CN110706115A - Traffic accident fast claims settlement method, system and server - Google Patents
Traffic accident fast claims settlement method, system and server Download PDFInfo
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- CN110706115A CN110706115A CN201810744495.7A CN201810744495A CN110706115A CN 110706115 A CN110706115 A CN 110706115A CN 201810744495 A CN201810744495 A CN 201810744495A CN 110706115 A CN110706115 A CN 110706115A
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- 206010039203 Road traffic accident Diseases 0.000 title claims abstract description 66
- 238000000034 method Methods 0.000 title claims abstract description 56
- 238000012544 monitoring process Methods 0.000 claims abstract description 9
- 230000000295 complement effect Effects 0.000 claims description 15
- 239000000463 material Substances 0.000 description 3
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Abstract
The invention discloses a traffic accident rapid claim settlement method, a system and a server, wherein the traffic accident rapid claim settlement method comprises the following steps: receiving an accident video image of vehicle collision; determining accident responsibility and claim settlement information according to the accident video image; monitoring a video image of the whole vehicle body within a range of 360 degrees by using a plurality of cameras arranged on the periphery outside the vehicle body; identifying accident video images of vehicle collision in the video images monitored by any one camera; intercepting and storing an accident video image; and uploading the saved accident video image to a server. According to the invention, the video images of the 360-degree range of the whole vehicle body are monitored by the plurality of cameras arranged on the periphery outside the vehicle body, the accident video images are automatically monitored and identified when the vehicle is collided carelessly, and are uploaded to a server of an insurance company, the field video of claim settlement is recorded in the whole process, a traffic police does not need to arrive at the field, the accident vehicle can rapidly leave the road, and the road is ensured to be smooth.
Description
Technical Field
The invention relates to the technical field of vehicle safety, in particular to a method and a system for quickly settling claims in a traffic accident and a server.
Background
With the increase of road vehicles, the traffic accidents of the vehicles are more and more. If traffic accidents happen to vehicles on the road, the general flow is that a call needs to be made to give an alarm, then an insurance company applies for claim settlement after the traffic police deal with the traffic accidents, the insurance claim settlement is too troublesome and has multiple procedures, and the traffic accidents need to be dealt with by the traffic police, so that traffic jam is easily caused.
Therefore, in the prior art, when a vehicle accident happens, the intelligent degree is low, a large amount of manpower and material resources are wasted, and traffic jam is easily caused.
Disclosure of Invention
In view of the above drawbacks of the prior art, an object of the present invention is to provide a method, a system and a server for fast claims settlement of a traffic accident, which are used to solve the problems of low intelligence and waste of manpower and material resources in automatic traffic accident handling in the prior art.
In order to achieve the above objects and other related objects, the present invention provides a traffic accident rapid claims settlement method, including: receiving an accident video image of vehicle collision; and determining accident responsibility and claim settlement information according to the accident video image.
In an embodiment of the present invention, the method for rapidly claiming a claim for a traffic accident further includes: and receiving accident complement images of the same time period of vehicle collision, and determining accident responsibility and claim settlement information according to the accident complement images and the accident video images.
In an embodiment of the present invention, the method for rapidly claiming a claim for a traffic accident further includes: and updating the feedback claim settlement progress information in real time.
An embodiment of the present invention further provides a server, which includes a processor and a memory, where the memory stores program instructions, and the processor executes the program instructions to implement the method for quickly claiming a traffic accident as described above.
The embodiment of the invention also provides a traffic accident rapid claims settlement method, which comprises the following steps: monitoring a video image of the whole vehicle body within a range of 360 degrees by using a plurality of cameras arranged on the periphery outside the vehicle body; identifying accident video images of vehicle collision in the video images monitored by any one camera; intercepting and storing an accident video image; and uploading the saved accident video image to the server.
In an embodiment of the present invention, the method for rapidly claiming a claim for a traffic accident further includes: and reminding after the accident video image is stored or uploaded to the server. Claim progress information is received and displayed from the server.
In an embodiment of the present invention, the method for rapidly claiming a claim for a traffic accident further includes: when the accident video image with the vehicle collision is identified, the video images in the same time period are obtained from other cameras to serve as accident complementary images, and the accident complementary images are uploaded to the server.
The embodiment of the invention provides a traffic accident rapid claim settlement system, which is characterized by comprising the following components: a plurality of cameras, a vehicle-mounted terminal, and the server as described above; the cameras are arranged on the periphery outside the vehicle body and used for monitoring video images within a range of 360 degrees around the vehicle body; the vehicle-mounted terminal respectively with a plurality of the camera links to each other, and is from a plurality of video image is acquireed to the camera, includes: the image identification module is used for identifying accident video images of vehicle collision in the video images monitored by any one camera; the image intercepting module intercepts and stores the accident video image; and the reporting module is connected with a server for insurance claim settlement and uploads the stored accident video image to the server.
In an embodiment of the present invention, the vehicle-mounted terminal further includes: the reminding module is used for reminding after the accident video image is stored or uploaded to the server; and the progress viewing module is connected with the server and used for receiving and displaying the claim settlement progress information from the server.
In an embodiment of the present invention, the vehicle-mounted terminal further includes: and the image complementing module is used for acquiring video images in the same time period from other cameras as accident complementing images when the accident video images with vehicle collision are identified, and uploading the accident complementing images to the server through the reporting module.
As described above, the traffic accident fast claims settlement method, system and server of the present invention have the following beneficial effects:
1. the video images of the 360-degree range of the whole vehicle body are monitored by the plurality of cameras arranged on the periphery outside the vehicle body, the accident video images are automatically monitored and identified when the vehicle is collided carelessly, and are uploaded to a server of an insurance company, the filed video of claim settlement is recorded in the whole process, a traffic police is not required to arrive at the field, the accident vehicle can rapidly leave the road, the road smoothness is ensured, and the server of the insurance company automatically determines accident responsibility and claim settlement information according to the uploaded accident video images.
2. The method is simple and efficient, and has strong universality and practicability.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic flow chart of the method for visually collecting a rapid claim for a traffic accident on a traffic accident scene according to the present invention.
Fig. 2 is a schematic flow chart of the method for rapidly collecting the claims of the traffic accident on the scene of the traffic accident according to the present invention.
Fig. 3 is a schematic flow chart of the method for rapidly collecting the claims of the traffic accident on the scene of the traffic accident according to the present invention.
Fig. 4 is a schematic flow chart illustrating a method for visually collecting a rapid claims for a traffic accident at a server-side traffic accident scene according to the present invention.
Fig. 5 is a schematic flow chart of a preferred method for collecting traffic accident fast claims at a server-side traffic accident scene according to the present invention.
Fig. 6 is a schematic block diagram of the fast traffic accident claim settlement system of the present invention.
Fig. 7 is a schematic block diagram of the traffic accident quick claims settlement system of the present invention.
Description of the element reference numerals
100 quick settlement system for traffic accident
110 pick-up head
120 vehicle-mounted terminal
121 image recognition module
122 image interception module
123 reporting module
124 reminding module
125 progress viewing module
126 image complement module
200 server
S110 to S160
S210 to S240
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.
The embodiment provides a method and a system for rapidly settling claims of a traffic accident and a server, which are used for solving the problems of low intelligence and waste of manpower and material resources in automatic traffic accident processing in the prior art.
The principles and embodiments of a traffic accident quick claims method, a system and a server of the present invention will be described in detail below, so that those skilled in the art can understand the traffic accident quick claims method, the system and the server without creative labor.
As shown in fig. 1, an embodiment of the present invention further provides a method for quickly claiming a traffic accident, where the method for quickly claiming a traffic accident includes the following steps:
step S110, monitoring video images of the whole vehicle body within a range of 360 degrees by using a plurality of cameras arranged on the periphery outside the vehicle body;
step S120, recognizing that an accident video image of vehicle collision exists in the video images monitored by any one camera;
step S130, intercepting and storing an accident video image;
and step S140, uploading the saved accident video image to a server for insurance claim settlement.
The following describes steps S110 to S140 of the method for rapidly claiming a traffic accident in this embodiment in detail.
And step S110, monitoring a video image of the whole vehicle body within a 360-degree range by using a plurality of cameras arranged on the periphery outside the vehicle body.
The cameras are arranged on the periphery outside the vehicle body to monitor the video images within the range of 360 degrees around the vehicle body.
In this embodiment, each camera is preferably a wide-angle camera, and works continuously for the distance between the surrounding vehicle and the host vehicle and whether the vehicle collides.
In one embodiment, the number of the cameras is six, and the cameras are mounted on one left front end, one right front end, one left side vehicle body, one right side vehicle body, one left rear end and one right rear end of the vehicle.
Therefore, monitoring cameras are arranged on the periphery of the vehicle body, and collision images can be acquired when the vehicle collides in any direction.
In addition, video images of different visual angles around the vehicle can be further acquired through a vehicle recorder and/or a multimedia rearview mirror in the vehicle.
And step S120, identifying that the video images monitored by any camera have accident video images of vehicle collision.
And step S130, intercepting and storing the accident video image.
The intercepting and storing of the accident video image specifically comprises the following steps: and intercepting and storing accident video images between preset time periods before and after the vehicle collision.
For example, a 2 minute video image of the vehicle before and after the crash is automatically captured and saved.
In addition, in this embodiment, videos in each camera may be played through the vehicle, an image capturing instruction is generated by triggering a virtual or entity control key, and an accident video image is captured and stored according to the image capturing instruction.
And step S140, uploading the saved accident video image to a server for insurance claim settlement.
In this embodiment, the method for rapidly claiming a claim for a traffic accident further includes: when the accident video image with the vehicle collision is identified, the video images in the same time period are obtained from other cameras to serve as accident complementary images, and the accident complementary images are uploaded to the server. So as to better determine the accident reason, the accident responsibility and the claim settlement affairs.
The server stores the accident video image and the accident complement image as important post-event claim settlement evidence without field traffic police treatment.
In this embodiment, as shown in fig. 2, the method for rapidly settling a claim for a traffic accident further includes: and S150, reminding after the accident video image is stored or uploaded to the server.
Wherein, the reminding can be performed through voice or words.
For example, the vehicle is accidentally collided by a vehicle behind, and the car machine is reminded by voice: the vehicle accident process is automatically recorded, and the vehicle is asked to leave the scene with confidence.
Therefore, in the embodiment, the video of the accident scene of claim settlement is recorded in the whole process, traffic police can not arrive at the scene, the accident vehicle can rapidly drive away from the road, and the road smoothness is ensured.
In this embodiment, as shown in fig. 3, the method for rapidly settling a claim for a traffic accident further includes: and receiving and displaying the claim settlement progress information from the server, and timely knowing the claim settlement progress by the vehicle owner.
As shown in fig. 4, the embodiment further provides a traffic accident rapid claims settlement method applied to the server, where the traffic accident rapid claims settlement method includes:
step S210, receiving an accident video image of vehicle collision;
and step S220, determining accident responsibility and claim settlement information according to the accident video image.
That is, in this embodiment, the server of the insurance company acquires the uploaded accident video through the vehicle-mounted camera, and performs responsibility analysis and claim settlement. For example, in combination with bus data of the vehicle getting on, responsibility for settlement of a claim and maintenance cost of the user can be analyzed.
In this embodiment, as shown in fig. 5, the method for rapidly settling a claim for a traffic accident further includes: and step S230, receiving an accident complement image of the vehicle collision in the same time period, and determining accident responsibility and claim settlement information according to the accident complement image and the accident video image. In addition, the server can also simultaneously analyze accident video images of surrounding vehicles at the same time to serve as auxiliary accident evidences.
In this embodiment, as shown in fig. 5, the method for rapidly settling a claim for a traffic accident further includes: and step S240, updating the feedback claim settlement progress information in real time.
In addition, the accurate driving track of the vehicle can be analyzed simultaneously and used as an auxiliary accident evidence.
The server in an embodiment of the present invention includes a processor and a memory, the memory storing program instructions, the processor executing the program instructions to implement the rapid traffic accident claims settlement method as shown in fig. 4 and 5 above. The above method for rapidly claiming the claims of the traffic accident is not described in detail.
As shown in fig. 6, the present embodiment provides a traffic accident rapid claims settlement system 100, where the traffic accident rapid claims settlement system 100 includes: a plurality of cameras 110 and a vehicle-mounted terminal 120.
The plurality of cameras 110 are installed around the outside of the vehicle body to monitor the video images of the vehicle in a 360-degree range around the vehicle body.
In the present embodiment, each camera 110 is preferably a wide-angle camera 110, which is continuously operated for the distance between the surrounding vehicle and the host vehicle and whether the vehicle collides.
In one embodiment, six cameras 110 are installed at one front left end, one front right end, one left side body, one right side body, one left rear and one right rear of the vehicle.
Thus, the monitoring cameras 110 are arranged on the periphery of the vehicle body, and the collision images can be collected when the vehicle collides in any direction.
In addition, video images of different visual angles around the vehicle can be further acquired through a vehicle recorder and/or a multimedia rearview mirror in the vehicle.
In this embodiment, the vehicle-mounted terminal 120 is respectively connected to the plurality of cameras 110 to obtain video images from the plurality of cameras 110, and may also be simultaneously connected to a driving recorder and/or a multimedia rearview mirror to obtain video images from the driving recorder and/or the multimedia rearview mirror.
In this embodiment, the vehicle-mounted terminal 120 is a car machine or a vehicle-mounted T-box, and the car machine or the vehicle-mounted T-box is connected to the server 200 for insurance claims at the background of the insurance company through the internet of vehicles.
Specifically, in this embodiment, as shown in fig. 1, the vehicle-mounted terminal 120 at least includes: an image identification module 121, an image interception module 122 and a reporting module 123.
In this embodiment, the image recognition module 121 recognizes an accident video image in which a vehicle collision exists in the video images monitored by any one of the cameras 110.
In this embodiment, the image capturing module 122 captures and stores the accident video image.
Wherein, the image capturing module 122 captures and stores the accident video image between the preset time periods before and after the vehicle collision.
For example, the image recognition module 121 recognizes that the vehicle is collided, and the image capture module 122 automatically captures and stores a 2-minute video image of the vehicle before and after the collision.
In addition, in this embodiment, the video in each camera 110 may be played by the car machine, an image capturing instruction is generated by triggering a virtual or entity control key, and the image capturing module 122 captures and stores the accident video image according to the image capturing instruction.
In this embodiment, the reporting module 123 is connected to a server 200 for insurance claims, and uploads the saved accident video image to the server 200.
In this embodiment, as shown in fig. 7, the vehicle-mounted terminal 120 further includes: the image complementing module 126 is configured to, when it is identified that there is an accident video image of a vehicle collision, acquire video images in the same time period from other cameras 110 as an accident complementing image, and upload the accident complementing image to the server 200 through the reporting module 123, so as to better determine a reason for the accident, an accident responsibility and a claim settlement matter.
The server 200 saves the accident video image and the accident complement image as important post-event claim evidence without the need for on-site traffic police processing.
As shown in fig. 7, the in-vehicle terminal 120 further includes: and a reminding module 124, configured to remind a user after the accident video image is saved or uploaded to the server 200.
Wherein, the reminding can be performed through voice or words.
For example, the vehicle is accidentally collided by a vehicle behind, and the car machine is reminded by voice: the vehicle accident process is automatically recorded, and the vehicle is asked to leave the scene with confidence.
Therefore, in the embodiment, the video of the accident scene of claim settlement is recorded in the whole process, traffic police can not arrive at the scene, the accident vehicle can rapidly drive away from the road, and the road smoothness is ensured.
In this embodiment, the vehicle-mounted terminal 120 further includes: and the progress viewing module 125 is connected with the server 200 and is used for receiving and displaying the claim settlement progress information from the server 200, so that the vehicle owner can conveniently know the claim settlement progress in time.
The server 200 receives accident video images of vehicle collisions, and determines accident responsibility and claim settlement information according to the accident video images.
In this embodiment, the server 200 of the insurance company acquires the uploaded accident video through the vehicle-mounted camera 110, and performs responsibility analysis and claim settlement. For example, in combination with bus data of the vehicle getting on, responsibility for settlement of a claim and maintenance cost of the user can be analyzed.
In this embodiment, the server 200 receives the accident supplementary image of the vehicle collision in the same time period, and determines accident responsibility and claim settlement information according to the accident supplementary image and the accident video image. In addition, the server 200 may also simultaneously analyze accident video images of surrounding vehicles at the same time as auxiliary accident evidence, and the server 200 may also simultaneously analyze an accurate driving track of the vehicle for use as the auxiliary accident evidence.
The server 200 also updates and feeds back the claim progress information in real time, and feeds back the claim progress information to the vehicle machine for display, so that a user can know the claim progress conveniently.
In conclusion, the video images of the whole vehicle body within the range of 360 degrees are monitored by the plurality of cameras 110 arranged on the periphery outside the vehicle body, the vehicle collides carelessly, the accident video images are automatically monitored and identified and uploaded to the server 200 of the insurance company, the field video of claim settlement is recorded in the whole process, a traffic police is not required to arrive at the scene, the accident vehicle can leave the road quickly, the road smoothness is ensured, and the server of the insurance company automatically determines accident responsibility and claim settlement information according to the uploaded accident video images; the method is simple and efficient, and has strong universality and practicability. Therefore, the invention effectively overcomes various defects in the prior art and has high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.
Claims (10)
1. A traffic accident rapid claims settlement method is characterized by comprising the following steps:
receiving an accident video image of vehicle collision;
and determining accident responsibility and claim settlement information according to the accident video image.
2. The method for rapidly claiming a traffic accident according to claim 1, wherein: the traffic accident rapid claims settlement method further comprises the following steps:
and receiving accident complement images of the same time period of vehicle collision, and determining accident responsibility and claim settlement information according to the accident complement images and the accident video images.
3. The method for rapidly claiming a traffic accident according to claim 1, wherein: the traffic accident rapid claims settlement method further comprises the following steps:
and updating the feedback claim settlement progress information in real time.
4. A server comprising a processor and a memory, the memory storing program instructions, wherein the processor executes the program instructions to implement the method for rapid claims settlement of traffic accidents as claimed in any one of claims 1 to 3.
5. A traffic accident fast claims settlement method is characterized in that: the traffic accident rapid claims settlement method comprises the following steps:
monitoring a video image of the whole vehicle body within a range of 360 degrees by using a plurality of cameras arranged on the periphery outside the vehicle body;
identifying accident video images of vehicle collision in the video images monitored by any one camera;
intercepting and storing an accident video image;
uploading the saved incident video image to the server of claim 4.
6. The method for rapidly claiming a traffic accident according to claim 5, wherein: the traffic accident rapid claims settlement method further comprises the following steps:
reminding after the accident video image is stored or uploaded to the server;
claim progress information is received and displayed from the server.
7. The method for rapidly claiming a traffic accident according to claim 6, wherein: the traffic accident rapid claims settlement method further comprises the following steps:
when the accident video image with the vehicle collision is identified, the video images in the same time period are obtained from other cameras to serve as accident complementary images, and the accident complementary images are uploaded to the server.
8. A traffic accident rapid claims settlement system, comprising: a plurality of cameras, a vehicle-mounted terminal, and the server of claim 4;
the cameras are arranged on the periphery outside the vehicle body and used for monitoring video images within a range of 360 degrees around the vehicle body;
the vehicle-mounted terminal respectively with a plurality of the camera links to each other, and is from a plurality of video image is acquireed to the camera, includes:
the image identification module is used for identifying accident video images of vehicle collision in the video images monitored by any one camera;
the image intercepting module intercepts and stores the accident video image;
and the reporting module is connected with a server for insurance claim settlement and uploads the stored accident video image to the server.
9. The traffic accident rapid claims settlement system of claim 8, wherein: the vehicle-mounted terminal further includes:
and the reminding module is used for reminding after the accident video image is stored or uploaded to the server.
And the progress viewing module is connected with the server and used for receiving and displaying the claim settlement progress information from the server.
10. The traffic accident rapid claims settlement system of claim 8, wherein: the vehicle-mounted terminal further includes: and the image complementing module is used for acquiring video images in the same time period from other cameras as accident complementing images when the accident video images with vehicle collision are identified, and uploading the accident complementing images to the server through the reporting module.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810744495.7A CN110706115A (en) | 2018-07-09 | 2018-07-09 | Traffic accident fast claims settlement method, system and server |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810744495.7A CN110706115A (en) | 2018-07-09 | 2018-07-09 | Traffic accident fast claims settlement method, system and server |
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| CN110706115A true CN110706115A (en) | 2020-01-17 |
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| CN201810744495.7A Pending CN110706115A (en) | 2018-07-09 | 2018-07-09 | Traffic accident fast claims settlement method, system and server |
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| CN112562361A (en) * | 2020-11-30 | 2021-03-26 | 重庆电子工程职业学院 | Traffic signal lamp control method and system for smart city |
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Application publication date: 20200117 |