CN108257021B - Vehicle insurance claim settlement method and device - Google Patents
Vehicle insurance claim settlement method and device Download PDFInfo
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- CN108257021B CN108257021B CN201710224898.4A CN201710224898A CN108257021B CN 108257021 B CN108257021 B CN 108257021B CN 201710224898 A CN201710224898 A CN 201710224898A CN 108257021 B CN108257021 B CN 108257021B
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- 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
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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 relates to a vehicle insurance claim settlement method and a device, wherein the method is applied to a survey terminal and comprises the following steps: receiving a vehicle insurance survey task, wherein the vehicle insurance survey task carries an insurance place; capturing position information of the surveying terminal, and allowing input operation of a surveying staff to be accepted when the position information is consistent with the insurance place; acquiring survey information input by a surveyor, wherein the survey information comprises survey projects and corresponding survey quotations; and uploading the survey information to a server so that the server compares the survey information according to a preset rule, and if the survey information conforms to the preset rule and the survey quotation is less than or equal to the preset value, recording the survey items and the survey quotation as the loss assessment items and the loss assessment amount corresponding to the vehicle insurance claims. By adopting the method, the time consumption of vehicle insurance claim settlement can be effectively reduced, and the claim settlement efficiency can be improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a vehicle insurance claim settlement method and device.
Background
With the popularization of automobiles, automobile insurance is gradually merged into the life of people. When the insured vehicle has a traffic accident, the insurance company can send out the surveyor to go to the accident site for surveying. Depending on the location and extent of the vehicle loss, the insurance company will typically also send a destroyer to a service point for the loss. After the damage is settled, the insurance company calculates the amount of the compensation. In the accident claim settlement process, the accident claim settlement process is basically completed manually, the time is long, and the efficiency is low.
Disclosure of Invention
Accordingly, there is a need to provide a vehicle insurance claim settlement method and apparatus capable of effectively reducing the time consumption of vehicle insurance claim settlement and improving the claim settlement efficiency.
A vehicle insurance claim settlement method is applied to an exploration terminal and comprises the following steps:
receiving a vehicle insurance survey task, wherein the vehicle insurance survey task carries an insurance place;
capturing position information of the surveying terminal, and allowing input operation of a surveying staff to be accepted when the position information is consistent with the insurance place;
acquiring survey information input by a surveyor, wherein the survey information comprises survey projects and corresponding survey quotations;
and uploading the survey information to a server so that the server compares the survey information according to a preset rule, and if the survey information conforms to the preset rule and the survey quotation is less than or equal to the preset value, recording the survey items and the survey quotation as the loss assessment items and the loss assessment amount corresponding to the vehicle insurance claims.
In one embodiment, the survey information includes an accessory project, the method further comprising:
acquiring an accessory item input by a surveyor, and performing matching verification on the accessory item;
if the operation is not verified, prompt information is generated, and the next operation of the surveyor is refused to be accepted.
In one embodiment, the step of performing matching verification on the accessory item includes:
when the accessory item is an assembly accessory or an inclusionary accessory, if the name of the next accessory is the accessory of the assembly accessory or the accessory of the inclusionary accessory, or the name of the next accessory is the total accessory of the assembly accessory or the total accessory of the inclusionary accessory, the verification is failed;
when the accessory item is repair-on-demand and accessory replacement, if the accessory name is currently input as an accessory to be repaired and the accessory name is input as an accessory to be replaced in the next operation, the verification fails;
if the name of the next accessory is the same as the name of the previous accessory, the verification is failed.
A vehicle insurance claim settlement apparatus, the apparatus comprising:
the system comprises a first receiving module, a second receiving module and a third receiving module, wherein the first receiving module is used for receiving a vehicle insurance survey task, and the vehicle insurance survey task carries an insurance place;
the positioning module is used for capturing the position information of the survey terminal;
the operation module is used for allowing input operation of a surveyor to be accepted when the position information is consistent with the insurance place;
the system comprises an acquisition module, a display module and a display module, wherein the acquisition module is used for acquiring survey information input by a surveyor, and the survey information comprises survey projects and corresponding survey quotations;
the first sending module is used for uploading the survey information to the server so that the server compares the survey information according to preset rules, if the survey information accords with the preset rules, and the survey quotation is less than or equal to the preset value, the survey items and the survey quotation are recorded as loss assessment items and loss assessment amounts corresponding to the vehicle insurance claims.
In one embodiment, the survey information includes accessory items, the obtaining module is further configured to obtain accessory items input by a surveyor, the apparatus further comprises:
the checking module is used for carrying out matching checking on the accessory items;
and the operation module is also used for generating prompt information and refusing to accept the next operation of the surveyor if the operation module does not pass the verification.
According to the vehicle insurance claim settlement method and device, when the vehicle insurance survey task is executed by the surveyor, the current position of the surveyor is captured through the survey terminal, and when the position information of the surveyor is consistent with the insurance place, the survey terminal allows the survey information input by the surveyor to be accepted, so that the accuracy of the survey information can be ensured. The survey terminal uploads the survey information to the server, the server compares the survey information through preset rules, and if the survey information conforms to the preset rules and the survey quotation is less than or equal to the preset value, the server can record the survey items and the survey quotation as the loss assessment items and the loss assessment amount corresponding to the vehicle insurance claims. The insurance company does not need to send the loss settlement personnel for loss settlement, and does not need to count the loss settlement amount again. Therefore, the time consumed by vehicle insurance claim settlement can be effectively reduced, and the claim settlement efficiency is improved.
A vehicle insurance claim settlement method is applied to a server and comprises the following steps:
receiving the vehicle insurance report information uploaded by the client terminal;
generating a vehicle insurance investigation task according to the vehicle insurance report information, and sending the vehicle insurance investigation task to an investigation terminal; the vehicle insurance survey task carries an insurance place;
receiving survey information uploaded by a survey terminal at the insurance place, wherein the survey information comprises survey projects and survey quotations;
and comparing the survey information according to a preset rule, and if the survey information accords with the preset rule and the survey quotation is less than or equal to a preset value, recording the survey items and the survey quotation as the loss assessment items and the loss assessment amount corresponding to the vehicle insurance claims.
In one embodiment, after the step of sending the vehicle insurance survey task to a survey terminal, the method further comprises the following steps:
receiving position information uploaded by the survey terminal in real time;
marking the position information in an electronic map;
acquiring surveyor information corresponding to a survey terminal and a link of an electronic map, generating feedback information according to the surveyor information and the link, and sending the feedback information to a client terminal.
In one embodiment, after the step of recording the survey items and survey quotes as the loss assessment items and loss assessment amounts corresponding to the vehicle insurance claims, the method further comprises:
obtaining the name and the corresponding address of a maintenance manufacturer;
generating recommendation information by using the name of the maintenance manufacturer and the corresponding address, and sending the recommendation information to a client terminal;
and when the client sends the repair to the vehicle in danger according to the recommended information, receiving the maintenance record uploaded by the maintenance terminal.
A vehicle insurance claim settlement apparatus, the apparatus comprising:
the second receiving module is used for receiving the vehicle insurance report information uploaded by the client terminal;
the task generating module is used for generating a vehicle insurance investigation task according to the vehicle insurance report information;
the second sending module is used for sending the vehicle insurance investigation task to an investigation terminal; the vehicle insurance survey task carries an insurance place;
the second receiving module is further used for receiving survey information uploaded by a survey terminal at the insurance site, wherein the survey information comprises survey projects and survey quotations;
and the comparison module is used for comparing the survey information according to a preset rule, and if the survey information accords with the preset rule and the survey quotation is less than or equal to the preset value, recording the survey project and the survey quotation as a loss assessment project and a loss assessment amount corresponding to the vehicle insurance claims.
In one embodiment, the second receiving module is further configured to receive location information uploaded by the survey terminal in real time; the device further comprises:
the recording module is used for marking the position information in an electronic map;
the information generating module is used for acquiring surveyor information corresponding to a survey terminal and a link of the electronic map, and generating feedback information according to the surveyor information and the link;
the second sending module is further configured to send the feedback information to the client terminal.
According to the method and the device for claims settlement of the automobile insurance, the server generates a corresponding automobile insurance investigation task after receiving the automobile insurance report information uploaded by the client terminal. When executing the vehicle insurance survey task, the surveyor surveys the vehicle insurance at the insurance place, uploads the survey information to the server through the survey terminal, and the server compares the survey information through the preset rules, if the survey information accords with the preset rules and the survey quotation is less than or equal to the preset value, the server can record the survey items and the survey quotation as the loss settlement items and the loss settlement amount corresponding to the vehicle insurance claims. The insurance company does not need to send the loss settlement personnel for loss settlement, and does not need to count the loss settlement amount again. Therefore, the time consumed by vehicle insurance claim settlement can be effectively reduced, and the claim settlement efficiency is improved.
Drawings
FIG. 1 is a diagram of an application environment of a vehicle insurance claim settlement method in one embodiment;
FIG. 2 is a flow diagram of a method for claims settlement in a vehicle insurance system, according to one embodiment;
FIG. 3 is a diagram of an exploration project information input interface, under an embodiment;
FIG. 4 is a diagram illustrating an exemplary configuration of an exploration terminal;
FIG. 5 is a flowchart of a vehicle insurance claim settlement method in another embodiment;
FIG. 6 is a schematic diagram of a server in one embodiment;
FIG. 7 is a schematic structural diagram of the vehicle insurance claim settlement device in one embodiment;
fig. 8 is a schematic structural diagram of the vehicle insurance claim settlement device in another embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The vehicle insurance claim settlement method provided by the embodiment of the invention can be applied to the application environment shown in fig. 1. The client terminal 102 is connected to the server 104 via a network, and the survey terminal 106 is connected to the server 104 via a network. When an accident occurs in the vehicle involved in the insurance, the client can use the client terminal 102 to make a vehicle insurance report to the server 104. The report information includes basic information of the vehicle, a place of emergency and the like. The server 104 acquires the report information, generates a vehicle insurance survey task by using the report information, and sends the vehicle insurance survey task to the survey terminal 106 corresponding to the surveyor. The surveyor surveys the accident vehicle at the location of the accident and inputs survey information through the survey terminal 106. After the survey information is input, the survey terminal 106 uploads the survey information to the server 104. The server 104 receives the survey information and compares the survey information according to a preset rule. And if the survey information meets the preset rule and the survey quotation is less than or equal to the preset value, determining that the vehicle insurance claim is a low-risk claim. The server determines the survey projects as corresponding damage-fixing projects and records them, and the server 104 determines the survey quotes as corresponding damage-fixing amounts and records them. For the low-risk car insurance claim settlement, the insurance company is not required to send out the loss settlement personnel for the loss settlement, and the loss settlement amount is not required to be calculated again. Therefore, the time consumed by vehicle insurance claim settlement can be effectively reduced, and the claim settlement efficiency is improved.
In an embodiment, as shown in fig. 2, a method for claiming claims in car insurance is provided, which is described by taking an example of the method applied to a survey terminal, and specifically includes the following steps:
And step 204, capturing the position information of the survey terminal, and allowing the input operation of the surveyor to be accepted when the position information is consistent with the insurance place.
When the vehicle has an accident, the client can use the client terminal to carry out the vehicle insurance reporting to the server. The report information includes basic information of the vehicle, a place of emergency and the like. The server acquires the report information, generates a vehicle insurance investigation task by using the report information, and sends the vehicle insurance investigation task to the investigation terminal corresponding to the investigator.
After the survey officer receives the vehicle insurance survey task through the survey terminal, the survey terminal can capture the current position information through GPS positioning and upload the position information to the server. The survey terminal can upload the position information of the surveyor to the server in real time on the way of going to the danger site.
In order to ensure the accuracy of the survey information entered by the surveyor, the survey terminal refuses the operation of the surveyor to input the survey information before the surveyor arrives at the place of adventure. The location information of the survey terminal includes longitude and latitude. And the surveying terminal acquires the longitude and the latitude corresponding to the insurance place. When the longitude and the latitude of the surveying terminal and the longitude and the latitude of the insurance place are within the preset range, the surveying terminal can determine that the position information where the surveying terminal is located is consistent with the insurance place, and the surveying person is shown to arrive at the insurance place.
And step 208, uploading the survey information to the server so that the server compares the survey information according to a preset rule, and if the survey information conforms to the preset rule and the survey quotation is less than or equal to the preset value, recording the survey item and the survey quotation as a loss assessment item and a loss assessment amount corresponding to the vehicle insurance claims.
And (4) surveying the accident vehicle at the insurance place by a surveyor, and inputting surveying information through a surveying terminal. The survey information includes: basic information and survey project information. The basic information includes: vehicle structure, lost parts, insurance acceptance, accident liability, etc. The survey project comprises: accessory items and man-hour items. The survey project information input interface is shown in fig. 3. The accessory item has a corresponding quantity and price quote. The man-hour items have corresponding quotes. The offers may have corresponding local offers. The market quote for the accessory name corresponding locally may be displayed in the field of the local price. The local price may facilitate direct entry of quotes by surveyors at the scene of the insured event. The total amount of the quotation of the accessory item can also be called the total amount of the accessory, and the total amount of the quotation of the man-hour item can also be called the total amount of the man-hour. The sum of the total amount of accessories and the total amount of man-hours may be referred to collectively as a survey offer or a survey total.
After the survey information is input, the survey terminal uploads the survey information to the server. The server receives the survey information and compares the survey information according to a preset rule. The preset rules include, for example, the level of insurance underwriting, accident liability, whether the vehicle is driving by the owner, whether the vehicle is a blacklisted driver, the number of accessories, the amount of individual accessories, the total amount of man-hours, and the total amount of survey. Different mechanisms may set different preset rules.
And if the survey information meets the preset rule and the survey quotation is less than or equal to the preset value, determining that the vehicle insurance claim is a low-risk claim. For example, the predetermined rules set by an organization are that the accident responsibility is exempt, the number of accessories is 3, and the survey price is 2000 yuan. If the survey information conforms to the preset rule and the survey quotation is less than 2000 yuan, the server determines the vehicle insurance claim as a low risk claim. And the server determines the survey projects as corresponding loss assessment projects and records the same, and determines the survey quotations as corresponding loss assessment amounts and records the same. For the low-risk car insurance claim settlement, the insurance company is not required to send out the loss settlement personnel for the loss settlement, and the loss settlement amount is not required to be calculated again. Therefore, the time consumed by vehicle insurance claim settlement can be effectively reduced, and the claim settlement efficiency is improved.
And if the contents which do not accord with the preset rules exist in the survey information or the survey quotation is higher than the preset value, the server determines that the vehicle insurance claim is a high-risk claim. And the server sends the survey information to an auditing terminal for manual auditing.
In this embodiment, when the surveyor performs the car insurance survey task, the current position of the surveyor is captured by the survey terminal, and when the position information of the surveyor is consistent with the insurance place, the survey terminal allows the survey information input by the surveyor to be accepted, so that the accuracy of the survey information can be ensured. The survey terminal uploads the survey information to the server, the server compares the survey information through preset rules, and if the survey information conforms to the preset rules and the survey quotation is less than or equal to the preset value, the server can record the survey items and the survey quotation as the loss assessment items and the loss assessment amount corresponding to the vehicle insurance claims. The insurance company does not need to send the loss settlement personnel for loss settlement, and does not need to count the loss settlement amount again. Therefore, the time consumed by vehicle insurance claim settlement can be effectively reduced, and the claim settlement efficiency is improved.
In one embodiment, the survey information includes an accessory project, the method further comprising: acquiring an accessory item input by a surveyor, and performing matching verification on the accessory item; if the operation is not verified, prompt information is generated, and the next operation of the surveyor is refused to be accepted.
And (4) surveying the accident vehicle at the insurance place by a surveyor, and inputting surveying information through a surveying terminal. The survey information includes survey items, including accessory items. When the surveyor inputs the accessory item, the surveying terminal performs matching verification on the accessory item.
In one embodiment, the step of performing match check on the accessory item includes: when the accessory item is an assembly accessory or an inclusionary accessory, if the name of the next accessory is the accessory of the assembly accessory or the accessory of the inclusionary accessory, or the name of the next accessory is the total accessory of the assembly accessory or the total accessory of the inclusionary accessory, the verification is failed; when the accessory item is repair and the accessory is replaced, if the name of the accessory is currently input as the accessory to be repaired, and the name of the accessory is input as the accessory to be replaced in the next operation, the verification is failed; if the name of the next accessory is the same as the name of the previous accessory, the verification is failed.
When the accessory item input by the surveyor is an assembly accessory, if the currently input accessory name is an assembly accessory and the accessory name input in the next accessory item is an accessory of the assembly accessory, the verification fails. Or if the currently input accessory name is an accessory of the assembly accessory and the accessory name input in the next accessory item is the assembly accessory, the verification fails. For example, if the accessory item currently input by the surveyor is a front bumper belonging to the assembly accessory and the accessory name input in the next accessory item is a bumper stay, the matching check cannot be passed.
For accessories that are not assembly accessories, but that also contain accessory accessories, may be referred to as inclusive accessories. For example, an airbag includes an airbag, an airbag sensor, and an electronic control device. If the currently input accessory name is an airbag and the accessory name input in the next accessory item is an airbag sensor, the matching verification cannot be passed.
When the accessory item input by the surveyor belongs to repair and replacement, it indicates that the input accessory is a to-be-repaired accessory or a to-be-replaced accessory, that is, the input accessory is either repaired or replaced. If the accessory name is currently entered as the accessory to be repaired, the matching verification cannot be passed if the accessory name is entered as the accessory to be replaced in the next operation. Or the name of the accessory is currently input as the accessory to be replaced, and if the name of the accessory is input as the accessory to be maintained in the next operation, the name of the accessory passes the matching verification.
Furthermore, when the surveyor repeatedly enters the same accessory name, the match check cannot be passed. When the matching verification fails, the survey terminal generates prompt information, and a surveyor needs to modify the input accessory items in time. And if the surveyor does not modify or fails to pass the matching verification after the modification, the surveying terminal refuses to accept the next operation of the surveyor until the currently input accessory item passes the matching verification.
By carrying out various matching checks on the input accessory items, repeated input, error input and the like are effectively prevented. And timely prompting is carried out on the accessory items which fail to pass the matching verification so as to ensure that the accessory items input by the surveyor are accurate and error-free.
In one embodiment, as shown in fig. 4, there is provided an exploration terminal 400, comprising a processor 401, an internal memory 402, a non-volatile storage medium 403, a network interface 404, a display screen 405, and an input device 406 connected by a system bus. The nonvolatile storage medium 403 of the survey terminal 400 stores a vehicle insurance claim settlement device, which is used for effectively reducing the time consumed by vehicle insurance claim settlement and improving the claim settlement efficiency. The processor of the terminal 110 is configured to provide computing and control capabilities and is configured to perform a vehicle insurance claim settlement method. The display 405 of the survey terminal 400 may be a liquid crystal display, an electronic ink display, or the like. The input device 406 of the survey terminal 400 may be a touch layer covered on a display screen, or a button or a touch pad provided on a housing of the terminal. The survey terminal 400 may be a mobile terminal such as a mobile phone, a tablet computer, or a personal digital assistant. It will be appreciated by those skilled in the art that the configuration shown in figure 4 is a block diagram of only a portion of the configuration relevant to the present teachings and does not constitute a limitation on the survey terminal to which the present teachings are applied, and that a particular survey terminal may include more or less components than shown, or combine certain components, or have a different arrangement of components.
In an embodiment, as shown in fig. 5, a method for claims settlement of car insurance is provided, and taking the application of the method to a server as an example, the method specifically includes the following steps:
And step 508, comparing the survey information according to preset rules, and if the survey information accords with the preset rules and the survey quotation is less than or equal to the preset value, recording the survey items and the survey quotation as the loss assessment items and the loss assessment amount corresponding to the vehicle insurance claims.
In this embodiment, when an accident occurs in an insured vehicle of a client, the client can use the client terminal to make a vehicle insurance report to the server. The report information includes basic information of the vehicle, a place of emergency and the like. The server acquires the report information, generates a vehicle insurance investigation task by using the report information, and sends the vehicle insurance investigation task to the investigation terminal corresponding to the investigator. For example, the server may assign a car insurance survey task to a surveyor who is closest to the place of emergence.
And (4) surveying the accident vehicle at the insurance place by a surveyor, and inputting surveying information through a surveying terminal. The survey information includes: basic information and survey project information. The basic information includes: vehicle structure, lost parts, insurance acceptance, accident liability, etc. After the survey information is input, the survey terminal uploads the survey information to the server. The server receives the survey information and compares the survey information according to a preset rule. The preset rules include, for example, the level of insurance underwriting, accident liability, whether the vehicle is driving by the owner, whether the vehicle is a blacklisted driver, the number of accessories, the amount of individual accessories, the total amount of man-hours, and the total amount of survey. Different mechanisms may set different preset rules.
And if the survey information meets the preset rule and the survey quotation is less than or equal to the preset value, determining that the vehicle insurance claim is a low-risk claim. And the server determines the survey projects as corresponding loss assessment projects and records the same, and determines the survey quotations as corresponding loss assessment amounts and records the same. For the low-risk car insurance claim settlement, the insurance company is not required to send out the loss settlement personnel for the loss settlement, and the loss settlement amount is not required to be calculated again. Therefore, the time consumed by vehicle insurance claim settlement can be effectively reduced, and the claim settlement efficiency is improved.
In this embodiment, the server generates a corresponding vehicle insurance survey task after receiving the vehicle insurance report information uploaded by the client terminal. When executing the vehicle insurance survey task, the surveyor surveys the vehicle insurance at the insurance place, uploads the survey information to the server through the survey terminal, and the server compares the survey information through the preset rules, if the survey information accords with the preset rules and the survey quotation is less than or equal to the preset value, the server can record the survey items and the survey quotation as the loss settlement items and the loss settlement amount corresponding to the vehicle insurance claims. The insurance company does not need to send the loss settlement personnel for loss settlement, and does not need to count the loss settlement amount again. Therefore, the time consumed by vehicle insurance claim settlement can be effectively reduced, and the claim settlement efficiency is improved.
In one embodiment, after the step of sending the vehicle insurance survey task to the survey terminal, the method further comprises the following steps: receiving position information uploaded by a survey terminal in real time; marking the position information in the electronic map; acquiring surveyor information corresponding to the survey terminal and a link of the electronic map, generating feedback information according to the surveyor information and the link, and sending the feedback information to the client terminal.
In this embodiment, after the server sends the car insurance survey task to the survey terminal, the survey officer can utilize the survey terminal to execute the car insurance survey task. The survey terminal locates the current position of the survey terminal and uploads the position information to the server in real time. The server may mark in the electronic map according to the location information of the survey terminal. The server can also mark the position information of the insurance place in the electronic map. For example, the server marks the starting position of the viewing terminal as a starting point in the electronic map, and marks the position of the emergency point as an ending point in the electronic map.
And after the server sends the vehicle insurance survey task to the survey terminal, obtaining the information of surveyors, such as names, contact numbers and the like. The server acquires the link of the electronic map, generates feedback information by using the link and the surveyor information, and returns the feedback information to the client terminal. The client clicks the link through the client terminal, the electronic map can be displayed, and the position of the surveying terminal on the electronic map is displayed, so that the client can conveniently know the position of the surveying staff in real time. Providing convenience for customers.
In one embodiment, after the step of recording the survey terms and survey quotes as the damage-fixing terms and damage-fixing amounts corresponding to the vehicle insurance claims, the method further comprises: obtaining the name and the corresponding address of a maintenance manufacturer; generating recommendation information by using the name of the maintenance manufacturer and the corresponding address, and sending the recommendation information to the client terminal; and when the client sends the repair to the vehicle in danger according to the recommended information, receiving the maintenance record uploaded by the maintenance terminal.
In this embodiment, after the vehicle insurance loss assessment is completed, the server may obtain the name of the maintenance manufacturer and the corresponding address, generate recommendation information by using the name of the maintenance manufacturer and the corresponding address, and send the recommendation information to the client terminal. When the vehicle in danger is maintained by the recommended maintenance manufacturer, the maintenance terminal of the maintenance manufacturer uploads the maintenance record of the vehicle in danger to the server. And the server stores the maintenance record of the vehicle in danger.
Furthermore, the server can also count the names of the maintenance manufacturers selected by the client to send the maintenance according to the maintenance records according to the preset frequency, and the names of the maintenance manufacturers with the times of the selected maintenance by the client being more than the threshold value are recorded as key recommenders. The server can also obtain the price of the parts uploaded by the key recommendation manufacturer so as to update the damage assessment price corresponding to the damage assessment parts, and therefore the accuracy of automatic damage assessment can be further improved.
In one embodiment, as shown in FIG. 6, a server 600 is provided that includes a processor 601, an internal memory 602, a non-volatile storage medium 603, and a network interface 604 connected by a system bus. The non-volatile storage medium 603 of the server stores an operating system 6031 and a vehicle insurance claim settlement device 6032, and the vehicle insurance claim settlement device 6032 is used for effectively reducing time consumed by vehicle insurance claim settlement and improving claim settlement efficiency. The processor 601 of the server 600 is configured to provide computing and control capabilities and is configured to perform a vehicle insurance claims settlement method. The internal memory 602 of the server 600 provides an environment for the operation of the vehicle insurance claim settlement apparatus 6032 in a non-volatile storage medium, and computer readable instructions can be stored in the internal memory 602, and when executed by a processor, the computer readable instructions can cause the processor to execute a vehicle insurance claim settlement method. The network interface 604 of the server 600 is used for communicating with external terminals through network connection, such as receiving vehicle insurance application information uploaded by the client terminal, and sending vehicle insurance survey tasks to survey terminals. The server 600 may be implemented as a stand-alone server or as a server cluster comprising a plurality of servers. Those skilled in the art will appreciate that the architecture shown in fig. 6 is a block diagram of only a portion of the architecture associated with the subject application, and does not constitute a limitation on the servers to which the subject application applies, as a particular server may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, as shown in fig. 7, there is provided a vehicle insurance claims settlement apparatus, including: a first receiving module 702, a positioning module 704, an operating module 706, an obtaining module 708, and a first sending module 710, wherein:
the first receiving module 702 is configured to receive a vehicle insurance survey task, where the vehicle insurance survey task carries an insurance location.
And a positioning module 704 for capturing the position information of the survey terminal.
And an operation module 706, configured to allow an input operation of the surveyor to be accepted when the position information corresponds to the place of the risk.
An obtaining module 708 for obtaining survey information input by a surveyor, the survey information including survey projects and corresponding survey quotations.
The first sending module 710 is configured to upload the survey information to the server, so that the server compares the survey information according to the preset rule, and if the survey information conforms to the preset rule and the survey offer is less than or equal to the preset value, record the survey item and the survey offer as a loss assessment item and a loss assessment amount corresponding to the vehicle insurance claim.
In one embodiment, the survey information includes accessory items, the obtaining module 708 is further configured to obtain accessory items input by a surveyor, the apparatus further comprises: the checking module 712 is used for performing matching checking on the accessory items; the operation module 706 is further configured to generate a prompt if the verification is not passed, and refuse to accept the next operation of the surveyor.
In one embodiment, the checking module 712 is further configured to, when the accessory item is an assembly accessory or a containment accessory, check that the accessory item fails if the input next item of accessory name is an accessory of the assembly accessory or an accessory of the containment accessory, or the input next item of accessory name is a total accessory of the assembly accessory or a total accessory of the containment accessory; when the accessory item is repair and the accessory is replaced, if the name of the accessory is currently input as the accessory to be repaired, and the name of the accessory is input as the accessory to be replaced in the next operation, the verification is failed; if the name of the next accessory is the same as the name of the previous accessory, the verification is failed.
In one embodiment, as shown in fig. 8, there is provided a vehicle insurance claims settlement apparatus, including: a second receiving module 802, a task generating module 804, a second sending module 806, and a comparing module 808, wherein:
a second receiving module 802, configured to receive the vehicle insurance reporting information uploaded by the client terminal.
And the task generating module 804 is used for generating the vehicle insurance survey task according to the vehicle insurance report information.
A second sending module 806, configured to send the vehicle insurance survey task to a survey terminal; the vehicle insurance survey task carries the place of the accident.
The second receiving module 802 is further configured to receive survey information uploaded by the survey terminal at the insurance site, where the survey information includes survey projects and survey quotations.
And the comparison module 808 is configured to compare the survey information according to the preset rule, and record the survey item and the survey offer as the loss assessment item and the loss assessment amount corresponding to the vehicle insurance claim if the survey information conforms to the preset rule and the survey offer is less than or equal to the preset value.
In one embodiment, the second receiving module 802 is further configured to receive location information uploaded by the survey terminal in real time; the device also includes: a recording module 810 and an information generating module 812, wherein:
and a recording module 810 for marking the position information in the electronic map.
And an information generating module 812, configured to obtain surveyor information corresponding to the survey terminal and a link of the electronic map, and generate feedback information according to the surveyor information and the link.
The second sending module 806 is further configured to send the feedback information to the client terminal.
In one embodiment, the information generating module 812 is further configured to obtain a name and a corresponding address of a service manufacturer; generating recommendation information by using the name of the maintenance manufacturer and the corresponding address; the second sending module 806 is further configured to send the recommendation information to the client terminal; the second receiving module 802 is further configured to receive a maintenance record uploaded by the maintenance terminal when the customer sends the repair to the vehicle in danger according to the recommendation information.
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (8)
1. A vehicle insurance claim settlement method is applied to an exploration terminal and comprises the following steps:
receiving a vehicle insurance survey task, wherein the vehicle insurance survey task carries an insurance place;
capturing position information of the surveying terminal, and allowing input operation of a surveying staff to be accepted when the position information is consistent with the insurance place;
acquiring survey information input by a surveyor, wherein the survey information comprises survey projects and corresponding survey quotations, the survey projects comprise accessory projects and working hour projects, the survey projects have corresponding quantities and quotations, the working hour projects have corresponding quotations, the quotations have corresponding local quotations, and the sum of the total quotation amount of the accessory projects and the total quotation amount of the working hour projects is the survey quotation;
uploading the survey information to a server so that the server compares the survey information according to a preset rule, and if the survey information conforms to the preset rule and the survey quotation is less than or equal to a preset value, recording the survey items and the survey quotation as the loss assessment items and the loss assessment amount corresponding to the vehicle insurance claims; if the contents which do not accord with the preset rules exist in the survey information or the survey quotation is higher than the preset value, the server sends the survey information to a auditing terminal for manual auditing;
the method further comprises the following steps:
acquiring an accessory item input by a surveyor, and performing matching verification on the accessory item;
if the operation passes the verification, generating prompt information and refusing to accept the next operation of the surveyor;
the step of performing matching verification on the accessory item includes:
when the accessory item is an assembly accessory or an inclusionary accessory, if the name of the next accessory is the accessory of the assembly accessory or the accessory of the inclusionary accessory, or the name of the next accessory is the total accessory of the assembly accessory or the total accessory of the inclusionary accessory, the verification is failed;
when the accessory item is repair-on-demand and accessory replacement, if the accessory name is currently input as an accessory to be repaired and the accessory name is input as an accessory to be replaced in the next operation, the verification fails;
when the accessory item is repair-on-demand and accessory replacement, if the accessory name is currently input as an accessory to be replaced and the accessory name is input as an accessory to be repaired in the next operation, the verification fails;
if the name of the next accessory is the same as the name of the previous accessory, the verification is failed.
2. A vehicle insurance claim settlement method is applied to a server and comprises the following steps:
receiving the vehicle insurance report information uploaded by the client terminal;
generating a vehicle insurance investigation task according to the vehicle insurance report information, and sending the vehicle insurance investigation task to an investigation terminal; the vehicle insurance survey task carries an insurance place;
receiving survey information uploaded by a survey terminal at the work-out place, wherein the survey information comprises survey projects and survey quotations, the survey projects comprise accessory projects and working hour projects, the survey projects have corresponding quantities and quotations, the working hour projects have corresponding quotations, the quotations have corresponding local quotations, and the sum of the total quotation amount of the accessory projects and the total quotation amount of the working hour projects is the survey quotation;
comparing the survey information according to a preset rule, and if the survey information conforms to the preset rule and the survey quotation is less than or equal to a preset value, recording the survey items and the survey quotation as the loss assessment items and the loss assessment amount corresponding to the vehicle insurance claims; if the contents which do not accord with the preset rules exist in the survey information or the survey quotation is higher than the preset value, the survey information is sent to a auditing terminal for manual auditing;
the method comprises the steps that an accessory item input by a surveyor is obtained by a surveying terminal, and matching verification is conducted on the accessory item; if the operation passes the verification, generating prompt information and refusing to accept the next operation of the surveyor;
wherein, survey terminal the accessory project matches the check-up, include:
when the accessory item is an assembly accessory or an inclusionary accessory, if the name of the next accessory is the accessory of the assembly accessory or the accessory of the inclusionary accessory, or the name of the next accessory is the total accessory of the assembly accessory or the total accessory of the inclusionary accessory, the verification is failed;
when the accessory item is repair-on-demand and accessory replacement, if the accessory name is currently input as an accessory to be repaired and the accessory name is input as an accessory to be replaced in the next operation, the verification fails;
when the accessory item is the repair-on-demand and accessory replacement, if the accessory name is currently input as the accessory to be replaced and the accessory name is input as the accessory to be repaired in the next operation, the verification fails;
if the name of the next accessory is the same as the name of the previous accessory, the verification is failed.
3. The method of claim 2, further comprising, after the step of sending the vehicle insurance survey task to a survey terminal:
receiving position information uploaded by the survey terminal in real time;
marking the position information in an electronic map;
acquiring surveyor information corresponding to a survey terminal and a link of an electronic map, generating feedback information according to the surveyor information and the link, and sending the feedback information to a client terminal.
4. The method of claim 2, further comprising, after said step of recording said survey terms and survey quotes as a damage fix term and a damage fix amount corresponding to a vehicle insurance claim:
obtaining the name and the corresponding address of a maintenance manufacturer;
generating recommendation information by using the name of the maintenance manufacturer and the corresponding address, and sending the recommendation information to a client terminal;
and when the client sends the repair to the vehicle in danger according to the recommended information, receiving the maintenance record uploaded by the maintenance terminal.
5. A vehicle insurance claim settlement apparatus, the apparatus comprising:
the system comprises a first receiving module, a second receiving module and a third receiving module, wherein the first receiving module is used for receiving a vehicle insurance survey task, and the vehicle insurance survey task carries an insurance place;
the positioning module is used for capturing the position information of the survey terminal;
the operation module is used for allowing input operation of a surveyor to be accepted when the position information is consistent with the insurance place;
the system comprises an acquisition module, a display module and a display module, wherein the acquisition module is used for acquiring survey information input by a surveyor, the survey information comprises survey projects and corresponding survey quotations, the survey projects comprise accessory projects and working hour projects, the survey projects have corresponding quantities and quotations, the working hour projects have corresponding quotations, the quotations have corresponding local quotations, and the sum of the total quotation amount of the accessory projects and the total quotation amount of the working hour projects is the survey quotation;
the first sending module is used for uploading the survey information to a server so that the server compares the survey information according to a preset rule, and if the survey information conforms to the preset rule and the survey quotation is less than or equal to a preset value, recording the survey item and the survey quotation as a loss assessment item and a loss assessment amount corresponding to the vehicle insurance claims; if the contents which do not accord with the preset rules exist in the survey information or the survey quotation is higher than the preset value, the server sends the survey information to a auditing terminal for manual auditing;
the acquisition module is further configured to acquire an accessory item input by a surveyor, the apparatus further comprising:
the checking module is used for carrying out matching checking on the accessory items;
the operation module is also used for generating prompt information and refusing to accept the next operation of the surveyor if the operation module does not pass the verification;
the checking module is also used for judging whether the checking is passed if the name of the next accessory is the accessory of the assembly accessory or the accessory of the inclusive accessory or the name of the next accessory is the total accessory of the assembly accessory or the total accessory of the inclusive accessory when the accessory item is the assembly accessory or the inclusive accessory; when the accessory item is repair and the accessory is replaced, if the name of the accessory is currently input as the accessory to be repaired, and the name of the accessory is input as the accessory to be replaced in the next operation, the verification is failed; if the name of the next accessory is the same as the name of the previous accessory, the verification is failed.
6. A vehicle insurance claim settlement apparatus, the apparatus comprising:
the second receiving module is used for receiving the vehicle insurance report information uploaded by the client terminal;
the task generating module is used for generating a vehicle insurance investigation task according to the vehicle insurance report information;
the second sending module is used for sending the vehicle insurance investigation task to an investigation terminal; the vehicle insurance survey task carries an insurance place;
the second receiving module is further used for receiving survey information uploaded by a survey terminal at the insurance site, wherein the survey information comprises survey projects and survey quotations, the survey projects comprise accessory projects and working hour projects, the survey projects have corresponding quantities and quotations, the working hour projects have corresponding quotations, the quotations have corresponding local quotations, and the sum of the total quotation amount of the accessory projects and the total quotation amount of the working hour projects is the survey quotation;
the comparison module is used for comparing the survey information according to a preset rule, and if the survey information accords with the preset rule and the survey quotation is less than or equal to a preset value, recording the survey project and the survey quotation as a loss assessment project and a loss assessment amount corresponding to the vehicle insurance claims; if the contents which do not accord with the preset rules exist in the survey information or the survey quotation is higher than the preset value, the survey information is sent to a auditing terminal for manual auditing;
the survey terminal is also used for acquiring accessory items input by a surveyor and carrying out matching verification on the accessory items; if the operation passes the verification, generating prompt information and refusing to accept the next operation of the surveyor;
wherein, survey terminal the accessory project matches the check-up, include:
when the accessory item is an assembly accessory or an inclusionary accessory, if the name of the next accessory is the accessory of the assembly accessory or the accessory of the inclusionary accessory, or the name of the next accessory is the total accessory of the assembly accessory or the total accessory of the inclusionary accessory, the verification is failed;
when the accessory item is repair-on-demand and accessory replacement, if the accessory name is currently input as an accessory to be repaired and the accessory name is input as an accessory to be replaced in the next operation, the verification fails;
when the accessory item is the repair-on-demand and accessory replacement, if the accessory name is currently input as the accessory to be replaced and the accessory name is input as the accessory to be repaired in the next operation, the verification fails;
if the name of the next accessory is the same as the name of the previous accessory, the verification is failed.
7. The apparatus of claim 6, wherein the second receiving module is further configured to receive location information uploaded by the survey terminal in real time; the device further comprises:
the recording module is used for marking the position information in an electronic map;
the information generating module is used for acquiring surveyor information corresponding to a survey terminal and a link of the electronic map, and generating feedback information according to the surveyor information and the link;
the second sending module is further configured to send the feedback information to the client terminal.
8. The apparatus of claim 7, wherein the information generating module is further configured to obtain a name of a service manufacturer and a corresponding address; generating recommendation information by using the name of the maintenance manufacturer and the corresponding address; the second sending module is also used for sending the recommendation information to the client terminal; the second receiving module is also used for receiving the maintenance record uploaded by the maintenance terminal when the client sends the repair to the vehicle in danger according to the recommended information.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710224898.4A CN108257021B (en) | 2017-04-07 | 2017-04-07 | Vehicle insurance claim settlement method and device |
| PCT/CN2018/081771 WO2018184533A1 (en) | 2017-04-07 | 2018-04-03 | Method and apparatus for use in settling car insurance claims |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710224898.4A CN108257021B (en) | 2017-04-07 | 2017-04-07 | Vehicle insurance claim settlement method and device |
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| CN108257021A CN108257021A (en) | 2018-07-06 |
| CN108257021B true CN108257021B (en) | 2021-04-27 |
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| CN201710224898.4A Active CN108257021B (en) | 2017-04-07 | 2017-04-07 | Vehicle insurance claim settlement method and device |
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| CN108961083B (en) * | 2018-07-07 | 2021-08-03 | 北京精友世纪软件技术有限公司 | Independent claims settlement system of intelligent car insurance |
| CN109767346A (en) * | 2018-12-17 | 2019-05-17 | 中国平安财产保险股份有限公司 | CAR SERVICE processing method, device, computer equipment and storage medium |
| CN109919782A (en) * | 2019-01-24 | 2019-06-21 | 平安科技（深圳）有限公司 | It is associated with case recognition methods, electronic device and computer readable storage medium |
| CN110705361A (en) * | 2019-09-06 | 2020-01-17 | 中国平安财产保险股份有限公司 | Intelligent damage assessment method and device for vehicle, computer system and readable storage medium |
| CN111901434B (en) * | 2020-07-31 | 2022-09-02 | 平安国际融资租赁有限公司 | Remote equipment survey method and device, computer equipment and storage medium |
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| CN1303068A (en) * | 2001-02-27 | 2001-07-11 | 易保网络技术(上海)有限公司 | Claims settlement system over vehicle insurance network |
| CN101577653A (en) * | 2008-05-08 | 2009-11-11 | 韩军 | System and method using positioning technique to carry out vehicle insurance claim assistant authentification |
| CN102831502A (en) * | 2012-08-13 | 2012-12-19 | 福州华昆电子科技有限公司 | Automobile insurance management system and method |
| US20140180723A1 (en) * | 2012-12-21 | 2014-06-26 | The Travelers Indemnity Company | Systems and methods for surface segment data |
| US9984421B2 (en) * | 2014-09-05 | 2018-05-29 | Hartford Fire Insurance Company | System for claim data segmentation |
| CN105005853A (en) * | 2015-07-07 | 2015-10-28 | 广州市三信汽车信息咨询有限公司 | Automotive aftermarket service management system |
| CN105931007A (en) * | 2016-01-13 | 2016-09-07 | 平安科技（深圳）有限公司 | Damage assessment checking method, server, and terminal |
| CN106408147B (en) * | 2016-01-25 | 2020-12-04 | 平安科技（深圳）有限公司 | Dispatching method and system for vehicle insurance survey task |
| CN105847376A (en) * | 2016-04-11 | 2016-08-10 | 深圳市永兴元科技有限公司 | Vehicle insurance assessment system and method |
| CN106296413A (en) * | 2016-08-08 | 2017-01-04 | 卢松青 | Vehicle insurance mobile video surveys system |
| CN106570759A (en) * | 2016-11-09 | 2017-04-19 | 中国平安财产保险股份有限公司 | Intelligent risk scoring method and system for loss assessment of auto insurance case |
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| CN108257021A (en) | 2018-07-06 |
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