CN112053250A

CN112053250A - Video-based vehicle insurance self-service claim settlement method, device and equipment

Info

Publication number: CN112053250A
Application number: CN202010925443.7A
Authority: CN
Inventors: 邓杰夫
Original assignee: Ping An Property and Casualty Insurance Company of China Ltd
Current assignee: Ping An Property and Casualty Insurance Company of China Ltd
Priority date: 2020-09-03
Filing date: 2020-09-03
Publication date: 2020-12-08

Abstract

The invention discloses a video-based vehicle insurance self-service claim settlement method, device and equipment and a computer-readable storage medium. Wherein, this video-based car insurance self-service claim settlement includes: receiving a vehicle insurance claim settlement request of a client, acquiring vehicle insurance information from the vehicle insurance claim settlement request, and establishing video communication connection with the client; determining claim materials required by vehicle self-service claim settlement based on the vehicle insurance information, and prompting a client to send a claim video containing the claim materials; acquiring the claim material based on the claim video; performing vehicle damage assessment based on the claim settlement materials; obtaining a loss assessment result, and sending the loss assessment result to a client; and receiving feedback information sent by the client based on the damage assessment result so as to finish self-service claim settlement of the vehicle insurance. The video-based vehicle insurance self-service claim settlement method has the advantages of low risk of claim settlement and good user experience.

Description

Video-based vehicle insurance self-service claim settlement method, device and equipment

Technical Field

The invention relates to the technical field of vehicle insurance claim settlement, in particular to a video-based vehicle insurance self-service claim settlement method, device, equipment and computer-readable storage medium.

Background

The automobile is a common transportation tool in modern society, and the absolute number of automobile accidents is gradually increased along with the continuous increase of the automobile holding capacity. In order to reduce property loss after an accident, car owners usually regularly perform car insurance after purchasing cars. Automobile insurance refers to a commercial insurance for reimbursing personal casualties or property losses caused by natural disasters or accidents of motor vehicles. If the insured car has a traffic accident, the car insurance claim can be processed according to the signed insurance contract.

The conventional vehicle insurance claim settlement method mainly comprises the following steps: the method comprises the steps of vehicle owner case reporting, site survey of survey personnel of the insurance company, issuing of loss assessment results by the insurance company, payment and the like. These processes result in long overall claim settlement period, long time for car owners to take claim money, and high labor cost for the claim settlement personnel to go to the site to perform tasks such as survey and damage assessment.

To solve the problem, an online self-service claim settlement method has been developed, and a claim person can realize remote claim settlement by guiding a car owner to transmit a picture of an accident scene and document materials required for claim settlement. However, in this way, on one hand, the owner is required to perform cumbersome operations; on the other hand, the investigation and damage determination are performed by using photos, and the technical difficulty of photo counterfeiting is low, so that the risk is high.

Disclosure of Invention

The embodiment of the application aims at solving the technical problems that the safety of the conventional vehicle insurance self-service claim settlement is low and the operation of a user is complex through providing the video-based vehicle insurance self-service claim settlement.

In order to achieve the above object, an embodiment of the present application provides a video-based vehicle insurance self-help claim settlement method, including the following steps:

receiving a vehicle insurance claim settlement request of a client, acquiring vehicle insurance information from the vehicle insurance claim settlement request, and establishing video communication connection with the client;

determining claim materials required by vehicle self-service claim settlement based on the vehicle insurance information, and prompting a client to send a claim video containing the claim materials;

acquiring the claim material based on the claim video;

performing vehicle damage assessment based on the claim settlement materials;

obtaining a loss assessment result, and sending the loss assessment result to a client; and

and receiving feedback information sent by the client based on the damage assessment result so as to finish self-service claim settlement of the vehicle insurance.

In one embodiment, the acquiring the claim material based on the claim video includes:

intercepting video frames containing the claim materials in the claim video; and

obtaining the claim material from the video frame.

In one embodiment, the claim material includes a claim document and a damage document, and the obtaining the claim material from the key frame includes:

when the claim material is a claim document, extracting the claim document information from the key frame by an optical character recognition technology; and

and when the claim settlement material is a loss assessment document, acquiring the vehicle loss part in the key frame, and storing the key frame as a vehicle loss photo.

In one embodiment, the vehicle damage assessment based on the claim material comprises:

acquiring an accident occurrence place, and acquiring a target vehicle repair shop according to the accident occurrence place;

after obtaining the loss assessment document, determining accessories and/or working hours required by vehicle maintenance according to the loss assessment document; and

the damage assessment results are obtained based on the accessories and/or man-hours and the target vehicle repair shop.

In one embodiment, the acquiring the accident occurrence and the target vehicle repair shop according to the accident occurrence comprises:

acquiring the address of an accident site, and acquiring all vehicle repair shops to be selected within a preset range of the accident site;

selecting one of the vehicle repair factories to be selected to recommend to the client according to a preset recommendation rule; and

and if the client confirms the recommended candidate vehicle repair shop, setting the recommended candidate vehicle repair shop as a target vehicle repair shop.

In one embodiment, the determining claim materials required for vehicle self-service claim settlement based on the vehicle insurance information and prompting the client to send a claim video containing the claim materials comprises:

acquiring policy data in the vehicle insurance information, and performing video verification on the vehicle of the client based on the policy data; and

and after the video verification passes, determining claim materials required by vehicle self-service claim settlement based on the vehicle insurance information, and prompting the client to send a claim video containing the claim materials.

In one embodiment, the obtaining policy data in the vehicle insurance information and performing video verification on the vehicle of the client based on the policy data includes:

acquiring a prestored vehicle identification in the policy data;

prompting the client to send a verification video containing the current vehicle identification; and

and acquiring the verification video, comparing whether the current vehicle identification is consistent with the prestored vehicle identification, and if so, enabling the vehicle of the client to pass the video verification.

In order to achieve the above object, an embodiment of the present application further provides a video-based self-service car insurance claim settlement device, where the video-based self-service car insurance claim settlement device includes:

the receiving and obtaining module is used for receiving a vehicle insurance claim settlement request sent by a client and obtaining vehicle insurance information in the vehicle insurance claim settlement request;

the video communication module is used for establishing video communication with the client;

the determination prompting module is used for determining claim materials required by vehicle self-service claim settlement based on the vehicle insurance information and prompting the client to send a claim video containing the claim materials;

the claim settlement material acquisition module is used for acquiring the claim settlement materials based on the claim settlement video;

the vehicle damage assessment module is used for carrying out vehicle damage assessment based on the claim settlement materials;

the result sending module is used for obtaining a loss assessment result and sending the loss assessment result to the client; and the number of the first and second groups,

and the self-service claim settlement module is used for receiving feedback information sent by the client based on the damage assessment result so as to finish self-service claim settlement of the vehicle insurance.

In order to achieve the above object, an embodiment of the present application further provides a vehicle insurance self-service claim settlement device, which includes a memory, a processor, and a video-based vehicle insurance self-service claim settlement program stored in the memory and operable on the processor, where when the processor executes the video-based vehicle insurance self-service claim settlement program, the video-based vehicle insurance self-service claim settlement method according to any one of the above items is implemented.

In order to achieve the above object, an embodiment of the present application further provides a computer-readable storage medium, on which a video-based vehicle insurance self-help claim program is stored, where the video-based vehicle insurance self-help claim program is executed by a processor to implement any one of the above video-based vehicle insurance self-help claim methods.

According to the video-based vehicle insurance self-service claims settlement method, after a vehicle insurance claims request of a client is received, video communication connection is established with the client, and vehicle damage is settled based on the claims materials obtained from the claims videos, so that the authenticity of the claims materials can be improved, the possibility of counterfeiting of the claims materials is greatly reduced, and the risk of vehicle insurance self-service claims settlement is favorably reduced; meanwhile, the claim settlement materials are obtained by the claim settlement end based on the claim settlement video, so that the operation required for uploading the claim settlement materials by a client user can be reduced, the complexity of self-service claim settlement of the user is simplified, and the use experience of the user is promoted. Therefore, compared with the general self-service car insurance claim settlement, the video-based self-service car insurance claim settlement method has the advantages of low risk of claim settlement and good user experience.

Drawings

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

FIG. 1 is a block diagram of an embodiment of the auto insurance self-help claims settlement device of the present invention;

FIG. 2 is a schematic flow chart illustrating an embodiment of a video-based auto insurance claim settlement method according to the present invention;

FIG. 3 is a schematic flow chart illustrating another embodiment of the video-based auto insurance claim settlement;

FIG. 4 is a schematic flow chart illustrating a video-based auto insurance claim settlement method according to another embodiment of the present invention;

FIG. 5 is a schematic flow chart illustrating a video-based auto insurance claim settlement process according to another embodiment of the present invention;

fig. 6 is a block diagram of an embodiment of the video-based auto insurance claim settlement device.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

For a better understanding of the above technical solutions, exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

It should be noted that in the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.

As shown in fig. 1, fig. 1 is a schematic structural diagram of a server 1 (a self-service claim settlement device for car insurance) in a hardware operating environment according to an embodiment of the present invention.

The server provided by the embodiment of the invention comprises equipment with a display function, such as Internet of things equipment, an intelligent air conditioner with a networking function, an intelligent lamp, an intelligent power supply, AR/VR equipment with a networking function, an intelligent sound box, an automatic driving automobile, a PC, a smart phone, a tablet personal computer, an electronic book reader, a portable computer and the like.

As shown in fig. 1, the server 1 includes: memory 11, processor 12, and network interface 13.

The memory 11 includes at least one type of readable storage medium, which includes a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, and the like. The memory 11 may in some embodiments be an internal storage unit of the server 1, for example a hard disk of the server 1. The memory 11 may also be an external storage device of the server 1 in other embodiments, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, provided on the server 1.

Further, the memory 11 may also include both an internal storage unit of the server 1 and an external storage device. The memory 11 may be used not only to store application software installed in the server 1 and various kinds of data, such as codes of the video-based car insurance self-help claim program 10, but also to temporarily store data that has been output or will be output.

The processor 12, which in some embodiments may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor or other data Processing chip, is configured to execute program code or process data stored in the memory 11, such as executing the video-based auto insurance claims self-service program 10.

The network interface 13 may optionally comprise a standard wired interface, a wireless interface (e.g. WI-FI interface), typically used for establishing a communication connection between the server 1 and other electronic devices.

The network may be the internet, a cloud network, a wireless fidelity (Wi-Fi) network, a Personal Area Network (PAN), a Local Area Network (LAN), and/or a Metropolitan Area Network (MAN). Various devices in the network environment may be configured to connect to the communication network according to various wired and wireless communication protocols. Examples of such wired and wireless communication protocols may include, but are not limited to, at least one of: transmission control protocol and internet protocol (TCP/IP), User Datagram Protocol (UDP), hypertext transfer protocol (HTTP), File Transfer Protocol (FTP), ZigBee, EDGE, IEEE 802.11, optical fidelity (Li-Fi), 802.16, IEEE 802.11s, IEEE 802.11g, multi-hop communications, wireless Access Points (APs), device-to-device communications, cellular communication protocol, and/or BlueTooth (BlueTooth) communication protocol, or a combination thereof.

Optionally, the server may further comprise a user interface, which may include a Display (Display), an input unit such as a Keyboard (Keyboard), and an optional user interface may also include a standard wired interface, a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch device, or the like. The display, which may also be referred to as a display screen or display unit, is used for displaying information processed in the server 1 and for displaying a visualized user interface.

While fig. 1 shows only the server 1 with components 11-13 and the auto insurance self-settlement program 10, those skilled in the art will appreciate that the configuration shown in fig. 1 is not limiting to the server 1 and may include fewer or more components than shown, or some components in combination, or a different arrangement of components.

In this embodiment, the processor 12 may be configured to call the video-based auto insurance claim settlement program stored in the memory 11, and perform the following operations:

acquiring the claim material based on the claim video;

performing vehicle damage assessment based on the claim settlement materials;

the acquiring the claim material based on the claim video comprises:

obtaining the claim material from the video frame.

the claim material comprises a claim document and a damage document, and the obtaining the claim material from the key frame comprises:

the vehicle damage assessment based on the claim settlement material comprises:

the acquiring of the accident occurrence place and the target vehicle repair shop according to the accident occurrence place includes:

the method for determining claim materials required by vehicle self-service claim settlement based on the vehicle insurance information and prompting a client to send a claim video containing the claim materials comprises the following steps:

the obtaining policy data in the vehicle insurance information and performing video verification on the vehicle of the client based on the policy data comprises:

acquiring a prestored vehicle identification in the policy data;

Based on the hardware architecture of the server 1, the embodiment of the video-based vehicle insurance self-service claim settlement method is provided. The video-based vehicle insurance self-service claim settlement method aims to improve the safety of self-service claim settlement and simplify the operation complexity of a user in the self-service claim settlement process.

Referring to fig. 2, in an embodiment of the video-based vehicle insurance self-service claim settlement method of the present invention, the video-based vehicle insurance self-service claim settlement method includes the following steps:

s10, receiving a vehicle insurance claim settlement request of the client, acquiring vehicle insurance information from the vehicle insurance claim settlement request, and establishing video communication connection with the client.

Specifically, after a traffic accident occurs to a vehicle, a vehicle insurance claim settlement request is sent by a client, the vehicle insurance claim settlement request includes user identity information corresponding to the client, and the user identity information includes an account number which can verify the identity of the user, such as an identity card number, an account number, a mobile phone number or a WeChat, registered when the user commits insurance. After receiving a vehicle claim settlement request sent by a client, a claim settlement end (or a server) retrieves a preset insurance information base according to the user identity information to acquire vehicle insurance information. And if the claim end confirms that the video communication connection is carried out with the client, the claim end establishes video communication with the client. The request for establishing the video communication can be sent by the client to the claim end, or sent by the claim end to the client. The video communication comprises transmission of picture data and sound data so that a vehicle owner at a client communicates with a claim settlement person at a claim settlement end.

Specifically, in this embodiment, the claim end and the client end are connected in real-time video communication. It can be understood that the real-time video communication connection is adopted, so that the reality of video materials is improved, and the claim settlement personnel can obtain information of accident sites, so that the claim settlement personnel can conveniently make reasonable claim settlement judgment. Meanwhile, real-time video communication is also beneficial to information communication between claim settlement personnel and users, so that the communication efficiency is improved, and the time required by claim settlement is saved. Of course, the design of the present application is not limited to this, and in other embodiments, the communication connection between the claims end and the client end may also be a timed video communication. When the claim end and the client end carry out timing video communication, the claim end and the client end send timing videos to communicate with each other, and the communication is similar to WeChat voice.

S20, based on the vehicle insurance information, determining claim materials required by vehicle self-service claim settlement, and prompting the client to send a claim video containing the claim materials.

Specifically, after obtaining the vehicle insurance information, the claim settlement materials required for the current vehicle self-service claim settlement can be determined based on preset claim settlement rules, such as different insurance types and different insurance amounts. In this embodiment, the claim material required for the vehicle self-service claim includes a claim document and a damage-assessment document. The claim document is used for confirming and locking identity information, collection account information and the like of a user, and the loss assessment document is used for determining loss of the vehicle to obtain loss assessment amount. After the claims material is determined, the client can be prompted to send a claims video containing the claims material. In this embodiment, because the real-time video communication mode is adopted, after receiving the prompt, the client (a mobile phone, a tablet computer, a car recorder, or the like) can be aligned to the claim material, so as to transmit the claim video containing the claim material to the claim end in real time. Thus, the user only needs to take video shooting, and does not need to perform other operations. Therefore, when the claim is settled by self, the operation required for uploading claim materials by a client user is reduced, the complexity of self-service claim settlement of the user is simplified, and the use experience of the user is improved. Of course, the present disclosure is not limited thereto, and in other embodiments, the client may also shoot the timed video containing the claim material in a segmented manner according to the prompt of the claim end.

And S30, acquiring the claim material based on the claim video.

Specifically, after obtaining the claim settlement video sent by the client, the claim settlement end can obtain the claim settlement materials from the claim settlement video, so as to carry out the claim settlement work. It can be understood that no matter whether the client sends the claim video in real time or sends the claim video in segments, because video counterfeiting has the factors of high technical requirements, high time cost, high counterfeiting cost and the like, the reality of the claim material can be greatly improved by acquiring the claim material based on a video mode, so that the possibility of claim counterfeiting can be greatly reduced, and the risk of self-service claim settlement of car insurance is favorably reduced. It should be noted that compared with the way of sending the claim video in a segmented manner, the way of sending the claim video in real time can further improve the credibility of the claim material.

And S40, vehicle damage assessment is carried out based on the claim settlement materials.

Specifically, after the claim end acquires the claim material from the claim video, the vehicle damage assessment can be performed based on the claim material. Among these, the claim settlement material required for vehicle damage assessment is mainly a photograph of the damaged portion of the vehicle. After the car damage picture is obtained, the claims end can carry out deep recognition on the car damage picture, analyze accessories and/or working hours required by the maintenance of the vehicle according to the loss part and the loss degree obtained by recognition, and determine the vehicle insurance compensation amount according to the accessories and/or the working hours, namely the damage settlement compensation amount.

And S50, obtaining the loss assessment result and sending the loss assessment result to the client.

Specifically, the claims end performs vehicle damage assessment and obtains a vehicle damage assessment result, and then sends the vehicle damage assessment result to the client, and after the client receives the vehicle damage assessment result, a user of the client can confirm the damage assessment result (such as damage assessment amount, collection account number and the like). If the user of the client does not disagree on the loss assessment result, the user can feed back confirmation information to the claim settlement end, wherein the confirmation information mainly takes text information as main information, such as mails, short messages, communication software information and the like. For example, since the client performs real-time video communication with the claim settlement end in the claim settlement process, after receiving the damage assessment result, in order to confirm the damage assessment result, the video interface can be minimized on the client, and a new interface is opened to display the damage assessment result. If the user of the client confirms the damage assessment result without error, signature authorization can be carried out on the new interface, and the signature authorization is sent back to the claim settlement end as a confirmed result. And in order to facilitate communication with the claim settlement end, the client returns the video communication interface again after returning the confirmation result.

And S60, receiving feedback information sent by the client based on the damage assessment result to finish automatic claims settlement of the car insurance.

Specifically, the claim settlement end receives feedback information sent by the client based on the vehicle damage assessment result, if the feedback information is that the user of the client does not disagree with the damage assessment result, the vehicle insurance claim settlement and payment waiting stage is started, and after vehicle repair is completed, the vehicle insurance claim settlement can be completed by transferring accounts collected by the user. And if the feedback information is that the user of the client proposes an objection to the loss assessment structure, returning to the vehicle loss assessment stage, re-acquiring a loss assessment result, and sending the newly acquired loss assessment result to the client again to wait for the confirmation of the client. The claim settlement end can determine damage to the vehicle for multiple times according to the feedback information of the client side until a user of the client side does not make objections to the damage determination result; or, when the number of times that the user of the client makes an objection to the vehicle damage assessment result is greater than the preset upper limit, the scheme of on-line claim settlement is abandoned, and the scheme of off-line claim settlement is executed.

According to the video-based vehicle insurance self-service claim settlement method, after a vehicle insurance claim settlement request of a client is received, video communication connection is established with the client, and vehicle damage assessment is carried out based on claim settlement materials obtained from the claim settlement video, so that the authenticity of the claim settlement materials can be improved, the possibility of counterfeit claim settlement materials is greatly reduced, and the risk of self-service claim settlement of vehicle insurance is reduced; meanwhile, the claim settlement materials are obtained by the claim settlement end based on the claim settlement video, so that the operation required for uploading the claim settlement materials by a client user can be reduced, the complexity of self-service claim settlement of the user is simplified, and the use experience of the user is promoted. Therefore, compared with the general self-service car insurance claim settlement, the video-based self-service car insurance claim settlement method has the advantages of low risk of claim settlement and good user experience.

As shown in fig. 3, in an embodiment, the determining claim materials required for vehicle self-service claim settlement based on the vehicle insurance information and prompting the client to send a claim video containing the claim materials includes:

and S21, acquiring policy data in the vehicle insurance information, and performing video verification on the vehicle of the client based on the policy data.

Specifically, the vehicle insurance information contains insurance policy data when the user applies insurance, the insurance policy data contains identification information of vehicles, video verification can be carried out on the accident vehicle according to the identification so as to verify whether the current accident vehicle is consistent with the client insurance vehicle, the condition that the current accident vehicle is inconsistent with the insurance vehicle is avoided, and the risk of self-service claim settlement is further reduced. Compared with the modes of short message verification, picture verification and the like, the video verification is beneficial to improving the authenticity of the accident vehicle information so as to improve the accuracy of vehicle verification.

And S22, after the video verification is passed, determining claim materials required by vehicle self-service claim settlement based on the vehicle insurance information, and prompting the client to send a claim video containing the claim materials.

Specifically, if the video verification passes, the current accident vehicle is proved to be consistent with the client insurance vehicle, and at this time, the claim settlement materials required by the self-service claim settlement of the vehicle can be determined based on the vehicle insurance information, and the client is prompted to send the claim settlement video containing the claim settlement materials.

s211, obtaining the pre-stored vehicle identification in the policy data.

Specifically, after acquiring the vehicle insurance information of the user corresponding to the client, the claim settlement end can acquire the policy data of the vehicle from the vehicle insurance information, and further acquire the pre-stored vehicle identifier in the policy data, wherein the pre-stored vehicle identifier is the identifier information of the vehicle when the user commits the insurance. The pre-stored Vehicle Identification may be at least one of a license plate Number or a Vehicle Identification Number (VIN) of the Vehicle.

S212, prompting the client to send a verification video containing the current vehicle identification.

Specifically, after the pre-stored vehicle identification is obtained, the claim settlement end sends prompt information to the client to prompt the user to send a verification video containing the vehicle identification information of the current accident vehicle. The vehicle identification information in the verification video needs to belong to the same category of identification information as the prestored vehicle identification. In the claim processing process, the client and the claim settlement end can be in real-time video communication connection, so that after receiving the prompt information, the client (a mobile phone, a tablet computer, a vehicle event recorder and the like) can be aligned to the identification information on the current accident vehicle so as to transmit the verification video to the claim settlement end in real time. Therefore, the user only needs to shoot videos and does not need to execute other operations, so that the operation flow and the operation difficulty of the user can be reduced when the claim is settled by self, and the use experience of the user is improved. Of course, the present disclosure is not limited thereto, and in other embodiments, the client may also send a timing video containing vehicle identification information according to a prompt of the claim settlement end.

S213, obtaining the verification video, comparing whether the current vehicle identification is consistent with the pre-stored vehicle identification, and if so, the vehicle of the client passes the video verification.

Specifically, after the verification video sent by the client is received, vehicle identification information in the verification video and pre-stored vehicle identification information in the vehicle insurance policy data can be compared, and if the vehicle identification information in the verification video and the pre-stored vehicle identification information in the vehicle insurance policy data are consistent, the vehicle of the client passes through video verification, and subsequent claim settlement can be carried out. After the client acquires the verification video, the client can intercept the video frame containing the current vehicle identification in the verification video in a screenshot mode and store the video frame as a file in a picture format. After that, the current vehicle identifier can be recognized from the saved picture through an optical character recognition technology (i.e., an OCR technology), and the recognized current vehicle identifier is compared with the pre-stored vehicle identifier to verify whether the current accident vehicle is consistent with the insurance vehicle. Of course, in other embodiments, it may also be determined whether the current vehicle identifier is consistent with the pre-stored vehicle identifier through a manual identification manner.

In one embodiment, after the video verification passes, determining claim materials required for vehicle self-service claim settlement based on the vehicle insurance information, and prompting the client to send a claim video containing the claim materials, includes:

and S221, obtaining a claim document and a loss assessment document required by vehicle claims after the vehicle passes the verification.

Specifically, after the vehicle passes the verification, the claim end obtains a claim document and a damage-assessment document required by the vehicle claim. Wherein the claim document is a claim document which refers to a document that the insured should deliver when claiming a claim from the insurer for loss under the insurance policy term. The claim documents typically include a driving license, the vehicle owner's collection bank card number, and the like. The damage assessment documents are damage assessment materials required for vehicle damage assessment, and need to fully and specifically represent details of damaged parts of the vehicle so as to determine the damage degree of the vehicle and to assess the damage of the vehicle. The immobilization document typically includes a photograph of the damaged portion of the vehicle.

S222, prompting the client to send a claim settlement video containing the claim documents and the damage assessment documents.

Specifically, since the claim document and the damage assessment document are different, the prompt information corresponding to different documents is different, and the client may send videos containing different claim settlement materials to the claim settlement end according to the difference of the prompt information. In the embodiment, the client and the claim settlement end establish real-time video communication, so that the client can shoot different objects after receiving the corresponding prompt.

As shown in fig. 4, in an embodiment, the acquiring the claim material based on the claim video includes:

and S31, intercepting the video frames containing the claim materials in the claim video.

Specifically, the received claim video is played, and when claim materials appear in the claim video, video frames containing the claim materials are intercepted. Specifically, whether claim materials appear in the claim video or not can be identified in a manual mode, and whether the claim materials appear in the claim video or not can also be identified in a manual intelligent mode. The operation of intercepting the video frame containing the claim material is executed after the claim end receives a screenshot instruction, wherein the screenshot instruction can be received from manual input of a claim settlement worker or from a processor of the claim settlement end.

And S32, acquiring the claim material from the video frame.

Specifically, after a video frame containing the claim material is captured, the claim material can be obtained from the video frame.

It can be understood that by means of intercepting the video frames to obtain the required claim materials from the claim video, the calculation amount required for obtaining the claim materials can be reduced, and the obtained video frames can be saved to retain the claim materials, so that the later review is facilitated.

Specifically, the acquiring the claim material from the key frame includes:

s321, when the claim material is a claim document, extracting the claim document information from the key frame by an optical character recognition technology.

Specifically, an optical character recognition technology (i.e., an OCR technology) is a technology for recognizing and extracting text and picture information from a picture. In this embodiment, the claim document includes a driving license, bank card account information of a vehicle owner, and the like, and therefore, after the video frame is obtained, text information and picture information in the video frame can be identified and extracted through the OCR technology to obtain a corresponding claim document, and further, automatic obtaining and filling of the claim document can be realized. Of course, in other embodiments, it may also be determined whether the current vehicle identifier is consistent with the pre-stored vehicle identifier through a manual identification manner.

And S322, when the claim settlement material is a loss assessment document, acquiring the vehicle loss part in the key frame, and storing the key frame as a vehicle loss photo.

Specifically, when the claim material is a loss assessment document, the video frame is saved as a car loss picture. In this case, the damaged portion of the vehicle can be determined from the vehicle damage picture, and the vehicle can be further damaged.

Further, the video-based car insurance self-service claim settlement method further comprises the following steps: after the claim materials are obtained, the claim materials are stored in corresponding claim tasks according to the category of the claim materials.

Specifically, the claim material generally includes a claim document and a loss assessment document, and the claim task generally includes a survey task and a loss assessment task, wherein part of the claim document can be used only for the survey task, such as a bank card account number, and part of the claim document can be used for both the survey task and the loss assessment task, such as a driving license and a driving license. The damage assessment documents are only used in damage assessment tasks, such as car damage photos. It can be understood that the claim materials are stored in the corresponding claim tasks according to the categories, so that the review of the claim materials can be facilitated, and the comparison between the claim materials and scenes can be performed when the offline claim has to be performed, so that the offline claim processing can be facilitated.

As shown in fig. 5, in an embodiment, the step of performing vehicle damage assessment based on claim material specifically includes:

and S41, acquiring the accident occurrence address, and acquiring the target vehicle repair shop according to the accident occurrence address.

Specifically, since the vehicle insurance claim is mainly obtained based on the vehicle repair, the cost of the vehicle repair is required based on the parts and/or man-hours required for the vehicle repair, and the amount of the parts and/or man-hours required for the repair is different depending on the vehicle repair shop. Therefore, when the vehicle damage assessment is performed, it is necessary to determine the vehicle damage assessment based on the determined parts and man-hours required for the vehicle repair shop and maintenance. And the vehicle repair shop is determined according to the accident occurrence place, so that the vehicle can be transported to the vehicle repair shop for maintenance in as short time as possible, and the time for vehicle insurance claim settlement is shortened.

And S42, determining the accessories and/or working hours required by vehicle maintenance according to the damage assessment document after the damage assessment document is obtained.

Specifically, in this embodiment, after obtaining the car damage photo, the claimant (or through the server) decomposes the car damage photo into pictures to determine the damaged part name and/or the damaged area information; and traversing and matching the damaged part name and/or the damaged area information with a preset vehicle damage assessment database to obtain the accessories and/or the working hours required by vehicle maintenance.

And S43, obtaining a damage assessment result based on the accessories and/or the working hours and the target vehicle repair shop.

Specifically, after the target vehicle repair shop is determined, the prices of the parts and/or the man-hours required for repairing the vehicle can be obtained from the target vehicle repair shop, and the amount of money required for vehicle repair can be determined, so that the vehicle damage assessment result can be obtained.

It should be noted that in other embodiments, the parts and/or man-hours required for vehicle repair may be determined before the target vehicle repair shop is determined.

Specifically, in one embodiment, the acquiring the accident occurrence location and, according to the accident occurrence location, the acquiring the target vehicle repair shop includes:

s411, acquiring the address of an accident site, and acquiring all vehicle repair shops to be selected within a preset range of the accident site;

specifically, the accident occurrence address may be sent to a claims settlement end while the client sends out a vehicle insurance claims settlement request; or in the claim settlement process, after the claim settlement end sends a request to the client, the client sends the request to the claim settlement end. After the claims settlement end obtains the accident occurrence address, all the vehicle repair factories to be selected in the preset range of the vehicle repair city can be obtained. The preset range is different according to the section of the accident site and/or the accident time section. For example, if an accident occurs near the downtown and/or the accident occurs in a rush hour, the preset range is set to be small, such as 1km to 2 km. The preset range is set to be large, such as 2km to 5km, if the accident occurs in a suburban area and/or the accident occurs in a regular time zone.

S412, selecting one of the vehicle repair factories to be selected according to a preset recommendation rule and recommending the selected vehicle repair factory to the client.

Specifically, after all the repair shops within a preset range of the accident site are obtained, the claims settling end recommends a vehicle repair shop to the client according to preset recommendation rules. The preset recommendation rule may be at least one of a distance rule, a network evaluation rule, and a charging rule.

And S413, if the client confirms the recommended candidate vehicle repair shop, setting the recommended candidate vehicle repair shop as a target vehicle repair shop.

Specifically, after the client determines a recommended vehicle repair shop, the vehicle repair shop is set as a target vehicle repair shop. And if the client side does not confirm the recommended vehicle repair shop, selecting a new vehicle repair shop from the preset range of the accident site to recommend to the client side.

In an embodiment, the receiving client sends feedback information based on the damage assessment result to complete automatic claims settlement of vehicle insurance, including:

and S61, if the client sends the confirmed feedback information based on the loss assessment result, comparing the loss assessment amount in the loss assessment result with the preset amount.

Specifically, if the client feeds back the confirmation information, it indicates that the client keeps accepting the loss assessment result, and at this time, the claim settlement end may compare the loss assessment amount in the loss assessment result with the preset amount. The preset amount is obtained by integrating various factors such as vehicle insurance amount, insurance type, insurance vehicles and the like of the insurance company, and can be adjusted adaptively according to different actual conditions.

S62, if the loss settlement amount is smaller than or equal to the preset amount, the online claim is passed, and a stage of waiting for payment of the claims and reimbursements is entered;

specifically, if the loss settlement amount is less than or equal to the preset amount, it is indicated that the loss settlement amount obtained by the online settlement is smaller and conforms to the amount expected by the insurance company, and at this time, the online settlement passes. And after the survey task and the damage assessment task are sent, entering a stage of paying the claim reimbursement, and finishing the claim reimbursement after the claim reimbursement is paid.

And S63, if the loss settlement amount is larger than the preset amount, passing the online claim settlement and entering an offline claim settlement stage.

Specifically, if the loss settlement amount is greater than the preset amount, it indicates that the loss settlement amount obtained by the online claim settlement is larger than the amount expected by the insurance company, and in order to reduce the risk of claim settlement, the online claim settlement does not pass, and offline claim settlement is required. The process of off-line claim settlement can also be completed on the end of claim, and is different from on-line claim settlement in that tasks such as survey, damage assessment and the like require on-site evidence collection and on-site confirmation of claim settlers, and the claim settlement is finished after the off-line claim settlement is completed.

In addition, referring to fig. 6, an embodiment of the present invention further provides a video-based vehicle insurance self-service claim settlement apparatus, where the video-based vehicle insurance self-service claim settlement apparatus includes:

the receiving and obtaining module 110 is configured to receive a vehicle insurance claim settlement request sent by a client, and obtain vehicle insurance information in the vehicle insurance claim settlement request;

a video communication module 120, configured to establish video communication with a client;

the determination prompting module 130 is used for determining claim materials required for vehicle self-service claim settlement based on the vehicle insurance information, and prompting the client to send a claim video containing the claim materials;

the claim material acquisition module 140 is configured to acquire the claim material based on the claim video;

a vehicle damage assessment module 150 for vehicle damage assessment based on the claim settlement materials;

a result sending module 160, configured to obtain a loss assessment result, and send the loss assessment result to a client; and the number of the first and second groups,

and the self-service claim settlement module 170 is configured to receive feedback information sent by the client based on the damage assessment result, so as to complete self-service claim settlement of the vehicle insurance.

The steps implemented by each functional module of the video-based self-service claims settlement device for vehicle insurance can refer to each embodiment of the video-based self-service claims settlement method for vehicle insurance, and are not described herein again.

In addition, the embodiment of the present invention further provides a computer-readable storage medium, which may be any one of or any combination of a hard disk, a multimedia card, an SD card, a flash memory card, an SMC, a Read Only Memory (ROM), an Erasable Programmable Read Only Memory (EPROM), a portable compact disc read only memory (CD-ROM), a USB memory, and the like. The computer-readable storage medium includes a video-based self-service claims settlement program 10 for vehicle insurance, and the specific implementation of the computer-readable storage medium of the present invention is substantially the same as the above-mentioned video-based self-service claims settlement method for vehicle insurance and the specific implementation of the server 1, and will not be described herein again.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims

1. A video-based car insurance self-service claim settlement method is characterized by comprising the following steps:

acquiring the claim material based on the claim video;

performing vehicle damage assessment based on the claim settlement materials;

2. The video-based car insurance self-service claim settlement method according to claim 1, wherein the obtaining of the claim material based on the claim video comprises:

obtaining the claim material from the video frame.

3. The video-based vehicle insurance self-service claims settlement method of claim 2, wherein the claims material includes claims documents and damage documents, and the obtaining the claims material from the key frames includes:

4. The video-based vehicle insurance self-service claims settlement method of claim 1, wherein the vehicle damage assessment based on the claims material comprises:

5. The video-based vehicle insurance self-service claim settlement method according to claim 4, wherein the obtaining of the accident site and the obtaining of the target vehicle repair shop according to the accident site comprises:

6. The video-based vehicle insurance self-service claim settlement method, wherein the steps of determining claim materials required for vehicle self-service claim settlement based on the vehicle insurance information and prompting a client to send a claim video containing the claim materials comprise:

7. The video-based vehicle insurance self-service claim settlement method according to claim 6, wherein the obtaining policy data in the vehicle insurance information and performing video verification on the vehicle of the client based on the policy data comprises:

acquiring a prestored vehicle identification in the policy data;

8. The video-based vehicle insurance self-service claim settlement device is characterized by comprising the following components:

9. A vehicle insurance self-help claim settlement device, which comprises a memory, a processor and a video-based vehicle insurance self-help claim settlement program stored on the memory and running on the processor, wherein the video-based vehicle insurance self-help claim settlement program executed by the processor realizes the video-based vehicle insurance self-help claim settlement method according to any one of claims 1 to 7.

10. A computer-readable storage medium, on which a video-based vehicle insurance self-help claim program is stored, wherein the video-based vehicle insurance self-help claim program, when executed by a processor, implements the video-based vehicle insurance self-help claim method according to any one of claims 1 to 7.