CN109523389A - Vehicle damage processing method, device, equipment and medium based on image recognition - Google Patents
Vehicle damage processing method, device, equipment and medium based on image recognition Download PDFInfo
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- CN109523389A CN109523389A CN201811093264.0A CN201811093264A CN109523389A CN 109523389 A CN109523389 A CN 109523389A CN 201811093264 A CN201811093264 A CN 201811093264A CN 109523389 A CN109523389 A CN 109523389A
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Abstract
The present invention discloses a kind of vehicle damage processing method, device, equipment and storage medium based on image recognition, should include: to obtain accident treatment request based on the vehicle damage processing method of image recognition；According to accident treatment request in handle information with option type and insurance, call and match option type and the corresponding process flow interface of information is handled in insurance；Corresponding accident image is acquired by process flow interface；Accident image includes vehicle damage image；Vehicle damage image is identified using preparatory trained causality loss model, obtains causality loss information, independently to carry out loss appraisal, causality loss information is obtained, is based on causality loss information, obtain to amount for which loss settled；It treats amount for which loss settled using the premium model of estimating configured in settlement of insurance claim Processing Interface and is handled, obtain premium changing value；Based on to amount for which loss settled and premium changing value, Claims Resolution treatment advice is obtained.The process is reconnoitred without waiting for judicial personnel, improves accident treatment efficiency.
Description
Technical field
The present invention relates to field of image recognition more particularly to a kind of vehicle damage processing method based on image recognition, device, set
Standby and medium.
Background technique
As people's living standards have been gradually improved, automobile has become essential walking-replacing tool, so that motor-vehicle accident
Generation it is increasing, especially slight scratch accident is even more common.Traffic accident treatment process at present, for all accidents
Type (including but not limited to slight scratch accident) is required to that judicial personnel is waited to reconnoitre scene and carries out loss appraisal, makes
It obtains accident treatment not in time, is easy to cause traffic jam, increase traffic pressure.
Summary of the invention
The embodiment of the present invention provides a kind of vehicle damage processing method, device, equipment and medium based on image recognition, to solve
During traffic accident treatment, need that judicial personnel's prospecting scene is waited just to can be carried out loss appraisal, accident treatment low efficiency
Problem.
A kind of vehicle damage processing method based on image recognition, comprising:
Accident treatment request is obtained, the accident treatment request includes handling information with option type and insurance；
According to described with option type and information is handled in the insurance, call with it is described with option type and it is described insure do
Manage the corresponding process flow interface of information；
Corresponding accident image is acquired by the process flow interface；The accident image includes vehicle damage image；
Vehicle damage image is identified using preparatory trained causality loss model, obtains causality loss information；
Based on the causality loss information, obtain to amount for which loss settled；
It is handled to amount for which loss settled using the premium model of estimating configured in the settlement of insurance claim Processing Interface described,
Obtain premium changing value；
Based on described to amount for which loss settled and the premium changing value, Claims Resolution treatment advice is obtained.
A kind of vehicle damage processing unit based on image recognition, comprising:
Accident treatment request module, for obtaining accident treatment request, the accident treatment request includes matching option
Information is handled in type and insurance；
Process flow interface calling module, for option type and information is handled in the insurance, called according to described with
It is described with option type and it is described insurance handle the corresponding process flow interface of information；
Accident image obtains module, for acquiring corresponding accident image by the process flow interface；The accident
Image includes vehicle damage image；
Causality loss data obtaining module, for causality loss information using preparatory trained causality loss model to vehicle
Damage image identified, obtain causality loss information.
Module is obtained to amount for which loss settled, for being based on causality loss information, is obtained to amount for which loss settled.
Premium changing value obtains module, for treating reason using the premium model of estimating configured in settlement of insurance claim Processing Interface
It pays for the amount of money to be handled, obtains premium changing value.
Treatment advice of settling a claim obtains module, for obtaining Claims Resolution treatment advice based on to amount for which loss settled and premium changing value.
A kind of computer equipment, including memory, processor and storage are in the memory and can be in the processing
The computer program run on device, the processor realize the above-mentioned vehicle damage based on image recognition when executing the computer program
The step of processing method.
A kind of non-volatile memory medium, the non-volatile memory medium are stored with computer program, the computer
The step of above-mentioned vehicle damage processing method based on image recognition is realized when program is executed by processor.
The above-mentioned vehicle damage processing method based on image recognition, device, computer equipment and storage medium, server first obtain
Accident treatment request calls to handle information with option type and insurance in requesting according to accident treatment and matches option class
The corresponding process flow interface of information is handled in type and insurance, acquires corresponding accident image will pass through process flow interface,
And in the database by accident image storage, it puts on record for the subsequent administration of justice and vaild evidence is provided.Using preparatory trained accident
Loss model identifies the vehicle damage image in accident image, independently to carry out loss appraisal, obtains causality loss letter
Breath is reconnoitred without waiting for judicial personnel, improves accident treatment efficiency.It is based on causality loss information again, obtains to amount for which loss settled,
To treat amount for which loss settled using the premium model of estimating configured in settlement of insurance claim Processing Interface and handled, premium variation is obtained
Value, so as to based on to amount for which loss settled and premium changing value, obtaining Claims Resolution treatment advice, for user intelligently estimate insurance indemnity and
The influence of premium after being in danger, auxiliary user select more preferably mode to handle accident, causality loss are preferably minimized.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by institute in the description to the embodiment of the present invention
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention
Example, for those of ordinary skill in the art, without any creative labor, can also be according to these attached drawings
Obtain other attached drawings.
Fig. 1 is an application environment schematic diagram of the vehicle damage processing method in one embodiment of the invention based on image recognition；
Fig. 2 is a flow chart of the vehicle damage processing method in one embodiment of the invention based on image recognition；
Fig. 3 is a specific flow chart of step S20 in Fig. 2；
Fig. 4 is a specific flow chart of step S30 in Fig. 2；
Fig. 5 is another flow chart of the vehicle damage processing method in one embodiment of the invention based on image recognition；
Fig. 6 is the another flow chart of the vehicle damage processing method in one embodiment of the invention based on image recognition；
Fig. 7 is a functional block diagram of the vehicle damage processing unit in one embodiment of the invention based on image recognition；
Fig. 8 is a schematic diagram of computer equipment in one embodiment of the invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
Vehicle provided in an embodiment of the present invention based on image recognition damages processing method, can be applicable to the application environment such as Fig. 1
In, accident should be can be applicable to based on the vehicle damage processing method of image recognition and independently handled in APP, for assisting car owner from main process task
Traffic accident improves accident treatment efficiency.Wherein, computer equipment is communicated by network with server.Computer equipment
It can be, but not limited to various personal computers, laptop, smart phone, tablet computer and portable wearable device.Clothes
Business device can be realized with independent server.
In one embodiment, it as shown in Fig. 2, providing a kind of vehicle damage processing method based on image recognition, answers in this way
It is illustrated, includes the following steps: for the server in Fig. 1
S10: obtaining accident treatment request, and accident treatment request includes handling information with option type and insurance.
Wherein, accident treatment request is independently to handle the request that APP carries out accident treatment for triggering accident.With option class
Type refers to the severity of traffic accident, including but not limited to minor accident, ordinary accident, major accident and serious accident.Gently
It include personal damage, folk prescription in micro- accident without personal damage (such as collision external object) and in many ways without personal damage (such as vehicle
It knocks into the back).It includes having handled and not handled that information is handled in insurance.
Specifically, user can independently handle in APP in accident, register account number and filling registration information, to log in accident certainly
Sponsor reason APP.The registration information includes but is not limited to that name, gender, age, contact method, job specification and insurance are handled
Information.Register account number and password login APP can be used after registering APP in user, can direct point when traffic accident occurs
" accident treatment " button on APP interactive interface is hit, at this point, will pop up with option type configuration interface, user can be in the configuration
It is preset in selection APP on interface to match option type, so that server obtains accident treatment request.Understandably, if user exists
Insurance has been filled when filling registration information and has handled information, at this point, handling information without filling in insurance again, server can root
Pre-stored user message table in database is searched according to the account information of user, handles letter to obtain the corresponding insurance of the user
Breath, it is convenient and efficient without filling in again.
Specifically, since user possibly can not judge the severity that accident currently occurs, accident is independently handled
APP can also provide the judgment criteria of severity of injuries to user, more accurately match so that user fills according to the judgment criteria
Option type, so that it is more accurate by the causality loss information that subsequent step is got, to promote user experience.Accident is serious
The judgment criteria of degree is as follows:
(1) minor accident refers to and once causes 1 to 2 people of slight wound or property loss motor vehicle accident less than 1000 yuan,
Accident of the non-motor vehicle accident less than 200 yuan.
(2) ordinary accident refers to and once causes severely injured 1 to 2 people perhaps more than 3 people of slight wound or property loss is less than 3
Ten thousand yuan of accident.
(3) major accident refers to 1 to 2 people that once causes death, and either more than severely injured 3 people 10 people are hereinafter, property damage
Lose 30,000 yuan or more the accidents less than 60,000 yuan.
(4) serious accident refers to and once causes death more than 3 people, perhaps more than severely injured 11 people or dead 1 people, simultaneously
More than severely injured 8 people or dead 2 people, while more than severely injured 5 people or 60,000 yuan of property loss or more of accident.
S20: handling information according to option type and insurance, calls corresponding with information is handled with option type and insurance
Process flow interface.
Wherein, each process flow interface corresponds to different process flows, and each process flow all includes: that specific needs are done
Which step provides which data and the photographing request to shooting accident photograph.Due to the different accidents with option type with
And the corresponding process flow difference of information is handled in different insurances, therefore, server can match option class according to user is selected
Information is handled in type and pre-stored insurance, and corresponding process flow interface is called to be handled.Wherein, process flow interface packet
It includes settlement of insurance claim Processing Interface and the administration of justice is put on record Processing Interface, which is for carrying out settlement of insurance claim processing
The interface of process (if the user information stored in system is to have handled insurance, this kind of mode may be selected), the administration of justice are put on record processing
Interface is the interface for carrying out judicial process flow of putting on record.Specifically, server is according to preparatory in option type and system
Information is handled in the insurance of storage, is called and is matched option type and the corresponding process flow interface of information is handled in insurance, with after an action of the bowels
It is continuous to be handled by process flow interface.
S30: corresponding accident image is acquired by process flow interface, accident image includes vehicle damage image.
Wherein, accident image is according to pre-set according to the collected figure for being assessed traffic accident
Picture.The accident image includes vehicle damage image, and vehicle damage image refers to the detail view at vehicle scratch position in traffic accident
Picture.Specifically, the image capture module that server is provided by process flow interface acquires thing corresponding with process flow interface
Therefore image.The image capture module includes but is not limited to camera shooting or local upload.
In the present embodiment, server carries out fuzzy inspection after collecting accident image, to accident image, if accident image
Excessively fuzzy, then prompt is re-shoot, until obtaining more visible accident image.
Specifically, the process for carrying out fuzzy inspection to accident image is as follows: first carrying out ash to the accident image that user uploads
Degreeization, to carry out process of convolution using the Laplace operator (matrix that can be regarded as 3x3) of 3x3, to use std2 ()
Function calculates the standard deviation of accident image after convolution, then carries out square to standard deviation, the variance of accident image is obtained, so as to by thing
Therefore the variance of image is judged with preset threshold, which is pre-set for determining the variance of accident image
Threshold value.If the variance of accident image is greater than or equal to preset threshold, it is pre- to illustrate that the clarity of the accident image has reached
If threshold value, without re-shooting.Std2 () function is the function for calculating the standard deviation of accident image after convolution.If accident
The corresponding variance of image is less than preset threshold, then illustrates that the clarity of the accident image is not up to preset threshold, need to prompt again
Shooting, until obtaining more visible accident image.In the present embodiment, the more visible accident image that server will acquire is stored
In the database, it to guarantee to obtain effective accident image (i.e. more visible accident image) and store, while improving subsequent
The accuracy rate that vehicle loss image is identified.
S40: identifying vehicle damage image using preparatory trained causality loss model, obtains causality loss letter
Breath.
Wherein, causality loss model is the preparatory trained model for being estimated to Traffic Accident Loss.Accident
Loss information is specially the reference price of vehicle maintenance.Specifically, after server obtains accident image, it will pop up and whether select
The prompt information of settlement of insurance claim, if user selects settlement of insurance claim process and is slight-folk prescription without personal damage thing with option type
Therefore the detail view (i.e. vehicle damage image) at the vehicle scratch position that user uploads and the vehicle of accident side are then input to accident
It is identified in loss model；If user selects settlement of insurance claim process and has personal damage thing with option type for slight-both sides
Therefore then the detail view (i.e. vehicle damage image) at the vehicle scratch position that user uploads and/or the vehicle of accident side are input to
It is identified in causality loss model, independently to carry out loss appraisal, obtains the reference price of vehicle maintenance, auxiliary user's selection
The Automobile Service Factory of reasonable price repairs, and reconnoitres without waiting for judicial personnel, can independently carry out loss appraisal and obtain thing
Therefore loss information, improve accident treatment efficiency.
S50: being based on causality loss information, obtains to amount for which loss settled.
Wherein, to amount for which loss settled that amount for which loss settled is by settlement of insurance claim Processing Interface according to causality loss acquisition of information.
Since causality loss information is specially vehicle maintenance price, and automobile Claims Resolution Claims Resolution generally in full, therefore server can be direct
The vehicle maintenance price that causality loss acquisition of information is arrived carries out intelligence for amount for which loss settled so as to subsequent as to amount for which loss settled
It can estimate.
S60: it treats amount for which loss settled using the premium model of estimating configured in settlement of insurance claim Processing Interface and is handled, obtain
Premium changing value.
Wherein, estimating premium model is the model for being estimated to premium following after being in danger being pre-created.It protects
Expense changing value be based on estimate premium model be user estimate this be in danger after, the increment of the following premium.Specifically, different to protect
The regulation of dangerous company is different, generally will affect the premium of second year after being in danger once.In the present embodiment, if user selects insurance
Claims Resolution mode is treated amount for which loss settled and is handled, obtained and protect using the premium model of estimating configured in settlement of insurance claim Processing Interface
Take changing value, the influence of premium after intelligently estimating insurance indemnity for user and be in danger, auxiliary user selects at more preferably mode
Director's event, causality loss is preferably minimized.For example, estimating the calculation formula of premium is set for premium=benchmark gold in premium model
Volume * premium coefficient, wherein reference amount refers to that premium coefficient is basis using the amount of money needed for the vehicle insurance for buying corresponding insurance kind
The different upper years of car owner be in danger situation determine coefficient.For example, if user's initial purchase vehicle insurance, premium coefficient
It is 1；If user does not carry out settlement of insurance claim in previous year, premium coefficient is less than 1；If user carried out in previous year
Settlement of insurance claim, then its premium coefficient is greater than 1.Specifically, if user carried out settlement of insurance claim in previous year, according to upper one year
Degree carries out the number of settlement of insurance claim and amount for which loss settled inquiry estimate premium model (this estimate premium model can for a tables of data,
The corresponding relationship of claim times, amount for which loss settled and premium coefficient these three fields is set in tables of data), with the corresponding Claims Resolution of determination
The amount of money.
S70: based on to amount for which loss settled and premium changing value, Claims Resolution treatment advice is obtained.
Specifically, it if being greater than premium changing value to amount for which loss settled, obtains suggestion user and is contemplated that and take insurance indemnity
Mode obtains the Claims Resolution treatment advice of reparation, if being not more than premium changing value to amount for which loss settled, obtains it is not recommended that user takes
The mode of settlement of insurance claim obtains the Claims Resolution treatment advice of reparation, to assist user to select optimal compensatory approach, ensures user's benefit
Benefit.
In the present embodiment, server first obtains accident treatment request, so as in being requested according to accident treatment with option class
Information is handled in type and insurance, is called and is matched option type and the corresponding process flow interface of information is handled in insurance, will pass through
Process flow interface acquires corresponding accident image, and in the database by accident image storage, puts on record and mention for the subsequent administration of justice
For vaild evidence.The vehicle damage image in accident image is identified using preparatory trained causality loss model, with
It is autonomous to carry out loss appraisal, causality loss information is obtained, is reconnoitred without waiting for judicial personnel, accident treatment efficiency is improved.By thing
Therefore lose the vehicle maintenance price that acquisition of information arrives and be used as to amount for which loss settled, so as to what is configured in use settlement of insurance claim Processing Interface
It estimates premium model and treats amount for which loss settled and handled, obtain premium changing value, so as to based on changing to amount for which loss settled and premium
Value obtains Claims Resolution treatment advice, the influence of premium after intelligently estimating insurance indemnity for user and be in danger, and auxiliary user selection is more
Good mode handles accident, and causality loss is preferably minimized.
In one embodiment, process flow interface includes settlement of insurance claim Processing Interface and the administration of justice is put on record Processing Interface.Such as Fig. 3
It is shown, in step S20, i.e., information is handled according to option type and insurance, calls and handle information with option type and insurance
Corresponding process flow interface, specifically comprises the following steps:
S21: if being slight-folk prescription without personal damage accident with option type, and it is to have handled insurance that information is handled in insurance,
First choice instruction is obtained, the processing of putting on record of corresponding with first choice instruction settlement of insurance claim Processing Interface or the administration of justice is called to connect
Mouthful.
Wherein, first choice instruction is for selecting settlement of insurance claim Processing Interface or the administration of justice Processing Interface of putting on record to be handled
Instruction.Specifically, if being slight-folk prescription without personal damage accident with option type, and it is to have handled guarantor that information is handled in insurance
Danger, then server will pop up process selecting list, so as to user based in process selecting list settlement of insurance claim Processing Interface and
Administration of justice Processing Interface of putting on record is selected, to obtain a selection instruction.Since the traffic accident type is slight-folk prescription without personnel
Damage accident, then it is assumed that without calling administration of justice Processing Interface of putting on record to be handled, default in process selecting list and choose " insurance
Claims Resolution process flow ", to call settlement of insurance claim Processing Interface to be handled, user confirms, saves processing stream of putting on record
Journey improves accident treatment efficiency.It needs to illustrate, if user wants to handle using administration of justice process of putting on record, can also choose that " administration of justice is vertical
Case process flow " is simultaneously confirmed, so that server obtains first choice instruction, the first choice based on acquisition instructs calling department
Method Processing Interface of putting on record is handled.
S22: if not being slight-folk prescription without personal damage accident with option type, and it is to have handled guarantor that information is handled in insurance
Danger obtains the second selection instruction, if the second selection instruction is settlement of insurance claim process instruction, sequentially administration of justice processing of putting on record is called to connect
Mouthful and settlement of insurance claim Processing Interface call directly the administration of justice if the second selection instruction is not settlement of insurance claim process instruction and put on record place
Manage interface.
Wherein, the second selection instruction is for judging whether user selects the instruction of settlement of insurance claim.Specifically, if matching option
Type is not slight-folk prescription without personal damage accident, and it is to have handled insurance that information is handled in insurance, then will pop up and whether insure reason
The prompt information of compensation, user can select "Yes" or "No" to obtain the second selection instruction so as to server in prompt information.If the
Two selection instructions are settlement of insurance claim process instruction, since the traffic accident type is not slight-folk prescription without personal damage accident, then
It need to prompt first to call administration of justice Processing Interface of putting on record to carry out processing of putting on record, then settlement of insurance claim Processing Interface be called to carry out settlement of insurance claim
I.e. first prompt user is reported a case to the security authorities based on the phone number of public security department pre-stored in system for processing, to obtain public security organ
The accident responsibility protocol shown, and the accident responsibility protocol is presented to the process that insurance company settles a claim.If second
Selection instruction is not settlement of insurance claim process instruction, then calls directly administration of justice Processing Interface of putting on record and handled, so that user can be
When traffic accident occurs, accident can be handled in time according to the prompt information of APP, improve accident treatment efficiency.
S23: it if it is not handle insurance that information is handled in insurance, calls directly the administration of justice and puts on record Processing Interface.
Specifically, it if it is not handle insurance that information is handled in insurance, calls directly administration of justice Processing Interface of putting on record and is handled,
Without considering settlement of insurance claim Processing Interface.Understandably, administration of justice processing of putting on record can only be called to connect the user not handled insurance
Mouth handle or voluntarily handle.
Wherein, administration of justice the step of Processing Interface is handled of putting on record includes:
It reports a case to the security authorities 1. accepting.Public safety traffic management department is connected to after party or other people report a case to the security authorities, according to compass of competency
It is put on record.
2. in-situ processing.After public safety traffic management department accepts and hears a case, dispatches officers to rush towards scene immediately, rescue the wounded and wealth
It produces, reconnoitres scene, collect evidence.In the present embodiment, accident image is acquired in step s 30, to collect evidence, to save the administration of justice
The time that personnel collect evidence improves accident treatment efficiency.
3. confirmation of responsibility.On the basis of investigating thoroughly the traffic accident fact, public safety traffic management department is according to accident party
Act of violating regulations and traffic accident causality, effect size etc., the traffic accident responsibility of party is made that.
4. ruling is punished.Public safety traffic management department according to pertinent regulations should alert traffic accident responsibility people, impose a fine,
The punishment withheld, revoke or detained.
5. damages is reconciled.The reparation of casualties and economic loss caused by traffic accident, according to pertinent regulations
And measure of indemnity, corresponding reparation ratio is divided according to accident responsibility, by public safety traffic management department convene both parties into
Row is reconciled.Reach an agreement by mutual consent, made by accident pacification worker and issues damages conciliation statement.
6. filing lawsuit with.If both parties reconcile in vain in legal time limit, public safety traffic management department, which terminates, to be adjusted
Solution, and conciliation termination book is issued, it is filed a lawsuit from both parties to law court.
In the present embodiment, server is first handled information and is judged to option type and insurance, if being with option type
Slightly-folk prescription is without personal damage accident, and it is to have handled insurance that information is handled in insurance, then can be without calling administration of justice processing of putting on record to connect
Mouth is handled, and can be called directly settlement of insurance claim Processing Interface and be handled, and process flow of putting on record is saved, and improves accident treatment effect
Rate.If user wants to handle using administration of justice process of putting on record, administration of justice Processing Interface of putting on record can also be called to be handled.If with choosing
Item type is not slight-folk prescription without personal damage accident, and it is to have handled insurance that information is handled in insurance, obtains second and selects to refer to
It enables, if the second selection instruction is settlement of insurance claim process instruction, prompt is needed first administration of justice Processing Interface of putting on record to be called to carry out the place that puts on record
Reason, then call settlement of insurance claim Processing Interface carry out settlement of insurance claim processing, so as to user can quick obtaining insurance company according to department
The reparation for the confirmation of responsibility book that method personnel provide, without waiting for legal decision；If the second selection instruction is not settlement of insurance claim processing
Instruction then calls directly administration of justice Processing Interface of putting on record and carries out processing of putting on record, obtained and compensated according to legal means, and the process is avoidable
To the influence of the following premium after being in danger, but due to needing to wait for legal decision, cause the efficiency for obtaining reparation lower.If insurance is handled
Information is not handle insurance, then calls directly the administration of justice and put on record Processing Interface, so that user can be when traffic accident occurs, Neng Gougen
According to the prompt information of APP, accident is handled in time, improves accident treatment efficiency.
In one embodiment, accident image further includes divisions of responsibility image.As shown in figure 4, passing through place in step S30
It manages process interface and acquires corresponding accident image, specifically comprise the following steps:
S31: if process flow interface is settlement of insurance claim Processing Interface, and being slight-folk prescription without personnel's damage with option type
Hurt accident, then vehicle damage image is acquired as accident image by settlement of insurance claim Processing Interface.
It specifically, if process flow interface is settlement of insurance claim Processing Interface, and is slight-folk prescription without personnel with option type
Damage accident then puts on record without the administration of justice and carries out confirmation of responsibility and can directly carry out settlement of insurance claim, and therefore, server passes through insurance reason
The image capture module that Processing Interface provides is paid for, acquisition vehicle damage image is damaged so as to subsequent using accident as accident image
Model is lost to identify vehicle damage image.
S32: it if process flow interface is that the administration of justice is put on record Processing Interface, acquires vehicle by administration of justice Processing Interface of putting on record and damages
Hurt image and divisions of responsibility image as accident image.
Wherein, for determining the image of accident responsibility when divisions of responsibility image is judicial puts on record.Specifically, since the administration of justice is vertical
In case processing, accident side is needed to provide vehicle damage image and divisions of responsibility image, to be used for using the divisions of responsibility image
Determine accident responsibility, and utilizes the vehicle damage image analysis accident indemnity amount of money.Therefore, if process flow interface is put on record for the administration of justice
Processing Interface acquires vehicle damage image and divisions of responsibility then by the image capture module of judicial Processing Interface offer of putting on record
Image is as accident image, so that judicial personnel is to the vehicle damage image and divisions of responsibility image pair shot directly against car owner
Accident is handled, and the time is saved, and improves accident treatment efficiency.
The photographing request of the corresponding accident photograph of different accident patterns is different, by taking the minor accident of no personal damage as an example,
The photographing request of its accident photograph are as follows: the detail view at 1. 1 vehicle scratch positions, to analyze the accident indemnity amount of money, if user
Select settlement of insurance claim mode can also provide data source for settlement of insurance claim process；2. two cars relative position image (recent photograph and
Far according to each one), to analyze the saponin hydrolysis of car accident；It, (must be comprising two cars on road 3. prospect map one is opened
Position), further to analyze the ratio of accident responsibility from whole angle, and paid for accordingly according to the ratio cut partition of accident responsibility
Repay ratio；4. brake track and fall the panorama sketch such as fragment, for it is subsequent walk administration of justice process of putting on record retain evidence.5. other side drives
Card, driving license information and Vehicle Identify Number photo effectively prevent other side driver to dislike to determine the whether legal driving of other side driver
The case where meaning replaces.
In the present embodiment, server first judges process flow interface, if process flow interface is at settlement of insurance claim
Manage interface, and be slight-folk prescription without personal damage accident with option type, then put on record without the administration of justice carry out confirmation of responsibility can be straight
Row settlement of insurance claim is tapped into, is identified so as to subsequent based on vehicle damage image.If process flow interface is that the administration of justice is put on record processing
Interface is put on record by the administration of justice and needs to carry out divisions of responsibility, therefore by the image capture module of judicial Processing Interface offer of putting on record, is adopted
Collect vehicle damage image and divisions of responsibility image as accident image, so that judicial personnel is to the vehicle shot directly against car owner
Damage image and divisions of responsibility image handle accident, save the time, improve accident treatment efficiency.
In one embodiment, as shown in figure 5, after step S40, should further include based on the vehicle damage processing method of image recognition
Following steps:
S81: vehicle maintenance recommendation request is obtained, vehicle maintenance recommendation request includes the way of recommendation and current location.
Wherein, vehicle maintenance recommendation request is to recommend the request of Automobile Service Factory for user for trigger the server.Currently
Position refers to the position that user is presently in.Specifically, user can click " vehicle maintenance recommendation " on the interactive interface of APP and press
Button, at this point, will pop up recommended configuration interface, user can select the way of recommendation on the configuration interface, and be based on user institute in real time
Acquisition for mobile terminal GPS positioning, that is, current location of carrying, so that server obtains the vehicle maintenance recommendation request of user.This is pushed away
The mode of recommending includes but is not limited to that the shortest distance recommends to recommend both modes with popularity.
S82: if the way of recommendation is shortest distance recommendation, third party's navigation interface traversal is called to calculate pre-stored vapour
Vehicle maintenance factory position and current location obtain object vehicle maintenance factory information, and displaying target Automobile Service Factory information.
Wherein, object vehicle maintenance factory information includes but is not limited to Automobile Service Factory position and corresponding maintenance factory's correspondent party
Formula.Specifically, if the way of recommendation is shortest distance recommendation, server can be based on current location, call third party's navigation interface
(such as: Amap) traversal calculates pre-stored Automobile Service Factory position at a distance from current location, determines apart from shortest
Automobile Service Factory is as object vehicle maintenance factory, to obtain object vehicle maintenance factory information, and can be navigated and be connect according to third party
What mouth provided goes to the route of object vehicle maintenance factory to go to object vehicle maintenance factory maintenance vehicle, so that user can locate in time
Director's event, improves accident treatment efficiency.
S83: if the way of recommendation is that popularity is recommended, count pre-stored automobile dimension factory by selection number, obtain
Popularity recommendation tables obtain object vehicle maintenance factory information, and displaying target Automobile Service Factory information according to popularity recommendation tables.
Popularity recommendation tables are server being counted by selection number based on Automobile Service Factory, according to by selection number from
The recommendation tables that high to Low sequence is shown, for selection by the user.Specifically, if the way of recommendation is popularity recommendation, statistics is pre-
The automobile dimension factory first stored by selection number, popularity recommendation tables are obtained, so that user can select according to popularity recommendation tables
It selects, the Automobile Service Factory that acquisition user selects shows the object vehicle maintenance factory information as object vehicle maintenance factory information,
So that user goes to corresponding Automobile Service Factory's maintenance vehicle according to target maintenance factory information, to realize the mesh from main process task accident
's.
In the present embodiment, server first obtains vehicle maintenance recommendation request, and to the recommendation in vehicle maintenance recommendation request
Mode is judged, if the way of recommendation is shortest distance recommendation, calls third party's navigation interface traversal to calculate pre-stored
Automobile Service Factory position and current location obtain object vehicle maintenance factory information, so that user can handle accident in time, improve
Accident treatment efficiency.If the way of recommendation is that popularity is recommended, count pre-stored automobile dimension factory by selection number, obtain
Popularity recommendation tables obtain object vehicle maintenance factory information, and displaying target Automobile Service Factory information according to popularity recommendation tables, so as to
User goes to corresponding Automobile Service Factory's maintenance vehicle according to target maintenance factory information, to realize the purpose from main process task accident.
In one embodiment, if as shown in fig. 6, should be known based on image after the way of recommendation is the step of popularity is recommended
Other vehicle damages processing method further include:
S91: whether judgement meets preset requirement with option type.
In the present embodiment, preset requirement is the lighter requirement of pre-set severity of injuries, specially slightly-folk prescription
Without personal damage accident.
S92: if meeting preset requirement with option type, count pre-stored Automobile Service Factory by selection number,
Popularity recommendation tables are obtained, obtain object vehicle maintenance factory information according to popularity recommendation tables.
Specifically, if meeting preset requirement with option type, the secondary by selection of pre-stored Automobile Service Factory is counted
Number obtains popularity recommendation tables, obtains object vehicle maintenance factory information according to popularity recommendation tables.If not met with option type default
It is required that third party's navigation interface traversal is then called to calculate pre-stored Automobile Service Factory position and current location, distance is obtained
Shortest object vehicle maintenance factory information, and displaying target Automobile Service Factory information.Since slight-folk prescription is without personal damage accident
Generally vehicle scratch accident, the severity of accident is lower to meet preset requirement, therefore can suggest selecting popularity recommendation
Mode, select popularity it is higher without range line from Automobile Service Factory's maintenance vehicle.
S93: if not meeting preset requirement with option type, third party's navigation interface traversal is called to calculate pre-stored
Automobile Service Factory position and current location obtain object vehicle maintenance factory information, and displaying target Automobile Service Factory information.
If severity of injuries is higher (namely not meeting preset requirement), then it is assumed that vehicle needs to select the vapour of minimum distance
Vehicle maintenance factory repairs, then Server Default calls third party's navigation interface traversal to calculate pre-stored Automobile Service Factory position
It sets and current location, obtains object vehicle maintenance factory information, and displaying target Automobile Service Factory information, pass through and popularity is combined to recommend
Mode and shortest distance mode, to achieve the purpose that the intelligent selection way of recommendation.
In the present embodiment, server first judges whether meet preset requirement with option type, if meeting with option type pre-
If it is required that then count pre-stored Automobile Service Factory by selection number, obtain popularity recommendation tables, obtained according to popularity recommendation tables
Object vehicle maintenance factory information is taken, if not meeting preset requirement with option type, third party's navigation interface traversal is called to calculate
Pre-stored Automobile Service Factory position and current location obtain object vehicle maintenance factory information, and displaying target auto repair
Factory's information, to avoid do not meet preset requirement (i.e. severity of injuries is higher) with option type and user using unlimited distance
The popularity way of recommendation is recommended, and leads to not drive in a vehicle to apart from farther away automobile since the current accident of user's vehicle is more serious
The problem of maintenance factory repairs, by combining the popularity way of recommendation and shortest distance mode, to reach intelligent selection recommendation side
The purpose of formula.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
In one embodiment, a kind of vehicle damage processing unit based on image recognition is provided, should be damaged based on the vehicle of image recognition
Vehicle damage processing method in processing unit and above-described embodiment based on image recognition corresponds.As shown in fig. 7, image should be based on
The vehicle damage processing unit of identification includes accident treatment request module 10, process flow interface calling module 20, accident image
Module 30, causality loss data obtaining module 40 are obtained, obtains module 50 to amount for which loss settled, premium changing value obtains 60 and of module
Treatment advice of settling a claim obtains module 70.Detailed description are as follows for each functional module:
Accident treatment request module 10, for obtaining accident treatment request, accident treatment request includes matching option class
Information is handled in type and insurance.
Process flow interface calling module 20, for handling information according to option type and insurance, calling and matching option
The corresponding process flow interface of information is handled in type and insurance.
Accident image obtains module 30, for acquiring corresponding accident image, accident image packet by process flow interface
Include vehicle damage image.
Causality loss data obtaining module 40, for causality loss information using preparatory trained causality loss model pair
Vehicle damage image is identified, causality loss information is obtained.
Module 50 is obtained to amount for which loss settled, for being based on causality loss information, is obtained to amount for which loss settled.
Premium changing value obtains module 60, for being treated using the premium model of estimating configured in settlement of insurance claim Processing Interface
Amount for which loss settled is handled, and premium changing value is obtained.
Treatment advice of settling a claim obtains module 70, for obtaining Claims Resolution processing and building based on to amount for which loss settled and premium changing value
View.
Specifically, process flow interface includes settlement of insurance claim Processing Interface and the administration of justice is put on record Processing Interface.Process flow connects
Mouth calling module includes the first call unit, the second call unit and third call unit.
First call unit, if for being slight-folk prescription without personal damage accident with option type, and information is handled in insurance
To have handled insurance, first choice instruction is obtained, settlement of insurance claim Processing Interface corresponding with first choice instruction or department are called
Method is put on record Processing Interface.
Second call unit, if for not being slight-folk prescription without personal damage accident with option type, and letter is handled in insurance
Breath obtains the second selection instruction to have handled insurance, if the second selection instruction is settlement of insurance claim process instruction, sequentially calling department
Method is put on record Processing Interface and settlement of insurance claim Processing Interface, if the second selection instruction is not settlement of insurance claim process instruction, is directly adjusted
It is put on record Processing Interface with the administration of justice.
Third call unit calls directly administration of justice processing of putting on record and connects if to handle information be not handle insurance for insuring
Mouthful.
Specifically, accident image further includes divisions of responsibility image；Accident image obtain module include first processing units and
The second processing unit.
First processing units, if be settlement of insurance claim Processing Interface for process flow interface, and with option type be it is slight-
Folk prescription then acquires vehicle damage image as accident image by settlement of insurance claim Processing Interface without personal damage accident.
The second processing unit is put on record processing if being that the administration of justice is put on record Processing Interface for process flow interface by the administration of justice
Interface acquires vehicle damage image and divisions of responsibility image as accident image.
It specifically, should further include vehicle maintenance recommendation request acquiring unit, the based on vehicle damage processing method of image recognition
One recommendation unit and the second recommendation unit.
Vehicle maintenance recommendation request acquiring unit, for obtaining vehicle maintenance recommendation request；Vehicle maintenance recommendation request packet
Include the way of recommendation and current location.
First recommendation unit, if being shortest distance recommendation for the way of recommendation, using calling third party's navigation interface time
It goes through and calculates pre-stored Automobile Service Factory position and current location, obtain object vehicle maintenance factory information, and displaying target vapour
Vehicle maintenance factory information.
Second recommendation unit counts the quilt of pre-stored automobile dimension factory if being popularity recommendation for the way of recommendation
Number is selected, popularity recommendation tables are obtained, obtains object vehicle maintenance factory information according to popularity recommendation tables, and displaying target automobile is tieed up
Repair factory's information.
It specifically, should further include with option type judging unit, first object based on the vehicle damage processing method of image recognition
Automobile Service Factory's acquiring unit and the second object vehicle maintenance factory acquiring unit.
With option type judging unit, for judging whether meet preset requirement with option type.
First object Automobile Service Factory acquiring unit, if it is pre- to execute statistics for meeting preset requirement with option type
The Automobile Service Factory first stored by selection number, obtain popularity recommendation tables, obtain object vehicle maintenance according to popularity recommendation tables
The step of factory's information.
Second object vehicle maintenance factory acquiring unit, if calling third for not meeting preset requirement with option type
Square navigation interface traversal calculates pre-stored Automobile Service Factory position and current location, obtains object vehicle maintenance factory information,
And displaying target Automobile Service Factory information.
Specific restriction about the vehicle damage processing unit based on image recognition may refer to know above for based on image
The restriction of other vehicle damage processing method, details are not described herein.Each mould in the above-mentioned vehicle damage processing unit based on image recognition
Block can be realized fully or partially through software, hardware and combinations thereof.Above-mentioned each module can be embedded in the form of hardware or independence
In processor in computer equipment, it can also be stored in a software form in the memory in computer equipment, in order to
Processor, which calls, executes the corresponding operation of the above modules.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 8.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is used for for storing the number for executing and generating or obtain during the damage processing method of the vehicle based on image recognition
According to such as accident image.The network interface of the computer equipment is used to communicate with external terminal by network connection.The computer
To realize that a kind of vehicle based on image recognition damages processing method when program is executed by processor.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, processor execute computer program when realize in above-described embodiment based on figure
The step of damaging processing method as the vehicle of identification, such as step shown in step S10-S70 or Fig. 3 to Fig. 6 shown in Fig. 2.
Alternatively, processor realizes each mould in vehicle damage this embodiment of processing unit based on image recognition when executing computer program
Block/unit function, such as the function of each module/unit shown in Fig. 7, to avoid repeating, which is not described herein again.
In one embodiment, a kind of non-volatile memory medium is provided, meter is stored on the computer readable storage medium
Calculation machine program, the computer program realize that the vehicle in above-described embodiment based on image recognition damages processing method when being executed by processor
The step of, such as step shown in step S10-70 or Fig. 3 to Fig. 6 shown in Fig. 2, it is no longer superfluous here to avoid repeating
It states.Alternatively, the computer program realizes above-mentioned vehicle damage this implementation of processing unit based on image recognition when being executed by processor
The function of each module/unit in example, such as the function of each module/unit shown in Fig. 7, it is no longer superfluous here to avoid repeating
It states.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of vehicle based on image recognition damages processing method characterized by comprising
Accident treatment request is obtained, the accident treatment request includes handling information with option type and insurance；
According to described with option type and information is handled in the insurance, call with described with option type and letter is handled in the insurance
The corresponding process flow interface of manner of breathing；
Corresponding accident image is acquired by the process flow interface；The accident image includes vehicle damage image；
Vehicle damage image is identified using preparatory trained causality loss model, obtains causality loss information；
Based on the causality loss information, obtain to amount for which loss settled；
It is handled to amount for which loss settled using the premium model of estimating configured in the settlement of insurance claim Processing Interface described, is obtained
Premium changing value；
Based on described to amount for which loss settled and the premium changing value, Claims Resolution treatment advice is obtained.
2. the vehicle based on image recognition damages processing method as described in claim 1, which is characterized in that the process flow interface
It puts on record Processing Interface including settlement of insurance claim Processing Interface and the administration of justice；
It is described to handle information with option type and the insurance according to, it calls and is done with option type with the insurance with described
Manage the corresponding process flow interface of information, comprising:
If the option type of matching is described slight-folk prescription without personal damage accident, and it is to have handled that information is handled in the insurance
Insurance then obtains first choice instruction, and calls settlement of insurance claim Processing Interface corresponding with first choice instruction or department
Method is put on record Processing Interface；
If the option type of matching is not described slight-folk prescription without personal damage accident, and it is to have done that information is handled in the insurance
Reason insurance, obtains the second selection instruction, if second selection instruction is settlement of insurance claim process instruction, sequentially calls judicial vertical
Case Processing Interface and settlement of insurance claim Processing Interface are directly adjusted if second selection instruction is not settlement of insurance claim process instruction
It is put on record Processing Interface with the administration of justice；
If it is not handle insurance that information is handled in the insurance, calls directly the administration of justice and put on record Processing Interface.
3. the vehicle based on image recognition damages processing method as claimed in claim 2, which is characterized in that the accident image also wraps
Include divisions of responsibility image；
It is described that corresponding accident image is acquired by the process flow interface, comprising:
If the process flow interface is settlement of insurance claim Processing Interface, and the option type of matching is that slight-folk prescription is damaged without personnel
Hurt accident, then the vehicle damage image is acquired as the accident image by the settlement of insurance claim Processing Interface；
If the process flow interface is that the administration of justice is put on record Processing Interface, put on record the Processing Interface acquisition vehicle by the administration of justice
Damage image and the divisions of responsibility image as the accident image.
4. the vehicle based on image recognition damages processing method as described in claim 1, which is characterized in that described using instruction in advance
It is described to be based on after the step of causality loss model perfected identifies vehicle damage image, obtains causality loss information
The vehicle of image recognition damages processing method further include:
Obtain vehicle maintenance recommendation request；The vehicle maintenance recommendation request includes the way of recommendation and current location；
If the way of recommendation is shortest distance recommendation, third party's navigation interface traversal is called to calculate pre-stored automobile dimension
The position Xiu Chang and the current location obtain object vehicle maintenance factory information, and show object vehicle maintenance factory information；
If the way of recommendation is that popularity is recommended, count pre-stored automobile dimension factory by selection number, obtain popularity
Recommendation tables obtain object vehicle maintenance factory information according to the popularity recommendation tables, and show object vehicle maintenance factory information.
5. the vehicle based on image recognition damages processing method as described in claim 1, which is characterized in that if in the recommendation
Mode is the vehicle damage processing method based on image recognition after the step of popularity is recommended further include:
Whether judgement is described meets preset requirement with option type；
If described meet the preset requirement with option type, the statistics pre-stored Automobile Service Factory is executed
By selection number, the popularity recommendation tables are obtained, obtain object vehicle maintenance factory information according to the popularity recommendation tables
Step；
If described do not meet the preset requirement with option type, third party's navigation interface traversal is called to calculate described pre-
The Automobile Service Factory position and the current location first stored, obtains object vehicle maintenance factory information, and show the mesh
Mark Automobile Service Factory's information.
6. a kind of vehicle based on image recognition damages processing unit characterized by comprising
Accident treatment request module, for obtaining accident treatment request, the accident treatment request includes matching option type
Information is handled with insurance；
Process flow interface calling module, for option type and information is handled in the insurance, called according to described with it is described
The corresponding process flow interface of information is handled with option type and the insurance；
Accident image obtains module, for acquiring corresponding accident image by the process flow interface；The accident image
Including vehicle damage image；
Causality loss data obtaining module damages vehicle using preparatory trained causality loss model for causality loss information
Hurt image to be identified, obtains causality loss information.
7. the vehicle based on image recognition damages processing unit as claimed in claim 6, which is characterized in that the process flow
Processing Interface that interface includes settlement of insurance claim Processing Interface and the administration of justice is put on record；
The process flow interface calling module includes:
First call unit, if for it is described with option type be described slight-folk prescription without personal damage accident, and the insurance
Handling information is to have handled insurance, and obtains first choice instruction, calls settlement of insurance claim corresponding with first choice instruction
Processing Interface or the administration of justice are put on record Processing Interface；
Second call unit, if for it is described with option type be not described slight-folk prescription without personal damage accident, and the guarantor
It is to have handled insurance that information is handled in danger, obtains the second selection instruction, if second selection instruction is settlement of insurance claim process instruction,
Then sequentially the administration of justice is called to put on record Processing Interface and settlement of insurance claim Processing Interface, if second selection instruction is not at settlement of insurance claim
Reason instruction, then call directly the administration of justice and put on record Processing Interface；
Third call unit calls directly the administration of justice and puts on record place if handling information for the insurance is not handle insurance
Manage interface.
8. the vehicle based on image recognition damages processing unit as claimed in claim 7, which is characterized in that the accident image also wraps
Include divisions of responsibility image；
The accident image obtains module
First processing units if being settlement of insurance claim Processing Interface for the process flow interface, and described are with option type
Slightly-folk prescription then acquires the vehicle damage image as institute by the settlement of insurance claim Processing Interface without personal damage accident
State accident image；
The second processing unit is put on record if being that the administration of justice is put on record Processing Interface for the process flow interface by the administration of justice
Processing Interface acquires the vehicle damage image and the divisions of responsibility image as the accident image.
9. a kind of computer equipment, including memory, processor and storage are in the memory and can be in the processor
The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to
The step of vehicle described in 5 any one based on image recognition damages processing method.
10. a kind of non-volatile memory medium, the non-volatile memory medium is stored with computer program, which is characterized in that
It is realized when the computer program is executed by processor at the vehicle damage as described in any one of claim 1 to 5 based on image recognition
The step of reason method.
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| CN201811093264.0A CN109523389A (en) | 2018-09-19 | 2018-09-19 | Vehicle damage processing method, device, equipment and medium based on image recognition |
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| CN201811093264.0A CN109523389A (en) | 2018-09-19 | 2018-09-19 | Vehicle damage processing method, device, equipment and medium based on image recognition |
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