FR3142023A1 - Driver identification and claims management systems, processes and programs - Google Patents

Abstract

The invention relates to a system for identifying a user and their vehicle, comprising: - a user identifier (Q2), such as a QR code, for identifying a user; - user text data and documents (ID2, PC2) and vehicle (AA2, CT2, CG2); - at least one storage means, such as a server (S) or a memory (M2) of a mobile device of said user, comprising said data and documents (ID2, PC2, AA2, CT2, CG2), characterized in that said identifier (Q2) and said storage means (S, M2) are configured so that a reading of said identifier (Q2) makes it possible to identify said user and to have access to its data and documents (ID2, PC2, AA2, CT2, CG2), in said storage means (S, M2). The invention further relates to a disaster management system based on at least one such identification system for generating a report automatically; as well as corresponding methods and programs. Abstract Figure: Fig. 2

Description

Systems, processes and programs for driver identification and disaster management

The invention relates to the field of systems and methods implemented by computer means to identify a driver and his vehicle, and also to use this information particularly in the case of an accident between drivers.

In this area, user identification is generally done by asking the driver to present their physical identification documents such as an identity document and/or a driving license; and/or physical documents identifying their vehicle, such as an insurance certificate, a technical inspection, and/or a registration document.

This generally involves searching for physical documents, particularly in the vehicle, in order to be able to present these documents. In addition, there is a risk of loss or unavailability of these documents.

Furthermore, in the event of a disaster, information contained in these documents is needed to produce, for example, an accident report. Once the documents are found, the information must be entered one by one manually with a risk of error.

Document storage systems have been proposed, but involve scanning or photographing documents, and manual entry of identification data, again with a risk of error. The same applies to the implementation of professional automotive services, for example for maintenance or repairs, where this information must be entered for better monitoring.

Thus, a first objective of the invention is to propose a system and a method for presenting driver and vehicle identification documents quickly without the need for manual searching of paper documents, without risk of unavailability of the documents, with the possibility to use the information in these documents.

A second objective is to propose a system and a method for quickly and easily managing a claim based on the information contained in the identification documents.

To achieve these objectives, the invention proposes a system for identifying a user and a vehicle of said user, comprising:
- a user identifier, in particular a QR code, to identify a user;
- user identification data relating to said user;
- vehicle identification data relating to a vehicle of said user;
- at least one storage means accessible wirelessly, such as a server or a memory of a mobile device of said user, comprising at least said user identification data and said vehicle identification data,
characterized in that said identifier and said storage means are configured so that a reading of said user identifier makes it possible to identify said user and to have access to his user identification data and vehicle identification data in said storage means. The identifier can be on or inside the vehicle, on a dedicated card, and/or in a mobile identification application.

Advantageously, the invention makes it possible to present or collect electronic driver and vehicle identification documents quickly by means of the identifier. Thus, there is no need to manually search for these documents which will be available in said memory, the application and/or the server, with the possibility of using the information from these documents.

According to a variant, the identification system further comprises a character recognition means for recognizing and extracting characters from documents; and preferably field recognition means for recognizing at least one document field.

Thus, the identification system also makes it possible to extract textual data from these documents and use them, for example, for automotive professionals. The fields can be a last name, first name, number, reference, or any other vehicle or person identification document field.

According to a variant, the user identification data comprises one or more of:
- textual identity document data and/or at least one electronic identity document;
- textual driving license data and/or at least one electronic driving license document;
and/or the vehicle identification data comprises one or more of: - textual registration document data and/or at least one electronic registration document;
- textual insurance certificate data and/or at least one electronic insurance certificate document;
- textual insurance contract data and/or at least one electronic insurance contract document;
- textual technical inspection data and/or at least one electronic technical inspection document.

This makes it possible to collect textual data and use it, for example, to fill out a form, a receipt or a form, particularly for automotive professionals such as maintenance, repair and breakdown handling agents.

ID is useful in some applications, and not necessarily in others. Depending on the intended application, vehicle identification data is sufficient. Given that vehicle identification data generally includes the user's last name, first name, address, or others, this specific part can be interpreted in these other applications of the invention as vehicle identification data. 'user.

The invention further relates to a vehicle disaster management system for several users, including at least one identification system according to the invention, the disaster management system comprising:
- at least one mobile application of a first user;
- first user identification data relating to the first user;
- first vehicle identification data relating to a vehicle of the first user;
- a user identifier, in particular a QR code, to identify a second user;
- second user identification data relating to the second user;
- second vehicle identification data relating to a vehicle of the second user;
- at least one storage means accessible wirelessly, such as a server or a memory of a mobile device of the second user, comprising at least said second user identification data and said second vehicle identification data,
characterized in that said mobile application of the first user comprises:
- preferably a means of capturing photographs and/or videos;
- identifier reading means for reading the user identifier and identifying the second user;
- connection means for connecting said mobile application to said storage means comprising said second user identification data and said second vehicle identification data relating to the second user;
- an exchange means for receiving, in particular downloading, said second user identification data and said second vehicle identification data relating to the second user;
- accident report generation means for generating an accident report form on the basis of said second user identification data and said second vehicle identification data relating to the second user, said first user identification data user identification and said first vehicle identification data relating to the first user, and preferably said photographs and/or videos. The identifier may be on or inside the vehicle, on a dedicated card and/or in said mobile application.

Advantageously, the invention makes it possible to quickly manage a claim on the basis of textual data and to automatically complete an accident report.

According to one variant, the disaster management system comprises:
- as many mobile applications as users;
- as many user identification data and vehicle identification data as there are users;
- as many user identifiers as users;
- as many means of reading identifiers as there are users.

This makes it possible to manage several combinations of claims between users in a simplified manner.

According to a variant, said mobile application further comprises a disaster analysis means for analyzing said identification data and said photographs and/or videos to determine liability rates of said first and second users.

This makes it possible to determine shared faults automatically or to provide decision support.

Another object of the invention relates to a method of identifying a user and a vehicle of said user, for an identification system according to the invention, the identification method comprising:
- a step of reading a user identifier, in particular a QR code, to identify a user;
- a step of accessing the storage means and the user identification data, as well as the vehicle identification data of said user

The invention further relates to a computer program comprising program code instructions for executing the steps of the identification method according to the invention, when said program is running on a computer.

The invention also relates to a vehicle disaster management method for several users, based on a disaster management system according to the invention, the disaster management method comprising:
- an identifier reading step for reading the user identifier and identifying the second user;
- a connection step for connecting said mobile application to said storage means comprising said second user identification data and said second vehicle identification data relating to the second user;
- an exchange step for receiving, in particular downloading, said second user identification data and said second vehicle identification data relating to the second user;
- an accident report generation step for generating an accident report form on the basis of said second user identification data and said second vehicle identification data relating to the second user, said first user identification data user identification and said first vehicle identification data relating to the first user, and preferably said photographs and/or videos.

The invention further relates to a computer program comprising program code instructions for executing the steps of the disaster management method according to the invention, when said program operates on a computer.

The invention will be further detailed by the description of non-limiting embodiments, and on the basis of the appended figures illustrating preferred embodiments of the invention, in which:
- schematically illustrates an identification system according to a first embodiment of the invention;
- schematically illustrates a disaster management system including in particular the identification system of the ;
- schematically illustrates a first application of the invention, namely a disaster management method according to a preferred variant;
- schematically illustrates a second application of the invention, namely an identification method and the use of data collected by an automotive professional.

The invention relates in particular to a system for identifying a user and a vehicle of said user. The description of the is made primarily from the perspective of a third party collecting information from a second user (references ending in “2”). The third party may be a professional, in particular an insurer, an automobile professional, for example a maintenance or repair service agent, or others.

The description of the is made primarily from the perspective of a first user collecting information from a second user (references ending in "2"), but this is particularly true for all users (same references ending in "1" for the first user). There are preferably more than two, more than 10, tens, hundreds, or even thousands or more users.

The identification system includes a user identifier Q2, which may be a bar code or preferably a QR code. The identifier makes it possible to identify said user by simple reading, in particular the QR code.

The identification system further includes user and vehicle identification documents and their textual data. The invention concerns at least one PC2 driving license, and preferably at least one ID2 identity document, of said user. The same applies to the user's vehicle, namely at least an AA2 insurance certificate, a CT2 technical inspection, a CG2 registration document. Other documents and data may be added (or some deleted) depending on the specific application of the invention or according to the specific law of the place where the invention is implemented.

These elements are stored in at least one wirelessly accessible storage means. This involves, for example, access to the memory M2 of a mobile device of said user, for example by Bluetooth ^TM connection; or preferably by access to a server S storing this data and documents of all users. Access can be made by internet connection, for example 3G, 4G or 5G. The reference MX designates the memory of the server S, and the reference AX designates an identification or disaster management application in the server S. A corresponding application A1 is provided in a mobile device of a third party or a first user.

According to the invention, said identifier and said storage means are configured so that reading the QR code Q2 of said user makes it possible to identify said user and to have access to their data and documents (ID2, PC2, AA2, CT2, CG2).

The invention further relates to a vehicle disaster management system for multiple users. The management system is based on the identification system to identify the users involved in the disaster, and collect their data and documents (ID2, PC2, AA2, CT2, CG2).

Thus, the management system includes a mobile application A1, A2, loaded by each user into their mobile device to implement the invention.

The management system further includes the elements of the identification system described above.

According to the invention, each mobile application A1 comprises:
- an identifier reading means for reading the user identifier Q2, identifying the other user, and having access to his data and documents (ID2, PC2, AA2, CT2, CG2), and receiving them in the application A1;
- preferably a means of capturing photographs and/or videos, to collect evidence and illustrations of the disaster;
- an accident report generation means (CA1) for generating an accident report form on the basis of the data and documents (ID2, PC2, AA2, CT2, CG2) of the users involved in the incident; and preferably said photographs and/or videos.

The accident report is completed on the basis of textual data in the appropriate fields, and documents, photographs and/or videos can be attached.

Each user involved in the disaster can generate their report in their mobile application A1, A2 in the same way. A means of signature is provided to validate the report, and optionally at least one means of entering comments.

Thus, the invention proposes a QR Code type code, which can be called Qarcode, unique for each insured account (users). The Q2 code system centralizes the information and documents for each vehicle as well as the driver’s identification documents.

Document import technology (photographs or scans) makes it possible to extract textual data with great precision, drastically limiting human intervention and the risk of entry errors. Character recognition software (or OCR) is provided for this purpose.

The invention allows:
- The declaration of amicable insurance report during an automobile accident incorporating photographs, videos and signatures, in particular in less than 5 minutes;
- Determination of the TR liability rate based on the amicable report data.
- For automotive professionals: instant CX connection between the professional and an insured person; and direct access to information on the vehicle concerned, as well as in certain cases the terms of the insurance contract;
- In the case of the adoption of the technology by public services (police, gendarmerie for example): VR verification upstream of mandatory documents to identify vehicles with a lack of insurance certificate or driving license.

The liability rate TR can be determined by means of an artificial intelligence module based on a neural network and automatic learning of claims, accident data, including statistical data and/or photos, images or accident drawings, user profiles, driving years, etc.

The invention further relates to a method for identifying a user and a vehicle of said user, as well as a corresponding disaster management method, and corresponding computer programs, implemented in each mobile application A1, A2 and/or in said server S.

The preferred implementation methods are detailed in Figures 3 and 4. The concerns an amicable report management process with Qarcode.

The “S” steps and “H” hypotheses of the process will now be detailed:

S0 concerns a declaration of a claim between a first and a second user; H1 concerns a prior provision by the first user of the necessary information and documents: if not, we move on to S1 which concerns an entry of information and an import of documents for the or each vehicle to be declared.

If yes to H1, we move on to S2 which concerns automatic pre-filling of the part of the report corresponding to the first user (vehicle column A), with a view to generating the accident report (CA1), in particular via the A1 app.

After entering and importing S1, we can consider moving from S1 to S2.

Then, H2 concerns the possession by the second user of the application A2: if so, we go to S3 and continue until S10. S3 concerns a scan of the QR code Q2; S4 is similar to S2 but for the second user (vehicle column B); and S5 concerns an automatic analysis of the report and determination of a user responsibility rate. Preferably, photographs and/or videos of the incident, and more preferably statements from users, are also analyzed for this purpose.

Finally, step S6, completing the process in this hypothesis of H2, concerns finalizing and sending the report electronically, for example to an insurer.

If H2 is negative, either we move on to S7; either we move on to S8 and on up to S10 then on to S5 and on, already commented on.

S7 concerns an entry of the vehicle registration number of the second user. The registration number can be used to download certain information about the second user's vehicle via the A1 application. The other information of the second user and his vehicle can in this case be entered and imported manually into the A1 mobile application.

S8 concerns a recording of the incomplete observation file in the A1 application, in particular while waiting for the registration of the second user. S9 is similar to S1 but for a second user not yet registered in the disaster management system. For example, registration is made within a maximum of five working days from the date of the loss. S10 concerns detection of the registration number of the second newly registered driver, for example in the server S, and integration of the corresponding data into the claim file. At least one computer means is preferably provided for this detection and this integration, in the application A1.

There concerns a process of connecting a user, for example an insured person, and a professional such as an insurer, a repairer or other maintenance service. The stages and hypotheses of the process will now be detailed:

S11 concerns identification of a user. Then you can move on to S12 and on, S17 and on or S23 and on.

S12 concerns a display of a mission in progress for the professional, and the list of archived missions. The missions can be services relating to the motor vehicle.

S13 concerns the reception of the mission, the display of data from the accident or broken down vehicle.

H3 concerns the acceptance of the mission by the professional: If not, we return upstream of S12. If not, we move on to S14, S15 then S16.

S14 concerns an assignment of the mission to the disaster or declared breakdown; S15 concerns a finalization of the mission; and S16 concerns an archiving of the mission.

Returning to S17, it concerns a scan of the QR code Q2 (which can be carried out at S17 and/or S11); H4 concerns the possession by the insured of several vehicles. If so, we move on to S18, then to S19 and so on. If not, we go directly to S19 et seq.

S18 concerns the choice of a vehicle among the declared vehicles; S19 concerns a display of an information sheet of the selected vehicle.

Then, S20 concerns a selection of a service from the professional, for example a change of windshield, a service, etc. ; S21 concerns a generation of a quote; S22 concerns sending the quote by email. Generating the quote is made easier because it can be based on vehicle and/or user identification data.

Returning to S23, it concerns a display or modification of the information of the user company; S24 concerns an entry or modification of information.

Claims (10)

System for identifying a user and a vehicle of said user, comprising:
- a user identifier (Q2), in particular a QR code, to identify a user;
- user identification data (ID2, PC2) relating to said user;
- vehicle identification data (AA2, CT2, CG2) relating to a vehicle of said user;
- at least one storage means accessible wirelessly, such as a server (S) or a memory (M2) of a mobile device of said user, comprising at least said user identification data and said identification data vehicle,
characterized in that said identifier and said storage means are configured so that a reading of said user identifier (Q2) makes it possible to identify said user and to have access to his user identification data (ID2, PC2 ) and vehicle identification data (AA2, CT2, CG2) in said storage means. Identification system according to the preceding claim, characterized in that it further comprises character recognition means for recognizing and extracting characters from documents; and preferably field recognition means for recognizing at least one document field. Identification system according to one of the preceding claims, characterized in that the user identification data comprises one or more of:
- textual identity document data (ID2) and/or at least one electronic identity document document (ID2);
- textual driving license data (PC2) and/or at least one electronic driving license document (PC2);
and/or the vehicle identification data comprises one or more of: - textual registration document data (CG2) and/or at least one electronic registration document (CG2);
- textual insurance certificate data (AA2) and/or at least one electronic insurance certificate document (AA2);
- textual insurance contract data and/or at least one electronic insurance contract document;
- textual technical inspection data (CT2) and/or at least one electronic technical inspection document (CT2). Vehicle disaster management system for several users, including at least one identification system according to one of the preceding claims, the disaster management system comprising:
- at least one mobile application (A1) of a first user;
- first user identification data (ID1, PC1) relating to the first user;
- first vehicle identification data (AA1, CT1, CG1) relating to a vehicle of the first user;
- a user identifier (Q2), in particular a QR code, to identify a second user;
- second user identification data (ID2, PC2) relating to the second user;
- second vehicle identification data (AA2, CT2, CG2) relating to a vehicle of the second user;
- at least one storage means accessible wirelessly, such as a server (S) or a memory (M2) of a mobile device of the second user, comprising at least said second user identification data (ID2, PC2 ) and said second vehicle identification data (AA2, CT2, CG2),
characterized in that said mobile application (A1) of the first user comprises:
- preferably a means of capturing photographs and/or videos;
- identifier reading means for reading the user identifier (Q2) and identifying the second user;
- connection means for connecting said mobile application (A1) to said storage means (S, M2) comprising said second user identification data (ID2, PC2) and said second vehicle identification data (AA2, CT2 , CG2) relating to the second user;
- an exchange means for receiving, in particular downloading, said second user identification data (ID2, PC2) and said second vehicle identification data (AA2, CT2, CG2) relating to the second user;
- accident report generation means (CA1) for generating an accident report form on the basis of said second user identification data (ID2, PC2) and said second vehicle identification data (AA2 , CT2, CG2) relating to the second user, said first user identification data (ID1, PC1) and said first vehicle identification data (AA1, CT1, CG1) relating to the first user, and preferably said photographs and/or videos. Disaster management system according to the preceding claim, characterized in that it comprises:
- as many mobile applications (A1, A2) as users;
- as many user identification data (ID1, PC1, ID2, PC2) and vehicle identification data (AA1, CT1, CG1, AA2, CT2, CG2) as there are users;
- as many user identifiers (Q2) as users;
- as many means of reading identifiers as there are users. Disaster management system according to one of claims 4 to 5, characterized in that said mobile application (A1) further comprises disaster analysis means for analyzing said identification data (ID1, PC1, ID2, PC2 , AA1, CT1, CG1, AA2, CT2, CG2) and said photographs and/or videos to determine responsibility rates (TR) of said first and second users. Method for identifying a user and a vehicle of said user, for an identification system according to one of claims 1 to 3, the identification method comprising:
- a step of reading (S3) a user identifier (Q2), in particular a QR code, to identify a user;
- a step of accessing the storage means and the user identification data (ID2, PC2), as well as the vehicle identification data (AA2, CT2, CG2) of said user. Computer program comprising program code instructions for executing the steps of the identification method according to the preceding claim, when said program operates on a computer. Vehicle disaster management method for several users, on the basis of a disaster management system according to one of claims 4 to 6, the disaster management method comprising:
- an identifier reading step (S3) for reading the user identifier (Q2) and identifying the second user;
- a connection step for connecting said mobile application (A1) to said storage means (S, M2) comprising said second user identification data (ID2, PC2) and said second vehicle identification data (AA2, CT2 , CG2) relating to the second user;
- an exchange step for receiving, in particular downloading, said second user identification data (ID2, PC2) and said second vehicle identification data relating to the second user (AA2, CT2, CG2);
- an accident report generation step (S4, S5) for generating an accident report form on the basis of said second user identification data (ID2, PC2) and said second vehicle identification data (AA2, CT2, CG2) relating to the second user, said first user identification data (ID1, PC1) and said first vehicle identification data (AA1, CT1, CG1) relating to the first user, and preferably of said photographs and/or videos. Computer program comprising program code instructions for executing the steps of the disaster management method according to the preceding claim, when said program operates on a computer.