CN112990158A

CN112990158A - Car insurance data processing method and device, computer equipment and storage medium

Info

Publication number: CN112990158A
Application number: CN202110525089.3A
Authority: CN
Inventors: 詹永涛; 刘小东; 冯洋
Original assignee: Taiping Financial Technology Services Shanghai Co Ltd Shenzhen Branch
Current assignee: Taiping Financial Technology Services Shanghai Co Ltd Shenzhen Branch
Priority date: 2021-05-14
Filing date: 2021-05-14
Publication date: 2021-06-18

Abstract

The application relates to a vehicle insurance data processing method and device, computer equipment and a storage medium. The method comprises the following steps: receiving a vehicle insurance data processing request, wherein the vehicle insurance data processing request carries vehicle type information; acquiring and displaying a visual vehicle model corresponding to the vehicle type information; receiving a region selection instruction for the visual vehicle model, and acquiring accessory information of a region corresponding to the region selection instruction; and generating damage assessment information according to the acquired accessory information. The method can improve the efficiency.

Description

Car insurance data processing method and device, computer equipment and storage medium

Technical Field

The present application relates to the field of artificial intelligence technologies, and in particular, to a method and an apparatus for processing vehicle insurance data, a computer device, and a storage medium.

Background

With the development of artificial intelligence technology, technologies such as online damage assessment and claim settlement appear, and a user who buys insurance can carry out insurance claim settlement online through equipment such as a terminal, so that the claim settlement time is greatly saved, and the life is facilitated.

In the conventional technology, when a damage assessment worker carries out claims settlement on a vehicle in danger, the damaged part of the vehicle needs to be actively checked, then the corresponding part is obtained through keyword or classification inquiry, and the corresponding information such as working hours and the like is inquired according to the obtained part.

However, in the damage assessment process, it is necessary for the damage assessment personnel to actively recognize the vehicle parts, remember the names of the parts, and then go to the system for a little-point query according to the memory, which is inefficient.

Disclosure of Invention

In view of the above, it is necessary to provide a method, an apparatus, a computer device and a storage medium for processing vehicle insurance data, which can improve efficiency.

A method of vehicle insurance data processing, the method comprising:

receiving a vehicle insurance data processing request, wherein the vehicle insurance data processing request carries vehicle type information;

acquiring and displaying a visual vehicle model corresponding to the vehicle type information;

receiving a region selection instruction for the visual vehicle model, and acquiring accessory information of a region corresponding to the region selection instruction;

and generating damage assessment information according to the acquired accessory information.

In one embodiment, the receiving a region selection instruction for the visualized vehicle model and acquiring accessory information of a region corresponding to the region selection instruction includes:

receiving a region selection instruction aiming at the visual vehicle model, and acquiring a selection region corresponding to the region selection instruction;

calculating an overlap region of the selection region and the visual vehicle model;

and acquiring the accessory information corresponding to the overlapping area.

In one embodiment, the visual vehicle model is divided into a plurality of accessory regions in advance; the calculating of the overlap region of the selection region and the visualized vehicle model comprises:

and acquiring an accessory region with intersection with the selection region as an overlapping region.

In one embodiment, the display mode of the accessory corresponding to the accessory region includes:

acquiring the accessory utilization rate of each accessory area corresponding to the overlapping area;

and displaying the accessories according to the accessory utilization rate.

In one embodiment, the method further comprises:

receiving input survey data and settlement information through a preset page, wherein the preset page comprises a survey data input module, a settlement information input module and a loss assessment information input module;

and receiving a vehicle insurance data uploading instruction, and uploading the survey data, the settlement information and the loss assessment information to a server according to the vehicle insurance data uploading instruction.

In one embodiment, the method further comprises:

the method comprises the steps of collecting group photo images of people and vehicles, sending the group photo images to a server, enabling the server to conduct face recognition on the group photo images to obtain face images, conducting text recognition on the group photo images to obtain license plates, and conducting claim settlement processing according to the obtained face images and the license plates.

In one embodiment, the capturing a group image of a person and a vehicle includes:

identifying current environmental information;

generating a face positioning frame and a vehicle positioning frame according to the current environment information;

and when the face exists in the face positioning frame and the license plate exists in the vehicle positioning frame, acquiring a group photo image of the person and the vehicle.

A vehicle insurance data processing apparatus, the apparatus comprising:

the vehicle insurance data processing system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a vehicle insurance data processing request, and the vehicle insurance data processing request carries vehicle type information;

the display module is used for acquiring and displaying a visual vehicle model corresponding to the vehicle type information;

the accessory selection module is used for receiving a region selection instruction aiming at the visual vehicle model and acquiring accessory information of a region corresponding to the region selection instruction;

and the damage assessment information generating module is used for generating damage assessment information according to the acquired accessory information.

A computer device comprising a memory storing a computer program and a processor implementing the steps of the method described above when executing the computer program.

A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method.

According to the method and the device for processing the automobile insurance data, the computer equipment and the storage medium, the visual vehicle model is displayed, so that the user can select the corresponding area according to needs and further automatically acquire the accessory information of the corresponding area, damage assessment information is generated, extra operations such as inquiry are not needed, and the efficiency is improved.

Drawings

FIG. 1 is a diagram of an exemplary embodiment of a vehicle insurance data processing method;

FIG. 2 is a flow chart illustrating a method for processing vehicle insurance data according to an embodiment;

FIG. 3 is a diagram of a car insurance data processing page, under an embodiment;

FIG. 4 is a schematic diagram of a visualization vehicle model in one embodiment;

FIG. 5 is a schematic illustration of a damage program in one embodiment;

FIG. 6 is a zone division diagram in one embodiment;

FIG. 7 is an overall timing diagram of the survey process in one embodiment;

FIG. 8 is a block diagram showing the construction of a vehicle insurance data processing apparatus according to an embodiment;

FIG. 9 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The car insurance data processing method provided by the application can be applied to the application environment shown in fig. 1. The terminal 102 communicates with the server 104 through a network, wherein the terminal 102 may receive an input vehicle insurance data processing request, the vehicle insurance data processing request carries vehicle type information, so that the terminal 102 may obtain and display a visual vehicle model corresponding to the vehicle type information from the server 104, and the terminal 102 receives a region selection instruction for the visual vehicle model and obtains accessory information of a region corresponding to the region selection instruction, so that the terminal 102 may generate damage assessment information according to the obtained accessory information, and subsequently, the terminal 102 may upload the damage assessment information to the server 104. Therefore, by displaying the visual vehicle model, the user can select the corresponding area as required and further automatically acquire the accessory information of the corresponding area, so that damage assessment information is generated, extra operations such as inquiry are not needed, and the efficiency is improved. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and the server 104 may be implemented by an independent server or a server cluster formed by a plurality of servers.

In one embodiment, as shown in fig. 2, a method for processing vehicle insurance data is provided, which is described by taking the method as an example for being applied to the terminal in fig. 1, and includes the following steps:

s202: and receiving a vehicle insurance data processing request, wherein the vehicle insurance data processing request carries vehicle type information.

Specifically, the car insurance data processing request can be generated by clicking a specific button on a display interface of the terminal by a user. Referring to fig. 3, fig. 3 is a schematic diagram of a car insurance data processing page in an embodiment, where the page is a one-stop page and includes survey, loss assessment, document accounting information, and the like, and specifically, referring to fig. 3, the page sequentially shows a case type, survey information, loss information, subject car loss, accounting information, and the like, and a user may sequentially click an edit button for interpreting the information to edit. The survey information refers to basic information of a survey task, the loss information refers to assessment loss information of the survey task, the vehicle loss information refers to basic information, accessories, working hours and auxiliary material information of a designated loss task, and the accounting information refers to document accounting information.

In this embodiment, a specific editing manner of damage assessment information is mainly given, where when the terminal receives an instruction that a user clicks a "remove damage assessment" button, that is, receives a request for processing vehicle insurance data, the terminal may acquire vehicle type information obtained through survey, that is, survey information input by the user and received by the terminal includes vehicle type information, so that after the terminal receives the request for processing vehicle insurance data, the terminal acquires vehicle type information, for example, information such as a model of a vehicle, for example, 2011 year-brand-model.

S204: and acquiring and displaying a visual vehicle model corresponding to the vehicle type information.

Specifically, the visual vehicle model is generated in advance, the vehicle model is divided into 12 common parts according to the vehicle type of the vehicle, and the damaged parts of the visual vehicle model can be clicked or selected in a circle mode for inquiry.

The terminal can store the visual vehicle model to the local in advance, and after the vehicle model information is obtained, the visual vehicle model is obtained through local matching. Or the visual model is stored in the server, so that the terminal sends the vehicle type information to the server after acquiring the vehicle type information each time, for example, after acquiring the vehicle type information through survey, the vehicle type information can be asynchronously sent to the server, so that the server queries the visual model corresponding to the vehicle type information and sends the visual model to the terminal, and the terminal can directly acquire the visual vehicle model which is stored recently in the cache after receiving the vehicle insurance data processing request.

The step of matching the corresponding visual vehicle model in the terminal and the server through the vehicle type information may include: firstly, matching is carried out through brand information to obtain corresponding visual vehicle models, and if only 1 visual vehicle model is obtained, the successfully matched visual vehicle model is directly obtained to serve as a final model. If the number of the visual vehicle models is multiple, the visual vehicle models can be continuously matched by the year, if the number of the visual vehicle models obtained by matching by the year is only 1, the visual vehicle models which are successfully matched are directly obtained to serve as final models, otherwise, the visual vehicle models are continuously matched by the models, if the number of the visual vehicle models obtained by matching by the models is only 1, the visual vehicle models which are successfully matched are directly obtained to serve as final models, and if not, the visual vehicle models are continuously matched by the displacement of the vehicle and the manual gear or the automatic gear until the matching is completed.

Specifically, referring to fig. 4, fig. 4 is a schematic diagram of a visualized vehicle model in an embodiment, wherein the visualized vehicle model is divided into 12 parts, including: front center, front right side, right front side frame, right rear side frame, rear right side, rear center, rear left side, left rear side frame, left front side frame, front left side, top, and bottom. The division of the 12 parts is based on the conventional damage assessment data and the data analysis of the collision part at risk, and the most worried about the division into front, middle, rear, top and bottom, and then the 12 parts are gradually formed.

S206: an area selection instruction for the visual vehicle model is received, and accessory information of an area corresponding to the area selection instruction is acquired.

Specifically, the area selection instruction may be input by the user, for example, by clicking to select one or more of the 12 portions, or by forming a closed or non-closed area in a circling manner, so that the terminal determines one or more portions corresponding to the 12 portions according to the closed or non-closed area.

The accessory information is accessory detailed information, labor hour information and external repair information of the area corresponding to the area selection instruction returned by the terminal, so that the items of the replacement and the labor hour can be selected at the same time, the user does not need to select the labor hour information after selecting the replacement information, operation steps are reduced, and efficiency is improved.

S208: and generating damage assessment information according to the acquired accessory information.

Specifically, referring to fig. 5, fig. 5 is a schematic diagram of a damage assessment item in an embodiment, where after the terminal is matched to obtain the accessory information, the accessory information of the corresponding area is displayed, and the terminal may generate the damage assessment information according to the accessory information selected by the user, for example, if the user selects the rear bumper skin in fig. 5, the user continues to select "change", "disassemble", "paint", "sheet metal", or "repair", so that the corresponding damage assessment information may be generated directly according to the selection of the user.

According to the automobile insurance data processing method, the visual vehicle model is displayed, so that a user can select the corresponding area according to needs and further automatically acquire the accessory information of the corresponding area, damage assessment information is generated, extra operations such as inquiry are not needed, and efficiency is improved.

In one embodiment, receiving a region selection instruction for a visual vehicle model and acquiring accessory information of a region corresponding to the region selection instruction comprises: receiving a region selection instruction for the visual vehicle model, and acquiring a selection region corresponding to the region selection instruction; calculating an overlapping area of the selection area and the visual vehicle model; and acquiring the accessory information corresponding to the overlapping area.

Specifically, referring to fig. 6, fig. 6 is a region division diagram in an embodiment, in which a terminal receives a region delineating instruction input by a user, so that the terminal first acquires a closed region according to the region delineating instruction, and if the closed region is a non-closed region, acquires a maximum circumscribed outline corresponding to the non-closed region, determines the closed region according to the maximum circumscribed outline, and then calculates an overlapping region between a selected region and a visual vehicle model. The overlapping region shown in fig. 6 intersects with both the part No. 1 and the part No. 11, so that the part No. 1 and the part No. 11 are used as the overlapping region, and the accessory information corresponding to the part No. 1 and the part No. 11 is acquired and displayed for the user to select. Wherein optionally the visual vehicle model is pre-divided into a plurality of accessory regions; calculating an overlap region of the selection region and the visualized vehicle model, comprising: and acquiring the accessory region with intersection with the selection region as an overlapping region.

Optionally, the display mode of the accessory corresponding to the accessory region includes: acquiring the accessory utilization rate of each accessory area corresponding to the overlapping area; and displaying the accessories according to the accessory utilization rate.

Specifically, each accessory information in the damage assessment task is ranked according to the utilization rate, and the more the clicking times are, the more the ranking result of the accessories is.

The generation of the usage rate may be that after generating the damage assessment information each time, the terminal starts an asynchronous thread, and sends the accessory information in the damage assessment information to the server, and the server modifies the usage rate of the corresponding accessory according to the received damage assessment information, and may associate with the collision location, for example, the server may establish an accessory usage rate table in which names of the accessories, the number of times the accessory is selected, and the degree of collision are given, where the accessory usage rate table may be generated by selecting service data in a preset time period for processing, for example, after 2018 years, specifically refer to table 1 and table 2 below, where table 1 is used to represent the accessories in the front-middle part, and table 2 is used to represent the accessories in the rear-side part:

table 1:

serial number	Name of accessory	Number of times accessories were selected	Mild degree of
				1	Front bumper cover	212395	Is that
2	Front headlight (Right)	109911	Is that
				3	Front headlight (left)	106810	Is that
4	Middle net	104927	Is that
				5	Engine hood	46626	Is that

TABLE 2

Serial number	Name of accessory	Number of times accessories were selected	Whether it is mild or not
				1	Rear bumper cover	111030	Is that
2	Tyre for vehicle wheels	36085	Is that
				3	Bumper support (rear left)	33802	Whether or not
4	Steel ring	25467	Is that
				5	Steering indicating light (rear left)	20867	Is that

In this way, after the terminal matches and determines the corresponding accessory area, the server obtains the corresponding table according to the determined accessory area, for example, the accessory area is matched with the name of the table to obtain the corresponding table, and then the server issues the table successfully matched to the terminal, so that the terminal displays the corresponding accessory information according to the table.

In addition, before sorting the accessories according to the accessory utilization rate, the terminal can select the range of the accessories according to the estimated loss and the accident type, for example, the light accessories are preferentially displayed when a single-party accident occurs and the estimated loss is less than 1 ten thousand yuan (the reporting link can be obtained). In case of a multi-party accident (including both parties) and with an estimated loss of 1 ten thousand dollars, non-light fittings are preferentially shown. Major claims, priority show non-light accessories. In other cases, the light accessories are displayed by default.

In the above embodiments, the general selection accessories are queried through query keywords or classification, and the efficiency is low. In the embodiment, the vehicle model is divided into a plurality of parts, and the repair and replacement item can be inquired by clicking or circling the damaged part of the vehicle model, namely the repair and replacement item is associated with accessories, returned accessory detailed information and labor hour information, and the utilization rate of each accessory in the damage assessment task is ranked, and the more the clicking times, the more the accessory result inquired by the repair and replacement is.

In one embodiment, referring to fig. 7, fig. 7 is an overall timing diagram of the survey process in one embodiment, which mainly includes the following steps:

firstly, after receiving a user report, a seat person inputs case information, secondly, the seat person inquires a survey staff schedule, dispatches the survey staff to the survey staff with the shortest distance from a place of danger, secondly, after receiving a task short message, the survey staff logs in a corresponding application program to receive a survey task and quickly attends to the site, and fourthly, after the survey staff arrives at the site, the site survey is carried out, and a picture is shot by using the application program. And a fifth surveyor uses the application program to enter a survey task, the system judges whether the survey is integrated, if so, the system is switched to a survey integrated page, namely the page shown in the figure 3, and the surveyor inputs basic survey information, loss information, damage assessment information and document information into the integrated page and finally submits the basic survey information, the loss information, the damage assessment information and the document information. And sixthly, the core system performs integrated check, the check and damage assessment information is submitted to the given core damage system, and the core damage assessment system automatically submits the check and damage assessment tasks. If the loss amount is within the self-auditing authority range of the surveyor, the survey damage-assessment task automatically audits to pass, otherwise, manual audit is needed. And finally, after the investigation and damage assessment are passed, the core submission and settlement can be called, and for the integrated case, automatic settlement, automatic claim verification and automatic settlement can be realized.

In one embodiment, please continue to refer to fig. 3, the method for processing vehicle insurance data further includes: receiving input survey data and settlement information through a preset page, wherein the preset page comprises a survey data input module, a settlement information input module and a loss assessment information input module; and receiving a vehicle insurance data uploading instruction, and uploading the survey data, the settlement information and the loss assessment information to a server according to the vehicle insurance data uploading instruction.

Fig. 3 is a schematic diagram of a car insurance data processing page in an embodiment, where the page is a one-stop page and includes survey, damage assessment, document accounting information, and the like, and specifically, referring to fig. 3, the page sequentially shows the edit buttons for displaying the case type, survey information, loss information, target car damage, accounting information, and the like, and the user can sequentially click on the information to edit. The survey information refers to basic information of a survey task, the loss information refers to assessment loss information of the survey task, the vehicle loss information refers to basic information, accessories, working hours and auxiliary material information of a designated loss task, the adjustment information refers to document adjustment information, and in addition, when each accessory is put in storage, corresponding accessory areas need to be associated. If the headlight (right), then the associated region is the front right; bumper (front), then the associated zones are front right and front left.

Wherein, the general tasks of claim settlement, damage assessment and document verification are serialized, that is, the tasks of damage assessment and document verification can be performed after the investigation is completed. In the embodiment, the investigation, damage assessment and document task information are simplified into one page and submitted once, the system automatically submits the investigation, damage assessment and document task flows and finishes the claim settlement flow, so that the submission times are reduced, and the complexity of background processing is reduced.

In one embodiment, when an inspector carries out on-site survey, people and vehicles group photo is required, the background carries out face recognition according to a negative film corresponding to the number of the surveyed staff and the people and vehicles group photo, OCR (optical character recognition) is carried out on the people and vehicles group photo, the recognition result is compared with case information, and manual claims are required if the recognition result is inconsistent with the case information. The vehicle insurance information processing method may further include: the method comprises the steps of collecting group photo images of people and vehicles, sending the group photo images to a server, enabling the server to conduct face recognition on the group photo images to obtain face images, conducting text recognition on the group photo images to obtain license plate numbers, and conducting claim settlement processing according to the obtained face images and the license plate numbers.

The license plate number is identified by firstly identifying the position of the license plate, and specifically, the license plate can be positioned through the image edge and the license plate color. The following features of the license plate are specifically considered: the first characteristic is the geometric characteristic of the license plate, namely the shape of the license plate is unified into a rectangle with fixed length, width and height; the second characteristic is that the gray distribution of the license plate presents continuous trough-peak-trough distribution, because the color of the license plate is single and the characters are arranged linearly; the third characteristic is that the license plate histogram presents a double peak shape, namely, double peaks can be seen in the license plate histogram; the fourth characteristic is that the license plate has strong edge information, because characters of the license plate are relatively concentrated in the center of the license plate, and the edge of the license plate has no characters, the edge information of the license plate is strong; the fifth characteristic is that the character color of the license plate is contrasted with the background color of the license plate. Therefore, the terminal identifies the license plate through image identification of the license plate to determine the position of the license plate according to the characteristics, and performs OCR identification on the position after the position of the license plate is determined to determine the license plate number.

Specifically, the surveyor uses the corresponding application program to take a photo of the group photo of the person and the vehicle, and the photo is automatically uploaded to the background application system. The background application system firstly calls a face recognition system to determine the identity of the photo of the group photo of the people and the vehicle, and judges whether the face of the negative of the work number is consistent with the face of the group photo of the people and the vehicle. And secondly, calling an OCR recognition system to recognize the license plate number, and judging whether the license plate number of the case is consistent with the license plate number of the group photo of people and vehicles. The results are saved in the core system. When the claims are submitted, the rule of whether the person-vehicle group photo comparison is consistent or not is carried out, and if the person-vehicle group photo comparison is inconsistent, manual claims checking is required.

Optionally, in order to improve the accuracy of the captured group photo image, the step of capturing the group photo image of the person and the vehicle includes: identifying current environmental information; generating a face positioning frame and a vehicle positioning frame according to the current environment information; and when the face exists in the face positioning frame and the license plate exists in the vehicle positioning frame, acquiring a group image of the person and the vehicle.

When the group photo image is shot, a shooting page has a square frame prompt, and a surveyor displays the face and the license plate number in the square frame as much as possible to take a picture. If the night or the light is dark, the flash lamp needs to be turned on. The box hint may also be to determine its own position according to the current environment information, for example, to move the box to an area with brightness greater than a preset value.

In addition, when a plurality of faces are positioned by the faces, an illegal situation is prompted. Therefore, on the legal premise, only one face exists, namely the surveyor. The human-vehicle group photo is to require the surveyor to arrive at the site for survey, and the surveyor and the lost vehicle group photo are needed to prove the arrival at the site.

In the above embodiment, in order to improve the accuracy of the group photo image, the face positioning frame and the vehicle positioning frame are preset, and the positions of the face positioning frame and the vehicle positioning frame are determined according to the environmental information, so that the accuracy and the definition of the acquired group photo image are improved.

It should be understood that, although the respective steps in the flowcharts in fig. 1 to 7 are sequentially shown as indicated by arrows, the steps are not necessarily performed sequentially in the order indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a portion of the steps in the flowcharts of fig. 1 to 7 may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the steps or stages is not necessarily sequential, but may be performed alternately or alternately with other steps or at least a portion of the steps or stages in other steps.

In one embodiment, as shown in fig. 8, there is provided a car insurance data processing apparatus including: the system comprises a receiving module 100, a display module 200, an accessory selection module 300 and a damage assessment information generation module 400, wherein:

the vehicle insurance data processing system comprises a receiving module 100, a processing module and a processing module, wherein the receiving module is used for receiving a vehicle insurance data processing request, and the vehicle insurance data processing request carries vehicle type information;

the display module 200 is used for acquiring and displaying a visual vehicle model corresponding to the vehicle type information;

the accessory selection module 300 is used for receiving a region selection instruction for the visual vehicle model and acquiring accessory information of a region corresponding to the region selection instruction;

and a damage assessment information generating module 400, configured to generate damage assessment information according to the acquired accessory information.

In one embodiment, the accessory selection module 300 may include:

the receiving unit is used for receiving a region selection instruction aiming at the visual vehicle model and acquiring a selection region corresponding to the region selection instruction;

an overlap region acquisition unit for calculating an overlap region of the selection region and the visualized vehicle model;

and the accessory information acquisition unit is used for acquiring the accessory information corresponding to the overlapping area.

In one embodiment, the visual vehicle model is divided into a plurality of accessory regions in advance; the overlapping area acquisition unit is also used for taking the part area with intersection with the selection area as the overlapping area.

In one embodiment, the accessory selection module 300 may further include:

the utilization rate acquisition unit is used for acquiring the accessory utilization rate of each accessory area corresponding to the overlapping area;

and the display unit is used for displaying the accessories according to the accessory utilization rate.

In one embodiment, the vehicle insurance data processing device further comprises:

the input module is used for receiving the input survey data and the settlement information through a preset page, and the preset page comprises a survey data input module, a settlement information input module and a loss assessment information input module;

and the uploading module is used for receiving the vehicle insurance data uploading instruction and uploading the survey data, the settlement information and the damage assessment information to the server according to the vehicle insurance data uploading instruction.

and the sending module is used for acquiring group photo images of people and vehicles, sending the group photo images to the server so that the server performs face recognition on the group photo images to obtain face images, performs text recognition on the group photo images to obtain license plate numbers, and performs claim settlement processing according to the obtained face images and license plate numbers.

In one embodiment, the sending module further includes:

an identifying unit for identifying current environment information;

the positioning frame generating unit is used for generating a face positioning frame and a vehicle positioning frame according to the current environment information;

and the acquisition unit is used for acquiring the group photo image of the person and the vehicle when the face exists in the face positioning frame and the license plate exists in the vehicle positioning frame.

For specific limitations of the vehicle insurance data processing device, reference may be made to the above limitations of the vehicle insurance data processing method, which are not described herein again. All or part of each module in the vehicle insurance data processing device can be realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 9. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless communication can be realized through WIFI, an operator network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a vehicle insurance data processing method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.

Those skilled in the art will appreciate that the architecture shown in fig. 9 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program: receiving a vehicle insurance data processing request, wherein the vehicle insurance data processing request carries vehicle type information; acquiring and displaying a visual vehicle model corresponding to vehicle type information; receiving a region selection instruction for the visual vehicle model, and acquiring accessory information of a region corresponding to the region selection instruction; and generating damage assessment information according to the acquired accessory information.

In one embodiment, the receiving of a region selection instruction for a visual vehicle model and the obtaining of accessory information for a region corresponding to the region selection instruction involved in the execution of the computer program by the processor comprises: receiving a region selection instruction for the visual vehicle model, and acquiring a selection region corresponding to the region selection instruction; calculating an overlapping area of the selection area and the visual vehicle model; and acquiring the accessory information corresponding to the overlapping area.

In one embodiment, the visual vehicle model involved in the execution of the computer program by the processor is pre-partitioned into a plurality of accessory regions; calculating an overlap region of the selection region and the visualized vehicle model, comprising: and acquiring the accessory region with intersection with the selection region as an overlapping region.

In one embodiment, the display mode of the accessory corresponding to the accessory region involved in the execution of the computer program by the processor includes: acquiring the accessory utilization rate of each accessory area corresponding to the overlapping area; and displaying the accessories according to the accessory utilization rate.

In one embodiment, the processor, when executing the computer program, further performs the steps of: the method comprises the steps that input survey data and settlement information are received through a preset page, the preset page comprises a survey data input module, a settlement information input module and a loss assessment information input module, a vehicle insurance data uploading instruction is received, and the survey data, the settlement information and the loss assessment information are uploaded to a server together according to the vehicle insurance data uploading instruction.

In one embodiment, the processor, when executing the computer program, further performs the steps of: the method comprises the steps of collecting group photo images of people and vehicles, sending the group photo images to a server, enabling the server to conduct face recognition on the group photo images to obtain face images, conducting text recognition on the group photo images to obtain license plate numbers, and conducting claim settlement processing according to the obtained face images and the license plate numbers.

In one embodiment, the capturing of group images of a person and a vehicle involved in the execution of the computer program by the processor comprises: identifying current environmental information; generating a face positioning frame and a vehicle positioning frame according to the current environment information; and when the face exists in the face positioning frame and the license plate exists in the vehicle positioning frame, acquiring a group image of the person and the vehicle.

In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of: receiving a vehicle insurance data processing request, wherein the vehicle insurance data processing request carries vehicle type information; acquiring and displaying a visual vehicle model corresponding to vehicle type information; receiving a region selection instruction for the visual vehicle model, and acquiring accessory information of a region corresponding to the region selection instruction; and generating damage assessment information according to the acquired accessory information.

In one embodiment, the computer program, when executed by a processor, is directed to receiving a region selection instruction for a visual vehicle model and obtaining accessory information for a region corresponding to the region selection instruction, comprising: receiving a region selection instruction for the visual vehicle model, and acquiring a selection region corresponding to the region selection instruction; calculating an overlapping area of the selection area and the visual vehicle model; and acquiring the accessory information corresponding to the overlapping area.

In one embodiment, the computer program when executed by the processor further performs the steps of: the method comprises the steps that input survey data and settlement information are received through a preset page, the preset page comprises a survey data input module, a settlement information input module and a loss assessment information input module, a vehicle insurance data uploading instruction is received, and the survey data, the settlement information and the loss assessment information are uploaded to a server together according to the vehicle insurance data uploading instruction.

In one embodiment, the computer program when executed by the processor further performs the steps of: the method comprises the steps of collecting group photo images of people and vehicles, sending the group photo images to a server, enabling the server to conduct face recognition on the group photo images to obtain face images, conducting text recognition on the group photo images to obtain license plate numbers, and conducting claim settlement processing according to the obtained face images and the license plate numbers.

In one embodiment, the computer program when executed by the processor is directed to capturing group images of a person and a vehicle, comprising: identifying current environmental information; generating a face positioning frame and a vehicle positioning frame according to the current environment information; and when the face exists in the face positioning frame and the license plate exists in the vehicle positioning frame, acquiring a group image of the person and the vehicle.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A vehicle insurance data processing method is characterized by comprising the following steps:

2. The method of claim 1, wherein receiving a region selection instruction for the visual vehicle model and obtaining accessory information for a region corresponding to the region selection instruction comprises:

and acquiring the accessory information corresponding to the overlapping area.

3. The method of claim 2, wherein the visual vehicle model is pre-divided into a plurality of accessory regions; the calculating of the overlap region of the selection region and the visualized vehicle model comprises:

4. The method of claim 3, wherein the displaying of the accessory corresponding to the accessory region comprises:

and displaying the accessories according to the accessory utilization rate.

5. The method of any one of claims 1 to 4, further comprising:

6. The method of any one of claims 1 to 4, further comprising:

7. The method of claim 6, wherein said capturing a group image of a person and a vehicle comprises:

identifying current environmental information;

8. An automobile insurance data processing apparatus, characterized in that the apparatus comprises:

9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 7.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.