CN113362189A - Vehicle claim processing method and device, medium and electronic equipment - Google Patents
Vehicle claim processing method and device, medium and electronic equipment Download PDFInfo
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Abstract
The embodiment of the invention provides a vehicle claim processing method and device, a medium and electronic equipment. The method comprises the following steps: acquiring a loss assessment image and loss assessment data of a case to be processed; determining relevant historical vehicle claim data of the case to be processed according to the damage assessment data; and carrying out claims on the case to be processed according to the historical accompanying case data. The technology of the invention can find the problem without professional loss assessment knowledge, thereby improving the efficiency and saving the labor and time cost.
Description
Technical Field
The embodiment of the invention relates to the field of electronic information, in particular to a vehicle claim processing method and device, a medium and electronic equipment.
Background
After a traffic accident occurs, it is often necessary to wait for a claimant of an insurance company to go to a field for processing, and to obtain a claim basis by taking a picture or the like. With the recent increase in the amount of motor vehicle retention, the number of traffic accidents per year has been high. And the processing of vehicle claims settlement and damage service often needs to rely on the manpower field processing of professional insurance staff, and is high in cost, long in waiting period and low in processing efficiency.
The damage assessment result of manual damage assessment is completely identified by a damage assessment engineer, so that the damage assessment method has high subjectivity and sidedness, the deviation of the damage assessment result is easy to occur, and the damage condition of the vehicle cannot be objectively and accurately reflected.
Disclosure of Invention
In this context, embodiments of the present invention are intended to provide a vehicle claim processing method and apparatus, a medium, and an electronic device, so as to at least solve the problem in the prior art that false recognition is likely to occur.
In a first aspect of an embodiment of the present invention, there is provided a vehicle claim processing method: the method comprises the following steps:
acquiring a loss assessment image and loss assessment data of a case to be processed;
determining the relevant historical claim data of the case to be processed according to the damage assessment data;
and carrying out claims on the case to be processed according to the historical accompanying case data.
Optionally, the damage assessment data includes: the damage assessment image data, image feature data extracted from the damage assessment image, a damaged part of the vehicle determined based on the damage assessment image, a damage type and a damage degree based on the damaged part;
the case information processing method comprises the steps of vehicle information corresponding to a case to be processed, place information of the case to be processed, accident type information of the case to be processed and weather information of the case to be processed when an accident occurs.
Optionally, determining the historical vehicle claim data related to the case to be processed according to the damage assessment data includes:
calculating the similarity between each historical case and the case to be processed;
and determining historical vehicle claim data according to the similarity of each historical case and the case to be processed.
Optionally, determining historical vehicle claim data according to the similarity between each historical case and the case to be processed, including:
sorting the historical cases according to the sequence of similarity from big to small;
taking the history case with the similarity higher than the preset value as a target history case;
the vehicle claim data of the target historical case is the historical vehicle claim data of the case to be processed.
Optionally, if there are a plurality of historical cases with similarity higher than the preset value, the vehicle claim data of the historical case with the highest similarity is selected as the historical vehicle claim data of the case to be processed.
Optionally, after the history cases are sorted in the order of the similarity from large to small, the method further includes:
deleting the history case with the highest similarity and the history case with the lowest similarity;
calculating the average value of the accompany data of the remaining historical cases from the remaining historical cases;
and taking the average value of the vehicle claim data as the case history accompanying data to be processed.
Optionally, after the history cases are sorted in the order of the similarity from large to small, the method further includes:
determining a historical case set with similarity greater than a preset threshold;
calculating the average value of the case data of the historical case set;
and taking the average value as the historical case accompanying data of the case to be processed.
According to a second aspect, an embodiment of the present invention provides a vehicle claim processing apparatus, including: the acquisition unit is used for acquiring the loss assessment image and loss assessment data of the case to be processed; the calculation unit is used for determining the related historical vehicle claim data of the case to be processed according to the damage assessment data; and the vehicle claim unit is used for carrying out claims on the case to be processed according to the historical accompanying case data.
According to a third aspect, an embodiment of the present invention provides an electronic device, including a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the program to implement the vehicle claim processing method according to any one of the first aspect.
According to a fourth aspect, embodiments of the present invention provide a non-transitory storage medium having stored thereon computer instructions for causing a computer to execute the vehicle claims processing method according to any one of the first aspect.
According to the vehicle claim processing method and device, the medium and the electronic equipment, vehicle claim data of the historical case similar to the current case to be processed is utilized for vehicle claim processing, and misrecognition is not easy to occur.
In the prior art, when a loss list which does not conform to the reality is input, loss personnel are easily misled, so that the loss personnel can be found only by manual rechecking of service personnel, the processing efficiency is low, and human resources are consumed. Compared with the prior art, the technology of the invention can find the problem without professional loss assessment knowledge, thereby improving the efficiency and saving the labor and time cost.
Drawings
The above and other objects, features and advantages of exemplary embodiments of the present invention will become readily apparent from the following detailed description read in conjunction with the accompanying drawings. Several embodiments of the invention are illustrated by way of example, and not by way of limitation, in the figures of the accompanying drawings and in which:
FIG. 1 schematically illustrates a flow chart of one exemplary process of a vehicle claims processing method according to an embodiment of the invention;
fig. 2 schematically shows a block configuration diagram of one example of a vehicle claim processing apparatus according to an embodiment of the invention;
fig. 3 schematically shows an application interface in a preferred example of the invention.
FIG. 4 schematically shows a structural diagram of an electronic device according to an embodiment of the invention;
fig. 5 schematically shows a schematic view of a non-transitory readable storage medium according to an embodiment of the invention.
In the drawings, the same or corresponding reference numerals indicate the same or corresponding parts.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. 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.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
In this document, it is to be understood that any number of elements in the figures are provided by way of illustration and not limitation, and any nomenclature is used for differentiation only and not in any limiting sense.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Exemplary method
A history case-based vehicle claim processing method according to an exemplary embodiment of the present invention will be described with reference to fig. 1.
The embodiment of the invention provides a vehicle claim processing method based on historical cases, which comprises the following steps: acquiring a loss assessment image of a case to be processed to obtain loss assessment data of the case to be processed according to the loss assessment image; selecting at least one historical case which is most similar to the case to be processed from a preset database as a matching case of the case to be processed based on the similarity between the damage data of each historical case in the preset database and the damage data of the case to be processed, wherein the preset database comprises the damage data and the historical vehicle claim data of a plurality of historical cases; and according to the historical vehicle claim data of the matched case of the case to be processed, performing vehicle claim processing on the case to be processed.
Fig. 1 schematically illustrates an exemplary processing flow of a vehicle claim processing method according to an embodiment of the disclosure, and as shown in fig. 1, the method may include the following steps:
and S102, obtaining a damage assessment image and damage assessment data of the case to be processed. As an exemplary embodiment, the damage-assessment image includes, for example, a medium-view image and/or a near-view image. The intermediate view image may be obtained by, for example, driving the image capturing device to capture an image, or by selecting a stored image in the storage device according to a user's selection operation. The intermediate view image is an intermediate view image that can reflect the damaged part, for example, an image that can see the entire view of the accident vehicle, for example, an image of the vehicle taken at a first predetermined distance (e.g., 3 meters) from the vehicle.
The close-up image is a close-up image that can clearly reflect the damaged part, for example, a clear picture that can see at least part of the damaged part, such as an image of the vehicle taken at a second predetermined distance (0.5 m or 1 m or other distance) from the vehicle. The close-range image may be obtained by driving the image capturing device to capture an image, or by selecting a stored image in the storage device according to a user's selection operation, for example.
The first and second predetermined distances may be set, for example, empirically or determined experimentally, and will not be described in detail herein.
And obtaining the damage assessment data of the case to be processed according to the damage assessment image. The impairment data may comprise at least one seed data, which may comprise one or more of: loss assessment images corresponding to cases; image characteristic data extracted from the loss assessment image of the corresponding case; determining a vehicle damaged part in a case based on a damage assessment image of the corresponding case; and determining the damage type and/or damage degree of each vehicle damaged part in the case based on the damage assessment image of the corresponding case.
For example, the damaged part of the vehicle in the case is determined based on the damage assessment image of the corresponding case: determining at least one complete damaged area in a mesoscopic image in the damage assessment image, identifying vehicle damaged parts corresponding to the at least one complete damaged area respectively and combining the same identification results so as to determine at least one vehicle damaged part in the mesoscopic image according to the combined result.
In addition, the at least one piece of sub data may further optionally include one or more of the following: relevant vehicle information corresponding to the case; location information corresponding to the case; accident type information corresponding to the case; and weather information corresponding to the case when the accident occurs.
The relevant vehicle information includes, for example, a model, a brand, and/or a model of the relevant vehicle; the location information includes the location of the relevant vehicle and/or accident site of the case
S104, determining related historical vehicle claim data of the case to be processed according to the damage assessment data;
and calling the damage assessment data and the historical vehicle claim data corresponding to at least one historical case with the similarity higher than a preset value in the damage assessment data in a preset database based on the damage assessment data. As an exemplary embodiment, calculating sub-similarity between the sub-data corresponding to the case to be processed and the sub-data corresponding to each historical case in the predetermined database respectively; calculating and determining the similarity between the historical case and the case to be processed based on the sub-similarity; judging whether the similarity is greater than a preset value or not; and when the similarity is greater than a preset value, the damage assessment data and the historical claim settlement data corresponding to the historical case are retrieved.
And S106, carrying out vehicle claims on the case to be processed according to the historical accompanying case data.
In one embodiment, determining historical vehicle claim data related to the case to be processed from the damage data comprises:
calculating the similarity between each historical case and the case to be processed;
and determining historical vehicle claim data according to the similarity of each historical case and the case to be processed.
In one embodiment, determining historical vehicle claim data based on the similarity of each historical case to the pending case comprises:
sorting the historical cases according to the sequence of similarity from big to small;
taking the history case with the similarity higher than the preset value as a target history case;
the vehicle claim data of the target historical case is the historical vehicle claim data of the case to be processed.
In one embodiment, if a plurality of historical cases with the similarity higher than a preset value exist, the vehicle claim data of the historical case with the highest similarity is selected as the historical vehicle claim data of the case to be processed.
In order to improve the accuracy, the values of the two endpoints, i.e., the maximum value of the similarity and the minimum value of the similarity, need to be eliminated. Therefore, in one embodiment, after sorting the history cases in the order of similarity from big to small, the method further comprises:
deleting the history case with the highest similarity and the history case with the lowest similarity;
calculating the average value of the accompany data of the remaining historical cases from the remaining historical cases;
and taking the average value of the vehicle claim data as the case history accompanying data to be processed.
Specifically, the process of claim settlement of the case to be processed according to historical accompanying case data comprises the following steps: and selecting the historical case with the highest similarity from the historical cases with the similarity larger than the preset value, and taking the vehicle claim data of the historical case with the highest similarity as the reference data of the vehicle claim of the case to be processed. Illustratively, one case which is most similar to the case to be processed is selected from the matched cases of the cases to be processed, and the historical vehicle claim data of the case is used as the reference vehicle claim data of the case to be processed. In this way, the current case is processed using the vehicle claim data of the case that is most similar to the current case (i.e., the case to be processed).
In order to improve the accuracy of vehicle claims of cases to be processed, as an exemplary embodiment, the vehicle claim data referring to a plurality of historical cases can be adopted for claim of the cases to be processed according to historical accompanying case data, and specifically, a plurality of historical cases are selected from the historical cases with the similarity greater than a preset value; and taking the average value of the vehicle claim data of the plurality of historical cases as the reference data of the vehicle claim of the case to be processed. For example, an average of a plurality (e.g., 10, 5, etc.) of the historical vehicle claim data of the matching case is used as the reference vehicle claim data of the current case.
In addition, in some cases, the types of the vehicle claim data of the current case and the matching case may not be completely the same, for example, the current case requires A, B two types of vehicle claim data, the matching case may include A, B, C three types of data or more, or a part of the matching case may include a and the other part includes B, so that different vehicle claim data may be selected from different historical cases, and after the different vehicle claim data are combined, reference vehicle claim data is obtained, specifically, corresponding historical vehicle claim data is selected from different one or more historical cases according to the category of the vehicle claim data; comprehensively selecting various types of historical vehicle claim data as reference data of the vehicle claim of the case to be processed. For each item of vehicle claim data required by the case to be processed, selecting one or more cases with the item of vehicle claim data from at least partial matching cases to obtain the item of vehicle claim data of the case to be processed according to the item of vehicle claim data of the one or more cases; and forming reference vehicle claim data of the case to be processed by utilizing the obtained vehicle claim data of each case to be processed. As an example, obtaining the vehicle claim data of the case to be processed from the vehicle claim data of the one or more cases includes, for example: and taking the average value of the vehicle claim data of the one or more cases as the vehicle claim data of the case to be processed.
In the historical cases, one or more cases or vehicle claim data which are not suitable for processing may exist, and in order to improve the accuracy of the vehicle claim of the case to be processed, as a routine embodiment, unreasonable data in the vehicle claim data of the one or more cases is removed, and reasonable data is remained; and utilizing the average value of reasonable data in the vehicle claim data of the one or more cases as the vehicle claim data of the case to be processed.
In order to process the case to be processed more accurately, the historical case is used for verifying the reference data of the vehicle claim of the case to be processed, and specifically, whether the current vehicle claim data of the case to be processed is reasonable or not is judged based on the historical vehicle claim data. And if the current vehicle claim data of the case to be processed is judged to be at least partially unreasonable, replacing at least part of unreasonable data by utilizing data corresponding to at least part of unreasonable data in the current vehicle claim data in the vehicle claim data of the case matched with the case to be processed, and obtaining updated vehicle claim data of the case to be processed. Judging whether the current vehicle claim data of the case to be processed is reasonable or not; and/or unreasonable detail items in the vehicle claim data for the case to be processed.
As an example, the step of acquiring the damage assessment image of the case to be processed comprises an image acquisition stage and an image classification stage; in the image acquisition stage, receiving or acquiring a plurality of images acquired aiming at a vehicle related to a case to be processed; in the image classification stage, a medium view image and a near view image of the case-related vehicle to be processed are determined among the plurality of images received or acquired in the image acquisition stage.
As an example, the image acquisition phase comprises, for example: the method comprises the steps of obtaining a medium-view image and a near-view image of a vehicle related to a case to be processed by driving an image acquisition device to acquire images or acquiring videos, or selecting corresponding frames in a stored image or a stored video in a storage device according to selection operation of a user to be used as the medium-view image and the near-view image of the vehicle related to the case to be processed.
As an example, the image acquisition phase comprises, for example: a medium image acquisition sub-stage, which is suitable for acquiring a medium image of a vehicle related to the case to be processed; and a close-range image acquisition sub-stage, which is suitable for acquiring a close-range image of a vehicle related to the case to be processed.
As an example, the medium image acquisition sub-phase comprises, for example: judging whether the acquired medium view image of the vehicle related to the case to be processed meets the loss assessment requirement: if the loss assessment requirement is met, executing the processing of the close-range image acquisition sub-stage; otherwise, the medium image of the vehicle related to the case to be processed is obtained again until the medium image meets the loss assessment requirement.
For example, if the medium image is complete, the medium image is judged to meet the loss assessment requirement; or if the medium image is complete and the definition of the medium image is higher than or equal to the first preset threshold, judging that the medium image meets the loss assessment requirement.
The first preset threshold may be set according to an empirical value, or determined by an experimental method, for example, and will not be described herein.
As an example, whether the medium view image is complete may be determined as follows: identifying damaged areas and undamaged areas in the medium scene image; calculating the ratio of the area of all damaged areas to the first area of all undamaged areas in the medium scene image; and if the ratio of the first areas is smaller than or equal to a second preset threshold value, judging that the medium scene image is complete.
The second predetermined threshold may be set according to an empirical value, or determined by an experimental method, for example, and will not be described herein.
For example, when the foreground image satisfies any one or more of the following conditions, the foreground image is judged to be complete: the number of damaged areas in the medium scene image is more than 1; the medium image comprises at least one complete damaged area; each damaged area included by the medium scene image is complete; and all the outer sides of the edges of the vehicle area in the middle view image are environment image areas.
As an example, whether the damaged area in the medium view image is complete may be determined, for example, as follows: for each of partial or all damaged areas in the medium view image, judging whether the area outside the edge of the damaged area is an undamaged area: if yes, judging that the damaged area is complete; otherwise, the damaged area is determined to be incomplete.
As an example, whether the damaged area in the medium view image is complete may be determined, for example, as follows: for each of a part or all of the damaged area in the intermediate view image, determining whether an edge of the damaged area at least partially coincides with an image boundary of the intermediate view image: if yes, judging that the damaged area is incomplete; otherwise, the damaged area is judged to be complete.
As an example, the close-up image acquisition sub-phase comprises, for example: judging whether the acquired close-range image of the vehicle related to the case to be processed meets the loss assessment requirement: if the loss assessment requirement is met, processing in an image classification stage is executed; otherwise, the close-range image of the vehicle related to the case to be processed is obtained again until the close-range image meets the loss assessment requirement.
As an example, the determining whether the acquired close-range image of the vehicle related to the case to be processed meets the damage assessment requirement includes: aiming at each acquired close-range image of the vehicle related to the case to be processed, based on at least one damaged part of the vehicle related to the case to be processed, determining the damaged part of the vehicle corresponding to the close-range image: if the damaged part of the vehicle corresponding to the close-range image does not exist in the damaged part of the at least one vehicle, determining that the close-range image does not meet the damage assessment requirement.
As an example, the determining whether the acquired close-range image of the vehicle related to the case to be processed meets the damage assessment requirement includes: and if the definition of the close-range image is lower than a preset third preset threshold, judging that the close-range image does not meet the loss assessment requirement.
The third preset threshold may be set according to an empirical value, or determined by an experimental method, for example, and will not be described herein.
As an example, the image classification phase comprises, for example: for each of a plurality of images received or acquired by the image acquisition stage: identifying damaged regions and undamaged regions in the image; calculating the ratio of the area of all damaged areas to the second area of all undamaged areas in the image; and if the ratio of the second areas reaches a second preset threshold value, determining that the image is a medium image of the vehicle related to the case to be processed.
As an example, the image classification phase comprises, for example: for each of a plurality of images received or acquired by the image acquisition stage: identifying damaged regions and undamaged regions in the image; and if the number of the identified damaged areas in the image is larger than 1, determining that the image is a medium scene image of the vehicle related to the case to be processed.
As an example, the method may further include: and judging whether the medium view image and/or the close view image of the vehicle related to the case to be processed, which are determined in the image classification stage, meet the damage assessment requirement.
For example, in the image acquisition stage, first prompt information may be output to prompt a user to acquire or select an image meeting the loss assessment requirement as a corresponding loss assessment image through the first prompt information; the first prompt message includes display information and/or sound information, wherein the display information includes any one or more of images, texts, videos and animations.
As an example, a real-time image acquired by the image acquisition apparatus may be displayed using a predetermined display screen, and display information may be displayed in a predetermined area of the predetermined display screen, for example.
As an example, a real-time image captured by an image capturing device is displayed in the entire display area of a predetermined display screen, for example, and display information floating above the real-time image is displayed at a corresponding position of the real-time image.
For example, the content of the first prompt message may include: the content is used for representing the loss assessment requirement corresponding to the loss assessment image; and/or contents of a photographing position reference value and/or a photographing parameter reference value for indicating a user operating the image capturing apparatus, wherein the photographing parameter reference value includes any one or more of a corresponding photographing angle reference value, aperture reference value, and shutter reference value.
As an example, if the acquired loss assessment image does not meet the loss assessment requirement, second prompt information may be output to prompt the user to adjust the shooting position and/or the shooting parameters through the second prompt information to reacquire the required loss assessment image; wherein, the shooting parameters comprise any one or more of corresponding shooting angles, apertures and shutters.
As an example, the step of prompting the user to adjust the shooting position and/or the shooting parameters through the second prompt message to reacquire the required damage image includes, for example: acquiring the shooting position and/or shooting parameters of the acquired loss assessment image; and determining the adjustment operation required by the user according to the shooting position and/or shooting parameter of the acquired loss assessment image and the corresponding shooting position reference value and/or shooting parameter reference value.
As an example, during the acquisition of the required damage assessment image by the image acquisition device, for example, the current shooting position and/or shooting parameters may be acquired in real time; and determining the current required adjustment operation in real time according to the current shooting position and/or shooting parameters and the shooting position reference value and/or shooting parameter reference value corresponding to the required damage assessment image so as to instruct a user to perform corresponding adjustment.
As an example, during the acquisition of the required damage assessment image by the image acquisition device, for example, the current shooting position and/or shooting parameters may be acquired in real time; and determining the current required adjustment operation in real time according to the current shooting position and/or shooting parameters and the shooting position reference value and/or shooting parameter reference value corresponding to the required loss image so as to perform corresponding automatic adjustment until the distance between the current shooting position and/or shooting parameters and the shooting position reference value and/or shooting parameter reference value corresponding to the required loss image is smaller than a preset difference value.
The preset difference may be set based on an empirical value, or determined by a test method, for example, and will not be described herein.
As an example, the adjustment operation includes, for example: the adjustment trend of the shooting position and/or the shooting parameter; and/or the adjustment operation further includes an adjustment amount of the photographing position and/or the photographing parameter.
As an example, the step of vehicle claim processing the case to be processed includes displaying the following information: and the related information of the matched case of the case to be processed at least comprises vehicle claim data.
An embodiment of the present invention provides a vehicle claim processing apparatus, as shown in fig. 2, the vehicle claim processing apparatus may include:
an obtaining unit 210, configured to obtain a damage assessment image and damage assessment data of a case to be processed;
a calculating unit 220, configured to determine historical vehicle claim data related to the case to be processed according to the damage assessment data;
and the vehicle claim unit 230 is used for carrying out vehicle claims on the case to be processed according to the historical accompanying case data.
A preferred embodiment of the present invention is described below in conjunction with fig. 3. Fig. 3 shows an example of an application interface of the above-described method/apparatus of the present invention.
In this embodiment, the acquired impairment images are acquired, for example, the impairment images are classified into a medium view image and a near view image.
The method of distinguishing the intermediate view image from the close view image is, for example, as follows: a guiding process is carried out during the acquisition, for example, a user is prompted to acquire a medium/close view image on a screen, and the user correspondingly acquires the medium/close view image according to the qualified image acquired by the prompt; whether the image is qualified or not is judged according to various aspects, such as definition, quality, angle and the like of the image.
When judging whether the loss assessment image extracted from the video is a medium-view image, judging whether the loss assessment image is the medium-view image by the following method: identifying the area of the damaged area and the area of the undamaged area in the image; calculating the ratio of the area of the damaged area to the area of the undamaged area in the image; determining whether the ratio of the area of the damaged area to the area of the undamaged area in the image reaches a preset threshold value; and when the preset threshold value is reached, the image is regarded as a medium scene image.
Or, the medium-view image and the close-view image may be distinguished according to the number of damaged areas in the damage assessment image, and the specific steps include: identifying damaged regions and undamaged regions in the image according to a boundary detection algorithm; if there are a plurality of damaged areas (for example, two or more damaged areas) in the damaged image, the damaged image is considered to belong to the medium scene image.
In this way, all the loss assessment images (which may be according to the medium/near view categories or the identified vehicle parts, respectively) acquired after the accident are compared with the cases in the historical data, for example, the comparison may be performed through the following steps: extracting the characteristics of all loss assessment images acquired after the accident; performing feature matching according to the extracted features and the images of all cases in the historical cases; it is contemplated herein to compare only historical cases of the same or similar vehicle models.
Or, further comparing the same location, the same accident type; alternatively, extrinsic factors other than the images, such as the vehicle type, the accident location, and the weather at the time of the accident, may be used as the result of the weighted calculation in the similarity calculation with the history case.
For example, the similarity with each image is confirmed according to the matching result; respectively calculating the similarity of each historical case according to the similarity of each image; and sorting the historical cases according to the high-low sequence of the similarity.
In this way, the history case with the highest similarity (or several history cases with higher similarity) is selected, the vehicle claims of the selected history case are extracted, and the vehicle claims of the extracted history case are displayed.
In addition, the vehicle claim can be considered to be compared with the vehicle claim of the accident, whether the vehicle claim of the accident is reasonable or not is judged according to the similarity, and then whether the reasonable result is directly given out and displayed on a display screen.
In addition, according to the comparison result of the similarity with the historical cases, some data in the vehicle claims of the historical cases can be directly used as some vehicle claim data of the unreasonable accident, for example, similar historical cases of the same vehicle type in the same place area can be obtained, and the vehicle claims of the historical cases with the similarity reaching the preset threshold value can be obtained.
In addition, unreasonable details in the vehicle claim of the accident can be confirmed, and the unreasonable parts in the vehicle claim of the accident can be replaced by the parts in the vehicle claim of the historical case with the acquired similarity reaching the preset threshold.
FIG. 4 illustrates a block diagram of an exemplary computer system/server 40 suitable for use in implementing embodiments of the present invention. The computer system/server 40 shown in FIG. 4 is only an example and should not be taken to limit the scope of use and functionality of embodiments of the present invention in any way.
As shown in FIG. 4, the computer system/server 40 is embodied in the form of a general purpose electronic device. The components of computer system/server 40 may include, but are not limited to: one or more processors or processing units 401, a system memory 402, and a bus 403 that couples the various system components (including the system memory 402 and the processing unit 401).
Computer system/server 40 typically includes a variety of computer system readable media. Such media may be any available media that is accessible by computer system/server 40 and includes both volatile and nonvolatile media, removable and non-removable media.
The system memory 402 may include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)4021 and/or cache memory 4022. The computer system/server 40 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, ROM 4023 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 4, commonly referred to as a "hard drive"). Although not shown in FIG. 4, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 403 by one or more data media interfaces. At least one program product may be included in system memory 402 having a set (e.g., at least one) of program modules configured to carry out the functions of embodiments of the invention.
A program/utility 4025 having a set (at least one) of program modules 4024 may be stored, for example, in system memory 402, and such program modules 4024 include, but are not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment. The program modules 4024 generally perform the functions and/or methods of the embodiments described herein.
The computer system/server 40 may also communicate with one or more external devices 404, such as a keyboard, pointing device, display, etc. Such communication may be through an input/output (I/O) interface 405. Also, the computer system/server 40 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN) and/or a public network, such as the Internet) through a network adapter 406. As shown in FIG. 4, network adapter 406 communicates with other modules of computer system/server 40 (e.g., processing unit 401, etc.) via bus 403. It should be appreciated that although not shown in FIG. 4, other hardware and/or software modules may be used in conjunction with computer system/server 40.
The processing unit 401 executes various functional applications and data processing, for example, executes and implements steps in the history-case-based vehicle claim processing method, by executing programs stored in the system memory 502; for example, acquiring a loss assessment image of a case to be processed to obtain loss assessment data of the case to be processed according to the loss assessment image; selecting at least one historical case which is most similar to the case to be processed from a predetermined database as a matching case of the case to be processed based on the similarity between the damage data of each historical case and the damage data of the case to be processed in the predetermined database, wherein the predetermined database comprises the damage data of a plurality of historical cases and the historical vehicle claim data; and according to the historical vehicle claim data of the matched case of the case to be processed, performing vehicle claim processing on the case to be processed.
A specific example of a computer-readable storage medium embodying the present invention is shown in fig. 5.
The computer-readable storage medium of fig. 5 is an optical disc 500, on which a computer program (i.e. a program product) is stored, which when executed by a processor, implements the steps described in the above-mentioned method embodiments, for example, acquiring a damage assessment image of a case to be processed, so as to obtain damage assessment data of the case to be processed according to the damage assessment image; selecting at least one historical case which is most similar to the case to be processed from a predetermined database as a matching case of the case to be processed based on the similarity between the damage data of each historical case and the damage data of the case to be processed in the predetermined database, wherein the predetermined database comprises the damage data of a plurality of historical cases and the historical vehicle claim data; according to the historical vehicle claim data of the matched case of the case to be processed, vehicle claim processing is carried out on the case to be processed; the specific implementation of each step is not repeated here.
It should be noted that although several units, modules, or sub-modules of the historical case-based vehicle claims processing apparatus are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
Moreover, while the operations of the method of the invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
While the spirit and principles of the invention have been described with reference to several particular embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, nor is the division of aspects, which is for convenience only as the features in such aspects may not be combined to benefit. The invention is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (10)
1. A vehicle claim processing method, characterized by comprising:
acquiring a loss assessment image and loss assessment data of a case to be processed;
determining the relevant historical claim data of the case to be processed according to the damage assessment data;
and carrying out claims on the case to be processed according to the historical accompanying case data.
2. The vehicle claims processing method of claim 1, wherein the damage data includes one or more of:
the damage assessment image data, image feature data extracted from the damage assessment image, a damaged part of the vehicle determined based on the damage assessment image, a damage type and a damage degree based on the damaged part;
the case information processing method comprises the steps of vehicle information corresponding to a case to be processed, place information of the case to be processed, accident type information of the case to be processed and weather information of the case to be processed when an accident occurs.
3. The vehicle claim processing method according to claim 2,
determining the relevant historical claim data of the case to be processed according to the damage assessment data, wherein the determining comprises the following steps:
calculating the similarity between each historical case and the case to be processed;
and determining historical vehicle claim data according to the similarity of each historical case and the case to be processed.
4. The vehicle claim processing method of claim 3, wherein determining historical claim data based on the similarity of each historical case to the case to be processed comprises:
sorting the historical cases according to the sequence of similarity from big to small;
taking the history case with the similarity higher than the preset value as a target history case;
the claim data of the target historical case is the historical claim data of the case to be processed.
5. The vehicle claim processing method according to claim 4, wherein if there are a plurality of historical cases with similarity higher than a preset value, the vehicle claim data of the historical case with highest similarity is selected as the historical vehicle claim data of the case to be processed.
6. The vehicle claim processing method of claim 4, wherein after sorting the historical cases in order of similarity from greater to lesser, the method further comprises:
deleting the history case with the highest similarity and the history case with the lowest similarity;
calculating the average value of the accompany data of the remaining historical cases from the remaining historical cases;
and taking the average value of the vehicle claim data as the case history accompanying data to be processed.
7. The vehicle claim processing method as recited in claim 6, wherein after sorting the historical cases in order of similarity from greater to lesser, the method further comprises:
determining a historical case set with similarity greater than a preset threshold;
calculating the average value of the case data of the historical case set;
and taking the average value as the historical case accompanying data of the case to be processed.
8. A vehicle claim processing apparatus characterized by comprising:
the acquisition unit is used for acquiring the loss assessment image and loss assessment data of the case to be processed;
the calculation unit is used for determining the related historical vehicle claim data of the case to be processed according to the damage assessment data;
and the vehicle claim unit is used for carrying out vehicle claims on the case to be processed according to the historical accompanying case data.
9. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the vehicle claims processing method of any one of claims 1-7 when executing the program.
10. A non-transitory storage medium, wherein the computer-readable storage medium stores computer instructions for causing the computer to perform the vehicle claims processing method of any one of claims 1-4.
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