CN110826550B

CN110826550B - Target vehicle information verification method, device, equipment and storage medium

Info

Publication number: CN110826550B
Application number: CN201911067450.1A
Authority: CN
Inventors: 梁娜
Original assignee: Taikang Insurance Group Co Ltd; Taikang Online Property Insurance Co Ltd
Current assignee: Taikang Insurance Group Co Ltd; Taikang Online Property Insurance Co Ltd
Priority date: 2019-11-04
Filing date: 2019-11-04
Publication date: 2022-08-16
Anticipated expiration: 2039-11-04
Also published as: CN110826550A

Abstract

The embodiment of the invention provides a method, a device, equipment and a storage medium for checking target vehicle information, wherein the method comprises the following steps: receiving initial information of a target vehicle; sending a first verification request to a first preset terminal; receiving the first verification information fed back by the first preset terminal; if the first check information is prompt information that the initial information of the target vehicle is wrong, sending a second check request to a second preset terminal; receiving the second check information fed back by the second preset terminal; and if the second check-up information is at least one piece of associated information associated with the initial information of the target vehicle, determining target information matched with the initial information of the target vehicle from the at least one piece of associated information. The method provided by the embodiment can realize automatic verification of the vehicle information of the three vehicles, and further avoid that the subsequent claim settlement process cannot be executed in time.

Description

Target vehicle information verification method, device and equipment and storage medium

Technical Field

The embodiment of the invention relates to the technical field of insurance, in particular to a target vehicle information verification method, device, equipment and storage medium.

Background

With the development of science and technology and economy, the insurance industry is getting larger and larger, and various insurance widely appears in the lives of people. Among them, the related problems related to vehicle insurance claims are also drawing more and more attention from insureds.

At present, all links of the whole process of vehicle insurance claim settlement need to carry out information interaction with a vehicle insurance industry platform, and the vehicle insurance industry platform requires an insurance company to provide all vehicle information involved in the claim settlement case and requires that all the vehicle information must be real and correct. In order to realize quick claim settlement and save claim settlement resources, insurance companies generally do not send surveyors to perform on-site survey, but adopt a vehicle owner self-service survey mode.

Although insurance companies provide relevant tools for car owners to assist car owners to complete self-help survey conveniently and quickly, the situations that car owners record field information inaccurately and field photos are fuzzy can still occur frequently, so that when a claim settlement platform for car insurance claim settlement in subsequent surveying and damage fixing links interacts with a car insurance industry platform, the claim settlement platform reports errors due to errors in information entry of three cars (cars except the car), and a claim settlement flow cannot be further promoted. In this case, the car owner needs to contact the three car owners to obtain the relevant vehicle information by an offline method, and then enters the claim settlement platform to modify the information, and then enters the claim settlement process. Therefore, automatic verification of the vehicle information of the three vehicles cannot be realized in the prior art, and further the subsequent claim settlement process cannot be executed in time.

Disclosure of Invention

The embodiment of the invention provides a method, a device, equipment and a storage medium for verifying target vehicle information, which aim to solve the problem that automatic verification of vehicle information of the three vehicles cannot be realized in the prior art, so that a subsequent claim settlement process cannot be executed in time.

In a first aspect, an embodiment of the present invention provides a target vehicle information verification method, including:

receiving initial information of a target vehicle, wherein the initial information of the target vehicle is used for representing information of three vehicles to be verified in a vehicle insurance claim case;

sending a first verification request to a first preset terminal so that the first preset terminal responds to the first verification request and feeds back first verification information;

receiving the first check information fed back by the first preset terminal;

if the first check information is prompt information that the initial information of the target vehicle is wrong, sending a second check request to a second preset terminal so that the second preset terminal responds to the second check request and feeds back second check information;

receiving the second check information fed back by the second preset terminal;

and if the second check-up information is at least one piece of associated information associated with the initial information of the target vehicle, determining target information matched with the initial information of the target vehicle from the at least one piece of associated information, wherein the target information is actual information of the target vehicle successfully checked by the three vehicles.

Optionally, the target vehicle initial information includes a first license plate number, a first engine number, and a first frame number of the target vehicle;

the sending a second check-up request to a second preset terminal so that the second preset terminal responds to the second check-up request and feeds back second check-up information includes:

sending a second check request to a second preset terminal so that the second preset terminal returns a verification code according to the second check request;

receiving the verification code returned by the second preset terminal;

identifying the verification code to obtain the authority of data communication with the second preset terminal;

indicating a second preset terminal to search matching information matched with at least one of the first license plate number, the first engine number and the first frame number from a vehicle information database provided by a traffic management terminal, so that the second preset terminal feeds back the matching information;

and taking the matching information as the second checking information, wherein the second checking information is prompt information which is not matched with the vehicle information provided by the traffic management terminal or at least one piece of associated information associated with the initial information of the target vehicle.

Optionally, the verification code is a picture;

the identifying the verification code to obtain the authority of data communication with the second preset terminal includes:

removing noise points and interference lines in the picture to obtain a first image;

cutting the first image along the outline of each character in the characters on the first image to obtain a multi-frame second image;

on the basis of a picture library, comparing each first pixel point in each frame of second image with each second pixel point of each frame of preset image stored in the picture library to obtain each target image respectively matched with each second image, wherein one frame of second image corresponds to one frame of target image, and the picture library is obtained by performing machine learning training on multiple frames of historical images;

splicing all target images to obtain spliced image verification codes;

and if the spliced image verification code is successfully verified, acquiring the authority of data communication with the second preset terminal.

Optionally, the determining target information matching the target vehicle initial information from the at least one piece of associated information includes:

if the number of the at least one piece of associated information is one, taking the second check-up information as the target information;

if the number of the at least one piece of associated information is multiple, determining whether first associated information which is consistent with the first license plate number, the first engine number and the first frame number exists in the at least one piece of associated information;

if the first associated information exists, taking the first associated information as the target information;

if the first associated information does not exist, determining whether second associated information which is consistent with any two of the first license plate number, the first engine number and the first frame number exists in the at least one piece of associated information;

and if the second associated information exists, taking the second associated information as the target information.

Optionally, the determining, from the at least one piece of associated information, target information that matches the target vehicle initial information further includes:

if the second correlation information does not exist, acquiring a target vehicle driving license image in the claim case;

analyzing the target vehicle driving license image to obtain target vehicle driving license information, wherein the target vehicle driving license information comprises a second license plate number, a second engine number and a second frame number of the target vehicle;

and if third associated information which is consistent with at least two of the second license plate number, the second engine number and the second frame number exists in the at least one piece of associated information, taking the third associated information as the target information.

if third associated information which is consistent with at least two of the second license plate number, the second engine number and the second frame number does not exist in the at least one piece of associated information, comparing the second license plate number, the second engine number and the second frame number with each piece of associated information in the at least one piece of associated information respectively to obtain a first matching number and a first unmatched matching degree of the second license plate number and the at least one piece of associated information, a second matching number and a second unmatched matching degree of the second engine number and the at least one piece of associated information, and a third matching number and a third unmatched matching degree of the second frame number and the at least one piece of associated information;

determining the target information according to the first matching number, the second matching number, the third matching number, the first matching degree, the second matching degree and the third matching degree;

the number of the first matching degree, the number of the second matching degree and the number of the third matching degree are all at least one, the first matching degree is used for representing the character length ratio of the license plate number, the second matching degree is used for representing the character length ratio of the engine number, and the third matching degree is used for representing the character length ratio of the frame number.

Optionally, before the receiving the initial information of the target vehicle, the method further includes:

and pushing an input interface of the initial information of the target vehicle to the client so that the client of the client inputs the initial information of the target vehicle to the input interface.

Optionally, after determining the target information matching the target vehicle initial information from the at least one piece of associated information, the method further includes:

storing and displaying the target information;

and executing the claim settlement operation according to the target information.

In a second aspect, an embodiment of the present invention provides a target vehicle information verification apparatus, including:

the system comprises an initial information receiving module, a verification module and a verification module, wherein the initial information receiving module is used for receiving initial information of a target vehicle, and the initial information of the target vehicle is used for representing information of three vehicles to be verified in a vehicle insurance claim settlement case;

the first verification request sending module is used for sending a first verification request to a first preset terminal so that the first preset terminal responds to the first verification request and feeds back first verification information;

the first verification information receiving module is used for receiving the first verification information fed back by the first preset terminal;

the second checking request sending module is used for sending a second checking request to a second preset terminal when the first checking information is the prompt information that the initial information of the target vehicle is wrong, so that the second preset terminal responds to the second checking request and feeds back second checking information;

the second check information receiving module is used for receiving the second check information fed back by the second preset terminal;

and the target information determining module is used for determining target information matched with the initial information of the target vehicle from at least one piece of associated information when the second checking information is at least one piece of associated information associated with the initial information of the target vehicle, wherein the target information is actual information of the target vehicle, which is verified successfully for the three vehicles.

In a third aspect, an embodiment of the present invention provides a target vehicle information verification apparatus, including: at least one processor and memory;

the memory stores computer-executable instructions;

the at least one processor executing the computer-executable instructions stored by the memory causes the at least one processor to perform the target vehicle information verification method as described above in the first aspect and various possible designs of the first aspect.

In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, where computer-executable instructions are stored, and when a processor executes the computer-executable instructions, the target vehicle information verification method according to the first aspect and various possible designs of the first aspect is implemented.

The target vehicle information checking method, apparatus, device, and storage medium provided in this embodiment receive target vehicle initial information first, where the target vehicle initial information may have an information error, the first checking request may be sent to a first preset terminal, the first preset terminal may be requested to search, according to the target vehicle initial information, from a database corresponding to the first preset terminal, whether information consistent with the target vehicle initial information exists, and receive first checking information fed back by the first preset terminal, if the first checking information is a prompt that the target vehicle initial information is incorrect, the first checking request is continuously sent to a second preset terminal, so that the second preset terminal generates second checking information, and receives second checking information fed back by the second preset terminal, and if the second checking information is at least one piece of associated information associated with the target vehicle initial information, and determining target information matched with the initial information of the target vehicle from the at least one piece of associated information, namely actual information of the target vehicle for which the three vehicles are successfully verified, so as to realize automatic verification of the three vehicles information. By the technical means, the vehicle information of the three vehicles does not need to be verified manually on line, and can be automatically verified timely and effectively on line, so that the timeliness of the execution of the subsequent claim settlement process can be ensured, and the satisfaction degree of a user is improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

Fig. 1 is a schematic view of an application scenario architecture of a target vehicle information verification method according to an embodiment of the present invention;

FIG. 2 is a schematic flow chart illustrating a method for verifying target vehicle information according to an embodiment of the present invention;

FIG. 3 is a schematic flow chart illustrating a method for verifying target vehicle information according to another embodiment of the present invention;

FIG. 4 is a schematic flow chart illustrating a method for verifying target vehicle information according to another embodiment of the present invention;

FIG. 5 is a schematic flow chart illustrating a method for verifying target vehicle information according to yet another embodiment of the present invention;

FIG. 6 is a schematic flow chart illustrating a method for verifying target vehicle information according to another embodiment of the present invention;

FIG. 7 is a schematic flow chart illustrating a method for verifying target vehicle information according to another embodiment of the present invention;

FIG. 8 is a flowchart illustrating a method for verifying target vehicle information according to yet another embodiment of the present invention;

fig. 9 is a schematic structural diagram of a target vehicle information verification apparatus according to an embodiment of the present invention;

fig. 10 is a schematic structural diagram of a target vehicle information verification device according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be obtained by a person skilled in the art without inventive step based on the embodiments of the present invention, are within the scope of protection of the present invention.

The terms "first," "second," "third," "fourth," and the like in the description and in the claims, as well as in the drawings, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

In the prior art, the claim settlement flow is blocked due to the fact that the information of the three vehicles is incomplete and problems often occur to cases which do not need to arrange surveyors to carry out on-site survey after the insurance of the vehicles is in danger. In order to solve the above technical problem, an embodiment of the present invention provides a method for checking target vehicle information to solve the above problem.

In practical applications, the execution subject may be a pre-built claim settlement platform 10 (or claim settlement system). The terminal, the server or the claim settlement platform can provide a logging page for checking or determining damage for a customer, the customer can input any information of license plate numbers, engine numbers, frame numbers and the like to access vehicle information query service in the terminal, the server or the claim settlement platform, and the vehicle information query service is used for calling delivery vehicle information query service according to relevant information after checking that the uploaded information meets relevant information coding rules. The traffic management vehicle information query service firstly returns a picture of a check code, the check code which is correspondingly identified is uploaded to the traffic management vehicle information query service after the check code is identified, the traffic management vehicle information query service queries vehicle information which accords with any one of license plate numbers, engine numbers and frame numbers, and returns a query result to the vehicle information query service, a piece of correct vehicle information is determined according to the matching degree of the license plate numbers, the engine numbers and the frame numbers, and the correct vehicle information is fed back to a terminal or a server or a claim settlement platform, so that a subsequent surveyor finishes the input of other information according to the prompt and finally finishes the submission.

Referring to the application scenario architecture diagram shown in fig. 1:

the terminal, the server or the claim settlement platform 10 receives the initial target vehicle information uploaded by the client 20, and then sends a first verification request to a first preset terminal (the vehicle insurance platform 30), the first preset terminal verifies the initial target vehicle information according to the first verification request to obtain first verification information, and sends the first verification information to the claim settlement platform, if the first verification information is prompt information that the initial target vehicle information is wrong, the claim settlement platform sends a second verification request to a second preset terminal (a third party platform 40), the second preset terminal verifies the initial target vehicle information by obtaining vehicle information stored in the delivery terminal 50 according to the second verification request to obtain second verification information, and sends the second verification information to the claim settlement platform, if the second verification information is at least one piece of associated information associated with the initial target vehicle information, and the claim settlement platform determines that the target information matched with the initial information of the target vehicle from the at least one piece of associated information is the actual information of the target vehicle successfully verified by the three vehicles, and the automatic verification of the information of the target vehicle is completed.

Referring to fig. 2 with reference to fig. 1, fig. 2 is a schematic flow chart of a target vehicle information verification method according to an embodiment of the present invention, where an execution subject of this embodiment may be a terminal, or may also be a server or a claim settlement platform, and the execution subject is not limited in this embodiment.

Referring to fig. 2, the target vehicle information verification method includes:

s101, receiving initial information of a target vehicle, wherein the initial information of the target vehicle is used for representing information of the three vehicles to be verified in a vehicle insurance claim case.

In this embodiment, the terminal, the server, or the claim settlement platform may receive initial information of the target vehicle sent by the user terminal in real time, where the initial information of the target vehicle may refer to related information of the claim settlement case, for example, information of three vehicles to be verified in the vehicle insurance claim settlement case, and the three vehicles are vehicles other than the vehicle.

Before receiving the initial information of the target vehicle, an entry interface of the initial information of the target vehicle can be pushed to the client, so that a client of the client can input the initial information of the target vehicle into the entry interface. Specifically, the surveyor inputs information including license plate number, engine number, frame number and the like of the three vehicles according to actual surveying conditions in a surveying link. The received initial information of the target vehicle is used for verifying whether the information of the three vehicles in the claim case is correct or not, if not, the correct information of the three vehicles is firstly obtained through an automatic verification process, and if the correct information is correct, the claim settlement process can be directly entered.

S102, sending a first verification request to a first preset terminal so that the first preset terminal responds to the first verification request and feeds back first verification information;

s103, receiving the first verification information fed back by the first preset terminal.

In this embodiment, the first preset terminal may be a vehicle insurance platform capable of performing information interaction with the claim settlement platform, where vehicle information of each insured vehicle, such as a license plate number, an engine number, a frame number, and the like, is stored on the vehicle insurance platform, the claim settlement platform may first send a first verification request to the vehicle insurance platform, where the first verification request is used to instruct the vehicle insurance platform to perform initial verification on the target vehicle initial information, and detect whether the target vehicle initial information is correct, specifically, the first verification request may be information that whether the target vehicle initial information is consistent with the vehicle information of each insured vehicle stored on the vehicle insurance platform, and the query result is used as first verification information and the first verification information is fed back to the claim settlement platform, so that the claim settlement platform continues a subsequent process.

Specifically, if the vehicle insurance platform does not find information consistent with the initial information of the target vehicle, the generated first verification information is prompt information of the initial information error of the target vehicle, and the prompt information of the initial information error of the target vehicle is fed back to the claim settlement platform, and the claim settlement platform receives the first verification information fed back by the vehicle insurance platform; if the vehicle insurance platform finds the information consistent with the initial information of the target vehicle, the initial information of the target vehicle is correct, the claim settlement platform stores the initial information of the target vehicle and enters a claim settlement process according to the initial information of the target vehicle to realize the claim settlement of the vehicle.

S104, if the first check information is prompt information that the initial information of the target vehicle is wrong, sending a second check request to a second preset terminal so that the second preset terminal responds to the second check request and feeds back second check information;

and S105, receiving the second check information fed back by the second preset terminal.

In this embodiment, the second preset terminal may be a third party platform having a preset communication protocol with the terminal or the server or the claim settlement platform, and the third party platform may interact with the traffic management terminal, so that the actual vehicle information of the three vehicles may be acquired from the traffic management terminal according to the third party platform. The first verification information is prompt information that the initial information of the target vehicle is wrong, the claim settlement platform can send a second verification request to the third-party platform, after authorization of the third-party platform is obtained, actual information of the target vehicle stored in the delivery terminal can be obtained through the third-party platform, the third-party platform searches whether vehicle information matched with the initial information of the target vehicle exists in the delivery terminal, then second verification information is generated, namely a matching result detected by the third-party platform is used as the second verification information, and the second verification information is sent to the claim settlement platform. The second check-up information may be at least one piece of associated information associated with the initial information of the target vehicle, or may be vehicle information that is not matched to the traffic management terminal.

S106, if the second check-up information is at least one piece of associated information associated with the initial information of the target vehicle, determining target information matched with the initial information of the target vehicle from the at least one piece of associated information, wherein the target information is actual information of the target vehicle successfully checked by the three vehicles.

In this embodiment, when the second check information is at least one piece of associated information associated with the initial information of the target vehicle, in practical application, the at least one piece of associated information associated with the initial information of the target vehicle is displayed on the claim settlement platform, so that a client or an inspector can check the at least one piece of associated information at any time, then, for the at least one piece of associated information, the target information matched with the initial information of the target vehicle is searched, when the target information is matched, the verification is successful, the real and effective information is matched for the initial information of the target vehicle, and based on the actual information of the target vehicle for which the vehicle verification is successful, the next claim settlement flow is started automatically, so that the timeliness of vehicle claims is realized, and human resources and time resources are saved.

The method comprises the steps of firstly receiving initial information of a target vehicle, sending a first verification request to a first preset terminal to request the first preset terminal to search whether information consistent with the initial information of the target vehicle exists from a database corresponding to the first preset terminal according to the initial information of the target vehicle, receiving first verification information fed back by the first preset terminal, if the first verification information is prompt information that the initial information of the target vehicle is wrong, continuously sending a second verification request to a second preset terminal to enable the second preset terminal to generate second verification information, and receiving second verification information fed back by the second preset terminal, and if the second verification information is at least one piece of associated information associated with the initial information of the target vehicle, determining target information matched with the initial information of the target vehicle, namely the target vehicle verified by the three vehicles successfully from the at least one piece of associated information And the actual information realizes the automatic verification of the information of the three vehicles. By the technical means, the vehicle information of the three vehicles does not need to be verified manually on line, and can be automatically verified timely and effectively on line, so that the timeliness of the execution of the subsequent claim settlement process can be ensured, and the satisfaction degree of a user is improved.

The target vehicle information verification method can replace manual vehicle information verification, and improves working efficiency. Meanwhile, the verification is timely and fast, the satisfaction degree of a user can be improved, and the claim settlement platform is suitable for IT service in an internet mode and can provide related service in non-working time. Therefore, the invention can effectively and timely verify the information of the three vehicles, and can ensure the timeliness of the execution of the subsequent claim settlement process, thereby improving the satisfaction degree of users.

How to determine the second check-up information, referring to fig. 3, fig. 3 is a schematic flow chart of a target vehicle information check-up method according to another embodiment of the present invention. In the present embodiment, S104 is explained in detail based on the above-described embodiment, for example, based on the embodiment shown in fig. 2. The initial information of the target vehicle comprises a first license plate number, a first engine number and a first frame number of the target vehicle; sending a second check request to a second preset terminal so that the second preset terminal can respond to the second check request and feed back second check information, wherein the method comprises the following steps:

s201, sending a second check request to a second preset terminal so that the second preset terminal returns a verification code according to the second check request;

s202, receiving the verification code returned by the second preset terminal;

s203, identifying the verification code to obtain the authority of data communication with the second preset terminal;

s204, indicating a second preset terminal to search matching information matched with at least one of the first license plate number, the first engine number and the first frame number from a vehicle information database provided by a traffic management terminal, so that the second preset terminal feeds back the matching information;

s205, using the matching information as the second checking information, wherein the second checking information is prompt information which is not matched with vehicle information provided by a traffic management terminal or at least one piece of associated information associated with the initial information of the target vehicle.

In this embodiment, when receiving the second verification request, the third party platform first returns the verification code, and the claim settlement platform receives the verification code to perform automatic identification of the verification code, and further obtains the permission to enter the third party platform, where the process of automatically identifying the verification code is:

as shown in fig. 4, fig. 4 is a schematic flow chart of a target vehicle information verification method according to another embodiment of the present invention, and this embodiment describes how to identify the verification code in detail based on the above embodiment. The verification code is a picture; the identifying the verification code is used for acquiring the authority of data communication with the second preset terminal, and the identifying the verification code comprises the following steps:

s301, removing noise points and interference lines in the picture to obtain a first image;

s302, cutting the first image along the outline of each character in the characters on the first image to obtain a plurality of frames of second images;

s303, comparing each first pixel point in each frame of second image with each second pixel point of each frame of preset image stored in the picture library based on the picture library to obtain each target image respectively matched with each second image, wherein one frame of second image corresponds to one frame of target image, and the picture library is obtained by performing machine learning training on a plurality of frames of historical images;

s304, splicing the target images to obtain spliced image verification codes;

s305, if the spliced image verification code is successfully verified, the authority of data communication with the second preset terminal is obtained.

In this embodiment, the picture may be preprocessed by the built verification code identification component, that is, the interference point (noise) and the interference line in the picture of the verification code are removed, and the picture is processed into a black-and-white picture (that is, a first image); the black and white image is then cut: cutting along the margin of each character according to each character on the black-white image to obtain a plurality of frames of second images, wherein the second images are cut images corresponding to the characters; and then, identifying the cut images corresponding to the characters, namely searching each second pixel point which is consistent with each first pixel point in each frame of second image in comparison from the picture library, then taking the image formed by the matched second pixel points as a target image matched with the second image, and then splicing each target image to obtain the spliced image verification code. For example, pixel comparison is performed on the cut picture and pictures in a picture library one by one, wherein the picture with the highest pixel similarity is the character to be recognized, and finally recognized characters are spliced together to form the finally recognized verification code.

And if the spliced image verification code is successfully verified, the authority of data communication with the third platform is obtained, the third platform can be accessed, the data of the traffic management terminal is obtained through the third platform, and the verification of the initial information of the target vehicle is further realized. The picture library is obtained by machine learning training of multiple frames of historical images, namely, the verification code identification assembly is simply and manually trained to form a basic picture library.

After the authority for data communication with the third-party platform is obtained, the third-party platform can be instructed to search second check information matched with at least one of the first license plate number, the first engine number and the first frame number from a vehicle information database provided by the traffic management terminal, so that the third-party platform can feed back the second check information, wherein the second check information is prompt information not matched with the vehicle information provided by the traffic management terminal or at least one piece of associated information associated with the initial information of the target vehicle. Therefore, the second check-up information fed back by the third-party platform may be an actual information that prompts the client or the surveyor that the actual information is not matched with the initial information of the target vehicle on the delivery terminal, or may be at least one piece of associated information associated with the initial information of the target vehicle, which is/are found by the claim settlement platform for being viewed and verified in the next step. The target vehicle information verification method is rigorous and timely in verification process, and can ensure fair and fair processing of claim settlement cases.

In order to determine the target information matching the initial information of the target vehicle from the at least one piece of associated information, reference may be made to fig. 5, where fig. 5 is a schematic flow chart of a target vehicle information verification method according to still another embodiment of the present invention. This embodiment describes S106 in detail on the basis of the above embodiment. Determining target information matched with the initial information of the target vehicle from the at least one piece of associated information, wherein the determining comprises the following steps:

s401, if the number of the at least one piece of associated information is one, taking the second check-up information as the target information;

s402, if the number of the at least one piece of associated information is multiple, determining whether first associated information which is consistent with the first license plate number, the first engine number and the first frame number exists in the at least one piece of associated information;

s403, if the first associated information exists, taking the first associated information as the target information;

s404, if the first associated information does not exist, determining whether second associated information consistent with any two of the first license plate number, the first engine number and the first frame number exists in the at least one piece of associated information;

s405, if the second associated information exists, the second associated information is used as the target information.

In this embodiment, if the number of at least one piece of associated information fed back to the claim settlement platform by the third party platform is one, the returned piece of data is directly used as target information for successful verification; if the number of the at least one piece of associated information fed back to the claim settlement platform by the third-party platform is multiple, the highest matching degree can be used as the target information by comparing the license plate number, the engine number and the frame number one by one. Such as: if first associated information which is consistent with the first license plate number, the first engine number and the first frame number exists in the at least one piece of associated information, the data is the target information; if the first associated information which is consistent with the first license plate number, the first engine number and the first vehicle frame number does not exist in the at least one piece of associated information, checking whether second associated information which is consistent with any two of the first license plate number, the first engine number and the first vehicle frame number exists in the at least one piece of associated information or not, and if the second associated information exists, taking the second associated information as the target information.

When the second associated information does not exist, how to continue to determine the target information matched with the initial information of the target vehicle from the at least one piece of associated information is shown in fig. 6, where fig. 6 is a schematic flow diagram of a target vehicle information verification method according to yet another embodiment of the present invention, and this embodiment describes S106 in detail on the basis of the above embodiment. The determining, from the at least one piece of associated information, target information that matches the target vehicle initial information further includes:

s501, if the second associated information does not exist, acquiring a target vehicle driving license image in the claim settlement case;

s502, analyzing the target vehicle driving license image to obtain target vehicle driving license information, wherein the target vehicle driving license information comprises a second license plate number, a second engine number and a second frame number of the target vehicle;

s503, if third associated information which is consistent with at least two of the second license plate number, the second engine number and the second frame number exists in the at least one piece of associated information, taking the third associated information as the target information.

In this embodiment, if there is no second related information, it is determined that the entered initial information of the target vehicle is incorrect, an image about a running license needs to be obtained from a running license image of the target vehicle in the claims case again, the image is analyzed, whether there is data in which two items of information are completely consistent is found according to an image analysis result, if there is data, the data is selected, that is, the running license image of the target vehicle is analyzed to obtain a second license plate number, a second engine number, and a second frame number of the target vehicle, and if there is third related information in which at least two items of the second license plate number, the second engine number, and the second frame number are consistent, the third related information is used as the target information.

If third associated information which is consistent with at least two of the second license plate number, the second engine number and the second frame number does not exist, how to continuously determine target information which is matched with the initial information of the target vehicle from the at least one piece of associated information is shown in fig. 7, and fig. 7 is a schematic flow chart of a target vehicle information verification method provided by another embodiment of the invention. In this embodiment, S106 is explained in detail based on the above embodiment. Determining target information matched with the initial information of the target vehicle from the at least one piece of associated information, and further comprising:

s601, if third associated information which is consistent with at least two of the second license plate number, the second engine number and the second frame number does not exist in the at least one piece of associated information, comparing the second license plate number, the second engine number and the second frame number with each piece of associated information in the at least one piece of associated information respectively to obtain a first matching number and a first unmatching degree which are matched in the second license plate number and the at least one piece of associated information, a second matching number and a second unmatching degree which are matched in the second engine number and the at least one piece of associated information, and a third matching number and a third unmatching degree which are matched in the second frame number and the at least one piece of associated information;

s602, determining the target information according to the first matching number, the second matching number, the third matching number, the first matching degree, the second matching degree and the third matching degree; the number of the first matching degree, the number of the second matching degree and the number of the third matching degree are all at least one, the first matching degree is used for representing the character length ratio of the license plate number, the second matching degree is used for representing the character length ratio of the engine number, and the third matching degree is used for representing the character length ratio of the frame number.

In this embodiment, if there is no third associated information that is consistent with at least two of the second license plate number, the second engine number, and the second frame number in the at least one piece of associated information, the matching degree may include the number of matching pieces and the matching degree (or the matching rate) by comparing the matching degree of the second license plate number, the second engine number, and the second frame number with each piece of associated information in the at least one piece of associated information.

Specifically, matching items of returned data (namely at least one piece of associated information) one by one according to a second license plate number, a second engine number and a second frame number, wherein each piece of associated information is respectively matched with the second license plate number, the second engine number and the second frame number, each item is successfully matched and counted as 1, otherwise, a matching degree is recorded, for example, if the first piece of associated information is successfully matched with the second license plate number but is not successfully matched with the second engine number and the second frame number, the item is successfully matched and counted as 1, a character length ratio of the engine number and a character length ratio of the frame number are calculated, for example, the VIN code length is 13, and if one bit is not the same, the matching degree is 12/13 ═ 0.9223; and then continuously comparing the next piece of associated information until all the pieces of associated information are compared. Similarly, the matching method of the second engine number and the second frame number is the same as the matching method of the second license plate number, and is not described herein again.

After the first matching number, the second matching number, the third matching number, the first matching degree, the second matching degree and the third matching degree are obtained, the matching degrees corresponding to the second license plate number, the second engine number and the second frame number are compared, and the associated information corresponding to the item with the highest matching degree is used as the target information. For example, the number of the at least one piece of associated information is 5, where the first number of matching bars is 2, the second number of matching bars is 2, and the third number of matching bars is 1, the first matching degree is 0.9223 × 0.9223, the second matching degree is 0.9223 × 0.8462, and the third matching degree is 0.9223 × 0.9223, then the most matching bars are selected as objects for matching degree comparison, that is, the second license plate number and the second engine number, the matching degree corresponding to the second license plate number is 0.9223 × 0.9223 and the matching degree corresponding to the second engine number is 0.9223 × 0.8462, and therefore, the matching degree corresponding to the second license plate number is the highest, the second license plate number is accurate, one piece of target information is determined from the three pieces of associated information corresponding to the second license plate number, and the determination manner can be determined by checking each matching degree.

In practical applications, if the number plate (license plate number) is empty or temporarily not on, no matching is performed, i.e., the matching degree is 0. And adding the matching degree counts, taking the highest value, if the license plate number is not empty and is not temporarily not on the license plate, judging whether the first Chinese characters of the matched license plate are consistent, if so, selecting the data, otherwise, selecting the information with the second highest matching degree count, then circularly searching until the vehicle information with the first Chinese characters of the matched license plate is inquired according to the license plate matching rule, and selecting the data as the target information.

After determining the target information matched with the initial information of the target vehicle from the at least one piece of associated information, how to apply the target information is shown in fig. 8, where fig. 8 is a schematic flow diagram of a target vehicle information verification method according to still another embodiment of the present invention, and this embodiment describes the target vehicle information verification method in detail on the basis of the above embodiment. The method further comprises the following steps:

s701, storing and displaying the target information;

and S702, executing claim settlement operation according to the target information.

In this embodiment, the target information that is successfully verified is stored and updated to replace the initial information of the target vehicle, and then the process of claim settlement is performed according to the target information. In practical application, the target vehicle information verification method can be suitable for small-amount simple cases in vehicle claims, and in the cases, the claim settlement process cannot run normally due to incomplete vehicle information of the three vehicles, so that the settlement timeliness is longer, and human resources are wasted. Therefore, the time efficiency of entering the claim settlement process can be shortened by automatically verifying the vehicle information of the three vehicles, and the human resources can be saved.

In order to implement the target vehicle information verification method, the present embodiment provides a target vehicle information verification apparatus. Referring to fig. 9, fig. 9 is a schematic structural diagram of a target vehicle information verification apparatus according to an embodiment of the present invention; the target vehicle information verification device includes: an initial information receiving module 901, a first check request sending module 902, a first check information receiving module 903, a second check request sending module 904, a second check information receiving module 905 and a target information determining module 906; an initial information receiving module 901, configured to receive initial information of a target vehicle, where the initial information of the target vehicle is used to represent information of three vehicles to be verified in a vehicle insurance claim settlement case; a first verification request sending module 902, configured to send a first verification request to a first preset terminal, so that the first preset terminal responds to the first verification request and feeds back first verification information; a first verification information receiving module 903, configured to receive the first verification information fed back by the first preset terminal; a second check request sending module 904, configured to send a second check request to a second preset terminal when the first check information is a prompt message that the initial information of the target vehicle is wrong, so that the second preset terminal responds to the second check request and feeds back second check information; a second check information receiving module 905, configured to receive the second check information fed back by the second preset terminal; a target information determining module 906, configured to determine, when the second check-up information is at least one piece of associated information associated with the target vehicle initial information, target information that matches the target vehicle initial information from the at least one piece of associated information, where the target information is actual information of a target vehicle that is successfully verified for the three vehicles.

In this embodiment, an initial information receiving module 901, a first verification request sending module 902, a first verification information receiving module 903, a second verification request sending module 904, a second verification information receiving module 905, and a target information determining module 906 are provided, and are configured to receive target vehicle initial information, because the target vehicle initial information may have an information error, a first verification request may be sent to a first preset terminal first, the first preset terminal is requested to search whether information consistent with the target vehicle initial information exists from a database corresponding to the first preset terminal according to the target vehicle initial information, and receive first verification information fed back by the first preset terminal, if the first verification information is prompt information that the target vehicle initial information is in error, the second verification request continues to be sent to a second preset terminal, so that the second preset terminal generates second verification information, and receiving second checking information fed back by a second preset terminal, and if the second checking information is at least one piece of associated information associated with the initial information of the target vehicle, determining target information matched with the initial information of the target vehicle, namely actual information of the target vehicle, which is successfully checked by the three vehicles, from the at least one piece of associated information, so as to realize automatic checking of the information of the three vehicles. By the technical means, the vehicle information of the three vehicles does not need to be verified manually on line, and can be automatically verified timely and effectively on line, so that the timeliness of the execution of the subsequent claim settlement process can be ensured, and the satisfaction degree of a user is improved.

The apparatus provided in this embodiment may be used to implement the technical solutions of the above method embodiments, and the implementation principles and technical effects are similar, which are not described herein again.

Optionally, the target vehicle initial information includes a first license plate number, a first engine number, and a first frame number of the target vehicle; the second check-up request sending module 904 includes: the device comprises a second check request sending unit, a check code receiving unit, a check code identifying unit, an indicating unit and a second check information determining unit; the second check request sending unit is used for sending a second check request to a second preset terminal so that the second preset terminal returns a verification code according to the second check request; the verification code receiving unit is used for receiving the verification code returned by the second preset terminal; the verification code identification unit is used for identifying the verification code and obtaining the authority of data communication with the second preset terminal; the second preset terminal is used for searching matching information matched with at least one of the first license plate number, the first engine number and the first frame number from a vehicle information database provided by the traffic management terminal, so that the second preset terminal feeds back the matching information; a second check-up information determining unit configured to use the matching information as the second check-up information, where the second check-up information is prompt information that is not matched to vehicle information provided by a traffic management terminal or at least one piece of associated information associated with the target vehicle initial information.

Optionally, the verification code is a picture; the verification code identification unit is specifically used for:

removing noise points and interference lines in the picture to obtain a first image; cutting the first image along the outline of each character in the characters on the first image to obtain a plurality of frames of second images; on the basis of a picture library, comparing each first pixel point in each frame of second image with each second pixel point of each frame of preset image stored in the picture library to obtain each target image respectively matched with each second image, wherein one frame of second image corresponds to one frame of target image, and the picture library is obtained by performing machine learning training on multiple frames of historical images; splicing all target images to obtain spliced image verification codes; and if the spliced image verification code is successfully verified, acquiring the authority for data communication with the second preset terminal.

Optionally, the target information determining module 906 is specifically configured to:

when the number of the at least one piece of associated information is one, taking the second check-up information as the target information; when the number of the at least one piece of associated information is multiple, determining whether first associated information which is consistent with the first license plate number, the first engine number and the first frame number exists in the at least one piece of associated information; when the first associated information exists, taking the first associated information as the target information; when the first associated information does not exist, determining whether second associated information which is consistent with any two of the first license plate number, the first engine number and the first frame number exists in the at least one piece of associated information; and when the second associated information exists, taking the second associated information as the target information.

Optionally, the target information determining module 906 is further specifically configured to:

when the second associated information does not exist, acquiring a target vehicle driving license image in the claim case; analyzing the target vehicle driving license image to obtain target vehicle driving license information, wherein the target vehicle driving license information comprises a second license plate number, a second engine number and a second frame number of the target vehicle; and when third associated information which is consistent with at least two of the second license plate number, the second engine number and the second frame number exists in the at least one piece of associated information, taking the third associated information as the target information.

when third associated information which is consistent with at least two of the second license plate number, the second engine number and the second frame number does not exist in the at least one piece of associated information, the second license plate number, the second engine number and the second frame number are respectively compared with each piece of associated information in the at least one piece of associated information to obtain a first matching number and a first unmatched matching degree of the second license plate number and the at least one piece of associated information, a second matching number and a second unmatched matching degree of the second engine number and the at least one piece of associated information, and a third matching number and a third unmatched matching degree of the second frame number and the at least one piece of associated information; determining the target information according to the first matching number, the second matching number, the third matching number, the first matching degree, the second matching degree and the third matching degree; the number of the first matching degree, the number of the second matching degree and the number of the third matching degree are all at least one, the first matching degree is used for representing the character length ratio of the license plate number, the second matching degree is used for representing the character length ratio of the engine number, and the third matching degree is used for representing the character length ratio of the frame number.

Optionally, the target vehicle information verification apparatus further includes: a push module; the push module is used for: before receiving the initial information of the target vehicle, pushing an input interface of the initial information of the target vehicle to a client, so that a client of the client inputs the initial information of the target vehicle to the input interface.

Optionally, the target vehicle information verification apparatus further includes: a target information processing module; the target information processing module is used for storing and displaying the target information; and executing the claim settlement operation according to the target information.

In order to implement the target vehicle information verification method, the present embodiment provides a target vehicle information verification apparatus. Fig. 10 is a schematic structural diagram of a target vehicle information verification device according to an embodiment of the present invention. As shown in fig. 10, the target vehicle information verification apparatus 100 of the present embodiment includes: a processor 1001 and a memory 1002; the memory 1002 is used for storing computer execution instructions; the processor 1001 is configured to execute computer-executable instructions stored in the memory to implement the steps performed in the above embodiments. Reference may be made in particular to the description relating to the method embodiments described above.

The embodiment of the invention also provides a computer-readable storage medium, wherein a computer executing instruction is stored in the computer-readable storage medium, and when a processor executes the computer executing instruction, the target vehicle information verification method is realized.

In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described device embodiments are merely illustrative, and for example, the division of the modules is only one logical division, and other divisions may be realized in practice, for example, a plurality of modules may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or modules, and may be in an electrical, mechanical or other form. In addition, functional modules in the embodiments of the present invention may be integrated into one processing unit, or each module may exist alone physically, or two or more modules are integrated into one unit. The unit formed by the modules can be realized in a hardware form, and can also be realized in a form of hardware and a software functional unit.

The integrated module implemented in the form of a software functional module may be stored in a computer-readable storage medium. The software functional module is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute some steps of the methods according to the embodiments of the present invention. It should be understood that the Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present invention may be embodied directly in a hardware processor, or in a combination of the hardware and software modules within the processor.

The memory may comprise a high-speed RAM memory, and may further comprise a non-volatile storage NVM, such as at least one disk memory, and may also be a usb disk, a removable hard disk, a read-only memory, a magnetic or optical disk, etc. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended ISA (EISA) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, the buses in the figures of the present invention are not limited to only one bus or one type of bus. The storage medium may be implemented by any type or combination of volatile or non-volatile memory devices, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.

An exemplary storage medium is coupled to the processor such the processor can read information from, and write information to, the storage medium. Of course, the storage medium may also be integral to the processor. The processor and the storage medium may reside in an Application Specific Integrated Circuits (ASIC). Of course, the processor and the storage medium may reside as discrete components in an electronic device or host device.

Those of ordinary skill in the art will understand that: all or a portion of the steps of implementing the above-described method embodiments may be performed by hardware associated with program instructions. The program may be stored in a computer-readable storage medium. When executed, the program performs steps comprising the method embodiments described above; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.

Claims

1. A target vehicle information verification method, comprising:

receiving the first check information fed back by the first preset terminal;

receiving the second check information fed back by the second preset terminal;

if the second check-up information is at least one piece of associated information associated with the initial information of the target vehicle, determining target information matched with the initial information of the target vehicle from the at least one piece of associated information, wherein the target information is actual information of the target vehicle successfully checked up by the three vehicles;

if the initial information of the target vehicle is wrong, acquiring a driving license image of the target vehicle in the claim settlement case;

the determining, from the at least one piece of associated information, target information that matches the target vehicle initial information further includes:

if third associated information which is consistent with at least two of the second license plate number, the second engine number and the second frame number does not exist in the at least one piece of associated information, comparing the second license plate number, the second engine number and the second frame number with each piece of associated information in the at least one piece of associated information respectively to obtain a first matching number and a first unmatching degree which are matched in the second license plate number and the at least one piece of associated information, a second matching number and a second unmatching degree which are matched in the second engine number and the at least one piece of associated information, and a third matching number and a third unmatching degree which are matched in the second frame number and the at least one piece of associated information;

2. The method of claim 1, wherein the target vehicle initial information includes a first license plate number, a first engine number, a first frame number of the target vehicle;

the sending a second check request to a second preset terminal so that the second preset terminal responds to the second check request and feeds back second check information includes:

receiving the verification code returned by the second preset terminal;

3. The method of claim 2, wherein the verification code is a picture;

cutting the first image along the outline of each character in the characters on the first image to obtain a plurality of frames of second images;

on the basis of a picture library, comparing each first pixel point in each frame of second image with each second pixel point of each frame of preset image stored in the picture library to obtain each target image matched with each second image, wherein one frame of second image corresponds to one frame of target image, and the picture library is obtained by performing machine learning training on multiple frames of historical images;

splicing all target images to obtain spliced image verification codes;

4. The method of claim 3, wherein the determining target information from the at least one piece of associated information that matches the target vehicle initial information comprises:

5. The method of claim 4, wherein the determining target information from the at least one piece of associated information that matches the target vehicle initial information further comprises:

if the second associated information does not exist, acquiring a target vehicle driving license image in the claim case;

6. The method of any of claims 1-5, wherein prior to receiving the target vehicle initial information, the method further comprises:

pushing an input interface of initial information of a target vehicle to a client so that a client of the client inputs the initial information of the target vehicle to the input interface;

after determining the target information matched with the initial target vehicle information from the at least one piece of associated information, the method further comprises the following steps:

storing and displaying the target information;

7. A target vehicle information verification apparatus, characterized by comprising:

the target information determining module is used for determining target information matched with the initial information of the target vehicle from at least one piece of associated information when the second checking information is the at least one piece of associated information associated with the initial information of the target vehicle, wherein the target information is actual information of the target vehicle, which is verified successfully for the three vehicles;

the target information determining module is specifically configured to obtain a target vehicle license image in the claim settlement case when the initial information of the target vehicle is wrong; analyzing the target vehicle driving license image to obtain target vehicle driving license information, wherein the target vehicle driving license information comprises a second license plate number, a second engine number and a second frame number of the target vehicle; if third associated information which is consistent with at least two of the second license plate number, the second engine number and the second frame number does not exist in the at least one piece of associated information, the second license plate number, the second engine number and the second frame number are respectively compared with each piece of associated information in the at least one piece of associated information, and a first matching number and a first unmatched matching degree of the second license plate number and the at least one piece of associated information, a second matching number and a second unmatched matching degree of the second engine number and the at least one piece of associated information, and a third matching number and a third unmatched matching degree of the second frame number and the at least one piece of associated information are obtained.

8. A target vehicle information verification apparatus, characterized by comprising: at least one processor and memory;

the memory stores computer-executable instructions;

the at least one processor executing the computer-executable instructions stored by the memory causes the at least one processor to perform the target vehicle information verification method of any of claims 1-6.

9. A computer-readable storage medium, characterized in that a computer-executable instruction is stored therein, which when executed by a processor, implements the target vehicle information verification method according to any one of claims 1 to 6.