CN108280769A

CN108280769A - The data processing method of Claims Resolution business, device, electronic equipment, server

Info

Publication number: CN108280769A
Application number: CN201810103370.6A
Authority: CN
Inventors: 王子霄; 黄超; 崔志伟; 樊太飞
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2018-02-01
Filing date: 2018-02-01
Publication date: 2018-07-13
Also published as: WO2019149021A1; TW201935390A

Abstract

This specification embodiment discloses a kind of data processing method of Claims Resolution business, device, electronic equipment, server, the method may include：The risk data of vehicle insurance user is obtained, the risk data includes that there are the assessment data of risk of fraud by the characterization vehicle insurance user；Online Claims Resolution processing is judged whether to based on Claims Resolution related information, if so, by vehicle insurance case synchronizing information to terminal server, the Claims Resolution related information includes the risk data, belongs to the user account of the terminal server；Based on reception Claims Resolution information determine the vehicle insurance case setting loss as a result, and the setting loss result is sent to the terminal server, the Claims Resolution information includes at least one of following：Shoot the user certificate data of the accident vehicle image, record that obtain.

Description

The data processing method of Claims Resolution business, device, electronic equipment, server

Technical field

This specification example scheme belongs to the technical field of computer digital animation more particularly to a kind of Claims Resolution business Data processing method, device, electronic equipment, server.

Background technology

With the development of economy, the quantity of motor vehicles is continuously increased, and currently, vehicle insurance has become Chinese property insurance business In one of maximum insurance kind.After vehicle is in danger, need to enter Claims Resolution processing.Traditional Claims Resolution process flow is mainly that phone is logical After knowing insurance company, original place waits for insurance operating personnel's site inspection, damages, verifies prices to repair shop's setting loss, core again after having reconnoitred, so After carry out Claim payment.In general, whole flow process usually requires one week or more time, and timeliness is poor, user experience compared with Difference.

In some existing solutions, some insurance companies release terminal APP (Application, computer application journey Sequence is referred to as applied) carrying out vehicle insurance, Claims Resolution is handled online.When vehicle is in danger, user's ordinary practice is insured public using phone contact Department.Due to the use of the frequency and be in danger expection it is relatively low, at present insurance company release terminal APP user terminal pre- loading amount compared with It is few, need user after being in danger to open mobile phone progress field download in most cases, or by insurance company's guiding user installation, registration With use, operating process is complicated, and user experience is poor.And vehicle insurance settle a claim business processing in, and usually occur insurance fraud, " fraud data " such as vehicle damage scene are forged, information is distorted, traditional insurance company is usually only capable of identifying height by " blacklist " Risk subscribers lack credit related data, and leading to vehicle insurance Claims Resolution business, there are larger to be spoofed risk.

Therefore, in vehicle insurance Claims Resolution business there is an urgent need for one kind can further be promoted user experience, it is more convenient and safety can The online Claims Resolution solution leaned on.

Invention content

This specification embodiment is designed to provide a kind of data processing method of Claims Resolution business, device, electronic equipment, clothes Claims Resolution business can be attached to online Claims Resolution flow, customer acceptance larger in conjunction with installation by business device after subscriber phone is reported a case to the security authorities Higher Claims Resolution terminal applies are spent, provide miscellaneous function of more easily settling a claim to the user, user can be greatly improved in lineation Experience and treatment effeciency are paid for, and service distributing effectively and reasonably can also be carried out to the Claims Resolution business of insurance company, improves reason Pay for business processing efficiency.

A kind of data processing method for Claims Resolution business that this specification embodiment provides, device, electronic equipment, server are It is realized including following manner：

A kind of data processing method of Claims Resolution business, the method includes：

Insurance server obtains the risk data of vehicle insurance user, and the risk data includes characterizing the vehicle insurance user to exist The assessment data of risk of fraud；

The insurance server is based on Claims Resolution related information and judges whether to online Claims Resolution processing, if so, by vehicle insurance Case synchronizing information includes the risk data, belongs to the terminal service to terminal server, the Claims Resolution related information The user account of device；

The terminal server according to the vehicle insurance case information to Claims Resolution terminal sending out notice message；

The Claims Resolution terminal is based on the notification message and accesses self-service Claims Resolution processing；

The Claims Resolution terminal receives the Claims Resolution information determined in the self-service Claims Resolution processing, at least by the Claims Resolution information It is sent to the insurance server, the Claims Resolution information includes at least one of following：Shoot the accident vehicle image obtained, note The user certificate data of record；

The insurance server determines the setting loss of the vehicle insurance case as a result, and by the setting loss based on the Claims Resolution information As a result it is back to the Claims Resolution terminal；

The Claims Resolution terminal display setting loss result；

The Claims Resolution terminal obtains the Claims Resolution scheme information of selection, and feeds back to the insurance server.

The risk data of vehicle insurance user is obtained, the risk data includes that there are risk of fraud by the characterization vehicle insurance user Assess data；

Online Claims Resolution processing is judged whether to based on Claims Resolution related information, if so, vehicle insurance case synchronizing information is given Terminal server, the Claims Resolution related information include the risk data, belong to the user account of the terminal server；

The setting loss of the vehicle insurance case is determined as a result, and the setting loss result is sent to institute based on the Claims Resolution information of reception Terminal server is stated, the Claims Resolution information includes at least one of following：Shoot the user of the accident vehicle image, record that obtain Certificate data.

The vehicle insurance case information for the online Claims Resolution processing of progress that insurance server is sent is received, the online Claims Resolution handles base It is determined in the Claims Resolution related information including risk data, the user account for belonging to the terminal server；

According to the vehicle insurance case information to corresponding Claims Resolution terminal sending out notice message, the notification message includes characterization It settles a claim online the information accepted.

A kind of data processing method of Claims Resolution business, including：

The notification message that terminal server is sent is received, the notification message includes being characterized in lineation to pay for the letter accepted Breath；

The Claims Resolution information determined in self-service Claims Resolution processing is received, the Claims Resolution information, which is at least sent to the insurance, to be taken Business device, the Claims Resolution information includes at least one of following：Shoot the user certificate money of the accident vehicle image, record that obtain Material；

Receive the setting loss result that the insurance server is determined based on the Claims Resolution information；

The Claims Resolution scheme information of selection is obtained, and feeds back to the insurance server.

A kind of data processing equipment of Claims Resolution business, described device include：

Risk data acquisition module, the risk data for obtaining vehicle insurance user, the risk data include described in characterization There are the assessment data of risk of fraud by vehicle insurance user；

Service distributing module judges whether to online Claims Resolution processing, if so, by vehicle for being based on Claims Resolution related information To terminal server, the Claims Resolution related information includes the risk data, belongs to the terminal clothes dangerous case synchronizing information The user account of business device；

Setting loss processing module, setting loss for determining the vehicle insurance case based on the Claims Resolution information of reception is as a result, and by institute It states setting loss result and is sent to the terminal server, the Claims Resolution information includes at least one of following：Shoot the accident obtained The user certificate data of vehicle image, record.

Synchronizing information module, the vehicle insurance case information of the online Claims Resolution processing of progress for receiving insurance server transmission, The online Claims Resolution processing is based on the Claims Resolution related information for including risk data, the user account for belonging to the terminal server It determines；

Notification module is used for according to the vehicle insurance case information to corresponding Claims Resolution terminal sending out notice message, described logical Know that message includes being characterized in lineation to pay for the information accepted.

Notify receiving module, the notification message for receiving terminal server transmission, the notification message includes being characterized in Lineation pays for the information accepted；

Message processing module of settling a claim believes the Claims Resolution for receiving the Claims Resolution information determined in self-service Claims Resolution processing Breath is at least sent to the insurance server, and the Claims Resolution information includes at least one of following：Shoot the accident vehicle obtained The user certificate data of image, record；

Setting loss result receiving module, the setting loss knot determined based on the Claims Resolution information for receiving the insurance server Fruit；

Claims Resolution scheme determining module, the Claims Resolution scheme information for obtaining selection, and feed back to the insurance server.

A kind of server, including processor and the memory for storing processor-executable instruction, the processor It is realized when executing described instruction：

A kind of electronic equipment, including processor and the memory for storing processor-executable instruction, the processing Device is realized when executing described instruction：

A kind of online Claims Resolution system, the system may include client, first server, second server,

The client includes the device of the Claims Resolution terminal described in any one of this specification embodiment；

The first server includes the device of the terminal server described in any one of this specification embodiment；

The second server includes the device of the insurance server described in any one of this specification embodiment.

A kind of data processing method for Claims Resolution business that this specification embodiment provides, device, electronic equipment, server, The Claims Resolution terminal that Claims Resolution business can be attached to user side after subscriber phone is reported a case to the security authorities carries out Claims Resolution processing online.It can fill Point combine that installation is larger, the higher Claims Resolution terminal applies of customer acceptance degree, can provide to the user more easily settle a claim it is auxiliary It assist energy and provides more accurate service distributing decision-making foundation for insurance company, increases user's viscosity, use can be greatly improved Family is settled a claim experience and treatment effeciency online, and can also carry out business effectively and reasonably point to the Claims Resolution business of insurance company Stream improves Claims Resolution business processing efficiency.

Description of the drawings

In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only Some embodiments described in this specification, for those of ordinary skill in the art, in not making the creative labor property Under the premise of, other drawings may also be obtained based on these drawings.

Fig. 1 is a processing flow schematic diagram of this specification the method embodiment；

Fig. 2 is the schematic diagram that user selects certificate data from terminal applies in one implement scene of this specification；

Fig. 3 is the implement scene schematic diagram that this specification shows setting loss result；

Fig. 4 is the signal scene graph that service distributing is carried out in this specification example scheme；

Fig. 5 is a processing flow schematic diagram of this specification the method embodiment；

Fig. 6 is the flow diagram of another embodiment of the method for this specification offer；

Fig. 7 is the flow diagram of another embodiment of the method for this specification offer；

Fig. 8 is the flow diagram of another embodiment of the method for specification offer；

Fig. 9 is the flow diagram of another embodiment of the method for specification offer；

Figure 10 is the flow diagram of another embodiment of the method for specification offer；

Figure 11 is that the data processing equipment for the Claims Resolution business that can be used for insurance server side that this specification provides is real Apply the modular structure schematic diagram of example；

Figure 12 is that the data processing equipment for the Claims Resolution business that can be used for terminal server side that this specification provides is real Apply the modular structure schematic diagram of example；

Figure 13 is a kind of modular structure schematic diagram for data processing equipment for terminal server that this specification provides；

Figure 14 is that the data processing equipment of the Claims Resolution business for the terminal side that can be used for settling a claim that this specification provides is implemented The modular structure schematic diagram of example.

Specific implementation mode

In order to make those skilled in the art more fully understand the technical solution in this specification, below in conjunction with this explanation Attached drawing in book embodiment is clearly and completely described the technical solution in this specification embodiment, it is clear that described Embodiment be only a part of the embodiment in this specification, instead of all the embodiments.Base in this manual one A or multiple embodiments, the every other reality that those of ordinary skill in the art are obtained without creative efforts Example is applied, the range of this specification embodiment protection should be all belonged to.

In the processing of online Claims Resolution business, the third party's service that can also be provided in conjunction with terminal applies, such as certain applications carry The public platform or small routine of the third party's service of confession.But current this application is a kind of private domain traffic distribution mould of decentralization Formula, each user can be the disseminator and nominator of a content, need user actively when Claims Resolution online or guiding user adds Add, pay close attention to public platform or small routine.Such as user, according to insurance telephone prompts, addition XX insures public platform, then self-service to grope Find Claims Resolution entrance, shooting vehicle damage scene photograph, shooting certificate photograph etc..Public platform that this framework is applied in decentralization or The type of small routine is various, and user is relatively low to its authoritative degree of recognition.And the information on services of the public platform or small routine applied It measures larger, there is no unified service interface and Claims Resolution standard process (such as it is complicated to provide process for certificate), Claims Resolution for corresponding user Information on services is usually submerged in the various information of decentralization application, and user is difficult to know that Claims Resolution progress, user's perception are poor. Further, these public platforms or small routine be limited to decentralization application permission and framework limitation, many miscellaneous functions without Method realizes that further user experience promotion is restricted, such as preposition AR (Augmented Reality, enhancing in terminal applies Reality) and AI (Artificial Intelligence, artificial intelligence) algorithms damage image scene and certificate data to improve vehicle and adopt Collect precision.

In the data processing embodiment for one or more Claims Resolution business that this specification provides, respects after user is in danger and beat The operating habit of phone, after subscriber phone is reported a case to the security authorities, insurance company side operating personnel can be multiple according to risk data, case Miscellaneous situation etc. carries out Claims Resolution service distributing.Online Claims Resolution business processing flow in the industry at present, is all mainly that user is wanted to be in danger Mobile phone searching is opened afterwards to settle a claim special APP or public platform/small routine such as above-mentioned decentralization application, or is drawn in insurance company Lead addition, download etc..But user is typically seldom patiently to do this operation when being actually in danger, and causes user experience poor. This specification embodiment by making a phone call after reporting a case to the security authorities, by the user's risk of fraud data provided divide by insurance company side Stream, user meet on line Claims Resolution make can with direct-dial telephone in customer service inform that user opens a terminal some application, this is answered With can be that user's day liveness is higher, authoritative higher, the higher application of degree of recognition, such as payment application.Subsequent Claims Resolution behaviour Information and operation needed for work can be carried out, inquire and be completed in this pays application, and the tactile Danone power of message is more preferable, user It is sticky more preferable, and other functions of payment application are combined, more supporting capacities can also be provided for online Claims Resolution so that use Family operation is more convenient, Claims Resolution is more efficient, effectively promotes user experience.

This specification embodiment is illustrated by taking a specific application scenarios as an example below.The present embodiment applied field Jing Zhong may include the service of Claims Resolution terminal, corresponding with Claims Resolution terminal terminal server, insurance company side that user uses Device, terminal server can be to Claims Resolution terminal PUSH messages.The Claims Resolution terminal of user side can with smart mobile phone, tablet computer, Even intelligent wearable device, vehicle device interactive system, special Claims Resolution equipment etc..The Claims Resolution terminal can be installed answers accordingly With such as payment application or dedicated Claims Resolution application.The Claims Resolution terminal can have communication module, can be with long-range Claims Resolution The server (terminal server can be collectively referred to as herein) of terminal and/or insurance company carry out Claims Resolution processing server ( This is collectively referred to as insurance server) it is communicatively coupled, realize the data interaction with one or more servers.The terminal Server or insurance server can be individual server, or server cluster or distributed server, or also may be used To include the data storage device mating with it.

By taking the implement scene of the present embodiment as an example, after user is reported a case to the security authorities by phone, the operating personnel of insurance company is to use Family can record the information such as the telephone number, name, ID card No. of the user during linking up, and pass through these record information The risk data of the user can be obtained.The risk data may include that there are the assessment numbers of risk of fraud by characterization user According to this risk data can be provided by terminal server side.It can also be taken by other third parties in other embodiments Business mechanism provides or insurance server is voluntarily calculated.In one example, terminal server can store the fraud of user Point, the fraud point be may include user credit data of the terminal server based on statistics and be calculated using pre-defined algorithm It arrives.The terminal server can provide the calling interface of fraud divided data, and insurance server can be based on using periodically or in real time Family ID card information obtains corresponding fraud point.Insurance server can be based on the fraud point auxiliary and carry out risk assessment, judge It settles a claim on the whether applicable line of user or operating personnel is settled a claim based on determining in insurance server after the fraud point auxiliary judgment Business processing mode, Claims Resolution, which is gone back under line, e.g. on tie-in line is handled, and is realized the Claims Resolution service distributing of different risk subscribers, is reduced Claims Resolution risk.It can be to settle a claim on tie-in line if by risk assessment, user can open the payment application of mobile phone terminal Online Claims Resolution processing is carried out, special download is may not need and applies or add public platform.The payment application can have center Change message tactile Danone power, can some application environments or processing node on effective guarantee user will not be because of other non-Claims Resolutions Message, operation etc. lead to settle a claim flow, message interrupts.The main distinction of centralization and decentralization described in this specification exists It is different in traffic distribution mechanism, enforceable message or flow control capability typically are carried out with the presence or absence of central authority, such as Wechat is a kind of distributed system of more typical decentralization from the perspective of server.

In general, payment application usually requires that real-name authentication because being related to assets, safety and reliability is higher, and user recognizes It can spend higher.The payment application can be prerecorded with the certificate information of user, such as the identity card, driver's license, row of user Sail card etc..These certificate informations may include that user registers the payment using account or using payment application function before being in danger When fill in information material, shooting certificate image etc..In one example, payment application can have certificate folder tool, be used for The certificate information of storage record user.When user carries out self-service Claims Resolution processing using the payment application of Claims Resolution terminal, it can combine Certificate information in terminal applies quickly determines Claims Resolution data, is such as supplied to the card of insurance company's identity card, driver's license, driving license Part shines, and can further decrease the offer cost of user certificate data.

Specifically, Fig. 1 is a kind of flow of the data processing method embodiment of Claims Resolution business that this specification provides Schematic diagram.Although present description provides such as following embodiments or method operating procedure shown in the drawings or apparatus structure, base It is less after it may include either routinely more in the method or device without performing creative labour or part merging Operating procedure or modular unit.In the step of there is no necessary causalities in logicality or structure, the execution of these steps Sequence or the modular structure of device are not limited to this specification embodiment or execution shown in the drawings sequence or modular structure.Described Device in practice, server or the end product of method or modular structure are in application, can be according to embodiment or attached drawing Shown in method or the execution of modular structure carry out sequence are either parallel executes (such as the ring of parallel processor or multiple threads Border, the even implementation environment including distributed treatment, server cluster).Certainly, the description of following embodiments is not to being based on this Other technical solutions extended to of specification are construed as limiting.Such as in other implement scenes, the application for terminal of settling a claim removes Payment application is outer, and other kinds of application, such as social networking application, shopping application can also be applied.A kind of specific implementation is for example Shown in Fig. 1, in a kind of embodiment, the method may include：

S00：Insurance server obtains the risk data of vehicle insurance user, and the risk data includes characterizing the vehicle insurance user There are the assessment data of risk of fraud.

When vehicle is in danger, vehicle insurance user would generally actively contact insurance company operating personnel.Operating personnel uses with vehicle insurance It family can be based on the risk data of the record acquisition of information vehicle insurance user of vehicle insurance case, such as from terminal server during linking up The interface of offer calls the fraud point of vehicle insurance user.

S02：The insurance server is based on Claims Resolution related information and judges whether to online Claims Resolution processing, if so, will Vehicle insurance case synchronizing information includes the risk data, belongs to the terminal to terminal server, the Claims Resolution related information The user account of server.

Which vehicle insurance user is the risk data can be suitble to settle a claim on line with auxiliary judgment.In actually Claims Resolution operation processing In, scene description can be damaged based on the vehicle of vehicle insurance user and judges accident pattern or case complexity, such as whether someone is injured, is Single vehicle accident or multi vehicle accident, vehicle insurance user's field demand etc..If it is slight single vehicle accident, this can be further checked The risk data of vehicle insurance user, the fraud point that such as above-mentioned terminal server provides.If it is higher to cheat score value, the vehicle can be indicated Dangerous user credit is poor or there are more serious promise breakings, then can be to settle a claim under tie-in line, by insuring personnel's site inspection processing.If Fraud point meets threshold requirement, then can access online Claims Resolution processing.Whether online Claims Resolution processing is accessed, it can be by insurance service Device related information of settling a claim based on one or more is determined.The Claims Resolution related information may include the risk data, It can also include the live description information of vehicle insurance user.

The specific information content of vehicle insurance case information for being synchronized to terminal server can be according to physical end server Business demand is determined.Insurance server can settle a claim information related to user, vehicle insurance, and relevant information (such as believe by declaration form Breath), information of vehicles, history information etc. of being in danger be synchronized to terminal server.In other implement scenes, insurance server can also The necessary information that terminal server is only carried out to Claims Resolution business relevant treatment is synchronized to the terminal server.

In another application scenarios of this specification the method, the Claims Resolution related information can also include belonging to The user account information of the terminal server.In the present embodiment application scenarios, it on the one hand can pass through the wind of similar fraud point Dangerous data identify vehicle insurance consumer's risk, on the other hand identify whether vehicle insurance user possesses the user's account for application of settling a claim in Claims Resolution terminal Number.The user account obtains when usually can be by being registered in the application for terminal of settling a claim, and the account information of registration is logical Often storage is recorded in terminal server, so that user logs in different terminals and carries out proof of identity, therefore, in the present embodiment The user account for logging in Claims Resolution terminal applies can be considered as to the user account for belonging to the terminal server, such as payment application Login account.In this way, if identification vehicle insurance user possesses user account, the risk number of vehicle insurance user can be based further on According to coming whether auxiliary judgment carries out online Claims Resolution processing.On a kind of realization method, the risk data can also be with the use Family account binding or association, in this way, in terminal server side, it can fast velocity modulation when identifying that vehicle insurance user possesses user account It takes and obtains the corresponding fraud point of the user account.It can first identify whether to possess user account by above-mentioned, then pass through wind again Dangerous data carry out the mode of service distributing, can quickly screen the user to settle a claim on not applicable line, and quick aid decision is into line Lower Claims Resolution processing may not need user and be in danger the operation bidirectionals such as live register account number, can meet some users and rapidly enter reason The business demand of processing is paid for, user experience is improved.Meanwhile in most cases, scene, the rare patient progress terminal of user are damaged in vehicle Using account registration etc., therefore, in the scheme of the present embodiment, if for example, identification user does not pay using account, quickly point It is flow under line business processing of settling a claim, promotes user's Claims Resolution service-aware.

Therefore, in another embodiment of the method that this specification provides, can also include：

S020：If the insurance server is associated with the user account failure, processing operation of settling a claim under tie-in line.

The association user account may include unsuccessfully failing to be associated with by information such as telephone number or identity cards The situation fail, closed to the user account or user account for being registered to the terminal server etc..

S04：The terminal server is according to the vehicle insurance case information to the Claims Resolution terminal sending out notice message.

After terminal server receives vehicle insurance case information, directly it can inform that user settles a claim online by APP message Through accepting.Terminal server PUSH (push) can be passed through in the notification message to Claims Resolution terminal, in the APP of Claims Resolution terminal The interior notification message that transmission is shown to user.When APP is in system background, can also realize before being sent to notification message Platform is checked for user.

In some embodiments of the method that this specification provides, the terminal server can be based on the vehicle insurance case Either the risk data or other kinds of credit data etc. configure different Claims Resolution strategies to part information, then by phase The Claims Resolution strategy answered is pushed to Claims Resolution terminal.Such as in an implementation example, the terminal server can be according to the vehicle of record The corresponding credit record in the terminal server of main vehicle damage description information and user generate " self-service compensation of taking pictures ", " scene Reconnoitre compensation ", three kinds of " credit compensation " Claims Resolution strategy, " self-service compensations of taking pictures " can be for slight single vehicle accident, Yong Huke To damage image scene by terminal taking vehicle of settling a claim, by settling a claim online after insurance company's setting loss, core damage；" the site inspection Compensate " it can be directed to determining complicated case, need to insure under operating personnel's line site inspection and then whole by the Claims Resolution End continues to settle a claim online." the credit compensation " may include good credit record or assessment based on user, terminal clothes Business device compensates the Claims Resolution mode damaged to user in advance, can specifically determine that credit compensates the amount of money according to setting loss result, or Flat Amount etc. is compensated according to credit record." credit compensation " can be based on user credit, and reducing Claims Resolution proves (such as photo), can It quickly compensates or repairs to carry out.In this way, this embodiment scheme, the terminal server can integrate actual vehicle damage, use Family credit formulates different personalized Claims Resolution modes from multiple dimensional informations such as insurance company depth cooperation, user demands, meets Difference Claims Resolution scene demand, promotes user experience and the experience of the depth cooperation of third party and insurance company.Therefore, this specification carries In another embodiment of the method for confession, can also include：

S040：The terminal server is according at least one of vehicle insurance case information, risk data, user credit data The Claims Resolution strategy of the vehicle insurance user is generated, and the Claims Resolution strategy is sent to the Claims Resolution terminal.

The terminal server can determine the Claims Resolution strategy suitable for vehicle insurance user, such as " self-service compensation of taking pictures ", then can be with The Claims Resolution strategy of " self-service compensation of taking pictures " is sent to the Claims Resolution terminal device of user.Claims Resolution terminal can parse the Claims Resolution plan Slightly, generates operation interface of settling a claim accordingly in terminal side, and in user into fashionable displaying.Different Claims Resolution strategies can correspond to May include that the interface information of position is reconnoitred in displaying in different Claims Resolution operation interfaces, such as the online Claims Resolution reconnoitred under line. It can be according to the corresponding prompt message of Claims Resolution strategy generating, such as " you are suitable for ' self-service compensation of taking pictures ' ".

S06：The Claims Resolution terminal is based on the notification message and accesses self-service Claims Resolution processing.

Among the above, terminal server can inform that user's Claims Resolution has been accepted to Claims Resolution terminal sending out notice message.Described Notification message can be provided with link, user can by click message or click in message to be linked into Claims Resolution terminal corresponding Claims Resolution operation interface, online self-service Claims Resolution can be used to handle after mandate.The access self-service Claims Resolution processing can be with It is included in the behavior of the self-service Claims Resolution business function after the Claims Resolution terminal response user triggering, such as displaying Claims Resolution central page Face, the user's operation page, authorization page etc..

It can also include other message contents in the notification message, such as promote the processing after user's carry out accident, It such as places tripod, be sure not to stop in track, may include the Claims Resolution operation etc. that prompt needs user to carry out.

It should be noted that user described in above-described embodiment Claims Resolution terminal by trigger the notification message enter it is self-service Claims Resolution processing is only a kind of embodiment of this specification Claims Resolution method for processing business.It will be appreciated by those skilled in the art that It is that user directly can also open application in Claims Resolution terminal, be handled into self-service Claims Resolution, this specification is not limited to pass through institute State the embodiment that notification message enters self-service Claims Resolution processing.In application scenes, Claims Resolution terminal receives the notice and disappears After breath, user is known that online Claims Resolution has been accepted, and can jump to respective application interface by clicking notification message, also may be used Directly to enter application interface after Claims Resolution terminal finds application.

Further, in another embodiment that this specification provides, the terminal server can be with the side of short message Formula pushes the notification message.For example, terminal server can send short message to user mobile phone, user can be linked by short message Into the five application page of Claims Resolution terminal.Since in one or more embodiments of this specification, Claims Resolution terminal carries out Claims Resolution processing Application the encryption page in public domain may be used, the link that may be implemented in short message is opaque, can effectively prevent notifying messages Malicious user guiding.Therefore, the public platform or small routine etc. of the applications of some current decentralizations can effectively be solved Private domain encrypts the page, the problem of Claims Resolution terminal applies can not be jumped directly to by short message, can be to provide more notice sides Formula, user can also more easily enter application.Therefore, in another embodiment of the method,

S05：It is described to Claims Resolution terminal sending out notice message include being disappeared to the Claims Resolution terminal sending out notice with short message mode Breath, the short message includes entering the link information for operation pages of settling a claim in Claims Resolution terminal, correspondingly, the Claims Resolution terminal is based on It triggers the link in the short message and accesses self-service Claims Resolution processing.

The short message may include the information that mobile communication carrier provides, can be by under operator base station It is dealt into designated mobile phone terminal.

S08：The Claims Resolution terminal receives the Claims Resolution information determined in the self-service Claims Resolution processing, by the Claims Resolution information It is at least sent to the insurance server, the Claims Resolution information includes at least one of following：Shoot the accident vehicle figure obtained The user certificate data of picture, record.

Vehicle insurance user enters the self-service Claims Resolution interface of terminal applies, can carry out the collection operation of Claims Resolution data, obtain reason Pay for information.Information of settling a claim shown in the present embodiment at least may include the user of the accident vehicle image of shooting acquisition, record One kind in certificate data.Vehicle insurance user can use Claims Resolution terminal taking accident to show licence piece or video, for determining for vehicle Damage processing.In the present embodiment, it is recorded to be included in Claims Resolution terminal before lineation is paid for for the user certificate data of the record Or the certificate data of the user of storage, such as identity card picture, driver's license image.If so, then user can be directly from application Select and confirm certificate data, if the certificate data of selection meets the requirements, such as clarity or term of validity, then can directly it make User certificate material upload for vehicle insurance Claims Resolution uses.In this way, obtain settle a claim information when, use that can be to be recorded in connected applications Family certificate data further decreases the offer cost of user certificate data, may not need and searches certificate, shooting, amendment (possibility again May require that certificate photograph has certain code requirement) etc., realize quick, acquisition of information of easily settling a claim.Such as shown in Fig. 2, Fig. 2 It is the schematic diagram that user directly selects certificate data from terminal applies in one implement scene of this specification.

Certainly, if do not had in, can from Claims Resolution terminal other storage application in choose, such as " photo " or " difference ", or existing vehicle directly shoot certificate data.

It can specifically can effectively improve common vehicle insurance user in conjunction with AI auxiliary photo-taking function and shoot accident vehicle figure The picture quality of picture meets insurance company's car damage identification processing requirement.

Specifically, in another embodiment of the method that this specification provides, the accident vehicle of the shooting acquisition Image may include：

S080：At least combine a kind of accident carrying out shooting acquisition in augmented reality AR algorithms and artificial intelligence AI algorithms Vehicle image.

The user certificate data may include being stored in the certificate data of the Claims Resolution terminal, user's payment among the above The identity card positive and negative photo stored using interior local terminal.In another embodiment, these user certificate data can be It is stored in the terminal server, user can be by terminal downloads of settling a claim to locally.In general, to ensure user information peace Entirely, subscriber identity information may be used, certificate information is stored in the mode of terminal server, Claims Resolution terminal side can show card The brief information of part data is selected by user or is confirmed user certificate data.

In the present embodiment application scenarios, if user uses the payment application of Claims Resolution terminal, the silver of common meeting user bound Row card, to carry out fund dealing.User experience can be further increased in another embodiment of this specification based on this, that is, The user certificate data can also include the bank card information of binding, and the corresponding account of the bank card information can conduct The collecting account of Claim payment.User can quickly the collecting account of amount for which loss settled be collected in selection in payment is applied, and is supplied to Insurance company.

It, can be by these Claims Resolution information after Claims Resolution terminal acquisition accident vehicle image and user determine user certificate data It is sent to insurance server and carries out setting loss processing.It is of course also possible to its all or part is sent to the terminal server, by Server carries out storage or other processing.

S10：The insurance server determines the setting loss of the vehicle insurance case as a result, and will be described based on the Claims Resolution information Setting loss result is back to the Claims Resolution terminal.

The insurance server can carry out setting loss processing according to the accident vehicle image in the Claims Resolution information, be determined Damage result.The user certificate data can determine user identity, policy information, divisions of responsibility etc. with user.The setting loss of generation As a result the Claims Resolution terminal can be back to.It is described here that be back to the Claims Resolution terminal may include insurance server by institute It states setting loss result and is sent to the terminal server, then the setting loss result is pushed to the Claims Resolution eventually by terminal server again End.It is of course also possible to which setting loss result to be directly sent to the mode of the Claims Resolution terminal including insurance server.The setting loss Result may include the setting loss amount of money, can also include that other setting loss handle information.

S12：The Claims Resolution terminal display setting loss result.

It, can be by disappearing after Claims Resolution terminal receives the setting loss result that the insurance server or terminal server are sent Breath notifies user's Claims Resolution progress.User can be by checking that Claims Resolution progress learns setting loss result information.

S14：The Claims Resolution terminal obtains the Claims Resolution scheme information of selection, and feeds back to the insurance server.

User can select Claims Resolution scheme based on the setting loss result.The Claims Resolution scheme may include insurance company The Claims Resolution mode that the Claims Resolution mode of formulation or terminal server side provide guides user alternatively, providing the forms such as discount coupon Claims Resolution or it is self-service repair, or even abandon this Claims Resolution.Specific Claims Resolution scheme can be corresponding according to formulations such as Claims Resolution business demands Migration efficiency.

In another embodiment, the accident vehicle image can be sent to the terminal service by the Claims Resolution terminal Device after the terminal server obtains accident vehicle image, can be based on the accident vehicle image, be carried out using pre-defined algorithm Vehicle part identifies at last, obtains vehicle damage result.The vehicle damage result may include defective component, degree of injury Etc. information.The vehicle damage result that terminal server is calculated can be sent to the insurance server, provide setting loss reference, Auxiliary insurance company side quickly provides setting loss as a result, improving setting loss treatment effeciency and accuracy, improves insurance side operation people Member's setting loss operation processing experience.Specifically, in another embodiment of this specification the method, can also include：

S082：The accident vehicle image is sent to the terminal server by the Claims Resolution terminal；

S084：Vehicle damage auxiliary information is calculated based on the accident vehicle image in the terminal server, by institute It states vehicle damage auxiliary information and is sent to the insurance server.

Certainly, the insurance server can use the vehicle damage auxiliary information to calculate setting loss as a result, can also be only It is not included in the calculating of insurance server setting loss result as reference.

In another embodiment, the setting loss result can be sent to the terminal server by the insurance server, After the terminal server can receive the setting loss result, it can be in danger in conjunction with vehicle insurance user declaration form, history, information of vehicles Deng generating the prediction premium in next car insurance period, may include the coming year premium being in danger, the coming year premium not being in danger etc. Information.The prediction premium is supplied to user as reference, and user can be allowed more intuitively to carry out whether decision continues to settle a claim Or Claims Resolution mode, it can be supplied to the more practical informations of user in this way, improve user experience.Specifically, what this specification provided In another embodiment of the method, can also include：

S102：The setting loss result is sent to the terminal server by the insurance server；

S104：The terminal server receives the premium generated when insuring the period next time after the setting loss result and predicts Information, and the premium predictive information is sent to the Claims Resolution terminal, the premium predictive information includes the estimated guarantor being in danger Expense and the estimated premium not being in danger；

S106：Premium predictive information described in the Claims Resolution terminal display.

The Claims Resolution terminal can show the setting loss result and the premium predictive information in an interface, in order to User more intuitively checks information and is compared into row information.Such as shown in Fig. 3, Fig. 3 is that this specification shows setting loss result One implement scene schematic diagram.

Certainly, further, the insurance server can also further be generated according to the Claims Resolution mode that user selects Discount coupon, repair cards certificate, the service platform that these card certificates can dock terminal server such as certificate be supplied to user.User, which gets, to be made It can be checked and write off etc. after.In this way, in conjunction with terminal server and insurance server, insurance company side can be supplied to self-service Space is runed, traditional single Claims Resolution flow is converted to the multiparty service interaction that can be runed, strengthens Claims Resolution terminal, insurance clothes The Interactive Experience of business and user increases user's viscosity.It, will after subscriber phone is reported a case to the security authorities in this specification one or more embodiment The Claims Resolution terminal that Claims Resolution business is attached to user side carries out Claims Resolution processing online.It can fully combine that installation is larger, user The higher Claims Resolution terminal applies of degree of recognition provide the collection of the Claims Resolution information more convenient and quicker such as certificate data, account data.This theory Bright book example scheme can provide more easily Claims Resolution miscellaneous function to the user and be provided more accurately for insurance company Service distributing decision-making foundation, increase user viscosity, can greatly improve user settle a claim online experience and treatment effeciency, and to guarantor The Claims Resolution business of dangerous company can also carry out service distributing effectively and reasonably, improve Claims Resolution business processing efficiency, as shown in figure 4, Fig. 4 is the signal scene graph that service distributing is carried out in this specification example scheme.

Above-described embodiment is described from the in many ways interactive angle of user's Claims Resolution terminal, terminal server, insurance server The embodiment of online Claims Resolution operational approach.Based on the above-mentioned embodiment description interacted in many ways, this specification can also provide one kind It can be used for the Claims Resolution business data processing method embodiment of insurance server side.Specifically, a kind of implementation such as Fig. 5 institutes Show, may include：

S20：The risk data of vehicle insurance user is obtained, the risk data includes characterizing the vehicle insurance user to have fraud wind The assessment data of danger；

S22：Online Claims Resolution processing is judged whether to based on Claims Resolution related information, if so, vehicle insurance case information is same It walks to terminal server, the Claims Resolution related information includes the risk data, belongs to user's account of the terminal server Number；

S24：The setting loss of the vehicle insurance case is determined as a result, and sending the setting loss result based on the Claims Resolution information of reception To the terminal server, the Claims Resolution information includes at least one of following：Shoot obtain accident vehicle image, record User certificate data.

In another embodiment, the method can also include：

S26：If the insurance server is associated with the user account failure, processing operation of settling a claim under tie-in line.

In the scheme of the present embodiment, if for example, identification user do not pay using account, quickly branch under line and settle a claim Business processing promotes user's Claims Resolution service-aware.

In another embodiment, the method can also include：

S28：The vehicle damage auxiliary information that the terminal server is sent is received, the vehicle damage auxiliary information is based on The accident vehicle image that the Claims Resolution terminal obtains is calculated.

Based on the above-mentioned embodiment description interacted in many ways, this specification can also provide one kind and can be used for terminal server The Claims Resolution business data processing method embodiment of side.Specifically, a kind of embodiment is as shown in fig. 6, may include：

S30：Receive the vehicle insurance case information for the online Claims Resolution processing of progress that insurance server is sent, the online loss department It manages and is determined based on the Claims Resolution related information including risk data, the user account for belonging to the terminal server；

S32：According to the vehicle insurance case information to corresponding Claims Resolution terminal sending out notice message, the notification message includes It is characterized in lineation and pays for the information accepted.

As shown in fig. 7, in another embodiment, the method can also include：

S34：The vehicle insurance is generated according at least one of vehicle insurance case information, risk data, user credit data to use The Claims Resolution strategy at family, and the Claims Resolution strategy is sent to the Claims Resolution terminal.

In terminal server side, different Claims Resolutions strategy can correspond to different configuration official documents and correspondences.Different configuration official documents and correspondences Corresponding Claims Resolution operation circle can be generated in Claims Resolution terminal.A variety of Claims Resolution business can be flexibly used in this way, and personalized clothes are provided Business.

In another embodiment, the terminal server may include to corresponding Claims Resolution terminal sending out notice message：

S320：With short message mode to the Claims Resolution terminal sending out notice message, the short message includes into Claims Resolution terminal The link information of middle Claims Resolution operation pages.

Correspondingly, the Claims Resolution terminal can access self-service Claims Resolution processing based on the link triggered in the short message, effectively The private domain of the public platform or small routine etc. that solve the application of some current decentralizations encrypts the page, can not be direct by short message The problem of jumping to Claims Resolution terminal applies, can be to provide more advice methods, and user, which can also more easily enter, to be answered With.

In another embodiment, as shown in figure 8, the method can also include：

S36：Receive the accident vehicle image that the Claims Resolution terminal is sent, the vehicle calculated based on the accident vehicle image Damage auxiliary information.Further,

S38：The vehicle damage auxiliary information is sent to the insurance server.

Terminal server can provide setting loss reference, and auxiliary insurance company side quickly provides setting loss as a result, improving setting loss Treatment effeciency and accuracy.

In another embodiment, the method can also include：

S310：Premium predictive information when insuring the period next time is generated, and the premium predictive information is sent to institute Claims Resolution terminal is stated, the premium predictive information includes the estimated premium being in danger and the estimated premium not being in danger.

The prediction premium information can be generated after the setting loss result for receiving the insurance server, specification is not It excludes that the premium prediction letter can also be generated in advance in other embodiments previously according to information of vehicles, the historical record that is in danger etc. Breath or partial information content therein.

Based on the above-mentioned embodiment description interacted in many ways, this specification can also provide one kind and can be used for terminal one of settling a claim The Claims Resolution business data processing method embodiment of side.Specifically, a kind of embodiment is as shown in figure 9, may include：

S40：The notification message that terminal server is sent is received, the notification message includes being characterized in lineation compensation to have accepted Information；

S42：The Claims Resolution information determined in self-service Claims Resolution processing is received, the Claims Resolution information is at least sent to the guarantor Dangerous server, the Claims Resolution information includes at least one of following：Shoot the user certificate of the accident vehicle image, record that obtain Data；

S44：Receive the setting loss result that the insurance server is determined based on the Claims Resolution information；

S46：The Claims Resolution scheme information of selection is obtained, and feeds back to the insurance server.

In another embodiment, the method can also include：

S48：The Claims Resolution strategy that terminal server is sent is received, is settled a claim accordingly based on the Claims Resolution strategy generating and operates boundary Face.

In another embodiment, S410：The notification message is short message, and the short message includes entering in Claims Resolution terminal to manage Pay for the link information of operation pages.

The Claims Resolution terminal can access self-service Claims Resolution processing based on the link triggered in the short message, effectively solve current Some decentralizations application public platform or small routine etc. private domain encrypt the page, can not jump directly to manage by short message The problem of paying for terminal applies, can be to provide more advice methods, and user can also more easily enter application.

In another embodiment, the method can also include：

S414：Obtain that the terminal server sends insure next time the period when premium predictive information, the premium Predictive information includes the estimated premium being in danger and the estimated premium not being in danger.

Above-described embodiment comprehensively utilizes fraud point (a kind of risk data), the user certificate that server of the terminal in provides Identity information etc., realize customer acceptance degree is higher, the stronger setting loss result displaying of reliability, premium prediction, selection Claims Resolution mode, The Claims Resolution business functions such as the quick and simple clearing of fund appear, and can effectively improve user's Claims Resolution processing experience, increase user's viscosity.

Each embodiment of the above method is described in a progressive manner in this specification, identical between each embodiment Just to refer each other for similar part, and each embodiment focuses on the differences from other embodiments.Correlation Place illustrates referring to the part of above-mentioned multi-party interactive embodiment.

The embodiment of the method that the embodiment of the present application is provided can be in mobile terminal, terminal, server or class As execute in arithmetic unit.For operating in the equipment in Claims Resolution terminal, Figure 10 is a kind of identification of the embodiment of the present invention The hardware block diagram of the server of damaged vehicle component.As shown in Figure 10, Claims Resolution terminal 10 may include one or more (figures In only show one) (processor 102 can include but is not limited to Micro-processor MCV or programmable logic device to processor 102 The processing unit of FPGA etc.), memory 104 for storing data and the transmission module 106 for communication function.Ability Domain those of ordinary skill is appreciated that structure shown in Figure 11 is only to illustrate, and is not caused to the structure of above-mentioned electronic device It limits.For example, Claims Resolution terminal 10 may also include more than shown in Figure 10 or less component, such as can also include other Processing hardware, such as GPU (Graphics Processing Unit, image processor), or with different from shown in Figure 10 Configuration.

Memory 104 can be used for storing the software program and module of application software, such as the search in the embodiment of the present invention Corresponding program instruction/the module of method, processor 102 are stored in software program and module in memory 104 by operation, To perform various functions application and data processing, that is, realize the processing method of above-mentioned navigation interactive interface content displaying.It deposits Reservoir 104 may include high speed random access memory, may also include nonvolatile memory, as one or more magnetic storage fills It sets, flash memory or other non-volatile solid state memories.In some instances, memory 104 can further comprise relative to place The remotely located memory of device 102 is managed, these remote memories can pass through network connection to terminal 10.Above-mentioned network Example include but not limited to internet, intranet, LAN, mobile radio communication and combinations thereof.

Transmission module 106 is used to receive via a network or transmission data.Above-mentioned network specific example may include The wireless network that the communication providers of terminal 10 provide.In an example, transmission module 106 includes that a network is suitable Orchestration (Network Interface Controller, NIC), can be connected with other network equipments by base station so as to Internet is communicated.In an example, transmission module 106 can be radio frequency (Radio Frequency, RF) module, For wirelessly being communicated with internet.

The embodiment of the method that the embodiment of the present application is provided operates in terminal server, the example reference on insurance server The above-mentioned example description for operating in Claims Resolution terminal.

Based on the method that image object described above positions, this specification also provides a kind of data processing of Claims Resolution business Device.The device may include the system (including distributed system) for having used this specification embodiment the method, soft Part (application), module, component, server, client etc. simultaneously combine the necessary apparatus for implementing hardware.Based on same innovation Conceive, the processing unit in a kind of embodiment that this specification provides is as described in the following examples.Since device solves the problems, such as Implementation it is similar to method, therefore the implementation of the specific processing unit of this specification embodiment may refer to preceding method Implement, overlaps will not be repeated.Although device described in following embodiment is preferably realized with software, hardware, Or the realization of the combination of software and hardware is also that may and be contemplated.Specifically, as shown in figure 11, Figure 11 is this specification The modular structure schematic diagram of the data processing equipment embodiment of the Claims Resolution business that can be used for insurance server side provided, tool Body may include：

Risk data acquisition module 201 can be used for obtaining the risk data of vehicle insurance user, and the risk data includes table Levying the vehicle insurance user, there are the assessment data of risk of fraud；

Service distributing module 202 can be used for judging whether to online Claims Resolution processing based on Claims Resolution related information, if It is that, then by vehicle insurance case synchronizing information to terminal server, the Claims Resolution related information includes the risk data, belongs to institute State the user account of terminal server；

Setting loss processing module 203, can be used for determining the setting loss of the vehicle insurance case based on the Claims Resolution information of reception as a result, And the setting loss result is sent to the terminal server, the Claims Resolution information includes at least one of following：Shooting obtains Accident vehicle image, record user certificate data.

In another embodiment of described device, if the service distributing module 102 can be also used for being associated with the user Account fails, then processing operation of settling a claim under tie-in line.

In another embodiment of described device, can also include：

New acquisition module 204 is assisted, can be used for receiving the vehicle damage auxiliary information that the terminal server is sent, institute The accident vehicle image that vehicle damage auxiliary information is obtained based on Claims Resolution terminal is stated to be calculated.

Figure 12 is that the data processing equipment for the Claims Resolution business that can be used for terminal server side that this specification provides is real The modular structure schematic diagram for applying example may include specifically：

Synchronizing information module 301 can be used for receiving the vehicle insurance case for the online Claims Resolution processing of progress that insurance server is sent Part information, the online Claims Resolution processing is based on the Claims Resolution for including risk data, the user account for belonging to the terminal server Related information determines；

Notification module 302 can be used for according to the vehicle insurance case information to corresponding Claims Resolution terminal sending out notice message, The notification message includes being characterized in lineation to pay for the information accepted.

In another embodiment of described device, can also include：

Tactful configuration module 203, can be used for according in vehicle insurance case information, risk data, user credit data extremely The Claims Resolution strategy of few generation vehicle insurance user a kind of, and the Claims Resolution strategy is sent to the Claims Resolution terminal.

In another embodiment of described device, the notification module 202 is pushed with short message mode to the Claims Resolution terminal Notification message, the short message include entering the link information for operation pages of settling a claim in Claims Resolution terminal.

In another embodiment of described device, can also include：

Supplementary module 304 is damaged, can be used for receiving the accident vehicle image that Claims Resolution terminal is sent, be based on the accident vehicle The vehicle damage auxiliary information that image calculates, and the vehicle damage auxiliary information is sent to the insurance server.

In another embodiment of described device, can also include：

Premium prediction module 305 can be used for generating premium predictive information when insuring the period next time, and by the guarantor Expense predictive information is sent to the Claims Resolution terminal, and the premium predictive information includes the estimated premium being in danger and is not in danger estimated Premium.

Figure 13 is a kind of modular structure schematic diagram for data processing equipment for terminal server that this specification provides.

Figure 14 is that the data processing equipment of the Claims Resolution business for the terminal side that can be used for settling a claim that this specification provides is implemented Example modular structure schematic diagram, may include specifically：

It notifies receiving module 401, can be used for receiving the notification message that terminal server is sent, the notification message includes It is characterized in lineation and pays for the information accepted；

Claims Resolution message processing module 402 can be used for receiving the Claims Resolution information determined in self-service Claims Resolution processing, will be described Claims Resolution information is at least sent to the insurance server, and the Claims Resolution information includes at least one of following：Shoot the thing obtained Therefore the user certificate data of vehicle image, record；

Setting loss result receiving module 403 can be used for receiving what the insurance server was determined based on the Claims Resolution information Setting loss result；

Claims Resolution scheme determining module 404, can be used for obtaining the Claims Resolution scheme information of selection, and feed back to the insurance clothes Business device.

In another embodiment of described device, can also include：

Interface generation module 405 can be used for receiving the Claims Resolution strategy that terminal server is sent, based on Claims Resolution strategy Generate corresponding Claims Resolution operation interface.

In another embodiment of described device, can also include：

Short message AM access module 406 can be used for based on the link information for entering Claims Resolution terminal Claims Resolution operation pages in short message Access Claims Resolution operation interface.

In another embodiment of described device, the accident vehicle image that the shooting obtains may include：

At least combine a kind of accident vehicle carrying out shooting acquisition in augmented reality AR algorithms and artificial intelligence AI algorithms Image.

In another embodiment of described device, can also include：

Setting loss display module 407, can be used for obtaining the terminal server sends insure next time the period when guarantor Take predictive information, the premium predictive information includes the estimated premium being in danger and the estimated premium not being in danger.

The data processing method and device for the Claims Resolution business that this specification embodiment provides can be in a computer by handling Device executes corresponding program instruction to realize, such as using the c++ language of windows operating systems in the realization of the ends PC or other examples Such as Linux, android, the necessary hardware realization of the corresponding application design language set of iOS system, or it is based on quantum meter Processing logic realization of calculation machine etc..The function of multiple modules of described device can also be integrated in a module and realize, example As setting loss result receiving module 403 and setting loss display module 406 can settle a claim terminal the same display unit realize, Ke Yifen Show not or simultaneously setting loss result and premium predictive information.Specifically, a kind of insurance server that this specification provides is realized In the embodiment for stating method, the server may include processor and the storage for storing processor-executable instruction Device, the processor are realized when executing described instruction：

A kind of terminal server that this specification provides realizes in the embodiment of the above method that the server may include Processor and memory for storing processor-executable instruction, the processor are realized when executing described instruction：

In the electronic equipment embodiment for realizing the above method in a kind of Claims Resolution terminal that this specification provides, the electronics is set Standby may include processor and the memory for storing processor-executable instruction, when the processor executes described instruction It realizes：

Above-mentioned instruction can be stored in a variety of computer readable storage mediums.The computer readable storage medium can To include the physical unit for storing information, can by after information digitalization again by the way of electricity, magnetic or optics etc. Media are stored.Computer readable storage medium described in the present embodiment, which has, may include：Information is stored in the way of electric energy Device such as, various memory, such as RAM, ROM；The device of information is stored in the way of magnetic energy such as, hard disk, floppy disk, tape, Core memory, magnetic bubble memory, USB flash disk；Using optical mode store information device such as, CD or DVD.Certainly, also other Readable storage medium storing program for executing of mode, such as quantum memory, graphene memory etc..The following devices or server or visitor Instruction in family end or system ibid describes.

It should be noted that this specification embodiment device described above, server, electronic equipment, according to related side The description of method embodiment can also include other embodiments.Concrete implementation mode is referred to retouching for embodiment of the method It states, does not repeat one by one herein.

Each embodiment in this specification is described in a progressive manner, identical similar portion between each embodiment Point just to refer each other, and each embodiment focuses on the differences from other embodiments.Especially for hardware+ For program class embodiment, since it is substantially similar to the method embodiment, so description is fairly simple, related place is referring to side The part of method embodiment illustrates.

It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims It is interior.In some cases, the action recorded in detail in the claims or step can be come according to different from the sequence in embodiment It executes and desired result still may be implemented.In addition, the process described in the accompanying drawings not necessarily require show it is specific suitable Sequence or consecutive order could realize desired result.In some embodiments, multitasking and parallel processing be also can With or it may be advantageous.

Based on the above-mentioned embodiment of the method repeatedly interacted and product device description, this specification also provides a kind of online Claims Resolution System, the system may include client, first server, second server,

Although this application provides the method operating procedure as described in embodiment or flow chart, based on conventional or noninvasive The labour for the property made may include more or less operating procedure.The step of being enumerated in embodiment sequence is only numerous steps A kind of mode in execution sequence does not represent and unique executes sequence.It, can when device or client production in practice executes With according to embodiment, either method shown in the drawings sequence is executed or parallel executed (such as at parallel processor or multithreading The environment of reason).

It carries out Claims Resolution service distributing although being mentioned in this specification embodiment content using fraud point, assisted using AR+AI User shoots the image for obtaining symbol and requiring, different Claims Resolution official documents and correspondences is pushed based on credit record, user certificate data are stored in The operations such as data acquisition, storage, interaction, calculating, the judgement of cloud server, type of notification message or the like and data description, But this specification embodiment is not limited to meet industry communication standard, standard image data processing protocol, communication Situation described in agreement and normal data model/template or this specification embodiment.Certain professional standards or use are made by oneself Right way of conduct formula or embodiment description practice processes on embodiment modified slightly can also realize above-described embodiment it is identical, etc. The implementation result being anticipated that after same or close or deformation.Using these modifications or deformed data acquisition, storage, judgement, place The embodiment of the acquisitions such as reason mode still may belong within the scope of the optional embodiment of this specification.

In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example, Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit. Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device (Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " patrols Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development, And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language (Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL (Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language) etc., VHDL (Very-High-Speed are most generally used at present Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages, The hardware circuit for realizing the logical method flow can be readily available.

Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can Read medium, logic gate, switch, application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), the form of programmable logic controller (PLC) and embedded microcontroller, the example of controller includes but not limited to following microcontroller Device：ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, are deposited Memory controller is also implemented as a part for the control logic of memory.It is also known in the art that in addition to Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic Controller is obtained in the form of logic gate, switch, application-specific integrated circuit, programmable logic controller (PLC) and embedded microcontroller etc. to come in fact Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions For either the software module of implementation method can be the structure in hardware component again.

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, vehicle-mounted human-computer interaction device, cellular phone, camera phone, smart phone, individual Digital assistants, media player, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or The combination of any equipment in these equipment of person.

Although this specification embodiment provides the method operating procedure as described in embodiment or flow chart, based on conventional May include either more or less operating procedure without creative means.The step of being enumerated in embodiment sequence be only A kind of mode in numerous step execution sequences does not represent and unique executes sequence.Device or end product in practice is held When row, can according to embodiment either method shown in the drawings sequence execute or it is parallel execute (such as parallel processor or The environment of multiple threads, even distributed data processing environment).The terms "include", "comprise" or its any other change Body is intended to non-exclusive inclusion, so that process, method, product or equipment including a series of elements are not only wrapped Those elements are included, but also include other elements that are not explicitly listed, or further include for this process, method, product Or the element that equipment is intrinsic.In the absence of more restrictions, being not precluded in the process including the element, side There is also other identical or equivalent elements in method, product or equipment.

For convenience of description, it is divided into various modules when description apparatus above with function to describe respectively.Certainly, implementing this The function of each module is realized can in the same or multiple software and or hardware when specification embodiment, it can also be by reality Show the module of same function by the combination realization etc. of multiple submodule or subelement.Device embodiment described above is only Schematically, for example, the division of the unit, only a kind of division of logic function, can there is other draw in actual implementation The mode of dividing, such as multiple units or component can be combined or can be integrated into another system, or some features can be ignored, Or it does not execute.Another point, shown or discussed mutual coupling, direct-coupling or communication connection can be by one The INDIRECT COUPLING of a little interfaces, device or unit or communication connection can be electrical, machinery or other forms.

It is also known in the art that other than realizing controller in a manner of pure computer readable program code, it is complete Entirely can by by method and step carry out programming in logic come so that controller with logic gate, switch, application-specific integrated circuit, programmable The form of logic controller and embedded microcontroller etc. realizes identical function.Therefore this controller is considered one kind Hardware component, and the structure that the device for realizing various functions that its inside includes can also be considered as in hardware component.Or Person even, can will be considered as either the software module of implementation method can be hardware again for realizing the device of various functions Structure in component.

The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.

These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works so that instruction generation stored in the computer readable memory includes referring to Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or The instruction executed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one The step of function of being specified in a box or multiple boxes.

In a typical configuration, computing device includes one or more processors (CPU), input/output interface, net Network interface and memory.

Memory may include computer-readable medium in volatile memory, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology realizes information storage.Information can be computer-readable instruction, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storages, magnetic tape cassette, tape magnetic disk storage or other magnetic storage apparatus Or any other non-transmission medium, it can be used for storage and can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.

It will be understood by those skilled in the art that the embodiment of this specification can be provided as method, system or computer program production Product.Therefore, in terms of this specification embodiment can be used complete hardware embodiment, complete software embodiment or combine software and hardware Embodiment form.Moreover, it wherein includes computer available programs that this specification embodiment, which can be used in one or more, Implement in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of code The form of computer program product.

This specification embodiment can describe in the general context of computer-executable instructions executed by a computer, Such as program module.Usually, program module includes routines performing specific tasks or implementing specific abstract data types, journey Sequence, object, component, data structure etc..This specification embodiment can also be put into practice in a distributed computing environment, in these points In cloth computing environment, by executing task by the connected remote processing devices of communication network.In Distributed Calculation ring In border, program module can be located in the local and remote computer storage media including storage device.

Each embodiment in this specification is described in a progressive manner, identical similar portion between each embodiment Point just to refer each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so description is fairly simple, related place is referring to embodiment of the method Part explanation.In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", The description of " specific example " or " some examples " etc. means specific features described in conjunction with this embodiment or example, structure, material Or feature is contained at least one embodiment or example of this specification embodiment.In the present specification, to above-mentioned term Schematic representation be necessarily directed to identical embodiment or example.Moreover, description specific features, structure, material or Person's feature may be combined in any suitable manner in any one or more of the embodiments or examples.In addition, in not conflicting feelings Under condition, those skilled in the art by different embodiments or examples described in this specification and different embodiment or can show The feature of example is combined.

The foregoing is merely the embodiments of this specification embodiment, are not limited to this specification embodiment.It is right For those skilled in the art, this specification embodiment can have various modifications and variations.It is all in this specification embodiment Any modification, equivalent replacement, improvement and so within spirit and principle, the right that should be included in this specification embodiment are wanted Within the scope of asking.

Claims

1. a kind of data processing method of Claims Resolution business, the method includes：

Insurance server obtains the risk data of vehicle insurance user, and the risk data includes characterizing the vehicle insurance user to have fraud The assessment data of risk；

The insurance server is based on Claims Resolution related information and judges whether to online Claims Resolution processing, if so, by vehicle insurance case Synchronizing information includes the risk data, belongs to the terminal server to terminal server, the Claims Resolution related information User account；

The Claims Resolution terminal receives the Claims Resolution information determined in the self-service Claims Resolution processing, and the Claims Resolution information is at least sent To the insurance server, the Claims Resolution information includes at least one of following：Shoot obtain accident vehicle image, record User certificate data；

The insurance server determines the setting loss of the vehicle insurance case as a result, and by the setting loss result based on the Claims Resolution information It is back to the Claims Resolution terminal；

The Claims Resolution terminal display setting loss result；

2. a kind of data processing method of Claims Resolution business, the method includes：

The risk data of vehicle insurance user is obtained, the risk data includes that there are the assessments of risk of fraud by the characterization vehicle insurance user Data；

Online Claims Resolution processing is judged whether to based on Claims Resolution related information, if so, by vehicle insurance case synchronizing information to terminal Server, the Claims Resolution related information include the risk data, belong to the user account of the terminal server；

The setting loss of the vehicle insurance case is determined as a result, and the setting loss result is sent to the end based on the Claims Resolution information of reception Server is held, the Claims Resolution information includes at least one of following：Shoot the user certificate of the accident vehicle image, record that obtain Data.

3. method as claimed in claim 2, the method further include：

If being associated with the user account failure, processing operation of settling a claim under tie-in line.

4. method as claimed in claim 2, the method further include：

The vehicle damage auxiliary information that the terminal server is sent is received, the vehicle damage auxiliary information is based on Claims Resolution terminal The accident vehicle image of acquisition is calculated.

5. a kind of data processing method of Claims Resolution business, the method includes：

The vehicle insurance case information for the online Claims Resolution processing of progress that insurance server is sent is received, the online Claims Resolution processing is based on packet Include risk data, the Claims Resolution related information for the user account for belonging to terminal server determines；

According to the vehicle insurance case information to corresponding Claims Resolution terminal sending out notice message, the notification message includes that characterization is online The information that Claims Resolution has been accepted.

6. method as claimed in claim 5, the method further include：

The Claims Resolution strategy of vehicle insurance user is generated according at least one of vehicle insurance case information, risk data, user credit data, And the Claims Resolution strategy is sent to the Claims Resolution terminal.

7. method as claimed in claim 5, described to include to corresponding Claims Resolution terminal sending out notice message：

With short message mode to the Claims Resolution terminal sending out notice message, the short message includes entering in Claims Resolution terminal operation of settling a claim The link information of the page.

8. method as claimed in claim 5, the method further include：

The accident vehicle image that Claims Resolution terminal is sent is received, the vehicle damage calculated based on the accident vehicle image assists letter Breath；

The vehicle damage auxiliary information is sent to the insurance server.

9. method as claimed in claim 5, the method further include：

Premium predictive information when insuring the period next time is generated, and the premium predictive information is sent to the Claims Resolution eventually End, the premium predictive information includes the estimated premium being in danger and the estimated premium not being in danger.

10. a kind of data processing method of Claims Resolution business, including：

The notification message that terminal server is sent is received, the notification message includes being characterized in lineation to pay for the information accepted；

The Claims Resolution information determined in self-service Claims Resolution processing is received, the Claims Resolution information is at least sent to insurance server, institute It includes at least one of following to state Claims Resolution information：Shoot the user certificate data of the accident vehicle image, record that obtain；

11. method as claimed in claim 10, further includes：

The Claims Resolution strategy that terminal server is sent is received, is settled a claim accordingly operation interface based on the Claims Resolution strategy generating.

12. method as claimed in claim 10, wherein the notification message is short message, and the short message includes into Claims Resolution The link information for operation pages of settling a claim in terminal.

13. method as claimed in claim 10, further includes：

Obtain that the terminal server sends insure next time the period when premium predictive information, the premium predictive information packet The estimated premium for including dangerous estimated premium and not being in danger.

14. a kind of data processing equipment of Claims Resolution business, described device include：

Risk data acquisition module, the risk data for obtaining vehicle insurance user, the risk data include characterizing the vehicle insurance There are the assessment data of risk of fraud by user；

Service distributing module judges whether to online Claims Resolution processing, if so, by vehicle insurance case for being based on Claims Resolution related information Part synchronizing information includes the risk data, belongs to the terminal server to terminal server, the Claims Resolution related information User account；

Setting loss processing module, the setting loss for determining the vehicle insurance case based on the Claims Resolution information of reception is as a result, and will be described fixed Damage result is sent to the terminal server, and the Claims Resolution information includes at least one of following：Shoot the accident vehicle obtained The user certificate data of image, record.

15. device as claimed in claim 14, described device further include：

New acquisition module is assisted, the vehicle damage auxiliary information sent for receiving the terminal server, the vehicle damage Auxiliary information is calculated based on the accident vehicle image that Claims Resolution terminal obtains.

16. a kind of data processing equipment of Claims Resolution business, described device include：

Synchronizing information module, the vehicle insurance case information of the online Claims Resolution processing of progress for receiving insurance server transmission are described Online Claims Resolution processing is determined based on the Claims Resolution related information including risk data, the user account for belonging to terminal server；

Notification module, for, to corresponding Claims Resolution terminal sending out notice message, the notice to disappear according to the vehicle insurance case information Breath includes being characterized in lineation to pay for the information accepted.

17. device as claimed in claim 16, described device further include：

Tactful configuration module, for generating vehicle according at least one of vehicle insurance case information, risk data, user credit data The Claims Resolution strategy of dangerous user, and the Claims Resolution strategy is sent to the Claims Resolution terminal.

18. device as claimed in claim 16, wherein notification module is disappeared with short message mode to the Claims Resolution terminal sending out notice Breath, the short message include entering the link information for operation pages of settling a claim in Claims Resolution terminal.

19. device as claimed in claim 16, further includes：

Supplementary module is damaged, the accident vehicle image sent for receiving Claims Resolution terminal is calculated based on the accident vehicle image Vehicle damage auxiliary information, and the vehicle damage auxiliary information is sent to the insurance server.

20. device as claimed in claim 16, further includes：

Premium prediction module, insure next time for generating the period when premium predictive information, and by the premium predictive information It is sent to the Claims Resolution terminal, the premium predictive information includes the estimated premium being in danger and the estimated premium not being in danger.

21. a kind of data processing equipment of Claims Resolution business, described device include：

Notify receiving module, the notification message for receiving terminal server transmission, the notification message includes being characterized in lineation Pay for the information accepted；

Claims Resolution message processing module, for receiving the Claims Resolution information determined in self-service Claims Resolution processing, extremely by the Claims Resolution information It is sent to insurance server less, the Claims Resolution information includes at least one of following：Shoot the accident vehicle image obtained, record User certificate data；

Setting loss result receiving module, the setting loss result determined based on the Claims Resolution information for receiving the insurance server；

22. device as claimed in claim 21, further includes：

Interface generation module, the Claims Resolution strategy for receiving terminal server transmission are corresponding based on the Claims Resolution strategy generating Claims Resolution operation interface.

23. device as claimed in claim 21, further includes：

Short message AM access module, for based on the link information access Claims Resolution operation for entering Claims Resolution terminal Claims Resolution operation pages in short message Interface.

24. device as claimed in claim 21, further includes：

Setting loss display module, for obtain that the terminal server sends insure next time the period when premium predictive information, The premium predictive information includes the estimated premium being in danger and the estimated premium not being in danger.

25. a kind of server, including processor and the memory for storing processor-executable instruction, the processor are held It is realized when row described instruction：

26. a kind of server, including processor and the memory for storing processor-executable instruction, the processor are held It is realized when row described instruction：

27. a kind of electronic equipment, including processor and the memory for storing processor-executable instruction, the processor It is realized when executing described instruction：

28. a kind of online Claims Resolution system, including client, first server, second server,

The client includes the device described in any one of claim 21-24；

The first server includes the device described in any one of claim 16-20；

The second server includes the device described in any one of claim 14-15.