CN109671181A - A kind of automobile data recorder, vehicle insurance Claims Resolution method and vehicle insurance are settled a claim service system - Google Patents
A kind of automobile data recorder, vehicle insurance Claims Resolution method and vehicle insurance are settled a claim service system Download PDFInfo
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- CN109671181A CN109671181A CN201811532407.3A CN201811532407A CN109671181A CN 109671181 A CN109671181 A CN 109671181A CN 201811532407 A CN201811532407 A CN 201811532407A CN 109671181 A CN109671181 A CN 109671181A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C5/00—Registering or indicating the working of vehicles
- G07C5/08—Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
- G07C5/0841—Registering performance data
- G07C5/085—Registering performance data using electronic data carriers
- G07C5/0866—Registering performance data using electronic data carriers the electronic data carrier being a digital video recorder in combination with video camera
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/02—Services making use of location information
- H04W4/025—Services making use of location information using location based information parameters
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/30—Services specially adapted for particular environments, situations or purposes
- H04W4/40—Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P]
- H04W4/44—Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
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Abstract
This application involves vehicle insurance Claims Resolution field more particularly to a kind of automobile data recorder, vehicle insurance Claims Resolution method and vehicle insurance Claims Resolution service system, a kind of automobile data recorders, comprising: accident detection module, communication module, image information acquisition module；The accident detection module is used to obtain the shock detection information of vehicle, and judges whether vehicle occurs accident according to shock detection information, if so, sending accident alarming；Described image information pickup module, for absorbing and storing the image information during driving a vehicle；The communication module, when there is accident alarming in the shock detection module, vehicle insurance information is sent to vehicle insurance service platform, compared with prior art, information transmitting when accident can be occurred in time for vehicle by automobile data recorder provided by the present application, and this information is due to being that the visual angle of accident vehicle provides, the authenticity of information is higher, after vehicle insurance service platform receives newest and most true vehicle insurance information, it is easier to determine Claims Resolution ratio to accident vehicle.
Description
Technical field
This application involves vehicle insurance Claims Resolution field more particularly to a kind of automobile data recorders, vehicle insurance Claims Resolution method and vehicle insurance Claims Resolution
Service system.
Background technique
The very big scope of activities for having widened people of vehicle the most commonly used walking-replacing tool, modern people use the frequency of vehicle
Rate is higher and higher.Most vehicles have also all been insured business insurance kind while insured compulsory insurance for traffic accident of motor-drivenvehicle, when traffic accident occurs
Afterwards, car owner settles a claim to insurance company.Claims Resolution work basic procedure include: report a case to the security authorities, survey setting loss, audit document, review,
Multiple links such as examination & approval, compensation, the process of entire link is cumbersome, and time-consuming.Setting loss link is especially surveyed, vehicle is both related to
It is impaired to reconnoitre, the responsibility distribution of party is further related to, generally requires that the long period is undergone just to can determine that.
Automobile data recorder is a kind of device being mounted on automobile, for recording image and sound in vehicle travel process
Etc. relevant informations.Automobile data recorder generally includes: host, vehicle speed sensor, Data Analysis Software and camera are mounted on automobile
Position between inside rear-view mirror and front windshield.Main application has three: first is that shooting vehicle driving image in real time, is occurring
When pedestrian's malice blackmail, scene provides evidence.Second is that, when traffic accident occurs, being mentioned by the playback recorded a video to vehicle driving
For the foundation in the measurement of penalty and reparation.It is used third is that can be used as common DV shooting.Automobile data recorder in the prior art utilizes
The image that camera absorbs as evidence is used or is made after Data Analysis Software by vehicle driving image or video recording
For entertainment way.
In the case where vehicle occurs traffic accident and is related to vehicle insurance Claims Resolution, the information and not only that is needed due to vehicle insurance Claims Resolution
It is only the image or video recording of vehicle driving.Moreover, the position that accident occurs for vehicle is not often vehicle insurance declaration form when vehicle insurance is settled a claim
The position of signing extends if reconnoitring again to the damage situations of vehicle after being checked and compensates the time, be unfavorable for simultaneously
The promptly and accurately acquisition of damaged vehicle information, further increases the difficulty of Claims Resolution.Currently, being applied to vehicle insurance Claims Resolution not yet
Automobile data recorder.
Summary of the invention
The application provides a kind of automobile data recorder, assert difficulty for solving Claims Resolution ratio caused by vehicle insurance Claims Resolution time-consuming
Technical problem.
The application provides a kind of automobile data recorder, comprising: accident detection module, communication module, image information acquisition module；
The accident detection module is used to obtain the shock detection information of vehicle, and judges vehicle according to shock detection information
Whether accident is occurred, if so, sending accident alarming；
Described image information pickup module, for absorbing and storing the image information during driving a vehicle；
The communication module sends vehicle insurance to vehicle insurance service platform when accident alarming occurs in the shock detection module
Information.
Optionally, including locating module；The locating module is used to obtain the real-time geographical locations information of vehicle；Accordingly
, the vehicle insurance information includes the location information of vehicle.
Optionally, including the shock sensor for detecting the shock detection information；The accident detection module obtains
Vehicle vibration detection information come from the shock sensor.
Optionally, the accident detection module judges whether vehicle occurs the method for accident according to shock detection information are as follows:
By the detected shock value of the shock sensor and predetermined vibration threshold value comparison, if being more than the threshold value, sentence
It is disconnected that accident occurs.
Optionally, including face recognition module, the image information for being absorbed according to described image acquisition module are divided
Analysis, extracts facial image therein and recognition of face, and using the face recognition result as vehicle insurance relevant information
Component part.
Optionally, the image that described image acquisition module is absorbed, the driving including vehicle where the automobile data recorder
The facial image of member；The face recognition module face recognition result obtained includes vehicle where the automobile data recorder
Driver's face recognition result.
Optionally, including vehicle identification module, the image information for being absorbed according to described image acquisition module are divided
Analysis, extracts and identifies vehicle identification to vehicle image therein, and using the testing vehicle register identification result as vehicle insurance
The component part of relevant information.
The application also provides a kind of vehicle insurance Claims Resolution method, includes the following steps:
Receive the vehicle insurance information of accident vehicle, wherein the vehicle insurance information refers to the information from accident vehicle；
The accident vehicle is positioned, centered on the position of the accident vehicle, is obtained and center setting
In distance range, the auxiliary setting loss information of the accident vehicle, wherein the auxiliary setting loss information refers to from other vehicles
Image information；
It is settled a claim according to the vehicle insurance information and the auxiliary setting loss information.
Optionally, the vehicle insurance information include: vehicle identity information, accident vehicle driving information, driver identity information,
Damage situations information.
Optionally, the auxiliary setting loss information includes: accident vehicle damaged part auxiliary information and position damage situations
Assist corrupted information.
Optionally, after the vehicle insurance information for receiving accident vehicle, the method also includes:
Obtain the vehicle insurance declaration form of accident vehicle；
Judge whether the vehicle insurance information of the accident vehicle belongs to the Claims Resolution range of the vehicle insurance declaration form；
Under conditions of meeting Claims Resolution, into the step of being positioned to the accident vehicle.
Optionally, whether the vehicle insurance information for judging the accident vehicle belongs to the Claims Resolution range of the vehicle insurance declaration form extremely
Include: less
The human face image information of the driver of accident vehicle is obtained, and is carried out with car owner's personal information of the vehicle insurance declaration form
Compare, obtains the first comparison result；
The vehicle identity information for obtaining accident vehicle, and is compared with the information of vehicles of the vehicle insurance declaration form, obtains the
Two comparison results；
If first comparison result and second comparison result are to be consistent, further progress other whether belong to
In the judgement of the Claims Resolution range of vehicle insurance declaration form.
Optionally, the human face image information and the vehicle identity information pass through the automobile data recorder of accident vehicle
It obtains.
The application also provides a kind of vehicle insurance Claims Resolution service system, comprising:
Vehicle insurance server, for storing vehicle insurance declaration form；
Respond module, the Claims Resolution for receiving accident vehicle are requested；
Computer is controlled, for issuing scheduling in the case where the Claims Resolution of vehicle request meets the vehicle insurance declaration form
Instruction；
Scheduler module transfers other vehicles in accident vehicle and accident vehicle preset range according to the dispatch command
Driving recording view information；
Claims Resolution module, for settling a claim after analyzing the information.
Optionally, the letter of the driving recording view for transferring other vehicles in accident vehicle and accident vehicle preset range
Breath includes at least: the row of the accident vehicle before the image information and generation accident when accident occurs for accident vehicle in setting time
Sail information.
Optionally, the scheduler module is also used to transfer the phase in the road traffic system of the accident vehicle position
Close image information or driving information.
Optionally, the Claims Resolution module specifically executes following steps:
The vehicle insurance information of accident vehicle in the information is parsed, wherein the vehicle insurance information is for determining Claims Resolution ratio；
Judge whether the vehicle insurance information meets the Claims Resolution range of vehicle insurance declaration form；
When the vehicle insurance information meets the Claims Resolution range of the vehicle insurance declaration form, managed according to the determining Claims Resolution ratio
It pays for.
Optionally, further includes:
It takes photo by plane module, passes to institute for obtaining the damaged image information of accident vehicle, and by the damaged image information
State Claims Resolution module.
Optionally, when the Claims Resolution range for meeting the vehicle insurance declaration form when the vehicle insurance information, according to the determining reason
It includes executing following steps that compensation ratio, which carries out Claims Resolution:
Judge the vehicle insurance information whether and meanwhile meet several vehicle insurance declaration forms；
If so, determining Claims Resolution ratio according to the amount for which loss settled of several vehicle insurance declaration forms.
Optionally, execute judge the vehicle insurance information whether and meanwhile meet after several vehicle insurance declaration forms that also execution is as follows
Step:
Judge whether there is the vehicle insurance declaration form settled a claim to accident vehicle；
If it exists, then Claims Resolution ratio is determined in the range after settling a claim to accident vehicle.
Compared with prior art, one or more technical solutions provided by the embodiments of the present application, have at least the following advantages:
The embodiment of the present application provides a kind of automobile data recorder, comprising: accident detection module, communication module, image information are taken the photograph
Modulus block；The accident detection module is used to obtain the shock detection information of vehicle, and judges vehicle according to shock detection information
Whether accident is occurred, if so, sending accident alarming；Described image information pickup module, drove a vehicle for absorbing and storing
Image information in journey；The communication module is sent out when accident alarming occurs in the shock detection module to vehicle insurance service platform
Send vehicle insurance information.
It is discussed using driving recording provided by the present application, is absorbed by accident detection module, communication module and image information
The cooperation of module, information transmitting when vehicle can to that accident occur in time, and this information due to be accident vehicle view
What angle provided, the authenticity of information is higher.After vehicle insurance service platform receives newest and most true vehicle insurance information, it is easier to
Claims Resolution ratio is determined to accident vehicle.
The application also provides a kind of vehicle insurance Claims Resolution method, by the vehicle insurance information for receiving accident vehicle, wherein the vehicle insurance
Information refers to the information from accident vehicle；The accident vehicle is positioned, centered on the position of the accident vehicle,
It obtains in the distance range set with the center, the auxiliary setting loss information of the accident vehicle, wherein the auxiliary setting loss information
Refer to the image information from other vehicles；It is settled a claim according to the vehicle insurance information and the auxiliary setting loss information.Using
Vehicle insurance Claims Resolution method provided by the present application is more held by the analysis of vehicle insurance information and auxiliary setting loss information to accident vehicle
It is easily accurate to determine that accident vehicle is settled a claim ratio, shorten time, time saving and energy saving of compensation.
The application also provides a kind of vehicle insurance Claims Resolution service system, by vehicle insurance server, for storing vehicle insurance declaration form；Response
Module, the Claims Resolution for receiving accident vehicle are requested；Computer is controlled, meets the vehicle for the Claims Resolution request in the vehicle
In the case where dangerous declaration form, dispatch command is issued；Scheduler module transfers accident vehicle and accident vehicle according to the dispatch command
The information of the driving recording view of other vehicles in preset range；Claims Resolution module, for settling a claim after analyzing the information.It adopts
Settled a claim service system with vehicle insurance provided by the present application, it is easier to it is accurate to determine that accident vehicle is settled a claim ratio, shorten compensation when
Between, it is time saving and energy saving.
Detailed description of the invention
Fig. 1 is the working principle diagram for the automobile data recorder that the application first embodiment provides；
Fig. 2 is the work flow diagram for the automobile data recorder that the application first embodiment provides；
Fig. 3 is the flow chart for the vehicle insurance Claims Resolution method that the application second embodiment provides；
Fig. 4 is the flow chart for the vehicle insurance Claims Resolution method that the application 3rd embodiment provides；
Fig. 5 is the flow chart for the vehicle insurance Claims Resolution method that the application fourth embodiment provides；
Fig. 6 is the working principle diagram of the vehicle insurance Claims Resolution service system of the 5th embodiment of the application；
Fig. 7 is the work flow diagram of the Claims Resolution module in the 5th embodiment of the application.
Specific embodiment
Many details are explained in the following description in order to fully understand the application.But the application can be with
Much it is different from other way described herein to implement, those skilled in the art can be without prejudice to the application intension the case where
Under do similar popularization, therefore the application is not limited by following public specific implementation.
As figures 1 and 2 show that the automobile data recorder that the application first embodiment provides.
Referring to FIG. 1, the application first embodiment provides a kind of automobile data recorder.Illustrate that the driving is remembered below in conjunction with Fig. 1
Record the basic structure of instrument.
The automobile data recorder includes at least: shock detection module 100, image pickup module 200 and communication module 300,
It also may include locating module.Each of the above module may include necessary hardware, and the software matched.
The shock detection module 100 includes: shock sensor, signal conversion unit, comparing unit, processing unit；Its
In, shock sensor is mainly responsible for the vibration for receiving vehicle, and generates vibration signal；Signal conversion unit is mainly responsible for vibration
Vibration signal is converted corresponding shock value by the reception and transformation of signal；Comparing unit, be mainly responsible for by shock value with
Predetermined vibration threshold value comparison, provides judgment basis for processing unit；Processing unit is mainly responsible for sending accident alarming.
Described image acquisition module 200 includes: trigger unit, video camera, filter element, secondary light source and communication unit；
Wherein, trigger unit, when the processing unit issues accident alarming signal, Xiang Suoshu video camera issues trigger signal；Camera shooting
Machine starts to carry out Image Acquisition and storage, and the image information of acquisition is sent to filter element after receiving trigger signal；Filtering
Unit is responsible for filtering out the image information unrelated with accident vehicle, retains pertinent image information；Secondary light source, the low feelings of luminous intensity
Illumination is provided under condition for video camera；Communication unit is responsible for image pickup module and is communicated with communication module.
The communication module 300 is mainly responsible for automobile data recorder and is communicated with vehicle insurance service platform.
The locating module is mainly responsible for the real-time geographical locations information for obtaining vehicle.
The automobile data recorder can also include following module: face recognition module 400 and vehicle identification module 500；On
Module is stated generally by running software realization on the computing device, may also be directlyed adopt dedicated hardware chip certainly and be realized.
The face recognition module, the image information for being absorbed according to described image acquisition module is analyzed, to it
In facial image extract and recognition of face, and using the face recognition result as the composition portion of vehicle insurance relevant information
Point.Optionally, the image that described image acquisition module is absorbed, the people including the driver of vehicle where the automobile data recorder
Face image；The face recognition module face recognition result obtained includes the driver of vehicle where the automobile data recorder
Face recognition result.
The vehicle identification module, the image information for being absorbed according to described image acquisition module is analyzed, to it
In vehicle image extract and identify vehicle identification, and using the testing vehicle register identification result as vehicle insurance relevant information
Component part.
The working principle of above-mentioned automobile data recorder is as follows:
The shock detection information of vehicle is obtained by accident detection module, and whether vehicle is judged according to shock detection information
Generation accident, if so, sending accident alarming；Image information acquisition module, for absorbing and storing the figure during driving a vehicle
As information.Described image information passes through the analysis of the analysis software positioned at automobile data recorder, and the face obtained in image information is known
Other result and testing vehicle register identification are as a result, the damage situations and Claims Resolution duty of traffic accident occur as the determination vehicle
Appoint；By communication module and vehicle insurance service platform communication connection, when accident alarming occurs in the shock detection module, to vehicle insurance
Service platform sends vehicle insurance information, wherein the vehicle insurance information includes the image information that image information acquisition module obtains.Again by
Vehicle insurance service platform matches the vehicle insurance information of acquisition with the policy information of accident vehicle, is determined according to the result after matching
Claims Resolution ratio.
Referring to FIG. 2, the specific workflow of automobile data recorder provided by the embodiments of the present application are as follows:
S100: shock sensor receives the vibration signal of vehicle, and is converted into shock value；
S200: by the detected shock value of the shock sensor and predetermined vibration threshold value comparison, if not surpassing
Cross the threshold value, then this processing terminate；If being more than the threshold value, alarm signal is issued, and start trigger signal；
S300: video camera carries out the acquisition and storage of image information according to trigger signal, and will be with accident by filter element
The unrelated image information filtering of vehicle；
S400: the facial image and vehicle identity information that driver is extracted from filtered image information (such as believe by license plate
The information such as breath, vehicle, color)；
S500: the above- mentioned information extracted are sent to vehicle insurance service platform.
As Fig. 3-Fig. 5 shows vehicle insurance Claims Resolution method provided by the embodiments of the present application.
The general thought for the technical solution that the application second embodiment provides is as follows: the vehicle for accident occurs, accident
Vehicle and other vehicles near it acquire the information about accident vehicle jointly, can be existing from different visual angle restituting accidents
?.If after automobile data recorder configuration is on each vehicle, the relevant information of accident vehicle can be acquired by automobile data recorder.
The automobile data recorder of each car is established with vehicle insurance service platform and is communicated to connect, by the way that the image information of accident vehicle to be sent to
Vehicle insurance service platform verifies specific Claims Resolution ratio to accident vehicle by vehicle insurance service platform.It is time-consuming to solve vehicle insurance Claims Resolution
Caused Claims Resolution ratio assert difficult technical problem.Vehicle insurance service platform receives newest and most true vehicle insurance information
Afterwards, pass through the analysis of vehicle insurance information and auxiliary setting loss information to accident vehicle, it is easier to accurate to determine accident vehicle Claims Resolution
Ratio shortens time, time saving and energy saving of compensation.
The technical solution of the embodiment of the present application is described in detail below:
Referring to FIG. 3, the flow chart of its vehicle insurance Claims Resolution method provided for the application second embodiment.
The application provides a kind of vehicle insurance Claims Resolution method, includes the following steps:
S100: the vehicle insurance information of accident vehicle is received, wherein the vehicle insurance information refers to the information from accident vehicle.
In the embodiment of the present application, the sender of vehicle insurance information is accident vehicle, and the side for receiving vehicle insurance information is Claims Resolution
Side, the usually commercial insurance company of accident vehicle, specifically, vehicle insurance information is sent to vehicle insurance service platform.Vehicle insurance information can
To obtain in several ways, a kind of mode is the automobile data recorder by configuring on accident vehicle, and another way can also be with
Related vehicle insurance information is acquired by mobile terminal by car owner.When the vehicle insurance information that the automobile data recorder obtains includes that accident occurs
Image information, also include accident occur before to accident occur when period in image information.
The vehicle insurance information includes: vehicle identity information, accident vehicle driving information, driver identity information, impaired feelings
Condition information.Specifically, the vehicle identity information refers to the information such as license plate number；The accident vehicle driving information includes: vehicle
Travel speed continuously drives duration, traveling traffic information etc.；The driver identity information includes: the driving age of driver, drives
The human face image information of the person of sailing, contact method etc.；The damage situations information includes: accident vehicle damaged part, impaired portion
Extent of damage and personnel's condition in damaged of position etc..
Referring to FIG. 4, the flow chart of its vehicle insurance Claims Resolution method provided for the application 3rd embodiment.
The vehicle insurance service platform is after the vehicle insurance information for receiving accident vehicle, if the accident vehicle is in the vehicle insurance
Service platform was insured vehicle insurance, then specifically executed following steps:
S110: the vehicle insurance declaration form of accident vehicle is obtained.
S120: judge whether the vehicle insurance information of the accident vehicle belongs to the Claims Resolution range of the vehicle insurance declaration form.
Referring to FIG. 5, the flow chart of its vehicle insurance Claims Resolution method provided for the application fourth embodiment.
The Claims Resolution range whether the vehicle insurance information for judging the accident vehicle belongs to the vehicle insurance declaration form includes at least:
S121: the human face image information of the driver of accident vehicle is obtained, and is believed with the car owner individual of the vehicle insurance declaration form
Breath is compared, and obtains the first comparison result；
S122: the vehicle identity information of accident vehicle is obtained, and is compared with the information of vehicles of the vehicle insurance declaration form, is obtained
Take the second comparison result；
S123: if first comparison result and second comparison result are to be consistent, further progress other
Whether the judgement of the Claims Resolution range of vehicle insurance declaration form is belonged to.
S130: under conditions of meeting Claims Resolution, into the step S200 positioned to the accident vehicle.
S200: positioning the accident vehicle, and centered on the position of the accident vehicle, acquisition is set with the center
In fixed distance range, the auxiliary setting loss information of the accident vehicle, wherein the auxiliary setting loss information refers to from other vehicles
Image information；
In the embodiment of the present application, the accident vehicle is positioned, mainly by the GPS navigation of vehicle itself come real
It is existing, the location information of accident vehicle is sent to vehicle insurance service platform, is opened when mobile terminal navigates in car owner and (uses hand
When machine is navigated), it can also be by the position of locating cellphone, to realize the positioning to vehicle.The position of localized accident vehicle
Afterwards, by the image information of other vehicles within the scope of vehicle insurance service platform scheduling accident vehicle centre distance, wherein described and thing
Therefore the distance range of the setting of the place-centric of vehicle can be 300m, 5000m or 1000 meters, vehicle within this range is excellent
Choosing, by dispatching the image information that wherein vehicle configured with automobile data recorder acquires, by parsing described image information
In relevant to accident vehicle image information as auxiliary setting loss information.
The auxiliary setting loss information that this step obtains reduces vehicle insurance information and adopts its purpose is to supplement the deficiency of vehicle insurance information
The one-sidedness of collection.The auxiliary setting loss information is the information of the related accident vehicle absorbed by other vehicles, can be by other
The automobile data recorder of vehicle carries out information collection.The auxiliary setting loss information include: accident vehicle damaged part auxiliary information with
And position damage situations assist corrupted information.
In addition, the auxiliary setting loss information further include: the relevant information of accident vehicle before accident.
It is illustrated below:
If the image of other vehicles of 500m range is acquired, using A vehicle as the representative of other vehicles, by taking A vehicle as an example
It is described as follows:
Before accident vehicle generation accident, A vehicle is other vehicles near accident vehicle, and A vehicle configuration has driving recording
Instrument, the automobile data recorder take the image information before the accident vehicle generation accident, can mention from described image information
Take out the relevant information with accident vehicle (whether there is or not impaired places for whether intact before such as car accident, accident front of the car).In accident vehicle
After generation accident, A vehicle travel distance is still within the scope of 500m, then the accident vehicle that acquires from A vehicle driving recorder
In image information before generation accident, extracts the auxiliary setting loss with the relevant information of accident vehicle as accident vehicle and believe
Breath.
S300: it is settled a claim according to the vehicle insurance information and the auxiliary setting loss information.
Auxiliary setting loss information of this step by the vehicle insurance information from accident vehicle and from other vehicles can be from
The different visual angle restituting scenes of the accident, it is easier to it is accurate to determine that accident vehicle is settled a claim ratio, shorten time of compensation, time saving province
Power.
As Fig. 6-Fig. 7 shows the vehicle insurance Claims Resolution service system of the 5th embodiment of the application offer.
Referring to FIG. 6, the working principle of vehicle insurance Claims Resolution service system provided by the embodiments of the present application is as follows:
The application stores vehicle insurance declaration form by vehicle insurance server, and wherein vehicle insurance declaration form shows vehicle identity information, insures
People's identity information and the compensation amount of money；Respond module receives the Claims Resolution request of accident vehicle；Computer is controlled in the vehicle
In the case that Claims Resolution request meets the vehicle insurance declaration form, dispatch command is issued；Scheduler module is transferred according to the dispatch command
The information of the driving recording view of other vehicles in accident vehicle and accident vehicle preset range；Claims Resolution module, according to scheduling
Information restore the scene of the accident, analyze the degree that is consistent in the information of scheduling with vehicle insurance declaration form, meet vehicle identity information and
After insurer's identity information, Claims Resolution ratio is determined according to the amount of money is compensated, is settled a claim.
The vehicle insurance Claims Resolution service system includes: vehicle insurance server 100, respond module 200, control computer 300, scheduling
Module 400, Claims Resolution module 500.
The scheduler module, for transferring the driving recording of other vehicles in accident vehicle and accident vehicle preset range
The information of view includes at least: the accident vehicle before the image information and generation accident when accident occurs for accident vehicle in setting time
Driving information.
Wherein, image information when accident occurs for the accident vehicle can be obtained by accident vehicle, can also be passed through
Other vehicles obtain.For example, the human face image information of the image information such as driver obtained by accident vehicle, in order to which determination is
It is no that vehicle is driven by car owner, the identity information of the image information such as accident vehicle obtained by other vehicles (including license plate number,
The damaged image etc. of accident vehicle), so that the approval for vehicle insurance declaration form provides evidence.Described image information is for determining accident vehicle
Damage situations, in order to the determination for ratio of settling a claim in the future.
The driving information of accident vehicle before the generation accident in setting time include: accident vehicle travel speed,
Traffic information etc. is travelled, specific setting time can be the durations such as 5 minutes, 10 minutes before accident.The traveling of accident vehicle is believed
Breath can be by being obtained by the automobile data recorder embedded software of accident vehicle itself, and traveling traffic information can be by accident vehicle
Itself is obtained, and can also be obtained by other vehicles.The driving information of the accident vehicle is for determining that accident occurs for accident vehicle
Attribution of liability, in order to the determination for ratio of settling a claim in the future.
The scheduler module is also used to transfer the associated picture in the road traffic system of the accident vehicle position
Information or driving information.
In the embodiment of the present application, scheduler module can also realize information by being connected to the network with road traffic system
It is shared, convenient for belonging to responsibility to accident vehicle in time, it can also provide the phase between separate sources about accident vehicle image information
Mutually confirmation preferably restores accident vehicle scene, is conducive to carry out vehicle insurance Claims Resolution in time.
The vehicle insurance is settled a claim service system further include: module of taking photo by plane, the module of taking photo by plane, for obtain accident vehicle by
Image information is damaged, and the damaged image information is passed into the Claims Resolution module.
Wherein, the module of taking photo by plane specifically can carry out Image Acquisition by scene of the operation unmanned plane to accident vehicle,
And the damaged image information of accident vehicle is extracted from the image information of acquisition, it is difficult to collect in order to supplement automobile data recorder
Information.It is described to take photo by plane between module and Claims Resolution module through radio transmitting image information, facilitate Claims Resolution module in time to accident
The information of vehicle makes feedback.
Referring to FIG. 7, its work flow diagram for the Claims Resolution module in the 5th embodiment of the application.
The Claims Resolution module specifically executes following steps:
S100: parsing the vehicle insurance information of accident vehicle in the information, wherein the vehicle insurance information is for determining Claims Resolution ratio
Example.
Wherein, the vehicle insurance information include: vehicle identity information, accident vehicle driving information, driver identity information, by
Damage situation information.Specifically, the vehicle identity information refers to the information such as license plate number；The accident vehicle driving information includes:
Vehicle Speed continuously drives duration, traveling traffic information etc.；The driver identity information includes: driving for driver
Age, the human face image information of driver, contact method etc.；The damage situations information include: accident vehicle damaged part, by
Damage the extent of damage and personnel's condition in damaged etc. at position.
S200: judge whether the vehicle insurance information meets the Claims Resolution range of vehicle insurance declaration form.
The Claims Resolution range whether the vehicle insurance information for judging the accident vehicle belongs to the vehicle insurance declaration form includes at least:
S210: the human face image information of the driver of accident vehicle is obtained, and is believed with the car owner individual of the vehicle insurance declaration form
Breath is compared, and obtains the first comparison result；
S220: the vehicle identity information of accident vehicle is obtained, and is compared with the information of vehicles of the vehicle insurance declaration form, is obtained
Take the second comparison result；
S230: if first comparison result and second comparison result are to be consistent, further progress other
Whether the judgement of the Claims Resolution range of vehicle insurance declaration form is belonged to.
S300: when the vehicle insurance information meets the Claims Resolution range of the vehicle insurance declaration form, according to the determining Claims Resolution ratio
It settles a claim.
Specifically, when the Claims Resolution range for meeting the vehicle insurance declaration form when the vehicle insurance information, according to the determining reason
It includes executing following steps that compensation ratio, which carries out Claims Resolution:
S310: judge the vehicle insurance information whether and meanwhile meet several vehicle insurance declaration forms；
Wherein, judge whether the vehicle insurance information meets also to execute after several vehicle insurance declaration forms simultaneously and walk as follows executing
It is rapid:
S311: the vehicle insurance declaration form settled a claim to accident vehicle is judged whether there is；
S312: if it exists, then Claims Resolution ratio is determined in the range after settling a claim to accident vehicle.
S320: if so, determining Claims Resolution ratio according to the amount for which loss settled of several vehicle insurance declaration forms.
Although the application is disclosed as above with preferred embodiment, it is not for limiting the application, any this field skill
Art personnel are not departing from spirit and scope, can make possible variation and modification, therefore the guarantor of the application
Shield range should be subject to the range that the claim of this application defined.
Claims (10)
1. a kind of automobile data recorder characterized by comprising accident detection module, communication module, image information acquisition module；
The accident detection module is used to obtain the shock detection information of vehicle, and whether judges vehicle according to shock detection information
Generation accident, if so, sending accident alarming；
Described image information pickup module, for absorbing and storing the image information during driving a vehicle；
The communication module sends vehicle insurance information to vehicle insurance service platform when accident alarming occurs in the shock detection module.
2. automobile data recorder according to claim 1, which is characterized in that including face recognition module, for according to
The image information of image pickup module intake is analyzed, and is extracted to facial image therein and recognition of face, and will
Component part of the face recognition result as vehicle insurance relevant information.
3. automobile data recorder according to claim 1, which is characterized in that including vehicle identification module, for according to
The image information of image pickup module intake is analyzed, and vehicle image therein is extracted and identified vehicle identification,
And using the testing vehicle register identification result as the component part of vehicle insurance relevant information.
A kind of method 4. vehicle insurance is settled a claim, which comprises the steps of:
Receive the vehicle insurance information of accident vehicle, wherein the vehicle insurance information refers to the information from accident vehicle；
The accident vehicle is positioned, centered on the position of the accident vehicle, is obtained at a distance from the setting of the center
In range, the auxiliary setting loss information of the accident vehicle, wherein the auxiliary setting loss information refers to the image from other vehicles
Information；
It is settled a claim according to the vehicle insurance information and the auxiliary setting loss information.
The method 5. vehicle insurance according to claim 4 is settled a claim, which is characterized in that the vehicle insurance information for receiving accident vehicle it
Afterwards, the method also includes:
Obtain the vehicle insurance declaration form of accident vehicle；
Judge whether the vehicle insurance information of the accident vehicle belongs to the Claims Resolution range of the vehicle insurance declaration form；
Under conditions of meeting Claims Resolution, into the step of being positioned to the accident vehicle.
The service system 6. a kind of vehicle insurance is settled a claim characterized by comprising
Vehicle insurance server, for storing vehicle insurance declaration form；
Respond module, the Claims Resolution for receiving accident vehicle are requested；
Computer is controlled, for issuing dispatch command in the case where the Claims Resolution of vehicle request meets the vehicle insurance declaration form；
Scheduler module transfers the row of other vehicles in accident vehicle and accident vehicle preset range according to the dispatch command
The information of vehicle record view；
Claims Resolution module, for settling a claim after analyzing the information.
The service system 7. vehicle insurance according to claim 6 is settled a claim, which is characterized in that described to transfer accident vehicle and accident
The information of the driving recording view of other vehicles includes at least in vehicle preset range: image information when accident occurs for accident vehicle
And the driving information of the accident vehicle before generation accident in setting time.
The service system 8. vehicle insurance according to claim 6 is settled a claim, which is characterized in that the scheduler module is also used to transfer institute
State the pertinent image information or driving information in the road traffic system of accident vehicle position.
The service system 9. vehicle insurance according to claim 6 is settled a claim, which is characterized in that the Claims Resolution module specifically executes as follows
Step:
The vehicle insurance information of accident vehicle in the information is parsed, wherein the vehicle insurance information is for determining Claims Resolution ratio；
Judge whether the vehicle insurance information meets the Claims Resolution range of vehicle insurance declaration form；
When the vehicle insurance information meets the Claims Resolution range of the vehicle insurance declaration form, settled a claim according to the determining Claims Resolution ratio.
The service system 10. vehicle insurance according to claim 6 is settled a claim, which is characterized in that further include:
It takes photo by plane module, passes to the reason for obtaining the damaged image information of accident vehicle, and by the damaged image information
Pay for module.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910870841.0A CN110782356A (en) | 2018-12-14 | 2018-12-14 | Vehicle insurance claim settlement method and vehicle insurance claim settlement service system |
| CN201811532407.3A CN109671181A (en) | 2018-12-14 | 2018-12-14 | A kind of automobile data recorder, vehicle insurance Claims Resolution method and vehicle insurance are settled a claim service system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811532407.3A CN109671181A (en) | 2018-12-14 | 2018-12-14 | A kind of automobile data recorder, vehicle insurance Claims Resolution method and vehicle insurance are settled a claim service system |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201910870841.0A Division CN110782356A (en) | 2018-12-14 | 2018-12-14 | Vehicle insurance claim settlement method and vehicle insurance claim settlement service system |
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| CN109671181A true CN109671181A (en) | 2019-04-23 |
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| CN201811532407.3A Pending CN109671181A (en) | 2018-12-14 | 2018-12-14 | A kind of automobile data recorder, vehicle insurance Claims Resolution method and vehicle insurance are settled a claim service system |
| CN201910870841.0A Pending CN110782356A (en) | 2018-12-14 | 2018-12-14 | Vehicle insurance claim settlement method and vehicle insurance claim settlement service system |
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| CN201910870841.0A Pending CN110782356A (en) | 2018-12-14 | 2018-12-14 | Vehicle insurance claim settlement method and vehicle insurance claim settlement service system |
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| CN110837576A (en) * | 2019-11-18 | 2020-02-25 | 英业达科技有限公司 | Traffic accident driving recording image collecting system and method thereof |
| CN111917873A (en) * | 2020-07-31 | 2020-11-10 | 中国建设银行股份有限公司 | Accident processing system, method, device, terminal and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111461901B (en) * | 2020-03-31 | 2023-05-12 | 德联易控科技(北京)有限公司 | Method and device for outputting vehicle insurance claim information |
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| CN110782356A (en) | 2020-02-11 |
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Application publication date: 20190423 |