CN114119258A - Fast settlement and fast settlement system for urban road traffic accidents - Google Patents
Fast settlement and fast settlement system for urban road traffic accidents Download PDFInfo
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- CN114119258A CN114119258A CN202111382379.3A CN202111382379A CN114119258A CN 114119258 A CN114119258 A CN 114119258A CN 202111382379 A CN202111382379 A CN 202111382379A CN 114119258 A CN114119258 A CN 114119258A
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Abstract
The invention discloses an urban road traffic accident fast processing and fast claim settlement system, which comprises a counter alarm module, a traffic alarm service evaluation module, a data uploading module, an information filling module, a data circulation module, a responsibility confirmation module and an insurance claim settlement module; the data uploading module clicks a link address in the short message to access the report person information reporting platform after the report person receives the short message, and waits for a remote investigation result of a traffic police department after submitting a scene picture; the data flow module is used for transferring data flow of a fast-place fast-claim intranet server for an alarm receiving platform intranet through an intranet and internet interface; the responsibility confirmation module carries out signature confirmation under the condition that the confirmation result is not objected, so that the electronic responsibility confirmation book is effective; the insurance claim settlement module is used for settling the claim of the accident according to the result of the recognition of the accident responsibility recognition book after the insurance business fast claim settlement system receives the data information pushed by the traffic police.
Description
Technical Field
The invention relates to the technical field of insurance claim settlement systems, in particular to a fast settlement claim system for urban road traffic accidents.
Background
Along with the popularization of urban motor vehicles, the accompanying vehicle accidents also tend to rise continuously, and particularly, the accidents of slight road traffic such as rear-end collision, scraping and the like are frequent in rush hours and rainy and snowy days. According to traditional processing mode, the vehicle owner reports and applies for on-site investigation and damage assessment, and the vehicle is very easily caused large-area jam of main road in the process of waiting at the accident scene, and more probably causes secondary traffic accidents, and after the traffic accidents occurred, timely geographic claim processing is required to be carried out, and then the insurance claim settlement system for road traffic accidents for fast processing and fast claim settlement can be used, however, the existing insurance claim settlement system for road traffic accidents for fast processing and fast claim settlement has the following problems:
the existing program of the insurance claim settlement system for the road traffic accident, which can quickly settle and pay off the claim, is generally carried out in the forms of App, WeChat applet and the like, and can be used only by a series of complicated operations of initiatively downloading, registering, real-name authenticating, paying attention to, binding information and the like by a reporter. After the operation is finished, a lot of time is usually spent, but the current situation that convenience is provided for accident parties and road congestion is relieved is not provided, and on the contrary, a lot of time is wasted on basic operation, so that the delay of the machine is caused when the road congestion is dredged.
We propose a fast pay system for urban road traffic accidents in order to solve the problems set forth above.
Disclosure of Invention
The invention aims to provide a fast settlement and claim system for urban road traffic accidents, which aims to solve the problems of complex and time-consuming operation process, easy road congestion and delayed opportunity delay of the conventional fast settlement and claim system for road traffic accidents in the market in the background art.
In order to achieve the purpose, the invention provides the following technical scheme: an urban road traffic accident fast processing and fast claim system comprises a counter alarm module, a traffic alarm service evaluation module, a data uploading module, an information filling module, a data circulation module, a responsibility confirmation module and an insurance claim module;
the alarm module of the reporting person is that after an accident occurs, one party of the party calls 110 and 122 to report the accident;
the traffic police service evaluation module informs the alarm person of paying attention to collect a short message when determining that the case condition is a traffic accident and no injury occurs after receiving the alarm, the accident can be quickly handled through a platform in the short message, then the mobile phone number of the alarm person is extracted from the data automatically extracted by the system, and the operation short message is automatically sent to the alarm person (if the interface is not smooth, the short message can also be sent to the alarm person through a manual input mode; the invention also discloses a traffic police service evaluation module)
The data uploading module is used for clicking a link address in a short message to access an information reporting platform of a reporting person after the reporting person receives the short message, automatically positioning the current accident place by a real-time positioning function after entering the platform, filling a mobile phone number of the other party according to prompt information, shooting license plate photos of the two parties, accurately reflecting scene photos of the accident place and the like (the system automatically adds a watermark, the content of the watermark comprises information such as geographic position, longitude and latitude, operation time, reporting time and the like), if the uploaded photo is not clear enough or can not reflect the scene situation, reminding the reporting person to supplement the uploaded data, and then waiting for a remote investigation result of a traffic police department;
the information reporting module is used for continuously reporting the information after the reporter uploads the clear photos of the accident and leaves the field to drive to a safe place, and generating an electronic responsibility confirmation book after the information is confirmed to be correct;
the data flow module is used for transferring data flow of a fast-place fast-claim intranet server for an alarm receiving platform intranet through an intranet and internet interface;
the responsibility confirmation module is used for carrying out signature confirmation under the condition that two accident parties do not disagree on a confirmation result, so that the electronic responsibility confirmation book is effective;
the insurance claim settlement module is used for settling the accident according to the identification result of the accident responsibility acceptance book after the insurance business rapid claim settlement system receives the data information pushed by the traffic police, and then performing corresponding subsequent claim settlement work on the claimant.
Preferably, the data flow module operation includes:
s1, unidirectional pushing of the alarm receiving platform intranet server and the fast-place fast-claim intranet server;
s2, the alarm platform intranet server is pushed to the inner and outer network boundary in a one-way mode through the data tunnel intranet server;
s3, the internal and external network boundaries are in network connection with the fast-place fast-claim internet server through interface calling, and the fast-place fast-claim internet server is in network connection with the operator short message platform through interface calling;
and S4, finally, the operator short message platform pushes the related claim settlement information to the mobile phone of the counter.
Preferably, the information filling module operation includes:
s1, after receiving the information submitted by the alarm, the rapid traffic police handling platform determines that the scene picture can accurately reflect the specific situation of the accident, and the two parties have clear responsibility, and sends a short message prompt for evacuation in advance to the alarm;
s2, after receiving a short message instruction of an evacuation site, a person reporting a case immediately drives a vehicle to a safe place, clicks a link in the short message, enters a report person information reporting platform, and continuously uploads driving license (or identity card) photos of both parties (the system automatically adds a watermark, the watermark content comprises information such as geographic position, longitude and latitude, operation time, report time and the like), basic information such as names, contact ways, insurance company names, accident occurrence reasons and the like of both parties is filled, if the filling of the basic information is correct, an electronic responsibility book is generated, if the filled information is incorrect, the person reporting a case is reminded, the information is perfected, and then the electronic responsibility book is generated.
Preferably, the responsibility determination module process includes:
s1, after the filled information is checked to be correct, the rapid traffic police disposal platform carries out responsibility confirmation on the accident, generates an electronic responsibility confirmation book, pushes the electronic responsibility confirmation book to accident parties in a short message link mode, and simultaneously pushes the traffic accident detail data to insurance companies of the accident parties;
s2, after receiving the electronic responsibility confirmation, the person making a report makes no objection to the confirmation result, and the insurance company carries out claim settlement to the party without responsibility according to responsibility division; if the confirmation result is objectified, the confirmation book can be held to the traffic police team to apply for reemergence within the specified time, and thus the accident responsibility is confirmed again;
and S3, after the responsibility is confirmed and signed, the electronic responsibility confirms that the book is effective.
Compared with the prior art, the invention has the beneficial effects that:
1. the fast-distance claim system for the urban road traffic accident has opened a plurality of key links, so that smooth data is ensured; when a node fails, the backup scheme is available to realize fast switching. All operations can be completed through a default browser of the mobile phone, any App does not need to be downloaded in advance, any information does not need to be registered, and any third party platform does not need to be concerned in the whole process;
2. the system for fast settlement and fast claim of the urban road traffic accident is mainly linked through received short messages, quickly accesses an information reporting platform, is simple and convenient to operate according to content prompts, can receive a vehicle moving prompt after short waiting, and quickly recovers the traffic jam state.
Drawings
FIG. 1 is a schematic diagram of a business process architecture of the present invention;
FIG. 2 is a diagram illustrating a data flow structure according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1-2, the present invention provides a technical solution: an urban road traffic accident fast processing and fast claim system comprises a counter alarm module, a traffic police service evaluation module, a data uploading module, an information filling module, a data circulation module, a responsibility confirmation module and an insurance claim module;
after the accident happens, the alarm module of the reporting person reports the accident by dialing 110 and 122 on one side of the party;
after receiving the report, the traffic police service evaluation module informs the report person of paying attention to collect a short message when determining that the case is a traffic accident and no injury occurs, the accident can be quickly handled through a platform in the short message, then the mobile phone number of the report person is extracted from the data automatically extracted by the system, and the operation short message is automatically sent to the report person (if the interface is not smooth, the short message can also be sent to the report person through a manual input mode; the invention also discloses a traffic police service evaluation module)
The data uploading module is used for clicking a link address in a short message to access an information reporting platform of the reporting person after the reporting person receives the short message, automatically positioning the current accident place by a real-time positioning function after entering the platform, filling the mobile phone number of the other party according to prompt information, shooting license plate photos of the two parties, accurately reflecting scene photos of the accident place and the like (the system automatically adds watermarks, the content of the watermarks comprises information such as geographic position, longitude and latitude, operation time, reporting time and the like), if the uploaded photos are not clear enough or cannot reflect the scene situation, reminding the reporting person to supplement the uploaded data, and waiting for a remote investigation result of a traffic police department;
the information filling module is used for continuously filling information after the person reporting the case uploads the clear picture of the accident and leaves the field to drive to a safe place, and an electronic responsibility confirmation is generated after the information is confirmed to be correct;
the data flow module is used for transferring data flow of a fast claims internal network server for an internal network of the alarm receiving platform through an internal network and an internet interface;
the responsibility confirmation module is used for carrying out signature confirmation under the condition that two accident parties do not disagree on a confirmation result, so that the electronic responsibility confirmation book is effective;
the insurance claim settlement module is used for settling the accident according to the identification result of the accident responsibility acceptance book after the insurance business rapid claim settlement system receives the data information pushed by the traffic police, and then performing corresponding subsequent claim settlement work on the claimant.
The data circulation module comprises:
s1, unidirectional pushing of the alarm receiving platform intranet server and the fast-place fast-claim intranet server;
s2, the alarm platform intranet server is pushed to the inner and outer network boundary in a one-way mode through the data tunnel intranet server;
s3, the internal and external network boundaries are in network connection with the fast-place fast-claim internet server through interface calling, and the fast-place fast-claim internet server is in network connection with the operator short message platform through interface calling;
and S4, finally, the operator short message platform pushes the related claim settlement information to the mobile phone of the counter.
The information filling module operation comprises:
s1, after receiving the information submitted by the alarm, the rapid traffic police handling platform determines that the scene picture can accurately reflect the specific situation of the accident, and the two parties have clear responsibility, and sends a short message prompt for evacuation in advance to the alarm;
s2, after receiving a short message instruction of an evacuation site, a person reporting a case immediately drives a vehicle to a safe place, clicks a link in the short message, enters a report person information reporting platform, and continuously uploads driving license (or identity card) photos of both parties (the system automatically adds a watermark, the watermark content comprises information such as geographic position, longitude and latitude, operation time, report time and the like), basic information such as names, contact ways, insurance company names, accident occurrence reasons and the like of both parties is filled, if the filling of the basic information is correct, an electronic responsibility book is generated, if the filled information is incorrect, the person reporting a case is reminded, the information is perfected, and then the electronic responsibility book is generated.
The responsibility confirmation module process comprises the following steps:
s1, after the filled information is checked to be correct, the rapid traffic police disposal platform carries out responsibility confirmation on the accident, generates an electronic responsibility confirmation book, pushes the electronic responsibility confirmation book to accident parties in a short message link mode, and simultaneously pushes the traffic accident detail data to insurance companies of the accident parties;
s2, after receiving the electronic responsibility confirmation, the person making a report makes no objection to the confirmation result, and the insurance company carries out claim settlement to the party without responsibility according to responsibility division; if the confirmation result is objectified, the confirmation book can be held to the traffic police team to apply for reemergence within the specified time, and thus the accident responsibility is confirmed again;
and S3, after the responsibility is confirmed and signed, the electronic responsibility confirms that the book is effective.
Those not described in detail in this specification are within the skill of the art.
Although the present invention has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that various changes in the embodiments and/or modifications of the invention can be made, and equivalents and modifications of some features of the invention can be made without departing from the spirit and scope of the invention.
Claims (4)
1. A fast settlement system for urban road traffic accidents is characterized in that: the insurance claim settlement system comprises a report alarm module, a traffic alarm service evaluation module, a data uploading module, an information filling module, a data circulation module, a responsibility confirmation module and an insurance claim settlement module;
the alarm module of the reporting person is that after an accident occurs, one party of the party calls 110 and 122 to report the accident;
the traffic police service evaluation module informs the alarm person of paying attention to collect a short message when determining that the case condition is a traffic accident and no injury occurs after receiving the alarm, the accident can be quickly handled through a platform in the short message, then the mobile phone number of the alarm person is extracted from the data automatically extracted by the system, and the operation short message is automatically sent to the alarm person (if the interface is not smooth, the short message can also be sent to the alarm person through a manual input mode; the invention also discloses a traffic police service evaluation module)
The data uploading module is used for clicking a link address in a short message to access an information reporting platform of a reporting person after the reporting person receives the short message, automatically positioning the current accident place by a real-time positioning function after entering the platform, and after filling the mobile phone number of the other party according to prompt information, shooting license plate photos of the two parties, site photos capable of accurately reflecting the accident and the like (the system automatically adds watermarks, the content of the watermarks comprises information such as geographic position, longitude and latitude, operation time, reporting time and the like), if the uploaded photos are not clear enough or cannot reflect the site situation, reminding the reporting person to supplement uploaded data, and then waiting for a remote investigation result of a traffic police department;
the information reporting module is used for continuously reporting the information after the reporter uploads the clear photos of the accident and leaves the field to drive to a safe place, and generating an electronic responsibility confirmation book after the information is confirmed to be correct;
the data flow module is used for transferring data flow of a fast-place fast-claim intranet server for an alarm receiving platform intranet through an intranet and internet interface;
the responsibility confirmation module is used for carrying out signature confirmation under the condition that two accident parties do not disagree on a confirmation result, so that the electronic responsibility confirmation book is effective;
the insurance claim settlement module is used for settling the accident according to the identification result of the accident responsibility acceptance book after the insurance business rapid claim settlement system receives the data information pushed by the traffic police, and then performing corresponding subsequent claim settlement work on the claimant.
2. The system of claim 1, wherein the system comprises: the data flow module operation includes:
s1, unidirectional pushing of the alarm receiving platform intranet server and the fast-place fast-claim intranet server;
s2, the alarm platform intranet server is pushed to the inner and outer network boundary in a one-way mode through the data tunnel intranet server;
s3, the internal and external network boundaries are in network connection with the fast-place fast-claim internet server through interface calling, and the fast-place fast-claim internet server is in network connection with the operator short message platform through interface calling;
and S4, finally, the operator short message platform pushes the related claim settlement information to the mobile phone of the counter.
3. The system of claim 1, wherein the system comprises: the information filling module operation includes:
s1, after receiving the information submitted by the alarm, the rapid traffic police handling platform determines that the scene picture can accurately reflect the specific situation of the accident, and the two parties have clear responsibility, and sends a short message prompt for evacuation in advance to the alarm;
s2, after receiving a short message instruction of an evacuation site, a person reporting a case immediately drives a vehicle to a safe place, clicks a link in the short message, enters a report person information reporting platform, and continuously uploads driving license (or identity card) photos of both parties (the system automatically adds a watermark, the watermark content comprises information such as geographic position, longitude and latitude, operation time, report time and the like), basic information such as names, contact ways, insurance company names, accident occurrence reasons and the like of both parties is filled, if the filling of the basic information is correct, an electronic responsibility book is generated, if the filled information is incorrect, the person reporting a case is reminded, the information is perfected, and then the electronic responsibility book is generated.
4. The system of claim 1, wherein the system comprises: the responsibility determination module process comprises the following steps:
s1, after the filled information is checked to be correct, the rapid traffic police disposal platform carries out responsibility confirmation on the accident, generates an electronic responsibility confirmation book, pushes the electronic responsibility confirmation book to accident parties in a short message link mode, and simultaneously pushes the traffic accident detail data to insurance companies of the accident parties;
s2, after receiving the electronic responsibility confirmation, the person making a report makes no objection to the confirmation result, and the insurance company carries out claim settlement to the party without responsibility according to responsibility division; if the confirmation result is objectified, the confirmation book can be held to the traffic police team to apply for reemergence within the specified time, and thus the accident responsibility is confirmed again;
and S3, after the responsibility is confirmed and signed, the electronic responsibility confirms that the book is effective.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202111382379.3A CN114119258A (en) | 2021-11-22 | 2021-11-22 | Fast settlement and fast settlement system for urban road traffic accidents |
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| CN202111382379.3A CN114119258A (en) | 2021-11-22 | 2021-11-22 | Fast settlement and fast settlement system for urban road traffic accidents |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115641217A (en) * | 2022-10-18 | 2023-01-24 | 深圳市杰讯互联科技有限公司 | System for fast settlement and fast settlement of traffic accident |
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2021
- 2021-11-22 CN CN202111382379.3A patent/CN114119258A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115641217A (en) * | 2022-10-18 | 2023-01-24 | 深圳市杰讯互联科技有限公司 | System for fast settlement and fast settlement of traffic accident |
| CN115641217B (en) * | 2022-10-18 | 2023-08-15 | 深圳市杰讯互联科技有限公司 | System for be used for fast place of traffic accident to reimburse soon |
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