CN1680955A - Insurance processing and judging system and method by multimedia data of mobile communication terminals - Google Patents
Insurance processing and judging system and method by multimedia data of mobile communication terminals Download PDFInfo
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- CN1680955A CN1680955A CNA2004101027258A CN200410102725A CN1680955A CN 1680955 A CN1680955 A CN 1680955A CN A2004101027258 A CNA2004101027258 A CN A2004101027258A CN 200410102725 A CN200410102725 A CN 200410102725A CN 1680955 A CN1680955 A CN 1680955A
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- E—FIXED CONSTRUCTIONS
- E04—BUILDING
- E04H—BUILDINGS OR LIKE STRUCTURES FOR PARTICULAR PURPOSES; SWIMMING OR SPLASH BATHS OR POOLS; MASTS; FENCING; TENTS OR CANOPIES, IN GENERAL
- E04H13/00—Monuments; Tombs; Burial vaults; Columbaria
- E04H13/006—Columbaria, mausoleum with frontal access to vaults
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Abstract
The invention relates to an insurance processing and judging system and method by multimedia data of mobile communication terminals. The system comprises: policy holder terminal for editing the insurance processing judge information menu by user (policy holder); MMS server for transmitting the insurance processing judge information to the insurance processing judge server; insurance processing judge server for analysing the transmitted accident situation information and selecting the accident processing method beneficial to the user by the insurance processing judge information; SMS server for transmitting the accident processing method to the user in the type of the information.
Description
Technical field
The present invention relates to a kind of insurance processing judgement system and method (INSURANCE DEALING JUDGEMENT SYSTEM AND METHOD FOR MOBILESTATION USING MULTIMEDIA MESSAGE) that utilizes multimedia data of mobile communication terminals.Be exactly specifically, the user utilizes the camera that is installed on the mobile communication terminal to be taken pictures in the scene of the accident, and utilize multimedia messages to transmit, the server of insurance business is analyzed above-mentioned information, and whether circulate a notice of the insurance processing to the insurer favourable, and the insurer also can hold to some extent to the compensation amount of money of insurance.
Background technology
In the past, the driver still directly consulted with the litigant so usually can worried insure processing when the processing accident.Because when less accident takes place,, just be difficult to determine if carefully do not calculate whether can receive premium of insurance.Therefore, the insurer can not solve such insurance immediately and handle problems, need with the responsible official of the insurance company explanation accident conditions etc. of taking on the telephone, insure and handle or all can be delayed with accident litigant's negotiation.
Summary of the invention
Technical matters to be solved by this invention is to provide a kind of and utilizes the insurance of multimedia data of mobile communication terminals to handle the judgement system and method, the user can utilize the camera that is installed on the mobile communication terminal to be taken pictures in the scene of the accident, and utilize multimedia messages to transmit, the server of insurance business is analyzed above-mentioned information, and whether circulate a notice of the insurance processing to the insurer favourable, and the insurer also can hold to some extent to the compensation amount of money of insurance.
In order to solve the problems of the technologies described above, system of the present invention comprises: have user (insurer) and can edit insurer's terminal that insurance is handled, judged info menu; Handle the judgement server to insurance and transmit the MMS server that judgement information is handled in above-mentioned insurance; Handle judgement information by above-mentioned insurance the accident conditions information that is transmitted is analyzed, judge and select the judgement server is handled in the insurance of the favourable accident treatment method of user; Above-mentioned insurance handled judge that accident treatment method that server is judged passes to user's SMS server with the form of information.
In addition, method of the present invention comprises: by a plurality of users (insurer's) multimedia messages, and the receiving step of the accident conditions content of the photographic intelligence of the reception scene of the accident and the particular form of appointment; The analytical procedure that the information project of the accident conditions that comprise in above-mentioned each user profile that receives is analyzed; With above-mentioned analysis result is foundation, with reference to the staqtistical data base that former accident conditions are stored, the searching step of retrieval of similar accident conditions; Accident conditions according to finding out from above-mentioned result for retrieval calculate the disposal route to each accident, determine the determining step of accident treatment method; Definite process of above-mentioned accident treatment method is sent to user's transfer step with the form of information.
As mentioned above, utilize the insurance processing of the multimedia messages of mobile communication terminal to judge that the present invention of system and method has following effect: the user can utilize the camera that is installed on the mobile communication terminal to be taken pictures in the scene of the accident, and utilize multimedia messages to transmit, the server of insurance business is analyzed above-mentioned information, whether and it is favourable to circulate a notice of the insurance processing to the insurer, and the insurer also can hold to some extent to the compensation amount of money of insurance.
Description of drawings
Fig. 1 is that the notion of the insurance processing judgement system of multimedia data of mobile communication terminals of utilizing of the present invention constitutes synoptic diagram.
Fig. 2 is the synoptic diagram that judgement information is handled in the insurance that transmitted of insurer's terminal of the present invention.
Fig. 3 is a synoptic diagram of handling the insurance process information that the judgement system receives from insurance of the present invention.
Fig. 4 is insurance processing judgement and the circular procedural order figure that utilizes the multimedia messages of mobile communication terminal of the present invention.
Main figure number explanation
10: insurer's terminal 20: staqtistical data base
30:MMS server 40:SMS server
Embodiment
Below just enforcement example of the present invention is described in detail with reference to accompanying drawing.That is,
Fig. 1 is that the notion of the insurance processing judgement system of multimedia data of mobile communication terminals of utilizing of the present invention constitutes synoptic diagram.As shown in the figure, a plurality of users (insurer) are by the multimedia messages of portable terminal 10, handle the judgement server to the insurance of insurance business and transmit the photographic intelligence of the scene of the accident and the specific situation explanation of appointment, insurance handle to judge the staqtistical data base 20 of server in time judge be with accident treatment become insurance risk favourable or directly and the litigant consult favourable after, circulate a notice of to the insurer with the form of SMS information.
At this moment, above-mentioned user (insurer) handles to insurance and judges that the multimedia messages that server transmits transmits by MMS server 30, and insurance is handled and judged that server then transmits by SMS server S MSC40 to the SMS information that the user circulates a notice of judged result.
At this moment, reception place that judgement information is handled in above-mentioned insurance has just become insurance to handle judgement (insurance is handled and judged server) system, sign insurance and handled terminal that the mobile communication enterprise of judging service agreement provides as shown in Figure 2, be intended to transmit the other menu (for example: insurance is handled and judged info menu) that judgement information is handled in insurance owing to have, so can be user-friendly greatly.
Promptly, receive above-mentioned insurance by MMS server and handle the accident conditions of the insurance processing judgement system (handling the system of judging that server, staqtistical data base, MMS server are connected with the SMS server) of judgement information with reference to the particular form of scene of the accident photo that comprises in the multimedia messages that receives and appointment with insurance, judge whether to insure processing, and the result is circulated a notice of to the insurer with the form of SMS.
That is, in the past, the insurer need determine it is to insure processing, still directly consulted with the litigant.And now, the insurer only needs utilize MMS to send insurance business to scene of the accident situation, and insurance business is handled the judgement system by insurance and judged, and the result is circulated a notice of to get final product to the insurer, makes insurer's processing accident more neatly.
Fig. 2 is the synoptic diagram that judgement information is handled in the insurance that transmitted of insurer's terminal of the present invention.Judgement information is handled in the insurance that the insurer sends should import the necessary appointed information of insurance business judgement scene of the accident situation.
For example, in above-mentioned Fig. 2, appointed information is by record accident spot and accident signal lamp state, insurer's name and the brief overview of accident conditions at that time, and a plurality of photos of the scene of the accident (forward and backward, the side of vehicle etc.) are formed.
The form of the input window of above-mentioned information can be specified according to the agreement between insurance business that above-mentioned service is provided and the terminal manufacturing enterprise.With the multimedia messages is example, can transmit the above Word message of 1200 words, because can also add photo and music file, so the needed information of difference and above-mentioned Fig. 2 that can change at an easy rate transmits picture.
But, handling the wide range of information projects of importing in the judgement information input window in above-mentioned insurance, in the staqtistical data base of insurance processing judgement system, still can classify according to identical project, can retrieve similar accident conditions result easily.
Promptly, after the whole inputs of above-mentioned wide range of information projects shown in Figure 2, press the transmission key, this information just is sent to insurance by MMS server and handles the judgement system, the insurance of system is handled and is judged the corresponding information of server analysis, the accident example of retrieval of similar judges whether to insure processing in staqtistical data base.
Fig. 3 is the insurance process information synoptic diagram that receives from insurance processing judgement system of the present invention.Insurance processing judgement system analyzes by the information that insurance processing judgement information butt joint is received, retrieval of similar accident example in staqtistical data base, judge whether to insure processing, and basis for estimation (if insuring the insurance premium of processing or the suitable expense of holding consultation) and judged result are together sent with the SMS form.
Fig. 4 is that judgement and circular procedural order figure are handled in the insurance that utilizes multimedia messages of mobile communication terminal of the present invention.When having an accident, after user (insurer) took pictures to the scene of the accident from all angles, by specific menu (insurance is handled and judged information editing's menu), the information of editor's particular form transmitted.
The insurance processing judgement system that receives above-mentioned information (insuring the judgement information of handling) (couples together base station MMS server, SMS server and insurance processing judgement server staqtistical data base etc., be intended to insure the system of judging that handles) information content (wide range of information projects) is analyzed after, the comparable data storehouse, the retrieval accident conditions.
According to above-mentioned result for retrieval, if find similar accident conditions, and these accident conditions are to insure processing, will calculate compensation pay-outs; If should hold consultation processing, will calculate the suitable negotiation amount of money, give user (insurer) suggestion with rational accident treatment method.
Then, insurance processing judgement system together compiles information with the accident treatment method of above-mentioned judgement together with basis for estimation and sends to the user.
As mentioned above, utilize the insurance processing of the multimedia messages of mobile communication terminal to judge that the present invention of system and method has following effect: the user can utilize the camera that is installed on the mobile communication terminal to be taken pictures in the scene of the accident, and utilize multimedia messages to transmit, the server of insurance business is analyzed above-mentioned information, whether and it is favourable to circulate a notice of the insurance processing to the insurer, and the insurer also can hold to some extent to the compensation amount of money of insurance.
Claims (9)
1, a kind of insurance processing judgement system that utilizes multimedia data of mobile communication terminals is characterized in that, includes:
Have the insurer and can edit insurer's terminal that insurance is handled, judged the menu of information;
Handle the judgement server to insurance and transmit the multimedia message server that judgement information is handled in above-mentioned insurance;
Handle judgement information by above-mentioned insurance the accident conditions information that is transmitted is analyzed, judge and select the judgement server is handled in the insurance of the favourable accident treatment method of user;
Above-mentioned insurance handled judge that accident treatment method that server is judged passes to user's short message servers with the form of information.
2, the insurance processing judgement system that utilizes multimedia data of mobile communication terminals according to claim 1, it is characterized in that: it is a kind of multimedia messages that judgement information is handled in above-mentioned insurance, it can add the photo of the scene of the accident, and it is sent to insurance by multimedia message server and handles the judgement system server.
3, the insurance processing judgement system that utilizes multimedia data of mobile communication terminals according to claim 1, it is characterized in that: be intended to transmit above-mentioned insurance handles in the menu of judgement information can brief record accident spot and accident signal lamp state at that time, insurer's name and accident conditions, and can add a plurality of photos of the scene of the accident.
4, a kind of insurance processing determination methods of utilizing multimedia data of mobile communication terminals is characterized in that, includes:
By a plurality of insurers' multimedia messages, the receiving step of the accident conditions content of the photographic intelligence of the reception scene of the accident and the particular form of appointment;
The step that the information project of the accident conditions that comprise in above-mentioned each insurer's information that receives is analyzed;
With above-mentioned analysis result is foundation, with reference to the staqtistical data base that accident conditions are in the past stored, the step of retrieval of similar accident conditions;
Accident conditions according to finding out from above-mentioned result for retrieval calculate the disposal route to each accident, determine the step of accident treatment method;
Definite process of above-mentioned accident treatment method is sent to corresponding insurer's step with the form of information.
5, determination methods is handled in the insurance that utilizes multimedia data of mobile communication terminals according to claim 4, it is characterized in that: above-mentioned accident treatment method is to calculate according to insurance to handle the insurance premium of back institute increment and suitable negotiation gold during according to handling through consultation between the accident party and it is judged.
6, the insurance processing determination methods of utilizing multimedia data of mobile communication terminals according to claim 4, it is characterized in that: judgement information is handled in above-mentioned insurance can brief record accident spot and accident signal lamp state at that time, insurer's name and accident conditions, and can add a plurality of photos of the scene of the accident.
7, the insurance processing determination methods of utilizing multimedia data of mobile communication terminals according to claim 4, it is characterized in that: the information that the accident treatment method of above-mentioned insurer's transmission is circulated a notice of comprises its basis for estimation.
8, the insurance processing determination methods of utilizing multimedia data of mobile communication terminals according to claim 7 is characterized in that: the amount cover charge when described basis for estimation is handled for insurance and the suitable negotiation amount of money.
9, the insurance processing determination methods of utilizing multimedia data of mobile communication terminals according to claim 4, it is characterized in that: above-mentioned insurance result is with short message form editor, by short message servers, handle the corresponding terminal transmission of judgement information to sending insurance.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020040024651 | 2004-04-09 | ||
| KR1020040024651A KR100631684B1 (en) | 2004-04-09 | 2004-04-09 | Mobile communication system having insurance processing judgment function and method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1680955A true CN1680955A (en) | 2005-10-12 |
Family
ID=35067541
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2004101027258A Pending CN1680955A (en) | 2004-04-09 | 2004-12-23 | Insurance processing and judging system and method by multimedia data of mobile communication terminals |
Country Status (2)
| Country | Link |
|---|---|
| KR (1) | KR100631684B1 (en) |
| CN (1) | CN1680955A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107730215A (en) * | 2017-11-08 | 2018-02-23 | 泰康保险集团股份有限公司 | Settlement of insurance claim on-line processing method and system |
Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100792175B1 (en) * | 2006-02-17 | 2008-01-07 | 동부화재해상보험 주식회사 | A claim management system and method for compensation of insurance by a virtual consultant |
| CN107610091A (en) * | 2017-07-31 | 2018-01-19 | 阿里巴巴集团控股有限公司 | Vehicle insurance image processing method, device, server and system |
| KR102101211B1 (en) | 2019-07-22 | 2020-04-16 | 영카주식회사 | Vehicle owner centered traffic accident handling system |
| KR102512094B1 (en) * | 2020-09-15 | 2023-03-20 | 제뉴인카앤파츠 주식회사 | Method and system for guiding car repair based on image analysis |
-
2004
- 2004-04-09 KR KR1020040024651A patent/KR100631684B1/en not_active IP Right Cessation
- 2004-12-23 CN CNA2004101027258A patent/CN1680955A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107730215A (en) * | 2017-11-08 | 2018-02-23 | 泰康保险集团股份有限公司 | Settlement of insurance claim on-line processing method and system |
Also Published As
| Publication number | Publication date |
|---|---|
| KR20050099370A (en) | 2005-10-13 |
| KR100631684B1 (en) | 2006-10-09 |
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