most short time for use Family provides Claims Resolution service, provide the user conveniently.
It should be appreciated that the application of the present invention is not limited to above-mentioned citing, for those of ordinary skills, can To be improved or converted according to the above description, all these modifications and variations should all belong to the guarantor of appended claims of the present invention Protect scope.

Claims (10)

  1. A kind of 1. method for preventing vehicle insurance insurance fraud, it is characterised in that methods described includes:
    The running data of vehicle is obtained in real time, and running data is handled and analyzed, judges whether vehicle occurs accident;
    When judgement accident has occurred, car-mounted terminal obtains scene of the accident data, and scene of the accident data are passed through into car-mounted terminal Background server send to the background server of default insurance company;
    The background server of insurance company transfers the accident sample database prestored after scene of the accident data are received It is compared, determines the authenticity of accident and export setting loss probation report, corresponding Claims Resolution clothes is provided according to setting loss probation report Business.
  2. 2. the method according to claim 1 for preventing vehicle insurance insurance fraud, it is characterised in that the traveling for obtaining vehicle in real time Data, running data is handled and analyzed, judge whether vehicle occurs also to include before accident:
    In advance car-mounted terminal by 3G/4G communication networks, bluetooth or WIFI be connected with the mobile terminal of user;
    Car-mounted terminal and mobile terminal are connected by the background server of 3G/4G communication networks and car-mounted terminal;
    Insurance company's background server that the background server of car-mounted terminal is signed an agreement by 3G/4G communication networks and in advance It is attached.
  3. 3. the method according to claim 1 for preventing vehicle insurance insurance fraud, it is characterised in that the traveling for obtaining vehicle in real time Data, running data is handled and analyzed, judge whether vehicle occurs accident and include:
    The equipment pre-installed on vehicle obtains every the default time to the running data of vehicle, and running data is carried out pre- Processing;
    Default data model is called to carry out Treatment Analysis to characteristic, the probability of accident occurs for output vehicle;
    If output probability is more than or equal to default probability threshold value, judge that Current vehicle has occurred that accident.
  4. 4. the method according to claim 2 for preventing vehicle insurance insurance fraud, it is characterised in that the running data bag of the vehicle Include:Gps data, the travel speed of vehicle, the device status data of vehicle and the current driving condition data of user.
  5. 5. the method according to claim 2 for preventing vehicle insurance insurance fraud, it is characterised in that the equipment bag pre-installed on the vehicle Include:Drive recorder, GPS Big Dippeves positioner, gravity sensor and ADAS devices.
  6. 6. the method according to claim 1 for preventing vehicle insurance insurance fraud, it is characterised in that described when judgement accident has occurred When, car-mounted terminal obtains scene of the accident data, and scene of the accident data are sent to pre- by the background server of car-mounted terminal If the background server of insurance company include:
    When car-mounted terminal judges that accident has occurred for Current vehicle, then video data when accident occurs and current accident are obtained The video data at scene;
    Time, the place of generation and the accident vehicle information that acquisition accident occurs;
    All data packings got are uploaded to the background server of car-mounted terminal, and preserved;
    Background server of the background server of the car-mounted terminal by received data transfer to default insurance company, And preserve.
  7. 7. the method according to claim 6 for preventing vehicle insurance insurance fraud, it is characterised in that described when judgement accident has occurred When, car-mounted terminal obtains scene of the accident data, and scene of the accident data are sent to pre- by the background server of car-mounted terminal If the background server of insurance company also include:
    The mobile terminal of the car-mounted terminal control user starts default window interface, by the window interface to the scene of the accident Shot, and the scene of the accident picture after shooting is directly uploaded to the background service of the insurance company to have signed an agreement in advance Device.
  8. 8. the method according to claim 1 for preventing vehicle insurance insurance fraud, it is characterised in that the background service of the insurance company Device is transferred the accident sample database prestored and is compared, determine the true of accident after scene of the accident data are received Reality simultaneously exports setting loss probation report, and providing corresponding Claims Resolution service according to setting loss probation report includes:
    In advance accident sample for judging accident authenticity and severity of injuries is stored in the background server of insurance company Database;
    After the background server of insurance company receives scene of the accident data, accident sample database is called to be compared, point Setting loss probation report corresponding to the authenticity of precipitation accident and the order of severity of accident and output;
    Corresponding vehicle insurance Claims Resolution service is provided according to setting loss probation report.
  9. 9. a kind of storage device, it is stored thereon with a plurality of instruction, it is characterised in that the instruction is suitable to be loaded and held by processor OK, to realize the method for preventing vehicle insurance insurance fraud described in the claims any one of 1-8.
  10. A kind of 10. car-mounted terminal, it is characterised in that including:Processor, the storage device being connected with processor communication, it is described to deposit Equipment is stored up to be suitable to store a plurality of instruction;The processor is suitable to call the instruction in the storage device, is realized with execution above-mentioned The method that any one of claim 1-8 prevents vehicle insurance insurance fraud.
CN201711092904.1A 2017-11-08 2017-11-08 Method for preventing vehicle insurance fraud, storage device and vehicle-mounted terminal Active CN107862614B (en)

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Cited By (10)

* Cited by examiner, † Cited by third party
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CN108491821A (en) * 2018-04-02 2018-09-04 深圳市亚来科技有限公司 Vehicle insurance accident discrimination method, system and storage medium based on image procossing and deep learning
CN108955902A (en) * 2018-04-28 2018-12-07 肖慎飞 Identify the method to first scene of the accident of setting loss vehicle
CN108985950A (en) * 2018-07-13 2018-12-11 平安科技(深圳)有限公司 Electronic device, user's insurance fraud method for prewarning risk and storage medium
CN109658260A (en) * 2018-12-10 2019-04-19 泰康保险集团股份有限公司 Method and device, medium and electronic equipment are determined based on the fraud of block chain
CN109886820A (en) * 2019-01-23 2019-06-14 平安科技(深圳)有限公司 Accident vehicle recognition methods and terminal device
CN110443718A (en) * 2019-07-17 2019-11-12 卓尔智联(武汉)研究院有限公司 Vehicle insurance Claims Resolution method, computer installation and readable storage medium storing program for executing
CN111260487A (en) * 2020-01-20 2020-06-09 北京中科泽达科技有限公司 Risk control method and device for vehicle insurance claim settlement
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