CN108090747A - Self-service method, apparatus of validating the car, equipment and the computer storage media that vehicle insurance core is protected - Google Patents
Self-service method, apparatus of validating the car, equipment and the computer storage media that vehicle insurance core is protected Download PDFInfo
- Publication number
- CN108090747A CN108090747A CN201810075138.6A CN201810075138A CN108090747A CN 108090747 A CN108090747 A CN 108090747A CN 201810075138 A CN201810075138 A CN 201810075138A CN 108090747 A CN108090747 A CN 108090747A
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- Prior art keywords
- car
- validating
- vehicle
- self
- vehicle insurance
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- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/103—Workflow collaboration or project management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The invention discloses a kind of self-service methods of validating the car that vehicle insurance core is protected, and comprise the following steps：Declaration form triggering vehicle insurance core of insuring based on vehicle car owner protects request, obtains the information of vehicles included in declaration form of insuring, and the task of validating the car that information of vehicles generation vehicle insurance core is protected；Based on information of vehicles and self-service rule of validating the car is preset, judges whether the self-service condition of validating the car for meeting vehicle insurance core guarantor；If meeting the self-service condition of validating the car of vehicle insurance core guarantor, the task of validating the car is sent to car owner's client, so that car owner validates the car according to the task of validating the car is self-service；Validate the car photo of car owner's client based on task upload of validating the car is received, and the declaration form of insuring of the vehicle is adjusted according to photo of validating the car, to complete vehicle insurance core guarantor.The invention also discloses self-service device of validating the car, equipment and the computer storage medias that a kind of vehicle insurance core is protected.The present invention is by analyzing the information of vehicles in declaration form of insuring, and on the premise of ensureing to verify photo authenticity, realizes that self-service validate the car of car owner improves the efficiency that vehicle is validated the car.
Description
Technical field
The present invention relates to self-service method, apparatus of validating the car, equipment and the calculating that vehicle insurance core protects field more particularly to vehicle insurance core guarantor
Machine storage medium.
Background technology
With the development of society, vehicular traffic is more and more, vehicle participating insurance has been first of hand after purchase vehicle
It is continuous.
At present, vehicle participating insurance is needed by vehicle car owner in the information of vehicles that input vehicle is insured on declaration form of insuring, guarantor
Dangerous company can send the person of validating the car to validate the car, and be believed the information of vehicles insured on declaration form and the actual vehicle validated the car by insurance company
Breath is compared, wherein, vehicle, which is validated the car, mainly surrounds the time limit that dispatches from the factory of vehicle, if had the record that is in danger, vehicle appearance etc.
Information, the task that server can validate the car vehicle, which is distributed to the corresponding personnel of validating the car, validates the car, and existing vehicle is validated the car completely
Dependent on the person of validating the car, vehicle car owner needs that the person of validating the car is waited to validate the car, to prevent row of the car insurance in the process there are insurance fraud
For during validating the car, vehicle car owner waits the time for the personnel that the validate the car longer flow that causes to insure longer.
The above is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that the above is existing skill
Art.
The content of the invention
Self-service method, apparatus of validating the car, equipment and the computer protected it is a primary object of the present invention to provide a kind of vehicle insurance core
Storage medium, it is intended on the premise of ensureing verification photo authenticity, realize that car owner is self-service and validate the car, improve the effect that vehicle is validated the car
Rate.
To achieve the above object, the present invention provides a kind of self-service method of validating the car that vehicle insurance core is protected, the vehicle insurance core protect from
It helps to validate the car and comprise the following steps：
Declaration form triggering vehicle insurance core of insuring based on vehicle car owner protects request, the vehicle letter included in declaration form of insuring described in acquisition
Breath, and the task of validating the car that information of vehicles generation vehicle insurance core is protected；
Based on the information of vehicles and self-service rule of validating the car is preset, judges whether the self-service item of validating the car for meeting vehicle insurance core guarantor
Part；
If meeting the self-service condition of validating the car of vehicle insurance core guarantor, the task of validating the car is sent to car owner's client, so that vehicle
According to validating the car, task is self-service to validate the car main root；
Validate the car photo of car owner's client based on task upload of validating the car is received, and the vehicle is adjusted according to the photo of validating the car
Declaration form of insuring, with complete vehicle insurance core guarantor.
Optionally, it is described to receive validate the car photo of car owner's client based on task upload of validating the car, and according to the photograph of validating the car
Piece adjusts the declaration form of insuring of the vehicle, to complete the step of vehicle insurance core is protected, including：
Validate the car photo of car owner's client based on task upload of validating the car is received, the photo of validating the car is parsed, to obtain
The photographing information of the photo of validating the car is taken, wherein, the photographing information includes acquisition parameters, shooting time and shooting address；
The photographing information is compared with preset rules, whether photo of validating the car described in judgement meets photographing request；
If the photo of validating the car meets photographing request, photo of validating the car according to adjusts the declaration form of insuring of the vehicle,
To complete vehicle insurance core guarantor.
Optionally, it is described to receive validate the car photo of car owner's client based on task upload of validating the car, and according to the photograph of validating the car
Piece adjusts the declaration form of insuring of the vehicle, to complete the step of vehicle insurance core is protected, including：
Validate the car photo of car owner's client based on task upload of validating the car is received, and the photo of validating the car is subjected to anti-fake test
Card；
When detect it is described validate the car photo fake certification by when, insuring for the vehicle is adjusted according to the photo of validating the car
Declaration form, to complete vehicle insurance core guarantor.
Optionally, the declaration form of insuring of the vehicle is adjusted according to the photo of validating the car, to complete the step of vehicle insurance core is protected, also
Including：
It validates the car described in parsing photo, to obtain the vehicle current information；
The vehicle current information with the information of vehicles in the declaration form of insuring is compared, is judged according to comparison result
Whether insure information in the insure declaration form is changed；
If the information of insuring in declaration form of insuring described in change, the throwing of the vehicle is adjusted based on the vehicle current information
Declaration form is protected, to complete vehicle insurance core guarantor.
Optionally, it is described judge whether to meet vehicle insurance core guarantor it is self-service validate the car condition the step of after, including：
If not meeting the self-service condition of validating the car of vehicle insurance core guarantor, the information of validating the car in task of validating the car described in acquisition；
According to validate the car information and the default allocation rule, the task of validating the car is distributed to client of validating the car, so as to test
The corresponding person of validating the car of vehicle client validates the car according to the task of validating the car；
Wherein, validate the car described in the basis information and default allocation rule, the task of validating the car is distributed to the client that validates the car
End, so that the step of corresponding person of validating the car of client of validating the car is validated the car according to the task of validating the car, including：
Validate the car position and the operating position of preset client in information of validating the car are obtained, according to position and the operating position of validating the car
Determine distance of validating the car；
The distance that will validate the car is compared with the distance rule in default allocation rule, and the distance rule met is validated the car
Client；
The task of validating the car is distributed to client of validating the car, so that the corresponding person of validating the car of client of validating the car is according to the task of validating the car
It validates the car.
Optionally, validate the car described in the basis information and default allocation rule, the task of validating the car is distributed to the visitor that validates the car
After the step of family end, including：
When detect client acquisition of validating the car validate the car task when, the identification information for client of validating the car described in acquisition；
The identification information is sent to car owner's client, so that car owner's client is carried out based on identification information
The positioning for client of validating the car.
Optionally, the declaration form triggering vehicle insurance core of insuring based on vehicle car owner protects request, in declaration form of insuring described in acquisition
Comprising information of vehicles, and by information of vehicles generation vehicle insurance core protect validate the car task the step of after, including：
By the task generation task link of validating the car, the task link information is passed through into short message, wechat or application
Software is sent to car owner's client or client of validating the car；
When detect based on the task link queries validate the car task when, prompt the operating procedure validated the car.
In addition, to achieve the above object, the present invention also provides the self-service device of validating the car that a kind of vehicle insurance core is protected, the vehicle insurance cores
The self-service device of validating the car protected includes：
Generation module is obtained, request is protected for the declaration form triggering vehicle insurance core of insuring based on vehicle car owner, insures described in acquisition
The information of vehicles included in declaration form, and the task of validating the car that information of vehicles generation vehicle insurance core is protected；
Condition judgment module for being based on the information of vehicles and presetting self-service rule of validating the car, judges whether to meet vehicle insurance
The self-service condition of validating the car that core is protected；
If for meeting the self-service condition of validating the car of vehicle insurance core guarantor, the task of validating the car is sent to for task sending module
Car owner's client, so that car owner validates the car according to the task of validating the car is self-service；
It receives core and protects module, for receiving validate the car photo of car owner's client based on task upload of validating the car, and according to described
Photo of validating the car adjusts the declaration form of insuring of the vehicle, to complete vehicle insurance core guarantor.
In addition, to achieve the above object, the present invention also provides the self-service equipment of validating the car that a kind of vehicle insurance core is protected；
The self-service equipment of validating the car that the vehicle insurance core is protected includes：It memory, processor and is stored on the memory and can
The self-service program of validating the car that the vehicle insurance core run on the processor is protected, wherein：
The self-service program of validating the car that the vehicle insurance core is protected realizes oneself of vehicle insurance core guarantor described above when being performed by the processor
Help the step of validating the car method.
In addition, to achieve the above object, the present invention also provides a kind of computer storage medias；
The self-service program of validating the car of vehicle insurance core guarantor, self-service the testing of the vehicle insurance core guarantor are stored on the computer storage media
Range of driving sequence realize that vehicle insurance core described above is protected when being executed by processor it is self-service validate the car method the step of.
Self-service method, apparatus of validating the car, equipment and the computer storage that a kind of vehicle insurance core that the embodiment of the present invention proposes is protected are situated between
Matter.Comprise the following steps：The declaration form of insuring that vehicle car owner is parsed by server triggers the guarantor's request of vehicle insurance core, obtains declaration form of insuring
In the information of vehicles that includes, and the task of validating the car that information of vehicles generation vehicle insurance core is protected, and determine whether to meet vehicle insurance core guarantor's
The task of validating the car if meeting the self-service condition of validating the car of vehicle insurance core guarantor, is sent to car owner's client, so that vehicle by self-service condition of validating the car
According to validating the car, task is self-service to validate the car main root；Validate the car photo of car owner's client based on task upload of validating the car is received, and according to photograph of validating the car
Piece adjusts the declaration form of insuring of the vehicle, to complete vehicle insurance core guarantor.It realizes the self-service of vehicle insurance to validate the car, server will validate the car photo
Anti-counterfeit recognition is carried out, prevents car owner's user terminal from uploading falseness and validating the car photo to server, passes through in server vehicle photo array
When, it is modified declaration form of insuring according to the photo of validating the car that car owner's user terminal uploads, improves the efficiency validated the car, further improve
The efficiency insured ensure that the authenticity for photo of validating the car.
Description of the drawings
Fig. 1 is the apparatus structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 be vehicle insurance core of the present invention protect it is self-service validate the car involved in method to vehicle insurance core guarantor business flow chart of accepting insurance；
Fig. 3 be vehicle insurance core of the present invention protect it is self-service validate the car involved in method to vehicle insurance core guarantor business flow chart of validating the car；
Fig. 4 is the flow diagram for the self-service method first embodiment of validating the car that vehicle insurance core of the present invention is protected；
The refinement flow diagram that Fig. 5 is the step S30 for the self-service method of validating the car that vehicle insurance core is protected in Fig. 4；
Fig. 6 is another refinement flow diagram of the step S30 for the self-service method of validating the car that vehicle insurance core is protected in Fig. 4
Fig. 7 is the flow diagram for the self-service method second embodiment of validating the car that vehicle insurance core of the present invention is protected；
Fig. 8 is the flow diagram for the self-service method 3rd embodiment of validating the car that vehicle insurance core of the present invention is protected；
Fig. 9 is the high-level schematic functional block diagram for self-service one embodiment of device of validating the car that vehicle insurance core of the present invention is protected.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
As shown in Figure 1, the server for the hardware running environment that Fig. 1, which is the embodiment of the present invention, to be related to (is called vehicle insurance core
The self-service equipment of validating the car protected) structure diagram.
Server of the embodiment of the present invention can be such as " internet of things equipment ", the intelligent air condition with network savvy, intelligent electric lamp, intelligence
Energy power supply etc.；Can also be the AR/VR equipment such as with network savvy, intelligent sound box, autonomous driving vehicle, PC, smart mobile phone,
Tablet computer, E-book reader, pocket computer etc. have the terminal device of display function.
As shown in Figure 1, the server can include：Processor 1001, such as CPU, network interface 1004, user interface
1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is used to implement the connection communication between these components.
User interface 1003 can include display screen (Display), input unit such as keyboard (Keyboard), optional user interface
1003 can also include standard wireline interface and wireless interface.Network interface 1004 can optionally connect including the wired of standard
Mouth, wireless interface (such as WI-FI interfaces).Memory 1005 can be high-speed RAM memory or the memory of stabilization
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
Optionally, server can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, sound
Frequency circuit, WiFi module；Input unit, than display screen, touch-screen；Network interface can be blue in blanking wireless interface in addition to WiFi
Tooth, probe, 3G/4G/5G internet base station equipment etc..Wherein, sensor such as optical sensor, motion sensor and other biographies
Sensor, details are not described herein.
It will be understood by those skilled in the art that the server architecture shown in Fig. 1 does not form the restriction to server, it can
To include either combining some components or different components arrangement than illustrating more or fewer components.
As shown in Figure 1, the computer software product is stored in a storage medium (storage medium：It is called computer storage
Medium, computer media, readable medium, readable storage medium storing program for executing, computer readable storage medium are directly medium etc., such as
ROM/RAM, magnetic disc, CD) in, it is used including some instructions so that a server apparatus (can be mobile phone, computer takes
Be engaged in device, air conditioner or the network equipment etc.) method described in each embodiment of the present invention is performed, it is stored as a kind of computer
It can include oneself of operating system, network communication module, Subscriber Interface Module SIM and vehicle insurance core guarantor in the memory 1005 of medium
Help application program of validating the car.
In server shown in Fig. 1, network interface 1004 be mainly used for connect background server, with background server into
Row data communication；User interface 1003 is mainly used for connecting client (user terminal), with client into row data communication；And it handles
Device 1001 can be used for the self-service application program of validating the car that the vehicle insurance core stored in memory 1005 is called to protect, and perform following behaviour
Make：
Declaration form triggering vehicle insurance core of insuring based on vehicle car owner protects request, the vehicle letter included in declaration form of insuring described in acquisition
Breath, and the task of validating the car that information of vehicles generation vehicle insurance core is protected；
Based on the information of vehicles and self-service rule of validating the car is preset, judges whether the self-service item of validating the car for meeting vehicle insurance core guarantor
Part；
If meeting the self-service condition of validating the car of vehicle insurance core guarantor, the task of validating the car is sent to car owner's client, so that vehicle
According to validating the car, task is self-service to validate the car main root；
Validate the car photo of car owner's client based on task upload of validating the car is received, and the vehicle is adjusted according to the photo of validating the car
Declaration form of insuring, with complete vehicle insurance core guarantor.
Vehicle insurance core guarantor refers to insurance application according to user or insurance agent's typing or corrects application in the present invention
Situation determine that underwriting conditions decide whether to be accepted insurance to improve quality of accepting insurance with acceptance policy and risk analysis；Specifically
Ground, vehicle insurance core of the present invention protect it is self-service validate the car involved in method to vehicle insurance core protect the flow of business and illustrate, vehicle insurance core is protected
Business includes flow of accepting insurance as shown in Figure 2, and as shown in Figure 3 validates the car；That is, to vehicle insurance under conditions of meeting vehicle insurance and accepting insurance
Underwriting business is adjusted, and the flow of validating the car of the vehicle in the present invention in the vehicle insurance underwriting procedures is improved.
With reference to Fig. 4, in the first embodiment for the self-service method of validating the car that a kind of vehicle insurance core of the present invention is protected, what the vehicle insurance core was protected
The self-service method of validating the car includes：
Step S10, the declaration form triggering vehicle insurance core of insuring based on vehicle car owner are protected request, are included in declaration form of insuring described in acquisition
Information of vehicles, and the task of validating the car that information of vehicles generation vehicle insurance core is protected.
Server protects request according to the declaration form triggering vehicle insurance core of insuring of vehicle car owner, i.e. receives insurance application in server
When, the information in insurance application judges whether to meet underwriting conditions, if meeting underwriting conditions, automatic trigger vehicle insurance core is protected please
Ask, server receives vehicle insurance core and protects request, and if judge whether to validate the car and need not validate the car, by existing vehicle insurance core
It protects flow and carries out core guarantor's operation, if desired validate the car, then the information of vehicles included in declaration form of insuring described in server acquisition,
In, information of vehicles includes vehicle license plate number, vehicle vehicle, vehicle brand, vehicle motor number, Vehicle Identify Number etc., and by institute
State the task of validating the car that information of vehicles generation vehicle insurance core is protected.
It further includes after step slo：
Step A, by it is described validate the car task generation task link, by the task link information by short message, wechat or
Person's application software is sent to car owner's client or client of validating the car.
Step B, when detect based on the task link queries validate the car task when, prompt the operating procedure validated the car.
The corresponding link of validating the car of the task that will validate the car in the present embodiment is sent to car owner's client or client of validating the car, with
Family (car owner or the person of validating the car) is clicked on when validating the car link, and display is validated the car the corresponding Quick Response Code of task, and making user, (car owner validates the car
Member) it can be scanned by wechat, the application software validated the car, when the vehicle of user needs to validate the car, system sends short message automatically
To user or business personnel or local shops, open short message link and be scanned two microcodes and be scanned and validate the car so that validate the car more
It is convenient.
Step S20 based on the information of vehicles and presets self-service rule of validating the car, and judges whether to meet the self-service of vehicle insurance core guarantor
It validates the car condition.
Information of vehicles of the server in declaration form of insuring and default self-service rule of validating the car, wherein, preset self-service rule of validating the car
It is then to be set according to the situation of vehicle, sets the self-service middle setting vehicle driving age of validating the car low in self-service rule of validating the car for example, presetting
In 2 years, meet in self-service validate the car adjusting or the default self-service rule of validating the car of vehicle insurance core guarantor and self-service middle setting vehicle of validating the car is set
It is in danger less than 3 times, meets the self-service adjusting of validating the car of vehicle insurance core guarantor, server inputs the vehicle of legal person according to user in declaration form of insuring
Information is compared with presetting self-service rule of validating the car, judge whether to meet vehicle insurance core guarantor it is self-service validate the car it is (self-service to validate the car：It is
Finger is shot by vehicle car owner and uploads photo of validating the car, and the person of validating the car without insurance company take pictures validating the car) condition, specifically,
What vehicle insurance core was protected, which presets self-service rule of validating the car, to be set according to vehicle brand, may be arranged as being set according to type,
For example, it is to be discontented with 5 years when the driving time of vehicle exceeds 2 years that self-service rule of validating the car is preset in the brand vehicle that runs quickly, then meet
The self-service condition of validating the car that vehicle insurance core is protected；In Shanghai Volkswagen's brand vehicle preset it is self-service validate the car rule be when vehicle driving time not
Man Sannian, while preset self-service rule of validating the car and the vehicle driving age can also be combined with the number that is in danger, for example, when being in danger for vehicle is secondary
Number is less than or equal to twice and the vehicle driving age is equal to 3 years, then meets the self-service condition of validating the car of vehicle insurance core guarantor.
The task of validating the car if meeting the self-service condition of validating the car of vehicle insurance core guarantor, is sent to car owner client by step S30
End, so that car owner validates the car according to the task of validating the car is self-service.
Server is determined for compliance with the self-service condition of validating the car of vehicle insurance core guarantor according to information of vehicles, then sends the task of validating the car
To car owner's client, there is car owner's client to receive vehicle and validate the car task, wherein, vehicle is validated the car when validating the car comprising vehicle in task
Between, (acquisition parameters include the acquisition parameters for photo of validating the car：Shooting angle, shooting light, shooting brightness), the upload for photo of validating the car
It data-interface and validates the car other related requests, it is complete in car owner's photograph taking of validating the car so that car owner validates the car according to the task of validating the car is self-service
Cheng Shi, the vehicle car owner photo that can will be validated the car by the upload data-interface for photo of validating the car are sent to server.
Step S40 receives validate the car photo of car owner's client based on task upload of validating the car, and according to the photo tune of validating the car
The declaration form of insuring of the whole vehicle, to complete vehicle insurance core guarantor.
Server receives validate the car photo of the vehicle car owner client based on task upload of validating the car, and server parses photograph of validating the car
Whether piece, the acquisition parameters for the photo that first determines whether to validate the car meet photographing request, meet photographing request in acquisition parameters, further,
Judge the authenticity of photo of validating the car, i.e. server validates the car existing artificial intelligence photo array technology photo applied to vehicle
On, identification is validated the car the authenticity of photo, prevent from validating the car photo modification (PS) etc. the phenomenon that, validating the car, photo authenticity verification passes through
When, increase anti-counterfeiting mark on photo validating the car, and using with anti-counterfeiting mark vehicle validate the car photo carry out core guarantor.
Photo of validating the car with anti-counterfeiting mark is carried out the identification of vehicle current information by server, i.e. identification has anti-fake
In the photo of validating the car of mark vehicle whether occur vehicle glass crush, vehicle motor number and original-pack vehicle transmitter number not
Identical or other vehicle damage traces, vehicle current information identifies will be in vehicle current information and declaration form of insuring after obtaining
Information of vehicles is compared, if the information of vehicles in vehicle current information and declaration form of insuring mismatches, it is determined that change the guarantor that insures
Single, declaration form is insured in change can be as the case may be, i.e. surrender, change premium, the hand-written rate of change, change license plate number, change
Risk, change insurant increase the kind of insurance, and declaration form is corrected to be formed；If the vehicle in vehicle current information and declaration form of insuring
Information matches, it is determined that do not change declaration form of insuring.
Specifically, the declaration form of insuring of the vehicle is adjusted according to photo of validating the car,
Included with completing the step of vehicle insurance core is protected：
Step a, photo of validating the car described in parsing, to obtain the vehicle current information.
The vehicle current information is compared step b with the information of vehicles in the declaration form of insuring, and is tied according to comparing
Fruit judges whether the information of insuring insured described in change in declaration form.
If the information of insuring in declaration form of insuring described in change, the vehicle is adjusted based on the vehicle current information by step c
Declaration form of insuring, with complete vehicle insurance core guarantor.
Server parses photo of validating the car, to obtain vehicle current information in photo of validating the car, for example, vehicle whether there is other
Vehicle current information with the information of vehicles in the declaration form of insuring is compared, is judged according to comparison result by failure, server
Whether insure information in the insure declaration form is changed, i.e. if information of vehicles in vehicle current information and declaration form of insuring is not
Match somebody with somebody, it is determined that declaration form of insuring is changed, if vehicle current information is matched with the information of vehicles in declaration form of insuring, it is determined that do not change throwing
Declaration form is protected, vehicle insurance core guarantor passes through, and the information of insuring if change is insured in declaration form adjusts the vehicle based on vehicle current information
Declaration form of insuring, with complete vehicle insurance core guarantor.
The self-service method of validating the car that vehicle insurance core is protected in the present embodiment, the declaration form of insuring that vehicle car owner is parsed by server touch
Dangerous core of dispatching a car protects request, obtains the information of vehicles included in declaration form of insuring, and validating the car for information of vehicles generation vehicle insurance core guarantor is appointed
Business, and determine whether the self-service condition of validating the car for meeting vehicle insurance core guarantor, if meeting the self-service condition of validating the car of vehicle insurance core guarantor, will validate the car
Task is sent to car owner's client, so that car owner validates the car according to the task of validating the car is self-service；It receives car owner's client and is based on task of validating the car
The photo of validating the car uploaded, and according to the declaration form of insuring for the photo adjustment vehicle of validating the car, to complete vehicle insurance core guarantor.Realize vehicle insurance
It is self-service validate the car, server will validate the car photo carry out anti-counterfeit recognition, prevent car owner's user terminal upload falseness validate the car photo to service
Device, server vehicle photo array by when, modified declaration form of insuring, carried according to the photo of validating the car that car owner's user terminal uploads
The high efficiency validated the car, further improves the efficiency insured, ensure that the authenticity for photo of validating the car.
Further, on the basis of first embodiment of the invention, embodiment is further provided, the present embodiment is first
The refinement of step S30 in embodiment；
It is illustrated in the present embodiment specific to the validate the car different dimensions of detection of photo of vehicle, the vehicle insurance core is protected
The self-service method of validating the car include：
With reference to Fig. 5, mode one：According to the form problem for the photo of validating the car that user uploads, it is determined whether according to car owner client
The photo of validating the car of end upload adjusts declaration form of insuring；Specifically,
Step S31 receives validate the car photo of car owner's client based on task upload of validating the car, and the photo of validating the car is carried out
Parsing, with the photographing information for photo of validating the car described in acquisition, wherein, the photographing information includes acquisition parameters, shooting time and bat
Take the photograph address.
The photo of validating the car that server uploads car owner client parses, i.e. server carries out the photo of validating the car of vehicle
Parsing, the photographing information for the photo that determines to validate the car, wherein, photographing information includes acquisition parameters, the form for photo of validating the car, photo of validating the car
Size, shooting time and shooting address.
Step S32, the photographing information is compared with preset rules, and whether photo of validating the car described in judgement meets shooting
It is required that.
Server parsing is validated the car the photographing information that photo obtains, and server is by photographing information and preset rules (preset rules
Include：Acquisition parameters and photographed scene information, acquisition parameters, for example, whether photo of validating the car is higher than default resolution ratio, photograph of validating the car
The dimension width and height of piece, if vehicle license plate number etc. can be accurately identified；Photographed scene information, for example, vehicle photo
Shooting time apart from the interval of current time, the shooting angle for photo of validating the car) be compared, if photographing information and preset rules
Matching, then terminal judgement photo of validating the car meets photographing request, if photographing information is mismatched with preset rules, terminal judgement is validated the car
Photo symbol does not conform to photographing request, for example, the problems such as clarity for photograph taking of validating the car is inadequate, vehicle license plate number covers, causes to take
Business device accurately cannot unsuccessfully validate the car the middle vehicle license plate number of photo, it is determined that photo of validating the car does not meet photographing request, and prompts
User re-shoots, if vehicle is validated the car, the acquisition parameters of photo meet the angle of setting, can be accurate in vehicle validates the car photo
Identify the full detail of vehicle, it is determined that photo of validating the car meets photographing request.
Step S33, if the photo of validating the car meets photographing request, photo of validating the car according to adjusts the throwing of the vehicle
Declaration form is protected, to complete vehicle insurance core guarantor.
It determines to validate the car after photo meets photographing request in server, the intelligent identifying system in server is according to photo of validating the car
In information adjustment vehicle declaration form of insuring, i.e. server automatic identification verification photo in vehicle with the presence or absence of damage on, identification
And conclusion of validating the car is summarized, to complete vehicle insurance core guarantor.
With reference to Fig. 6, mode two, according to the substantive issue for the photo of validating the car that user uploads, it is determined whether according to car owner client
The photo of validating the car of end upload adjusts declaration form of insuring；Specifically,
Step S34 receives validate the car photo of car owner's client based on task upload of validating the car, and the photo of validating the car is carried out
Fake certification.
Server receives validate the car photo of car owner's client based on task upload of validating the car, and the photo of validating the car is prevented
Puppet verification, i.e. the server photo that will validate the car parses, and the photo that determines to validate the car is real shooting photo, is in photo of validating the car
It is no to have the problems such as modification, photo of validating the car is detected without modification in server, and the authenticity for photo of validating the car can ensure, it is determined that test
Licence piece fake certification passes through.
Step S35, when detect it is described validate the car photo fake certification by when, the vehicle is adjusted according to the photo of validating the car
Declaration form of insuring, with complete vehicle insurance core guarantor.
Server receive fake certification as a result, determining server fake certification by then according to fake certification result
Validate the car photo fake certification by when, the declaration form of insuring of the vehicle is adjusted according to photo of validating the car, to complete vehicle insurance core guarantor.
It should be added that：Mode one and mode two can be combined in the present embodiment, i.e. server will be tested
After the form detection of licence piece passes through, the question of substance for photo of validating the car, after photo of validating the car is upchecked, root are further detected
According to the declaration form for photo adjustment input of validating the car.
Server carries out automatic identification to photographing information and the post-processing work for photo of validating the car in the present embodiment, realizes
It validates the car the artificial intelligence identification of photo, the authenticity of the photo of validating the car of guarantee so that it is more accurate, convenient and fast that vehicle insurance core is protected
It is prompt.
Further, with reference to Fig. 7, on the basis of first embodiment of the invention, vehicle insurance core of the present invention is further provided
The second embodiment for the self-service method of validating the car protected is directed to difference lies in the present embodiment with first embodiment of the invention and does not meet vehicle
The self-service condition of validating the car that dangerous core is protected, the step of being validated the car by the person of validating the car by client of validating the car；
The self-service method of validating the car that the vehicle insurance core is protected includes：
Step S50, if not meeting the self-service condition of validating the car of vehicle insurance core guarantor, the letter of validating the car in task of validating the car described in acquisition
Breath.
According to information of vehicles and the self-service condition of validating the car set, if vehicle is in danger, number is more than twice, and server determines
Do not meet the self-service condition of validating the car of vehicle insurance core guarantor, do not meet it is self-service validate the car condition when, server acquisition is validated the car testing in task
Vehicle information, wherein, information of validating the car includes validating the car time, vehicle address, the number-plate number validated the car, vehicle owner information etc..
According to validate the car information and the default allocation rule, the task of validating the car is distributed to the client that validates the car by step S60
End, so that the corresponding person of validating the car of client of validating the car validates the car according to the task of validating the car.
For server according to information and the default allocation rule of validating the car, presetting allocation rule includes distance rule, the person's of validating the car task
Rule, task of validating the car are promptly regular, and verification information is compared server with default allocation rule, are determined for compliance with default distribution
The client of rule is as verification client, and to distribute the task of validating the car to client of validating the car, vehicle is made to validate the car client's end group
In the task of validating the car that the task processing vehicle insurance core of validating the car that vehicle insurance core is protected is protected.
It may be employed not it should be added that server distributes the task of validating the car to qualified client of validating the car
With rule or the mode for being combined each rule in default allocation rule, root is specifically illustrated in the present embodiment
Determine to validate the car the method for client according to distance of validating the car, specifically, step S60, including：
Step S61 obtains validate the car position and the operating position of preset client validated the car in information, according to validate the car position and
Operating position determines distance of validating the car；
Server obtains the position of validating the car in information of validating the car, and obtains operating position (the preset client of preset client
Refer to:The corresponding client of the pre-set whole person of validating the car, the operating position of preset client, can be the person of validating the car office
Address location can also be the person's of validating the car counterpart terminal present position that server navigates in real time), server is according to position of validating the car
Put the distance for carrying out path planning with operating position and obtaining each terminal of validating the car and leading verification address.
Step S62, the distance that will validate the car are compared with the distance rule in default allocation rule, the distance rule met
Client of validating the car then；
Definite distance of validating the car is compared server with the distance rule in default allocation rule, i.e. server will
It obtains with the preset client apart from rule match in default allocation rule as the client of validating the car for meeting distance rule.
Step S63 distributes the task of validating the car to client of validating the car, so that the corresponding person's of the validating the car basis of client of validating the car
The task of validating the car is validated the car.
Server distributes the task of validating the car to client of validating the car, so that the corresponding person of validating the car of client of validating the car is according to testing
Vehicle task is validated the car.
In the present embodiment for the self-service condition of validating the car for not meeting vehicle insurance core guarantor, the task of validating the car is sent to the client that validates the car
End, so that the corresponding person of validating the car of client of validating the car validates the car according to the task of validating the car, by the task of validating the car according to the tight of the task of validating the car
Anxious degree is distributed to corresponding client of validating the car, so that client of validating the car can validate the car according to the task of validating the car, is improved and is tested
The efficiency of vehicle.
Further, with reference to Fig. 8, on the basis of second embodiment of the invention, vehicle insurance core of the present invention is further provided
The 3rd embodiment for the self-service method of validating the car protected.
In the self-service 3rd embodiment for validating the car method protected in vehicle insurance core of the present invention, server is by the correlation for client of validating the car
Information is sent to car owner's client, so that car owner's client can the real-time location information that must check client of validating the car；The vehicle
The self-service method of validating the car that dangerous core is protected includes：
Step S70, when detect client acquisition of validating the car validate the car task when, the mark letter for client of validating the car described in acquisition
Breath.
The situation of the task of validating the car received in monitoring server vehicle client, when client of validating the car checks and validates the car task,
Server detects that client acquisition of validating the car is validated the car task, when server detect client acquisition of validating the car validate the car task when, clothes
Business device obtains the identification information for client of validating the car described in the identification information acquisition for client of validating the car, wherein, identification information includes：It tests
Corresponding number of vehicle client etc..
The identification information is sent to car owner's client by step S80, so that car owner's client is based on mark
Information validate the car the positioning of client.
Server is sent to car owner's client by the identification information of the client of validating the car of acquisition, and by identification information, so that
Car owner's client based on identification information validate the car the positioning of client.For example, client of validating the car is the mobile phone for the person of validating the car,
The information such as the phone number for the person of validating the car are sent to car owner client, so that validate the car person of car owner's client according to acquisition by server
The information such as phone number carry out the positioning of the person of validating the car, to determine the time validated the car.
The information for client of validating the car is sent to car owner's client by server in the present embodiment, so that car owner can be solid
It fixes time and vehicle is placed into fixed position validates the car, improve the efficiency of validating the car of vehicle car owner so that car owner and the person of validating the car
Time of validating the car, address etc. more flexibly.
In addition, with reference to Fig. 9, the embodiment of the present invention also proposes the self-service device of validating the car that a kind of vehicle insurance core is protected, the vehicle insurance core
The self-service device of validating the car protected includes：
Generation module 10 is obtained, request is protected for the declaration form triggering vehicle insurance core of insuring based on vehicle car owner, obtains the throwing
Protect the information of vehicles included in declaration form, and the task of validating the car that information of vehicles generation vehicle insurance core is protected；
Condition judgment module 20 for being based on the information of vehicles and presetting self-service rule of validating the car, judges whether to meet vehicle
The self-service condition of validating the car that dangerous core is protected；
If for meeting the self-service condition of validating the car of vehicle insurance core guarantor, the task of validating the car is sent for task sending module 30
To car owner's client, so that car owner validates the car according to the task of validating the car is self-service；
It receives core and protects module 40, for receiving validate the car photo of car owner's client based on task upload of validating the car, and according to institute
The declaration form of insuring that photo of validating the car adjusts the vehicle is stated, to complete vehicle insurance core guarantor.
Wherein, the step of each Implement of Function Module for the self-service device of validating the car that vehicle insurance core is protected can refer to vehicle insurance core of the present invention
The each embodiment for the self-service method of validating the car protected, details are not described herein again.
In addition, the embodiment of the present invention also proposes a kind of computer storage media.
The self-service program of validating the car of vehicle insurance core guarantor, self-service the testing of the vehicle insurance core guarantor are stored on the computer storage media
The self-service following operation of validating the car that vehicle insurance core is protected is realized when range of driving sequence is executed by processor：
Declaration form triggering vehicle insurance core of insuring based on vehicle car owner protects request, the vehicle letter included in declaration form of insuring described in acquisition
Breath, and the task of validating the car that information of vehicles generation vehicle insurance core is protected；
Based on the information of vehicles and self-service rule of validating the car is preset, judges whether the self-service item of validating the car for meeting vehicle insurance core guarantor
Part；
If meeting the self-service condition of validating the car of vehicle insurance core guarantor, the task of validating the car is sent to car owner's client, so that vehicle
According to validating the car, task is self-service to validate the car main root；
Validate the car photo of car owner's client based on task upload of validating the car is received, and the vehicle is adjusted according to the photo of validating the car
Declaration form of insuring, with complete vehicle insurance core guarantor.
Wherein, the step of computer storage media is realized can refer to each of the self-service method of validating the car that vehicle insurance core of the present invention is protected
Embodiment, details are not described herein again.
It should be noted that herein, relational terms such as first and second and the like are used merely to a reality
Body/operation/object is distinguished with another entity/operation/object, without necessarily requiring or implying these entity/operations/
There are any actual relationship or orders between object；Term " comprising ", "comprising" or its any other variant meaning
Covering non-exclusive inclusion, so that process, method, article or system including a series of elements not only include that
A little elements, but also including other elements that are not explicitly listed or further include for this process, method, article or
The intrinsic element of system.In the absence of more restrictions, the element limited by sentence "including a ...", is not arranged
Except also there are other identical elements in the process including the element, method, article or system.
For device embodiment, since it is substantially similar to embodiment of the method, so describe fairly simple, it is related
Part illustrates referring to the part of embodiment of the method.The apparatus embodiments described above are merely exemplary, wherein making
The unit illustrated for separating component may or may not be physically separate.In can selecting according to the actual needs
Some or all of module realize the purpose of the present invention program.Those of ordinary skill in the art are not making the creative labor
In the case of, you can to understand and implement.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme substantially in other words does the prior art
Going out the part of contribution can be embodied in the form of software product, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server, air conditioner or network equipment etc.) perform method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow shift that bright specification and accompanying drawing content are made directly or indirectly is used in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of self-service method of validating the car that vehicle insurance core is protected, which is characterized in that self-service the validating the car including following step of the vehicle insurance core guarantor
Suddenly：
Declaration form triggering vehicle insurance core of insuring based on vehicle car owner protects request, the information of vehicles included in declaration form of insuring described in acquisition,
And the task of validating the car for protecting information of vehicles generation vehicle insurance core；
Based on the information of vehicles and self-service rule of validating the car is preset, judges whether the self-service condition of validating the car for meeting vehicle insurance core guarantor；
If meeting the self-service condition of validating the car of vehicle insurance core guarantor, the task of validating the car is sent to car owner's client, so that car owner's root
It validates the car according to the task of validating the car is self-service；
Validate the car photo of car owner's client based on task upload of validating the car is received, and the vehicle is adjusted according to the photo of validating the car
It insures declaration form, to complete vehicle insurance core guarantor.
2. the self-service method of validating the car that vehicle insurance core as described in claim 1 is protected, which is characterized in that reception car owner client's end group
In the photo of validating the car for task upload of validating the car, and according to the declaration form of insuring of the photo adjustment vehicle of validating the car, to complete vehicle insurance
The step of core is protected, including：
Validate the car photo of car owner's client based on task upload of validating the car is received, the photo of validating the car is parsed, to obtain
The photographing information for photo of validating the car is stated, wherein, the photographing information includes acquisition parameters, shooting time and shooting address；
The photographing information is compared with preset rules, whether photo of validating the car described in judgement meets photographing request；
If the photo of validating the car meets photographing request, photo of validating the car according to adjusts the declaration form of insuring of the vehicle, with complete
It is protected into vehicle insurance core.
3. the self-service method of validating the car that vehicle insurance core as described in claim 1 is protected, which is characterized in that reception car owner client's end group
In the photo of validating the car for task upload of validating the car, and according to the declaration form of insuring of the photo adjustment vehicle of validating the car, to complete vehicle insurance
The step of core is protected, including：
Validate the car photo of car owner's client based on task upload of validating the car is received, and the photo of validating the car is subjected to fake certification；
When detect it is described validate the car photo fake certification by when, the guarantor that insures of the vehicle is adjusted according to the photo of validating the car
It is single, to complete vehicle insurance core guarantor.
4. the self-service method of validating the car that the vehicle insurance core as described in claims 1 to 3 any one is protected, which is characterized in that the basis
The photo of validating the car adjusts the declaration form of insuring of the vehicle, to complete the step of vehicle insurance core is protected, further includes：
It validates the car described in parsing photo, to obtain the vehicle current information；
The vehicle current information with the information of vehicles in the declaration form of insuring is compared, is judged whether according to comparison result
The information of insuring insured described in change in declaration form；
If the information of insuring in declaration form of insuring described in change adjusts the guarantor that insures of the vehicle based on the vehicle current information
It is single, to complete vehicle insurance core guarantor.
5. the self-service method of validating the car that vehicle insurance core as described in claim 1 is protected, which is characterized in that described to judge whether to meet vehicle insurance
Core protect it is self-service validate the car condition the step of after, including：
If not meeting the self-service condition of validating the car of vehicle insurance core guarantor, the information of validating the car in task of validating the car described in acquisition；
According to validate the car information and the default allocation rule, the task of validating the car is distributed to client of validating the car, so that the visitor that validates the car
The corresponding person of validating the car in family end validates the car according to the task of validating the car；
Wherein, validate the car described in the basis information and default allocation rule, the task of validating the car is distributed to client of validating the car, with
The step of corresponding person of validating the car of client that makes to validate the car is validated the car according to the task of validating the car, including：
Validate the car position and the operating position of preset client validated the car in information are obtained, according to validating the car position and operating position determines
It validates the car distance；
The distance that will validate the car is compared with the distance rule in default allocation rule, the client that validates the car of the distance rule met
End；
The task of validating the car is distributed to client of validating the car, so that the corresponding person of validating the car of client of validating the car carries out according to task of validating the car
It validates the car.
6. the self-service method of validating the car that vehicle insurance core as claimed in claim 5 is protected, which is characterized in that information of validating the car described in the basis
With default allocation rule, by the task of validating the car distribute to validate the car client the step of after, including：
When detect client acquisition of validating the car validate the car task when, the identification information for client of validating the car described in acquisition；
The identification information is sent to car owner's client, so that car owner's client is validated the car based on identification information
The positioning of client.
7. the self-service method of validating the car that vehicle insurance core as described in claim 1 is protected, which is characterized in that the throwing based on vehicle car owner
It protects declaration form triggering vehicle insurance core and protects request, the information of vehicles included in declaration form of insuring described in acquisition, and the information of vehicles is generated
Vehicle insurance core protect validate the car task the step of after, including：
By the task generation task link of validating the car, the task link information is passed through into short message, wechat or application software
It is sent to car owner's client or client of validating the car；
When detect based on the task link queries validate the car task when, prompt the operating procedure validated the car.
8. the self-service device of validating the car that a kind of vehicle insurance core is protected, which is characterized in that the self-service device of validating the car that the vehicle insurance core is protected includes：
Generation module is obtained, protects request for the declaration form triggering vehicle insurance core of insuring based on vehicle car owner, declaration form of insuring described in acquisition
In the information of vehicles that includes, and the task of validating the car that information of vehicles generation vehicle insurance core is protected；
Condition judgment module for being based on the information of vehicles and presetting self-service rule of validating the car, judges whether to meet vehicle insurance core guarantor
Self-service condition of validating the car；
If the task of validating the car for meeting the self-service condition of validating the car of vehicle insurance core guarantor, is sent to car owner by task sending module
Client, so that car owner validates the car according to the task of validating the car is self-service；
It receives core and protects module, for receiving validate the car photo of car owner's client based on task upload of validating the car, and validated the car according to described
Photo adjusts the declaration form of insuring of the vehicle, to complete vehicle insurance core guarantor.
9. the self-service equipment of validating the car that a kind of vehicle insurance core is protected, which is characterized in that the self-service equipment of validating the car that the vehicle insurance core is protected includes：It deposits
Reservoir, processor and the self-service journey of validating the car for being stored in the vehicle insurance core guarantor that can be run on the memory and on the processor
Sequence, wherein：
It is realized when the self-service program of validating the car that the vehicle insurance core is protected is performed by the processor such as any one of claim 1 to 7 institute
The vehicle insurance core stated protect it is self-service validate the car method the step of.
10. a kind of computer storage media, which is characterized in that the self-service of vehicle insurance core guarantor is stored on the computer storage media
It validates the car program, is realized when the self-service program of validating the car that the vehicle insurance core is protected is executed by processor such as any one of claim 1 to 7 institute
The vehicle insurance core stated protect it is self-service validate the car method the step of.
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| CN110363419A (en) * | 2019-07-10 | 2019-10-22 | 拉扎斯网络科技（上海）有限公司 | Task data processing method and device, electronic equipment and medium |
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