CN111461906A - Fast vehicle insurance claim settlement method and device, computer equipment and storage medium - Google Patents
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Abstract
The invention provides a method, a device, computer equipment and a storage medium for fast claims settlement of vehicle insurance, wherein the method comprises the steps of identifying a picture of a damaged part of a vehicle uploaded by a user by using OCR (optical character recognition), and generating a feature code by using a HASH algorithm according to feature information of a damaged part in the picture; inputting the feature code into an image content retrieval system to perform feature matching with a pre-stored historical picture, and matching out the historical picture with the similarity in a preset range; acquiring damaged information of a historical picture with the similarity in a preset range and a corresponding compensation amount; and carrying out weighted average on the indemnity amount of the historical pictures with the similarity in the preset range to calculate the indemnity amount. The invention has the beneficial effects that: the method for claim settlement can accurately identify the damaged part, accurately match the historical pictures and the claim settlement amount of similar claim cases, effectively improve the claim settlement efficiency, improve the satisfaction degree of users, reduce the scale of claim settlement personnel and greatly reduce the operation cost of claim settlement.
Description
Technical Field
The invention relates to a method and a device for claims settlement, computer equipment and a storage medium, in particular to a method and a device for quickly settling claims in car insurance, computer equipment and a storage medium.
Background
At present, the major business income of most property insurance companies is mainly car insurance operation, and on the premise that the premium of the car insurance is the national standard, how to improve the service quality of customers becomes the key element of the business competitiveness of the insurance companies. At present, the conventional vehicle insurance claim settlement mode mainly adopts two modes of self-service claim settlement and agent claim settlement of insurance department, and the two modes are both modes mainly manual and secondarily systematic. The mode defect is particularly remarkable and mainly comprises the following steps: 1) the service cycle is long, and the customer satisfaction is low, so that the customer loss risk is increased; 2) a large amount of human resources need to be invested, and the operation cost is obviously increased due to manual investment; 3) the reason for the different quality of the claim settlement personnel results in large difference of the claim settlement scale of the cases with the same type, unreasonable and inaccurate claim settlement amount, over-low claim settlement and damage to the benefits of insurance companies, and over-high claim settlement and causes discontent of users. Therefore, there is a need to provide a new car insurance claim settlement method to solve the above problems.
Disclosure of Invention
The technical problem to be solved by the invention is as follows: the invention provides a method and a device for quickly settling claims in car insurance, computer equipment and a storage medium, and aims to improve the efficiency of settling claims in car insurance and improve the accuracy of the amount of the claims.
In order to solve the technical problems, the invention adopts the technical scheme that: a method for fast claims settlement of car insurance comprises,
recognizing the picture of the damaged part of the vehicle uploaded by a user by using an OCR (optical character recognition), and generating a feature code by using a HASH algorithm according to the feature information of the damaged part in the picture;
inputting the feature code into an image content retrieval system to perform feature matching with a pre-stored historical picture, and matching out the historical picture with the similarity in a preset range;
acquiring damaged information of a historical picture with the similarity in a preset range and a corresponding compensation amount;
and carrying out weighted average on the indemnity amount of the historical pictures with the similarity in the preset range to calculate the indemnity amount.
Further, the characteristic code is input into the image content retrieval system to be matched with the characteristics of the pre-stored historical pictures, the matched historical pictures with the similarity in the preset range comprise,
inputting the feature codes into an image content retrieval system, and respectively finding out salient feature points from the feature codes and historical pictures;
respectively describing the significant feature points in the feature codes and the historical pictures;
comparing whether the similarity of the two descriptions is within a preset similarity, and if the similarity of the two descriptions is within the preset similarity, judging that the two significant feature points are the same;
and screening out the historical pictures with the same salient feature points.
Further, before describing the salient feature points in the feature code and in the historical picture respectively, the method further comprises the following steps,
determining the characteristic direction of the salient characteristic points to realize rotation invariance;
and determining the characteristic scale of the salient characteristic points to realize scale invariance.
Further, before generating the feature code by the HASH algorithm according to the feature information of the damaged part in the picture, the method further comprises,
and judging whether the picture of the damaged part of the vehicle uploaded by the user is a single-channel gray picture or not, and if the picture of the damaged part of the vehicle uploaded by the user is a non-single-channel gray picture, converting the non-single-channel gray picture into a single-channel gray picture.
Further, by an average value method: and (R + G + B)/3, and converting the non-single-channel Gray picture into a single-channel Gray picture.
Further, the rapid car insurance claim settlement method further comprises the step of issuing the compensation amount to a financial system so as to pay for the user.
Further, the damaged characteristic information of the damaged part comprises color, length, width and edge curve of the object in the picture.
In order to solve the technical problem, the invention adopts another technical scheme as follows: an on-line fast claim settlement device comprises,
the picture recognition module is used for recognizing the picture of the damaged part of the vehicle uploaded by the user by using OCR (optical character recognition), and generating a feature code through a HASH (HASH algorithm) according to the feature information of the damaged part in the picture;
the picture matching module is used for inputting the feature codes into the image content retrieval system to perform feature matching with the pre-stored historical pictures and matching out the historical pictures with the similarity in a preset range;
the indemnity information acquisition module is used for acquiring the damage information of the historical pictures with the similarity in the preset range and the corresponding indemnity amount;
and the indemnity amount calculation module is used for performing weighted average on the indemnity amounts of the historical pictures with the similarity in the preset range to calculate the indemnity amounts.
The invention also provides computer equipment which comprises a memory and a processor, wherein the memory is stored with a computer program, and the processor executes the computer program to realize the rapid vehicle insurance claim settlement method.
The invention also provides a storage medium, wherein the storage medium stores a computer program, and the computer program can realize the quick vehicle insurance claim settlement method when being executed by a processor.
The invention has the beneficial effects that: the method has the advantages that the OCR is utilized to identify the picture of the damaged part of the vehicle uploaded by a user, the picture of the damaged part of the vehicle is matched through the image content retrieval system, similar or identical historical pictures are matched, damage information of the historical pictures and corresponding compensation amount are correspondingly obtained, and the compensation amount is calculated so as to carry out compensation on the user.
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The following detailed description of the invention refers to the accompanying drawings.
FIG. 1 is a flow chart of a fast car insurance claims settlement method according to an embodiment of the present invention;
FIG. 2 is a flow chart of another method for quickly claiming a claim from car insurance according to an embodiment of the present invention;
FIG. 3 is a block diagram of a fast claims settlement device for car insurance in accordance with an embodiment of the present invention;
FIG. 4 is a block diagram of another apparatus for fast claims settlement in car insurance according to the embodiment of the present invention;
FIG. 5 is a schematic block diagram of a computer device in accordance with one embodiment of the present invention.
Detailed Description
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, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the specification of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As shown in fig. 1, the first embodiment of the present invention is: a method for fast claims settlement of car insurance comprises,
s10, recognizing the picture of the damaged part of the vehicle uploaded by the user by using OCR, and generating a feature code through a HASH algorithm according to the feature information of the damaged part in the picture;
in this step, the damaged characteristic information of the damaged part includes the color, length, width and edge curve of the object in the picture.
S20, inputting the feature codes into the image content retrieval system to perform feature matching with the pre-stored historical pictures, and matching out the historical pictures with the similarity in the preset range;
the historical pictures in the step comprise pictures uploaded by different historical claims and pre-stored pictures, and damaged parts with different damaged layers can be pre-stored in the system, so that the pictures with almost the same damaged layers can be matched when matching is carried out, and the accuracy of damage assessment is improved.
S30, acquiring damage information and corresponding compensation amount of the historical picture with the similarity in the preset range;
and S40, carrying out weighted average on the compensation amounts of the historical pictures with the similarity within the preset range to calculate the compensation amounts.
In this step, the generated compensation amounts of the parts with different damage levels are different, so that the compensation amounts of the similar pictures are all acquired, and a reasonable compensation amount is obtained by weighted average for settlement.
As shown in fig. 2, in an embodiment, the method for rapidly settling a claim on car insurance further comprises the steps of,
and S50, issuing the compensation amount to the financial system to pay the user. Therefore, the financial system can directly transfer the compensation money to the user according to the pay bill, and the pay efficiency is improved.
According to the scheme, the claim settlement process is prefabricated through the RPA, each node automatically generates data information of each node according to a claim settlement service data generation algorithm (a service calculation formula) in combination with dynamic sql packaging, the RPA simulates manual operation, the dynamic sql and the algorithm generate process data, and the data are issued to finance, so that the automatic claim settlement process closed-loop operation is achieved, and manual intervention is reduced.
The technical effects of the embodiment are as follows: the method has the advantages that the OCR is utilized to identify the picture of the damaged part of the vehicle uploaded by a user, the picture of the damaged part of the vehicle is matched through the image content retrieval system, similar or identical historical pictures are matched, damage information of the historical pictures and corresponding compensation amount are correspondingly obtained, and the compensation amount is calculated so as to carry out compensation on the user.
In a specific embodiment, the inputting of the feature code into the image content retrieval system for feature matching with the pre-stored history pictures includes matching the history pictures with the similarity in the preset range,
s21, inputting the feature codes into an image content retrieval system, and respectively finding out salient feature points from the feature codes and historical pictures;
s22, respectively describing the salient feature points in the feature codes and the historical pictures;
s23, comparing whether the similarity of the two descriptions is within the preset similarity, and if the similarity of the two descriptions is within the preset similarity, judging that the two significant feature points are the same;
and S24, screening out the historical pictures with the same salient feature points.
In an embodiment, before describing the salient feature points in the feature code and in the historical picture respectively, the method further includes,
determining the characteristic direction of the salient characteristic points to realize rotation invariance;
and determining the characteristic scale of the salient characteristic points to realize scale invariance.
As shown in the following table, the specific processing techniques employed for this feature matching:
in a specific embodiment, before generating the feature code by the HASH algorithm according to the feature information of the damaged part in the picture, the method further comprises,
and judging whether the picture of the damaged part of the vehicle uploaded by the user is a single-channel gray picture or not, and if the picture of the damaged part of the vehicle uploaded by the user is a non-single-channel gray picture, converting the non-single-channel gray picture into a single-channel gray picture.
Further, by an average value method: and (R + G + B)/3, and converting the non-single-channel Gray picture into a single-channel Gray picture.
In this embodiment, an average value method may be used to unify the RGB three-channel color image or the RGBA four-channel color image to obtain an integer matrix G of 8 × 8, calculate the average value of all elements in this matrix to obtain the ahash value of the picture, and compare the hamming distances of the ahash values of the two pictures, wherein a group of pictures with hamming distances less than 10 is generally considered as similar pictures.
As shown in fig. 3, in order to solve the above technical problem, another technical solution adopted by the present invention is: an on-line fast claim settlement device comprises,
the picture recognition module 10 is used for recognizing the picture of the damaged part of the vehicle uploaded by the user by using an OCR (optical character recognition), and generating a feature code through a HASH (HASH algorithm) according to the feature information of the damaged part in the picture;
the picture matching module 20 is used for inputting the feature codes into the image content retrieval system to perform feature matching with the pre-stored historical pictures, and matching out the historical pictures with the similarity in the preset range;
the indemnity information obtaining module 30 is configured to obtain damage information of the history pictures with the similarity in the preset range and corresponding indemnity amount;
and the indemnity amount calculation module 40 is configured to calculate the indemnity amount by performing a weighted average on the indemnity amounts of the historical pictures with the similarity in the preset range.
Further, the picture matching module 20 includes,
the salient feature point searching unit is used for inputting the feature codes into the image content retrieval system and respectively searching salient feature points from the feature codes and the historical pictures;
the salient feature point description unit is used for respectively describing salient feature points in the feature codes and the historical pictures;
the salient feature point judging unit is used for comparing whether the similarity of the two descriptions is within the preset similarity or not, and judging that the two salient feature points are the same if the similarity of the two descriptions is within the preset similarity;
and the picture screening unit is used for screening out the historical pictures with the same remarkable characteristic points.
Further, before the significant feature point description unit, the method further includes,
the characteristic direction determining unit is used for determining the characteristic direction of the salient characteristic points so as to realize rotation invariance;
and the characteristic scale determining unit is used for determining the characteristic scale of the salient characteristic points so as to realize scale invariance.
Further, before the picture recognition module 10, it also includes,
and the gray image conversion module is used for judging whether the image of the damaged part of the vehicle uploaded by the user is a single-channel gray image or not, and converting the non-single-channel gray image into the single-channel gray image if the image of the damaged part of the vehicle uploaded by the user is the non-single-channel gray image.
Further, by an average value method: and (R + G + B)/3, and converting the non-single-channel Gray picture into a single-channel Gray picture.
As shown in fig. 4, the fast vehicle insurance claim settlement apparatus further comprises,
and the compensation module 50 is used for issuing the compensation amount to the financial system so as to carry out compensation on the user.
It should be noted that, as can be clearly understood by those skilled in the art, the detailed implementation process of the fast vehicle insurance claim settlement device and each unit may refer to the corresponding description in the foregoing method embodiment, and for convenience and brevity of description, no further description is provided herein.
The fast vehicle insurance claim settlement apparatus can be implemented in the form of a computer program which can run on a computer device as shown in fig. 5.
Referring to fig. 5, fig. 5 is a schematic block diagram of a computer device according to an embodiment of the present application. The computer device 500 may be a terminal or a server, where the terminal may be an electronic device with a communication function, such as a smart phone, a tablet computer, a notebook computer, a desktop computer, a personal digital assistant, and a wearable device. The server may be an independent server or a server cluster composed of a plurality of servers.
Referring to fig. 5, the computer device 500 includes a processor 502, memory, and a network interface 505 connected by a system bus 501, where the memory may include a non-volatile storage medium 503 and an internal memory 504.
The non-volatile storage medium 503 may store an operating system 5031 and a computer program 5032. The computer programs 5032 include program instructions that, when executed, cause the processor 502 to perform a method for quick claims settlement of car insurance.
The processor 502 is used to provide computing and control capabilities to support the operation of the overall computer device 500.
The internal memory 504 provides an environment for the operation of the computer program 5032 in the non-volatile storage medium 503, and when the computer program 5032 is executed by the processor 502, the processor 502 can be enabled to execute a fast vehicle insurance claim settlement method.
The network interface 505 is used for network communication with other devices. Those skilled in the art will appreciate that the configuration shown in fig. 5 is a block diagram of only a portion of the configuration associated with the present application and does not constitute a limitation of the computer device 500 to which the present application may be applied, and that a particular computer device 500 may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
Wherein the processor 502 is configured to run the computer program 5032 stored in the memory to implement the rapid claims settlement method for car insurance as described above.
It should be understood that, in the embodiment of the present Application, the Processor 502 may be a Central Processing Unit (CPU), and the Processor 502 may also be other general-purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field-Programmable Gate arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, and the like. Wherein a general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
It will be understood by those skilled in the art that all or part of the flow of the method implementing the above embodiments may be implemented by a computer program instructing associated hardware. The computer program includes program instructions, and the computer program may be stored in a storage medium, which is a computer-readable storage medium. The program instructions are executed by at least one processor in the computer system to implement the flow steps of the embodiments of the method described above.
Accordingly, the present invention also provides a storage medium. The storage medium may be a computer-readable storage medium. The storage medium stores a computer program, wherein the computer program comprises program instructions. When the program instructions are executed by the processor, the processor executes the vehicle insurance fast claims settlement method
The storage medium may be a usb disk, a removable hard disk, a Read-Only Memory (ROM), a magnetic disk, or an optical disk, which can store various computer readable storage media.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
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 apparatus embodiments are merely illustrative. For example, the division of each unit is only one logic function division, and there may be another division manner in actual implementation. For example, various elements or components may be combined or may be integrated into another system, or some features may be omitted, or not implemented.
The steps in the method of the embodiment of the invention can be sequentially adjusted, combined and deleted according to actual needs. The units in the device of the embodiment of the invention can be merged, divided and deleted according to actual needs. In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a storage medium. Based on such understanding, the technical solution of the present invention essentially or partially contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a terminal, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention.
While the invention has been described with reference to specific embodiments, the invention is not limited thereto, and various equivalent modifications and substitutions can be easily made by those skilled in the art within the technical scope of the invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A fast claims settlement method for car insurance is characterized in that: comprises the steps of (a) preparing a mixture of a plurality of raw materials,
recognizing the picture of the damaged part of the vehicle uploaded by a user by using an OCR (optical character recognition), and generating a feature code by using a HASH algorithm according to the feature information of the damaged part in the picture;
inputting the feature code into an image content retrieval system to perform feature matching with a pre-stored historical picture, and matching out the historical picture with the similarity in a preset range;
acquiring damaged information of a historical picture with the similarity in a preset range and a corresponding compensation amount;
and carrying out weighted average on the indemnity amount of the historical pictures with the similarity in the preset range to calculate the indemnity amount.
2. The quick claims settlement method for car insurance of claim 1, wherein: the feature code is input into the image content retrieval system to be matched with the features of the pre-stored historical pictures, the matched historical pictures with the similarity in the preset range comprise,
inputting the feature codes into an image content retrieval system, and respectively finding out salient feature points from the feature codes and historical pictures;
respectively describing the significant feature points in the feature codes and the historical pictures;
comparing whether the similarity of the two descriptions is within a preset similarity, and if the similarity of the two descriptions is within the preset similarity, judging that the two significant feature points are the same;
and screening out the historical pictures with the same salient feature points.
3. The quick claims settlement method for car insurance of claim 2, wherein: before describing the salient feature points in the feature codes and in the historical pictures respectively, the method further comprises the following steps,
determining the characteristic direction of the salient characteristic points to realize rotation invariance;
and determining the characteristic scale of the salient characteristic points to realize scale invariance.
4. The quick claims settlement method for car insurance of claim 1, wherein: before generating the feature code by the HASH algorithm according to the feature information of the damaged part in the picture, the method further comprises,
and judging whether the picture of the damaged part of the vehicle uploaded by the user is a single-channel gray picture or not, and if the picture of the damaged part of the vehicle uploaded by the user is a non-single-channel gray picture, converting the non-single-channel gray picture into a single-channel gray picture.
5. The quick claims settlement method for car insurance of claim 4, wherein: by the mean method: and (R + G + B)/3, and converting the non-single-channel Gray picture into a single-channel Gray picture.
6. The quick claims settlement method for car insurance of claim 1, wherein: and issuing the compensation amount to the financial system to pay the user.
7. The quick claims settlement method for car insurance of claim 1, wherein: the damaged characteristic information of the damaged part comprises color, length, width and edge curve of an object in the picture.
8. An online fast claim settlement device is characterized in that: comprises the steps of (a) preparing a mixture of a plurality of raw materials,
the picture recognition module is used for recognizing the picture of the damaged part of the vehicle uploaded by the user by using OCR (optical character recognition), and generating a feature code through a HASH (HASH algorithm) according to the feature information of the damaged part in the picture;
the picture matching module is used for inputting the feature codes into the image content retrieval system to perform feature matching with the pre-stored historical pictures and matching out the historical pictures with the similarity in a preset range;
the indemnity information acquisition module is used for acquiring the damage information of the historical pictures with the similarity in the preset range and the corresponding indemnity amount;
and the indemnity amount calculation module is used for performing weighted average on the indemnity amounts of the historical pictures with the similarity in the preset range to calculate the indemnity amounts.
9. A computer device, characterized by: the computer device comprises a memory and a processor, wherein the memory stores a computer program, and the processor realizes the vehicle insurance fast claims settlement method according to any one of claims 1 to 7 when executing the computer program.
10. A storage medium, characterized by: the storage medium stores a computer program which can realize the rapid vehicle insurance claim settlement method according to any one of claims 1 to 7 when being executed by a processor.
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Application publication date: 20200728 |